Growing up, my approved computer game was Carwars. When you think of Texas Instruments (TI) you may think of calculators, but I think of Carwars (played on a game console before Atari came out). But now car wars is how I refer to car insurances.
It’s not that I had any real issues with Geico Insurance over the past 7 years. It’s just the irony of having to pay so much money toward a service when you have no choice but to have insurance, regardless of whether or not I ever use the service. Geico came to the rescue when I hit that deer. Well, they were there to take my phone call at 3 o’clock in the morning and even arranged to call tow service to come to our abet. Some accidents can’t be avoided, so when the car was totaled and money offered in its place, but not enough to make up for the loss, your not sure if the money you were spending toward insurance would have better covered that and some. Oh well, rainy day saving is not an option—a legal alternative to car insurance. Frankly I liked Geico’s coverage. I liked their service. I liked everything but the price. So I switched to progressive. As reach as I can tell I get everything I would with Geico, but for a lesser bill. I checked. The coverages match up. And have it or not, the people on the phone are just as nice and willing to benefit if called upon.
Both car insurances offer free rock chip repair under my comprehensive coverage, my only other standard fix, given all the construction and gravel trucks on the road. But they both keep track of the claims made and a little too touchy for me to make such insignificant claims. I just pay for that repair on the side for like $10, whereas when I tested out having it charged to the insurance, through their chosen provider, the insurance was charged $180. No wonder the insurance companies get uppity about some claims. But the point is that there isn’t a stark contrast between how either company handles these types of claims. Again, it is about the money objective to carry the insurance, because all other things seem equal.
The strange thing is that Geico’s googley-eyed mascot isn’t saving me money. Progressive is. All State, American Family, State Farm, Countrywide and others all offer basically the same services, but say they can do it for less money. But I didn’t find anyone who is doing significantly better on that claim than Geico, except Progressive (and maybe Countrywide).
Filed under State Farm Auto Insurance by on Feb 22nd, 2011. Comment. 
It’s no secret that teenage drivers are generally not as great as adult drivers on the road. In fact, teenagers get in accident 6 times more often than adult drivers. Due to this, insurance is an important thing to pay attention to for your teenager. The most important thing is to have comfort in intellectual that your child’s car will be taken care of in an affordable, yet professional manner, if they ever get into a car accident. Here are a few options for the best auto insurance for teenagers, which are easy on your wallet while level-headed providing the coverage that you desire.
Allstate Teen Insurance
Allstate has a great teen driver program, which focuses on a parent-teen driving contract. The parent and the teen decide on agreements for certain actions, like talking on a cellphone while driving and having a curfew, set limits on these actions (or ban them altogether), and finally make consequences if the teen driver breaks any part of the contract. Allstate insurance has taken a great initiative with teen driving safety, and their website http://www.allstateteendriver.com outlines all of their efforts to keep teens safe.
Statefarm Teen Insurance
Statefarm offers two mountainous opportunities for students to save on car insurance. The first is the ‘Good Student Discount’, which rewards students who get good grades by reducing the auto insurance cost. This is a great incentive because, for students with lower grades, it is good motivation to increase grades if they are paying for their insurance, and for students with higher grades, it’s a greater incentive to keep up the good work. Another highlight of auto insurance for teenagers at Statefarm is the Steer Clear Genuine Driver Discount, which is also pointed towards students. It is an extra refresher course that, when completed, gives an extra discount to those 25 and under. The course can be completed with a kit, on a computer, or even on the iPhone.
Progressive Teen Insurance
Besides offering an online directory with information on auto insurance for teens, Progressive also offers student discounts when applicable. In the online directory, Progressive help walk teenagers through the insurance process, explaining each step. Also, they give tips on safe driving and keeping your cool. For example, one page offers tips on how to avoid road rage and calm yourself down when it inevitably happens. Another page explains all of the information needed in order to get a quote and figure out how much the auto insurance will cost for the teenager. Specifically, besides the general student benefits, Progressive doesn’t add any special features or benefits for their auto insurance for teenagers
Liberty Mutual Teen Insurance
Liberty Mutual is very straightforward on its website, http://www.libertymutualteendriving.com, on explaining what a teen and their parent can do to make sure they get the best teen auto insurance value. Liberty Mutual also offers student advantages, where if a student has good grades, they can get up to a 35% discount on their insurance. The amount of the discount varies depending on the grades of the teenager. Liberty Mutual insurance also tells all the specific ways a teenager can save on auto insurance, which is very beneficial to have in one condensed area.
Geico Teen Insurance
Geico is yet another student-rewarding insurer, offering discounts for taking a driver’s education class and getting good grades. If the teen driver took a driver’s education class, then they are eligible for a discount on their auto insurance. Also, if they get a B-average or higher, they receive another discount. Geico does not offer any other specific teen benefits or tips, meaning the only thing that could accomplish Geico the best teen auto insurance choice is the price of the insurance.
You have the information now; use it to figure out which insurance plans and benefits are right for your teenager, ensuring their safety and saving as noteworthy money as possible.
Philip Reed, Auto Insurance for Teenage Drivers, Edmunds.com.
Geico, Geico.com, Geico.
Progressive, Progressive.com, Geico.com.
Liberty Mutual, libertymutual.com.com, Liberty Mutual.
Allstate, Allstate.com, Allstate.com.
Filed under State Farm Auto Insurance by on Jan 20th, 2011. Comment.
