We offer these resources because we believe an informed consumer will be a happy client at Christie Dove Insurance. Some of the links on this web site will take you to other places on the internet. While we believe this information is useful and informative and is offered in good faith, please be fully informed by reading our Disclaimer first.
Get Smart About Insurance Attend Insurance University Online
The Business Guide to Insurance in Georgia
Auto Insurance Shopping Online (adapted from information provided by http://www.doi.idaho.gov)
Smart Shopping Can Save Time and Money
Review your insurance policies once a year to ensure the coverages are right for your life situation and that you are getting the best deal possible. Countless websites offer to help you save money on auto insurance. Here are few tips to make the online shopping experience safe and easy.
Decide Which Coverages You Need
Auto insurance needs are unique to a person’s life situation and may change over time. Make sure you understand the coverages found in auto insurance policies, and be sure the following coverage options are the same for every quote:
• Liability Limits – Liability covers the other driver in an accident for bodily injury or property damage for which you are legally responsible. Your liability coverage limit needs are based on the value of the assets you have to protect.
• Uninsured Motorist (UM) – Uninsured Motorist protects you when the other <uninsured> driver causes an accident that damages your vehicle or injures you or your passengers. This coverage is for the protection of the policyholder’s loss or damages inflicted by the <uninsured> motorist.
• Deductibles – Comprehensive and Collision coverages pay for damages to your vehicle caused in a covered accident and require the selection of a deductible. This is the amount you have to pay if the covered vehicle is damaged in an accident.
• Optional Coverages – These can be anything from rental car coverage to towing services.
Get Your Information Together
To get a rate quote, have the following information available:
• Your current auto insurance policy
• The driver’s license numbers of all drivers
• The vehicle’s registration
Before You Start Answering Questions
A variety of sites offer auto insurance quotes. Some rate for a specific company while others let you fill out one form and get quotes from several companies. A few things to know about getting information online:
• Because of coverage requirements, it is not easy to get online quotes in all states.
• Some websites will send the information to an agent in your area to quote and write the policy.
• Not all websites provide immediate quotes. In some cases a company representative will call to confirm the information before providing a rate. In this case, ask to have the information emailed for your records.
• If all the quotes do not have matching coverages/limits, contact the companies and ask for a revised estimate using matching coverages/limits.
• Some websites are authorized to make coverage available immediately, while others cannot, even if you have made a premium payment.
• Once you have made a payment for the policy, you should have access to a temporary identification card to keep in your car. Permanent cards and a copy of the policy should come in the mail within 60 days. Some insurers will issue the policy electronically if you mutually agree to communicate this way.
Completing the Quote Request
• Complete disclosure is required as the relationship between you and your insurer is one of mutual trust. Here are a few things that require close attention:
• Drivers/Operators –If you fail to include all household drivers and they are behind the wheel in an accident, the company could cancel or non-renew the coverage going forward or charge additional premiums.
• Driving Record – Generally, insurance companies ask for three years of driving history and will use a Motor Vehicle Report to check the driving records of all named drivers. It may also check claims histories. Some companies rate your premium by measuring at-fault accidents and traffic violations. Further, MVRs do not always reflect fault. Check all quotes for discounts or surcharges based on driving history and risk classification factors.
• Credit Rating – In most states it is legal for insurers to use credit-based insurance scores as a risk classification factor in pricing a policy. Review your credit reports (you have three) for errors before getting a quote.
Do Some Investigating
The lowest quote may not always be the best choice, so before making a payment, do some homework. Start by talking with friends and family about their auto insurance experience. If they are insured by one of the companies you are considering, ask about their best and worst experiences. Check with the Sate of Georgia Department of Insurance at www.gainsurance.org to verify that the company and agent are licensed in Georgia. You should also inquire about complaints made against the company.
For more information or tips on how to save money, go to InsureU and choose the life stage that best fits your situation.
All information provided is for information purposes only. Information is subject to change without prior notice. Although every reasonable effort is made to present current and accurate information, Christie Dove Insurance makes no guarantees of any kind. The Christie Dove Insurance web site may contain information that is created and maintained by a variety of sources both internal and external to Christie Dove Insurance. Christie Dove Insurance does not control, monitor or guarantee the information contained in these sites or information contained in links to other external web sites. In no event shall Christie Dove Insurance be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such site or resource.