Auto and Car Insurance

trying to get a car insurance quote?

I'm trying to get a car insurance quote online and they ask some questions i don't know what they mean like: 1-anti-brakes? (what this means) 2-defensive driver course? (what this means)

Public Comments

1. 1: Anti-lock brakes (also known as ABS) It's a safety feature of most new cars. Basically, what it does is keep your brakes from skidding when you press the brake pedal to the floor in a panic stop. When the wheels lock up, you cannot steer because the tires are sliding. ABS will "pump" the brakes for you, keeping the wheels rolling, while giving maximum braking... this will allow you to still be able to steer while braking. 2. Defensive Driver Course You can get a video course at Blockbuster. You watch the video, take the test online, and then they mail you a certificate. This means that you've taken a recent course on defensive driving. Defensive Driving means you drive in a way that is less-likely to result in an accident. You don't have to take a course, but doing so can really lower you insurance rates. There are many other ways to take the course, I know some comedy clubs even offer them.
2. 1. If your car has anti lock brakes. If you're not sure, say no - it will pull up from the vin anyway. 2. It's a course, usually taken by people over 55 or those who've had a speeding ticket. If you aren't sure, then you haven't taken one, so answer no.
3. Why on-line?? If you don't know the answers, how can yo uanswer the questions CORRECTLY?? On-line services don't usually talk BACK nor do they explain coverages to you properly. There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued. Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators! Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem! Good luck, drive RESPONSIBLY and I hope this helps!
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