Securing Your Future, Your Automobile, And Your Savings

If job loss has you debating whether or not you should purchase a new vehicle and search for car insurance quotes, automobile makers are presenting you with a benefit: car buy back. But before you pass on this chance, why don’t you take a look at what it has to offer. Also, you should look into a quick insurance quote comparison from multiple companies to cover your new vehicle.
What is car buy back?

According to CNNMoney.com, car buy back is a payment protection plan that some automobile makers are giving to drivers who purchase vehicles from them. Depending on the terms and conditions of your car buy back plan, you can return your vehicle to the dealership and walk away without any obligation to your loan agreement, if any of the following affects with your ability to keep up with car payments:

* Involuntary job loss
* Personal bankruptcy, if you are self-employed
* Overseas transfer
* Accidental death.

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Why have automakers created car buy back protection programs?

No thanks to the recession, job loss is a common occurrence nowadays. More people are getting laid off, and it's hard to find employment elsewhere. With uncertain futures, many consumers are reluctant to buy a product, unless there is some guarantee that it won't negatively affect their budgets. Some automakers have realized this and created car buy back plans. Car buy back plans alleviate any worry over life-changing events that the consumer may have upon the purchase of their automobile.
Which automobile makers have car buy back programs?

While some automakers’ buy-back programs expired, there are still a few corporations promoting it. Hyundai, for example, has a car buy back program called the Hyundai Assurance. According to their website, motorists who experience job loss within a year’s time since they purchased a Hyundai vehicle can return it to the dealership. Once returned, the car buy back plan permits Hyundai to pay the customer the difference between the car’s trade-in value at the time a claim was filed by the owner and whatever balance is left on the loan. The car buy back plan allows the automaker to pay out to a maximum of $7,500.
Is car buy back better than other incentives and promotions offered by automakers?

That depends on what you are looking for. Just like each car buy back deal varies between different automakers, incentives and promotions vary as well. However, you should ask yourself these questions before you purchase your car and shop for car insurance quotes:

* Am I financially stable enough to afford a car?
* What is the guarantee that my future is secure?
* How much money am I willing to put down on a car?
* Do I have to make additional payments for a car buy back plan?
* How much auto insurance am I planning on buying towards my new vehicle?
* Will I be able to find cheap car insurance quotes?

Search For Car Insurance Quotes For Further Protection

Once you purchase your vehicle and decide if car buy back is right for you, there is a chance that you live in a state where auto insurance is required – it’s the law in most states. Therefore, shop online for insurance quotes using our online quote forms and get the best coverage possible at a cheap rate to further secure your future and your finances, since it will reduce the chances of you returning your car. And remember that car buy back protection plans can save you a world of trouble in the future – and even your wallet, too.

Best car insurance for risky drivers

If other auto insurers won't accept you because you've had wrecks or tickets, experts say you might try State Farm. It's the biggest auto insurer in the U.S. and Canada, and although it doesn't offer the lowest prices, reviews say State Farm is more likely to take a chance on a higher-risk driver than a top-rated small car insurance company like Amica Mutual. Unlike Amica and a lot of other insurers, State Farm still works through local agents -- but reviews say some agents are better than others. State Farm gets its share of complaints about poor customer service and wrongfully denied claims. However, it gets better reviews than other mega-insurers like Allstate.

J.D. Power and Associates offers easy-to-read charts showing how State Farm stacks up against more than two dozen other auto insurance companies, based on customer surveys. Consumer Reports conducts its own surveys and puts out a similar chart, but the report is only available in a back issue of the magazine (you can't read it online). The Better Business Bureau and the National Association of Insurance Commissioners evaluate State Farm based on consumer complaints. Epinions.com offers a wealth of consumer reviews, positive and negative. The American Association for Justice, a trial lawyers' group, includes State Farm in a list of America's 10 worst insurance companies– in a study that includes lawsuits and news reports. There are no good insurance companies identified, however, to lend balance to the study.

Dump Truck Insurance

You keep an eye on the weather. You check the overhead clearance. You make sure your dump truck is as level as possible before dumping a load. Your truck is your business — and you need to keep it well maintained. For aggregate haulers with dump trucks, sand and gravel haulers insurance is yet another worry when you've already got enough on your mind.

At Progressive, we work hard to provide the best insurance for sand and gravel haulers because it's not just about protecting you or your dump truck - it's about protecting your business and livelihood, and it’s about peace of mind.

Basic Dump Truck Insurance

If you're an aggregate hauler who is leased to a motor carrier, then your motor carrier may provide Primary Liability Insurance coverage for your dump truck while you're on the job. Likely, you need to find your own Physical Damage Insurance (covering damage to your vehicle) Check out the independent owner operator trucking section to learn about Physical Damage insurance for your dump truck as well as insurance to protect you when you're driving off the clock.

If you're a motor carrier operating under your own authority, then you need full coverage insurance. Check out the motor carrier insurance section to learn about the full range of dump truck insurance coverage that we offer to protect you, your business, and your truck.

Motor Carrier Filings for Dump Truck Operators

If you're a motor carrier, then you operate under your own authority. Motor carriers usually need some type of financial responsibility filing along with commercial truck insurance. Progressive can help you out. When you choose Progressive’s sand and gravel haulers insurance for dump trucks, we'll even file most federal and state filings for you.