Car Insurance: 2014

Tuesday, December 9, 2014

Insurance Adjuster Secrets - 5 Simple Strategies They Use Against You!

What are the best insurance adjuster secrets can you give me? One of my readers wrote... the answer is not a simple one since there are many different types of strategist out there to get you to settle for less. Since we can be talking about property damages, wage loss, pain and suffering, total loss, rental cars, and many other types of claims, I will give you the most common insurance adjuster secrets and techniques use when negotiating in general. The ones the insurance company taught me when I was working for them.

Playing musical chairs - A very common technique. Adjusters love to "change", "reassign" or "exchange" claims among them. Many times the adjuster supervisor steps in and re assigns the claim. This makes you renegotiate settled points. Dealing with new adjusters helps the insurance company isolate different issues. Joe will settle the total loss, Ben will settle fault, and Karen will settle the injury. This way, insurance adjusters can "throw" the ball among them, and they do not have to give you a straight answer. "Well sir, I think the answer is A, but you need to talk to Ben about that and he is out of the office for a week".
Changing the shape of the money - "I am very sorry that you had a headache and lower back pain for more than two weeks. That is certainly a shame. We only can give you, at the very most "$2,500" which can pay for a trip to Mexico for two. Why don't you treat yourself and take your wife in a nice Caribbean cruise?" This is very powerful. Adjusters do this every day and this one is only one of their powerful strategies. If the adjuster is settling a younger person, the offer would be $250 for an IPod or a PSP. This "helps" the injured party spend the money in their heads, and makes them want to settle. Remember, you are settling for pain. You want money, not IPods, Cruises, Laptops, or Video games.
Time of the day - Adjusters want to call you when it is inconvenient for you. Yeah, they want time to be able to explain their position, but not give you much time to rebut. They probably will hate me for revealing one of the most rude insurance adjuster secrets. They will call you at 7:30 A.M. when you are about to go to work. They want to put pressure on you so you settle right there and then. It "helps" you think "I am done dealing with this people. I just settle and move on with my life". You can turn this one around. Call the adjuster just before their lunch hour or before they leave for a three day weekend. They want to get out of the office and go home; you can get a better offer if the adjuster wants to go see their family.
Christmas is a wonderful time for Insurance Companies. Every one seems to be broke right before or after Christmas. Even if you are not a Christian, it just seems that the retail industry is able to sucker all of us into spending more than we have. Consequently, most people are broke right about then. Insurance companies push adjusters (I was one of them) to be more aggressive around this time of the year. They also apply this technique around other holidays. Think about it. You need money for the kids' toys? So Why not give in and settle for $1,000? Adjusters are savvy and this is a great time for them. Where I used to work, December and January were the best times to settle claims. Our success rate increased by 70%.
The Mute Button-one of the most powerful insurance adjuster secrets. I was trained to give an offer and hit the mute button. The rule was that we could not emit a sound after the offer was on the table. This often worked. You were ensuring that you would not make a second offer in the same conversation. If my offer was $10,000 then I wanted to hear a response. I did not want to say $10,000 but if you settle today $11,000. This would be considered bidding against oneself. Insurance adjuster will never (unless the adjuster is not trained correctly) give you two different offers in the same conversation. They will give you an offer and wait to see what you say. Use this against the insurance company. Counter offer and hit the mute button!

All the best,
Hector Quiroga

© Copyright http://www.auto-insurance-claim-advice.com/ All Rights Reserved.
Hector Quiroga has a high interest in helping consumers gain knowledge of the auto insurance claim process for both property damage and bodily injury claims. He covers in great detail what a car accident investigation entails and share many helpful tips for dealing with insurance companies and adjusters. Learn how to protect your interest by visiting Auto Insurance Claim Advice.

Article Source: http://EzineArticles.com/?expert=Hector_Quiroga,_J.D.

SR-22 Florida Auto Insurance Basic Information

SR-22 is not a type of Florida auto insurance. It is the name of the form used by auto insurance companies to certify compliance for persons required to maintain minimum limits of liability insurance. The SR-22 form is submitted by auto insurance companies to the Florida Bureau of Financial Responsibility for policyholders who are mandated to submit proof of liability insurance.
For most residents the minimum mandatory Florida car insurance, as indicated in the Florida No Fault Law, is $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability. Bodily Injury Liability indicated on an SR-22, in addition to the No Fault Law requirement, is for persons who meet certain criteria. Drivers who fail to provide proof of insurance after an accident, or accumulated too many points on their license, may require an SR22. Drivers with a DUI conviction require Florida FR44 insurance not an SR22.

Minimum Bodily Injury Liability limits to be in compliance with a Florida SR-22 are $10,000 per person and $20,000 per accident. A combined single limit of liability in the amount of $30,000 would also fulfill the SR-22 requirement. As of October 1, 2007 a driver convicted of operating a vehicle under the influence (DUI) will be required to secure higher limits and submit proof via an FR44 filing not an SR22.

The premium for Bodily Injury Liability insurance is the same from your insurance company regardless of an SR-22 filing requirement. The only additional cost to the insured for the SR-22, in Florida, is a $15.00 filing fee. However, drivers who are required to file an SR-22 generally pay more than other drivers for their insurance premium due to the reason for the SR-22, such as, an at fault car accident or a conviction for driving under the influence.

Once mandated by the Bureau of Financial Responsibility to have on file an SR-22, failure to do so may result in your driver license and or vehicle license plate being suspended. Reinstatement of your driver license and or license plate will only occur after certified proof of the required liability insurance in the form of an SR-22 is filed with the Bureau of Financial Responsibility. Reinstatement fees will apply in addition to the $15.00 filing fee. Forms SR-22 and FR-44 are submitted (filed) by the insurance company. The submissions are transmitted electronically and 15 days is the allowable time for the company to file after a policy begins.

Florida SR22 insurance is fast and easy with Florida Auto Plus Insurance. We quote the lowest rates from the best companies. Florida DUI insurance, made easy, is welcomed relief for anyone going through this experience. For additional helpful car insurance facts, quotes and information please visit our Website or call 1-877-WIZ-AUTO (949-2886).

Article Source: http://EzineArticles.com/?expert=Clifford_J_Schimek

Affordable Auto Insurance in Miami

If you're purchasing car insurance in Miami, you'll need to abide by all of the laws of the state of Florida. If you live in Miami or any other part of Florida, you'll be required by law to have auto insurance that's issued in the state, and have this all taken care of by the time you go to the DMV. Florida ranks high in its auto insurance rates, according to one Web site: at eighth in the state, its average combined premium is $1,148.30. Of that amount, $757 is the average liability premium, $280 is the average collision premium, and $111 is the average comprehensive premium.

Florida Minimum Requirements Apply
If you want to purchase the cheapest car insurance possible, then you'll want to stick with Florida's minimum requirements for auto insurance. Miami's premiums can be slightly more expensive than some other cities or rural parts of the state, but most of the requirements should be the same as in the rest of Florida. The minimum coverage for auto insurance Miami is 10/20/10, which means you're required to have a minimum coverage of $10,000 for bodily injury per person, $20,000 total bodily injury liability and $10,000 in property damage when and if a wreck occurs.

Factors Increasing the Auto Accident Risk in Miami
Miami may not be nearly as big as New York City or Chicago, but it's still a busy city and was ranked by a Texas Transportation Institute as the ninth most congested city in the nation. And despite a slumping economy in Florida, Miami is still a desirable city and it's growing. With a population of almost half a million people, it's one of the most urbanized cities in the U.S., following only New York City, Los Angeles and Chicago. The more congestion, the more irritable and impatient the drivers are, and the more accidents that can occur. Plus, the more cars there are, the higher the chance for an accident - even if all the drivers are patient. Another piece of bad news is that cities along the port tend to have a higher rate of auto theft - a reality that will raise your auto insurance. Miami ranks right up there with other port cities. Also in Miami, the number of drivers in town is higher than in many other cities, because it's a prime tourist destination. Tourists don't know the area as well, and those who drive while handling a map makes them even more accident prone.

Keeping Auto Insurance Miami Rates Low

The fact that Miami is high in auto theft doesn't mean that you have to be part of that negative statistic. Even though the premiums will be higher overall than in other parts of the state, hopefully your salary and opportunities will be higher as well. Make sure you lock your doors at all times, and consider purchasing some safety device that would make your car less prone to theft. If you live in the city, then consider trying to walk to work if it's safe. Otherwise try to live as close to work as possible - the less you drive, the less of a risk the insurance company considers you. Plus, the less you drive the lower your chances of getting pulled over or being in an accident. Other ways to reduce your Miami auto insurance include: raising your deductible, taking a driver's ed course, and owning a pre-owned rather than new vehicle. Sit down and talk with your agent about other potential ways to reduce your monthly premium.

Article Source: http://EzineArticles.com/?expert=Robert_McKnight

Cheap Miami Car Insurance

If you're looking for cheap Miami car insurance, you're definitely not going to want to purchase anymore than what the State of Florida has set as its minimum car insurance requirements.
Currently, Miami, Florida's minimum car insurance requirements are:
Personal Injury Protection (PIP): $10,000
Property Damage Liability (PDL): $10,000
However, Miami, Florida also has what's called bodily injury coverage (BIL). Up to the limits of your policy, BIL is coverage for any serious personal injuries or death you cause other persons due to a car accident that is your fault.
Sometimes, BIL will cover accidents caused by your or other members of your home, despite the car being driven, as well as covering you in the event that someone to whom you have given permission to drive your car has caused an accident.
The average, safe driver usually doesn't need to purchase BIL in Miami, Florida, making your quest for cheap Miami car insurance easier; however, sometimes you are required to purchase BIL if you have been charged with and convicted of certain motor vehicle-related offenses. Many Miami, Florida drivers may also have to purchase BIL coverage because they do not own their car out right. This means they have a lender, financier, or lien holder who has also invested in the car and requires the "owner" to purchase all available car insurance coverage. Always check with everyone involved in the purchase of your car, including the dealership, about your Miami, Florida car insurance requirements.
Regardless of how much insurance you do, or do not, have to purchase, there are always additional ways to get, and keep, cheap Miami car insurance. For example, keeping your driving record clean by avoiding traffic violations and accidents helps, as does adding safety features to your car. Plus, making regular, on-time insurance payments will prevent your car insurance policy from being cancelled, which always looks good should you choose to switch car insurance companies.

Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements

The best judge of Total Disability and/or Partial Disability is "Ole" Doc Comfort your attending physician. The Medical Report he executes for the insurance company you're battling with, Rock Solid Insurance Corporation, should always contain his comments regarding the nature of your disability. His diagnosis will be crucial to I. M. Smart, the adjuster assigned to handle your claim, because it will detail the duration of your "Pain and Suffering". In addition it will also prove the time you lost from work as being legitimate.
When settlement time arrives, Smart will form a healthy portion of his evaluation based on the documented proof of the length of time of each of the following two elements: "Total" and "Partial" disability - - the both of which will indicate how much they restricted your inability to work and also your social activities.
YOU MUST CONSIDER ALL THE POSSIBLE OPTIONS FOR MEDICAL REIMBURSEMENTS: Be aware that you may be able to collect from your own motor vehicle insurance carrier (via your "Medical
Payments" coverage) plus you may also be able to collect from your own health insurance policy or plan.
Yes, Rock Solid Insurance, in a clear case of liability (and as part of its settlement with you) will pay your medical bills. BUT HOW ABOUT YOUR OWN MOTOR VEHICLE POLICY'S MEDICAL PAYMENTS COVERAGE? You must read your motor vehicle accident policy carefully. It may provide you with coverage up to certain limits (one or two thousand dollars - - some a lot higher) for all the medical bills you had as a result of the accident - - regardless of who was at fault!
"Med Pay" is a separate part of your policy, which you pay extra for, but it's definitely worth it. Since you're shelling out money for this extra coverage you should consider taking advantage of what it offers.
The following people are usually covered under the Med-Pay provisions: You or any relative who lives with you (when driving or riding in your vehicle) plus anybody else who is driving with your permission (and also their invited "guests") who happen to be riding along with them in your car.
It may state in your policy that your insurance company has a right to recover the amount of the Medical Payments made to you should you (later-on-down-that-often-very-loooong-rocky-road) get paid for your loss by Rock Solid. But, even if you don't, you'll still be paid for your medical bills under the Medical Payments (Med-Pay) Coverage of your motor vehicle insurance policy without having to pay your insurance company back.
It's usually a practical move, to elect to file a claim with your own auto insurance company (under the Med-Pay Coverage) so you can be confident all your medical bills are paid in time. Otherwise, your medical providers may get upset because they'll have to wait far too long to be paid (somewhere down the line - - perhaps a year - - sometimes much longer) until you finally settle for your loss with The Rock Solid Insurance Corporation.
***** ***** ***** *****
YOUR OWN HEALTH INSURANCE POLICY/PLAN: There's another possible medical bill coverage for your accident - - and that's your Health Insurance policy or whatever Health Plan you may be under. If the Med-Pay provisions of your motor vehicle policy state that they must be paid back, should you collect from Rock Solid, you may find it more advantageous to file a claim under your Health Insurance policy or some other Health Plan. HOWEVER: You should check the wording in those policies very closely because they may NOT require you to pay them back for the medical payments they've made on your behalf - - even if you collect for your loss from The Rock Solid Insurance Corporation !
There's nothing wrong or immoral about collecting money from more than one source for the same medical bills. Think of it like a Life Insurance Policy. If an individual is paying premiums for three $10.000 Life Insurance Policies and they pass away, is the love-of-their-life (as the named beneficiary) entitled to $10,000 or $30,000? Indeed, because the premiums were paid on all three, that individual is entitled to a payment of $10,000 times three, or $30,000.
By the way, if Adjuster Smart happens to ask you if you have any such options, don't tell him. Whatever other insurance coverage's you have is your own business! It has absolutely nothing to do with the value of your claim, how much money you should be paid for your "Pain and Suffering", nor any other portion of your loss.
NEVER FORGET: You've already paid for these types of coverage and you're entitled to be paid under all your options for reimbursements - - even if that means you're paid by multiple sources for the same bills !
***** ***** ***** *****
DISCLAIMER: The only purpose of this article ~ YOUR PERSONAL INJURY INSURANCE CLAIM ~ SEVERAL CRUCIAL SOME "INSIGHTS" INTO MEDICAL REIMBURSEMENTS is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever; NOR does he purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Wherever such professional help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services.
Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga spent over 3 decades within the area of Insurance Claims, as an Adjuster, Supervisor, and then Manager. He was then promoted to Trial Assistant where he worked another 5 years on thousands of Insurance Claim cases. He has had 3 "How To" Insurance Claim books published, the latest being AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM. (How To Evaluate And Settle Your LOss).(EZINE ARTICLES = If you want one of these MUCH LONGER with much more depth please advise and I'll send it to you. Thanks.
Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or [http://www.caraccidentclaims.com]. This book explains, in simple language, “How To” handle your motor vehicle property damage and/or personal injury claim so you won’t be taken advantage of. It also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will explain how to determine the value of the “Pain and Suffering” you endured - - because of your motor vehicle accident injury!

Article Source: http://EzineArticles.com/?expert=Daniel_Baldyga

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National Bank Insurance Auto | Home and AutoGO.ca launch theft frequency estimator for used cars

MONTREAL , July 10, 2014 /CNW Telbec/ - National National Bank Insurance Auto | Home, the AutoGO.ca team and Adviso Conseil Inc. are delighted to launch a theft frequency estimator for used cars. This new tool unique to Quebec is aimed at consumers looking to buy a used car and is available online at AutoGO.ca.

The theft frequency estimator for used cars is a gauge that displays in a user-friendly way the national car theft rate based on data from the Insurance Bureau of Canada . The estimator enables consumers to see at a glance if the desired model is one of the most frequently stolen cars in Canada . This is important information that all drivers should consider when shopping for a vehicle. "Damage, such as theft, generally impacts the insured's premium. The theft frequency estimator gives consumers an additional tool to assist them in making well-informed decisions when managing their insurance budget. We are proud to help them with this," explained Dominic Caron , Marketing Manager at National Bank Insurance Auto | Home.

AutoGO.ca specializes in providing as much practical information as possible to make buying new or used cars easier. "We are pleased to offer this tool to our website users. This type of information supplements the test drive ratings and practical advice that our team of experts makes available to the public," highlighted Marc Bouchard , Editor in Chief at AutoGO.ca.

The estimator's simple design enables consumers to read it quickly and easily. "The theft frequency estimator for used cars makes it easier for prospective buyers to do their research by grouping relevant information in one place that can be accessed in a single click," explained Simon Lamarche , Partner at Adviso Conseil Inc.

About National Bank Insurance Auto | Home
National Bank General Insurance is a property and casualty insurance firm under the National Bank Insurance banner that provides direct access to carÂ and home insuranceÂ for individuals in Quebec . Through our Client Contact Centre, we receive and handle thousands of calls every day from consumers interested in a quote for their car and home insurance.

Visit nbc-insurance.caÂ for a free quote forÂ car insuranceÂ orÂ tenant insurance. For a home insurance quote, call one of our agents directly at 1-877-871-7500Â orÂ 514-871-7500. For more information, please visit nbc-insurance.ca.

About AutoGO.ca
AutoGO.ca, a TC Media brand, is an innovative automobile website that offers a unique approach allowing users to search for new and used vehicles according to their lifestyle (Family, Luxury, Sport, Eco, Couple or Student). AutoGO.ca is available in both French and English and offers a multitude of expert opinions, reviews and test drive ratings, all the while keeping consumers up-to-date on automobile news and the latest models and trends as well as providing safety advice.

About Adviso Conseil Inc.
Since its inception in 2002, Adviso's two visionary founders have always been committed to providing companies with strategic expertise for their web projects. Now a web marketing and strategy leader, Adviso employs over 50 specialists who work to guide clients towards the success of their web properties with a rigorous strategic method and results-based culture. Since 2011, Adviso has been recognized as being among the 50 fastest-growing companies in Canada in the prestigious Profit 500 contest. Adviso has completed projects for countless high-profile organizations such as Air Canada, National Bank, Uniprix and STM.

About National Bank of Canada

With $194Â billion in assets as at April 30, 2014 , National Bank of Canada (www.nbc.ca), together with its subsidiaries, forms one of Canada's leading integrated financial groups. The Bank has close to 20,000 employees and is widely recognized as a top employer. Its securities are listed on the Toronto Stock Exchange (NA.TO). Follow the Bank's activities via social media and learn more about its extensive community involvement at clearfacts.ca and commitment.nationalbank.ca.

SOURCE National Bank Insurance Auto / Home

10 reports your car insurance pulls about you

This post comes from Penny Gusner at partner site CarInsurance.com.

Car insurance companies donâ€™t like guessing games. When you ask for a quote, they want to know who you are and what youâ€™ve been up to. Fortunately for insurers, there are a lot of companies willing to help them.

Here are the most common reports used by car insurance companies to help determine whether they want to insure you and at what price. Some reports you can get yourself, and others youâ€™ll never see.

1. Insurance score

Your credit history is important to car insurance companies because itâ€™s a predictor of how likely you are to pay on time and make a claim. There are exceptions: If you live in California, Hawaii or Massachusetts, auto insurers canâ€™t use credit information to set rates.Â

A credit score typically takes into account your payment history, amounts owed, length of credit history, new credit and types of credit.

Insurers often pull a report called a FICO insurance score. You canâ€™t get your own insurance score, but your credit score generally mirrors your insurance score as it moves up or down. Therefore, monitoring your credit is important, because bad credit can bump you to a more expensive rate class for insurance.

Sites like WisePiggy.com (a sister site of CarInsurance.com) offer free credit score reports so that you can monitor your status.

2. Attract score

Another credit-based score comes from LexisNexis, a provider of risk and data information services. This is called the Attract Insurance Score and helps insurers judge your risk. Unlike a FICO insurance score, you can get your own Attract score for a modest cost.

3. Disclosure report

Did you give 100 percent accurate information to your car insurance company?Â If not, it will find out. Â LexisNexis offers insurers a report called RiskView that promises to provide a comprehensive view into a personâ€™s financial health. Not only does it determine your creditworthiness, but the report also confirms some of the information you have provided.

You can order this report from LexisNexis.Â It will include a RiskView Consumer Disclosure Report that contains public record information, including:

Personal identifying information
Property ownership
Deed ownership
Bankruptcy history
Criminal and lien data

4. Claims history

Thereâ€™s no hiding past claims against you, even if youâ€™ve never told a single soul about an accident.

Car insurance companies feed claims information into central databases. From this massive collection of information, insurers Â can request a loss report on an individual. Auto insurers regard your past claims activity as a predictor of future claims.

LexisNexis offers the C.L.U.E. (Comprehensive Loss Underwriting Exchange) report, which contains up to seven years of personal auto claims including your policy information, vehicle information, claim information, loss information and amounts paid. Â

Verisk, provider of services to insurers, offers a similar report called the A-Plus (Automobile-Propertyâ€‹ Loss Underwriting Service).Â You can order your own free copy once within a 12-month period from either provider.

5.Â Motor vehicle record

You may not remember the when or where of your traffic violations, but these details are pretty important to car insurance carriers.Â To double-check the information you provided when asking for a car insurance quote, insurers obtain motor vehicle reports (MVRs) so that they can assess your driving.

Car insurance companies use third-party providers, such as Verisk or LexisNexis, which have access to driving records from all 50 states and the District of Columbia, to obtain your driving record.Â You, however, can go straight to the source, your stateâ€™s Department of Motor Vehicles, and request a copy of your official record.Â A small fee is typically required.

6. Undisclosed-driver report

Maybe your nephew moved in and has been driving your car. Maybe you never mentioned it to your insurance company. Well itâ€™s only a matter of time before they catch up to you.

Car insurance companies want to know about all household members who are licensed drivers and potentially driving your car.

Both Verisk and LexisNexis offer insurance companies reports that uncover â€œhiddenâ€ or â€œundisclosedâ€ drivers living in your residence by cross-checking public records.Â One report keys in on young drivers between the ages of 15 and 25 who are newly licensed but havenâ€™t been disclosed. If a â€œhiddenâ€ driver of any age is found youâ€™ll likely be asked to add the person as a driver or exclude the individual if your state and insurer allow this option.

7. Current carrier report

When youâ€™re applying for auto coverage, a prospective car insurance company can find out how long youâ€™ve been with your current carrier or if youâ€™ve had a lapse in coverage. They access a report that identifies and verifies your current and previous insurance providers.Â

The report also outlines current and previous policy information including:

Policy period
Policy status
Cancellations, lapses and reinstatements
Coverage
Limits
Deductibles
Driver information
Vehicle information
Insurance discounts

8.Â Mileage reportÂ

The number of miles you drive makes a difference in how much you pay.Â To keep drivers from underestimating their annual mileage, insurance companies can use reports such as Veriskâ€™s MileageConfirm to verify mileage given by applicants or policyholders.Â The report provides details such as â€œannual mileage, commute distance and business use for accuracy, currency and legitimacy.â€

See what else makes your rates go up or down with CarInsurance.comâ€™s car insurance calculator.

9. Vehicle-registrationâ€‹ report

Your auto insurer may know more about your car than you do after it obtains a report that checks public vehicle and registration information.Â A registration report is originally issued by the DMV but both Verisk andÂ LexisNexisÂ offer the serviceÂ for insurers using the bulk data that it buys.Â The report normally details:

Vehicle make, model, year, body style and VIN
Name and address of vehicle registrant
Name of cosigner or second owner (if applicable)
Registration expiration date
Plate type (regular, vanity, commercial or dealer)
Leasing company name (if applicable)
If the vehicle has a branded title (salvaged, rebuilt, junked, flooded, or the like)

This report gives your car insurance company insight into your lapses in registration, shared vehicle ownership, or if the vehicle has a branded title.

10.Â Â OFAC compliance

Insurance companies are mandated by the federal government to check customers' names (and those to whom they send claim settlement checks) against a list published by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC). This is so insurers donâ€™t do business with people suspected of international drug trafficking, terrorism or activities related to the production of weapons of mass destruction.Â

Verisk offers insurance companies a service that checks customers against the OFAC watch list.Â A notification report is produced only if there is a match, so this is one report that insurance companies would prefer not to receive.

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Direct Auto Insurance Gives Back By Offering Free Backpacks and School Supplies to Local Families

NASHVILLE, Tenn., July 7, 2014 /PRNewswire/ --Â Schools may be out for summer but many parents are already planning for the costs associated with back to school. And for good reason.

According to the National Retail Federation, the average parent spent more than $634 on items ranging from backpacks and traditional supplies to clothing and electronics during the 2013 back to school season. For the third consecutive year, Direct Auto Insurance is committing to easing that financial burden for parents.

Parents who stop by participating Direct Auto Insurance locations July 19-Aug. 16Â and get a free no-obligation quote will receive a free school supply kit.* While there, parents can also enter a Back-to-School Sweepstakes for a chance to win a $250 gift card to help pay for school materials and at the same time nominate their favorite school for a chance to win a $250 shopping spree. **

In addition, Direct Auto Insurance will host family-friendly Back-to-School Bashes, featuring free food, fun and giveaways. Consumers who receive a quote during these events will receive a free backpack, while supplies last. In-store events will take place at Direct Auto Insurance locations in 13 states, from 10-2 p.m., on the following dates:

-Â Â Â Â Â Â Â Â Â Saturday, July 26

-Â Â Â Â Â Â Â Â Â Saturday, Aug. 2

-Â Â Â Â Â Â Â Â Â Saturday, Aug. 9

-Â Â Â Â Â Â Â Â Â Saturday, Aug. 16

Check with your local Direct Auto Insurance location to find out which Saturday they will be hosting their event. To find the nearest Direct Auto location, click here: http://local.directgeneral.com.

"It's so important for kids to have what they need to succeed in school, but there's a cost associated and we recognize that," said Ann Davids, CMO of Direct Auto Insurance. "Direct Auto is supporting the local community by providing families some of the essentials for free."

Direct's employees live and work in the neighborhoods they serve, making community involvement a key value. This promotion is not limited to local store communities. Direct's call center, web and social teams are also hosting giveaways through their respective channels to help ease what could be a potentially stressful time of year.

Beyond recognizing the value of community service, Direct understands the importance of offering budget-friendly insurance that's simple to understand and easy to purchase.

For more information about Direct, the backpack giveaway or in-store promotional events, visit www.directgeneral.com, call your local Direct store or dial 1-877-463-4732.

About Direct Auto Insurance

Direct General Corporation is an insurance holding company and through its subsidiaries, is a leading provider of personal auto insurance, life insurance, and vehicle, and accident protection plans. Direct is headquartered in Nashville, Tenn., and has more than 400 local offices in 13 states throughout the Southeast with annual revenue of over $450 million. Direct markets and sells its products and services under the Direct Auto Insurance brand through its retail store outlets, by phone through its call center and via the internet.

Press Resources:
Direct Corporate Website: http://www.directgeneral.com
Direct Facebook Page: https://www.facebook.com/DirectAutoIns
Direct Twitter Handle: @DirectAutoIns

** NO PURCHASE NECESSARY. No quote requirement in MS. Direct reserves the right to cancel or modify this offer at any time. Void where prohibited. Limit one School Supply Kit and Backpack per household. Offer valid only while supplies last and only at participating Direct Auto Insurance locations. ** NO PURCHASE NECESSARY AND A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE THE ODDS OF WINNING. The Back To School Sweepstakes is sponsored by Direct Administration, Inc., at 1281 Murfreesboro Road, Nashville, TN 37217. Participants must be at least 18 and lawful U.S. residents. Void where prohibited. Ends August 16, 2014.Terms and conditions apply. Contact your local Direct office for complete details, including Official Sweepstakes Rules and entry instructions. Store locations and contact information available at www.directgeneral.com.The individual and school winners will be selected via random drawing. Prize consists of a $250.00 gift card for the winning school and a $250.00 gift card for the winning entrant. Odds of winning depend on the number of entries received. Insurance is underwritten or administered by members of the Direct General Group, Nashville, TN.

No More Over-Paying; Find Affordable Car Insurance Quotes in Three Easy Steps to Save Hundreds

San Francisco, CA (PRWEB) July 03, 2014

Due to the amount of consumers who have turned to the web to voice concerns over costs and price hikes in recent years, utilizing social media and other online venues has become an integral part of any corporations strategy not only for increased customer relations but the opportunity to pass on savings.

Cheap Car Insurance in minutes. Click here.

Sites like QuoteHelper.com now allow insurance companies to opt into their programs that bring consumers more sources for comparing quotes and services with the competition as a way of showing confidence and increased transparency into their operations. A much different practice than the traditional forms of insurance advertising that usually involve big budget ad campaigns with no mention of the competition at all.

Lower auto insurance rates, save today. Click here.

With Quote Helper's newly re-launched website, drivers across America can now compare the listings in as little as 3 steps. The insurance listings include the top 5 insurers in a given area along with services, offers and any available location based incentives and discounts to take advantage of. In addition, no personal information is required to compare the results. With just a zip code, anyone can view the best results and simply click through to each companies listing to get a free no-obligation insurance quote.

How does it work?

Visitors can get multiple no-obligation quotes in 3 easy steps:

1. Visit the website at QuoteHelper.com
2. Choose their desired insurance type and enter their zip code.
3. Click & compare insurance quotes with top providers in their area.

About QuoteHelper.com

Quote Helper connects consumers to local and national insurance companies that provide discounts through their listings to help them save on insurance. Continually revising their offers and discounts as well as adding new providers to keep their results, they are determined to become one of the leading websites across the US for insurance quotes.

To try out their new service today, visit QuoteHelper.com, click here.

Cheapest Car Insurance for Florida Drivers Now Quoted Online at Auto Company Website

Jacksonville, FL (PRWEB) July 02, 2014

New state of Florida rules for insurance is requiring drivers to carry a specific dollar amount of personal insurance protection to satisfy state laws. The Quotes Pros company is now helping to deliver some of the cheapest car insurance for Florida drivers, quotable online at http://quotespros.com/auto-insurance.html.

The exact price data that is displayed for any motor vehicle owner accessing the searchable tool available is provided through a direct link with agencies in Florida and in other states that are licensed to present insurance coverage.

"The low cost rates for personal insurance protection coverage and other packages in the insurance industry are now quotable by accessing our website," said a Quotes Pros source.

The addition of add-ons like PIP insurance is helping to increase the size of the QuotesPros.com database of insurers. Consumers can easily access the quotes tool and review liability, SR22, full coverage and other packages that appointed insurance agencies are supplying.

"The cheaper priced data that is found using our specialized tool this year is locked in for motorists who decide to follow up with a purchase of a quoted plan," said the source.

The Quotes Pros company has retained its partners this year, supplying the national and state coverage plans for insurance. These partnerships have increased the packages that consumers can explore for price data. Life and homeowner insurance are two new sources of information now accessible from http://quotespros.com/life-insurance.html.

About QuotesPros.com:

The QuotesPros.com company provides accessible research opportunities for American motor vehicle owners who seek different insurance agency prices on the Internet. A quotation tool is now one of the main features that is used daily at the QuotesPros.com website. Agencies that are found in every state in in the U.S. are currently calculating prices for different vehicle coverage plans for motorists to review this year.

Best Auto Insurance Rates for SR22 Plans Now Featured at Quotes Company Website

Chicago, IL (PRWEB) June 28, 2014

The coverage that some insurance agencies provide for motor vehicle owners is a form known as SR22. This specialized coverage is now searchable at the Quotes Pros website to aid consumers in finding new rates online. Some of the best auto insurance rates for SR22 plans are viewable at http://quotespros.com/auto-insurance.html.

The high risks that some drivers bring to insurance agencies can increase the annual costs for all insured motorists. The SR22 plan provides a surety bond that helps insurers absorb the risks of accidents by drivers who have a history of collisions.

"The price research for high risk insurance now supplied is expected to make life easier for motorists seeking new coverage and have few options locally," said a Quotes Pros source.

The agencies that are now part of the participating network of high risk insurance companies in North America this year at the QuotesPros.com website are in comparison to the standard agencies that are also available for exploration. Basic coverage like liability or full coverage is available to quote this year.

"Our website is dedicated to motorists of all skill levels and driving histories to help promote the best price levels available independently," said the source.

The Quotes Pros company has initiated a new contact database that provides a direct link with health, life, renters and homeowner insurance agencies. This secondary tool can be found when visiting http://quotespros.com/life-insurance.html this year.

About QuotesPros.com

The QuotesPros.com company has grown into a national source for American vehicle owners to explore various prices for vehicle insurance policies over the Internet. The company solutions for locating different policies has been continuously upgraded since 2013. The QuotesPros.com company has amassed a large clientele of insurers providing discount rates and packages for different coverage policies that are available in every state in the U.S.

Affordable Auto Insurance for Ohio Motorists Now Quoted at Automotive Website

Cincinnati, OH (PRWEB) June 27, 2014

Owners of cars, trucks, vans and sport utility vehicles in the state of Ohio now have a new system for locating affordable auto insurance online. The Quotes Pros company is now focusing on presenting low cost rates from providers inside its quote tool at http://quotespros.com/auto-insurance.html.

All of the main cities in Ohio are included for car owners to explore different agency price data. Motorists in any county can use their own zip codes to find the price information that is now assembled into one resource. No VIN numbers or other input is necessary to begin extracting rates this year.

"Our focus has remained on providing statewide agencies that are able to quote a real time price for a coverage policy to improve research conducted by owners of cars each year," said a Quotes Pros source.

The less expensive rates from Ohio insurance companies added to the national system is in addition to the different state level pricing that was added earlier this month. Some of the top rates from agencies in New York, Texas, California and Florida are also available to explore.

"We've built one of the first national finders for vehicle insurance prices that requires almost no personal data inputted by a car owner to compare quoted prices," said the source.

The Quotes Pros company continuously works towards creating new partnerships with available North American agencies willing to present quotes by zip code online. Calculated prices for life, renters, health and homeowner policies can now be obtained at http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company has expanded the ways that insurance costs can be evaluated by the American public through its website this year. A digital search solution now exists for any vehicle owner to locate prices from national or local insurers. The QuotesPros.com company updates now processed on the homepage have enabled faster ways to acquire the top discounts and other incentives that agencies currently provide to automotive customers in the U.S.

Lowest Car Insurance Prices for Michigan Drivers Added to National Quote System

Detroit, MI (PRWEB) June 25, 2014

Annual premiums for vehicle insurance coverage can now be researched by Michigan drivers utilizing the Quotes Pros website for research purposes this year. A portion of the lowest car insurance prices for Michigan drivers can now be reviewed at http://quotespros.com/auto-insurance.html.

The monthly costs for coverage plans that are available come directly from state and nationwide companies solely in the U.S. The licensed insurance agencies that are providing the rates data also provide a link to help drivers purchase a discounted plan through a secure portal.

"Price is always one of the important factors when a consumer researches the car insurance industry and our website helps deliver real time price content," a Quotes Pros source said.

The major cities in the state of Michigan are represented in the agencies that are quoting plans directly at the QuotesPros.com website. The agencies underwrite specialty coverage for SR22, non owner, full coverage and other options that are more advanced compared with standard state minimum protection.

"The reviews for prices that are instantly obtainable while utilizing the detailed quotes tool we offer could help a driver to save cash when upgrading or buying a coverage plan," said the source.

The Quotes Pros company website has been adjusted to feature vehicle repair insurance coverage packages that are now separate from standard insurer protection. The repair policies are offered from a different database accessed at http://quotespros.com/car-insurance.html.

About QuotesPros.com

The QuotesPros.com company offers ways to explore vehicle insurance prices using its simple tool on the Internet. American motor vehicle owners have access to this system by entering a zip code to perform price reviews. The QuotesPros.com company has recently launched procedures that speed up all delivery of quoted prices for various insurance agency policies. New price data can be pulled from the system each day by consumers.

Best Auto Insurance Discounts for Florida Drivers Added to Real Time Quote System at Insurer Portal

Jacksonville, FL (PRWEB) June 22, 2014

Drivers in the state of Florida can often pay higher premiums for personal insurance protection when operating a motor vehicle, according to released statewide data. The Quotes Pros company is now compiling some of the best auto insurance discounts for Florida drivers into its quotation tool at http://quotespros.com/auto-insurance.html.

Motorists will now have a completely private method of locating agencies offering selected insurance plans at affordable prices. The standard add-on PIP protection can be quoted easily as well as new forms of coverage like non owner and broad form. The liability and full coverage packages popular in Florida are also included.

"Florida is one of the states that currently requires a personal insurance protection policy included with the average policy that motorists carry for coverage," said a Quotes Pros source.

The real time quoting of insurance agency prices is one way that the QuotesPros.com website is offering alternatives to American drivers. Because information is not collected during the initial price regulation process, any driver is free to explore rates and coverage options by using a zip code.

"The exact prices for different policies are immediately displayed when entering our database to allow any driver to make a decision to buy insurance online or find another company," said the source.

The Quotes Pros company has added life, renters, auto, health and homeowners policies to its national finder for Florida residents to review this year. The secondary groups of insurers can be accessed from http://autoprosusa.com/health-insurance.html on the company website.

About QuotesPros.com

The QuotesPros.com company offers state level resources for locating vehicle insurance pricing on the Internet. The different tools that have been added to the consumer research platform on the Internet has widened the options the public has when evaluating insurer costs. The QuotesPros.com company now promotes quotations from top companies offering life, homeowners, renters, health and other protection products that are available in the American insurance industry.

Auto Insurance Quotes for State Minimum Coverage Added to Estimator at Auto Website

Chicago, IL (PRWEB) June 22, 2014

Different methods of calculating insurance costs for consumers are now in use by national agencies. The Quotes Pros company is now helping to calculate auto insurance quotes for state minimum coverage to help with planning by motorists at http://quotespros.com/auto-insurance.html.

The state coverage plans that are fully quotable when accessing the new calculation system available online are offered direct from licensed companies. Every motorist who submits a request to review the price quotations receives options to explore full coverage, liability or high risk packages.

"The state insurance companies that help drivers to remain legal while operating a motor vehicle can sometimes have better pricing compared to national companies with millions of clients," a Quotes Pros company source said.

The way that insurance packages are reviewed using the Quotes Pros website has changed this year due to the entrance of a different input method for motorists. All state prices are now being displayed after a zip code is given by drivers seeking coverage options in the U.S.

"Our system is helping any driver to explore detailed rates for the average without giving away vehicle information or previous crash histories," said the source.

The Quotes Pros company has initiated new types of coverage that can be instantly explored aside from the options for car insurance this year. Consumers who visit the life insurance page at http://quotespros.com/life-insurance.html can review updated prices for whole, term and guaranteed policies.

About QuotesPros.com

The QuotesPros.com company offers one of the most detailed websites for exploring vehicle insurance quotations on the Internet. The company has connected with different agencies in North America to supply current rates available to motorists. The QuotesPros.com company has branched out into offering different forms of coverage that are not related to vehicle coverage. Plans for life, renters, homeowners and health coverage can now be quoted online.

Auto Insurance Prices from Nationwide Agencies Updated to Include Full Coverage Options at Auto Website

Las Vegas, NV (PRWEB) June 19, 2014

Acquiring rates for vehicle insurance can be time-consuming for consumers who choose to contact companies using regular telephones. The Quotes Pros company is now improving research for auto insurance prices for adding national agencies to its quotation tool now at http://quotespros.com/auto-insurance.html.

The prices that are now available are set up to nearly eliminate all external research that motorists typically conduct using offline methods for insurance purposes. The national quotation tool now actively separates rates by state and uses a zip code locator service to display new price data.

"The auto insurer partners delivering the quoted rates inside of our free to use system are known companies and are licensed in multiple states," said a Quotes Pros source.

The auto industry in the U.S. has changed over the past two decades as more types of vehicles are being produced with high performance motors. Because these vehicles can require different levels of insurance coverage, the price data now displayed by the Quotes Pros lookup tool includes customized insurer plans.

"Owners of cars, hybrid vehicles, trucks, vans and SUVs can access our search platform easily to begin comparing American insurer prices online," said the source.

The Quotes Pros company has improved the platforms for displaying insurer prices this year and now showcases more policy brands. The automobile, renters, business, life and homeowner policies now available are instantly quoted at http://quotespros.com/business-insurance.html.

About QuotesPros.com

The QuotesPros.com company has added all of its price quotations for insurance to its nationally accessible search system online this year. The U.S. suppliers of coverage plans are included for open research by the public. The QuotesPros.com company has extended its options for exploration on the website this year and continues to supply more partner information for the public to review. Auto, life, health, business, renters and homeowners insurance are available to review and quote using the tools available.

State Auto Insurance Lookup Tool Launched by Quote Company Online

New York, NY (PRWEB) June 15, 2014

Reviews for vehicle insurance companies is one method that average consumers use to find out information prior to purchasing a plan for coverage in the U.S. The Quotes Pros company is now adding to normal reviews by launching a state auto insurance lookup tool direct from its website at http://quotespros.com/auto-insurance.html.

This tool now offers access to an enormous list of agencies within the U.S. offering coverage for most vehicles at the state level. The different companies now part of the Quotes Pros lookup system add to the variety that consumers will find in price and other incentives for multiple coverage plans.

"The review of prices for car insurance using our system requires no person to enter a vehicle identification number or vehicle details," said a Quotes Pros company source.

The insurer system was built with consumers in mind and offers a secure path to explore different companies. Because the launched system specializes in locating state companies, any person can receive licensed insurance company quotes in real time while remaining private.

"Data collection is a big part of the insurance industry and companies are now using more than one information source to help determine how much annual coverage will be for the average motorist," said the company source.

The Quotes Pros company has emerged as a direct source for the public to find a number of coverage options from American agencies this year. The car insurance options are currently mixed into the open database that also offers life, renters and health insurance quotations at http://quotespros.com/life-insurance.html.

About QuotesPros.com

The QuotesPros.com company provides the public with ways to explore insurance coverage for nearly any brand of motor vehicle used in the United States. Relationships have been strengthened by this company over the past several years to grow the company network. The QuotesPros.com company offers free access to its tools to provide an accurate quote for coverage to any website visitor. The car, life, business, renters and homeowner policies can be bought using the e-commerce system.

AssureStart Expands Online Small Business Insurance Sales to Colorado

SEATTLE--(BUSINESS WIRE)--

AssureStart, the technology startup that sells small business insurance coverage on the Internet, has opened for business in Colorado. AssureStart serves small businesses with one to 30 employees, an underserved and often overlooked segment of the commercial insurance market.

With 24/7 online availability, small businesses in Colorado can visit AssureStart.com, get coverage recommendations and a rate quote, purchase a business ownerâ€™s policy and download the policy and a certificate of insurance â€" all in less than 10 minutes. Buying a business ownerâ€™s policy (which combines both general liability and business property coverage) through traditional insurance channels can take several days or more. With AssureStartâ€™s efficient direct sales process, supported by all-new technology, the company is able to pass along savings in the form of lower rates.

â€œIn an industry buried in paper, we offer a streamlined and paperless insurance-buying experience,â€ said Mike LaRocco, president and CEO of AssureStart.

â€œThe emerging demographic of small business owners are working and living in a digital world. Weâ€™re meeting them online with affordable insurance solutions they can manage on their own,â€ said LaRocco. â€œWith certificates of insurance available at the point of sale, a small business owner can open for business one day and present the necessary credentials to start working for a client the next.â€

AssureStartâ€™s proprietary platform and recommendation engine can be accessed via laptop, tablet or smartphone. At any point in the application process, prospective customers can contact a licensed insurance professional by phone, email or web chat to ask questions and receive more information.

AssureStart is backed by the financial strength of American Family Mutual Insurance Company, rated â€˜Aâ€™ (Excellent) by A.M. Best. Policies are underwritten by Midvale Indemnity Co., a subsidiary of American Family.

The company formed in February 2013 and launched service in its first state in November 2013. In addition to Colorado, AssureStart currently sells business ownerâ€™s policies in six other states. It plans to expand to additional states covering 70 percent of the U.S. by the end of 2014, with a national footprint complete by mid-2015. Over time, AssureStart intends to enhance its product suite to include commercial auto and workersâ€™ compensation insurance.

About AssureStart

Based in Seattle, AssureStart is dedicated to serving the insurance needs of small businesses with one to 30 employees. The company sells business ownerâ€™s policies (general liability and business property insurance coverage) direct to small businesses via its website, www.assurestart.com. The website features a proprietary, easy-to-use recommendation engine and the ability to bind coverage online and download a certificate of insurance at the point of sale. AssureStart serves as the managing general agent for policies underwritten by Midvale Indemnity Company, an affiliate of Madison, Wis.-based American Family Insurance. Web: www.assurestart.com; Facebook: www.facebook.com/assurestart; Twitter: www.twitter.com/assurestart.

About American Family

American Family Insurance offers auto insurance, homeowners insurance, life insurance, business and farm/ranch insurance in 19 states. American Family is the nationâ€™s third-largest mutual property/casualty insurance company and ranks 393^rd on the Fortune 500 list. Web: www.amfam.com; Facebook: www.facebook.com/amfam; Twitter: www.twitter.com/amfam; YouTube: www.youtube.com/amfam.

Policies are underwritten by Midvale Indemnity Company, an affiliate of American Family Mutual Insurance Company, 6000 American Parkway, Madison WIÂ 53783.

AssureStart Expands Online Small Business Insurance Sales to Missouri

SEATTLE--(BUSINESS WIRE)--

AssureStart, the technology startup that sells small business insurance coverage on the Internet, has opened for business in Missouri. AssureStart serves small businesses with one to 30 employees, an underserved and often overlooked segment of the commercial insurance market.

With 24/7 online availability, small businesses in Missouri can visit AssureStart.com, get coverage recommendations and a rate quote, purchase a business ownerâ€™s policy and download the policy and a certificate of insurance â€" all in less than 10 minutes. Buying a business ownerâ€™s policy (which combines both general liability and business property coverage) through traditional insurance channels can take several days or more. With AssureStartâ€™s efficient direct sales process, supported by all-new technology, the company is able to pass along savings in the form of lower rates.

â€œIn an industry buried in paper, we offer a streamlined and paperless insurance-buying experience,â€ said Mike LaRocco, president and CEO of AssureStart.

The company formed in February 2013 and launched service in its first state in November 2013. In addition to Missouri, AssureStart currently sells business ownerâ€™s policies in six other states. It plans to expand to additional states covering 70 percent of the U.S. by the end of 2014, with a national footprint complete by mid-2015. Over time, AssureStart intends to enhance its product suite to include commercial auto and workersâ€™ compensation insurance.

About AssureStart

About American Family

Policies are underwritten by Midvale Indemnity Company, an affiliate of American Family Mutual Insurance Company, 6000 American Parkway, Madison WI 53783.

Auto Insurance Quote Website Expands Price Generation for Consumers Online

Detroit, MI (PRWEB) June 06, 2014

Car owners who actively search for different prices for vehicle insurance throughout North America can now benefit from expanded price generation tools set up at the Quotes Pros website. This auto insurance quote website now provides expanded local and national rates at http://quotespros.com/auto-insurance.html.

One key advantage for motor vehicle owners using this automobile insurance quote system is the privacy during exploration. Unlike calling companies directly and providing driver data, car owners enter zip code data to find state or nationwide agency costs. This is now offered as one of the quickest forms of car insurance reviews this year.

"The private systems that we maintain for vehicle insurance on the Internet are open to any user and provide exact rates that are normally obtained by phone calls," said a Quotes Pros rep.

The consumer-friendly designed system has been completed this year to open up new ways to research offerings of different agencies on the website. The Quotes Pros website is linked with top companies to easily generate prices and markdowns for standard or complex car insurance plans.

"Exploring automobile insurance quotations through our website is a form of research provided to any vehicle owner with Internet or mobile phone connections," the Quotes Pros rep added.

The Quotes Pros company has extended the packages for insurance that are easily viewable and quotable online this year. Instead of specific car insurance costs, rates for life insurance and other types of packages are fully quoted at http://quotespros.com/life-insurance.html.

About QuotesPros.com

The QuotesPros.com company is a national independent resource for vehicle insurance pricing on the Internet. This company features hundreds of separate companies providing discounts and incentives for coverage plans underwritten in North America. The QuotesPros.com company is a dedicated portal for evaluating annual costs and monthly premiums for different coverage plans. Providers of health, medical, renters, business, life and vehicle insurance are part of the agencies now available for quotes.

You deserve to be rewarded for safe driving

Botsford & Main Insurance Brokers Inc. 7-17075 Leslie St Newmarket, Ontario L3Y 8E1 1-877-633-4815

Newmarket Era

If you take driving safely seriously, your auto insurance policy should too.

Insurance brokers offer a range of discounts to reward clean driving records and years of experience on the road. In this article weâ€™ll run through some of the discounts available for drivers. When youâ€™re shopping for insurance, make sure you ask your broker which discounts you may qualify for.

A clean driving record really does go a long way when it comes to savings. If you have no convictions and are claim free, you should be eligible for discounts. Your years of experience can also work in your favour, and mature policyholder discounts reward those who have proven themselves to be safe drivers over time.

Look for discounts offered to drivers who take additional safety precautions on the road, such as by driving with winter tires or installing anti-theft devices.

Further savings can be had if you sign on for multiple policies, for example by insuring both your property and car with the same broker, or by insuring multiple vehicles.

If you have children attending university, make sure you also inquire about student away at school discounts.

Ultimately, a good insurance broker will be able to help you sort through the fine print of auto insurance policies and will know what questions ask in order to find the right policy for you and the discounts you are eligible for.

If youâ€™re looking for auto insurance, Botsford & Main Insurance Brokers believes you should be rewarded for your years of experience and safe driving. Contact them at +1 (877) 633-4815 or via e-mail at support@botsfordmain.com for an insurance quote or to inquire about discounts you may be eligible for. You can also visit them online at www.botsfordmain.com.

Your great driving record should work for you

Botsford & Main Insurance Brokers Inc. 7-17075 Leslie St Newmarket, Ontario L3Y 8E1 1-877-633-4815

Newmarket Era

Whether youâ€™ve been on the road for years or youâ€™ve recently passed your road test, a clean record should work in your favour when shopping for auto insurance. Many insurance companies offer discounts to drivers whoâ€™ve never been in an accident and itâ€™s important to be aware of the deductions you may beÂ eligible for before you look for insurance.

In addition to discounts, a bit of background knowledge can go a long way when shopping for a policy. First things first, insuring your vehicle will mean selecting one of three main categories of coverage. In Canada, all vehicles must have liability insurance to protect the driver should they cause injury or property damage to a third party while driving.

Most drivers will have to choose between collision and comprehensive insurance. Collision coverage insures a vehicle against damage in an accident. Itâ€™s a good option if the value of your vehicle is not great, and if replacing it on your own in the event of theft is an option. As the name suggests, comprehensive plans go beyond coverage in an accident, also insuring vehicles from theft and vandalism.

Auto insurance policies vary quite a bit from one insurance company to the next, so make sure to look out for particular features that may be important to you, like emergency roadside assistance in an accident or backup transportation while your vehicle is being repaired.

If youâ€™re looking to purchase auto insurance, Botsford & Main Insurance Brokers believes you should be rewarded for your safe driving record. Contact them at +1 (877) 633-4815 or via e-mail at support@botsfordmain.com for an insurance quote or to inquire about discounts you may be eligible for. You can also visit them online at www.botsfordmain.com.

Travelex Introduces Booksmart: a Travel Insurance Enrollment & Marketing Tool

OMAHA, NE--(Marketwired - Jun 3, 2014) - Travelex Insurance Services has updated their online booking application, 'booksmart,' which makes offering travel insurance easier, faster and more efficient for travel agents.

With booksmart, agents can quickly compare Travelex plans, establish quotes and enroll their clients in a Travelex protection plan directly from their desktop without toggling between websites. A proprietary auto-email marketing tool, Smart Reminders has also been incorporated into the new booksmart. Smart Reminders are strategically timed emails which remind clients to purchase travel insurance prior to their departure date.

Booksmart helps travel agents:

Compare Travelex plans, generate quotes and enroll clients in a plan all within the booksmart application.
Booksmart automatically transfers client and trip data from the agent's GDS or ClientBase system into booksmart, saving agents valuable time.
Booksmart's Smart Reminders allow agents to automatically schedule a series of reminder emails, encouraging clients to enroll in a Travelex insurance plan, increasing their agency revenue.

Travel agents are already seeing the benefits of booksmart.

"I am very satisfied with Travelex's booksmart application," explained Dave Mellon, a travel advisor with Gateway Travel. "It's the only third party insurance company I work with. The quoting option is also nice and it appears to take less 'clicks' to enroll a policy. I find booksmart has made the process of booking travel protection easier."

In a fast-paced world, having a self-contained application is another notable plus for booksmart users. A travel agent can manage all their Travelex insurance offerings from quote to enrollment in one application.Â Additionally, with Smart Reminders, if their client does not purchase insurance when they initially book their trip, the agent can rest assured that their client will be reminded to purchase insurance before they depart on their trip.

About Travelex Insurance Services: Travelex Insurance Services, headquartered in Omaha, Nebraska, is a leading travel insurance provider in the United States. The company was founded in 1996 when the Travelex Group purchased the travel insurance distribution services of the Mutual of Omaha Companies.Â Travelex delivers a wide range of travel protection plans through travel agencies and tour operators, in major airports and online at www.travelexinsurance.com.

About the Travelex Group: Travelex is the world's largest foreign exchange and business payments specialist. The group is also one of the world's leading providers of outsourced travel money to banks, travel agencies and other financial institutions. The group serves businesses and individual travelers through nearly 700 banks, stores, malls and airports in four regions: the Americas; United Kingdom; Europe, Middle East and Africa; and Asia Pacific. For more information, visit www.travelex.com

Regulating replacement insurance: good news for consumers

LONGUEUIL, QC, June 2, 2014 /CNW Telbec/ - In a recent article, the AutoritÃ© des marchÃ©s financiers (AMF) announced plans to regulate the sale and purchase of replacement insurance. In the RCCAQ's view, this decision marks a major step forward in efforts to denounce illegal business practices in which some auto dealers take part and to protect consumers' interests.

Efforts are paying off

The AMF's message comes through loud and clear. In the May 12 issue of Journal de l'assurance, the AMF publicly acknowledged what the RCCAQ has been saying all along: replacement insurance is a useful optional policy that meets a real consumer need. When this product is sold, however, improper and unregulated practices could have a negative impact on the marketing process.

"Over the past two years, we have submitted evidence to the AMF detailing illegal practices engaged in by certain auto dealers who have been taking advantage of consumers' ignorance about this product," said RCCAQ chairman Jean Bilodeau. "Our efforts are now starting to pay off." The RCCAQ has long taken the position that the sale of replacement insurance should be properly regulated.

Disturbing findings

The article in question ("Les dossiers chauds") includes a number of disturbing findings that have raised questions at the AMF, including the fact that 50%-70% of the premiums paid by consumers makes its way back to auto dealers in the form of commissions and that nearly 90% of consumers who replace vehicles after a write-off do so with the same dealer, even though they have the option of taking their business elsewhere. Mr. Bilodeau adds: "It's clear that consumers pay an average of 60% more when doing business with a dealer than they would with a broker. If they aren't extremely careful when signing their policy, they might end up having to replace their vehicle at the same dealership."

The AMF also noted that certain distributors are acting as if they were certified professionals (which brokers are). Unfortunately, many consumers are unaware that auto dealers are not authorized to collect their personal information when providing an insurance quote or when offering advice. That's why the AMF intends to ensure that the regulations are clearly understood by all stakeholders and, at the same, time, are aimed squarely at enforcing the related provisions, as they should be.

Brokers: watching over clients' interests

Meanwhile, the RCCAQ continues its outreach with the AMF by denouncing illegal business practices that are at odds with consumers' interests. Brokers will ensure that clients receive all the information they need to make a wise choice. Consumers know that replacement insurance will cost less with a broker, although they are free to do business with whichever dealer they choose.

Brief reminder

When buying a new vehicle, there are two ways to protect yourself against a partial or total loss: "replacement" insurance and "replacement value" insurance. Replacement insurance (QPF #5) is an additional policy, while a replacement value endorsement (43Â A-E) is a rider to an auto insurance policy (QPF #1). Both products are available from your broker, who has the required expertise to explain their respective advantages. In contrast, auto dealers are not certified insurance professionals and thus cannot sell auto insurance (QPF #1), nor can they advise clients on related coverage. In addition, they are authorized to sell replacement insurance only.

About the RCCAQ

The RCCAQ is a professional association that seeks to promote and defend the socioeconomic interests of its members. It represents more than 4,200 brokers based in some 600 firms and branch offices in all regions of Quebec.

Affordablemedicareinsurance.com Offers Life Insurance Quote for Seniors

(PRWEB) May 22, 2014

Affordablemedicareinsurance.com has released a new blog post explaining how to find life insurance quotes for seniors.

In recent years, insurance agencies have expanded their market demographic and have developed new plans for seniors. It is not possible to purchase life insurance in retirement and according to Affordablemedicareinsurance.com, it is an important investment seniors should consider.

Affordablemedicareinsurance.com provides free online life insurance quotes. The simplified yet efficient search engine makes shopping for insurance a convenient and pleasant experience. Clients have to complete one questionnaire and then they will receive a list of quotes. The quotes are selected from multiple agencies.

The method is simple and efficient. By comparing quotes, seniors can find affordable coverage. Since funeral expenses are high and continue to increase, clients need insurance to cover the costs. Dying without carrying coverage can cause many financial hardships for surviving family members.

Affordablemedicareinsurance.com is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Affordablemedicareinsurance.com is owned by Internet Marketing Company.

For more information, please visit http://www.affordablemedicareinsurance.com/.

National General Insurance Has Joined the comparenow.com Panel of Auto Insurance Carriers

RICHMOND, Va., May 20, 2014 (GLOBE NEWSWIRE) -- via PRWEB - Comparenow.com welcomes National General Insurance to their panel of auto insurance company partners. As one of the largest automobile insurers in the United States, National General has been providing superior service and coverage along with valuable discounts to all types of customers since 1939. They hope their relationship with comparenow.com provides access for even more consumers to shop for auto insurance policies from National General.

Comparenow.com was launched in March of 2013 to simplify auto insurance shopping for US consumers. The site is the first in the US to allow consumers to enter their information once and immediately receive real, unbiased and accurate quotes from multiple licensed auto insurance companies.

The quotes are a true "apples to apples" comparison because the insurance companies available through comparenow.com consider the exact same driver and vehicle information in order to quote a price. Consumers can review the provided quotes, and then one click will allow them to purchase that selected policy directly from their chosen insurer on the web, over the phone, or with a local agent.

Byron Storms, President of National General Insurance, said, "By partnering with comparenow.com we are able to gain access to the modern digital consumer who relies on comparative shopping. With this relationship, even more US consumers will have the opportunity to purchase policies through National General."

Andrew Rose, chief executive officer of comparenow.com, said, "We are pleased to have National General as a panelist on comparenow.com. As more consumers choose to compare auto insurance rates on comparenow.com, we expect that adding the National General to our panel will provide even more quote comparisons for more consumers in more states across the nation."

ABOUT NATIONAL GENERAL INSURANCE

National General Insurance, headquartered in New York City, is a specialty personal lines insurance holding company. Through its subsidiaries, which trace their roots to 1939 and have a financial strength rating of A- (excellent) from A.M. Best, National General provides personal and commercial automobile, recreational vehicle, motorcycle, homeowners', supplemental health and other niche insurance products.

ABOUT COMPARENOW.COM

Comparenow.com is a limited liability corporation headquartered in Richmond, VA, majority owned by the Admiral Group, LLC, the UK's second largest auto insurer and a member of the FTSE 100. Currently offering car insurance comparison services for US consumers in 46 states, comparenow.com allows consumers to fill out a single form and get multiple quotes from trusted auto insurers. Through simple side-by-side comparison, comparenow.com makes finding the best available rates on car insurance easy.

This article was originally distributed on PRWeb. For the original version including any supplementary images or video, visit http://www.prweb.com/releases/2014/05/prweb11860723.htm

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