California Capital Auto Insurance

Articles, Insurance Company
CIG Car insurance is available in California, Nevada and Oregon. Wisconscin, California Capital Insurance was started in 1911 in a downtown California Capital cigar store. They began by insuring local operations, sawmills, and paper companies. Now California Capital Insurance is a member of the Liberty Mutual Group. Liberty Mutual is one of the largest multi-line insurers in the North American property/casualty industry. Liberty Mutual has been the leading provider of workers compensation insurance, programs and services for nearly 65 years. Comparison of Auto Insurance Carriers & Brokers Carrier Name Pay by mile? JD Powers Claims paying JD Powers Rates Out of 5 JD Powers Overall Out of 5 21st Century Yes 2 3 2 AAA Yes 2 2 2 AIG No *NR *NR *NR Acceptance Ins. No *NR *NR *NR…
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American Family Car Insurance

Articles, Insurance Company
Amfam offers auto, homeowners, life, and health coverage. One of it's main competitors are Allstate and State Farm. They cover about seventeen states in the Midwest including Arizona, Colorado, Illinois, Idaho, Iowa, Indiana, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah and Wisconsin. They are rated AA- by Standard & Poor’s. American Family took #6 in the J.D. Powers 2011 U.S. Auto Claims Satisfaction Study, being only 1 of 4 car insurance companies getting a 4 out of 5 rating. American Family auto insurance discounts: Auto & Life Discount Home & Auto Discount Multiple Vehicle Discount Good Student Discount Air Bag Discount Good Driver Discount Defensive Driver Discount American Family does not give discounts for: Anti-lock brakes Low mileage Group programs Mature drivers Daytime auto running…
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Allied Auto Insurance

Articles, Insurance Company
Owned by Nationwide Group (Since 1998), Allied Property & Casualty Insurance Co. is not rated by Standard & Poor's. The Company was created in 1929. They write liability, medical payments, uninsured motorist, and personal injury auto insurance protection. Possible discounts include multi policy, loyal customer (3 years or more), Good student, Low annual mileage, Multiple car and discounts for Farm Bureau members. Allied also offers homeowners, farm & business coverage. They are headquartered in Des Moines, Iowa. Comparison of Auto Insurance Carriers & Brokers Carrier Name Pay by mile? JD Powers Claims paying JD Powers Rates Out of 5 JD Powers Overall Out of 5 21st Century Yes 2 3 2 AAA Yes 2 2 2 AIG No *NR *NR *NR Acceptance Ins. No *NR *NR *NR American Family No…
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Progressive Car Insurance

Articles, Insurance Company
Progressive is one of the largest auto insurers in the United States, with over 10 million policies. Competitors include Allstate, GEICO, Farmers Insurance Group, Nationwide Insurance, State Farm, and USAA. Auto insurance is sold through over 30,000 independent insurance agents, or direct over the phone or net. You may have seen their adjusters driving around in white Ford Explorers and Ford Escapes with the giant Progressive logo Progressive scored below average in J.D. Powers 2011 U.S. Auto Claims Satisfaction Study. Meaning they are more expensive than some other carriers. Shop around in the manila zip code box above! They also earned got top honors as the best car insurance website for customer experience, according to a study by Keynote Competitive Research. Pricing Rates may be different If you buy through…
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California Casualty Auto Insurance

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Founded in 1925 as an 80+ year old auto insurer, California Casualty Indemnity Exchange now . The company operates in 16 states: AZ, CA, IL, IA, KS, KY, MO, NE, NV, NM, OH, OR, UT, WA, WI and WY. Over 85% of the companies business is auto insurance and the rest is mostly homeowners coverage. California Casualty & Fire Insurance Company is rated BBBpi by Standard & Poor's. California Casualty received a rating of Excellent from the A.M. Best Company, Inc. California Casualty auto insurance discounts in California: Mature Driver course discounts of up to 5% Drivers training up to 10% Multi car discount of up to 17.5% Good student discount of up to 13% Multi-policy discount of up to up to 17% California Casualty does not give discounts for:…
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Auto Insurance Grace Periods

Articles
Should you be given a grace period on your car insurance renewal? There is confusion because there are grace periods in health insurance, life insurance, etc. But California law does not address the subject of a "car insurance grace period." Also the answer may vary because some car insurance companies will give you a grace period to reinstate your policy. But this is not intended as free coverage. If your carrier does offer a grace period, it's for back payment only, of up to 30 days back premium and reinstatement. The company will probably want to re-inspect the vehicle for damage. Auto insurers are not into buying claims. Should you get into an accident during that time, you do not have coverage. Your policy will have an exact time and…
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Auto insurance limitations and exclusions

Articles, Auto Insurance
All auto insurance coverage is subject to exclusions and limitations as outlined in the policy. Physical changes caused by wear and tear, freezing, mechanical breakdown, or parts failure are usually not covered. Some added equipment, parts, or special paint may not be covered, or are subject to a dollar limit unless optional coverage is purchased. Other exclusions include injury caused intentionally or if the injury is caused by a person who uses an insured vehicle without permission. truck rental coverage false arrest, wrongful eviction, libel, slander, defamation of character, and invasion of privacy. Exclusions and limitations must be clearly written and very specific. Conditions: This section establishes the conditions that must be present or complied with by the company and/or the insured. Examples of conditions include time-period restrictions, duties in…
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New Jersey Manufacturers Auto Insurance

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New Jersey Manufacturers Insurance Company is based in West Trenton, NJ and is one of the largest property-casualty insurers in New Jersey. The Company is a "direct writer," which means that policies are provided directly to customers by salaried employees. New Jersey Manufacturer's writes Workers' Compensation coverage in the greater New York metropolitan area. Subsidiaries include New Jersey Manufacturers Insurance Co., New Jersey Auto Insurance Co., New Jersey Casualty Insurance Co and New Jersey Indemnity Insurance Co. Comparison of Auto Insurance Carriers & Brokers Carrier Name Buy Online? States Multiple Quotes? Local Agents? AM Best S&P Editor Rating New Jersey Manufacturers™ No 2 No No A++ A State Farm™ Yes 50 No Yes A++ AA Allstate™ No 50 No Yes A+ AA Progressive™ Yes 50 No (Surveys) Yes A+ AA+…
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United Services Automobile Association (USAA)

Articles, Insurance Company
Since USAA has no shareholders, profits are retained or returned to the members. Returns are accomplished through a Subscriber's Savings Account, or SSA. Major car insurance competitors include AAA, Allstate, Farmers Insurance, Geico, Nationwide, Progressive, and State Farm. USAA was founded in 1922 and has over 5 million customers. They are a Fortune 500 company. They offer coverage to mostly military personnel and their families. It's auto and homeowners products are sold only to active duty, National Guard and Reserve enlisted personnel, officers and officer candidates, and their families. Life insurance and other financial services are sold to civilians as well. Strengths include low to moderate premiums, responsiveness and dividend checks. Weaknesses include dropping customers who develop poor driving records, few local agents and little done in person. USAA Ratings…
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