Top 10 Most Expensive Car Crashes Ever,Top 15 worst car accidents in the world 2014 HD

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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 car and home insurance 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.ca for a free quote for car insurance or tenant insurance. For a home insurance quote, call one of our agents directly at 1-877-871-7500 or 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 $194 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

• Automotive Industry
• Finance
• National Bank of Canada

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10 reports your car insurance pulls about you

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

Car insurance companies don’t like guessing games. When you ask for a quote, they want to know who you are and what you’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 you’ll never see.

1. Insurance score

Your credit history is important to car insurance companies because it’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 can’t use credit information to set rates. 

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 can’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?  If not, it will find out.  LexisNexis offers insurers a report called RiskView that promises to provide a comprehensive view into a person’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.  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

There’s no hiding past claims against you, even if you’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  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.  

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

5.  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.  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.  You, however, can go straight to the source, your state’s Department of Motor Vehicles, and request a copy of your official record.  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 it’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 “hidden” or “undisclosed” drivers living in your residence by cross-checking public records.  One report keys in on young drivers between the ages of 15 and 25 who are newly licensed but haven’t been disclosed. If a “hidden” driver of any age is found you’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 you’re applying for auto coverage, a prospective car insurance company can find out how long you’ve been with your current carrier or if you’ve had a lapse in coverage. They access a report that identifies and verifies your current and previous insurance providers. 

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.  Mileage report 

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

See what else makes your rates go up or down with CarInsurance.com’s car insurance calculator.

9. Vehicle-registration​ 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.  A registration report is originally issued by the DMV but both Verisk and LexisNexis offer the service for insurers using the bulk data that it buys.  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.   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 don’t do business with people suspected of international drug trafficking, terrorism or activities related to the production of weapons of mass destruction. 

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

More from CarInsurance.com

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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/ -- 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. 16 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:

-          Saturday, July 26

-          Saturday, Aug. 2

-          Saturday, Aug. 9

-          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.

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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.

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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.

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