Hallmark Personal Lines is a personal lines carrier offering competitive rates, affordable payment plans and flexible coverage options for personal auto and renters insurance. We are focused on enabling our distribution partners with best-in-class customer solutions, pricing and data technologyAll of the Hallmark products are sold through independent agents in the states they cover.
Coverage options can vary by state, however, all products are specifically aimed at the needs of the non-standard market.hallmark auto insurance Hallmark can help drivers and homeowners who have been turned down by other insurance companies to get covered.
Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.
Cheapest might not mean best. Will they pay out if you make a claim? How financially secure? How reputable? Check around with family and friends, and look for online reviews.
Get multiple quotes – use the internet and call a few brokers. It’s easy to gather some good comparison quotes.
- Different type of car
Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you’re planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.
Luckily I checked the auto insurance before I bought it, because I couldn’t get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.
- Age and Value of Car
- Multiple Insurances.
Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim!
Maybe you’re buying a used car? Maybe your car saw better days a few years ago, and now values much lower? So why pay for high-priced auto insurance? In particular, do you still need fully comprehensive coverage?
This might mean multiple vehicles, or homeowner and auto insurance.
- Higher deductibles (excess charges).
A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you’re quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.
I guess this might come under the ‘Get Multiple Quotes’ heading, but it’s still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.
Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.