Showing posts with label Car. Show all posts
Showing posts with label Car. Show all posts

Liability Car Insurance Quotes

Liability Car Insurance Quotes

Every time that you get into your car - at least according to the experts and national auto accident numbers - there is a great chance, about one in three or so, that you could be involved in a car accident. While this is not such a fun topic to talk about because nobody wants to get into a car accident, the reality is that they do occur every minute of everyday, and if you don't have the right and proper coverages, well you could find yourself in a really bad bind, and up the creek without a paddle so to speak. Some people will not get insurance, which is really sad, but ultimately true, and which drives up the cost of insurance for any other person who are seeking to get it because it ups the odds that there are more uninsured drivers out there. If you are seeking to avoid being one of those drivers, but premium coverages are beyond your financial means, you can easily avoid this dilemma by opting for liability car insurance quotes that can get you insured in a jiffy without breaking the piggy bank in the process.

Please Read Also: Auto Insurance Quotes

What is Liability Coverage?

 Please Read Also: Claim with Car Insurance on Liberty Mutual Insurance 

The aforementioned really begs to ask this question, because there are many people out there who do not know what this type of insurance is and what it covers. So that you better understand, and before we move forwards here, let us first clarify what it is and what it covers. Unlike traditional insurance, which covers repairs on your car, injuries to you or anyone in your car, and other things like towing and glass coverages, liability insurance is a cheaper form of insurance that only covers the other cars and the drivers that are in them. So if anything happens to the people you hit, if you are deemed responsible for causing the accident, you are covered by your insurance company.

Claim with Car Insurance on Liberty Mutual Insurance

Auto Insurance Like you've never seen it before
your situation as individual as you - and now you can get an insurance policy to match. Liberty Mutual auto insurance options, benefits and discounts mean you can get the protection you need, at prices you deserve.

Car Insurance Coverage

Helping you find the best coverage to fit your needs.
Not all car insurance is the same. Sure, there is a minimum level of coverage that all auto insurance companies offer – liability coverage for example - but there are also additional types of coverage that you can include on your policy to add an extra level of protection. Let's cut through the jargon and walk through some of the more popular coverage options.

Superior Protection 

Liberty Mutual goes above and beyond to make sure you're protected. From coverage like New Car Replacement, which is included on all car insurance policies, to Unlimited3 Rental Coverage, which you can choose to add to your policy whenever you'd like, we want to make sure you're confident in the coverage you choose.

New Car Replacement

It's said that a car starts depreciating the minute you drive off the lot. But with New Car Replacement, if your new car is totaled in the first year and within the first 15,000 miles, you'll get the money for a brand new car – not just the depreciated value.

Better Car Replacement

Even if your car is no longer new, you can still treat it like it is. With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 fewer miles on it.

Unlimited Rental Coverage

If you are ever in an accident, you can rely on our optional Unlimited Rental Coverage to pay your rental costs for as long as it takes to fix your car, when you choose to have your car repaired at a Liberty Mutual-approved repair facility.

Deductible Fund

This optional policy add-on can help lower your collision deductible and reduce the money you pay out-of-pocket in the event of a claim. When you add the Deductible Fund to your policy, Liberty Mutual will immediately put $100 into the fund to get it started.

Teachers Auto Insurance

If you're a teacher, you can get additional coverage to protect your vehicle and any teaching tools inside the car whether they're personally owned or were bought by your school – as long as they're in the car for school-related business.

Standard Coverage

No two auto insurance policies are the same, but most policies will include some variation of the following standard coverage.

Bodily Injury Liability

Bodily Injury Liability covers you in the event that you cause an auto accident in which another person (or people) is injured.

Property Damage Liability

Property Damage Liability gives you coverage in case your car damages someone else's property - usually this means someone else's car, but it could be a fence, light post or other piece of property.

Medical Payments

Medical Payments covers certain medical expenses if any vehicle occupants are injured in an accident.

Collision Coverage

Collision Coverage is an optional coverage that covers damage to your car caused by impact with another car or object.

Comprehensive Coverage

Comprehensive Coverage is also an optional coverage that covers damages to your car caused by something other than a collision - like theft, fire, etc.

Car Insurance Benefits

Insurance Policies are About More Than Just Coverage

Your auto insurance policy includes more than just coverage for your vehicle. It may also include some added benefits (some that are standard, some you can add) that can help make your insurance experience as hassle-free as possible.

Accident Forgiveness

If you've been accident and violation-free for 5 years (no matter what insurance carrier you've been with), we won't raise your rates due to your first accident. If you qualify, you'll receive this benefit at no extra cost.

Lifetime Repair Guarantee

If your car is in an accident covered under your policy, you can have it fixed at one of our approved repair shops and the repairs will be guaranteed for as long as you own your vehicle.

24-Hour Roadside Assistance

If your vehicle ever breaks down, we won't leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance coverage will get you moving again - we'll even make the arrangements.

12-Month Rate Guarantee

Many auto insurance policies only last 6-months. This means that your rate can change after only half a year. At Liberty Mutual, our policies are for a full-year - guaranteeing your rate for an entire year.

Convenient Payment Options

Paying your bill should be quick and easy; whether over the phone, online or through our mobile app, there are a number of options at your disposal. Have your payments deducted automatically from your checking or savings account (Electronic Funds Transfer), pay by credit card, mail us a check – you decide.2

After-Hours Policy Services

Have a policy or billing question, or need to change your policy? You can call our customer service representatives for expert help with questions regarding your policy and billing after normal business hours and on weekends.

Call 1-888-398-8924, Mon.-Fri. 8 am-10 pm ET, Sat. 8 am-8 pm ET, Sun. 11 am-5 pm ET.
Manage Your Policy Online
Make or schedule a payment, switch to paperless delivery, update policy information, track claims status, view transaction history and more with our online services. Register for eService today to begin managing your auto, home and life insurance policies from your computer or mobile device.

Car Insurance Discounts

Rewarding you with savings for affordable car insurance.

When you get a car insurance quote from Liberty Mutual, we'll help you find the discounts you qualify for, such as savings connected to your vehicle and driving record, employer, professional association, or alumni group. Qualifying for these discounts can save you even more on our already competitive car insurance rates.

Your Policy

Multi-Policy Discount

If you have more than one policy with us, you get additional protection and savings. 

Exclusive Group Savings

If you are a member or employee of any of the more than 14,000 employers, groups, credit unions or alumni associations that are a part of Liberty Mutual's affinity program, you could be eligible for exclusive group savings.

Preferred Payment Methods Discount

With several convenient billing options, you can choose what works best for you. Plus, you could get special savings when you pay your bill in full or choose one of our automatic payment methods.

New to Liberty Mutual Vehicle Discount

When you add or change a vehicle on your policy, you'll not only enjoy personalized service and expert advice, you'll receive savings on your premium.

Your Vehicle

Vehicle Safety Features Discount
You could receive auto insurance savings because of some of the standard safety features in your car, such as anti-theft and anti-lock brakes, as well as innovative features including adaptive cruise control, lane departure warning and collision preparation systems.

Hybrid Vehicle Discount

Preserving the environment is important. That's why we offer special savings to customers who insure hybrid cars.

Multi-Car Discount

It pays to have multiple cars listed on the same policy. Our Multi-Car Discount ensures you receive the best value and minimize the hassle of managing your auto insurance. For more information, go to our Multi-Policy Discount page.

Your Road Through Life

Teen Driver Discount

Our teen driver discounts can help keep your rates down while rewarding your teen for responsible driving.

Good Student Discount

Students who are under the age of 25 and achieve at least a B average get special savings on car insurance.

New Graduate Discount

Once you've completed your studies, get the right level of protection with special savings for new graduates.

Newly Married Discount

Get the right coverage with special savings for newlyweds.

New Move Discount

Let us help make your moving process easier with special savings just for updating your policy with your new address.

Newly Retired Discount

Now that you're retired, get the right coverage with special savings for new retirees.

If you need more information about this insurance please visit their website directly here

Safe Your Family with CAR Insurance

This insurance for your life. This is Central Asia Raya (CAR) is one of the leading life insurance company in Indonesia and provide high service. In 2013 the Company had a net worth of more than USD 4.71 triyun with risk-based capital (RBC) of more than 120%, as well as the only life insurance company and the first won a Platinum Award from Infobank magazine on the predicate "very good" for 10 (ten) years in a row (1999 s / d 2008).

CAR Insurance

Global business competition is a challenge for the Company to become a leading life insurance company in Indonesia is not easy. The government is getting serious fix the financial institutions that collect public funds banking, securities, and insurance (life and general). The insurance market increasingly open, while the public is increasingly critical and understand the importance of the insurance world. The 2012 Law on the Financial Services Authority (FSA) has been approved, the authority or regulator of financial services, especially insurance and non bank financial institutions other, on January 1, 2013 has been shifted from the Ministry of Finance to the FSA, and followed by the banking industry on January 1, 2014.

Central Asia Raya provides a variety of products tailored to customer need, Including is:
  • Individu: Insurance Products to Protect Personal and Family
  • Group: Insurance Products to Provide Comfort to Employees and Members Enterprises / Society In addition to Individual Insurance Products, Central Asia Raya Insurance also provide Life Insurance Products and Medicare set. With the aim to provide protection to the company from the financial risk associated with treatment / compensation for employees, or protection against creditors if there are debtors who died.
  • Bancassurance: Providing Certainty Credit Refund and Value Added Products Banking - Financial Services. Central Asia Raya Insurance has Bancassurance products, which in our sales activities to establish cooperation with the national banking or credit card issuing institution
  • Micro Insurance: Microinsurance product is an insurance product that is intended to allow all levels of society can have insurance at an affordable price. This product discount simple administration, can be obtained by any customer, economically and procedures of claims quickly and easily. CAR 2 types of micro-insurance market, namely as distributor microinsurance microinsurance SiPeci and dengue fever. SiPeci is a product of the mandate of the Financial Services Authority (FSA) through AAJI (Life Insurance Association of Indonesia) to create products to low-income people can have insurance as a mechanism of protection against financial risks faced. SiPeci motto smash the administration Simple, easy to get, Economical price, and immediately claim payment process.
  • Pension Fund: In an effort to maintain the continuity of income in old age requires a planning and effective and efficient handling in the form of Pension and Severance Program which is a program of new long-term savings and enjoy the results after participants or employees reaching retirement age. DPLK-CAR helps participants and the Company (employees) in the planning and implementation of programs Retirement and Severance Program thus ensuring the wellbeing of pensioners in old age.
  • Sharia: One base in CAR Insurance is Sharia, as a universal concept by promoting fairness based Syar'i.

Shareholder support is very important, especially in terms of capital, and this proved that the shareholders agreed to increase its paid-up capital of Rp 100 billion in 2008. Total paid up capital is in compliance with the provisions of the Government in the area of ​​insurance before the regulation was published. It is very important that the company has been anticipating changes in the regulation of the insurance industry.

Keep safe your life. For join with Car Asia Raya Insurance visit official website at here