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Monthly Archives: August 2012

Auto Insurance Websites: Be Careful, Most Are Unlicensed

Unlicensed Auto Insurance WebsitesPost Date August 31, 2012 – There are many auto insurance websites on the World Wide Web.  Choosing one where you shop and ultimately buy your car insurance policy from can be eye opening experience in 2012.  Although it’s very easy for me to endorse my company’s auto insurance websites; there’s one important issue you need to remember their licensed to sell you an auto insurance policy.  You may say; “what’s the big deal Mike”

“don’t all auto insurance websites have a license to sell auto insurance”?


It’s important you know the majority of auto insurance websites on Google, Yahoo, Bing and the other popular search engines are unlicensed and it’s absolutely illegal for them to sell you a car insurance policy. To help you navigate through all the auto insurance websites and choosing where to buy your auto insurance policy.  I will also discuss in this post particular points which you must bear in mind in choosing an auto insurance website to cover your car or truck.

Does your Auto Insurance Website Have A License

It is important to buy an auto insurance policy from an auto insurance website which is licensed to operate in your state. In order for an auto insurance website to be licensed, they must maintain a Property & Casualty Insurance License.  The license is the same in all 50 states.  What’s the purpose of an auto insurance website being licensed, consumer protection.  Consumer protection is vitally important in the insurance industry.  Since the auto insurance industry is regulated by your state government; it is only through your state’s Department of Insurance  you can obtain help in the event a problem arises with your auto insurance policy. Knowing whether a particular auto insurance company is license in your state is not easy. The easiest way is by simply contacting  the toll-free number of your States Department of Insurance or Insurance Department Website.  We are in the process of developing a new reference page which will list all 50 Departments of Insurance.

Price Factor

Aside from ensuring auto insurance websites are licensed in your state, you must also be critical to their price quotations as insurance prices greatly varies from one site to another. If you are shopping for an affordable auto insurance premium, or a policy to help you with a specific driving record – please shop around. Requesting an auto insurance quote can easily be done by visiting many different websites or those auto insurance websites which represent many different auto insurance companies.


Knowing that the insurer you chose is licensed in your state and that they offer the lowest insurance rates may not be enough. You also need to make sure that particular auto insurance company is financially solid so as to be assured that they can aid you when time comes. Knowing whether an auto insurance company’s website has good reputation can be done by knowing their insurance rating. This is easily investigated by researching the auto insurance company in rating publishers like A.M. Best.  These different independent rating agencies look at how long an auto insurance has been in existence and how much money they have on hand to pay claims.


Michael E. Dortch
President &  Managing Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 602


Michigan Auto Insurance: What To Know About Your Car Insurance Policy

Post Date August 30, 2012 –  Anyone whom wants to register a car or light truck in the State of Michigan is required to purchase Michigan Auto Insurance.  I know my Blog Posts are not the most interesting.  Although I have outlined the auto insurance requirement in many of our US States; I really can’t… Continue Reading

NJ Auto Insurance Rates For Teen Increase After Texting Accident

Post Pate August 28, 2012 –  A New Jersey teenage driver who was texting while driving his car caused two people to suffer greatly after his negligence caused a serious at fault accident. The teenage driver whom struck and injured a couple on board their motorcycle had a multi-million dollar lawsuit filed against him and… Continue Reading

New Jersey Car Insurance Policy No No’s!

Post Date August 27,  2012 – Anyone whom follows my daily Blog knows I’m committed to a wide range of state specific auto insurance subjects including New Jersey Car Insurance stories.  Although I have Blogged about what is included in a New Jersey car insurance policy, it’s important I point out what a New Jersey… Continue Reading

PA Auto Insurance Rates And Rating Factors

Post Date August 26, 2012 – PA Auto Insurance Rates use many different factors to determine a drivers final premium.   These rating factors are then calculated and applied toward  a group of drivers whom share similar rating characteristics. Pennsylvania Car Insurance Companies then set PA Auto Insurance rates for that group based on the… Continue Reading

New Jersey Auto Insurance Options

Post Date August 25, 2012 – New Jersey Auto Insurance Options and additional car insurance coverage can easily and inexpensively improve a standard auto insurance policy.   New Jersey Auto Insurance Options add the value other than those required by law in the state of  New Jersey.  The State of New Jersey, specifically the NJ Department… Continue Reading

Commercial Auto Insurance Is Much Cheaper

Post Date August 24, 2012 –  There’s a common misconception among those intending to start a business.  For some reason most people feel Commercial Auto Insurance is more expensive than a standard auto insurance policy.  The truth is commercial auto insurance is cheaper. Regardless of who you are or where you live, everyone needs to send… Continue Reading

Auto Insurance Rates In New Jersey Fraudulently Obtained

Post Date August 23, 2012 – After submitting an initial fraudulent insurance application, continuing the ruse through nearly a decade of renewals to obtain lower auto insurance rates in New Jersey , a  New York City businessman was arrested and arraigned last week. Scott Sanders, an operator of  large fleets of commercial vehicles is being accused of… Continue Reading

Who’s Getting The Lowest Auto Insurance Rates In Ohio?

Post Date August 22, 2012 –  The lowest Auto insurance rates in Ohio are calculated in the same way car insurance premiums are set in any other state, city or town.  Risk factors that insurance companies use in determining auto insurance costs for a particular consumer first start with the place where he/she lives and… Continue Reading