Things to Consider When You Compare Car Insurance Quotes

If you’re in the market for car insurance, you know that rates vary depending on where you get your quote. Some charge more for one thing – like being a male under 25 years of age who is unmarried, for example. Others pull your credit report – which can affect rates positively or negatively, depending on your financial history. It is important to compare car insurance quotes, rather than just pick one at random, or because it is cheap car insurance.

For some companies, you can get a quote online for free. This quote often does not take into account specifics of your situation, but it can be a good place to start. When you actually buy the policy, the rate can change once they discover, for example, that you have a teenage son you thought you could just leave off your policy – most insurers won’t let you do that, since he is a potential driver of the car.

For other companies, you will need to either call or sit down with an agent in his or her office. They can explain the various aspects of a policy – liability, comprehensive, collision – so that you know what it is you’re getting. They can also make sure you are being realistic with the coverage you choose. Many people automatically choose the least amount of coverage offered, so that they “have coverage”, not taking into account that the minimal amount is only a drop in the bucket of the amount needed in an average auto accident.

After you have a couple of car insurance quotes in hand, compare them. Not just by price, but by a whole host of other things.

Quality Of Company
First, think about the different companies you’ve got car insurance quotes from. Compare the reputations of the companies. Is there one you trust more than the other? Or one that is known for their excellent customer service, or response to issues? There are sites online that rate car insurance companies by issues such as these – you might consider checking what customers think of them. Also, look at how your payments are made. Do you have to mail them in? Many customers like being able to pay their bill on line, day or night. For them, an online company is more useful. They can also make changes to their coverage whenever they want, and see updated rates instantly.

Apples To Apples
When comparing quotes for car insurance, be sure you’re comparing like coverage. For example, if the ABC Insurance company is giving you an rate of $100 a month and XYZ wants $120, your instinct may be to go with ABC because it costs less. Wait! Read the rest of the quote! If ABC is quoting coverage of 25/50/15, that’s not nearly as good a deal as the XYZ’s quote for 100/300/100. Gotta be sure both companies are quoting the same amount of coverage – otherwise, you might not get the insurance you think you want.

Of course, if all else is equal, consider price. Pricing can vary widely between companies, especially if you are a “harder to insure” customer. If you have had a suspended license, or accidents, or allowed your insurance to lapse for some reason, those things will count against you. The same goes for being a young, inexperienced driver, or for being a young male. How much it counts is up to the individual car insurance company. Compare the quotes. If coverage is the same, some companies will just plain offer you a better rate.

How To Safely Dispose Of Rx Drugs

According to the White House Drug Policy Office, prescription drug abuse among 18 – to 25-year-olds rose 17 percent from 2002 to 2005. In 2004 and again in 2005, there were more new abusers of prescription drugs than new users of any illicit drug.

Young people mistakenly believe prescription drugs are safer than street drugs, doctors say. But accidental prescription drug deaths are rising and students who abuse pills are more likely to drive fast, binge-drink and engage in other dangerous behaviors. Parents should be alert to these signs and changes in behavior.

Al Gore III’s arrest may raise awareness among parents, said Dr. Donald Misch, director of health services at Northwestern University in Evanston. “This is an opportunity for people to understand this is happening in your household,” he said. “These are your kids. The drug dealers they’re going to are their doctors, their parents and their friends.”

Parents should clean out their medicine cabinets and lock up any prescription medications. This is more than likely customary in homes with toddlers but is advisable no matter the age of the child, just to be safe. This would also prohibit giving them to friends if your child isn’t a user.

Deputy drug czar, Scott Burns stated: “We found in focus groups of young people across the country that in large measure they’re getting the drugs from their own medicine cabinets and the Internet. Some Web pharmacies deliver ordered drugs without legitimate prescriptions, but other sites steal credit card information and never fill orders, Burns said.

With the rise in prescription drug abuse, three federal agencies issued guidelines earlier this year for disposing of medications without harming the environment.

1. Remove unused, unneeded or expired prescription drugs from their original containers.

2. Mix prescription drugs with an undesirable substance, like used coffee grounds or cat litter, and put them in impermeable, nondescript containers, such as empty cans or sealable bags.

3. Throw containers in the trash.

4. Don’t flush prescription drugs down the toilet unless the accompanying patient information says specifically it is safe to do so.

5. Return drugs to pharmaceutical take-back sites that allow consumers to return unused drugs for safe disposal.

Sources: White House Office of National Drug Control Policy, Department of Health and Human Services, Environmental Protection Agency.

Author’s Note: A pharmaceutical sales representative can increase sales by volunteering to return expired or outdated medications for the wholesalers in their territory. This can be a daunting task for their employees. Offering customer service at this level is rare and not expected. This also gives the drug rep an idea of the inventory on hand and an opportunity to help sell their medications. The wholesaler can offer specials to the retail drug stores on your proprietary pharmaceuticals.

Sifting Through Your Car Insurance Quotes

If you have already done the leg work with your car insurance research, chances are that you have several or possibly even several dozen car insurance quotes to decide between. You have cheap car insurance quotes as well as expensive car insurance quotes, and you are not quite sure where to go from here. Here is some help in sorting through your car insurance quotes.

The Cheap Car Insurance Quotes
Chances are you have several cheap car insurance quotes, ranging from the very cheap car insurance quote to the moderately cheap car insurance quote. To differentiate between these car insurance quotes you need to look at the fine print. What type of extra services do these companies offer? Do they have towing or rental cars to help you in the case of an accident? Or is the coverage just bare minimum coverage? If you still cannot decide which cheap car insurance quote is better than the other, look online for some customer reviews. Most online car insurance quotes are free online car insurance quotes, so many people will get a quote from each company. You will have many different reviews to look into. Look for how quickly the companies process claims, how quickly they send people out to process the vehicle claim, and if they actually do offer things like towing and rental cars. If they do offer towing and rental cars, try to find reviews on the rental cars that they use as well as their towing company. All of this will help you to chose between your cheap car insurance quotes.

The Expensive Car Insurance Quotes
You probably also have several expensive car insurance quotes that are nowhere near the cheap car insurance quotes. You might be wondering why these insurances are so expensive when compared to the cheaper quotes that you were given. Chances are that these more expensive car insurances offer more perks and more coverage than the cheaper ones. Look into exactly what coverage you have with these companies. Are you covered if a tree falls on your car? For most of the cheaper insurances, the answer is no. But if you have a more expensive car insurance, you just might be covered. Some insurances do not cover one car accidents, either, like if you ran into a fence. If you chose to have this coverage, you will probably pay more for your premium.

Why Find Your Car Insurance Rate Online?

So you’ve heard of people who buy their car insurance online. Are rates the same? Better? Are there other reasons to get your car insurance rate online? Compare the online experience with your last auto insurance shopping adventure.

The Convenience Is A Winner
For convenience, you can’t beat online shopping for a car insurance rate. You can do it any time of the day or night, over the Internet. There’s no need to get dressed up and go into an insurance sales office. You can keep your fuzzy bunny slippers and robe on – no one’s gonna see what you’re wearing as you sit down in front of your computer and shop for auto insurance.

Time’s NOT A Wastin’
If you’ve been into an insurance agents office, you know that the pace is usually pretty laid back, with just two speeds: slow and stop. They’re not in any hurry to get you in and out of there. They’ll be there all day anyhow, so let’s discuss this other alternate rider you can get on your policy, etc…. If you like that kind of socialization, please go the traditional route and visit an insurance office. Be sure you have plenty of time. For those of us who lead busier lives, shopping online for a car insurance rate fits our lifestyle. We can pick and choose which type of coverage we want – often just copying the coverage we want to replace – and not have an agent standing by trying to coax us to a more beneficial (to him) policy.

Changes? A Breeze!
If there are changes you want to make to your policy, if you got your car insurance rate online then it is simple to make modifications. No need to bother your agent to try out a different configuration. Check it online. How much will it save you if you take off the car rental rider? Or move your adult daughter to her own policy? Or add in your new teen driver? All these things and much more can be checked online, whenever you want, without needed to call an office.

Any Cautions?
If you don’t know what type of coverage you need, you might want to learn more. You can usually call an agent’s office – or stop by – and they’ll be happy to education you on the differences between liability, comprehensive, and collision. They can also help you know what amount of coverage would be right in your situation. If you already know that stuff, though, try getting your new car insurance rate online!