AARP car insurance is ideal for most car users as it has different plans that can provide benefits in multiple ways. The advantage plus package is one of the highest-rated of the different plans offered by the AARP. The basic AARP car insurance has a variety of benefits itself, but with the advantage plus package, you just add a new range of benefits to the existing ones. The basic AARP car insurance gives you a new car replacement coverage, lifetime car repair assistance, 24/7 hotline, RecoverCare, 12-month fixed rate and lifetime renewability. Following are some benefits of the advantage plus package.
First accident forgiveness
The AARP car insurance understands that everyone is entitled to make a mistake, once in a while, and they are willing to forgive that mistake. If you are entitled to the first accident forgiveness, then you will not be affected by the first accident. You will not see any changes in the premium of your car insurance. To qualify for this benefit, the car driver must have a clean driving record for five consecutive years.
Disappearing deductible for auto insurance
A clean driving record can impress your car insurance company significantly, and you will be awarded for it. The disappearing deductible benefit of the advantage plus package brings your collision deductible down a certain amount every year. If you have a clean record for a long time it can also come down to as much as $0.
One deductible
With the “one deductible” feature of the advantage plus package, you will be paying only for one deductible if two of your vehicles, covered under the AARP car insurance, are damaged in the accident. You will pay the deductible among that is higher. This benefit is also applied to the combination of a car and home insurance. If you witness damages to your home and car, you will only have to pay one deductible; again, whichever is higher.
Waiver of deductible
This is one of the most engaging features of the advantage plus package. In some accidents, it is not your fault. If you are involved in an accident, and you are not at fault, your deductible will be waived off. However, this is only after an inspection by the AARP car insurance company, and it is not available in all states.
There are companies that work on collecting and maintaining credit information of consumers. These are known as credit reporting agencies (CRAs). There are three such major CRAs in the country, namely Equifax, Experian, and TransUnion. Apart from these, there are other smaller-scale agencies too that specialize at the job. If you’re worried about “where to get my credit score?,” the larger CRAs are the most reliable bets.
These major CRAs obtain information from companies that you hold business and transactions with. People or companies that lend you money regularly report to these CRAs on your repaying status. There is also detailed information on the amount you are indebted and whether you have ever defaulted on your payments. Aside from the reports obtained from lenders, these companies also tally your general records based on certain other aspects. Some of these aspects are your public records from the local and state judiciary. These include your tax records and bankruptcy information. This information makes up an important chunk of your credit score and its report.
Equifax
Present in 24 countries, Equifax is an agency that offers consumers protection against identity theft and credit fraudulence. They also sell credit reports and credit monitoring assistance to businesses.
Experian
Experian started off in London and is now a trusted agency in 39 different countries. It provides you with a credit score, credit report, and even credit tracker on subscription. The agency uses FICO 8 system of credit score calculation. Experian was a part of Forbes’ “World’s Most Innovative Companies” in 2018.
TransUnion
Based across 30 countries with a database of over 1 billion consumers, TransUnion is another CRA giant. The agency, like the other ones, will provide you with your credit score and your credit reports. In case you decide to freeze your TransUnion credit report, it will also go the extra mile to notify Equifax and Experian, which frankly is a big help especially in case of identity theft and credit fraud.
So, the next time you are sat wondering “where to get my credit score?,” think of these three giants that provide you with an annual credit score and credit report for free once each year. However, if you are looking for more frequent updates, you can subscribe to their services and receive your monthly updates.
Did you know that you have more than a single credit score? Agencies calculate your credit score based on the data in your credit reports. If you are wondering, “where to get my credit score?,” there are three main credit reporting agencies. These can have different credit scores for you if your information on each of their credit reports is different. Also, these agencies charge a fee to reveal your credit score.
Recently, it has become easier to track and get hold of your credit score without paying any fees. You can get it from your credit card company, your loan provider, and even from a non-profit counselor. Here are a few tips you can use to check your score.