Since the rise of the internet auto insurance comparison sites have increased in number. Many people find it easier to take out car insurance online as they do not have to spend vast amounts of time contacting various providers and constantly repeating their details and information. These kinds of websites offer the benefit of only entering details once.
When your details have been entered depending on the site it will input this information into various lenders websites and create a quote for you based on the information you have provided. Some of the well established web sites are able to do this well, whilst some can give information that is not completely accurate.
One of the disadvantages with these websites is that they do not reference all of the lenders available and as such may miss out on some that can provide you with cheaper car insurance. In addition to this they generally add optional extras onto your quote and if you do not take the time to thoroughly explore the contents of the quote, you may pay for additional cover options that you don not require.
It would be a good idea to use a few of these comparison websites as many affiliate themselves with different companies and as such you will gain a wider scope of quotes available from the market.
After you have this large number of quotes you should note which providers offer you the cheapest deals but also you should note the insurers that offer you the most cover in your quote. The reason I say the later is because they may not be the cheapest using the data you have inputted but if you navigate to their website and manually fill in the information you may find you are able to reduce the price of quote substantially.
This is also the reason I say to make a note of the cheapest quotes, most of the time you will find you can receive a cheaper quote or an insurance policy more tailored to your needs by filling out the insurers form yourself as every company has a different way of obtaining information and asking for different pieces of it.
Whilst comparison websites do assist in speeding up the time in which is can take you to gain an insurance quote they should not be used as one stop shops even though they would like you to be. Use them as a guide to assist you in getting a better deal for you.
Hope that you will visit again for more information on Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions
Friday, November 6, 2009
Tuesday, October 6, 2009
Auto Insurance compares on Quotes with Best Technique
It is good to get and compare auto insurance quotes from many insurance companies and providers.
Many car insurance buyers use comparison sites while some discuss with their trusted insurance agents; which ever method you use, for you to get the best car insurance deal, you need to compare auto insurance quotes using the best technique.
It is important you note how relative the best technique is to insurance need and location of the buyer. In other words, the technique that proves to be the best for a fast sport car driver in New York may not work well for a regular car driver in California.
Having this in mind, you need to carefully evaluate your auto insurance need and study the guidelines of regulatory authorities in the area you drive the car. After getting this information, you now proceed to get free quotes from insurance providers and agents that have in their network many trusted companies offering quality auto coverage in your area. You can get this now by clicking any of the two recommended links i provided at the end of this write up.
At this point, after providing your correct data, collect your free quotes from all the insurers on the agents' network and compare. What will make this technique work best for you starts with you knowing accurately your insurance need and getting all the free quotes you can get from reliable companies providing the coverage you need in your area. Insurers are also very willing to assist you get the best coverage you can afford at discounted prices.
Start now, compare auto insurance quotes using the best technique and save!
Hope that you will visit again for more information on Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions
Many car insurance buyers use comparison sites while some discuss with their trusted insurance agents; which ever method you use, for you to get the best car insurance deal, you need to compare auto insurance quotes using the best technique.
It is important you note how relative the best technique is to insurance need and location of the buyer. In other words, the technique that proves to be the best for a fast sport car driver in New York may not work well for a regular car driver in California.
Having this in mind, you need to carefully evaluate your auto insurance need and study the guidelines of regulatory authorities in the area you drive the car. After getting this information, you now proceed to get free quotes from insurance providers and agents that have in their network many trusted companies offering quality auto coverage in your area. You can get this now by clicking any of the two recommended links i provided at the end of this write up.
At this point, after providing your correct data, collect your free quotes from all the insurers on the agents' network and compare. What will make this technique work best for you starts with you knowing accurately your insurance need and getting all the free quotes you can get from reliable companies providing the coverage you need in your area. Insurers are also very willing to assist you get the best coverage you can afford at discounted prices.
Start now, compare auto insurance quotes using the best technique and save!
Hope that you will visit again for more information on Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions
Thursday, August 6, 2009
Auto insurance DUI do it really exist
Yes. DUI auto insurance does exist, and you better have it if you have recently gotten a DUI ticket. Sometimes the courts will allow you to have partial driving privileges after getting a DUI for getting to and from work or getting to and from medical appointments. If you don't have appropriate DUI auto insurance, you will end up having even more problems as time goes on. If you have an accident and your original insurance company had dropped you or didn't know about the DUI, you will not have insurance coverage. This will lead to nothing but more trouble. If the time of your driving suspension is over, you need to have special DUI auto insurance in order to drive again. The rates on your insurance will be substantially higher because you will be considered more of a risk now. You need to carry the insurance though, at least liability coverage. If you don't and you do drive, you are asking for ongoing problems.
You can do a search online for DUI auto insurance. There are companies that specialize in helping people in this situation get auto policy again. You can go to two or three different sites and compare rates and types of auto policy coverage. You will have a higher rate for quite a while though. Sometimes after 10 years, a person can get their driving record sponged. You should talk to a lawyer about this. Just don't make another mistake and drive without insurance.
If you find that the insurance rates are too high, get an older car and drive with just liability coverage. It will still be expensive but it will be a little cheaper than carrying collision and comprehensive also. If the DUI is on your record, there is little you can do DUI auto insurance.
Eddie Abel is a researcher, blogger, and a DUI auto insurance specialist. Click this link to get your FREE quote or find more practical cost-cutting insurance tips and advice at his site: Cheap Car Insurance
Hope that you will visit again for more information on Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions
You can do a search online for DUI auto insurance. There are companies that specialize in helping people in this situation get auto policy again. You can go to two or three different sites and compare rates and types of auto policy coverage. You will have a higher rate for quite a while though. Sometimes after 10 years, a person can get their driving record sponged. You should talk to a lawyer about this. Just don't make another mistake and drive without insurance.
If you find that the insurance rates are too high, get an older car and drive with just liability coverage. It will still be expensive but it will be a little cheaper than carrying collision and comprehensive also. If the DUI is on your record, there is little you can do DUI auto insurance.
Eddie Abel is a researcher, blogger, and a DUI auto insurance specialist. Click this link to get your FREE quote or find more practical cost-cutting insurance tips and advice at his site: Cheap Car Insurance
Hope that you will visit again for more information on Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions
Thursday, July 16, 2009
How to do online insurance of car
Shopping for car insurance can be a frustrating and a time consuming activity. Making sure you have the best coverage for the least amount of money requires you to shop many different agencies and compare plans. The best way to make the car insurance buying process go as smoothly and easily as possible is to shop online and compare free auto quotes, different companies, plans, and different car insurance rates from the comfort of your home computer.
Comparison Shop Web sites
Finding an online car insurance company is easy. Doing an Internet search for “auto insurance” or “auto insurance comparisons” in any online search engine will bring you results of companies that offer car insurance and allow you to compare plans and rates within that company and with their competitors. Have your personal information ready; name, DOB, drivers license, and phone number as well as the detailed information of your vehicle; make, model, year, and possibly the VIN number. All of this information can be found on your vehicle’s registration paperwork or its title.
Know Your Limits
How much each month can you afford to spend on car insurance? How much coverage and what kind do you really need? What is the difference between collision and comprehensive coverage? Do you need both? What are your state’s minimum requirements for coverage? All of these things are questions that you will need answers to in order to save yourself the most money and get the best coverage. Depending on your vehicle, driving history, and past insurance claims, your rate will vary from company to company.
If in Doubt…
… call an agent. If you are confused by the information you find online, choose an agent from one of the web sites and give them a call with your questions in hand. If they are a good agent they will patiently answer your questions without high-pressure-selling you. Remember, it doesn't cost you anything to get a quote, and the insurance agent needs your business more than you need to give it to them if they start to pressure you into coverage.
When you begin your search to find affordable insurance coverage, be patient. There are a lot of choices out there, some good, some not so good. Do your research and find out what your state requires for insurance. Decide how much you can spend on insurance. Decide how much you really need on your vehicle. Begin your comparison research online, and if you have any questions, call an agent. Do not let yourself get talked into coverage you do not need by a pushy insurance salesperson. Keep these things in mind and your patience in check and you will successfully find affordable car insurance.
Hope you will Come back for more news, articles and tips on, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Comparison Shop Web sites
Finding an online car insurance company is easy. Doing an Internet search for “auto insurance” or “auto insurance comparisons” in any online search engine will bring you results of companies that offer car insurance and allow you to compare plans and rates within that company and with their competitors. Have your personal information ready; name, DOB, drivers license, and phone number as well as the detailed information of your vehicle; make, model, year, and possibly the VIN number. All of this information can be found on your vehicle’s registration paperwork or its title.
Know Your Limits
How much each month can you afford to spend on car insurance? How much coverage and what kind do you really need? What is the difference between collision and comprehensive coverage? Do you need both? What are your state’s minimum requirements for coverage? All of these things are questions that you will need answers to in order to save yourself the most money and get the best coverage. Depending on your vehicle, driving history, and past insurance claims, your rate will vary from company to company.
If in Doubt…
… call an agent. If you are confused by the information you find online, choose an agent from one of the web sites and give them a call with your questions in hand. If they are a good agent they will patiently answer your questions without high-pressure-selling you. Remember, it doesn't cost you anything to get a quote, and the insurance agent needs your business more than you need to give it to them if they start to pressure you into coverage.
When you begin your search to find affordable insurance coverage, be patient. There are a lot of choices out there, some good, some not so good. Do your research and find out what your state requires for insurance. Decide how much you can spend on insurance. Decide how much you really need on your vehicle. Begin your comparison research online, and if you have any questions, call an agent. Do not let yourself get talked into coverage you do not need by a pushy insurance salesperson. Keep these things in mind and your patience in check and you will successfully find affordable car insurance.
Hope you will Come back for more news, articles and tips on, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Monday, July 6, 2009
Auto Insurance is cheaper If You Look in the Right Place to Get It
The internet is the fastest way nowadays to get an insurance quote. Technology has given people the privilege to have instant and convenient information at the tip of their fingers. Several good deals on cheap auto insurance are available online. All you have to do is to look into the right places to get the best answers.
No more waiting for insurance quotes. Getting the information on the internet gets the job done in half the time. This speeds up transactions and is quite beneficial to anyone who is always on the go. On the other hand, some people still prefer to speak with an agent, the old fashioned way to get a more personal customized approach. The problem with this is you pay more.
The internet provides prompt efficient service conducive to people who prefer to stay in their houses to do their work. Due to various search engines available online one gets hundreds of search results of different kinds of quotes from several websites in an instant. However most people usually count on the top ten search results as viable and feasible information and rarely go on to check the rest of the results pages.
For people who are patient enough to search through every results page and persistent enough to check each website, one can truly find a gem. Don't forget to get a comparison of the best insurance quotes and watch out for scams and illegal stuff.
There is quicker way than this though and it can save you hours. Use a comparison site that compares all the top insurers.
When looking for quotes online most websites will ask for specific information about your car and some other personal stuff. If you're patient enough to go through all this then getting affordable, low-priced car insurance for you car will not take you long.
However some websites usually take time in handing out insurance quotes or tell you to call an agent. This is a ploy to charge you more and another reason to use a comparison site.
Studies show that insurance rates amount to $2300 for every car in America. Most surveys suggest that searching for car insurance rates on the internet will save you money.
No more waiting for insurance quotes. Getting the information on the internet gets the job done in half the time. This speeds up transactions and is quite beneficial to anyone who is always on the go. On the other hand, some people still prefer to speak with an agent, the old fashioned way to get a more personal customized approach. The problem with this is you pay more.
The internet provides prompt efficient service conducive to people who prefer to stay in their houses to do their work. Due to various search engines available online one gets hundreds of search results of different kinds of quotes from several websites in an instant. However most people usually count on the top ten search results as viable and feasible information and rarely go on to check the rest of the results pages.
For people who are patient enough to search through every results page and persistent enough to check each website, one can truly find a gem. Don't forget to get a comparison of the best insurance quotes and watch out for scams and illegal stuff.
There is quicker way than this though and it can save you hours. Use a comparison site that compares all the top insurers.
When looking for quotes online most websites will ask for specific information about your car and some other personal stuff. If you're patient enough to go through all this then getting affordable, low-priced car insurance for you car will not take you long.
However some websites usually take time in handing out insurance quotes or tell you to call an agent. This is a ploy to charge you more and another reason to use a comparison site.
Studies show that insurance rates amount to $2300 for every car in America. Most surveys suggest that searching for car insurance rates on the internet will save you money.
Tuesday, June 16, 2009
Motorcycle Insurance And Riding Safety Tips
Progressive Motorcycle Insurance Company gives you some good tips about motorcycles and road safety.
Can't Wait To Hit The Road On Your New Bike? Not So Fast!
Even Veteran Bikers Could Use Some Basic Training When They Switch Bikes
(NAPSI)-Whoever coined the phrase "it's just like riding a bike" probably never switched motorcycles. That's because even experienced riders can be pretty wobbly when they hop on an unfamiliar bike, according to data from the country's largest motorcycle insurer, Progressive.
The study of almost 2 million motorcycle policies over a five-year period found that riders who switch bikes are nearly 70 percent more likely to crash than riders who keep the same bike.
"Most people already know that riding can be especially dangerous for new bikers," said Rick Stern, a Progressive motorcycle product manager who is also a rider. "But our data shows that the less familiar you are with your bike, the more likely you are to be involved in a collision, regardless of your experience."
The study also found that cruiser riders who switch to sport bikes are three-and-a-half times more likely to crash. That's more than double the risk they'd have than if they had just switched to another cruiser.
Sport bikers, on the other hand, can reduce their risk by more than a third just by switching to a cruiser.
"We want experienced riders to know their risks so they can take extra precautions when they replace their bikes," said Stern. "It's a good idea for riders to take their new bike out for a couple of test drives in a parking lot before hitting the open road."
Even people who have been riding for years can benefit from practicing the basics on their new bike, Stern said, including low-speed riding, turning, shifting and swerving, and higher-speed panic stopping.
No matter what your level of experience--both on your bike and on the road--make sure you're covered with a motorcycle policy that fits your needs. Progressive offers coverages such as Trip Interruption, which can cover your lodging, food and transportation if you get stranded on the road, and Total Loss Replacement, which can replace your bike with a brand-new one if it's stolen or totaled.
Hope you will Come back for more news, articles and tips on, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Can't Wait To Hit The Road On Your New Bike? Not So Fast!
Even Veteran Bikers Could Use Some Basic Training When They Switch Bikes
(NAPSI)-Whoever coined the phrase "it's just like riding a bike" probably never switched motorcycles. That's because even experienced riders can be pretty wobbly when they hop on an unfamiliar bike, according to data from the country's largest motorcycle insurer, Progressive.
The study of almost 2 million motorcycle policies over a five-year period found that riders who switch bikes are nearly 70 percent more likely to crash than riders who keep the same bike.
"Most people already know that riding can be especially dangerous for new bikers," said Rick Stern, a Progressive motorcycle product manager who is also a rider. "But our data shows that the less familiar you are with your bike, the more likely you are to be involved in a collision, regardless of your experience."
The study also found that cruiser riders who switch to sport bikes are three-and-a-half times more likely to crash. That's more than double the risk they'd have than if they had just switched to another cruiser.
Sport bikers, on the other hand, can reduce their risk by more than a third just by switching to a cruiser.
"We want experienced riders to know their risks so they can take extra precautions when they replace their bikes," said Stern. "It's a good idea for riders to take their new bike out for a couple of test drives in a parking lot before hitting the open road."
Even people who have been riding for years can benefit from practicing the basics on their new bike, Stern said, including low-speed riding, turning, shifting and swerving, and higher-speed panic stopping.
No matter what your level of experience--both on your bike and on the road--make sure you're covered with a motorcycle policy that fits your needs. Progressive offers coverages such as Trip Interruption, which can cover your lodging, food and transportation if you get stranded on the road, and Total Loss Replacement, which can replace your bike with a brand-new one if it's stolen or totaled.
Hope you will Come back for more news, articles and tips on, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Saturday, June 6, 2009
Auto insurance information
Auto insurance is also known as vehicle or car or motor insurance. Auto insurance is very important as it saves owner from high costs involved in repairing vehicle (own), other property, or other driver's vehicle. As auto insurance has many noticeable benefits, many countries made it mandatory by the law. The insured person needs to pay an amount to insurance company, which is known as 'deductible' before their policy begins.
There are two categories of auto insurance:
· Full coverage auto insurance: This insurance protects (pays the damage costs) of insured car, owner's car, and any other car damaged at the time of accident.
· Third party auto insurance: It is also known as liability insurance. This insurance protects only another party's property at the time of accident (not the insured car owner).
Factors that affect the price of auto insurance:
Before buying automobile insurance, different factors like vehicle type, driving record, and amount of money to be paid towards charge of insurance are taken into consideration. Before selecting vehicle insurance a person need to know about the existing laws in the state.
· Type of vehicle (car): If the type of vehicle has more theft rate then the coverage (price of insurance) will be more.
· Area: If the area, where a person is living has high occurrence of accidents or vandalism (mischief), then the price of insurance is more.
· Use of car: If car is used regularly or traveling to work for long distances then the price of insurance is more.
· Age, sex and marital status and driving record: Young people (25 years) need to pay more price for insurance as they are more prone to accidents. Persons (drivers) who have records of doing accidents or violation of traffic rules need to pay more for insurance.
Different types of auto insurance are:
· Collision insurance: This insurance protects the insured person, when accident occurs due to overturning or hitting other vehicle or object.
· Bodily injury: This insurance provides protection, if person who insured his or her vehicle kills someone while driving.
· Comprehensive coverage: This insurance provides protection when the vehicle has physical damage caused due to non-collision or theft or fire or vandalism.
· Medical payments (no fault): This insurance pays medical expenses of injured driver and passengers at the time of accident.
· Uninsured motorist coverage: This insurance protects insured person and passengers, when accident is caused by other motorist who is not insured (legally).
Vehicle insurance is considered as best solution to recover heavy loss incurred at the time of accident. However, Insurance companies do not insure 100% value of vehicle and only insures 80% value of the vehicle. They do so to prevent fake losses of car (owner no longer wants to use car and claim that he had lost the car to claim for whole money of vehicle). So, before purchasing vehicle insurance know all the types of coverages and choose the deductible amount that you can pay, and then select the insurance coverage that is very much suitable for your vehicle.
There are two categories of auto insurance:
· Full coverage auto insurance: This insurance protects (pays the damage costs) of insured car, owner's car, and any other car damaged at the time of accident.
· Third party auto insurance: It is also known as liability insurance. This insurance protects only another party's property at the time of accident (not the insured car owner).
Factors that affect the price of auto insurance:
Before buying automobile insurance, different factors like vehicle type, driving record, and amount of money to be paid towards charge of insurance are taken into consideration. Before selecting vehicle insurance a person need to know about the existing laws in the state.
· Type of vehicle (car): If the type of vehicle has more theft rate then the coverage (price of insurance) will be more.
· Area: If the area, where a person is living has high occurrence of accidents or vandalism (mischief), then the price of insurance is more.
· Use of car: If car is used regularly or traveling to work for long distances then the price of insurance is more.
· Age, sex and marital status and driving record: Young people (25 years) need to pay more price for insurance as they are more prone to accidents. Persons (drivers) who have records of doing accidents or violation of traffic rules need to pay more for insurance.
Different types of auto insurance are:
· Collision insurance: This insurance protects the insured person, when accident occurs due to overturning or hitting other vehicle or object.
· Bodily injury: This insurance provides protection, if person who insured his or her vehicle kills someone while driving.
· Comprehensive coverage: This insurance provides protection when the vehicle has physical damage caused due to non-collision or theft or fire or vandalism.
· Medical payments (no fault): This insurance pays medical expenses of injured driver and passengers at the time of accident.
· Uninsured motorist coverage: This insurance protects insured person and passengers, when accident is caused by other motorist who is not insured (legally).
Vehicle insurance is considered as best solution to recover heavy loss incurred at the time of accident. However, Insurance companies do not insure 100% value of vehicle and only insures 80% value of the vehicle. They do so to prevent fake losses of car (owner no longer wants to use car and claim that he had lost the car to claim for whole money of vehicle). So, before purchasing vehicle insurance know all the types of coverages and choose the deductible amount that you can pay, and then select the insurance coverage that is very much suitable for your vehicle.
Monday, May 25, 2009
The Right Auto Insurance Can Save You Money!
Auto insurance is a protective feature that everyone needs who owns a car. Auto insurance allows you to have financial coverage in case you are involved in an auto accident; regardless of who is at fault. When shopping for auto insurance keep in mind that rates will vary dramatically for the same driver, depending on which company you ask. The key to savings lies in comparing many auto insurance quotes, to find the insurer that will give you the best rates.
If the auto insurance company you’re investigating is sound then it’s possible to purchase cheap auto insurance coverage that will give you peace of mind. Most states require you to purchase a minimum amount of auto insurance. In order to even drive your car you need to have at least liability insurance, in other words you have insurance to cover the expenses of the other party if you cause an insurance. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills.
There are some insurance companies that offer discounts to those drivers who put fewer than a predetermined number of miles on their cars each year. Considering the high price of gasoline, carpooling and taking public transportation such as buses around town can help you save more than just premium dollars.
You’ll find that there are many places to locate cheap auto insurance to not only save you money but to also give you adequate coverage and protection.
Hope you will Come back for more news, articles and tips on, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
If the auto insurance company you’re investigating is sound then it’s possible to purchase cheap auto insurance coverage that will give you peace of mind. Most states require you to purchase a minimum amount of auto insurance. In order to even drive your car you need to have at least liability insurance, in other words you have insurance to cover the expenses of the other party if you cause an insurance. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills.
There are some insurance companies that offer discounts to those drivers who put fewer than a predetermined number of miles on their cars each year. Considering the high price of gasoline, carpooling and taking public transportation such as buses around town can help you save more than just premium dollars.
You’ll find that there are many places to locate cheap auto insurance to not only save you money but to also give you adequate coverage and protection.
Hope you will Come back for more news, articles and tips on, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Saturday, May 23, 2009
Auto Insurance safety measures
Why do you need a five step guide to auto insurance shopping? Because, if you want to get the best coverage for your buck, shopping smart for your car insurance is the way to do it. Also, car insurance is one of the top ways to chisel down your insurance budget if you know how to do it right. Let's start with deciding what car insurance coverage you need:
1. What Kind of Coverage Do You Need?:
Before calling the insurance company and getting your insurance quote, take the time to decide what kind of coverage you need. In every state you have to have at least liability coverage. But, you need to decide if you would like to add these additional car insurance coverages.
2. Choosing an Insurance Company:
When you are ready to select your insurance provider, besides just looking for the best car insurance premium, you will want to take some time to research what insurance company you want to go with by learning about their financial strength. Another important aspect of choosing your insurance provider is knowing if and how they will use your credit score to determine your rate. Take the time to research different companies and then make a list of the providers you are interested in contacting for an insurance quote. Here are some tools to help you research your car insurance company.
3. Making the Call:
When you have your list of selected car insurance providers you are ready to start calling around to search for the one who can give you the best deal. It is important to have certain paperwork handy, such as your drivers license number. In addition, having a list of discounts you may be entitled to can save you some extra money. Here are some resources to help you when you are ready to make the call.
4. Understanding Your Car Insurance Policy:
Now that you have your car insurance policy, do you understand what it means? Did you get what you paid for? It is important to know how your car insurance policy works and how it can work for you. Here is some help in understanding your policy.
Hope you will Come back for more news, articles and tips on, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
1. What Kind of Coverage Do You Need?:
Before calling the insurance company and getting your insurance quote, take the time to decide what kind of coverage you need. In every state you have to have at least liability coverage. But, you need to decide if you would like to add these additional car insurance coverages.
2. Choosing an Insurance Company:
When you are ready to select your insurance provider, besides just looking for the best car insurance premium, you will want to take some time to research what insurance company you want to go with by learning about their financial strength. Another important aspect of choosing your insurance provider is knowing if and how they will use your credit score to determine your rate. Take the time to research different companies and then make a list of the providers you are interested in contacting for an insurance quote. Here are some tools to help you research your car insurance company.
3. Making the Call:
When you have your list of selected car insurance providers you are ready to start calling around to search for the one who can give you the best deal. It is important to have certain paperwork handy, such as your drivers license number. In addition, having a list of discounts you may be entitled to can save you some extra money. Here are some resources to help you when you are ready to make the call.
4. Understanding Your Car Insurance Policy:
Now that you have your car insurance policy, do you understand what it means? Did you get what you paid for? It is important to know how your car insurance policy works and how it can work for you. Here is some help in understanding your policy.
Hope you will Come back for more news, articles and tips on, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Friday, May 22, 2009
How to do Online auto or car insurance with cheap rates
You've bought everything else online, so why not car insurance? Many are now buying their car insurance online and finding that when they choose to shop from home to get an online auto insurance quote, they are getting more than just an insurance quote.
Instant Results:
Buying car insurance online is one of the best ways to get a quick and instant comparison of auto insurance quotes. Many online car insurance companies can now give you an instant online auto insurance quote. In addition, there are online websites that are not insurance companies, but serve rather as a search engine for insurance quotes so you can compare online auto insurance quotes from multiple companies. Getting instant results saves more than just time.
Cheap Auto Insurance:
Getting instant, real time online auto insurance quotes gives you a money savings advantage. Typically, when you look for a cheap car insurance quote from a local agent you end up spending so much time with one agent that you are likely to cave in and just purchase your car insurance from them. The agent knows this and they don't want to let you off the phone or out of their office until you purchase insurance from them. When you choose to buy car insurance online, you are in control and get the advantage of searching for car insurance quotes without the pressure. Getting more online auto insurance quotes that you can compare is a great way to get the cheap auto insurance you are looking for.
Instant Results:
Buying car insurance online is one of the best ways to get a quick and instant comparison of auto insurance quotes. Many online car insurance companies can now give you an instant online auto insurance quote. In addition, there are online websites that are not insurance companies, but serve rather as a search engine for insurance quotes so you can compare online auto insurance quotes from multiple companies. Getting instant results saves more than just time.
Cheap Auto Insurance:
Getting instant, real time online auto insurance quotes gives you a money savings advantage. Typically, when you look for a cheap car insurance quote from a local agent you end up spending so much time with one agent that you are likely to cave in and just purchase your car insurance from them. The agent knows this and they don't want to let you off the phone or out of their office until you purchase insurance from them. When you choose to buy car insurance online, you are in control and get the advantage of searching for car insurance quotes without the pressure. Getting more online auto insurance quotes that you can compare is a great way to get the cheap auto insurance you are looking for.
Thursday, May 21, 2009
How to Change our Current Car Insurance into Cheap Insurance
Are you getting cheap insurance for your car? This list will help you obtain cheap car insurance - not cheap in terms of quality but easy on your wallet! Get your car insurance policy and compare your savings with this list to see if you are getting all of the savings you are entitled to, or print it out and use it when getting a new policy or obtaining an online car insurance quote.
Top Ways to Change Your Current Car Insurance into Cheap Insurance:
1) Theft Devices: Most new cars have theft devices. Some are automatic and some have to be started at the touch of a button, but all usually get discounts on car insurance. Also, some states provide extra discounts for such things as window sketching.
2) for a Multiple Car Discount: Did you know sometimes insuring two cars can be the same price as insuring one? If not the same price, insuring another car usually does not cost as much as you may think. If you have two cars, it is very wise to check with your insurance agent, or while obtaining your online insurance quote, to make sure you can get this discount on your car insurance. Also, if you are planning to sell a second car, the cheap car insurance trick would be to keep that car on just liability to get your multiple car discount. Sometimes people are surprised when they call their car insurance company to take a car off of their insurance, only to find that their price did not go down but possibly increased!
3) With Yearly Policies: Choosing a yearly policy can extend your savings on your car insurance. Purchasing a yearly policy instead of a six month policy gives you a rate that cannot be changed for one year vs. changing every six months.
4) Look Into Comprehensive Storage Coverage: If you are planning to store your car for any period of time, you can save on your car insurance by only keeping comprehensive coverage during the storage time. Since the car would be stored, it is very unlikely it will get in a collision or need the liability coverage.
5) Re-Check Your Mileage: This is a great way to get cheap car insurance: If you are really close to the "miles to work" break-off, you may want to check your mileage closely. When your car insurance company or insurance agent asks you "How many miles do you drive to work one way?" this is a crucial question that will designate you into a particular class. Each class can have significant differences in prices.
6) Look for a Group Discount: Many companies offer a discount on car insurance for being affiliated with certain organizations. These can range from credit unions, college sororities, or just having a certain credit card. Call your service center and ask them for a list of organization affiliations.
7) Lower Liability, Comprehensive, Collision, or Medical Payments Coverages: Of course, you can lower your basic coverages but it may just give you the cheap insurance you need right no!. Comprehensive and collision are probably the first to look at lowering by increasing your deductibles on your car insurance. Most vehicles that are on bank loans can have up to a $1000 deductible. Next, lowering your liability and medical payments could help, but only if you are having a hard time paying for your premium and is not recommended for general savings.
8) EFT Payments: Many car insurance companies are now charging up to $5.00 or more for mail payments, but sometimes nothing if you choose to have payments automatically deducted. And, sometimes the deductions can come from your credit card, so you don't have to worry if the money will be in your bank account when payment time comes.
Hope you will Come back for more news, articles and tips on, Car Insurance into Cheap Insurance, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Top Ways to Change Your Current Car Insurance into Cheap Insurance:
1) Theft Devices: Most new cars have theft devices. Some are automatic and some have to be started at the touch of a button, but all usually get discounts on car insurance. Also, some states provide extra discounts for such things as window sketching.
2) for a Multiple Car Discount: Did you know sometimes insuring two cars can be the same price as insuring one? If not the same price, insuring another car usually does not cost as much as you may think. If you have two cars, it is very wise to check with your insurance agent, or while obtaining your online insurance quote, to make sure you can get this discount on your car insurance. Also, if you are planning to sell a second car, the cheap car insurance trick would be to keep that car on just liability to get your multiple car discount. Sometimes people are surprised when they call their car insurance company to take a car off of their insurance, only to find that their price did not go down but possibly increased!
3) With Yearly Policies: Choosing a yearly policy can extend your savings on your car insurance. Purchasing a yearly policy instead of a six month policy gives you a rate that cannot be changed for one year vs. changing every six months.
4) Look Into Comprehensive Storage Coverage: If you are planning to store your car for any period of time, you can save on your car insurance by only keeping comprehensive coverage during the storage time. Since the car would be stored, it is very unlikely it will get in a collision or need the liability coverage.
5) Re-Check Your Mileage: This is a great way to get cheap car insurance: If you are really close to the "miles to work" break-off, you may want to check your mileage closely. When your car insurance company or insurance agent asks you "How many miles do you drive to work one way?" this is a crucial question that will designate you into a particular class. Each class can have significant differences in prices.
6) Look for a Group Discount: Many companies offer a discount on car insurance for being affiliated with certain organizations. These can range from credit unions, college sororities, or just having a certain credit card. Call your service center and ask them for a list of organization affiliations.
7) Lower Liability, Comprehensive, Collision, or Medical Payments Coverages: Of course, you can lower your basic coverages but it may just give you the cheap insurance you need right no!. Comprehensive and collision are probably the first to look at lowering by increasing your deductibles on your car insurance. Most vehicles that are on bank loans can have up to a $1000 deductible. Next, lowering your liability and medical payments could help, but only if you are having a hard time paying for your premium and is not recommended for general savings.
8) EFT Payments: Many car insurance companies are now charging up to $5.00 or more for mail payments, but sometimes nothing if you choose to have payments automatically deducted. And, sometimes the deductions can come from your credit card, so you don't have to worry if the money will be in your bank account when payment time comes.
Hope you will Come back for more news, articles and tips on, Car Insurance into Cheap Insurance, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Wednesday, May 20, 2009
Car Insurance Company Rate Quote Comparison Worksheet
Looking for cheap car insurance? Comparing car insurance quotes and rates is one of the best ways to find cheap car insurance. This worksheet is designed to help you compare online car insurance quotes and get recommended car insurance coverages.
Below you will find a list of documents you will need to submit online car insurance quote information. Also included is a list of recommended coverages to compare when getting your car insurance rate quote.
What to Have Available to Obtain Your Car Insurance Quote:
1. Driver's License
2. Year, Make, Model of Vehicle
3. Vehicle Identification Number or VIN
4. Vehicle Finance Company
And Don't Forget Your Discounts:
Anti-theft Devices?
Airbags?
Anti-Lock Brakes?
Automatic Seat Belts?
Window Etching?
Multiple Car Discount?
Multiple Policy Discount?
List of Recommended Coverages to Compare When Getting Your Car Insurance Quote:
1) Injury Liability/each occurrence $300,000
2)Property Damage Liability/each occurrence $100,000
3)Medical Payments/each person $10,000
4)Uninsured Motorist Bodily Injury Liability/each accident $300,000
5)Uninsured Motorist Property Damage/each accident $10,000
6)Collision Deductible $500
7)Comprehensive (other than collision) Deductible $0-100
Below you will find a list of documents you will need to submit online car insurance quote information. Also included is a list of recommended coverages to compare when getting your car insurance rate quote.
What to Have Available to Obtain Your Car Insurance Quote:
1. Driver's License
2. Year, Make, Model of Vehicle
3. Vehicle Identification Number or VIN
4. Vehicle Finance Company
And Don't Forget Your Discounts:
Anti-theft Devices?
Airbags?
Anti-Lock Brakes?
Automatic Seat Belts?
Window Etching?
Multiple Car Discount?
Multiple Policy Discount?
List of Recommended Coverages to Compare When Getting Your Car Insurance Quote:
1) Injury Liability/each occurrence $300,000
2)Property Damage Liability/each occurrence $100,000
3)Medical Payments/each person $10,000
4)Uninsured Motorist Bodily Injury Liability/each accident $300,000
5)Uninsured Motorist Property Damage/each accident $10,000
6)Collision Deductible $500
7)Comprehensive (other than collision) Deductible $0-100
Tuesday, May 19, 2009
Ways to save our homeowners insurance
There are many ways to save with your homeowners insurance. You can print this list to use while shopping online or with a local agent.
1. Car/Home Discount: Insuring your car and home with the same company often will give you a package discount. This is a good tool to use when shopping around. Usually the agent can tell you what percent the discount is for insuring your car and home together.
2. Deductible: Raising your deductible can lead to substantial savings. Furthermore, it is best to have a large deductible to prevent you from using your insurance for small claims since many insurance companies are now adding a surcharge to as little as one claim, and surcharges can range anywhere from 10-85% depending on how many claims you file during a given time period.
3. Home Security Systems: Special burglar alarms can prevent losses and therefore make your house less of an insurance risk. Most any type of security system will help give you a discount, but the type that directly responds to local police and fire departments are most likely going to give you the most discount.
4. Dead Bolt Locks: Most agents will ask you this, but check again to make sure you are not loosing a discount if you already have them. If you don't, it is well worth it. Dead bolt locks are very inexpensive compared to the possible insurance savings, but make sure all of your doors have them because usually the discount only applies if there are dead bolt locks on every door.
1. Car/Home Discount: Insuring your car and home with the same company often will give you a package discount. This is a good tool to use when shopping around. Usually the agent can tell you what percent the discount is for insuring your car and home together.
2. Deductible: Raising your deductible can lead to substantial savings. Furthermore, it is best to have a large deductible to prevent you from using your insurance for small claims since many insurance companies are now adding a surcharge to as little as one claim, and surcharges can range anywhere from 10-85% depending on how many claims you file during a given time period.
3. Home Security Systems: Special burglar alarms can prevent losses and therefore make your house less of an insurance risk. Most any type of security system will help give you a discount, but the type that directly responds to local police and fire departments are most likely going to give you the most discount.
4. Dead Bolt Locks: Most agents will ask you this, but check again to make sure you are not loosing a discount if you already have them. If you don't, it is well worth it. Dead bolt locks are very inexpensive compared to the possible insurance savings, but make sure all of your doors have them because usually the discount only applies if there are dead bolt locks on every door.
Monday, May 18, 2009
Health insurance rates
Readers of the FedSmith site have been asking questions about the health benefits premiums they will be paying in 2009.
According to OPM, federal employees in the FEHBP will pay, on average about 8% more for their health coverage next year. The reality is that the average increase in cost may not be that important as some are going up much more and some will be going up less than the 8%. There are about 269 different options available and there is a wide range of price changes.
Here is the good news: About 20% of those in the FEHBP will have an increase of less than 5%. For those federal employees and retirees who pay attention to these things, you will note that the average GS federal pay increase for next year will be 3.9%. (This is just an average just as the 8% rise in health benefits premiums is just an average.) Federal retirees who qualify for the full COLA increase will probably be getting a bump of about 6% in January although the final increase is not yet known.
In effect, the percentage increase in your health insurance benefit premium is likely to exceed the percentage increase in your raise of COLA.
The open enrollment season for changing your health benefits plan starts November 10th - December 8th.
A word of caution when looking at the premium rates for your health insurance plan. Each person has a different situation. You will want to learn more about the details of a health plan before you enroll. The least expensive plan or the most expensive plan may not be the best one for your particular situation so consider all of the factors including your own health situation and the benefits a particular plan would provide you.
As far as the rates go for federal employees, excluding the rates for Postal Service employees which are different, the plan with the biggest dollar increase next year is the Blue Cross standard family plan which will go up $42.12 to a total of $356.59 per month while the "standard self" plan will rise $17.40 for a total monthly employee payment of $152.06.
The Blue Cross plans are among the most popular plans. For 2009, the rate for the Blue Cross basic family plan will go up $17.87 per month to a total of $216.48. The "basic self" Blue Cross plan will go up $7.65 to a total of $92.44 per month.
The Mail Handlers Standard Family plan also went up quite a bit. It will have a monthly increase in the employee premium of $37.89 (rising to $278.76) while the standard plan for an individual will go up $16.53 per month to a total of $129.70.
For those who may be wondering if there are any decreases in federal health plans next year, the answer is "yes." The SAMBA "high family" option is going down $50.40 per month to a total of $529.88 for the employee portion of expenses while the "high self" option will decrease by $23.01 to a total employee monthly payment of $212.10.
Here is the OPM chart outlining the 2009 non-Postal rates.
We always get questions about why it is so much more expensive for a family plan than the cost of health insurance for one person. The person asking the question is usually asking the question because the "family" in this case is two people with no children or children who are no longer covered. The answer is simple. The government "family plan" covers everyone in the family. In effect, a couple covered by a family plan is paying higher premiums to cover other families that may have three children and two parents. It's a great deal for the larger family but not so good for the smaller family.
Some readers also ask why the cost of health insurance is the same for smokers and non-smokers based on the assumption that smokers are going to have more claims and more health problems. There is plenty of evidence to support that contention. The political reality is that OPM probably does not want to open up Pandora's Box. There is little doubt that once the question of different rates for a different lifestyle is raised, advocates for a wide variety of lifestyle choices will emerge and a royal battle would ensue for different interest groups seeking better rates.
One other significant change the some readers will see in their health plan next year. There is a change, highlighted by the National Association of Retired Federal Employees (NARFE), regarding the cost of prescription drugs. There is an 85% increase in the co-payment cost of mail order prescription drugs which will rise from $35 to $65 under the Blue Cross Blue Shield mail order program.
Here is a quick summary of the information outlined above. Place your cursor at the top of each bar to see the exact dollar figure of the change.
Hope you will Come back for more news, articles and tips on, Health insurance rates, Car Insurance into Cheap Insurance, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
According to OPM, federal employees in the FEHBP will pay, on average about 8% more for their health coverage next year. The reality is that the average increase in cost may not be that important as some are going up much more and some will be going up less than the 8%. There are about 269 different options available and there is a wide range of price changes.
Here is the good news: About 20% of those in the FEHBP will have an increase of less than 5%. For those federal employees and retirees who pay attention to these things, you will note that the average GS federal pay increase for next year will be 3.9%. (This is just an average just as the 8% rise in health benefits premiums is just an average.) Federal retirees who qualify for the full COLA increase will probably be getting a bump of about 6% in January although the final increase is not yet known.
In effect, the percentage increase in your health insurance benefit premium is likely to exceed the percentage increase in your raise of COLA.
The open enrollment season for changing your health benefits plan starts November 10th - December 8th.
A word of caution when looking at the premium rates for your health insurance plan. Each person has a different situation. You will want to learn more about the details of a health plan before you enroll. The least expensive plan or the most expensive plan may not be the best one for your particular situation so consider all of the factors including your own health situation and the benefits a particular plan would provide you.
As far as the rates go for federal employees, excluding the rates for Postal Service employees which are different, the plan with the biggest dollar increase next year is the Blue Cross standard family plan which will go up $42.12 to a total of $356.59 per month while the "standard self" plan will rise $17.40 for a total monthly employee payment of $152.06.
The Blue Cross plans are among the most popular plans. For 2009, the rate for the Blue Cross basic family plan will go up $17.87 per month to a total of $216.48. The "basic self" Blue Cross plan will go up $7.65 to a total of $92.44 per month.
The Mail Handlers Standard Family plan also went up quite a bit. It will have a monthly increase in the employee premium of $37.89 (rising to $278.76) while the standard plan for an individual will go up $16.53 per month to a total of $129.70.
For those who may be wondering if there are any decreases in federal health plans next year, the answer is "yes." The SAMBA "high family" option is going down $50.40 per month to a total of $529.88 for the employee portion of expenses while the "high self" option will decrease by $23.01 to a total employee monthly payment of $212.10.
Here is the OPM chart outlining the 2009 non-Postal rates.
We always get questions about why it is so much more expensive for a family plan than the cost of health insurance for one person. The person asking the question is usually asking the question because the "family" in this case is two people with no children or children who are no longer covered. The answer is simple. The government "family plan" covers everyone in the family. In effect, a couple covered by a family plan is paying higher premiums to cover other families that may have three children and two parents. It's a great deal for the larger family but not so good for the smaller family.
Some readers also ask why the cost of health insurance is the same for smokers and non-smokers based on the assumption that smokers are going to have more claims and more health problems. There is plenty of evidence to support that contention. The political reality is that OPM probably does not want to open up Pandora's Box. There is little doubt that once the question of different rates for a different lifestyle is raised, advocates for a wide variety of lifestyle choices will emerge and a royal battle would ensue for different interest groups seeking better rates.
One other significant change the some readers will see in their health plan next year. There is a change, highlighted by the National Association of Retired Federal Employees (NARFE), regarding the cost of prescription drugs. There is an 85% increase in the co-payment cost of mail order prescription drugs which will rise from $35 to $65 under the Blue Cross Blue Shield mail order program.
Here is a quick summary of the information outlined above. Place your cursor at the top of each bar to see the exact dollar figure of the change.
Hope you will Come back for more news, articles and tips on, Health insurance rates, Car Insurance into Cheap Insurance, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Sunday, May 17, 2009
Texas Department of Insurance
The Texas Department of Insurance is responsible for regulating all types of insurance sold in the state of Texas, including health insurance policies.
If you are looking for health insurance coverage, the Department of Insurance has a list of insurance companies licensed to sell individual policies in Texas.
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees. For example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage (for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan) contact your regional EBSA office.
Buying Individual Policies in Texas
As a general rule, insurers in Texas are allowed to reject your application for coverage based on your health status. However, you may qualify for coverage as a "HIPAA-eligible" individual if you:
* had at least 18 months of continuous creditable coverage, the last day of which was under a group plan
AND
* you have exhausted all COBRA continuation coverage which was available to you
People who are HIPAA-eligible are guaranteed the right to buy an individual policy from a private insurer. You can also buy insurance through Texas Health Insurance Risk Pool (described below). If you are not sure whether you are a HIPAA-eligible individual, your insurance agent or the Texas Department of Insurance can help you find out.
If you are looking for health insurance coverage, the Department of Insurance has a list of insurance companies licensed to sell individual policies in Texas.
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees. For example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage (for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan) contact your regional EBSA office.
Buying Individual Policies in Texas
As a general rule, insurers in Texas are allowed to reject your application for coverage based on your health status. However, you may qualify for coverage as a "HIPAA-eligible" individual if you:
* had at least 18 months of continuous creditable coverage, the last day of which was under a group plan
AND
* you have exhausted all COBRA continuation coverage which was available to you
People who are HIPAA-eligible are guaranteed the right to buy an individual policy from a private insurer. You can also buy insurance through Texas Health Insurance Risk Pool (described below). If you are not sure whether you are a HIPAA-eligible individual, your insurance agent or the Texas Department of Insurance can help you find out.
Saturday, May 16, 2009
Alaska Division of Insurance
The Alaska Division of Insurance is responsible for regulating all types of insurance sold in the state of Alaska - including health insurance policies. They have two offices - one located in Anchorage and one located in Juneau. Either one can help, so choose the office closest to you.
If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Alaska.
Alaska Comprehensive Health Insurance Association (ACHIA)
ACHIA offers coverage to individuals who are unable to purchase an individual health insurance policy because they have pre-existing health conditions. If you have been diagnosed with one of the health conditions listed on the ACHIA website, you are automatically eligible for ACHIA coverage - you do not need to apply and be rejected by an individual insurer first.
ACHIA also offer coverage to "HIPAA-eligible" individuals. This refers to people who have left job-based group coverage AND have elected and fully exhausted any COBRA or state-operated continuation coverage they were offered. ACHIA is intended to provide a permanent coverage option for people who are unable to find insurance after leaving their job and using all of the temporary coverage they have available to them.
Hope you will Come back for more news, articles and tips on, Alaska Division of Insurance, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Alaska.
Alaska Comprehensive Health Insurance Association (ACHIA)
ACHIA offers coverage to individuals who are unable to purchase an individual health insurance policy because they have pre-existing health conditions. If you have been diagnosed with one of the health conditions listed on the ACHIA website, you are automatically eligible for ACHIA coverage - you do not need to apply and be rejected by an individual insurer first.
ACHIA also offer coverage to "HIPAA-eligible" individuals. This refers to people who have left job-based group coverage AND have elected and fully exhausted any COBRA or state-operated continuation coverage they were offered. ACHIA is intended to provide a permanent coverage option for people who are unable to find insurance after leaving their job and using all of the temporary coverage they have available to them.
Hope you will Come back for more news, articles and tips on, Alaska Division of Insurance, Auto Insurance, Business Insurance, Car Insurance, Dental Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Travel Insurance, Health Insurance, Disability Income Insurance, Pet Insurance and other Insurance Options, Top Insurance Companies, Online Insurance Tips, with Suggestions and Best Practices which you have never seen before anywhere.
Monday, March 16, 2009
Finding Cheap Car Insurance
Finding cheap car insurance can be a lot like finding a needle in a haystack. It’s long and frustrating and can lead to fits of uncontrollable swearing and temper tantrums. However, unlike the endless quest for that needle, finding the least expensive car insurance has a point. The more coverage you can get at the lowest price means more money in your wallet and a lot less stress about paying your other bills.
But which companies offer the cheapest insurance? That really depends on what you’re looking for. The amount of coverage you want will determine the price, along with your age, driving record and where you live.
Take for example, Geico. Everyone knows the little green gecko ads. They are extremely effective. But how much would they charge a 21-year-old male living in the suburbs outside of Boston, MA? Let’s say that 21-year-old is looking only for liability coverage, forgoing comprehensive, collision and medical coverage for a 1995 Chevy Cavalier. Let’s assume he has a clean driving record with no accidents or speeding tickets reported. If he selects all the minimum liability amounts for bodily injury, property damage and personal injury, his premium will be $83.30 a month, or $999.60 per year. That same 21-year-old living in Carmel-By-The-Sea in California would pay $56.32 a month or $675.84 a year for insurance, under the same conditions, searching for the same amount of coverage.
As any smart shopper would, it pays to check out Geico’s competition. A quick visit to Amica Mutual’s web site, using the same criteria with the same 21-year-old male, shows he would be paying an annual rate of $799 in suburban Massachusetts and $695.54 in sunny California. So the 21-year-old in Massachusetts would be smart to choose Amica Mutual for his car insurance, while the 21-year-old in California would more than likely choose Geico.
Why the discrepancy? Different states demand different minimums for liability coverage. Massachusetts sets minimum bodily injury liability coverage at $20,000 with a maximum payout of $40,000 per accident, along with a $5,000 limit for property damage. There is also a mandatory minimum for any uninsured drivers who might get behind the wheel of your car, also set at $20,000 with a max payout of $40,000. In California, the minimums are lower, with bodily injury set at $15,000 with a max payout of $30,000 and a minimum $5,000 property damage liability coverage. California does not require drivers to carry coverage for any uninsured or casual drivers who might get behind the wheel.
One good indicator of where to start looking for cost-effective car insurance is consumer surveys. Survey giant J.D. Power & Associates rank customer satisfaction with insurance companies annually. In their latest ranking, Amica Mutual topped the list, with State Farm and Shelter taking the second and third spots. Some other big names, like Geico and Progressive ranked further down the list, coming in at nine and 14, respectively.
One thing cannot be stressed enough: where you live plays a large role in determining how much you pay. Keep in mind, our 21-year-old in Massachusetts was living within 25 miles of a major urban centre, with a higher population density than picturesque Carmel-By-The-Sea. In fact, Massachusetts is one of the more expensive states where one can obtain insurance. In a nationwide survey done in 2005 (the latest figures available), five Northeastern states (New Jersey, New York, Massachusetts, Rhode Island and Delaware) ranked in the top 10 most expensive states for car insurance. Connecticut comes in at number 11. Drivers in New Jersey drivers pay an average of $1336.20 in premiums a year. Only Maine, with its sparse population, ranked in the top ten for lowest car insurance rates. The Midwest makes up the rest of the list with Iowa being ranked the cheapest place to obtain car insurance. Drivers in Iowa drive easy knowing they’re paying an average of $664.20 in premiums every year.
But which companies offer the cheapest insurance? That really depends on what you’re looking for. The amount of coverage you want will determine the price, along with your age, driving record and where you live.
Take for example, Geico. Everyone knows the little green gecko ads. They are extremely effective. But how much would they charge a 21-year-old male living in the suburbs outside of Boston, MA? Let’s say that 21-year-old is looking only for liability coverage, forgoing comprehensive, collision and medical coverage for a 1995 Chevy Cavalier. Let’s assume he has a clean driving record with no accidents or speeding tickets reported. If he selects all the minimum liability amounts for bodily injury, property damage and personal injury, his premium will be $83.30 a month, or $999.60 per year. That same 21-year-old living in Carmel-By-The-Sea in California would pay $56.32 a month or $675.84 a year for insurance, under the same conditions, searching for the same amount of coverage.
As any smart shopper would, it pays to check out Geico’s competition. A quick visit to Amica Mutual’s web site, using the same criteria with the same 21-year-old male, shows he would be paying an annual rate of $799 in suburban Massachusetts and $695.54 in sunny California. So the 21-year-old in Massachusetts would be smart to choose Amica Mutual for his car insurance, while the 21-year-old in California would more than likely choose Geico.
Why the discrepancy? Different states demand different minimums for liability coverage. Massachusetts sets minimum bodily injury liability coverage at $20,000 with a maximum payout of $40,000 per accident, along with a $5,000 limit for property damage. There is also a mandatory minimum for any uninsured drivers who might get behind the wheel of your car, also set at $20,000 with a max payout of $40,000. In California, the minimums are lower, with bodily injury set at $15,000 with a max payout of $30,000 and a minimum $5,000 property damage liability coverage. California does not require drivers to carry coverage for any uninsured or casual drivers who might get behind the wheel.
One good indicator of where to start looking for cost-effective car insurance is consumer surveys. Survey giant J.D. Power & Associates rank customer satisfaction with insurance companies annually. In their latest ranking, Amica Mutual topped the list, with State Farm and Shelter taking the second and third spots. Some other big names, like Geico and Progressive ranked further down the list, coming in at nine and 14, respectively.
One thing cannot be stressed enough: where you live plays a large role in determining how much you pay. Keep in mind, our 21-year-old in Massachusetts was living within 25 miles of a major urban centre, with a higher population density than picturesque Carmel-By-The-Sea. In fact, Massachusetts is one of the more expensive states where one can obtain insurance. In a nationwide survey done in 2005 (the latest figures available), five Northeastern states (New Jersey, New York, Massachusetts, Rhode Island and Delaware) ranked in the top 10 most expensive states for car insurance. Connecticut comes in at number 11. Drivers in New Jersey drivers pay an average of $1336.20 in premiums a year. Only Maine, with its sparse population, ranked in the top ten for lowest car insurance rates. The Midwest makes up the rest of the list with Iowa being ranked the cheapest place to obtain car insurance. Drivers in Iowa drive easy knowing they’re paying an average of $664.20 in premiums every year.
Monday, February 16, 2009
Ways To Save On Your Car Insurance
Saving on your car insurance is easier than you might imagine. Here are three ways to reduce your costs, as well as an estimate of potential savings based on the national median rate of about $1,400 per year reported by Insurance Rates. If you pay more than the median rate, you could save even more.
1) Take a hard look at your deductible. According to the Insurance Information Institute (III), raising your deductible from $250 to $1,000 could reduce your collision and comprehensive coverage costs by up to 40 percent. You'll incur higher costs should you need to file a claim, but the amount you'll save on your premiums may be well worth it.
Estimated Savings: $170 per year
2) Combine your auto insurance policy and either home or renters insurance policy with a single insurer. According to the III, converting to a multilevel policy could save you as much as 15 percent on your auto premium. Plus, you'll have one fewer bill to pay each month.
Estimated Savings: $210 per year
3) If you can afford to, pay your auto insurance premium in one lump sum. Many insurers charge a fee to break up your premium into monthly payments, and even a few dollars a month could amount to a hefty surcharge.
Estimated Savings: $60 per year
In addition, make sure you shop around and speak with agents from several different companies. Insurance providers often specialize in different types of drivers, and depending on your personal circumstances, it's probably worth your while to compare quotes.
1) Take a hard look at your deductible. According to the Insurance Information Institute (III), raising your deductible from $250 to $1,000 could reduce your collision and comprehensive coverage costs by up to 40 percent. You'll incur higher costs should you need to file a claim, but the amount you'll save on your premiums may be well worth it.
Estimated Savings: $170 per year
2) Combine your auto insurance policy and either home or renters insurance policy with a single insurer. According to the III, converting to a multilevel policy could save you as much as 15 percent on your auto premium. Plus, you'll have one fewer bill to pay each month.
Estimated Savings: $210 per year
3) If you can afford to, pay your auto insurance premium in one lump sum. Many insurers charge a fee to break up your premium into monthly payments, and even a few dollars a month could amount to a hefty surcharge.
Estimated Savings: $60 per year
In addition, make sure you shop around and speak with agents from several different companies. Insurance providers often specialize in different types of drivers, and depending on your personal circumstances, it's probably worth your while to compare quotes.
Friday, January 16, 2009
Auto Insurance Shopping
Understand How Auto Insurance Rates Are Set Auto Insurance Shopping:
(NC)—If you're shopping around for auto insurance it's important to know how insurance companies set their rates. Many factors are at play, so here are some useful tips from the Financial Services Commission of Ontario (FSCO), the regulator of the auto insurance industry in Ontario, to keep your rates as low as possible.
The auto insurance rate you are charged will depend upon:
• The type of vehicleyou drive. Auto insurance companies evaluate vehicles based on their makes and models, according to their claims experience. Vehicles with lower costs for repairs, lower rates of injury, and lower incidences of accident and theft, will receive lower rates.
• Your driving record, which includes your years of driving experience, past at-fault accidents, completed training courses, and convictions such as speeding or impaired driving.
• Driving routine and frequency. The more time you spend on the road, the higher the chances of becoming involved in an auto accident.
• Where you live. If you live in a busy urban area, there is greater risk for accidents and theft, thus higher rates are charged.
• Your age. Costs are generally lower for drivers 25 years of age and older.
• The amount of coverage you purchase. Your insurance rates will be higher if you purchase additional protection beyond what is mandatory, such as the optional collision coverage, which protects you for damage to your vehicle, regardless of who caused the accident.
• The deductible, which is the portion of a loss that you are required to pay. Your deductible can vary depending on the type of coverage you purchase and the percentage of fault you are assigned in the event of an auto insurance accident. There are deductibles for direct compensation-property damage, collision or upset, comprehensive, all perils, and specified perils coverage. If you opt for a higher deductible, your rates will likely be lower.
• The insurance company you choose. It's important to shop around because financial factors unique to each insurance company will influence your rates. Insurance works according to a "pooling" concept. Your rates are based on the claims experience of the entire group. Some insurance companies have claims that are much higher than others. This results in some insurance companies setting higher rates than others for the same type of insurance coverage.
Factors that cannot affect insurance rates
Under Ontario law, insurance companies cannot use certain criteria to set your auto insurance rates, such as: credit history or rating, past bankruptcy, income and employment status, debts, whether you rent or own a home and not-at-fault accidents.
(NC)—If you're shopping around for auto insurance it's important to know how insurance companies set their rates. Many factors are at play, so here are some useful tips from the Financial Services Commission of Ontario (FSCO), the regulator of the auto insurance industry in Ontario, to keep your rates as low as possible.
The auto insurance rate you are charged will depend upon:
• The type of vehicleyou drive. Auto insurance companies evaluate vehicles based on their makes and models, according to their claims experience. Vehicles with lower costs for repairs, lower rates of injury, and lower incidences of accident and theft, will receive lower rates.
• Your driving record, which includes your years of driving experience, past at-fault accidents, completed training courses, and convictions such as speeding or impaired driving.
• Driving routine and frequency. The more time you spend on the road, the higher the chances of becoming involved in an auto accident.
• Where you live. If you live in a busy urban area, there is greater risk for accidents and theft, thus higher rates are charged.
• Your age. Costs are generally lower for drivers 25 years of age and older.
• The amount of coverage you purchase. Your insurance rates will be higher if you purchase additional protection beyond what is mandatory, such as the optional collision coverage, which protects you for damage to your vehicle, regardless of who caused the accident.
• The deductible, which is the portion of a loss that you are required to pay. Your deductible can vary depending on the type of coverage you purchase and the percentage of fault you are assigned in the event of an auto insurance accident. There are deductibles for direct compensation-property damage, collision or upset, comprehensive, all perils, and specified perils coverage. If you opt for a higher deductible, your rates will likely be lower.
• The insurance company you choose. It's important to shop around because financial factors unique to each insurance company will influence your rates. Insurance works according to a "pooling" concept. Your rates are based on the claims experience of the entire group. Some insurance companies have claims that are much higher than others. This results in some insurance companies setting higher rates than others for the same type of insurance coverage.
Factors that cannot affect insurance rates
Under Ontario law, insurance companies cannot use certain criteria to set your auto insurance rates, such as: credit history or rating, past bankruptcy, income and employment status, debts, whether you rent or own a home and not-at-fault accidents.
Tuesday, January 6, 2009
How Your Auto Insurance Rates Are Determined
Your auto insurance rates are determined by a number of factors:
driving record
usage, how you are using the vehicle, work, pleasure, business
how many drivers you have and their ages
how many vehicles you have
what kind of coverage limits you want
what area you live in
your payment history
what color car you drive
your insurance credit score
your claims history
your occupation and how many years you have lived at your current residence
how fast you can solve a Rubix cube
your daily, weekly, annual mileage
This are all auto insurance information which we have to follow
There is a lot of information about you that is used to determine your rates. You are grouped or pooled together with similar drives of the same background that way you are not paying for drivers that are much worse than you.
Similar risks will pay similar rates with auto insurance.
Your usage affects your rates because if you are driving to and from work or school 5 days a week, 15 miles one way you have a higher chance of getting in a accident than someone who only drives 1 mile 1 way 3 days a week or someone who works from home and only drives to get groceries. So business, work, and school usage is higher than pleasure usage.
The area you live in affects your rates due to the fact that one area or town may have a higher incidence of claims than another area. One area may have higher lawsuit payouts or higher theft rates than another area. Even if you live in a affulent area your rates may be higher due to the higher value vehicles in your area cost more to fix than in an area with lower value vehicles.
Although you may have heard that if you drive a red car you will pay higher rates but this is not true. It is a myth. GEICO, USAA (For Military Only), and Allstate, to name a few, don't even ask what color car you drive when you apply for a quote. And your VIN number doesn't give this info either.
If you have one car and three drivers you will pay more because that car will get used alot more than if you had only 1 driver and 1 car.
If you have had a poor payment history or your policy has cancelled due to non payment you will have higher rates when you try to reapply for insurance.
The higher your insurance credit score the better. The auto insurance credit score is similar to your FICO credit score such that the higher your FICO score the lower your interest rate and the higher your insurance credit score the lower your insurance premium.
Your claims history will affect you for a minimum of 3 years. If you have filed a claimed or if you even mentioned a claim to your insurance company it can and most likely will affect your rates
driving record
usage, how you are using the vehicle, work, pleasure, business
how many drivers you have and their ages
how many vehicles you have
what kind of coverage limits you want
what area you live in
your payment history
what color car you drive
your insurance credit score
your claims history
your occupation and how many years you have lived at your current residence
how fast you can solve a Rubix cube
your daily, weekly, annual mileage
This are all auto insurance information which we have to follow
There is a lot of information about you that is used to determine your rates. You are grouped or pooled together with similar drives of the same background that way you are not paying for drivers that are much worse than you.
Similar risks will pay similar rates with auto insurance.
Your usage affects your rates because if you are driving to and from work or school 5 days a week, 15 miles one way you have a higher chance of getting in a accident than someone who only drives 1 mile 1 way 3 days a week or someone who works from home and only drives to get groceries. So business, work, and school usage is higher than pleasure usage.
The area you live in affects your rates due to the fact that one area or town may have a higher incidence of claims than another area. One area may have higher lawsuit payouts or higher theft rates than another area. Even if you live in a affulent area your rates may be higher due to the higher value vehicles in your area cost more to fix than in an area with lower value vehicles.
Although you may have heard that if you drive a red car you will pay higher rates but this is not true. It is a myth. GEICO, USAA (For Military Only), and Allstate, to name a few, don't even ask what color car you drive when you apply for a quote. And your VIN number doesn't give this info either.
If you have one car and three drivers you will pay more because that car will get used alot more than if you had only 1 driver and 1 car.
If you have had a poor payment history or your policy has cancelled due to non payment you will have higher rates when you try to reapply for insurance.
The higher your insurance credit score the better. The auto insurance credit score is similar to your FICO credit score such that the higher your FICO score the lower your interest rate and the higher your insurance credit score the lower your insurance premium.
Your claims history will affect you for a minimum of 3 years. If you have filed a claimed or if you even mentioned a claim to your insurance company it can and most likely will affect your rates
Monday, January 5, 2009
Time to Review Your Auto Insurance Policy
"The beginning Auto Insurance of the year is a great time to get your financial house in order," says Wade Bontrager, vice president of Marketing for GMAC Insurance. "While you're already looking at your finances, it's easy to get out that auto insurance policy and make sure you're getting everything you can from it."
Bontrager says it is also worthwhile to review your policy when it comes time to renew with Auto Insurance. "While 43 percent of drivers report comparison-shopping when looking for an auto insurance policy, 33 percent of drivers don't even think about it -; they simply renew their existing policy and leave it at that."
Bontrager advises Americans to review their auto insurance policies when:
- Your auto insurance company has new offerings. Your insurance company might have introduced new, beneficial services. So, take advantage of them.
- You drive less. If high gas prices have lowered your annual driving mileage, some companies now offer a substantial low-mileage discount, such as the Low-Mileage Discount launched in 2008 by GMAC Insurance in collaboration with OnStar.
- You could save money. Make sure your coverage is at a sufficient level to protect your assets, but also research any discounts that you may qualify for, such as a multi-vehicle discount that saves you money when you insure more than one vehicle with the same company.
- You have a specialized vehicle. If you have a specialized vehicle, whether it's an RV or a commercial vehicle, a standard auto insurance policy will not provide the coverage you really need. Check with your auto insurer to see if they offer specialized policies. If not, consider switching to a company that does. If you move all of your auto insurance policies to one company, you may be eligible for a loyalty discount.
Bontrager says it is also worthwhile to review your policy when it comes time to renew with Auto Insurance. "While 43 percent of drivers report comparison-shopping when looking for an auto insurance policy, 33 percent of drivers don't even think about it -; they simply renew their existing policy and leave it at that."
Bontrager advises Americans to review their auto insurance policies when:
- Your auto insurance company has new offerings. Your insurance company might have introduced new, beneficial services. So, take advantage of them.
- You drive less. If high gas prices have lowered your annual driving mileage, some companies now offer a substantial low-mileage discount, such as the Low-Mileage Discount launched in 2008 by GMAC Insurance in collaboration with OnStar.
- You could save money. Make sure your coverage is at a sufficient level to protect your assets, but also research any discounts that you may qualify for, such as a multi-vehicle discount that saves you money when you insure more than one vehicle with the same company.
- You have a specialized vehicle. If you have a specialized vehicle, whether it's an RV or a commercial vehicle, a standard auto insurance policy will not provide the coverage you really need. Check with your auto insurer to see if they offer specialized policies. If not, consider switching to a company that does. If you move all of your auto insurance policies to one company, you may be eligible for a loyalty discount.
Sunday, January 4, 2009
Privacy Policy
Privacy Policy for http://highautoinsurancecompanies.blogspot.com/
At http://highautoinsurancecompanies.blogspot.com/, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by http://highautoinsurancecompanies.blogspot.com/ and how it is used.
Log Files
Like many other Web sites, http://highautoinsurancecompanies.blogspot.com/ makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
Cookies and Web Beacons
http://highautoinsurancecompanies.blogspot.com does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.
DoubleClick DART Cookie
.:: Google, as a third party vendor, uses cookies to serve ads on http://highautoinsurancecompanies.blogspot.com/.
.:: Google's use of the DART cookie enables it to serve ads to users based on their visit to http://highautoinsurancecompanies.blogspot.com/ and other sites on the Internet.
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL - http://www.google.com/privacy_ads.html
Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include ....
Google Adsense
These third-party ad servers or ad networks use technology to the advertisements and links that appear on http://highautoinsurancecompanies.blogspot.com send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.
http://highautoinsurancecompanies.blogspot.com/ has no access to or control over these cookies that are used by third-party advertisers.
You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. http://highautoinsurancecompanies.blogspot.com/'s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.
If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.
At http://highautoinsurancecompanies.blogspot.com/, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by http://highautoinsurancecompanies.blogspot.com/ and how it is used.
Log Files
Like many other Web sites, http://highautoinsurancecompanies.blogspot.com/ makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
Cookies and Web Beacons
http://highautoinsurancecompanies.blogspot.com does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.
DoubleClick DART Cookie
.:: Google, as a third party vendor, uses cookies to serve ads on http://highautoinsurancecompanies.blogspot.com/.
.:: Google's use of the DART cookie enables it to serve ads to users based on their visit to http://highautoinsurancecompanies.blogspot.com/ and other sites on the Internet.
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL - http://www.google.com/privacy_ads.html
Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include ....
Google Adsense
These third-party ad servers or ad networks use technology to the advertisements and links that appear on http://highautoinsurancecompanies.blogspot.com send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.
http://highautoinsurancecompanies.blogspot.com/ has no access to or control over these cookies that are used by third-party advertisers.
You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. http://highautoinsurancecompanies.blogspot.com/'s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.
If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.
Subscribe to:
Posts (Atom)