Stay Legal and On the Road With Auto Insurance Quotes

Driving without auto insurance is just a bad deal. You are not driving legally when you do not have insurance. And, worse yet, if you get into a wreck you could lose your car, your income, and even have to file bankruptcy. It happens to hundreds of Americans every day. There is no need to risk having this happen to you when you can easily get an affordable insurance quote.

There are many reasons that people go without auto insurance. Some people believe that they will never need it, but in reality it is legally required. You can get into a lot of trouble if you get pulled over and cannot produce proof of insurance. At the least you will get a traffic violation that will take points from your license and cost you a fortune. At the worst, if you have multiple offenses, you could lose your driver’s license for a year or more. Other people just feel that they simply cannot afford it. Yet, if you cannot afford auto insurance, you cannot afford to drive. It is as simple as that. But, to help you out, you can look online for cheap auto insurance quotes.

One way to get cheap auto insurance quotes is to go online to a website that offers multiple quotes with one form. You simply enter your information one time, and it is sent automatically to multiple insurance companies. These websites allow you to get many insurance quotes at one time so that you can compare them and find the cheapest rate for legal insurance. Because these websites deal with multiple companies, you can search across the board for the cheapest auto insurance without hunting all over the net and entering a ton of quote forms.

Of course, these quotes may be more or less than your actual premium based on your driving record, obtained after you choose a company. It is important to be completely honest when you are getting an insurance quote for your automobile so that the quote will be as accurate as possible. You should also make sure that you disclose any traffic violations, license suspensions, or lapses in insurance, as these can also make a difference in your premium amount. All of this is important to get an accurate quote from these websites.

Once you have these auto insurance quotes at your disposal, you can determine which one is right for you. In most cases, that will be the cheapest quote provided. You then go to that company’s website and enter in additional information about yourself. Your license records will be pulled, and you will be given a final quoted amount. This will be your premium. If you feel it is too high, you can always go back and try another of the insurance companies on the list. In the end, you should wind up with automobile insurance you can easily afford. After all, you can afford insurance much better than you can a ticket or, worse, paying all of the expenses for a wreck.

Differences Between Pre-Paid and Legal Plans

It is not uncommon to see the terms “legal plans” and “pre-paid legal services” used interchangeably. While they share a lot of characteristics in common, there are a number of differences you should be aware of.

Both of these terms refer to an arrangement whereby you pay a fixed monthly or yearly fee in exchange for legal services. The idea behind them is to save consumers on high legal fees whilst offering a valuable service.

That’s where the differences lie: what kind of service is offered and what is covered. What are you entitled to in both schemes?

Pre-paid services cover for specific legal services: free phone
consultation and advice, drafting of simple wills and trusts, review of sample contracts and writing of letters on your behalf. Legal services not provided will get charged at regular attorney fees, but you may be eligible for discounts.

Legal insurance, by contrast, works much like other insurance plans, like health or car insurance. Although specific legal services are offered at times, your insurance provider will typically offer a policy that covers for all legal services. The policy will pay on behalf of you, the policy holder, or reimburse all expenses, costs or fees that you pay for legal services up to the policy limit. For instance, your policy might reimburse
any fees incurred in your court judgments or pay your bail money – a service not provided by most pre-paid legal plans.

Your legal insurance is also pegged to other insurance policies you may already have. If you run into legal problems involving your other insurance, then your legal insurance policy will protect you against loss or liability. For instance, if you are involved in a car accident when your auto-insurance has already run out and you are subsequently sued for recovery of damages, you will be protected by a legal plan insurance.

The other difference between the two schemes is related to your choice of attorney. In a pre-paid legal service, you get to choose from a restricted number of the attorneys in the network. By contrast, a legal insurance plan provides legal coverage regardless of attorney. You are free to set up interviews with any number of attorneys and choose the ones you think will
provide the best service for your personal legal needs.

Finally, pre-paid legal plans are much more accessible to the general public. Legal plans are harder to come by as only a limited number of insurance companies offer such arrangements.

Pre-Paid Legal Services – Do You Need It

There are a variety of plans from different companies for individuals or businesses. Usually you can call a legal firm selected by the plan for questions and legal advice on issues and important decisions. The plan will often cover a set number of legal calls and letters on your behalf. The provider may also do document review. Some plans will include will preparation and or trial defense service. IRS audit legal services are another common benefit. Some plans also cover services to help with identity theft issues.

I am an insurance agent in Texas. I sell Pre-Paid Legal Services, Inc. legal insurance. I also have a family plan that I purchased from them. The few times that I have used their services they have done a good job for me. When I have called the designated law firm a secretary has taken brief information about the issue. Then an attorney calls back in about one or two hours to consult. Two times I have requested a letter to be written to the opposing party. Both times I was impressed with the quality of their work and the letters were effective.

Should you get a per-paid legal policy? In my opinion you should consider it if you will make use of the service. How many times have you had a legal question and not consulted with an attorney because you didn’t want to pay the cost? If you will make use of a legal plan it can be very cost effective. Also consider the big cost you would have if you have to defend against a suit or criminal charges. Is that something you would like to insure for?

If you do decide on a plan, shop around for the program that is the best fit for your needs. Make sure you read the plan details and have your agent explain any items that are not clear. Texas residents can contact me at www.farmersagent.com/glamb or www.insurance-for-texas.com for more information.

Have You Heard About The Prepaid Legal Systems?

Prepaid legal systems have been around for more than four decades and millions have joined these programs and benefited from it. Yet the majority of folks out there don’t have a clue of what these are. The fact is around seventy percent of households were in a situation where they needed some legal advice or service. These folks were not able to exercise their rights because they were not able to afford even the initial lawyer consultation. Let’s get a closer look at these promising prepaid legal systems that has the capacity to solve this problem.

Prepaid legal system is similar to your health insurance plans, you prepay a preset membership fee and you get access to a preset plan benefits. This is typically offered for groups of employees or unions. The employer deducts the cost from the payroll like how they do for the health insurance. There are many plans open for public membership. You should understand that access to legal system is your birth right. The legal system is a complex beast which has gotten to that complexity due to the abuse it took over years. Every hole that was exploited needed to be plugged and the complexity increased multifold. It is this complexity that makes it hard to know what rights you can exercise, what forms to use to resolve problems. This is where these prepaid systems excel.

There are tons of different plans offered by these prepaid legal plans. These plans could cover as little or as much based on where you live and who lives around you. Puzzled, you should be. The plans are based on the lawyers of each locality. The number of specialized services offered is directly proportional to the capability of the lawyers who have signed up in your locality. Hence it is absolutely mandatory that you evaluate the experts you get access to, if you join the plan. These are typically monthly payment with a yearly commitment or sometimes with a money back timeframe. What these plans offer is peace of mind for some but for some this is an unnecessary expense. If you are in a job prone to frivolous cases and prone to consumer complaints this is going to be very useful. Or if you are in heady waters in a troubled relationship then chances are you may need cheap access to initial lawyer consultation now and then.

There is always the other side of the coin, sometimes it happens that these services offer absolutely no to minimal support for specific cases. It is highly important that you exercise your probability knowledge in here to evaluate if you need to signup for these plans. I have seen a lot of complaints in the Internet where people feel they have wasted their money by subscribing to these services. Well think about the car insurance plans you have. How many times have you gotten back what you have paid, it is the probability that keeps a very huge industry alive and well. Atleast I am in the camp for now who is happy that I have not asked for money back from the car insurance companies :-). I know of a friend who lived happily with nothing to worry and then one day he bought into a scam through eBay now he is finding all means to get a refund of the thousand dollars he paid the scammer. He is now a person thinking about how to get justice and his money back. These services provide you the much needed initial consultation and give some good discounts for access to lawyers.

I think this article would have given a good start to understanding the prepaid legal systems. And I hope you would start evaluating whether these systems suit your lifestyle and decide if it is a necessary “legal insurance”.