Saturday 9 August 2014

Nepal Hikes Insurance for Sherpas after Mount Everest Ice Avalanche

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Foreign mountaineers will have to spend more for the insurance cover of their Sherpa guides to climb any Himalayan peak in Nepal including Mount Everest.

Wedged between India and China, Nepal is home to more than 1,300 Himalayan peaks - 414 of them, including Mount Everest, are open to foreign climbers who turn up in the hundreds every year.

An ice avalanche on Mount Everest in April killed 16 Sherpa guides in the biggest disaster in the history of the world's tallest mountain, highlighting concerns that the Sherpas were paid too little compared to the risks they take in guiding their clients on the dangerous slopes of Mount Everest.

Dipendra Paudel, a Tourism Ministry official, said the insurance cover for the guides would be raised to US$15,000 (S$18,773) from US$10,000. Medical insurance for each guide has also been increased to US$4,000 from US$3,000.

Sunday 29 June 2014

Access of Insurance, Fixed Deposits of banks, Mutual Funds, Stocks and Products Details

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Indian investors will soon be able to access complete details of their investments in mutual funds, fixed deposits of banks, insurance and stocks products in a single de-materialized account with financial sector regulators starting the project that aims to capture the financial history.

Financial Stability and Development Council, a forum of regulators monitoring financial stability and inter-regulatory co-ordination, headed by the Reserve Bank of India Governor, has been working on this initiative after Former Finance Minister announced a single account for all financial investments in the interim budget.

Much work has been done and to start with investors will have the option to access details of their investments in bank fixed deposits, mutual funds, insurance stock products with plans to incorporate details relating to pension funds and public provident fund later. Regulators are seeking legal opinion on the Depositories Act on whether there is a need to clarify the definition of securities so that it would cover other financial instruments.

"This provision in 1995 had anticipated depository services in respect of financial instruments which may not be securities under the Securities Contracts (Regulations) Act, 1956. In exercise of this power, Sebi has specified certain instruments such as KVP (Kisan Vikas Patra) as security eligible for depository services.


Saturday 28 June 2014

United Healthcare plans to sell federally subsidized health insurance in North Carolina

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United Healthcare announce a plans to sell federally subsidized health insurance in North Carolina.

The news and observer reports the health insurer notified the North Carolina Department of Insurance that it intends to sell subsidized coverage in the state under the Affordable Care Act. It filed its plans just days ahead of a Friday deadline for insurers to submit plans for federal certification.

Blue Cross is one of just two insurers in North Carolina that offer subsidized policies this year. The other is Coventry Health Care of the Carolinas. Both have notified state insurance officials that they plan to participate in the federal insurance exchange in 2015.

According to the reports of Kaiser Family Foundation, United Healthcare currently offers subsidized individual policies in only four states.

Insurance Quotes - Now Offers Life Insurance Prices to Public Online

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Prices of Insurance Industry is the method used by most consumers when comparing costs between companies. Companies are is now announcing updates to its insurance quotes website this year that now help consumers to find life insurance prices.

The exact prices that are now available for review are calculated in real time without any entry of medical or family health history data. A zip code format to help keep the system private is now implemented and rates are now generalized at the county level. Adults who are seeking ways to review whole, term, guaranteed or other forms of life coverage will get the most benefits using our price delivery system.

The  price of life insurance nationwide tool that is now active also has the capability to produce customized costs. Because a one-size fits all insurance approach is not practical for adults, policy declarations can be changed and then quoted to achieve a more accurate price delivery. The exact rates that the public finds while using our tool come from trusted companies that specialize in the most common forms of insurance protection in the United States.

Companies have achieved success with its quotations center this year and is now including more automotive industry partners. The regular insurer plans and auto repair insurance plans that are quoted can be equally explored at their websites.

Friday 27 June 2014

Saskatchewan Government Insurance’s (SGI) Rate Increase - Car Insurance

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The Provincial Government has approved a 4.4% overall increase to Saskatchewan Government Insurance’s (SGI) Auto Fund vehicle rates, effective August 31.

The government also approved rate re-balancing (now including motorcycles), in efforts to equalize rates and make things fairer for everyone. Bright side: 17% of vehicle owners will see a decrease in their rates and 1% will see no change. For the 82% majority, though, rates will increase an average of $44 per year. To limit the shock, increases have been capped, as per a Saskatchewan Rate Review Panel recommendation earlier this month.

Vehicles with annual rates over $1,000 will see a maximum increase of 10%. For vehicles with rates under $1,000, caps will range from $17 to $100. If you are one of the many behind the wheel of a 1996 Cavalier, your increase will maximum out at $27 and you might even see a decrease. If you drive a Ford pickup truck you are just to see a $116 increase as a $137 decrease.

In either case, you can thank all the drivers who share your taste in cars: Rates are determined based on claims made for specific vehicle models. Those plain-jane F150 drivers might have been texting a little too much  a higher rate of accidents is what’s costing them more across the board.

Between recent increases from Sask Energy (8% July 1), SaskPower (10.5% over two years), water/sewage (8%), property taxes (5.88%) and rent (4.1% from October 2012 to 2013), it’s not cheap to live in Regina. The SGI rate hike is just another example of that.

Even still, “Saskatchewan’s auto insurance rates will continue to be among the lowest in Canada,” said Don Mc Morris, minister responsible for SGI. Granted, a 4.4% increase is lower than what was asked by the Saskatchewan Auto Fund (5.2%) during the SRRP.

If you want your registration to cost less, you drive a clunker most vehicles 1995 or older cost less than $1,000 to register. Or take the bus then you would not even have to register a vehicle.

Friday 9 May 2014

Best about Cheap Auto Insurance

Auto Insurance Policy Tips and Save 75% on Quotes.


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Lets check out the simple steps that we may follow while buying cheap auto insurance:

Decide what coverages you need think over and buy the coverages which you think are important. And the importance greatly depends on your situation and preferences. For example, if you drive a less expensive car, then you can exclude the comprehensive and the collision coverage because these will pay for the damages of your inexpensive car. You could buy only the Liability and the Personal Injury Protection coverages.

Again, you can also go for a lower liability coverage if you are a confident driver. In that case you can buy the minimum amount of liability coverage required by your state law. But it is advised not to keep it so low if you have other assets such as home or business because if the damages in an accident exceeds your liability coverage, you could have to lose those assets to pay for that.

Shop around and compare different companies This will let you know the rates of and the benefits provided by different companies. Getting a lower rate is not the only important thing. Services provided by the insurers do matter a lot. Get Free Auto Insurance quotes by completing our short form above. Compare all the Auto Insurance rates from the top Auto Insurance companies.

Choice of deductible for your Auto Insurance Policy: A deductible is the amount that you must pay for a part of your losses before your insurer pays for the rest. If you choose to pay a higher deductible, your premium amount will be low. You have to pay the deductible amount out of your own pocket if you have an accident. If you drive cautiously and are not likely to have accident, you should choose to pay a higher deductible because the chances of accident are less.

Give correct information :When you apply for auto insurance, the insurance company officials may ask certain questions. Answer all the questions truthfully.

Check out the Financial strength and Complaint index of the company :The financial strength of a company indicates whether it would be able to satisfy your claims on time. It gives you an insight of the financial stability of a company. One can find out the financial strength of a company from an independent rating organization. Such independent rating organizations can also tell whether the company is licensed or not. Buy only from licensed companies.

Research Discounts- Cars with safety and anti-theft devices cost less to insure. You can also knock off a few bucks if you insure your car and home with the same company. People who abstain from alcohol, get good grades in school or take a driver education course are also rewarded with lower premiums.

The complaint index is based upon the number of complaints against the company. It gives an idea of the quality of customer service provided by the company. You can know about the complaint index of any auto insurance company by calling the State's Auto Insurance Department.



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Tuesday 15 April 2014

Life Insurance

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Life insurance may be one of the most important purchases you’ll ever make. Find out how much you need, and how your family will benefit.

Life insurance is a simple answer to a very difficult question:
How will my family manage financially when I die?

It’s a subject no one really wants to think about. But if someone depends on you financially, it’s one you cannot avoid. In the event of a tragedy, life insurance proceeds can:

Pay for funeral costs
Help pay the bills and meet ongoing living expenses
Pay off outstanding debt, including credit cards and the mortgage
Continue a family business
Finance future needs like your children’s education
Protect a spouse’s retirement plans

In this section, you’ll find information and interactive tools to help you get a sense of how much and what kind to buy, plus information about how different life events—such as having children or buying a home—can affect your insurance needs.

If you’re ready to consider purchasing, there’s advice for finding and working with an agent, and an agent locator search engine to help you find a qualified insurance professional in your area.



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Sunday 6 April 2014

Insurance Auto Auctions

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Getting something out of nothing is what this junkyard doggedly pursues. Insurance Auto Auctions (IAA) is a leading US auto salvage company that auctions off vehicles declared as total losses for insurance purposes and were recovered from theft. It also offers collision-damaged rentals, dealer trade-ins, and fleet lease automobiles. IAA holds live auctions for licensed business buyers and the public at more than 160 sites in the US and Canada. The company also allows buyers to place their bids online. Founded in 1982, IAA is owned by holding company KAR Auction Services.

With operations throughout the United States, Insurance Auto Auctions, Inc. (IAA) is one of the auto salvage industry's top chains. The company was among the first to conceive of and undertake industry consolidation through acquisition, expanding from five branches with an annual vehicle volume of 30,000 units in 1991, to 46 locations and 443,000 vehicles per year in 1996. Fueled by well over a dozen acquisitions, IAA's sales increased from $38 million in 1990 to almost $282 million by 1996, catapulting the company to a leading role in its highly fragmented industry. Though it boasted top dollar and unit volume, IAA lagged chief rival Copart, Inc. in terms of number of outlets and profitability. In fact, IAA's net income was on a downward trend in the mid-1990s, declining from nearly $11 million in 1994 to just over $3 million in 1996.

Founder and longtime CEO Bradley Scott relinquished day-to-day leadership of the company in March 1996, but continued to serve as chairman of the board. His successor, Jim Alampi, was recruited from a chemical distribution company. Scott's retirement capped a half-decade of turnover in IAA's upper echelon; as of 1996, all but three of the company's top eleven executives joined the chain after its 1991 initial public stock offering. Around the same time, IAA reorganized into three geographic divisions and moved its headquarters from Southern California to a suburb of Chicago, Illinois.

Bradley Sterling Scott established the company in 1982 as Los Angeles Auto Salvage, a one-acre auto pool in Van Nuys. At that time, most of the country's auto salvage operations fit with the popular image of a "junkyard"--heaps of vehicles in varying states of ruin waiting for auction by disorganized managers--an inefficient concoction ripe for fraud and abuse.

However, behind that rusty veneer lay an industry primed for automation and consolidation. Contrary to popular belief, most facilities lumped under the term "junkyard" are not the final resting place for totalled cars and trucks. In fact, they are intended to be more like car purgatory: a place that sorts the salvageable from the unsalvageable. The former are sold to used car dealers and dismantlers who reincarnate them, and the latter go to scrap dealers who recycle the otherwise useless carcasses. The junkyard is merely the physical manifestation of the industry; its soul is service. Specifically, auto auction yards serve as the nexus between parties that have severely damaged cars to liquidate and those who see "treasure" in this "trash."
Salvage auto auctioneers like IAA typically obtain their cars from insurance companies looking to recoup their losses on cars that have been totaled in an accident or natural disaster as well as some vehicles that were stolen and recovered after a settlement was made with the insured. Historically, the auctioneer (a.k.a. "auto pool") makes money on the transaction by charging sellers a flat consignment fee of $50 to $150 per vehicle to cover services like towing, assessment, title processing, and storage. After the sale, buyers often paid for the same services à la carte. But this modus operandi had a serious flaw: it cast auctioneers as disinterested parties to the transaction, with no incentive to obtain the highest price for their primary clients, the insurance companies.

In the early 1980s, auto insurers seeking to make underwriting more efficient and cost-effective began to target vehicle salvage as an area with the potential not only to cut costs but possibly enhance revenues. They began to demand better service and higher returns on vehicle salvage. Bradley Scott was one of the country's few auto salvage operators to recognize that a tidal wave of change was towering over his industry. Instead of being swept away, the 34-year-old Californian decided to grab a surfboard and ride the wave.
Scott started his reform program with the service end of the business, hosting his first live auction one year after starting LA Auto Salvage. He also departed from the traditional flat rate consignment method of transacting business. Scott focused instead on purchasing cars outright from insurance companies and selling them at a profit. The company negotiated exclusive purchase programs with insurance companies. Under these contracts, IAA agreed to pay a predetermined fraction of the actual cash value (ACV) of each car an insurer had to sell. The ACV, in turn, was based on used car prices. This program proved highly profitable throughout the 1980s and into the early 1990s, because the company could count on making more at auction than it had paid out under contract. By 1996 nearly half of IAA's autos were supplied by Allstate Insurance Co., Farmers Insurance Group, and State Farm Insurance Co.

IAA enticed insurers to join its program with a broad array of cost-cutting and time-saving conveniences. IAA inaugurated its Vehicle Inspection Center program (VIC) in 1988. This service towed totaled cars directly to centralized inspection areas in IAA yards. This plan allowed claims adjusters to inspect vehicles in one centralized location. IAA made this process even easier in the 1990s with a video imaging service. This program sent detailed color images of damaged vehicles to claims offices through a dedicated computer network, thereby allowing claims adjusters to evaluate autos at the desktop. Niche services also set IAA apart from its many competitors. A catastrophe action team stood ready to assist insurance companies in times of heavy demand, and a specialty salvage service concentrated on vehicles like semi-trucks, boats, and recreational vehicles. Over the course of the decade, Scott also pursued geographic expansion, launching three new outlets in California and a fifth in Hawaii by the end of 1990.

Vehicle buyers paid an annual membership fee ($35 in 1991) that entitled them to access IAA's inventory databases. Scott likened the membership program to the "Price Club" concept in a 1991 interview with National Underwriter Property & Casualty-Risk & Benefits magazine's Garry Chandler. Member benefits included weekly computerized inventories of IAA's stock and electronic title processing.
The membership program also allowed IAA to track the buying habits of its customers, a factor that helped the auctioneer target marketing as well as investigate fraud. In 1991, the company inaugurated its "CarCrush" and "TitleTrac" anti-fraud programs. Though most wrecked vehicles have some intrinsic value, some are so badly damaged that only one tiny bit retains its worth: the vehicle identification number. Auto theft rings often purchase these otherwise useless heaps, steal an identical (but of course operational) vehicle, then apply the totaled car's VIN and title to the stolen auto. IAA's "CarCrush" program advised insurance companies to take useless vehicles' VINs out of circulation by demolishing these total losses. "TitleTrac" monitored buyers' auto trading habits for telltale signs of unscrupulous deals.

LA Auto Salvage became the first in its industry to make a public stock offering, taking to the equities market as Insurance Auto Auctions, Inc. at $11 per share in 1991. A second issue raised an additional $23 million in 1993. The proceeds of these offerings helped finance a major acquisition spree and nationwide expansion. Four corporate purchases totaling $20 million added 6 yards in four western states to the company roster in 1992. IAA extended its reach all the way to the East Coast in 1993, investing at least $18.5 million in nine facilities in Arizona, Texas and the Midwest in the process of acquiring four companies. This growth program nearly tripled IAA's revenues from $60.5 million in 1992 to over $172 million in 1994. Net income more than doubled over the period, from $4.4 million to just shy of $11 million. Investors watched the stock rise from its issue price of $11 in 1991 to a peak of $45.50 in 1993. That year, Montgomery Securities analyst Joseph Holson noted IAA's "meteoric" earnings and revenue growth in a brief by Business Week's Gene G. Marcial.

IAA hit a king-sized speed bump mid-decade, when used car prices--upon which IAA's purchase price for wrecked autos was based--began to rise rapidly. This would not have been a problem had auction prices grown in line with the general increase. But in fact, IAA's per-car pay-outs increased as much as 24 percent from the beginning of 1992 to the end of 1994, while auction values barely budged. The squeeze soon showed up on IAA's bottom line. Though revenues increased from $172 million in 1994 to nearly $282 million in 1996, net income plunged more than 70 percent, from $11 million to about $3 million. Heretofore upbeat Wall Streeters abandoned the stock, which plummeted to $6.50 per share late in 1995 before recovering to about $11 in the third quarter of 1997.

In the meantime, competition with Copart for key acquisitions had driven up asking prices to the point that in some cases, the creation of "greenfield" yards made economic sense. That year, IAA established three start-up facilities and purchased four companies. Acquisitions returned to the fore in 1995, when the company fleshed out its coverage of the Midwest and East Coast.

In March 1996, founder Bradley Scott acknowledged that "The skills required to take this company to the next level--in things like information technology and human resources and financial management--were different from the skills I have." Scott handed ultimate managerial responsibility to outsider James Alampi, who continued a managerial housecleaning that had begun when IAA went public in 1991. The new executive team was young; at 50, Alampi himself was the oldest. He brought three executives--CFO Linda Larrabee, controller Stephen L. Green, and information systems vice-president Charles Rice--with him from his previous employer, Van Waters & Rogers Inc. Whether these professionals would be able to transfer their experience in the chemical distribution industry to the auto salvage business remained to be seen.
Under Alampi, IAA checked its growth in 1996, adding only two Midwestern facilities. Revenues for the first nine months of 1997 slid ten percent from the comparable period in 1996 as IAA shifted from the purchase strategy to a concentration on consignment. The company also worked to renegotiate more favorable purchase agreements with insurers--especially Allstate, which owned a minority stake in the salvage auto auctioneer.


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Sunday 2 February 2014

Car Insurance at Low Premium

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Owning and driving a car means many things to many individuals. It is a shared responsibility – both for you as a driver, and those who share the road with you. Part of that responsibility includes protecting you, your passengers and others when an accident occurs.


Why do I need Car Insurance?

If you have a car accident, be prepared for the following:
Damage to cars and property to others can cost thousands of dollars.
Medical bills can cost tens of thousands of dollars.
Legal fees, court costs and settlements can cost hundreds of thousands of dollars.
Most individuals simply do not have the money to pay for the damages that happen as the result of a car accident. Between the high cost of automobile repairs and the soaring cost of medical care, car insurance is virtually the only way that a driver can be financially protected in an accident.
Also, in most states, car insurance is required by law.

Why is Car Insurance invaluable?

Car insurance is invaluable when an accident occurs with your vehicle, if you have the proper coverage.
With the proper coverage, car insurance can help you financially with the following situations after an accident, including:
– Replacing the value of your car
– Covering you against a driver who does not have car insurance
– Covering you against a driver who does not have enough car insurance
– Covering some or all your medical costs and of those involved in the accident
– Covering the value of damage caused by the accident to other property
– Covering some or all of rental car expenses while your car is repaired

How do you buy car insurance and what kind of insurance should I buy?
Car insurance is purchased through a licensed insurance agent. Licensed insurance agents that have been working in the industry for long periods of time have had the chance to work with many customers in many claim scenarios. You can benefit from these life examples by working with an experienced agent.

An experienced agent will ask you some basic questions about your current situation, including:
– the kind of car you drive
– if you drive your car to work, and, if so, how far is the commute
– where you live
– if you have had an accident before
– what kind of other insurance products you may currently have (home, health, life, etc.)

After assessing your information, the agent will talk to you about varying types of car insurance coverage, including:
Bodily Injury Liability
Collision
Comprehensive
Property Damage Liability
Uninsured Motorist
Underinsured Motorist
Rental Car
Special Equipment

Each type of coverage listed above is important for you to understand how it relates to your driving habits and your risk tolerance. Coverage that you may feel is important may not be as important for another person. You should talk to your experienced licensed insurance agent about your tolerance in various insurance scenarios.

What is proper coverage in car insurance?

Coverage simply means the maximum amount your insurance company will pay on a type of claim area.

For example:
If you have a $250,000 coverage on property damage liability, the most the insurance company will pay on property damage in an accident you claim is $250,000. If the property damage in that accident is more than $250,000, you may have to pay the difference.

It is important that you have enough car insurance coverage for the car you are driving. If you drive a brand new SUV, and are upside down on you loan (owing more than it’s worth to do a low down payment). You may need Gap Insurance to pay the loan off if your SUV is totaled. Your experienced insurance agent will provide scenarios to help you decide how much coverage you need.

How should I proceed?
We have decades of experience in handling all aspects of car insurance. From quotes to claims, our team will make sure:
– Your car insurance needs are met,
– you understand your coverage,
– and you have our contact information if and when you need us

We help people by being there before bad things happen through appropriate insurance coverage.



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Wednesday 29 January 2014

Home Insurance


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Most important decisions for every one is that an individual can make own home. Your home is not just a dwelling made of bricks, wood and shingles, but it is most people’s biggest investment, and they take just about everything else they own and stuff it inside. For this reason it is critically important to have the right insurance on just about everything you own.

Owning a family home is the dream. Protecting all that is important in your home is the function of homeowner’s insurance (also called hazard insurance). Not only can homeowner’s insurance cover your building and grounds, but it also can cover the possessions in your house, and accidents that may happen in your home, or on your property. Home Insurance  is a safety tip for every one.

Homeowner’s Insurance Basics:
Homeowner’s insurance policy benefits can cover your home.  Insurance is the one of ways to increase your home’s value.

Homeowner’s insurance covers you in the event that you incur the loss of your home, contents, or personal possessions within the structure. The policy can also cover you with liability insurance – meaning that you could be covered for accidents that occur in your home or on your property.

Important to note that the Liability insurance on your home also covers you for Bodily injury or property damage you are responsible for in your personal pursuits anywhere in the world. Without some form of homeowners insurance I.E. renters insurance condo insurance, etc, you mostly will not have any personal liability insurance.

Many times, your homeowner’s insurance policy is paid by the owner as part of the monthly mortgage payment. The mortgage company accepts the payment, keeps it in escrow, and pays the premium to the insurance company annually on the anniversary of your insurance policy.

Homeowner’s Insurance Policy Types
There are several types of homeowner’s insurance policies that can be written. These policies cover everything from Basic policies (HO1), to a Special Form (HO5) policy for homes that are in areas prone to situations such as floods or earthquakes; you can buy flood insurance and or earthquake endorsement. If you live an older home, where replacing your home may cost more than market value, there is even a special policy type for that situation.

Homeowner’s Insurance Coverage Types
For each homeowner’s insurance policy, you can select the type of coverage you need. These are based on the dwelling itself, personal property in your home, other structures, liability and costs associated with the loss of the use of your home/additional living expenses that may occur.

How should I proceed?
To protect yourself with the proper coverage, you must purchase a homeowner’s insurance policy through a licensed insurance agent.

Your agent will ask you basic questions about your house and property. From this information, the agent will be able to present several coverage options for you to consider.

Your homeowner’s insurance coverage is important for you to understand  how it relates to your living arrangements and your risk tolerance. Certain types of insurance coverage that you feel is important may not necessarily be as important for another person to include.

Licensed insurance agents that have been working in the industry for long periods of time have had the chance to work with many customers in many claim scenarios. You will benefit from these life examples by working with an experienced agent.

Your agent will also be able to tell you if other insurance policies you have (automotive, rental, business, life, health) may help in reducing your homeowner’s insurance premiums.

Contact Us Today
Contact us today at (314-744-9292). We have decades of experience in handling all aspects of homeowner’s insurance. From quotes to claims, our team will make sure:
- your homeowner’s insurance needs are met,
- you understand your coverage,
- you have our contact information if and when you need us
We help people by being there before bad things happen through appropriate insurance coverage.

Thanks


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Monday 27 January 2014

Monday 13 January 2014

Auto Incurance at Lowest Rate

Car Incurance at Lowest Rate.


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Insurance Step works with the top insurance companies across the nation. No matter what type of car you drive, Insurance Step will help you save hundreds of dollars per year.

We have two options to save you money. Our form takes about a minute to fill out and connects you directly with insurance companies and insurance agents. They will call or email you and offer you discounts that are applicable to your situation. We also offer a self-service model, where you can get direct quotes on insurance company websites and usually buy your policy online. Where possible, we only show you relevant results based on your state, the type of insurance you are looking for, and any other parameters you have told us, such as whether or not you own a home. Our goal is to save you time by showing you only the most relevant offers.

Auto Insurance Shopping Tips:
The Right Policy for the Lowest Rate
While we always recommend that you speak to a licensed insurance agent, here are some simple tips that can help you save money and get the right policy: Shop around. This is always the most important tip. Every insurance company has its own pricing algorithms that consider a wide variety of factors such as age, credit, and driving record. No company is the cheapest or most expensive for all drivers. The only way you can know for sure what a company’s rate is for your situation is to get a quote from that company or from one of its appointed agents.

Decide what coverage you really need. For example, will you really need a rental car if you get into an accident or does your local body shop provide one free? Do you really want comprehensive coverage for your older vehicle? Do you have significant assets to protect that require high liability limits?

Think carefully about your deductibles. If you drive cautiously and are not likely to have an accident, you might choose to pay a higher deductible and save money on your monthly premiums. On the other hand, if you must have your car for work and you can’t save up enough money to pay off a high deductible, you may be better off to pay higher premiums for a lower deductible. Think through the scenarios to make sure the car insurance you are buying will work for your situation.

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Sunday 12 January 2014

Low Cost Auto Insurance

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Low Income Peoples Need Car Insurance
Our service gets you connected to the top auto insurance carriers in the nation and let's you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network.

Choose from Many Car Insurance Quotes
Because we work with so many carriers and brokers in all 50 states, we can make it easy to get mulitple quotes for policies that can fit any special need or budget. In addition to affordable auto insurance quotes for individuals and families, we can help obtain quotes for a wide selection of commercial auto insurance. Additionally, we can help you if you are a high risk driver, have bad credit, require an SR22 filing, or have a classic or vintage vehicle.

A Fast, Free, and Easy Way to Get Low Income Car Insurance Quotes
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.


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Saturday 4 January 2014

Top Insurance Companies

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Compare Top Insurance Companies

Our service gets you connected to the top insurance companies in the nation and lets you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network.

Choose Highly-Rated Insurance Companies

Because we work with so many carriers and brokers in all 50 states, we can help you get multiple quotes that can fit any special need or budget. Whether you need auto insurance, home insurance, health insurance, life insurance, or coverage for your small business, we can help you find the coverage you need at prices that you can afford. We can help you get quotes in almost every situation, even if you are "high risk" or have been denied by an insurance carrier for coverage.

A Fast, Free, and Easy Way to Find The Right Insurance Company

Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.