“Car insurance can be expensive for many different reasons. Bad credit score and price optimization are some of the lesser-known reasons why drivers pay a fortune to their insurance premiums”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
February 13, 2020

Compare-autoinsurance.org has launched a new blog post that presents several reasons why policyholders pay a lot on their car insurance rates.

For more info and free online quotes, please visit https://compare-autoinsurance.org/why-does-my-car-insurance-cost-a-fortune/

Many drivers are surprised by how much they have to pay on their car insurance. There are many reasons that can explain why some policyholders pay so much on their insurance.

The following surprising reasons can make car insurance more expensive:

• 
  The policyholder has a poor credit score. Many drivers still don’t know how important is their credit score when it comes to determining their car insurance rates. Persons with a bad credit score are considered high-risk by the insurers. These persons are more likely to miss payments or drop coverage mid-term. Also, studies show that persons with a bad credit score are more likely to fie a claim. On the other hand, drivers with an excellent credit score are seen as responsible persons who always pay their bills on time and rarely file claims. Drivers with a bad credit score should strive to improve their status. They can improve their credit score by using one-time payments, keeping a low credit utilization rate and balance transfer credit cards. Massachusetts, Hawaii, and California are the only states where credit-based insurance pricing is banned.
• Missing loyalty bonuses. Many insurance companies are offering a loyalty discount to their safe drivers in order to keep them loyal. If a driver has been a loyal customer to the same insurer for at least 5 years, then he should contact the insurance provider and ask for the loyalty discount. Some car insurance companies can offer really small discounts, while others don’t offer a discount at all. In these cases, the policyholder is recommended to look for another insurance carrier.
• Price optimizations. Some insurers are sure that their customers won’t notice an increase in their insurance rates. Insurance providers will use all the personal information gathered from their clients and statistical models to determine if their clients can tolerate a price increase. After they determine which customers are less likely to check the insurance market, the insurers will gradually increase their premiums.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

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

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Kin is proud to be recognized by both Crain’s Chicago Business and Built In Chicago for one of the things we do best – treating our employees and customers like family.

CHICAGO (PRWEB)
February 13, 2020

Kin Insurance, the insurance technology company reinventing home insurance for catastrophe-prone areas, is proud to announce two growth milestones since launching in Chicago four years ago: Kin’s Head of People Allison O’Brien was named as a notable leader in human resources (HR) by Crain’s Chicago Business and Kin was recently named one of 50 best small companies to work for in Chicago.

“Kin has always been a workplace that values an inclusive environment, so our team members feel supported to do their best work. We encourage transparency, respect for talent, and enthusiasm from the top down. Allison is a huge part of making that happen, and we congratulate her and her team on this honor,” said Sean Harper, CEO and co-founder of Kin. “Kin’s inclusion on Built In’s ‘Best Places to Work’ list is also a testament to the successful programs that Allison and her team have built.”

“My team and I focus on the basics: truly understanding our roles, highlighting our culture, and being transparent with our candidates on what they can expect by joining Kin. We hope when people hear of the exciting work happening and how we value our people, they want to learn a bit more. Finding the talent isn’t difficult; it’s what we do after to engage with someone that is critical,” said O’Brien.

Crain’s 2020 Notable Leaders in HR represents an impressive cross section of the Chicago-area business community featuring top executives tasked with recruiting talent during a buoyant economy and keeping the workforce happy. The 58 HR specialists featured in Crain’s list are finding innovative solutions to this challenge. The complete list is published in the February 3rd edition of Crain’s Chicago Business and can be found online at ChicagoBusiness.com.

“At Kin, we empower employees to help solve the company’s challenges. We support internal growth through training, job expansion, and promotion, and we provide comprehensive benefit packages that are subsidized by Kin. Leadership is extremely transparent on the business and where we are going, and most importantly, we have fun,” added O’Brien.

Built In’s “Best Places to Work” list rates companies based on their employer benefits and employee-submitted data. Rank is determined by combining a company’s score in categories like: Health & Wellness, Financial Planning & Stability, Flexible Work Environment, Diversity & Culture, Professional & Social Impact, and Perks & Discounts.

“These categories inform Kin’s hiring practices and internal HR programs. Kin is proud to be recognized by both Crain’s Chicago Business and Built In Chicago for one of the things we do best – treating our employees and customers like family,” concluded Harper.

About Kin Insurance

Kin is a technology company working at the intersection of software and insurance to create a more transparent, affordable insurance option for homeowners in catastrophe-prone regions. Founded in 2016 by seasoned financial technology entrepreneurs Sean Harper, Lucas Ward, and Stephen Wooten, Kin was created to bring users a policy that’s easy to understand; create insurance that fits the budget without compromising protection; and serve insurance markets that are often neglected by traditional, legacy carriers. Kin is headquartered in Chicago and recently opened an additional office in St. Petersburg, Florida. To learn more about Kin visit: https://www.kin.com/about. To learn more about Kin careers in Chicago and Florida visit: https://www.kin.com/careers

About Built In

Working in tech is a way of life. Built In helps people live it with purpose. Across the most vibrant tech hubs in the US, Built In helps tech professionals stay on top of tech news and trends, expand their networks and carve out futures at companies they believe in. Built In attracts a niche audience of 1 million tech professionals every month and, in 2019, the company hit a milestone, serving 1,100 companies annually. Built In recently launched BuiltIn.com, a national hub for tech trend coverage and resources to help professionals grow in their careers.

About Crain’s Chicago Business

For more than 40 years, Crain’s Chicago Business has been the award-winning news source for Chicago’s business leaders, telling the story of the Chicago economy, while serving as a voice and advocate for the city’s business community. Reporting through the prism of business, Crain’s helps its readers stay on top of the inner workings of Chicago’s economic and political ecosystem, uncover new business opportunities and connect with the broader Chicago business community.

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“Online car insurance quotes are really important for drivers looking to get better premiums. With their help, it is possible to find high-quality coverage at acceptable prices”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
February 13, 2020

Compare-autoinsurance.org has released a new blog post that explains how drivers can get the best car insurance quotes online and save auto insurance money.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/get-best-online-car-insurance-quotes/

Comparison shopping has become a necessity, considering the vast number of insurance providers. And since each insurer has its own algorithms for calculating premiums, the price difference can be really huge, even for the same product. Drivers should get free car insurance quotes from http://compare-autoinsurance.org and compare prices.

In order to get cheap car insurance quotes, a driver should:

• 
  Try to expunge recent traffic violations from driving reports. Having too many traffic violations displayed in the driving record will certainly make the premiums really expensive. Depending on the policyholder state’s legislation, it may be easier to expunge old traffic violations. But in many cases, the help of a lawyer is needed. When everything is solved, get online quotes again and see how much the prices have dropped.
• Provide honest, accurate info when requesting online quotes. In order to get accurate quotes, the person seeking coverage must provide accurate details about the car. This includes accurate details about the car’s make and model, extra safety devices, VIN numbers, etc. Offering accurate info will help the drivers understand why the price estimates are high and if they can improve them. For example, quotes are high due to safety ratings. Then, installing extra safety gear will also help the driver find cheaper coverage.
• Work only with complex and detailed online questionnaires. It is recommended to use a complex, detailed car insurance questionnaire. These questionnaires should be divided into several categories: car, driver, driving experience history and coverage options. It may take more time to complete, but the accuracy offered is really high.

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

For more information, free quotes and money-saving tips, please visit https://compare-autoinsurance.org/.

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Iowa Governor Kim Reynolds designates Feb. 12 as SHIIP Volunteer Appreciation Day

Fortunately for Iowans, we have more than 350 dedicated SHIIP volunteers across the state trained to help Iowans make informed decisions regarding Medicare plans.

DES MOINES, Iowa (PRWEB)
February 12, 2020

For many Iowans on Medicare and their caretakers, Medicare plans can be confusing. Choosing the wrong plan can lead to your provider no longer being in-network, your prescriptions costing hundreds of dollars more or travel plans ruined due to gaps in your medical coverage.

“Each year it seems there are changes to Medicare, making complicated products and processes even more complex for the consumer,” said Iowa Insurance Commissioner Doug Ommen. “Fortunately for Iowans, we have more than 350 dedicated SHIIP volunteers across the state trained to help Iowans make informed decisions regarding Medicare plans. In fact, Iowa was an early adopter and among the first states to implement a peer-to-peer Medicare counseling program, initiating the program in 1990.”

Iowa Governor Kim Reynolds signed a proclamation celebrating the 30th Anniversary of the Iowa Insurance Division’s SHIIP program by designating Feb. 12 as SHIIP Volunteer Appreciation Day. Joining Commissioner Ommen at the Governor’s proclamation-signing celebration were SHIIP volunteers and staff, including Kris Gross, Iowa’s SHIIP director since the program’s inception 30 years ago, and Kristin Griffith, Iowa’s incoming SHIIP director effective when Gross retires at the end of the month.

“I want to welcome Kristin as our new SHIIP director, who comes to us with great experience, having formerly served as executive director of the Young Women’s Resource Center,” said Commissioner Ommen. “I also want to thank Kris Gross for her 30 years of service to the State of Iowa. I commend her for managing the SHIIP program, whose volunteers have saved Iowans hundreds of millions of dollars over the past three decades. Kris will be missed by our team, by her dedicated SHIIP volunteers and by all the Iowans she has helped. We wish Kris the very best in her retirement.”    

“There are very large shoes to fill, but I know SHIIP and its hundreds of volunteers and amazing staff are ready to continue the great work we’re known for,” Griffith said. “I look forward to working with people in communities all around Iowa to help Iowans make informed choices about Medicare and hopefully save them lots of money while doing so.”

Gross reflected on major changes to Medicare plans over her 30-year tenure, including the standardization of Medicare supplement plans in 1992 and the addition of Part D prescription drug benefits and Medicare Advantage plans in 2006.

“Iowa’s SHIIP volunteers are simply the best,” said Gross. “They must constantly learn new, complicated information and they give so much of their time to help their fellow Iowans.”

When asked about recent trends affecting those on Medicare, Gross said many people are delaying retirement and Medicare enrollment past age 65. She said this retirement delay along with changes to employer retirement benefits brings another layer of choices and regulations people need to understand.

“Every day, SHIIP volunteers are helping Iowans with this retirement transition,” said Gross. “And, through our Senior Medicare Patrol (SMP) program, our volunteers also work with Iowans to prevent, detect and report Medicare fraud. SHIIP volunteers are such wonderful resources for our state, allowing Iowans to receive free, unbiased and confidential assistance to find the best Medicare plan for their personal medical needs. I cannot thank them enough for their service. They are so deserving of SHIIP Volunteer Appreciation Day.”

Iowans are encouraged to visit SHIIP.Iowa.gov to learn about Medicare, Medicare fraud and volunteer opportunities. Iowans can also call SHIIP and SMP at 1-800-351-4664 (TTY 800-735-2942).

# # #

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“Our insurance experts will explain to you the best ways to save money on car insurance,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
February 12, 2020

Depending on several factors, including car model, driving history, age and the place where you live, the insurance costs can rise to several thousand dollars per year. It is important for drivers to know how can they lower or keep costs under control. The most effective ways are:

• 
  Bundling multiple insurance services. A person can easily bundle car insurance with homeowners/renters/condo insurance and earn a valuable discount. When completing online questionnaires, the user is asked if he owns the home/apartment where he/she lives. If the user owns it, he will be provided with a bundle option. In some cases, a person can save as much as 20% simply by bundling coverage.
• Purchasing coverage for multiple vehicles under the same contract. Covering multiple vehicles under the same insurer will also be financially rewarding. Multi-vehicle plans also provide a discount. The value of the discount is directly proportional to the number of insured vehicles.
• Set higher deductible levels. It is up to the policyholder to set deductibles. The usually recommended value is $500, for both comprehensive and collision coverage. However, the policyholder can choose higher values and lower the overall premiums.
• Avoid keeping full-coverage on older cars. If the car is older than 10 years, keeping full coverage is likely to make the owner overpay. Since a car’s value diminishes over time, keeping full coverage for cars older than 5-6 years can lead to unnecessary costs.
• Avoid committing traffic violations. Whenever a person tries to obtain online quotes, he will be asked for claims and traffic violations in the recent 3-5 years. Traffic violations and accidents will not only increase premiums but can also determine a carrier to consider a client “high-risk” driver and eventually, drop him.
• Consider a car’s safety rating before buying it. Look for annual crash-test ratings and NHTSA safety rankings. A safe car is cheaper and easier to insure.
• Install extra safety and anti-theft devices. Investing in a car’s safety will be greatly appreciated by insurance companies. Drivers can qualify for several discounts. Furthermore, installing car recovery systems will lower the comprehensive component of the premium.
• Graduate a defensive driving course. The client will improve his driving skills and will get a discount. Many online questionnaires ask drivers (especially the young ones) if they have participated in courses provided by the local DMV or they are willing to participate in defensive driving classes.
• Periodically compare online car insurance quotes. It is recommended to get car insurance quotes at least once every 6 months and check the average premium costs. Being permanently aware of the average costs will help drivers decide if they stay with the same carrier upon renewal or not.
• Pay-in-full. Paying for the whole coverage period will help drivers save around 10% on their insurance. Use online quotes and see how much it can be saved by paying for everything in advance.

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

For more information and money-saving tips, please visit https://compare-autoinsurance.org/.

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“Drivers should check what discounts are available and how to get them. Ask the insurance agent or customer support for a list of discounts”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
February 12, 2020

Having access to several discounts will make the insurance costs bearable. The value and availability period will differ for each carrier. Drivers should check these aspects before signing a contract. However, the following discounts are usually the most valuable ones:

• 
  Bundling discount. Policyholders can get significant savings by insuring houses and cars together to one insurance company. The insurance companies love this kind of deals and they are willing to offer discounts as high as 20 percent for these bundled packages.
• Good driver discount. Keeping a clean driving record for a specific number of years will be rewarded with a discount. Some insurance companies will offer this discount after three years of safe driving, while others will require 5 years. Another advantage of this discount is that it’s usually applied per each driver in the household.
• Low-mileage discount. The less a person drives, the lower are the chances to be involved in accidents. Retired persons, those who work from home or have a short commute should ask about this discount.
• Good student discounts. In order to qualify, a student needs a 3.0 GPA. Although teen and young drivers are considered high-risk drivers, Insurance companies consider that good student spend less time on the road, and when they get on the road, they are responsible drivers.
• Good credit score discount. Depending on his credit score, a driver can pay less or more on insurance premiums. Studies done by the insurance companies show that drivers with bad credit scores have higher chances to file for a claim, while drivers with a good credit score will rarely file for a claim. Also, persons with bad credit score are more likely to miss payments.
• Defensive driving discount. Drivers who manage to graduate an approved defensive driving course will enjoy multiple benefits. The most important benefit is the 10% to 15% discount offered by the insurance companies. Also, drivers will recap their theoretical knowledge about driving and will lean more about the traffic obstacles, how to identify them and how to avoid them. Drivers who have traffic violations can remove points or dismiss a ticket from the driving record. This will help drivers avoid paying traffic fines and prevent premiums from increasing upon the next renewal.
• Paid-in-full discount. Paying your annual premium in a single turn will help you get a discount. The company will also save money by reducing the monthly administrative costs. The value of the discount varies by insurer, but generally, you can save around 10%.

For additional info, money-saving tips and free car insurance quotes, visit http://compare-autoinsurance.org

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

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“Obtaining accurate car insurance quotes can be easy. All you have to do is to provide real, accurate data when you fil an online questionnaire”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
February 12, 2020

Compare-autoinsurance.org has launched a new blog post that presents several tips for drivers that want more accurate car insurance quotes.

For more info and free quotes, visit http://compare-autoinsurance.org/tips-getting-accurate-car-insurance-quotes/

Drivers are recommended to check for car insurance every time a major event happens in his life. Events, like getting married, moving to a new place, or adding a new driver to the insurance policy, can influence the insurance rates paid by a policyholder. The best way for drivers to get car insurance quotes is to get them online. In order to get accurate online insurance quotes, drivers should follow these tips:

• 
  Drivers should first determine their coverage needs. Besides purchasing the minimum coverage required by each state’s law, every driver has different needs for their insurance policy. Drivers that own old regular vehicles should consider dropping full coverage when their car will worth less than ten premium rates. Drivers that own new cars, should consider adding new car replacement insurance or gap coverage to their policy in order to protect their vehicles’ full value in case something bad happens.
• Determine the available money. Knowing the available insurance money will help the driver opt for higher coverage limits, higher deductibles, and several add-ons. Online quotes will help drivers design a coverage plan within those limits. Furthermore, the driver can simulate “pay-in-full” and see the total cost of the coverage plan and how much he can save. With “pay-in-full”, drivers can save around 15%-20% on car insurance.
• Make sure to keep documents nearby. Having the right documents near will help the driver provide correct info about the car’s model and sub-model, existing safety devices and driving history. Keep in mind that online questionnaires may also ask about things like the exact sub-model, including the number of cylinders. Providing exact info about the car is a must. Companies can void coverage if the driver sends the wrong data. Plus, keep in mind that companies use this data to calculate the Actual Cash Value, which is used to reimburse the drivers. Sending wrong data can result in a lower ACV.
• Policyholders should be honest with their driving history. Drivers can lie in order to get better insurance rates, but many insurance companies will do careful research on each driver’s history that wants a policy from them. Insurance companies will then proceed into penalizing the lying driver, by either increasing their insurance rates or by denying their insurance application.
• Drivers should check for discounts. Insurance companies will ask certain things that can grant the policyholder several discounts. Drivers can qualify for these discounts if they have low mileage, clean driving record, no claims, or they graduated a defensive driving course, and so on. Insurance companies offer numerous types of discounts, so it’s important for drivers to mention everything in the questionnaires.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

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

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