Child Insurance:I want to obtain my child saloon insurance set up soon. Is one company better than another?
I have be looking in to my option for getting my child insurance online. I have found a great site for companies offering coverage surrounded by my area, http://www.childinsure.com but I am not sure which of the companies provides the most flexibility when insuring children. Does anyone hold an opinion or experience by some means with respect to this situation? For example, I know some companies will provide my child auto insurance short them having taken driver's coaching. Thanks.
Answers: Typically, insurance rates will vary from State to State and can even rise and fall by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving dictation. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see something like undisclosed accident involvement.
The best entry to do is call a LOCAL independent agent. Don't step across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be capable of help you solve your insurance problems, and donate you rate comparisons of several different companies.
An independent insurance agent will normally hold a dozen different companies and if he cannot help you, he should be network with other local agents that can.
In my agency, we own companies that do NOT run a credit score and response drivers with "smaller amount than perfect" driving records and specialize surrounded by youthful operator!
Stay away from all of the cars that you would LIKE to be driving and settle for something more calm - don't mix numbers and letters (300ZX, Z28, 240Z, Z71, M3, Z3 and the like) - instead, lean toward the 4dr sedan approaching Toyota Corolla, Nissan Altima. If you want REALLY CHEAP - look at the KIAs and Hyundais - but, you get what you compensate for.
Most of the replies on this site say "step to this on-line carrier or that on-line mover or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be capable of talk next to the same party every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this help!