Product highlights: The Hartford offers a number of special benefits to their policyholders, including RecoverCare, which provides reimbursement for home services if you’re injured in an accident, and lifetime renewability. With the Hartford, you also have the option to buy into the Advantage PLUS package, which provides first accident forgiveness, an annual reduction in collision deductibles, and more. If you’re an AARP member, you also get the chance to unlock policy discounts specifically designed for drivers over the age of 50.
The single most effective way to fix credit problems, however, is to make all your payments on time, starting immediately. If you can’t afford to make at least the minimum payments on all your debts, get in touch with some of your creditors to see if you can negotiate a deal. Many creditors will accept a somewhat smaller repayment if the alternative is forcing you into bankruptcy.
Results: After working my way through the DMV.org quoting process, I discovered that they don’t actually provide car insurance quotes. Instead, they just provide you with links to other websites where you can get a quote. In my case, it gave me exactly two links: to Esurance and Allstate. Clicking a link to go to one of these websites required me to start all over with the quoting process, leaving me wondering why I’d bothered with DMV.org in the first place.
Another factor to consider is how often you drive. If you work from home and only drive a few miles once a week to run your errands, you’re far less likely to end up in an accident than someone who has a 50-mile-a-day commute. Rush-hour driving is also riskier than driving at less peak times because you’re dealing with large numbers of often impatient drivers who may be willing to take risks in order to get themselves to work on time. In short, the more you drive, the more insurance coverage you’re likely to need.
Product highlights: Allstate customers can sign up for Drivewise, a mobile app that awards points for completing safe driving challenges. Those points can be redeemed for gift cards, merchandise, and other prizes. Plus, Allstate famously offers first-time accident forgiveness…even if you’re at fault for a fender-bender. Allstate’s also well documented for its roadside assistance services.
Some, like deductions for paperless billing, are widely available and don’t have special eligibility requirements. Others will be determined based on conditions beyond your control, like the city you live in or the technology built into your vehicle. While not everyone will be eligible for every discount, the companies that offer more discounts give you more chances to save.
If multiple people drive your car, or if you have friends or family riding with you, you need extra protection. Your insurance policy from The General may help provide for your passengers’ health care needs, too. An auto insurance policy from The General also helps protect you if you’re in a car accident that involves other drivers who don’t have insurance.