Buy Auto Insurance Online - Direct Auto Insurance

By Matt Hellstrom

You've probably seen all the commercials on television for direct auto insurance ranging from talking lizards to being in good hands. They make it sound like the best thing since sliced bread. It may be a no-brainer for the DIY crowd, since, you'll be negotiating the insurance path without an personal agent. But rest assured, as they say, even a caveman can do it!

Would you trade lower rates for dealing with a website rather than a human being? If you are considering direct auto insurance, that's the question you have to ask yourself. Two factors have combined to create direct auto insurance: no-fault insurance and the Internet. With direct insurance, you deal directly with the insurer rather than through an independent agent. Cutting out the middleman allows direct insurers to offer lower rate. Some provide offices; some are strictly available over the phone or across the Internet.

Direct auto insurance firms know that lower rates are the greatest appeal and it is the reason they operate primarily in jurisdictions with mandatory no-fault car insurance. Claims settlement and administration is much faster and simpler under no-fault bylaws. This allows direct insurance companies to eliminate the middleman, the insurance agent, and lower rates for the end user. Insurance companies under no-fault legislation, always pay their own clients damages (at least in theory). Civil cases are also limited.

In fault-allocation localities, who pays the cost for damages and losses incurred in a traffic accident is determined by a finding of fault. It is a fact that payouts are delayed and civil court cases are many in fault-finding jurisdictions. In these jurisdictions, the job description of the insurance agent includes hand holding and claims expedition. But under no-fault rules, the payout is made simply based on damages incurred. This means an insurance appraiser, rather than an agent, is the key player.

The no-fault states, which include the three states with highest populations (New York, California, Florida) enacted no fault legislation in part to simplify and speed payments to accident victims, and in part to reduce the number of time consuming cases in our bulging civil court system. Claims appraising becomes the only bottleneck and no-fault states ease that by instituting approved collision centers. In some jurisdictions the claim centers are government-run.

The most difficult area as far as consumer confidence goes for direct auto insurance lies in compensation for physical injuries. Unlike collision centers, the diagnosis of injuries to the human body, particularly central nervous system injuries, is not always final. Over the course of treatment and recovery from severe injuries, you want one go-to person so you don't have to get a new call-center agent up to speed every time you need to get a question answered.

Caution and thinking things out thoroughly must be advised when making the decision to forego the insurance agent in favor of the discounts direct auto insurance companies offer. But if you're willing to handle some of your own paperwork, then dealing with a direct insurer may be the way to go. Keep in mind that as the industry evolves, the more consumer friendly companies will be the ones to outlast even the best insurance agency in the neighborhood.

Cheap Car Insurance For Women

By Jon Minor

In today's world there are different categories insurance companies put drivers into , one such can be car insurance for women . Women drivers today are often offered lower rates than men today because statistics show they are safer drivers , there are many more women drivers on the road today and insurance companies have been able to gauge the differences of men and women drivers accidental rates. Men drivers are known to be more aggressive and take bigger risk ,on the other hand women drivers don't want to take dangerous risk and are easier on the road.

You may be able to save hundreds of dollars in savings every year over your present policy. The point is, you will never know for sure until you do some investigation of your own. Each insurer have their differences , some cater to women more intensively than others,some will have better claims satisfaction percentages,they all are different and it is up the the individual to do the homework studying which company will best suit their needs.

Women will prefer to have insurance that includes rode side assistance then they can call to have it towed and get a rental car with not too much worry. Insurance for the rental car should be included so the rental agency can't juice her on the extra insurance, it is important that one know ones policy very well to keep from getting into financial trouble along the way. The best way to find cheap car insurance for women is to buy from a online site because it cuts out the middle man which will take a chunk out of the cost.

When applying for insurance for women drivers the applicant must decide what insurance coverages will be suitable ,of course there are the usual things like comprehensive , collision, uninsured motorist, and liability but she can decide how much of each will be satisfactory if perhaps anything happens. Additional insurance addendum's may be had if the prospect has only one car and might need a rental car and that rental car needs to be insured also.

Another great thing about women car insurance is the unique features that you can find with car insurance that is designed especially for women. You will be able to investigate the addition of special incentives for women. For example many insurance companies will be able to offer women care maintenance policies and break down insurance. These are very useful for women who are traveling on the road and need quick assistance. Women will also have access to buying guides and tips for car buying from insurance companies. All of these extra features are designed exclusively for women who are purchasing car insurance.

There are some very good "extras" that are available and very useful when looking for and buying ladies car insurance that many women will be interested in reviewing. In addition to saving money it is always a wise decision to review your car insurance policy from time to time. It is always important to be a wise consumer and investigate anything that you purchase.