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Tony Said:

Anybody know anything about insurance?

We Answered:

Yes, you run the risk of being responsible for back premium if there's something not correct on your policy. Also be aware that a phone quote is not final, eventually you'd need to review the final details and paperwork and I'd wager that's when you'll see the error - and either have to say something at that time or sign off fraudulently on a legal contract.

Other than the VIN, verify the driver info (age, address, marital status, license #, record), employee info, mileage classification, liability LIMIT (is one agent quoting state minimums and the other $50,000 more coverage?) and if one is giving you a liability DEDUCTIBLE (uncommon but not unheard of, especially on commercial policies.)

All things being equal, quotes should not be drastically different within the same company for the same coverage, period, so something is awry.

Lewis Said:

Auto insurance with eSurance. Are they good?

We Answered:

i own a repair shop,and one of my customers switched to them,,then after 8 months they just dropped him for no reason,now he has no insurance,,and cant go back to his old company for at least five years,,and cant find any good insurance to purchase,,basically they screwed him for no reason,,we tried a lawyer ,but he was no help,,so be care full,they can drop you any time they wont to for no reason at all,they did him,,good luck i hope this help,s.

Emma Said:

Auto insurance with eSurance. Are they good?

We Answered:

Depending on your state determines if the insurance company can drop you for having claims. California can not--they can only drop you if you don't pay your bill.

My only experience with their claims department has been professional in nature. The adjuster I spoke with was clueless bur reasonable--this doesn't mean if you have a claim your adjuster will be either.

My suggestion is this: read the policy with eSurance to see what they cover/don't cover and then compare it to yours. If eSurance provides better/more coverage--go with them. If they don't, then don't switch. The bottom line with insurance: you get what you pay for. This comes down to the level of service you'll receive. And remember, you're dealing with people. My office is understaffed but MY priority is returning all phone calls received that day, as well as answering my phone--some adjusters have other priorities and don't return calls timely or answer their phone. Point is---it's not the company, it's the adjuster assigned to your claim you should be worried about.

Lawrence Said:

BUYING OR LEASING A BUSINESS VEHICLE?

We Answered:

Think of your cash flow and then also the net effect of the taxes and interest payments of the vehicle, make two columns and then match the two up against another.

Treat is almost like you will give marks for a exam paper and you will get to the best option for you on this. Usually better to own something, but you are in business, so. Not all the same rules apply

Glenn Said:

Unsure about auto insurance law?

We Answered:

you would not have to pay. it would be their fault.