My sister was borrowing my car, she was hit by someone who tried to avoid a pedestrian, she said the person did not want to exchange insurance information because all i have on the car is gap insurance, so they exchanged personal information instead. The car is totaled, and i was wondering which steps i should take from this point. Police officers were dispatched to the scene, but i was told there was no police report. Don’t officers have to fill out incident reports at the end of their shift?

What is as exciting as getting your teeth cleaned? How about trying to get a low car insurance quote. I used to dread that time of year.

You basically had two choices. Option number one is to pay the renewal fee. That is the simplest and easiest if you enjoy paying way too much for you car insurance.

Option two was to run around from agent to agent, form to form to get a quote. If you called you ended up paying phone tag with the person you needed to talk to. If you drove around you took your chance that the person you needed to see would be there instead of out doing what he wanted to do. A third choice started a few years ago and that was to go online to get a quote in a few minutes. This was fast and simple.Quick quotes from online insurance sites will never give you that low, low rate that you wanted and that was the reason for the quote request in the first place. Low rates.

Bottom line, you had no choice other than going from agent to agent to get a low rate. Local agents are the only ones authorized to cut rates and give a lower quote. Computers can only quote what’s in their data base and believe me the low quote you want is not in that data base.

The companies cannot afford to quote a policy lower than there local agents, thats why online quotes are always higher than the quote you can get from a good, competitive local agent.

The only logical way to get that low, low rate is to use hungry local agents and then only if they know they have competition.

When Agents compete You win. That is true in any business but especially in the car insurance business. Those local agents need your business if they’re to grow and if those agents have a family then they need to grow to become successful. So they are willing to compete. One more time, when agents compete You win.

What’s better than running around getting quotes or worse dialing for quotes? Go online and fill out one quote request, have it sent to seven or eight hungry local agents who want your business is the fastest and the best way to get the best rate.

If you want that low, low car insurance rate then you need to get the agents to compete. When a local agent receives a quote request from the system he knows that seven or eight other sharp local agents also received the quote request.

He knows that to get your business he needs to be as competitive as he can be, even if it means giving you the quote at his cost or below. He might lose money on your policy but he will make it back and then some when he receives his monthly bonus pool money from the main company.

You both win and that’s what makes it such a great system. You get that low, low car insurance rate and the agent gets another policy added to the monthly pool which means more money for his agency.

I’m new to texas so borrowing a car from someone is a no…..im trying to get my license for the first time but when applying for auto insurance they require a license…what can i do?
people i realize i need auto insurance before applying for the license…im asking how can i get insurance when it requires a license? and how do i get a license when i need car insurance?

Need to know the type of insurance people get when they don’t own a car.