Smart Auto Insurance Blog

It’s well known that you can get car insurance quotes from Donegal Insurance, but many people do not realize how easy it is to get boatowners insurance coverage.

Donegal Insurance offers many types of insurance products, one of which is boatowners insurance protection.  Boatowners insurance provide the extra coverage you need to ensure your boat is protected.  Donegal covers the entire boat from bow to stern and provides coverage on water or land.  Their policy extends to motors, controls, electric equipment, and standard fuel equipment.  They ever cover extras such as boat oars, anchors, life preservers, and additionally a boat trailer.

Legal liability is taken care of with boat liability and medical payment coverage.  Coverage is extended in the case of a boating accident and there are many other optional coverages.  Some of these options include Boater’s Emergency Towing and Labor, Boat Replacement Cost, Uninsured Boaters Protection, and Boater’s Personal Property Coverage.  You can even get discounts through boatowners insurance.

Specifically noted on Donegal’s website are discounts for the completion of certain safety courses, built in fire extinguishing systems, depth finders, and of course if you have other insurance products through Donegal Insurance you can find yourself with an up to 10% off discount on your boatowners insurance.

American Commerce Insurance offers a wide variety of insurance products including motorcycle, home, renters and auto insurance.  Most people carry different types of insurance policies to protect them in the case of different kinds of accidents.  But there isn’t really an insurance product for everything that can go wrong and that’s where umbrella insurance comes in handy.  American Commerce offers umbrella insurance and does a great job of explaining how it works on their website.

Basically umbrella insurance is a catch-all insurance product.  It takes care of larger incidents that are highly unlikely, but still can devastate you.  Some examples of these incidents are your dog biting a neighbor, your child accidentally causing a fire, or a guest trips on your steps and goes on permanent disability.  All of these scenarios are relatively rare, but they do happen regularly across the nation.  Some of these incidences can cause million dollar lawsuits which most consumers are not prepared for emotionally or mentally.

Umbrella insurance can help reduce some of this stress.  It provides an extra layer of protection that can put your mind at ease.  You can add up to $5 million in extra liability protection for your homeowners, watercraft or auto insurance policies.  It’s generally a very low annual cost at just a few hundred dollars per year.  It’s a great protection to ensure you are protected in the case of lawsuits, attorney fees or garnishment of wages.

Louisiana once again is experiencing the highest median auto insurance costs throughout the entire nation.  Coming in at $1,111 on average according to the InsWeb survey, Louisiana feels the weight of these high rates especially when compared to other states which are significantly lower.

According to the article “Louisiana Auto, Property Insurance Rates Highest in US” by Christopher Tidmore on BayouBuzz, North Carolina’s average cost is $495 and Virgina comes in at $521.  Both of these rates are less than half the cost of Louisiana auto insurance.  Florida auto insurance quotes have jumped and are on the higher side as well, coming in at about $750, which is worse than last year.

InsWeb’s 2011 Car Insurance Rate Report comes in handy when people are shopping around to compare auto insurance.  It gives consumers an idea of what to expect and what might be considered “high” in their state.  The annual report ranks all 50 states and Washinging DC and bases their rankings on the median household car insurance rate for a 6 month policy.  InsWeb gets their rates from a system that tracks rates from the largest auto insurance companies in every state in addition to actual profiles of their customers.