A-1 Autoinsurance
1-800-921-1120
The Hartford AARP CF 200x120
  
Insurance Articles by A-1 Auto Insurance



Insurance Tips


Purchasing an insurance policy is very similar to buying any other major item or service. You need to do a little comparison shopping and examine the pros and cons of each option before choosing which policy and company you end up buying. Regardless of whether you are insuring any type of valuable, including a material possession such as your grandmother’s heirloom brooch or your family’s life, you need to inform yourself as much as possible.
Learn what you can about not only the actual insurance policy you will be purchasing, but also about policies offered by other reliable insurance providers. Take the necessary time to comparison shop, remain inquisitive and don’t be afraid to ask as many questions as you need and remember to compare not only the rates of insurance companies, but also their benefits and reputation. Be sure you are comparing the exact same type of insurance coverage. Certain insurance policies may cost you much less, but often offer you fewer benefits.
Here are some tips to follow before you decide on the right insurance policy for you and your family:
Review the financial strength of any prospective insurance company
Write down the name, address and telephone number of your insurance agent. If an agent refuses to give you a business card, discuss what company he/she represents or provide you with the requested personal details, stay clear.
Avoid insurance agents who are visiting your area only temporarily, because they may not be available to offer you assistance or answer your questions once you have purchased an insurance policy.
Don’t be afraid to inquire about a particular insurance agent’s education level, insurance experience or relevant qualifications
Contact your local Department Bureau of Producer Licensing if you have any questions or concerns about an insurance broker or agent
Try to set your emotions aside when you are making an insurance purchase
Be very cautious when you encounter insurance companies or agents that claim to be authorized by a labor group, the government, professional organizations or a teacher group
If you don’t have the time available, don’t be afraid to ask an insurance agent to leave your home and return at a more suitable time. If you don’t feel comfortable dealing with a particular agent, ask the person to leave and continue your search.
Never let an insurance agent or company pressure or intimidate you into purchasing insurance coverage you don’t need or want
Take your time deciding on which insurance policy to purchase. If an insurance agent pressures you into making a quick decision, find another person or company to deal with as the insurance will remain available to purchase.
If you want to change insurance policies, be sure you investigate not only the rates, but also the conditions, benefits and specific coverage offered with the new policy. There are often certain risks associated with switching insurance policies. For example, you may no longer be eligible to receive health insurance coverage if you have been diagnosed with a medical condition since your original health insurance policy.
Be sure you know exactly which insurance benefits you currently have before you decide to purchase an additional insurance policy
Make sure you don’t duplicate insurance coverage. Your existing insurance policy may already cover some of the benefits offered by a new policy you are considering purchasing.


Don’t assume that the policy premium you have been quoted will be the actual price you end up paying or that your policy will automatically be approved for coverage. Quotations for premiums are furnished based on current information and can change at any time. If the insurance provider discovers that any of the information you provided is incomplete or incorrect or new information is added, you may have to pay a different premium. The insurance company may even refuse to issue you the insurance policy.
Make sure all of the information you provide on your insurance application form is complete and accurate. Review the document thoroughly before you sign it. Whenever you answer a question on the application, ensure your responses are honest and accurate; you will be held accountable for any information with your signature. If you fail to report accurate information, you may end up having your policy voided. Insurance companies can also terminate your coverage or charge you a higher premium if they subsequently discover omissions or errors on your insurance application.
Rather than paying for your policy in cash, use a money order or preferably a check. This payment form will not only provide you with proof that you have paid in full, but will also enable you to issue a stop payment if required. Another tip is to make your check payable to the insurance company, rather than to the insurance agent.
If you decide to change to another insurance company, never cancel your current insurance policy until you receive the exact rate of the new policy. You also need to ensure you have actually been accepted by the new insurance company or you risk being left without insurance coverage.
Don’t sign any insurance application form until you have read the entire document and ensured all of the information it contains is accurate.
Read through your entire insurance policy as soon as you receive it. Review the specific coverage you will receive and discuss any questions, concerns or omissions with your insurance agent.
If you want to lower your premium, you can choose a higher deductible. This refers to the amount of money you are required to pay before your insurance provider will pay the remainder of your claim. Make sure that you understand exactly how the insurance company defines the deductible. For example, does the company charge per family or per individual, per illness or per occurrence?
Review any available payment options for your premium, as some insurance companies will allow you to finance payments or to pay in installments for a low administration fee.
If you want to verify the licensing status of a particular insurance agent or insurance company, you should contact your local Insurance Department or visit their website.


 











What is homeowners insurance?

Why do you need health insurance?

Why do you need life insurance?

How Does Your Credit Score Affect Your Insurance Rates

Why You Need to Report That Accident

How to Collect on an Insurance Claim

How to Prevent Vehicle Theft

What to Do If Your Vehicle Is Stolen

Obtaining Affordable Auto Insurance If You Have a High Credit Score

How to Obtain Affordable Business Auto Insurance

Factors That Affect the Cost of Liability Auto Insurance

How to Avoid Driver Distractions

Resisting Road Rage

Qualifying for Military Auto Insurance Discounts

Obtaining Auto Insurance for an Out of State Move

Obtaining Teen Auto Insurance

How to Lower Your Auto Insurance Rates

Avoiding the Temptation to Drink & Drive

Submitting a False Insurance Application

All About Assigned Risk Insurance

Don’t Rely Solely On Price When It Comes To Auto Insurance

How to Avoid Insurance Fraud

What You Need To Know About First Time Driver Auto Insurance

The Top Ten Steps to Avoid Insurance Fraud

How to Obtain DWI Auto Insurance

Save Money by Changing Your Auto Insurance

Insurance Tips

All About High Risk Auto Insurance

SR22 Insurance

International Auto Insurance

How to Obtain Auto Insurance with A DUI

Obtaining Auto Insurance For Hard to Insure Vehicles

Components of Auto Insurance

Obtaining an Auto Insurance Student Discount

State Auto Insurance Minimums

MINIMUM STATE AUTO INSURANCE REQUIREMENTS

Car Insurance for Female Drivers

Purchasing Direct Auto Insurance

What You Need to Know About Family Car Insurance

How to Obtain Affordable Car Insurance after a Divorce

When You Should Disable Airbags

Car Accidents Often Occur Very Close to Home

All About Personal Injury Protection

Do You Need Small Business Car Insurance

Discover the Facts About Safe Car Insurance

The Limitations of Auto Insurance

No Credit Check Car Insurance

Insurance Policy Cancellations

What You Need to Know About Short-Term Car Insurance

Reviewing Auto Insurance Rates in Various States

All About Classic Car Insurance

Obtaining Seniors Auto Insurance

How Cell Phones Affect Car Insurance

Temporary Auto Insurance

Finding an Affordable Auto Insurance Policy

Learning More About Gap Car Insurance

Comparing Vintage & Regular Auto Insurance

Discover the Facts About No Fault Auto Insurance

The Facts About Commercial Auto Insurance

Everything You Wanted to Know About Term Life Insurance, But Were Afraid to Ask...

Think Your Lifestyle Has No Effect On Life Insurance Rates – Well, Think Again!

Discover the Various Types of Life Insurance

Useful Tips for Purchasing Life Insurance

Protect Your Small Business With Term Life Insurance

Purchasing Life Insurance Coverage For Your Children

When Should You Opt for Term Life Insurance?

What to Do If You Lose Your Life Insurance Policy

The History of Whole Life Insurance

The Main Differences Between Term Life & Whole Life Insurance

Whole Life Insurance Glossary

What You Need to Know About Variable Life Insurance

Learn More About the Different Types of Whole Life Insurance

Purchase Life Insurance Before It’s Too Late: Discover Why You Should Act NOW!

Insuring Your Spouse with A Life Insurance Policy

Discover the Many Benefits of Life Insurance

Everything You Wanted to Know About Universal Life Insurance

Discover the Facts About Term Life Insurance

The Advantages of Purchasing Whole Life Insurance

10 Important Facts About Purchasing Life Insurance: Discover the Secrets…

Save Money By Comparing Term Life Insurance Quotes

Discover Where to Obtain Whole Life Insurance

Return of Premium Term Life Insurance is Making A Comeback

What You Need to Know About Key Man Life Insurance

The Many Functions of Whole Life Insurance: Why You Should Consider It

The Benefits of Buying Term Life Insurance Online

Should You Combine Term Life & Whole Life Insurance?

How to Select A Beneficiary

The Dangers of Letting Your Life Insurance Policy Lapse

What You Need to Know About Mortgage Life Insurance

Discover How to Obtain Affordable Life Insurance… Even If You Are Over 50

The Benefits of Joint Term Life Insurance

Choosing Life Insurance to Accommodate Your Changing Needs

Purchasing Life Insurance for Newlyweds

All About Fixed Term Life Insurance

What Women Need to Know About Purchasing Life Insurance

The Importance of Life Insurance For Young Individuals

Permanent Life Insurance or Term Life Insurance: Which One is Right For You?

Are You Aware of Additional Life Insurance Options? Learn More About Rider Benefits

How to Save Money When Buying Term Life Coverage

Choosing Between Term Life & Whole Life Insurance If You’re A Young Adult

What You Need to Know About Short-Term Life Insurance

Do You Actually Need Life Insurance… Read On to Find Out!

How Life Insurance Can Protect You When You Purchase A House

Discover the Flexibility of Whole Life Insurance!

Should You Switch to A Whole Life Insurance Policy?

Wonder How Insurance Companies Calculate Your Premiums?

Do Something Positive For Your Health & Your Pocketbook & Quit Smoking

Deciding Between Whole Life & Term Life Insurance Once You Retire

How to Obtain Life Insurance Coverage If You Have A Medical Condition

The Importance of Key Person Life Insurance

Discover the Premium Payment Options for Whole Life Insurance

How Can A Life Insurance Policy Protect Your Loved Ones?

Discover Why You Should Purchase Life Insurance NOW!

Why Is Return of Premium Life Insurance Increasing in Popularity?

How to Find A Reputable Life Insurance Agent

Using a Life Insurance Policy to Pay off Your Home

The Basics of Life Insurance

How to Protect Your Family with a Life Insurance Policy

Discover the Facts About Child Life Insurance

Weighing the Advantages of a 5 and 10-Year Term Life Insurance Policy

The Many Benefits of Term Life Insurance

Should You Buy A Whole Life or Term Life Insurance Policy If You’re Single?

Deciding Which Whole Life Policy Best Meets Your Needs

Discover the Security of Term Life Insurance

When Should You Update Your Life Insurance Policy?

Determining How Much Life Insurance Coverage to Purchase

Term Life Insurance: One of the Most Affordable Options

Benefits of Offering Group Life Insurance to Your Employees

The Importance of Life Insurance for Stay-At-Home Parents

How to Simplify the Process of Comparing Life Insurance Rates

The Importance of Selecting Your Life Insurance Beneficiary

Deciding on Term Life or Mortgage Insurance

How Are Life Insurance & Health Insurance Rates Determined?

Preparing Your Family Members So They Know How to Collect Life Insurance Death Benefits

Do You Know What Your Life Insurance Coverage Includes?

Learn More About Joint Term Life Insurance Learn More About Joint Term Life Insurance

Why You Should Consider Whole Life Insurance If You’re Young

What You Need to Know When Applying For Life Insurance

Purchasing Life Insurance For Married Couples

Whole Life Insurance for Young Children

How To Purchase Life Insurance Without A Medical Exam: Discover the Pros & Cons

When Is Whole Life Insurance Preferable to A Term Life Policy?

Life Insurance: A Great Way to Plan Your Financial Future

5 Ways to Pay Less For Your Insurance Premiums

Looking for the Perfect Gift This Christmas: Choose the Gift of Life Insurance

Buying Whole Life Insurance When You’re Healthy & Young: Discover Why It’s Best Not To Wait

The Pros & Cons of No Examination Life Insurance

Discover 7 Easy Ways to Pay Less for Life Insurance

What You Need to Know Before Purchasing Life Insurance

Term Life Insurance & Buying a House: An Effective Partnership!

Determining the Amount of Term Life Coverage to Purchase

Dealing with Life Insurance Issues When You Divorce

Why Purchase A Term Life Policy?

Home | About Us | Contact Us | FAQ's | Articles | Site Map | Privacy Policy Copyright © 2018 A-1AutoInsurance.com, 5705 Steep Hill Road, Bldg 10712, Fort Smith, AR 72916