Category Archives: Business: Insurance

Press Releases from the Insurance world, What’s new, Popular, Trending and News Worthy. In the ever changing industry of Insurance.

Valued at $125 Million, Figo is now Largest Independent U.S. Pet Insurance Provider


“Figo combines a range of pet insurance options, social connections, and advanced technologies to deliver a best-in-class experience for a growing number of American pet families,” said Rusty Sproat, CEO of Figo.

Figo Pet Insurance is now the largest independent pet insurance provider in the U.S. The company, founded in 2015 and having achieved progressive annual growth driven by consumer attraction to its comprehensive coverage and innovative technology-assisted services, recently received a $5 million investment for a 4% equity stake from underwriting partner Independence American Insurance Company (IAIC), a member of the IHC Group, placing Figo’s valuation at $125 million. Figo is also named the Top InsurTech Leader by A.M. Best’s Review, leveraging advanced technology to reshape the pet insurance experience.

The North American Pet Health Association (NAPHIA) 2019 State of the Industry report presents the U.S. pet insurance market value at $1.3B, representing a one-year growth of 24%. A staggering 21.4% market growth rate since 2014, combined with a market penetration of only approximately 2%, paints a picture of continued robust market growth. This strong performance outlook has triggered a flurry of pet insurance company acquisition activity, with four of the five leading U.S. pet insurance providers having been acquired by larger insurance and credit companies in 2019 alone.

“With pets firmly cast as family-members and the costs of pet medical treatment often equaling human healthcare, pet insurance has become an essential part of family health coverage for millions of Americans,” said Rusty Sproat, CEO and founder of Figo Pet Insurance. “Figo combines a range of coverage options, pet social connections, and advanced technologies to deliver a best-in-class experience for a growing number of American pet families.”

A 2019 survey of pet owners revealed that 42% of millennials have experienced pet-related debt and 39% of all those surveyed regretted not having insurance for their pet. The Insurance Information Institute estimates that U.S. pet owners will spend slightly more than $75 billion on their pets in 2019.

Figo Pet Insurance delivers benefits far beyond medical care cost protection. The Figo Pet Cloud™, with proven artificial intelligence (AI) technology, provides live 24/7 access to veterinarians, social media pet connections, and location-based pet-friendly product and service listings to enhance the pet-parent experience. Services such as pet record management, claims processing, and support access are also greatly simplified and accelerated with the Pet Cloud.

“Figo has set a higher insurance experience standard with this personalized, portable, cloud-based technology,” says Sproat. “What’s more, Figo’s connectivity and information exchange technologies bring our customers conveniences that exceed traditional insurance industry norms.”

Figo Pet Insurance, launched in April 2015, was born in one of nine Google for Entrepreneurs (GFE) North American Tech Hubs, the nationally renowned Chicago technology business incubator, 1871. Under the leadership team led by Sproat, Figo’s advanced pet insurance experience has earned impressive company growth, with Figo outperforming the pet insurance market growth rate by more than 80% between 2017 and 2018.

Figo Pet Insurance policies are underwritten by Independence American Insurance Company (IAHC), a member of the IHC Group, rated A- (Excellent) by A.M. Best Company, Inc., to bring pet-centric, cost-effective insurance options to responsible pet parents.

About Figo Pet Insurance

Figo is a Chicago-based InsurTech company founded in 2015. Figo offers a unique combination of comprehensive insurance policies to protect your pet in the event of injury or illness; as well as industry leading technology. They have become one of the fastest growing start-ups in the country. Figo utilizes a highly engaging and mobile-friendly Pet Cloud that allows consumers to manage their pet’s healthcare, socially engage with fellow pet parents, and easily discover and locate services within the pet ecosystem. They provide simple, comprehensive, and transparent policies with an award-winning customer service staff, and are widely regarded as one of the leading pet insurance companies. Pet insurance policies are underwritten by Independence American Insurance Company, a Delaware Insurance Company. Plans are administered by Figo Pet Insurance, LLC.

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Does It Make Sense To File In Small Claims?


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“Paying from your own pockets for minor damage is something quite usual. Always asking for financial compensation for scratches or dents will make car insurance more expensive”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has released a new blog post that explains if drivers should file in car insurance claims for minor accidents or should they pay from their own pockets.

For more info and free car insurance quotes online, visit http://compare-autoinsurance.org/does-it-really-make-sense-to-fill-in-small-claims/

Car insurance is supposed to provide financial support whenever the vehicle is damaged by covered events (collision, vandalism, animal attacks or extreme weather). But does it really worth the money to fill claims for minor damage? Find out more and get the best coverage deals from http://compare-autoinsurance.org.

When a serious accident happens and the car is seriously damaged, the driver should immediately contact the insurance company and file a claim. But what happens if the car is just scratched or the paint is damaged a bit? Does it make sense to contact the insurer and ask for reimbursement?


  • It all resumes to basic math. How much does it cost to fix the damage without involving the insurance company? If repairs are more expensive than the deductible? Will the premium increase be more expensive than the repair?
  • If all it takes to fix a scratch is something around $100-$150 at a repair shop, filling a claim may not be advantageous. The insurance company will slowly increase the rates and will recover those $100 in 6 months or a year. But what is more important, the claim will be recorded.
  • Filing multiple claims for minor damage or in a relatively short time will heavily impact the premiums. Keep in mind that auto insurance is based on the risk of making a claim. Plus, it will affect future bonuses, like no-claim discounts.


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, please visit http://compare-autoinsurance.org.

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How To Compare Car Insurance Rates Online


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“Comparing car insurance quotes online is easy, fast and will help you get an affordable coverage”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has released a new blog post that explains how to compare car insurance quotes online and find affordable coverage.

For more info and free car insurance quotes online, visit https://compare-autoinsurance.org/how-to-compare-auto-insurance-rates-online/

Now it is easier and faster to get quotes when compared with the old days when drivers had to talk to an agent. Online car insurance quotes are easy and fast to obtain. Websites like http://compare-autoinsurance.org/ allow customers to get multiple quotes at once and discover the best rates in the area.


  • Online quotes are needed to compare prices. Online quotes are provided by either insurer or by brokerage websites that cooperate with insurers. Either way, it is important to get as many quotes as possible. They present the best estimates, using the info added by the user and insurers’ databases.
  • Make sure to get quotes for exactly the same insurance. Do not compare prices for different products. For example, the price for collision will be totally different from the one for comprehensive because different factors are analyzed. Also, compare for exactly the same extra services
  • Use minimum of 5 quotes to compare offers. Make sure to gather a sufficient number of quotes for a fair comparison. If the quotes are for the same product and are accurate, the prices should not differ a lot.
  • There are two sources for car insurance quotes: from an insurer or from the brokerage website.

If a person gets quotes directly from providers, it would take them about 5-10 minutes to fill in a form and wait for answers. We are talking about extended forms, not submit forms with 3-4 questions. For ten quotes, it may take that person for almost two hours. This is why most people usually stop at 5 quotes using this method.

However, the alternative will provide a high number of quotes in just a couple of minutes. Using brokerage websites will help to get 5-10 quotes on a single results page, with a single search session. After getting a reasonable number of quotes, at least 5, then the customer should start comparing policies. Always make a top of the highest rated companies and try to get quotes from them.

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, please visit http://compare-autoinsurance.org/

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IBHS Ranks Atlas Roofing Product No. 1 For Hail Resistance


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“We’re thrilled that StormMaster® Shake outranked the competition. The secret is in our Core4™ Enhanced Polymer Technology — the most innovative development in asphalt shingle manufacturing today.” —Paul Casseri, product manager, Atlas Roofing

Atlas Roofing is excited to announce that its StormMaster® Shake shingles exceed leading competitor brands for hail impact. The performance rating is based on 2019 results from a new test standard for impact resistance developed by the Insurance Institute for Business & Home Safety (IBHS).

Severe weather can displace families, disrupting their lives and impacting finances. To prevent these avoidable issues, IBHS conducts top-tier scientific research, the results of which help manufacturers engineer better materials, ultimately saving both the insurance industry and homeowners significant time and money.

The IBHS impact-resistance rating factors in how well shingles hold up to specific damage caused by hail. Out of the 10 products tested, Atlas StormMaster® Shake shingles received a good rating for dents/ridges and an excellent rating for tears and granule loss. In addition, StormMaster® Shake is the only product to receive an excellent overall rating.

“We’re thrilled that StormMaster® Shake outranked the competition,” says Paul Casseri, product manager for Atlas Roofing. “The secret is in our Core4™ Enhanced Polymer Technology — the most innovative development in asphalt shingle manufacturing today. StormMaster® shingles are unmatched by all other products currently on the market.”

IBHS tests replicate real-world conditions on a variety of widely purchased shingles labeled as “impact resistant.”

“Hail causes billions of dollars in property damage every year,” explains Tanya Giammanco, managing director of research for IBHS. “Consumers deserve to have confidence that shingles labeled as impact resistant live up to expectations.

“Our research serves to empower manufacturers to develop better products.”

Built-In Technology

Atlas StormMaster® Shake shingles with Core4™ are made with enhanced virgin polymers that help to create an extremely durable shingle.

Core4™ consists of these four features:

“We’ve been investing in and researching asphalt polymer technology for nearly 30 years,” says Stan Bastek, national sales director for Atlas Roofing. “We continue to improve our manufacturing process, always striving to provide consumers with the highest-quality, longest-lasting products on the market.”

StormMaster® Shake shingles are UL 2218 Class 4 Impact rated and come with the highest wind warranty in the industry — up to 150 mph (with six-nail application). They also feature the power of Scotchgard™ Protector, which prevents the ugly black streaks caused by algae. So StormMaster® Shake shingles not only protect a home from the elements, they preserve its curb appeal too.

To learn about IBHS, its research center and how it determines its hail impact ratings, visit IBHS.org. For more information about StormMaster® Shake shingles, visit AtlasRoofing.com.

About IBHS

The Insurance Institute for Business & Home Safety (IBHS) is an independent, nonprofit, scientific research and communications organization supported solely by property insurers and reinsurers. IBHS’s building safety research leads to real-world solutions for home and business owners, helping to create more resilient communities.

About Atlas Roofing

Atlas Roofing Corporation is an innovative, customer-oriented manufacturer of residential and commercial building materials. Atlas has grown from a single shingle-manufacturing plant into an industry leader with 24 facilities across North America. For more information, visit AtlasRoofing.com. Stay connected with us on Facebook, Twitter and YouTube.

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Complexities in Medicare Advantage Options may Discourage Seniors from Comparing Plans


Medicare Enrolloment

Another survey indicated that 23% of seniors said they found reviewing their Medicare plan to be one of the most unpleasant tasks they do among a list provided to them by pollsters.

Medicare Advantage Open Enrollment Period (MAOEP) is from January 1 – March 31. It’s a time when seniors can potentially save money and gain benefits. Unfortunately, many seniors will do neither. But why is the Open Enrollment Period ignored by seniors? As Dave Rich CEO, Ensurem LLC, puts it, “The Medicare Advantage market is constantly changing making better plans available to seniors every year during the fall Annual Election Period. This is crunch time for most seniors, but what they don’t usually realize is they also have a chance to make one additional change to their MA coverage for the year during the OEP. Additionally, insurance companies and brokers aren’t legally allowed to market this period or its benefits to consumers. So oftentimes, they’re left feeling stuck with the choices they made during a hectic AEP season.”(1)

The MAOEP is the time when a beneficiary with Medicare Advantage can either:

1.    Change from one Medicare Advantage plan to a different Medicare Advantage plan.

2.    Drop their Medicare Advantage plan and return to Original Medicare, Part A and Part B (and subsequently apply for Medigap or Part D, if they choose.) (1)

For those who do decide to drop their Medicare Advantage policy and return to Original Medicare they often don’t understand that there is an increase in patient medical costs for Original Medicare holders, while Medicare Advantage costs are on the decline. (1)

Medicare Part A and Part B comprise Original Medicare. This covers the basic hospital and medical expenses that the government provides at age 65. It does not cover all healthcare expenses however (such as Prescription Drug Plans) and it leaves the senior with out-of-pocket expenses that can sometimes be crippling.

The difference between Original Medicare and Medicare Advantage

Medicare Advantage, or Medicare Part C, replaces Original Medicare. This coverage is provided by private insurance companies that contract with Medicare. These plans will sometimes include additional coverage for things like dental and vision care, prescription drugs, rehabilitation services, diagnostic services or even fitness programs.

If a senior has Medicare Advantage (MA) they may want to shop during the MAOEP because the MA markets are getting more competitive as more entrants continue to break in. To stay competitive, insurance companies are always adding new services and benefits. For example, hundreds of Medicare Advantage companies are rolling out new homecare benefits in 2020. This is because the Centers for Medicare & Medicaid Services (CMS) is giving Medicare Advantage plans the most flexibility they’ve ever had in terms of covering non-medical, in-home supplemental benefits. (2)

Additionally, the steps the Trump Administration has taken to improve and drive competition in Medicare Advantage means more savings, more benefits, and lower costs for seniors.(2) Nevertheless, many seniors will likely not take advantage of these benefits.

Only 6-11% of seniors voluntarily switched from Original Medicare to Medicare Advantage during the 2006 to 2017 enrollment periods. In addition, more than one in three Medicare beneficiaries reported difficulty comparing the Medicare Advantage plan options. (3)

Seniors find it easier to confront a colonoscopy

Another survey indicated that 23% of seniors said they found reviewing their Medicare plan to be one of the most unpleasant tasks they do among a list provided to them by pollsters. Other choices they said they’d rather confront before Medicaid included “getting a colonoscopy” and “going to the dentist.” (4)

According to Rich of Ensurem, neither reviewing your Medicare program or shopping for a new Medicare Advantage program has to be confusing or painful. After years dealing in international insurance Rich became a passionate believer in the use of technology and the need to fundamentally change how insurance is sold so that more Americans can enjoy the benefits of these products. (5)

“What is needed,” claims Rich, “is a user-friendly online platform serving as an insurance broker on one side and a provider of tailored Medicare solutions information and purchasing opportunities on the other.”

Ensurem has designed such a platform. It has carrier relationships with Aetna, Humana, Ameritas, and other major health insurers where the senior can go and fill out a few forms and get straight, non-complicated answers as to which Medicare Advantage plan will work best for him or her.

Medicare Advantage beneficiaries still have a chance to make changes to their 2020 coverage during the Medicare Advantage Open Enrollment Period (January 1 – March 31.) According to Rich an investment of a few minutes of time to do so may be worth it for any senior. “The Ensurem solution provides an online consumer marketplace that educates visitors and rapidly matches them to MA programs through a simple application backed by a fully licensed Contact Center staffed with Medicare experts.”

About Ensurem

Ensurem, headquartered in Clearwater, FL, is a leading technology and product distribution company serving carriers and consumers within the massive U.S. senior market. The company provides end-to-end solutions for carriers, including product development, digital marketing, and consumer-centric front ends and back end. For more information, please visit http://www.Ensurem.com

1.    “Press Release Medicare Advantage Premiums Continue to Decline While Plan Choices and Benefits Increase in 2019.” CMS, 2019.

2.    Bryant, Bailey. “CMS: Hundreds of Medicare Advantage Plans Preparing to Roll Out New Home Care Benefits in 2020.

3.    “Seniors Not Prone to Switching Medicare Advantage Plans.” Provider Long Term and Post-Acute Care, 2019.

4.    Lilleston, Randy. “Survey Finds Seniors Struggle to Understand Medicare Plans.” AARP, 16 Nov. 2017.

5.    “About Ensurem: Your Insurance Marketplace. Learn, Get Quotes & Shop.” Ensurem, 2019.

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Lucky Neighborhood Credit Union Member in Lake Highlands Starts 2020 with a Nearly $50K Surprise in His Account to Reward His Good Savings Habits


From left to right: Rachel Pigman, Donald Kissinger, and Dana Jones.

My dad taught me to put away 10 percent of anything I made. I started saving at the age of 16.

The new year has started out to be extra happy for one Lake Highlands retiree, who was surprised at his home Friday morning with a $49,999 prize from Neighborhood Credit Union as a reward for his good savings habits.

Donald Kissinger was skeptical when he opened the door to find several Neighborhood Credit Union staff members on his porch with balloons and an oversized “check” made out to him. As the realization of his surprise began to sink in, he first fought to find words then to hold back tears, as he hugged each team member.

Kissinger’s name was drawn on New Year’s Day from all the credit union’s Prize Savings Account holders. Since 2007, Neighborhood Credit Union has offered the Prize Savings Account as an innovative approach to help reverse the low savings rate across the nation. Neighborhood Credit Union created the Prize Savings Account as a fun way to encourage people to save money and provide prizes and rewards so people could have an immediate and tangible way to see how good savings habits can reap unexpected rewards.

Kissinger has been a member of Neighborhood Credit Union for decades, dating back to the 1940s when his father joined what was then the Dallas Postal Credit Union. He credits his parents for instilling in him the importance of saving money.

“My dad taught me to put away 10 percent of anything I made,” said Kissinger. “I started saving at the age of 16.”

Kissinger grew up in East Dallas and joined the Navy, serving two tours of duty in Vietnam. After returning to Dallas, he began working with the inventor of the Post-It Note and eventually retired from the 3M Corporation after 35 years. Six year ago, he moved into the Lake Highlands neighborhood to help care for his elderly mother.

Kissinger noted that this New Year’s surprise was especially meaningful. “I had to bury a lot of people in 2019 and am glad that year is gone,” said Kissinger. “This is a very good start to a new year.”

Kissinger said he plans to keep most of the funds in his Prize Savings Account, although he may spend some of it on a trip to Europe.

“I was in Paris on 9/11 and have not been there since,” he said. “I think it might be time to go back to Paris after all these years.”

How the Prize Savings Account works: Neighborhood Credit Union members receive one drawing entry for every $25 monthly average balance in their Prize Savings Accounts. The greater the savings, the more chances a member has of winning. Members are eligible for monthly and quarterly weekly drawings, culminating with the annual grand prize, drawn each January 1 based on the average monthly balance in the savings account at close of business December 31.

About Neighborhood Credit Union: The oldest credit union in Dallas (chartered April 18, 1930), Neighborhood Credit Union is a not-for-profit financial organization serving Collin, Dallas, Denton and Ellis counties, as well as the city of Arlington. With locations across North Texas and assets of $800 million, Neighborhood Credit Union has a membership of 56,000 and continues to welcome new members daily. For more information, call (214) 748-9393 or visit myncu.com

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Car Insurance 2020 – Why Drivers Should Compare Car Insurance Quotes Online


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“Online quotes can help drivers obtain better insurance deals from the comfort of their homes. They are easy to get and will help anyone compare prices,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has launched a new blog post that explains the benefits of using online car insurance quotes.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/why-drivers-should-online-car-insurance-quotes/

The internet has changed the ways goods and services are purchased. Today, many goods and services are purchased online. Drivers no longer have to travel from one insurance agency to another in order to get car insurance quotes.

Drivers that compare online car insurance quotes can take advantage of the following benefits:


  • The main purpose of online quotes is to help drivers save money. By comparing online insurance quotes, drivers can find better deals. In some cases, drivers can save hundreds or even thousands of dollars. Newly established car insurance companies are easier to find with the help of online quotes and they usually offer better deals than other insurance companies.
  • Online quotes can be obtained in a really comfortable manner. To obtain online insurance quotes, drivers can stay in the comfort of their home and browse brokerage websites. All they need is an internet connection and a smart device like a pc, notebook, smartphone, or tablet that can display online quotes.
  • Get multiple filtered results on a single web page. Drivers can visit brokerage websites in order to get quotes. After they complete the online questionnaires, drivers can expect to receive multiple insurance estimates from insurance companies in their area.
  • Online quotes are known to be really accurate. To get an estimate that is as close as possible with the real insurance price, drivers should complete complex questionnaires with accurate and honest info.
  • Drivers can find better deals when the renewal time arrives Some insurance companies will offer consistent discounts to drivers that are willing to change their providers when there are only several weeks remaining until their policy expires.

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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How To Get Accurate Car Insurance Quotes


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“Obtaining cheaper car insurance is not that difficult. There are several clever methods any driver can apply in order to save money on car insurance,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has launched a new blog post that presents several methods drivers can use in order to get lower car insurance rates.

For more info and free online quotes, please visit https://compare-autoinsurance.org/how-to-get-cheap-premiums-for-auto-insurance/

The main reason for shopping online is to obtain the lowest car insurance deal possible. However, policyholders that own only the minimum required coverage can be put in a difficult situation when an accident happens. In many cases, the minimum coverage is not enough to cover all the expenses. That’s why policyholders should get more than minimum coverage, and then try to lower their premiums.

To get lower car insurance rates, policyholders should follow the next tips:


  • Consider buying a safe car. One important factor that can affect the price of insurance is the safety rating of a vehicle. Drivers that are planning to buy a new vehicle should check what vehicles are considered safe and, thus easier and cheaper to insure. Drivers can check the safety ratings of vehicles by going to websites of IIHS and NHTSA. Policyholders can also improve the safety rating of their current vehicles. There are numerous aftermarket safety devices that can make a car safer. However, drivers should contact their insurers, before installing any safety devices, and ask them what safety devices are approved and how much they can save on insurance.
  • Attend and graduate a defensive driving course or a refresher course. During these courses, drivers will learn how to better identify road obstacles and how to avoid them. Also, they can improve their driving skills and learn new safe driving techniques. Graduating a defensive driving course will make the insurance company provide a discount that usually is 10% of insurance costs for the next 5 years. Senior drivers are recommended to attend refresher courses and get in touch with the latest safety devices and safe driving tips.
  • Combine multiple policies offered by the same company. One effective way that can help policyholders to save money on car insurance, is to combine all the available policies to one insurer. Besides saving money on insurance, bundling policies can be convenient, as policyholders will have one contract with one carrier for all of their insurance needs.
  • Driver fewer miles and see if you qualify for a low-mileage discount. Insurance companies consider that drivers that spend less time in traffic are less likely to be involved in accidents. For this reason, they encourage drivers to drive less by offering a substantial low-mileage discount. To qualify for this discount, drivers will have to drive fewer miles than a certain limit that is different from one provider to another.

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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Seven New Tips For Getting Better Auto Insurance Rates


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“Being a safe driver, having safety devices installed and making smart coverage changes will help you save money on car insurance,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Car insurance rates are determined after analyzing multiple factors, including car model, driving history and ZIP code. While some factors, like state legislation, are beyond driver’s control, other rating factors can be modified and bring the costs down. Find out how to get better premiums:


  • Use online car insurance quotes. Brokerage websites are recommended to complete car quotes. Make sure you complete the same information on all the questionnaires. After you received at least three car quotes, start analyzing them in order to find the most advantageous deal. Also, check all available discounts offered by each insurer.
  • Carefully adjust deductible levels for comprehensive and collision coverage. Deductibles are the money paid by the policyholder before the insurance policy kicks in. By raising deductibles, the policyholder will lower his premium rates. However, choose a deductible that can be easily paid.
  • Avoid committing traffic violations or accidents. A driver with a clean driving record for a number of years is eligible for a safe driver discount. Most insurance companies will lower premium rates after three years of clean driving, while other insurers will wait even five years to provide this discount. Usually, this discount will lower insurance rates by 10%-20%.
  • Buy a car considered to be safe to drive. Factors like the likelihood of theft, costs to repair and safety record, determine the price of the insurance rates. Safety and anti-theft devices also play a significant role in determining the premium of a vehicle. Safety ratings can be improved by adding aftermarket safety and anti-theft devices.
  • Keep a good credit score. Insurance companies calculate rates based on how good or bad is a person’s credit score. Drivers with bad credit scores will pay higher insurance rates. Improve credit score by using balance transfer credit cards of short term loans with a credit union.
  • Do not redundant or useless full coverage. If the car is worth less than ten times the premium, having full coverage may not be cost-effective. Auto dealers and banks can tell you how much your car is worth it.
  • Pay for the whole policy in advance. Drivers can save even 10 percent form their premium, by choosing to pay the whole insurance once. In that way, they will no longer pay monthly administrative fees.

For more car insurance info, money-saving tips and free online quotes, please 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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How To Get Accurate Car Insurance Quotes Online


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“It is possible to get really accurate car insurance quotes. All you have to do is to provide correct info and use extended online questionnaires ”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has released a new blog post that presents several tips to help drivers get accurate car insurance quotes.

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

Now is easy to compare insurance rates from multiple different insurance providers nationally and locally. After entering details pertaining to his vehicle and driving history, the user will get matched with several companies. Using this type of service, a user can quickly narrow down his search to companies that provide what he is looking for. Find out how to get accurate quotes and get free quotes from http://compare-autoinsurance.org.

  • Determine what coverage options should be purchased. It all starts with knowing what the driver wants to purchase. Besides buying the minimum coverage required by the state, a driver may need additional coverage, depending on his car and budget. People who own new, valuable models, should purchase full coverage. People that do not have a solid health/life insurance coverage, should also consider buying PIP/Medicare insurance. If a person has more than one vehicle, it may be wise to opt for multi-vehicle plans. Also, consider bundling policies. This will save drivers a lot of money. Besides that, determine the most convenient deductible levels and add-ons.
  • 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.
  • Be prepared to use relevant documents. 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.
  • Use realistic annual mileage approximations. Most companies consider 12.000 to be the average annual mileage for a driver. Users are asked to input the annual mileage, by either adding the value, selecting it from a range or providing the approximate daily mileage. Lying to the insurance company will seriously backfire. Claims can be denied if the ulterior technical inspection shows much higher mileage values.
  • Extended questionnaires offer a higher degree of accuracy. It is well-known the fact that a more complex questionnaire will provide better results. A user who fills out a long, in-depth survey about the vehicle history, driving history, use of the vehicle, credit history, etc. and he will get a much more accurate quote. Short quote forms, while convenient, fast, and easy to use, will often times be very inaccurate. Spending 5-10 minutes to fill in all the details will be worth the time. Reputable companies embed complex questionnaires and high-speed rate calculators. They provide really accurate online quotes.


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, please visit http://compare-autoinsurance.org.

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