Then you will receive a report from the insurance company regarding the assessment the auto insurance claim adjuster submits. If the damages exceed the value of the vehicle, it will be "written off". The amount you get on your auto insurance policy depends on the policy itself. If the auto insurance claim adjuster determines that the vehicle is written off, the insurance will pay you the book value of the vehicle. This could be more or less than what the car is worth.

With some auto insurance policies, you can pay extra to have a clause included stating that if the vehicle is written off within the first two years, you get the full amount that you paid for the automobile.There is a certain process that an auto insurance claim adjuster has to use to come up with the amount the insurance company will pay. You will usually get two quotes ? one that will see the car getting repaired at a top of the line garage and another if you take a cash settlement on the claim and get the work done yourself. The auto insurance adjuster knows that many people have friends who can do the work cheaper and often take the money. Once you decide how you want to proceed, the insurance company will issue a check. If you are paying on the vehicle, the check will be made out jointly to you and the lender.

Otherwise the check comes directly to you. The job of the auto insurance adjuster is only to access the damages, Any dispute you have regarding the report made by the auto insurance claim adjuster has to be done through the insurance company. Keep this in mind because the adjuster is only an ordinary person like yourself trying to make a living. An auto insurance claim adjuster doesn't have an easy job..

This gives the customer 16 more auto insurance quotes than the average online auto insurance broker gives to their customers. Gaby Ramos, an agent for XpressInsurer.com, believes that XpressInsurer's unique quoting process is what generates their customer retention and promotes new clients via word of mouth. She said, "Customer's use XpressInsurer.com because they do not want to spend all day on the phone. They would rather that we do the shopping for them so they can enjoy their time with family and friends." XpressInsurer.com has made shopping for insurance easy. They have a service that many consumers have looked for and have never found.

XpressInsurer.com understands that consumers today do not want to spend hours shopping for insurance online or on the phone; they want someone to do that time consuming work for them. XpressInsurer.com has solved the problem with a one outlet, one source, from beginning to end process that allows their customers to obtain multiple quotes and buy auto insurance at the same place. About XpressInsurer.comXpressInsurer.com is a subsidiary of Pegram Insurance. They have been in business for 22 years and have a combined 100 years of experience in the insurance industry. XpressInsurer is the largest independent agency group in North Carolina and currently gives out quotes in both North Carolina and Colorado.

Ryan XpressInsurer1-888-341-22811-888-341-2283 Faxhttp://www.xpressinsurer.com.

Most companies dealing with auto owners insurance have several plans designed to meet your needs. For example, you can pay the amount of the auto insurance in two equal payments, pay a percentage down and have the rest divided into six or eight monthly payments or pay it out over a twelve month period. There are so many companies that will give you a free quote, auto insurance is easy to find. The rate you pay depends on certain factors, Your age is important in getting a good rate for auto owners insurance, but if you are a new driver or are under the age of 25, then you will have to pay more because you are seen as a higher risk of having an accident. If you have an accident then the insurance company pays the costs of the repairs and any medical expenses that might be involved.

Each auto owners insurance policy also has a deductible. This is the amount that you have to pay before the insurance company pays out any money. The lower the amount of the deductible, the higher the quote for auto insurance that each one will give you. Choosing a high deductible is one way of lowering you auto insurance premiums. If you are one of these people with a high accident rate, then you should expect to receive a high quote.

Auto insurance companies may even refuse to issue a policy for you because they see the possibility of having to pay out more than they collect in premiums. Auto owners insurance companies make money when you pay the premiums and never collect. It does give you peace of mind though, knowing that you have the protection and coverage you need. Everyone has accidents at some time or another and you need to have the insurance to back you up. So sorry about the bad news, but you normally do need auto owners insurance..

The information was collected from more than 2 million insurance rate quotes provided by Insurance.com to its customers in 2004 and over 500,000 insurance rate quotes collected in the first quarter of 2005.According to the report, the average consumer received an annual auto insurance quote of $2,304 in the first quarter of 2005. This is a $39, or 1.7 percent, decrease over the average annual premium quoted in 2004. The decrease is a welcome relief after "Insurance.com's 2004 Auto Insurance Pricing Report" highlighted a 6% increase in quotes from 2003 to 2004. "This report highlights the impact of the competitive pricing pressures insurance carriers have been facing," said Lou Geremia, president of Insurance.com. "Our data, combined with several external measures, indicates that consumers may be able to take advantage of this pricing pressure and benefit from savings not previously available."About Insurance.comInsurance.com is owned and operated by ComparisonMarket Inc.

in Solon, Ohio. The Insurance.com Web site ? http://www.insurance.com ? enables consumers to instantly compare competitive auto insurance quotes directly from any of more than a dozen leading insurance carriers. When ready to purchase, users have the option of completing the transaction online or talking directly to an unbiased licensed agent. Other products include life, health and home insurance as well as travel, dental and pet health insurance.In addition to Insurance.com, ComparisonMarket provides private labeled solutions to financial institutions, affinity groups and online marketplaces to offer their customers real choice and savings opportunities on auto insurance.*DisclaimerWhile the "2005 Auto Insurance Pricing Report" is a broad indicator of pricing activity in the personal auto insurance marketplace it reflects only the pricing activity of carriers that have participated in the ComparisonMarket auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, Massachusetts), and the aggregate profile of consumers who shop using the ComparisonMarket platform.Contact:???Lou Geremia, PresidentInsurance.com617-454-1140e-mail protected from spam bots.

In a poll taken in 2002, New Jersey, New York, Washington, DC, Massachusetts, and Connecticut rounded out the top five as the most expensive states for auto insurance. ???? Most industry experts feel that the rising cost of insurance fraud and accidents attributable to uninsured or underinsured drivers account for rising industry rates. The industry has done what it can by standardizing airbags, anti-lock brakes, seatbelts and other safety devices to reduce fatalities, but it seems that these measures have not held back the tide of problems caused by people not acting in the interest of the common good. Needless to say there is a direct connection between insurance fraud incidents and the premiums in each state. For instance, New Jersey has the most cases of insurance fraud, and the highest premiums.

Some states however are lucky, South Dakota, Iowa, Idaho, Wyoming, and Maine have the lowest auto insurance rates.???? Consumers are strongly encouraged to shop around, and purchase vehicles that have recommended safety features. Auto insurance education is critical. You can read more about auto insurance at http://www.simpletesting.com/autoinsurance.

"We also give helpful tips on how to save money on a pre-existing auto insurance plan."Visit www.AutoInsurancePlanners.com to learn more about:? How to save money on car insurance for a teenager. ? How to tell if an auto insurance company is financially secure.? How to prevent auto theft.? How to drive safely in bad weather. ? How to file an insurance claim. About Auto Insurance PlannersLocated in Laurel, MD, Auto Insurance Planners has been offering free auto insurance quotes online since 2004. Auto Insurance Planners allows consumers to shop multiple auto insurance company rates simultaneously online.

They also offer numerous articles on basic auto insurance information, tips on how to save money, and auto safety.To receive free auto insurance quotes from providers like Amica, GMAC Insurance, and Liberty Mutual, visit www.AutoInsurancePlanners.com. The website also offers many more helpful tips and free information on the basics of auto insurance..

See if increasing your comprehsive and collision deductibles will save you a lot of money. You need to compare what you're saving and how much more you will have to pay if you file a claim. For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year. It will take you 5 years to break even from what you are saving compared to how much more you have to pay. Now, if it saves you $250 every six months then it would be more worth your while.

See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount. One of the biggest ways you could save $200-$500 or more a year is shopping around for insurance. The auto insurance industry is very competitive and this is great news for smart consumers like yourself. Shop for auto insurance quotes here and see how much you can save..

You also need to makes sure you are comparing like coverage. Read all the hidden clauses and get all the details to make sure you are comparing the same coverage. We recommend getting at least 10 quotes.Buying online insurance can save you both time and money. No more wasted time sitting on hold on the telephone, or driving around town from one insurance company to another, then waiting to see an agent. Now you can accomplish all of this with a few clicks of the mouse.You can also save up to 40% by shopping online.

The insurance industry is very competitive and with the advent of online insurance purchasing it has become even more competitive. On sites you may still have to wait up to 24 hours to get the quote back but that's not too bad at all. Remember to be truthful on the quote applications. Insurance companies will validate the information you supply so if you tell little white lies and get a better rate, they'll take it away from your later or worse yet cancel your insurance.There are many different ways to get a discount. A clean driving record, no tickets, no accident, your age, drivers over 50 often get an extra discount.

The type of coverage you choose can also earn you a bigger discount. For example the higher your deductible the bigger the discount. Different types of vehicles will also earn bigger discounts. The more safety features your vehicle has the more of a discount it will earn. Also the less driving you do the more discount you will earn.There are many things to consider when buying insurance, all affect your rates.

You should decide what coverage you need and how much of it you require before requesting quotes. That way you'll be asking each insurance company for the same coverage.Some states and provinces require minimum coverages, such as with liability insurance. Be sure you know and understand what coverage is required by law and make sure you include these coverages in your request for quotes.You should also make sure you choose reputable insurance companies to deal with. Great savings are only a good deal if in the event of an accident your insurance company very quickly handles the claim. Companies that drag claims out and prolong paying are no deal!So whether your insurance is due or coming due shortly, now is a good time to start checking rates and seeing what type of discounts you can get.

So the question is are you ready to save some money?.

You can always check the rating of the insurance company you are planning to deal with.You should always get at least 5 or 6 quotes so you can compare thoroughly. When comparing make sure you are comparing same policies. If not it would rather be like comparing Victoria Secrets lingerie to Walmart lingerie. Not a fair comparison!You will need to be able to provide the company you are asking for a quote from with information relating to your driving record. There is no point in fibbing.

Because the auto insurance company will validate all information you provide. If you lie your rates will go up or the insurance company may cancel your policy.All auto insurance is not created equal for many reasons. Companies use a formula to determine rates. We won't get into the details of the formula but basically they calculate out the number of drivers they cover, the costs for the previous year including operating, accident, and liability claims, then they do some math and come out with their rates. Much is determined by the amount of payouts they've had.

We mentioned earlier about purchasing from an insurance company that is rated well. If you save a bundle of money but the insurance company you purchased your policy from has a tendency not to honor and pay out on claims but rather weasels their way out. Then the savings aren't worth anything. Or if the insurance company is a fly by night operation here today and gone tomorrow, they'll be gone with your money and you won't have insurance. No savings in that scenario! So make sure to check! Unless of course you recognize the insurance company.Companies like Geico, Allstate, Hartford, State Farm, Progressive, and of course several other big companies can be found online.

Most companies offer online quotes which is very handy. No more sitting on the telephone waiting to speak to an agent. No more driving half way across the city to get rates then driving half way around the city to get another rate then?. Okay I'm sure you get the picture! It's tiring just thinking about it. It's so much easier just to pull up a chair and put your mouse to work.Hopefully we've brought to your attention that all auto insurance is not created equal.

We thought we'd mention it again just incase J So shop around and save money!.

"What I don't love is when the big guy gets taken for a ride on his auto insurance. But who's got time to shop around? That's where Insurance.com can help."The :30 and :60 spots were produced for Insurance.com by Pickett Advertising of San Francisco.About Insurance.comThe Insurance.com Web site ? http://www.insurance.com/auto.aspx ? enables consumers to instantly compare competitive auto insurance quotes directly from any of more than a dozen leading insurance carriers. When ready to purchase insurance, users have the option of completing the transaction online or talking directly to an unbiased licensed agent. Other products include life, health and home insurance as well as travel, dental and pet health insurance.Insurance.com is owned and operated by ComparisonMarket, Inc., which enables financial institutions, affinity groups and online marketplaces to offer their customers real choice and savings opportunities on auto insurance. Working with top insurance providers, ComparisonMarket provides instant, accurate comparative rate quoting and purchasing via the Internet or over the phone.

ComparisonMarket is headquartered in Cleveland, Ohio. About Pickett AdvertisingThe campaign was developed and produced by Pickett Advertising. Pickett is an independent, full service agency based in San Francisco that works across a number of categories including retail, financial services, sports and event marketing.Contact:???Lou Geremia, PresidentInsurance.com617-454-1140.