Is Esurance the Best Source For Online Insurance?
With just the mention of Esurance you immediately think of the sexy and spunky pink haired cartoon character named Erin Esurance who looks more like a hip cartoon action figure then a representative of a major car insurance company, and that is exactly what the people behind the character wants you to believe. Her cute looks, sexy costumes, and witty personality cause you to almost forget about the fact that this company is responsible for insuring hundreds of thousands of motorist in the United States each year. Yes, there's no denying the fact that their marketing department has done a fabulous job of portraying this company as the coolest car insurance company around, but how about their rates, fees, coverage, and customer support, you know the things that you or I really care about when deciding who to use to take out a car insurance policy with?
The first thing people want to know about when it comes to a car insurance
The first thing people want to know about when it comes to a car insurance company is how competitive their rates are? The first thing you should be aware of is that although their are national averages that some companies post, the fact of the matter is, getting a quote is about as personal as a hair cut- it has to suit you. That being said, if you were to go with an average policy with average coverage without all the bells and whistles then Esurance stacks up a bit better than some of the others such as Geico or Nationwide, but they aren't the lowest rates in town either...
The cumbersome problem
That most people face when shopping around for cheap car insurance is the fact that with all things being equal, getting a car insurance policy is time consuming and definitely not on the top 5 list of best ways to occupy your time on a Saturday afternoon which is why you see these car insurance companies trying to make their commercials look as fun and interesting as possible so you don't associate boring with car insurance or their company. If you are searching around for a competitive car insurance policy then you probably would need to visit each individual car insurance website, fill out there online forms and get individual quotes from them. This is a very time consuming process and can take you several hours to settle on one, but there is a better way.
You see, there are actually car insurance hybrid companies out there that allow you to get multiple car insurance quotes at once, thereby cutting the "shopping around" part down substantially because they list the top 5 companies (including Esurance, Geico, Progressive, Farmers, Nationwide and more) that are offering the lowest car insurance quotes in your area. No kidding. So instead of trying to guess who has the best rate, its automatically displayed to you so you can pick the best one and move on with life. Sounds good doesn't it?
To get the best cheap car insurance quotes online visit CheapGuyCarInsurance.Com to get multiple car insurance quotes from the top car insurance companies in the United States.
Getting Home Insurance Quotes
There are thousands of people who have taken advantage of historically low mortgage rates and the federal government's $8000 first time home buyer's tax credit who now have to go about getting house insurance quotes before they can finalize their paperwork. If you already have a car then you have a ready single source for getting house insurance quotes - your car insurance broker. In many cases you will get a discount on both your auto and house insurance by getting the policies from the same company. In some instances certain companies charge considerable higher premiums for one or the other due to an abnormal number of claims in a particular area.
Several Insurance Comparison Sites
There are several insurance comparison websites where you can go about getting house insurance quotes from major companies like Progressive, Farmers, Nationwide and the rest. There are many factors that go into a final house insurance quote. Before choosing your home you may want to take into consideration some of these possible issues. Never choose a home before having a professional appraiser go through and document any issues or defects in the home.
As a result of water damage in or around your foundation,
If you have any kind of water damage in or around your foundation you could have mold growing that can affect the health of everyone in your family. An appraiser can find evidence of leaks and other structural issues that your house insurance will not cover if they are considered pre-existing and not disclosed at the time of the policy purchase. If you live in an area that is subject to heavy rain or the possibility of flooding you need to be in a designated flood plain area to qualify for federal flood insurance.
Home insurance does not protect you from flooding
Keep in mind that most homeowners insurance will not cover you for flood damage unless you are in the flood plain or have a specific rider on the policy that will cover you in that event. You are, however, covered if you have a mechanical device in your home that breaks and causes flooding (pipes, water heater, pressure tank, etc.). The two biggest reasons people go about getting house insurance quotes is to protect their home in the case of fire or to protect their assets in case of litigation from someone who was injured while on your property.
Depending on the size of your property and what is on it you can get a wide range of coverage for both loss and liability. Your liability coverage is usually a small portion of your entire premium unless you have certain items or features in the landscape that increase the risk of claim. Features of your property that can drive your liability coverage higher are bodies of water (ponds, lakes, and streams), cliff areas and any area deemed dangerous by local authorities. Man made items present on your property that will increase your liability include trampolines and swimming pools.
Any of the insurance companies that you see ads on television and in magazines have good house insurance policies and you can easily compare quotes for several of them on the internet to see which policies offer the best coverage for the best price based on the area you live in.
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