Auto Insurance Based on Car Models

There are times when some people are into collecting automobiles over the years or purchase specific models and types for their driving enjoyment on the road. For example, someone you know may only purchase a specific make and model of cars. If this is the case and it is a popular type of car it may cost more for their auto insurance policy. The best way to check this out is through the internet using the free insurance quotes to compare what other companies are charging their customers. You may find a savings on your monthly premiums and be able to switch companies.

Some cars are more to put insurance on because they are considered sports cars and have a higher accident rate or are stolen more often. Other cars that are very popular, even though they are not sports cars may be stolen more often and this may be why the auto insurance premiums are higher in these vehicles. Statistically they may be used for younger drivers and teenage drivers which may mean they are susceptible to accidents and being stolen. This is something that you have to take into consideration when you are looking online for auto insurance quotes. Answer a couple of questions to yourself like who will be driving the vehicle and will there be anyone else on the policy with them?

Insurance quotes online are based upon the information you provide and answer on the questionnaire that is given to you on the company’s webpage. Even though the free insurance quotes are an estimate, it is an amount until they check your driving record you can keep in mind when you are thinking about buying a car or comparing your premiums. The company will confirm the information you provided them and then follow-up with an email for the actual rates they will charge you in a few days. If you answered the questionnaire honestly, than the actual premium you will be paying should not be too far off from the estimated quoted premium. Take your time as you review the auto insurance quotes before making your decision of which one is right for you.

Universal Insurance Company Auto Insurance

Car insurance is an important part of owning an automobile, due to the regularity of unavoidable accidents that your insurance would help you to cover. Finding a good company with integrity and fair pricing is also very important. The universal insurance company provides private passenger automobile and commercial insurance products, and is interested in building long-term agent relationships and keeping a good reputation.

Your Auto Insurance Policy
Auto insurance covers your financial loss if you have an accident and also provides liability, property and medical coverage. In the case of property damage your insurance would pay for any damage to or theft of your car. Liability coverage pays for any legal accountability for property damage or bodily injury to others. The medical coverage would pay for any injuries, rehabilitation costs, and sometimes funeral expenses and lost wages.

The insurance contract varies depending on the agreement between you and the company; as agreed in your policy, you pay the premium and your losses are paid by the company. Most states require you to buy some, but not all, of the six different coverages an auto insurance is comprised of. The lender of a financed car sometimes also has requirements. Nearly all policies are from six months to a year, and your company should notify you by mail when you have to pay your premium and renew the policy.

To save money on your insurance policy, be a safe driver. Having a clean driving history means lower rates. You may also be able to get lower rates by taking defensive driving classes or other drivers education courses. Some companies give discounts to students or people with certain types of vehicles. Inquire with your insurance provider for more info.

The Company
The universal insurance company is a reliable source for auto insurance based in North Carolina. A few of the special features offered to agencies through the program include the acceptance of outstanding company payment plans or premium financing, exceptional agency incentive programs and commission, and a full service website for agents. The website includes policy detail, quoting, binding and submission of new business, online payment and endorsement processing.

Universal insurance company offers exceptional service and competitive pricing to those for whom it might be difficult to receive personal automobile insurance because of their previous driving history or the type of automobile they drive. It also provides commercial vehicle insurance policies on a large variety of automobiles and trucks used in business. Universal believes in the independent agency distribution system as the most professional way to understand and meet its customers’ needs.

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Glossary of Auto Insurance

Do you want to get the auto insurance coverage you desire? One basic way of accomplishing this is by learning the terms of auto insurance. Knowing the terms of auto insurance can not be over-emphasized. It is a key factor to your choosing the right insurance policy for your car.

Take a fresh look at some of the interesting terms of auto insurance to better equip you for the booming industry. Here are some of them:


Temporary agreement stating that the auto insurance policy is under effect but may not necessary is. This agreement is based on the contract both of the policyholder and the insurance company which may not have taken into effect.

When a policy cannot be endorsed immediately, the binder is used to protect the policyholder until the insurance policy has fully gone into effect.

Bodily Injury

This is an unexpected damage or injury to the body of the car driver and/or passengers, pedestrians etc resulting from an accident, storm, wind, or any other form of casualty.

Sometimes, this could be due to negligence on the part of the car driver. Proper care should be taken by car drivers when they are driving on the road.

It could also be the result of negligence on the part of other drivers on the road. Having bodily injury liability coverage should be expected on the part of drivers.

Bodily Injury Liability Coverage

This is also auto insurance policy coverage for the policyholder in the event of car accidents causing bodily injuries for the driver and others involved e.g. passengers and/or pedestrians.

In most cases, the coverage includes the income lost as a result of the accident and even up to medical bills for the victims having the coverage.

There are much benefits of having coverage of bodily injury. One major reason is the reduction of medical expenses.

Normally, all medical expenses of an accident resulting in bodily injury are assumed to be the primary responsibility of the victim or his or her guardian.

Coverage for bodily injury can be accessed based on the severity of injuries sustained during the cause of the accident and the medical bills involved for such injuries.

As already noted, injuries can be sustained by others not in the vehicle e.g. pedestrian which may result in a legal case against the driver.

In this case, the coverage may also be used to cover the costs of any legal defence involved when the driver is actually found guilty for the injuries sustained by the victims other than him.

Blue Book

This refers to the printed book or writing of auto insurance. It is primarily used for the purpose of determining the actual market value of fairly used cars and trucks that have auto insurance coverage.

The value of the automobile or car as determined by the book is the same as that computed and indemnified to the policyholder for an accident resulting in the damage of the car or truck.

The blue book often helps in keeping the right record and value of the insured car or truck. The book is always safely kept for future references in the event of an accident resulting in a car damage.


In auto insurance terms, a broker simply refers to a marketing professional or consultant who represents one or more insurance companies.

They take appropriate steps and procedures to ensure the insurance customer or policyholder get the best value or auto insurance coverage.

They are primarily there to working hand in hand with companies and agents to give the best value to all active policyholders.


This is a licensed insurance specialist who acts as both a representative agent and a broker for one or more insurance companies.

They also ensure that the customers or policyholders get the best value for their insurance policy. They are like the middle man between you and the insurance company they represent.

They may also have to carry your complaint or feedback to the insurance companies in order to satisfy your insurance needs.

In addition, they may have to give or pass some updates of the insurance company to the policyholder during the time of which the policy is in force.

They need to be reasonable and be keenly interested in the affairs and needs of the insured. They need to be very conversant and familiar with the insurance field they represent.

Broker Fee Agreement

In insurance terms, it means the contract agreement between the insured/policyholder and the licensed broker during the period of active insurance coverage.

Sometimes, this agreement may include the actual charges of the services of the broker for the insurance coverage of the policyholder.

All decisions and actions are mostly based on this agreement of the insurance policy. This helps in avoiding unnecessary disagreement and failures during the insurance coverage.

Getting the Cheapest Auto Insurance Quote Gives Life to Your Budget!

Are you searching for the cheapest auto insurance quote? You know the one that’s hard to get. If so in this article we will show you where that cheap auto insurance quote is, what you must do to get it and bring relief to your budget and put a smile on your face.

I don’t know about you but having some extra bucks at the end of the month sure beats the empty pocket syndrome and puts a smile back on an otherwise gloomy scenario.

Depending on what type of automobile and insurance you have, you could save anywhere from twenty to thirty dollars a month up to hundreds a month and that can put a smile on any ones face.

The big problem is that it’s not that simple to get that coveted cheapest auto insurance quote. Most online auto insurance quote sites will not give you that lowest quote.

Online Insurance Quote Sites

These sites are set up to give you fast quotes, not low low quotes. The lowest quotes can only come from your local agents. Online sites can only give out the standard quotes that are stored in their data base and believe me they don’t put the cheapest vehicle insurance quotes in those data bases.

What they do put in their data base are their regular rates and I don’t care how hard you try to get that low rate from them, they just can’t give it to you because their data base doesn’t contain it. So where do you get that cheap auto insurance quote?

That cheapest auto insurance quote is only available from the local agent and they do not like giving out that cheapest Quote. You have to force them to give you that low, low rate.

For a local agent to give that coveted cheapest car insurance quote he has to give up some or all of his return on that policy. That is something the local agent does not like to do, unless he is forced to.

How Do You Force The Local Agent To Give The Cheapest Quote?

Unless the local car insurance agent is your brother-in-law you have to get him to compete against other local agents to get that in demand cheapest quote. Just walking into his office and telling him or one of his agents that you’re getting quotes for your car insurance won’t get you that cheapest rate.

Every one who walks into the agency says they are going around getting quotes but in reality only about 5% actually run around from agency to agency getting quotes because it’s a big hassle to say the least. The person you need to see is usually not available. You end up spending a huge amount of time, accomplish very little and become frustrated and quit.

The agent will take that gamble that your one of the 95% that quit and take the rate that he quoted. He’ll lose 5% but what he makes on the quitting 95% sure makes up for his loss.

Force the local car insurance agent to Compete

Your local agent does not want you to get your auto insurance from the agent down the street. They might be best friends at the local chamber meeting but get them competing for you car insurance business and they will do what ever is necessary to get your business. They will!

Insurance agents derive their money on residuals – Money that automatically comes to the agent from policies that automatically renew each year. They know that most people having gotten a great deal that first year will automatically renew every year thereafter with out shopping for that low quote, and that’s where the agent makes their money, year after year.

Unless that Local agent knows they are competing, You won’t get that lowest quote. Here’s the secret to getting that cheapest quote from the local car insurance agent.

One Form, 6 or 7 Local Agents = Instant Competition!

Why not go to a web site where you can fill out that one form, it gets faxed to the local agents where you set in motion a system that guarantees you receive the cheapest auto insurance quote. Here’s what will take place.

You answer a few questions that the agents need to know to give you the lowest quotes.

That quote request is faxed to 6 or 7 of the sharpest local agents in your surrounding area. These are agents that will fight for your business and are willing to do what ever is necessary to get your business.

They contact you directly in a few hours with those low low quotes. Cheap because they know when they receive your quote request that their competition received that request also. They know what they must do to get your business.

All you need do is wait a few hours because those auto insurance agent are bringing you some of the lowest car insurance rates you have ever seen. Just pick out the one you like the best and you have assured yourself that you have received the cheapest auto insurance quote possible.