Smart Auto Insurance Blog

As to be expected, auto insurance rates are very high for teenage drivers because they are riskier since they are new and in the learning process of driving.  The article “A Crash Course On Auto Insurance” by Diane Giles on kenoshawnews.com points out that adding a teen to an auto insurance policy can double the yearly premium. 

Director of Insurance for the Consumer Federation of America, Robert Hunter, says that data on teen deaths and accidents is very bad.  It’s especially bad for young, male drivers and that is directly related to their auto insurance rates.  Auto insurance companies use this data to determine who is most likely to file a claim.  Car crashes are the number one cause of death among teens in the US.  A driver age 16-19 is 4 times more likely to have a fatal car crash compared to a driver age 25-69.  That is astonishing and extremely concerning. 

Experts agree that it is crucial for parents to get involved and educate their kids on driving safely.  Not only drugs and alcohol are distracting kids.  It’s also talking on the phone, texting, and loud and rambunctious passengers.  By having your teen contribute to their auto insurance bill it can encourage them to drive safely.  They need to understand the direct correlation between a clean driving record and the cost of auto insurance.

According to the article “Syracuse car insurance quotes continue to rise” by Chris Rowe on viploan.com, Syracuse, NY continues to see rates increase.  Analysts are not concerned about the increasing car insurance quotes.  This is the trend is many parts of the country. 

But a different article “New York State Auto Insurance Rates Decline 20.3 Percent in 2009″ found on money.cnn.com, paints a different picture for New York over all.  This article states that the average 6 month auto insurance rate in NY has decreased more than 20% since the start of 2009 according to insurancerates.com. 

The article also goes over some other interesting facts on New York auto insurance quotes.  Men in NY pay an average auto insurance premium about 12% higher than women drivers.  NY drivers who are under the age of 19 pay 100% more than drivers 60-74.  NY auto insurance rates declined over two percentage points more than the national average which declined 18.1% since the beginning of 2009.  Car insurance quotes will continue to flucuate in NY as well as the rest of the country so that is why it’s important to ensure you continue to shop around so you know you have the best deal on your premium.

Rates on your auto insurance quotes for your motorcycle have many determining factors.  Some of these include the type of motorcycle you drive, your experience with driving a motorcycle and your driving history.

Another thing insurance companies consider when calculating your quote is what type of training you have had in driving a motorcycle.  DMV’s and other safety classes offer classes that educate you on the particulars of driving a motorcycle.  Having this type of course under your belt may lower your auto insurance quotes.  It’s important to keep any certificates you may receive to prove your class registration.

Many auto insurance companies offer motorcycle insurance, including Dairyland Insurance, which is a subsidiary of Sentry Insurance, a parent company.  They specialize in motorcycle insurance as well as other forms of non-standard auto insurance protection.  They have been rated very strong by Standard and Poors for the last 5 years for their excellent business.  About 20% of their customers live in Florida but they are licensed in many states.

The agricultural risk management company, Acceptance Insurance, offers insurance products and provides property and casualty insurance as well. 

Acceptance Insurance provides insurance under two insurance company subsidiaries called American Growers Insurance Company and Acceptance Insurance Company.  AGIC provided insurance products before stopping operations back in 2002.  The District Court of Lancaster County, Nebraska placed AGIC into rehabilitation December, 2002.

Acceptance’s only operation remaining is AIC which is under administrative supervision.  They continue to control the run off of discontinued and sold companies.  Because of drought and inadequate growing conditions, AI also divested American Agrisurance which is its crop insurance business.  AIC sold its property and casualty operations to Hannover Re and McM.

Infinity Auto Insurance, which is a leading nonstandard personal auto insurance company, places community service as a high priority.  Their community service organization called Infinity Cares partners with many local charities to give back to their community.

The Infinity Cares team helps in many ways including back-to-school drives, festivals, parades, health fairs as well as other neighborhood events.  They have promoted safety programs at schools while encouraging parental involvement.  They’ve participated in the Juvenile Diabetes Research Foundation Walk”, which included many employees and their family members. 

Other programs have included a back pack program for needy students, Big Brothers Big Sister participation, and contributions to Mentora Hispana which is a segment of Big Brothers Big Sisters dedicated to Hispanic youth mentors.

Eastwood Insurance has come along way since it started back in 1989.  Over the years it has become an industry leader in offering quality service of auto insurance coverage.  They have developed a reputation of integrity and expertise.  They believe insurance should be affordable for all and they truly want to save their customers money.

Eastwood Insurance individually chooses their partners.  Instead of offering every single insurance product on the market, they look for partners who can represent what Eastwood believes in.  Information is being delivered faster than ever and they ensure their technology is up to date.  Their website provides easy access to the company’s information, employment opportunities and changing trends in the insurance industry. 

Community service is also an important part of Eastwood’s philosophy.  They contribute regulary to Children’s Hospital in Los Angeles, and Oakland.  They also contribute to Goodwill Industries.  Their employees are always encouraged to take an active role in the community in any way they can.  This shows what kind of company you will be doing business with if you become their customer.