auto insurance quotes

InsuranceAgents.com is Feelin

admin — Fri, 30 Apr 2010 19:41:00 +0000

InsuranceAgents.com teams up with direct mail marketing maven, PostcardMania, to better hone in marketing efforts for their clients.

Clearwater, FL Looking to provide their agents with a new, highly targeted way to promote their business, InsuranceAgents.com has brought on PostcardMania as their direct mail marketing experts.

As part of their lead generation business platform, InsuranceAgents.com was looking for ways that agents can use to stay in front of and keep in contact with potential leads and customers, other than phone and email contact. Realizing how effective and inexpensive direct mail marketing is, CEO Seth Kravitz chose to partner with direct mail marketing experts, PostcardMania.

“We liked what your company [PostcardMania] had to offer and you seemed to be one of the biggest in the field so we felt secure in choosing you, says InsuranceAgents.com CEO, Seth Kravitz. You [PostcardMania] also had a broad base of insurance customers, so we knew you most likely had the best solution for the insurance industry.”

After insurance agents purchase leads from InsuranceAgents.com, they will have the opportunity to contact potential clients with marketing services from PostcardMania. Direct mail marketing allows agents to provide information about their services and creates an opportunity to build a long-lasting relationship with their clients.

InsuranceAgents.com was created by a former insurance agent who wanted to help others in the industry achieve their business growth goals. InsuranceAgents.com realizes how tough the competition is today and offers a variety of services to help agents grow their business. They provide the highest quality insurance leads, a nationwide online agent directory and live transfer phone leads to agents. The agent directory allows the creation of personalized web pages with biographies and photographs so customers can reach the agents directly. With live transfer phone leads, agents are connected instantly with potential clients looking for quotes.

About PostcardMania:
PostcardMania is one of the nations most effective, top marketing agencies specializing in lead generation for small to large-sized business. PostcardMania started out as a full-service postcard marketing company helping clients create turn-key marketing campaigns with graphic design, printing, mailing list acquisition and mailing services. Over the years, it has expanded to offer its clients more services including website development, landing pages, email marketing and full marketing evaluations all while continuing to educate clients with free marketing advice. PostcardMania has seen positive expansion every year since its inception and has won many awards for creativity, best business practices and expansion and was featured on the Inc. 500 and 5000 lists. Joy Gendusa, Founder and CEO, began PostcardMania in 1998 with nothing but a phone and a computer and zero investment capital. By 2008, revenues reached nearly $19 million and the company now employs over 150 people, prints 4 million and mails 2 million postcards each week representing more than 37,000 customers in over 350 industries. Visit www.PostcardMania.com

About InsuranceAgents.com, LLC:
Based in Columbus, Ohio InsuranceAgents.com was founded in 2004 by a former insurance agent to build an insurance lead company for agents, by agents. InsuranceAgents.com, an Inc. 500 fastest growing company, provides auto, life, health, home, and condo insurance quotes for consumers looking to save money. The site also serves as one of the most comprehensive resources for consumer insurance information online. Visit www.insuranceagents.com

Contact:
Ferris Stith
Director of Public Relations
PostcardMania
800-628-1804 x 342
ferris@postcardmania.com

Can you legislate on how to run a business?

admin — Thu, 08 Apr 2010 18:50:59 +0000

One of the big dilemmas for any government when it bails out a business deemed “too big to fail” is how far it should go in managing that business. There is a temptation to actually start calling the shots whenever this is seen as necessary to protect the interests of the taxpayers whose money is bailing out the company. For example, if tax dollars are propping up a bank that has lent hundreds of millions to home buyers, should the government tell the bank to take a less aggressive approach to foreclosures? You only have to look at the public anger when top executives in these businesses started awarding themselves big bonuses, claiming their performance as managers justified these rewards. Even President Obama was moved to anger and Washington has appointed a pay czar whose job it is to moderate some of the pay excesses in the boardroom. There is support from the public for curbing excessive greed and reckless risk-taking by these businesses. There is less political will in Washington where lobbyists buy votes with campaign donations and other inducements. In a sense, this moves the dynamic back to the states. If Washington has a political logjam because of the power of vested interests, can local voters force change through?
The insurance industry in Michigan is up in arms so there must be something good for consumers happening there. The Property Casualty Insurance Association of America (a really catchy title for this organization) is leading the fight against a threatened attack on their members’ profits. The Board of State Canvassers in Michigan has just approved a petition for ballot in 2010. Despite the fact the insurance industry has remained profitable, paid its taxes and maintained its employment levels, the petition’s supporters allege insurers have been making excessive profits during one of the worst recessions in the last century. If the voters back the initiative, the legislature will be empowered to produce a number of direct limits on the way the industry assesses risk and sets the premium rates. The headline to sell this to the voters is genuinely eye-catching. The aim is to cut premiums on all insurance types across the board by 20%. Because drivers have been claiming that premium increases have been victimizing them, the initiative adds a further 20% cut for the best drivers. This shifts the risk profiling approach from the current factors such as zip code, credit score, marital status, etc., to factors directly assessing the driving skills of the individual drivers such as the driving safety record, the number of tickets issued, and so on.
The petition also acknowledges the insurance industry is likely to try to manipulate rates so there are a number of specific consumer protection or fair trade limits to be applied by the state’s insurance commissioner. He would reduce premiums thought excessive, prohibit insurers from cancelling the policies of those who complain, and so on. With some auto insurance premiums potentially falling by 40%, the industry is alarmed. There are dire predictions of insolvency. So in the run-up to the voting, it will be interesting to see how the insurers react. If the auto insurance quotes rise fast in the next six months so that a forced reduction will be less painful, the voters will see greed and vote accordingly. But a fall in the quoted rates will produce some interesting politics.

Cheap Insurance Tips for Young Drivers

admin — Mon, 29 Mar 2010 06:11:01 +0000

If one needs to buy cheap auto insurance then one has to put in a lot of effort and plan nicely. If the insurance policy is for young driver then even more planning is required. One can find cheap insurance for young drivers only after meeting many requirements. There are special classes for young drivers which can help them become a good driver. These classes specialize in providing training that is necessary for a driver so that he or she can be safe under all circumstances. The young drivers are taught about different hazards and oil and water while they driving on roads and also they are taught how to tackle different obstacles that they may face on road. Training on how to maneuver heavy traffic is also given and special sessions on driving during night or dark are given. Then they should also learn on how and what to do when some vehicles pulls in front of their vehicle suddenly. These classes are really invaluable for a young driver and if you are part of such classes then you can get discounts on your car insurance policy.Then companies also give discounts to those drivers who scored good grades in their school or college. Good grades signify that the student is responsible. The grades are calculated on the bases of national grade calculating system and can vary with the place. Goon grades will help you save some money on your premium charges and this cost will be carried on further in your adulthood. One of the simplest ways to get cheap insurance policy is to club you insurance policy with your parents auto insurance. This way you can not only save amount but also you can feel secured about the company. Many of the companies have policies that give cheap or discounted rates to drivers who are around twenty five of age but they are living with their parents. This policy can benefit not only young drivers but also their parents.Cheap auto insurance is must and they should not be ignored. All the vehicles that come out on road must have an insurance policy. When the teenagers start with driving with their first cars then they must be protected with an insurance cover so that both, driver and car are secure. Even when a driver is secure with a policy, he or she must not forget the traffic rules and must drive very carefully on road.

Top Ways To Obtain Auto Insurance Savings

admin — Sat, 13 Mar 2010 07:31:01 +0000

Are you looking for ways to save on your auto insurance? Do you think it is not possible to get cheap auto insurance, cheap not in terms of coverage but cheap on your bank account? If you are struggling from the expensive premiums you are paying for your car insurance, check the following top ways and have auto insurance savings that’s going to replace your current expensive one.
Yearly Policies
Yearly policy normally gives you savings than with a six-month policy. Yearly policy has a fixed rate and cannot be changed unlike with the bi-year policy which changes rate depending on the insurance company.
Anti-Theft Devices
Modern cars are now equipped with theft devices and similar safety devices. Whether they operate at a touch of a button or are automatic, you will get discounts on your insurance if your vehicle is equipped with these things. Also, if it has window sketching, this can be another reason to get discount for.
Mileage Check
Insurance agents ask crucial questions about mileage that consumers work on one way, so check mileage closely before applying for the coverage. Depending on your answer, it will designate your insurance application to a particular class. Talk with your agent to learn of the different classes as each can go with significant differences in their prices.
Comprehensive Storage Coverage
Storing your vehicle for any specific period of time can bring you savings out of your auto insurance. If you have plans of putting your car up for storage, keep comprehensive coverage with your auto insurance throughout the storage period. Since the vehicle will be stored, it is unlikely that it will get involved in any fender-bender situation, thus no need for the liability coverage.
Multiple Car Discount
When you own more than one car, you can be qualified for a discount. Most insurance companies offer special discounts to individuals who want to insure two or more cars. Sometimes, they can offer insurance for two cars with a price for one. It is recommended that you consult with your agent and ask how you can avail of the savings. Or if you are trying to obtain online insurance quotes, be sure to indicate the number of cars you want insured. It is a wise move as well to keep your second car for a while, in case you want to sell it, and include it in enrolment for insurance.
Group Discount
You can secure a discount if you are affiliated with certain groups or organizations. You can ask the insurance company the list of organizations they offer discounts for. They can be college sororities, credit unions, or just by having a credit card.
Electronically-Funded Transfer Payments
You can avoid the usual $5 dollar charge insurance companies usually add for mail payments by choosing EFT payments. Payments can be automatically deducted from your credit card or any EFT account, so both of you save some efforts.
Collision, Medical Payments, Comprehensive, Collision, and Lower Liability Coverage
You can have a lowered basic coverage by looking at these things. If you want to enjoy auto insurance savings, discuss all these things with your agent and make sure you don’t leave any gray areas to ensure you are getting the best savings that you can from your car insurance.

How to Save on Austin Auto Insurance for Teenagers

admin — Mon, 08 Feb 2010 20:46:00 +0000

If you are one the many teenagers in Austin who has just received a new car, you might also be excited to avail of your Austin auto insurance. But, you might not feel that intense excitement anymore if you find out that Austin auto insurance cost much compared to the ones for adult.
Before you start complaining about these high rates for Austin auto insurance for teenagers, better know the reason first why this is the case. For sure, there are further grounds for this issue and this is not just a plain old ordinary thing.
To be honest, statistics clearly shows that most teenagers are high risk drivers compared to the adult ones. What are their bases for this? Teenagers, unlike the adult drivers, do have lesser driving experience. Thus, this can clearly be exhibited in their drive for they might come up to various accidents. Apart from these, statistics also proves that teenagers are fast and aggressive drivers. With this, they are also at high risk for meeting unwanted mishaps. These may be the foremost reasons why Austin auto insurance for teenagers are comparatively high than the ones for adults. Although you are a teenager who is a good driver, insurance companies still use particular source of information from statistics.
So here are the ways on how to save from your Austin auto insurance. While it is true that Austin auto insurance for teenagers are costly compared to the ones for adult, there are still some ways for you to get lower premiums on them to save on them.

One way to save on your Austin auto insurance is to look for discounts that you may avail. One of the discounts that may be given to you is a good student discount. You dont need to have the highest academic ranking to avail of this discount. A simple B-average will qualify you to have discount on your Austin auto insurance policy.

You can also acquire discount on your Austin auto insurance rate if you took a drivers education classes. Some companies will provide discounts for this because they can be sure that you already have a background on proper driving.

Another discount that you may avail is the multi-car discount rate. If you are living with your parents, and your parents have insured their car, you can insure your car in the same company to avail of this discount and save money.

And the simplest way for you to actually save on your Austin auto insurance is to select for the most sensible one. Collect and compare the policies offered by the various Austin auto insurance companies, and be able to select which will be the best for you. At the end of the day, you can be sure that you have made the right choice because although the rates for Austin auto insurance teenagers is high, you are able to save money on your chosen Austin auto insurance.

http://www.austinautoinsurance911.com/

Consumers Turn to the Internet to Save Big Money on Auto Insurance

admin — Mon, 04 Jan 2010 19:31:00 +0000

SaveTodayAutoInsurance.com leads the industry in educating consumers on the best ways to effectively get the most competitive rates with a new online insurance quiz.

For Immediate Release

November 30, 2009 - SaveTodayAutoInsurance.com, one of the leading online auto insurance comparison sites, has designed a new way for consumers to get the best rates on insurance rates. According to company co-founder, Jim Musselwhite, most drivers can’t successfully answer a simple ten question insurance quiz, meaning that many consumers have no idea what their insurance actually covers.

With the rising use of the internet, many shoppers will automatically choose the bare requirements. According to Musselwhite, a founder of SaveTodayAutoInsurance.com, consumers need “to understand their auto insurance coverage options… there is a great deal of choice”. With the simple quiz now available on the website, consumers can get answers to questions that normally required an insurance agent.

This simple online quiz, designed by SaveTodayAutoInsurance.com, educates consumers on the best decisions while purchasing insurance. The quiz evaluates the consumers knowledge of multiple insurance options, including bodily injury, uninsured motorist, and collision. Results are available immediately online, with results identifying areas where consumers need more knowledge.

SaveTodayAutoInsurance.com not only identifies the needs of consumers, but also provides shoppers with educational videos. According to Musselwhite, the industry needs an “ongoing effort to educate and inform insurance shoppers about their auto insurance policy options”.

The newly released educational video series is titled “Auto Insurance - It’’s Your Money, You Should Know. This provides shoppers the opportunity to research how different types of insurance work, how it affects rates, and how much auto insurance shoppers really need.

According to Co-Founder Carl Lammers, “consumers can save hundreds of dollars on their car insurance”. By using the internet, says Lammers, the process is streamlined for consumers, making it easier than ever to compare coverage side by side.

All drivers are encouraged to take the simple two minute quiz on the site. No personal information is required in order for shoppers to test their insurance savvy knowledge, but the potential for savings is tremendous. Many customers are discovering savings of up to $500 - and sometimes more. Quotes are free and simple. Shoppers simply enter basic insurance needs and companies respond with competitive quotes.

In today’s marketplace, insurance is becoming more competitive. Online shopping has made the marketplace much more consumer friendly. Says Musselwhite, “Just because you have been getting a good rate, don’t assume it’s still the best rate. Visit our website to make sure you are saving as much money as you can”.

For more information on how to save money on your car insurance, Visit SaveTodayAutoInsurance to get a lower rate on your auto insurance.

Helping You Understand Pennsylvania's Auto Insurance Minimum Coverage

admin — Wed, 09 Dec 2009 17:00:06 +0000

In Pennsylvania there are a few coverages that are required by law to register your motor vehicle. Those coverages are Bodily Injury Liability, Property Damage Liability and Medical Benefits. The following breakdown explains what each coverage means and what the implications are for those who are deemed to be under insured.
Bodily Injury Liability- Pa state minimum is 15,000 per person 30,000 each accident- This translates to your car insurance company paying out up to $15,000 to an injured party if your automobile caused them injuries that justified damages. Under the Tort laws of the state of Pennsylvania the injured party is due compensation for the fact that they suffered an injury caused by the operation of your automobile. Example: Your deemed to be fault in an accident that caused another person to suffer a broken arm. Not including medical expenses, your insurance company will be responsible to pay the injured party up to the amount decided by the courts. If the damages exceed the $15,000 limit per person, the injured party is permitted by law to recover from the registered owner of the automobile. Your fate then lies in the hands of the laws, your net worth, assets and interpretation of what a reasonable and prudent man would have done. Bottom line- Do not skimp on this coverage, for the few extra dollars that a $100,000 limit or $250,000 limit would cost you can possibly avoid an immensely stressful situation.
Property Damage Liability- In Pennsylvania the minimum limit required by state law is $5,000.
If your automobile is determined to be the “at fault” vehicle in an automobile accident, you will be held responsible for the physical damages caused by your car. Whether it’s a mailbox, a porch, or a $80,000 Mercedes your responsibility will be to reimburse the other parties damages. Your insurance company will pay up to the limit you have chosen. If the damages are the equivalent of a 2006 ford f150 or $20,000 and you are carrying the minimum limit of $5,000 your insurer will pay $5,000. The balance of $15,000 can be paid in several ways, you can write a check, the injured parties insurance company will pay them, or they will bring suit against you. If their insurance company pays the next step will be an action against the car owner for recovery(this is referred to as subrogation) if the judgment is not paid then you may forfeit your driving privileges in the states of Pa, NY and Ohio until payment is made. Again, you must weight the options of carrying the minimum limits, it hardly seems worth the possible expense.
Medical Expense- The state of Pennsylvania requires a limit of $5,000 on medical expenses. This coverage pays to you and any other “first party” in the vehicle or living in the household. This coverage pays the first $5,000 in medical expenses to you or your family as a result of a motor vehicle accident. This applies even if you are in another vehicle or a pedestrian. If the injury results from any contact with a motor vehicle the state of Pa indicates that coverage will apply.
Keep these facts in mind when choosing your limits.

Benefits of Basic Auto Liability Insurance Policy from Car Insurance Company

admin — Thu, 05 Nov 2009 21:21:01 +0000

Basic auto liability insurance policies consist of two types of benefits or coverage. They are coverage for bodily injury and property damage. Bodily injury liability insurance provides protection from various claims and court cases that are filed against insured persons, in case the insured person is the cause of injury or death of another person. This type of basic auto insurance coverage pays costs for the affected person or his relatives for the pain, suffering, and other hardships, and also for economic damages. This auto liability insurance coverage is optional, as it can be selected if a person needs it. In property damage auto liability insurance coverage, insured persons are protected from claims and court cases for the damage of property of another person as a result of accident. Property generally refers to the vehicle of another person. However, damage to lamp posts, fences, telephone poles, and buildings is also considered in property liability. Benefits of Basic Auto Liability Insurance Policy Basiclow cost auto liability insurance policies are affordable and simple. Once a policy is selected, a “Limitation on Lawsuit” option is obtained along with the policies. There are certain limitations on the lawsuit option. Legal action can be taken only if death occurs or the person is seriously injured with any one of the conditions such as displaced fracture, dismemberment, major disfigurement or scarring, loss of fetus, and also for other permanent injuries in which body parts cannot function normally. Generalonline low cost car liabilityquotes are risky and provide very less or sometimes even no protection for bodily injury. Two-wheel motorized vehicles and commercial autos are commonly insured using these basic auto liability insurance quotes. Local auto insurance companies provides detailed information on types of auto liability insurance coverages, car autoinsurance company ratings and more.

How to Swap Auto Insurance Providers Without Demolishing Your Credit Score

admin — Mon, 02 Nov 2009 06:01:59 +0000

Nobody plans on staying with the same auto insurance company forever. Once upon a time, maybe, but nowadays sticking with the same insurance company from the day you get your driver’s license to the day you hang up your car keys is an open invitation to pay too much for your auto insurance rates. The problem is, it’s not enough to just shop around and find the best rates in town. When you’re trading in your insurance policy for a newer model you have to make sure you’re doing it the right way, or your checkbook won’t be the only one paying the price.
Is there a wrong way to swap auto insurance providers? That’s like asking if there’s a wrong way to quit your job! Yes, there are many, many options when it comes to finding a new insurer. You’d be surprised to discover how many people simply don’t bother to pay their next month’s bill and let their current insurer cancel their policy-after they’ve bought a new one, of course. While this might seem like the easy way to do it, it’s a decision that’s going to come back to haunt you.
Did you know that when your insurer cancels your insurance policy due to non-payment it gets reported to various credit reporting agencies? Not to mention the fact that canceled policies show up on your “permanent record”, waving a red flag in the air to insurance companies that you’re a flight risk and should be handled with kid gloves-and some of the highest auto insurance rates on the market. You may not have a single accident on your record, but if your policy has lapsed due to non-payment you’re going to watch your rates go flying up.
Since you’ve got better things to do with your money than pay too much for your auto insurance (I’ve got a few suggestions for you if you don’t!) you want to make sure you’re making the right decisions about your coverage. When you know you’re going to be swapping insurers, give your current policy holder a call and let them know what day you want your coverage to end. That way they can note it on your records, make the proper payment (or refund) arrangements and bid you a fond farewell with the option to come back when their rates become a little more competitive.
Be sure to plan carefully. The last thing you want is to be stuck driving around uninsured because you forgot to line up your cancellation date and the date your new policy begins. All it takes is an hour, a single hour, of driving uninsured. Accidents happen in a matter of moments, and if you’re caught in a major one without any insurance coverage you can bid your future fiscal security a fond farewell.
If that’s not a gruesome thought, I don’t know what is.
Look, everyone expects you to change auto insurance companies sooner or later. They’d be shocked if you didn’t! All your insurer is asking is that you do it the right way-the way that’s not going to end up with you either thousands of dollars in debt or watching your credit score plummet. In the grand scheme of things, that’s not such a bad way to go.

Overcharged For Auto Insurance

admin — Mon, 19 Oct 2009 15:20:59 +0000

When you get your bill from your auto insurance provider, do you wonder if it is really that expensive or do you think the amount is fair? Well, if you think your rate is exorbitantly expensive, chances are your auto insurance is overcharging you. But of course there are many reasons why you may be paying an unusually high rate, so the best thing you should do is to know if your auto insurance is overcharging you or your high rate is caused by other factors.

The first thing you should consider is your driving records. You know that your driving records affect your rates directly. But do you know that if your driving record has improved, your rate should be reduced. Usually a violation stays on your record for three years. So, say if your had an accident or a ticket on your record in the past or in the time you actually purchased your insurance from your insurer and those have been taken of from your driving record, then your insurance provider should adjust your rate. If your company does not give you a better rate after your record had been removed, then you should find another insurance company. Remember, it is better to stay with an insurance company that values its client by giving them the best service and treatment. This is because when you get into an accident, a company that does not give its clients the best service will probably give you a harder time when you file for your claim.

Now, if you are among the many drivers who have a good record, then your insurance company should give you good driver discount or good driver reward. If not, then you are with a second-rate company and should start shopping for better insurance companies. If they cannot afford to give you discounts, then ask yourself how they can afford to give you your claim on time and without any hassle in case you got involved in an accident.

Now, the next thing you should check is your bill. Take a closer look on your bill since many insurance companies have additional charges for installment payments, like convenience charges. Now these convenience charges can actually cost you as much as $100. So if you find this in your bill, this is again another sign that you need to find an insurance company that does not punish their clients who pay in installment.

Lastly, compare your rate with the national average. This will give you a general idea if you are paying more than what the actual cost of insurance these days.

To read more about auto insurance please visit our website http://carautoinsurance.us/