Get A Free Insurance Quote
Do you want something free? Do you want something free that might save you even more money? If so, then get a free insurance quote from Insurance Doctor. Within just a few minutes we can provide you with a fast and competitive insurance quote for your vehicle.
At Insurance Doctor, we understand the hassle of shopping for car insurance. That’s why we research companies to find great rates and coverage for you. Our job is to find you the best automobile insurance coverage for the best possible price. And it doesn’t stop there. In order to keep the price as low as possible on your policy, we are continuously watching changes in the insurance industry.
Getting a quote is free and it’s easy. Request your quote either online or over the phone. In most cases, we can provide you with a quote in less than five minutes and sometimes it’s even faster on-line. Let Insurance Doctor do the work for you!
Click here for your free quote:
- Published in Automobile Insurance
Your One Stop Shop For Insurance
It is unusual this day and time to find an insurance company who can handle all of your insurance needs, but it is possible. Insurance Doctor provides great rates and coverage for the insurance you need when you need it.
Insurance Doctor offers insurance coverage for:
Automobile Insurance
Homeowner’s Insurance
Motorcycle Insurance
Renter’s Insurance
Our goal is to find you the best insurance coverage possible at the best rates. To do this, we shop multiple companies looking for great rates and coverages that best meets your needs. We do our research and spend the time on the phone, not you, finding you the best possible deal.
We make it easy. Either come into one of our offices in Virginia or North Carolina or request a free-on-line quote. It’s that easy! Call Insurance Doctor today to get your free insurance quote for all of your insurance needs.
Child Safety In The Car
At Insurance Doctor, we understand the importance of car safety especially when it concerns children. Here are some important reminders when it comes time to travel with children in your vehicle.
Always insist that your children buckle up. Children are too young to understand the dangers of not buckling up. Refuse to start the car until everyone has on their seat belt. Remind them throughout the trip the importance of keeping on their seat belt and do not allow them to unbuckle until you have stopped the vehicle and turned off the ignition.
Make sure there is an appropriate restraint for each person in the car whether it is a seat belt or a child restraint seat. A child car seat should fit the child’s size and weight. Children grow quickly so check periodically to make sure that it is properly fitted and adjusted correctly.
Never let your school aged children ride in the front passenger seat. While air bags are designed to keep you safe in case of an accident, they can be life threatening to young children because of the force of their deployment. If you are parked in a road-side parking space, assist your children in and out of the car using the rear curb side door. This keeps them away from on-coming traffic.
- Published in Road Safety
Stay Safe When Driving Your Motorcycle
The beautiful sunny weather is almost here to stay, and if you own a motorcycle you are just itchin’ to get out and ride. But before you do, remember these six motorcycle safety tips from Insurance Doctor to keep you safe on the road:
1. Always Wear a Good Helmet – When you purchase your helmet, make sure it has a sticker showing that it meets current safety standards. The best protection to protect your eyes and face is a full-face helmet that has a built-in face shield.
2. Make Eye Contact with Drivers On the Road – Don’t assume other drivers can see you. If you can make eye contact with drivers who may be about to pull into your path, you will be safer.
3. Wear Protective Clothing – Make sure you wear protective clothing that is designed for motorcycle riders. It is made to provide protection during a crash, as well as keep you safe from flying debris.
4. Use Caution In the Curves – A lot of motorcycle crashes occur in the curves of a road. To stay safe, slow down before entering a curve and choose the correct lane position.
5. Watch Out For Hazardous Road Conditions – Wet roads, fluid spills, sand, gravel, and potholes can reduce your traction on the road.
6. Take Steps To Remain Visible – Wear bright colored, reflective clothing. Keep your headlight on whenever driving your motorcycle. Ride in the lane position where other drivers can easily see you at all times.
- Published in Road Safety
What Happens If You Are Late Paying Your Insurance Premium?
Yikes! What happens when you miss an insurance payment? Will your policy be canceled? You should check your personal auto policy section regarding termination and cancellation conditions. It will explain when, how, and for what reasons your personal insurance coverage will be terminated.
Every state has its own rules regarding policy cancellation of your automobile insurance. If you neglect to pay your premium in a timely manner, your insurance company has the right to cancel the policy after giving you at least 10 days notice. The notice of cancellation will be mailed to the policy holder with the date and time that the cancellation will take effect. Even if you are only one day late with your payment, you run the risk of cancellation.
That being said, some insurance companies may not immediately issue a cancellation notice. You may simply receive an overdue notice, asking you to pay the past-due premium plus a late fee. If you policy is cancelled it may be possible to have your coverage “reinstated” by paying the overdue premium and, in some cases, an additional sum.
Contact Insurance Doctor if you have questions about the cancellation policy on your automobile insurance policy.
- Published in Auto Insurance Premiums, Automobile Insurance
Are You Getting The Good Student Discount?
Are you taking advantage of all the discounts possible on your automobile insurance? Most vehicle insurance policies offer a good student discount to young drivers that can lower your family policy. The definition of a good student is different from one insurance company to another but it basically is a student who ranks in the upper 20 percent of his or her class, and makes honor roll at his or her high school or university.
Studies have shown that there is a correlation between good students and good drivers. Students with higher grade point averages have a tendency to be more responsible when driving an automobile. The discount will probably vary from one insurance company to another, but you should ask if you are eligible to receive that discount on your policy.
Call Insurance Doctor if you have questions about your auto insurance policy and possible discounts that you should qualify for. We will work to find you the best policy at the best possible price.
- Published in Auto Insurance Premiums, Automobile Insurance
Are You Saving The Most On Your Auto Insurance?
Have you looked at your auto policy recently? Sometimes it pays to review your policy periodically to see if you are missing out on any possible deductions. Review this list and if you can answer yes to any of the questions you might be eligible to receive a reduction in your insurance premium.
1. Do you have a good driving record?
2. Have you had the same auto insurance policy for six or more consecutive months?
3. If you own multiple cars, are they all covered on the same policy?
4. Have you ever taken a defensive driving course?
5. Is your car equipped with a car alarm?
6. Do you own your home?
7. Are you married?
8. Are you currently paying for your car insurance premium in multiple payments?
9. Do you carpool or take steps to reduce the amount of miles you drive?
10. Is your automobile equipped with anti-lock brakes and/or air-bags?
11. Have you recently had a birthday?
12. Has it been longer than three years since you had a traffic violation?
Call Insurance Doctor if you have any questions about saving money on your automobile insurance.
- Published in Automobile Insurance
Motorcycle Insurance – Accessory Parts Coverage
Accessory parts coverage for motorcycles, also called custom parts and equipment (CPE) coverage, covers equipment and accessories added to a motorcycle after it has left the factory floor. In case of an accident, this coverage will replace items not included as standard by the motorcycle manufacturer.
Examples of motorcycle accessories include, but are not limited to:
Radios, CB’s, antennas
Custom seats
Motorcycle trailers and luggage racks
Sidecars
Fairings
Sissy bar
Safety guards
Highway pegs
Crash/Roll bars
Plow and mower blades
Trike conversion kits
Custom paint, plating, and exhaust systems
If you have a lot of accessories on your motorcycle, you should seriously consider custom parts and equipment coverage as part of your motorcycle insurance coverage. For information about this coverage and other motorcycle insurance questions, call Insurance Doctor.
- Published in Motorcycle Insurance
Liability Coverage – Loaning Out Your Car
It is important to understand all the different components of your automobile insurance. What happens if you allow someone else to drive your car and they have an accident? Will they be covered under your insurance policy?
Most insurance coverage is protection for the car, so, yes, if another person drives your car, he or she should be covered under your policy. With that said, that person should be defined as an occasional driver. Insurance companies base your premium on your car, but also on the “primary” driver of that vehicle – and that should be you. If the primary driver of the vehicle changes, you should report that to your insurance company and have that individual added to your policy. If your car is involved in an accident and the insurer believes that you are no longer the primary driver, your insurance company could deny your claims.
Contact your automobile insurance company if you have questions about your coverage or the rules of your policy pertaining to people that borrow your car.
- Published in Auto Insurance Premiums
New Employment Opportunity
Employment opportunity: We are looking for an agent trainee or a licensed P&C agent in our Cary, North Carolina office. Excellent sales, multi-tasking, and customer service skills could land you this exciting opportunity to join our team. Must have at least 1 year customer service experience; bilingual a plus! If interested, please fax your resume to 866-901-0471or email us at careers@myinsurancedoctor.com.
- Published in Uncategorized