“Requesting online quotes and comparing prices is the only way to make sure that you still pay a fair amount of money on car insurance”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
December 16, 2019

Compare-autoinsurance.org has released a new blog post that informs policyholders about lesser-known reasons for having expensive car insurance premiums.

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

There are huge cost differences between policyholders, based on their location and risk category. While it makes sense to have the costs influenced by driving experience, age, driving history and car model, some factors may look irrelevant at first. But for insurance companies, they also matter a lot. Some of these surprising factors are:

• 
  The policyholder’s credit score. At first glance, a person’s creditworthiness should not affect how much he or she pays for car insurance. Under the FICO credit system, a person has a poor score if the score is below 580. A person with a bad repayment history is considered high-risk for insurance companies. That person is more likely to miss payments or drop coverage mid-term. Creating car insurance lapses will negatively impact the insurability score. If possible, improve the credit score using one-time payments, keeping a low credit utilization rate and balance transfer credit cards. It may be wise to consult with a finance specialist and create a plan for improving the creditworthiness.
• The company offers small or inexistent loyalty bonuses. Keeping the existing customers loyal should be a primary focus for all insurance companies. Many companies offer really tempting incentives to their safe drivers, in order to keep them loyal. These come usually under the form of a generous discount. However, there are companies that offer really small discounts or they do not offer at all. For the last case, policyholders should really analyze if switching to another carrier would bring more financial benefits.
• Carriers that practice price optimization. This is another prime example when loyalty hurts the policyholder’s budget. Some companies practice this so-called “price optimization”. They gradually increase a policyholder’s premium upon renewal, since they consider it is less-likely for the client to change the provider. Usually, long-term loyal customers are targetted by price-optimization.

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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“Car insurance does not have to cost a fortune. Check our website for more info and free quotes”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
December 16, 2019

Compare-autoinsurance.org (http://compare-autoinsurance.org/) is a top auto insurance brokerage website, providing car insurance quotes online from trustworthy agencies all over the United States. This website offers car insurance info about different coverage types and money-saving tips.

Car insurance is required by law across the United States. Without meeting the state’s minimum requirements, a driver cannot legally drive. Some people may consider car insurance too expensive (and, in fact, it really expensive for some categories of drivers) and decide to drop coverage. This is a huge mistake, which can have really unpleasant consequences. The alternative is to make premiums cheaper. Check the next 6 ways to reduce insurance costs:

• 
      Keep a clean driving record. Although this may seem a no-brainer, being a safe driver is the best way to keep premiums low. Furthermore, being a safe driver and staying with the same driver for a number of consecutive years will grant a driver access to some discounts and bonuses. Avoid traffic violations, like speeding, ignoring signs and red light or DUI/DWI. The policyholder can quickly lose his bonuses and even the whole coverage if the carrier decides that there are too many traffic violations and the driver has become a too greater risk.
•     Declare the correct main driver. Some people lie when applying for car insurance and assign a more experienced person as main driver. This is illegally and it is called “fronting”. If this is discovered (usually after a claim), the insurance company will decline the claim and will begin a meticulous investigation. The fraud will be recorded and any company the driver will try to access in the future will know about it.
•     Avoid letting unexperienced or horrible drivers ride the car. Keep in mind that the policyholder is responsible for anything that happens to the car. So, even if the relatives or good friends ask to borrow the car, decline the request if they are known to have poor driving experience or they are not that competent drivers.
•     Pay the premiums in advance. Paying-in-full is a smart way to reduce the insurance costs. As advertised by many online forms, paying everything in advance can save the policyholder as much as 15%. It is simple math and anyone can check how much they can save if they pay in advance.
•     Avoid filing claims for minor accidents. It is not recommended to bother the insurer for just a few scratches or dents which can be easily repaired and will cost little. Compare the repair costs with the existing deductibles.
•     Improve the credit score. Insurance companies use credit score as a rating factor. If the score is less than Excellent, seek ways to improve it. A finance consultant can help you select the best strategies.

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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“Getting car insurance discounts will help you keep insurance costs under control. Always ask the insurer’s rep about these discounts”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
December 16, 2019

Cheapquotesautoinsurance.com (http://cheapquotesautoinsurance.com) is a top auto insurance brokerage website, providing car insurance quotes online from trustworthy agencies all over the United States. This website offers car insurance info about different coverage types and money-saving tips.

Insurance companies are well known for granting their clients a really high number of discounts that can save a lot of money. A person can be eligible for discounts for all sorts of reasons, from the obvious ones, like being a safe driver, up to being a member of certain clubs or working for a certain company. However, some discounts are really valuable and drivers are recommended to try to obtain them. These are:

• 
  Shopping online discounts. Many insurance companies encourage drivers to shop online for car insurance. Shopping online cuts some costs for insurance companies, like paying some middle-men. And many companies agree that buying online should be rewarded. Some companies offer a 10%-15% off for online purchases.
• Multi-vehicle discounts. For many families that own multiple cars, using a single policy to cover them all is really a sound option. It is less hassle and paperwork to pay just a single bill. Plus, insurance companies will provide a discount which is directly proportional with the number of insured cars.
• Switching carrier discounts. Some companies are more than happy to greet new customers who have changed their insurers. Offering newcomer discounts is a good marketing strategy. Always check for newcomer discounts before switching the car insurance provider.
• Going paperless. Living in a highly-digitalized world has some really solid advantages. Policyholders can choose to go paperless. That means paying premiums electronically, via a bank account, have proof of insurance stored digitally and even get some apps. Choosing to go paperless also saves the insurer some money.
• Paying-in-full discounts. Paying the full coverage in advance is also greatly rewarded by the insurance company. The value of the discount also varies, with some of the best offers ranging around 15%.
• Safety gear discount. Insurance companies provide discounts to drivers who choose safe cars to drive. Cars equipped with crash avoidance technology and anti-theft devices will help drivers get a series of discounts.

Cheapquotesautoinsurance.com 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://cheapquotesautoinsurance.com

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Dave Rich, CEO of Ensurem, discusses the Special Enrollment Period (SEP) recently announced for seniors affected by severe weather.

“We can’t assume that seniors will hear about the extension nor understand it. Something as important to their health and wellbeing as Medicare enrollment needs to be communicated–and fast.”

CLEARWATER, Fla. (PRWEB)
December 16, 2019

A Special Enrollment Period (SEP) has been declared by the Centers for Medicare and Medicaid Services and is available to seniors who reside in areas affected by recent severe weather. This extension pushes the deadline from December 7 to either December 31 or January 31, depending on the county in which the senior resides. “Outbreaks of severe weather this fall have added to technical issues with the normal Medicare annual enrollment,” says Dave Rich, CEO of Ensurem LLC. “We need to reach out to seniors living in affected areas identified by FEMA and ensure that they understand the Special Enrollment Period [1].”

The Centers for Medicare and Medicaid have outlined that the SEP applies to individuals who:

• Rely on help making healthcare decisions from someone who lives in the affected area
• Reside, or resided at the start of the incident period, in an area for which FEMA has declared an Emergency or a Major Disaster and has designated affected counties as eligible to apply for Individual or Public level assistance; and
• Had another valid election period at any time during the incident period; and
• Did not make an election during that other valid election period.

Rich, whose company is an online, multi-carrier insurance brokerage, has entered the retail Medicare solutions market with a large and swift capacity to assist seniors trying to navigate their Medicare coverage options. With over 300,000 seniors per month searching for coverage solutions, Ensurem utilizes their innovative technology to facilitate the exchange of information between this large populace and the health insurance industry–all with a platform for education and awareness.

Ensurem’s call centers are standing by to handle the calls from seniors confused as to whether the extended deadline affects them. Their call centers log over 2,000 calls per day and they have access to the FEMA-designated counties nationwide that are affected and can also answer general questions pertaining to coverage options. The call center is open at 800-729-5109.

The areas affected that have been given extensions are:

1. South Dakota – SEP End Date – January 31, 2020

2. Texas – SEP End Date – January 31, 2020

3. North Carolina – SEP End Date – January 31, 2020

4. South Carolina – SEP End Date – December 31, 2019

5. Georgia – SEP End Date – December 31, 2019

6. Florida – SEP End Date December 31, 2019

7. Florida Seminole Tribe – SEP End Date – December 31, 2019

8. Puerto Rico –SEP End Date – December 31, 2019 [2]

To help seniors sort through these options and obtain the coverage they need, Ensurem, which has relationships with most of the major health insurance issuers in the U.S., also maintains a presence in kiosks within several retail store chains. To date, with the help of companies specializing in health kiosk placements, Ensurem has deployed its first-in-industry software solutions to 4,500 of these kiosks in pharmacies and retail locations throughout the country to simplify the Medicare buying process.

“We can’t assume that seniors will hear about the extension nor understand it. Something as important to their health and wellbeing as Medicare enrollment needs to be communicated–and fast,” stresses Rich.

Ensurem’s call centers are standing by to handle calls from seniors in FEMA-designated counties nationwide and answer general questions pertaining to coverage options: 800-729-5109.

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 Ensurem.com.

1. Staff Generated, “CMS Open Enrollment Notices”, CMS.gov, December 2019, Web.

2. “SEP Notice for Individuals Affected by Severe Weather.” Humana SEP Notice, Humana, 2019.

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“The area where you live presents a high interest for every carrier. The number of cars, the average cost of repairing a damaged vehicle, the income and many other factors participate in determining a claim risk profile of the region,” said Russell Rabichev, Marketing Director

LOS ANGELES (PRWEB)
December 15, 2019

Compare-autoinsurance.org has released a new blog post explaining how the neighborhood where clients live will influence auto insurance rates.

For more info and free car insurance quotes, check https://compare-autoinsurance.org/the-relevance-of-you-neighborhood-from-a-car-insurance-companys-point-of-view/

Amongst the numerous factors used for rating a client, the area where the person lives will have a deep impact. Each particular region is characterized by a series of demographic, geographic and economic factors.

• 
      Influential demographic factors. The most influential demographic factor is the population density – a higher population density automatically means more cars on the roads, And more cars present on the roads, translate into higher the chances of being involved in an accident. This is why people living in urban centers pay more, in comparison with those living in rural areas. Crime rates, especially vandalism, riots, and car thefts are also analyzed by insurers before issuing any coverage.
•     Geographic factors include the geographic layout of the area, frequency of extreme weather phenomena and road infrastructure. For example, people living in coastal areas, where hurricanes are more frequent will pay more expensive premiums. Insurance companies also have special exclusions. A person cannot buy comprehensive car insurance after a hurricane or another natural disaster alert has been broadcast.
•     Economic factors also impact insurance expenses. The most influential economic factor is the unemployment rate. A high rate is directly correlated with an increased number of insured and underinsured drivers. This is why in states with high car insurance rates we usually encounter a high number of uninsured drivers. The specialization of an area and the average income are also taken into consideration by carriers when analyzing rates.

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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“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, CA (PRWEB)
December 14, 2019

Compare-autoinsurance.org has released a new blog post presents 10 efficient ways to get lower car insurance prices.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/10-ways-in-which-a-driver-can-save-for-car-insurance/

Insurance expenses can rise to several thousand of dollars per year. It all depends on several factors, including the model of the vehicle, driving experience and history, coverage limits, annual mileage and so on. Drivers can get better rates if they:

• 
      Bundle multiple insurance services using the same company. Bundling car insurance with homeowners/renters/condo insurance usually makes the policyholder eligible for a 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.
•     Check for multi-vehicle plans. 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.
•     Conveniently adjust the deductible levels. The policyholder has the right to set the deductibles. The usually recommended value is $500, for both comprehensive and collision coverage. However, the policyholder can choose higher values, thus lowering the rates.
•     Full coverage is not recommended for older, less-valuable 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 older cars is usually a mistake.
•     Keep a clean driving record. 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.
•     Buy a safe-to-drive car. 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.
•     Get only quotes every six months. 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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“When discussing with an insurance agent it is important to ask the person about prices, discounts, exclusions, risk profile, and extra services. It may take a while until you get all the answers. But, in the end, you can get a really awesome insurance plan and save money.” said Russell Rabichev

Los Angeles, CA (PRWEB)
December 14, 2019

Autoinsurancequotesave.com has released a new blog post that informs customers what questions to ask car insurance agents when negotiating. This website also provides free car insurance quotes online!

For more info and free quotes, visit https://www.autoinsurancequotesave.com/what-to-ask-car-insurance-agents-before-buying-a-policy/

Car insurance agents are professionals who connect potential clients with various insurance companies. Their role is to sell car insurance and provide assistance when required. This also includes providing car insurance quotes. However, it is possible to get quotes online, using http://www.autoinsurancequotesave.com.

When discussing with an insurance agent it is imperative to ask the following:

• 
      What are the recommended coverage types? The agent must know which policies are mandatory in each state and minimum coverage level. Besides liability coverage, there may be other coverage types required. After analyzing each case, the agent may recommend additional coverage.
•     Risk profile. Insurance companies analyze a high number of factors in order to classify a client as Preferred, Standard or High-Risk. Even so, an agent should analyze the client’s info and determine his risk classification. In the case of high-risk drivers, ask about existing non-standard carrier offers.
•     Covered events. The agent should be aware of all available covered scenarios for the policies he sells. Ask about coverage against theft, natural events, riots, flipping your own car and how will the policyholder be reimbursed
•     Discounts and deductibles. These factors will have a great impact on insurance prices. Ask how much the prices will go down when the client selects the highest deductible level. Furthermore, ask for a list of discounts and how to qualify for each of them.
•     Bundling options. Most insurance companies sell more than one insurance product. Check if it is possible to bundle home and auto insurance or to insure multiple vehicles under the same contract. Bundling insurance services is a great way to save money and time.

Autoinsurancequotesave.com 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://www.autoinsurancequotesave.com

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