CEM Auto Insurance Review

Auto insurance shouldn’t be thought of as a luxury, it’s a necessity. If you own a car and are driving it around on the roads, you are obligated to have auto insurance to protect yourself as well as others. No one plans, or even wants, to make a claim on their policy, but almost everyone experiences some kind of auto incident at one point in their life which necessitates making a claim.

About CEM Insurance

The best way to make sure that you aren’t overpaying for your auto insurance is to do an auto insurance comparison search and find a selection of auto insurance providers who offer competitive rates. CEM offers insurance policies for individuals and businesses, but they do not offer auto insurance. They also do not offer home or life insurance policies as they prefer to specialize in other areas.

Founded in 1982, CEM Insurance Company (CEMIC) is located in Deer Park, IL and has a “very good” rating (B+) with A.M. Best. Initially they were a part of the Illinois Insurance Exchange (INEX) and later developed their own unemployment comp program for the non-profit sector. Their main focus is on liability insurance for professionals and non-profits. CEM does offer specialized insurance for used car dealers, liability insurance for construction workers, flood insurance and they’ll insure equipment that is leased.

In 2002 new owners took over the company and began to expand and develop its markets, products and licenses further. They focus on partnering with successful individuals, businesses and organizations and have a wide network of agents and brokers. Their management offer a combined one-hundred plus years in the insurance industry, helping you feel safe in choosing them for your insurance needs.

CEM Coverage Area
CEM has agents in twelve states plus Washington, D.C. including Illinois, Indiana, North Dakota, Arizona, Arkansas, North Dakota, South Dakota, Mississippi and Texas. CEM helps its customers to make sure their assets are covered properly through home or business policies or general umbrella insurance.

For used car dealers in Texas, CEM offers insurance covering or to protect against the following:

• garage keeper’s liability
• medical payments
• dealers physical damage
• uninsured motorists
• personal injury protection
• commercial property damage
• false pretense

Five Tips for Choosing Insurance Providers

1. To insure a higher quality of customer service, choose an insurance company that has representatives in your town. This way you can meet face to face to discuss the policy and other issues. Also when you make a claim, you’ll be dealing with someone you know and who treats you like a person rather than just a number.
2. Always do an online comparison by simply putting your zip code into a search box. In minutes you’ll find several choices to look into. Don’t just blindly choose the one with the lowest price automatically.
3. Delve further into their auto insurance rate quote to see if they offer discounts that you qualify for. You could end up saving more by choosing a provider who has a higher up front cost, but offers more discounts, than one that looks cheaper at first glance.
4. Combine all of your insurance policies with one provider. This often results in a nice discount for you since the company is gaining more business without much extra work or cost on their part. Also you’ll save time and hassle by having to deal with just one company rather than three or four different ones, all who may have different policies and processes when it comes to filing claims.
5. Raise your deductible to get a lower premium. Once you know how much you are saving from this, and other discounts, put that money aside in a savings account and call it your auto insurance emergency fund. Then if you have a small fender bender that can easily be fixed or isn’t high enough to be covered, you have money set aside and you won’t be filing a claim, which could cause a rate increase in the future.

Four Discounts to Ask About

1. Safe Driver discount (if you’ve not filed a claim in five years)
2. Good Student: If you have teens on your policy.
3. Military Discount: If you or your spouse is a member of the military.
4. Good Credit: If you have an exceptional credit score you might get a discount.

Always make sure to start your auto insurance search with a free online auto insurance quote to help you narrow down the search. Choose locally and ask about discounts in order to get the best auto insurance. While you might not qualify for every discount, even getting a few is worth your time in asking and providing any necessary documentation. A little time invested now, as you begin your insurance shopping process, could end up saving you hundreds of dollars each and every year.