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.

New Guide For Obtaining Accurate Car Insurance Quotes Online


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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.

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 https://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 budget for insurance. Drivers should not opt for high coverage levels and options they don’t really need if they can’t really afford to pay the price of the premiums. To see what they can really afford, drivers can use online quotes to simulate different insurance plans with different coverage levels and options. By doing so, policyholders will know how to properly acquire an insurance plan without emptying their wallet.
  • Make sure to keep documents nearby. Online questionnaires will ask the policyholder to provide them with data about the car make, model, sub-model, year of production, safety devices, engine, and other relevant data. Drivers can remember some of these data, but it is important to have these documents nearby when filing an online quote. Sending wrong data to the insurance companies can result in a lower estimate for the actual cash value.
  • 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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FormFire LLC launches an improved ACA Quote Engine


“Relaunching our ACA Quote Engine has given us a number of new opportunities,” said Andrew Laytin, Chief Technology Officer at FormFire. “Most importantly, we improved the accuracy of the rates coming out of our system, which our Broker customers have been requesting.”

FormFire, LLC announces the launch of their improved ACA Quote Engine which is more accurate, timely and widely available. Through a partnership with the industry-leading Carrier data provider, Vericred, FormFire is able to provide information from a single, reliable source.

The FormFire ACA Quote Engine allows Brokers to gather plan and pricing information for small group, fully-insured plans. FormFire’s standard proposal is included with the engine, which provides a breakdown of plan and pricing data, as well as calculations for age-banded and composite rates.

Vericred gives FormFire access to health insurance and employee benefit data through a universal API. Through this partnership, FormFire can quickly and efficiently expand the states in which Carriers plans and pricing are available, all while reducing the possibility for any error during data input.

“Relaunching our ACA Quote Engine has given us a number of new opportunities,” said Andrew Laytin, Chief Technology Officer at FormFire. “Most importantly, we improved the accuracy of the rates coming out of our system, which our Broker customers have been requesting.”

The FormFire ACA Quote engine currently provides plan and pricing information in the majority of US States. FormFire is working toward full US coverage and is regularly adding new states to the engine. Automating the upload of plan details and rates will increase the speed to market and allow Brokers to quote more quickly as new rates become available.

FormFire is constantly working to make Brokers’ jobs more efficient so they can spend more time growing their client relationships. With these new updates to the ACA Quote Engine, they have made it easier for Brokers to generate accurate quotes for multiple Carriers all at once.

These new updates will be available on September 18.

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California Casualty Announces 2019 Music and Arts Grant Recipients


www.calcasmusicartsgrant.com

California Casualty’s Music and Arts Grants

Students love to showcase their creativity, and helping educators keep music and arts in the forefront of every-day learning is absolutely the right thing for us to do.

One hundred and thirty nine public schools in 31 states will be receiving a $250 Music and Arts Grant from California Casualty. A total of $34,750 will provide materials, supplies, and instruments for art, music, and performance programs at the schools.

The grant is designed to foster creativity in schools, such as choir, band, dance, film, theater, computer arts and graphics, or any K-12 curriculum that employs art for learning.

Examples of how the $250 grants for 2019 will be used include:

  • Purchasing special adaptive instruments for the Special Education Center at Mark Twain School in Garden Grove, CA, that serves special needs and medically fragile students
  • Supplying watercolor sets for third grade students at Homer Davis Elementary School in Tucson, AZ
  • Providing recorders for each music class student at Marie Roberts-Caney Elementary School in Lost Creek, KY
  • Acquiring Diary of a Whimpy Kid books to foster the reading program at Garfield Elementary School in Yakama, WA
  • Supplementing various art supplies (that the instructor often purchases with her own funds) at the Classical Studies Magnet Academy in Bridgeport, CT
  • Buying an additional camera to allow more students to participate in the photography program at Filer High School in Filer, ID

The entire list of Music and Arts grantees is included below.

California Casualty has partnered with education associations since 1951 and understands the importance of music and arts education for children. Numerous studies have concluded that sharing a love of the arts enhances students’:

  • Brain development
  • Creativity
  • Classroom involvement

Music and art curriculum has also been shown to reduce disciplinary issues and dropout rates.

Unfortunately, many schools have reduced or eliminated music and arts education because of budget cuts. California Casualty hopes to fill the need with the Music and Arts Grant.

“Students love to showcase their creativity, and helping educators keep music and arts in the forefront of every-day learning is absolutely the right thing for us to do,” said California Casualty AVP Brian Goodman.

Public K-12 schools needing funding for an arts or performance program can apply for the 2020 Music and Arts Grant from California Casualty at http://www.calcasmusicartsgrant.com.

Founded in 1914, California Casualty provides the NEA Auto and Home Insurance Program. Headquartered in San Mateo, California, with Service Centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. To learn more about California Casualty, or to request an auto insurance quote, please visit http://www.calcas.com/NEA or call 1.800.800.9410.

2019 Music and Arts Awardees

Alabama

Collins-Rhodes Elementary School, Eight Mile

Randolph County High School, Wedowee

Arizona

Homer Davis Elementary School, Tucson

Roadrunner School, Phoenix

California

Bobbie Smith Elementary School, Long Beach

Braddock Drive Elementary School, Culver City

Brea County Hills Elementary School, Brea

Brentwood Academy, East Palo Alto

Bret Harte Elementary School, Long Beach

Browns Valley School, Napa

Carolyn Clark Elementary School, San Jose

Cesar Chavez Middle School, Hayward

Dairyland Elementary School, Chowchilla

Del Rey Elementary School, Del Rey

Delaine Eastin Elementary School, Union City

Fairview Elementary School, Fairfield

Foothill Middle School, Walnut Creek

French Camp Elementary School, French Camp

Grant Elementary School, San Jose

Hawthorne High School, Hawthorne

Hendrick Ranch Elementary School, Moreno Valley

Hughson Elementary School, Hughson

Jackson Heights Elementary School, Red Bluff

Junipero Serra Elementary School, San Francisco

Justin Early Learners Academy, Simi Valley

Laguna Creek High School, Elk Grove

Lakeside Middle School, Lakeside

Linda Verde Elementary School, Lancaster

Lindbergh Middle School, Long Beach

Mann Middle School, San Diego

March Middle School, Moreno Valley

McKinley Elementary School, Santa Barbara

Mno Grant Elementary School, Antioch

Nevada Union High School, Grass Valley

Raisin City Elementary School, Raisin City

RF Hazard Elementary School, Santa Ana

Rocklin Elementary School, Rocklin

San Gabriel High School, San Gabriel

Special Education Center at Mark Twain School, Garden Grove

Susan B. Anthony Elementary School, Sacramento

Three Rings Ranch Elementary School, Beaumont

Trinity High School, Weaverville

Winter Gardens Elementary School, Lakeside

Yucca Loma Elementary School, Apple Valley

Colorado

Asbury Elementary School, Denver

Heritage Elementary School, Pueblo

Hygiene Elementary School, Longmont

Malley Drive Elementary School, Northglenn

North Middle School, Aurora

Wiggins Elementary School, Wiggins

Connecticut

Aces Village School, North Haven

Classical Studies Magnet Academy, Bridgeport

Cross Street Intermediate School, Naugatuck

John G. Gilmartin Elementary School, Waterbury

Shelter Rock Elementary School, Danbury

Florida

Moore Haven Middle-High School, Moore Haven

Idaho

Clark County School District #161, Dubois

Filer High School, Filer

Summit Elementary School, Jerome

Illinois

Cedar Ridge Elementary School, Bloomington

Central Community High School, Breese

Chillicothe Elementary Center, Chillicothe

McHenry Middle School, McHenry

Indiana

East Crawford Elementary School, Milltown

East Noble High School, Kendallville

Franklin Township Middle School West, Indianapolis

Northridge High School, Middlebury

Summit Elementary School, Bloomington

Iowa

Capitol View Elementary School, Des Moines

Grinnell High School, Grinnell

West Lyon Community School, Inwood

Kansas

Hays Middle School, Hays

West Franklin Elementary School at Williamsburg, Williamsburg

Kentucky

Kathyrn Winn Primary School, Carrollton

Marie Roberts-Caney Elementary School, Lost Creek

Maine

Sedomocha Elementary School, Dover-Foxcroft

Maryland

Murray Hill Middle School, Laurel

Snow Hill Elementary School, Snow hill

Minnesota

Cass Lake-Bena Elementary School, Cass Lake

STAR: Assistive Technology Department, Chaska

Missouri

Coverdell Elementary School, St. Charles

Duchesne Elementary School, Florissant

Indian Creek Elementary School, Kansas City

Nebraska

Benson High School, Omaha

Hampton Public School, Hampton

Sandhills Public Schools, Dunning

Nevada

Pleasant Valley Elementary School, Reno

New Hampshire

Beech Street Elementary School, Manchester

New Jersey

Atlantic City High School, Atlantic City

Bartle Elementary School, Highland Park

Carl T. Mitnick School, Cape May

Hurden Looker Elementary School, Hillside

McKenzie School, East Rutherford

Panther Academy, Paterson

Washington Elementary School, Hawthorne

New Mexico

Highland Elementary School, Las Cruces

Tucumcari Elementary School, Tucumcari

Ohio

Black River Elementary School, Sullivan

Belpre High School, Belpre

Claymont Elementary School, Uhrichsville

Green Elementary School, Logan

Heritage Middle School, Painesville

Newcomerstown EVSD-West Elementary School, Newcomerstown

Overlook Elementary School, Wadsworth

Oklahoma

Pond Creek-Hunter Elementary School, Pond Creek

Oregon

Joseph Charter School, Joseph

Kennedy Middle School, Eugene

Peninsula Elementary School, Portland

Roberts High School, Salem

Shasta Elementary School, Klamath Falls

Union School District, Union

Pennsylvania

Conrad Weiser East Elementary School, Wernersville

Leechburg Area High School, Leechburg

North Schuylkill Jr./Sr. High School, Ashland

Octorara Area Elementary, Atglen

Roosevelt Elementary School, Allentown

Tamaqua Area High School, Tamaqua

Tennessee

Northview Primary School, Kodak

Texas

Lamar Elementary School, Amarillo

Utah

Springdale Elementary School, Springdale

Virginia

Elkhardt-Thompson Middle School, Richmond

Montross Middle School, Montross

Nansemond River High School, Suffolk

Washington

Arcadia Elementary School, Deer Park

Brookdale Elementary School, Tacoma

Chattaroy Elementary School, Chattaroy

Chief Sealth International High School, Seattle

Covington Middle School, Vancouver

DeLong Elementary School, Tacoma

Evergreen High School, Seattle

Garfield Elementary School, Yakima

George T. Daniel Elementary School, Kent

Highland Middle School, Bellevue

Julia Butler Hansen Elementary School, Olympia

Lincoln High School, Tacoma

Shorecrest High School, Shoreline

Westview Elementary School, Spokane

Wyoming

Alta Vista Elementary School, Cheyenne

Rock Springs High School, Rock Springs

Compulife Introduces Table Ratings to its Life Insurance Quote Software


Compulife quotes hundreds of different life insurance products for more than 125 life insurance companies.

Compulife Software, Inc. has introduced an important new quoting feature allowing users to automatically obtain quotes for table rated life insurance premiums. The user specifies the Table Rating value that they believe the client can qualify for and the Compulife program automatically produces the corresponding premiums, for that table, for all life insurance products in Compulife’s table rating database.

Table rated premiums are higher than normal premiums that life insurance companies offer to consumers who cannot otherwise qualify for standard premiums. For example, if an individual has diabetes they will likely have to pay a higher premium for a new life insurance policy. The industry calls such cases “substandard” and uses tables based upon the severity of the problem. The additonal premium added to a standard life insurance premium is called a table premium and that is determined from up to 16 different tables that a life insurance company may or may not offer. The company’s underwriting department ultimately decides which table may be available.

Compulife President Bob Barney emphasized that consumers who have existing life insurance policies at standard rates are not impacted by table ratings. Table rating only impact the purchase of a new insurance policy. For the vast majority of life insurance products, once a consumer owns a life insurance policy a change in their individual health does not change the premiums for that life insurance policy.

The new Table Rating quote option is a free and automatic upgrade for all Compulife subscribers.

A typical life insurance agent that purchases Compulife can get an annual subscription for as little as $96 per year. That $96 gives them access to quotes from hundred of policies from over 100 life insurance companies. The $96 option is called “Compulife Basic” and it is web based application that will run on computers, smart phones, tablets or any device with a browser and web access. Most Compulife customers upgrade and subscribe to the Windows PC version of the software which is $180 per year (includes Compulife Basic). The Windows PC version is Compulife’s most sophisticated quoting tool.

Both versions of Compulife now offer automatic table rating quotes.

Compulife President Bob Barney said, “Compulife has a 37 year long tradition of continuing to improve our software products. As we move forward we add new features and capabilities to the software and most of those are included in the annual cost of the subscription.”

Prior to the release of the new Table Ratings option Compulife subscribers could do a table rating but they needed to manually enter the additional percentage information to produce the individual quote. The new option is fully automated and simply asks the agent which table they want to quote. From there the software instantly produces a comparison for all the products for that table rated premium.

Barney explained, “We did not do this previously because of the complexity of some table rating calculations. In some cases the additional cost of a table rating is a relatively simple calculation, in other cases it is so complicated that the only way to quote the various tables for a product is to actually store the rates for all those different tables for just that one product. That can be a lot of additional work.”

The updating of rates for existing products, and the addition of new products and rates, are key elements of the subscription service that Compulife provides its customers. When life insurance companies introduce new products or change rates for existing products Compulife makes those changes and automatically updates its customers. That is included in the annual subscription fee that Compulife charges for its service.

Barney explained that this can be a lot of work on Compulife’s part, especially if a number of companies all make changes at the same time. With the addition of the new table ratings quote feature it means even more work. Barney said, “In the case of some products for which we have added table ratings, the data entry for just one product can take as much as a couple of days whereas with an average product the data entry time can be less. While that may not sound like a big job, you have to keep in mind that between the U.S. and Canada, Compulife quotes hundreds of different life insurance products for more than 125 life insurance companies. It’s a big job.”

Barney went on to emphasize that Compulife’s objective is simple, quote as many life insurance products for as many companies as possible and do so accurately. He added, “Our customers do not care if our software was accurate last month, last week or even yesterday. What they want are accurate quotes for products right now and they have little patience when they encounter a premium that is not accurate. Knowing this we have to be certain that whatever new quoting features we add that we can keep them as up-to-date and accurate as we do for the products that we already quote. Compulife has a longstanding reputation for being accurate and we need to be cautious that we do nothing to undermine that reputation.”

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Accresa Expands Texas Network to Improve Access to Primary Care Services for DFW Employees


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Accresa, a Dallas-based healthcare technology provider, is partnering with health systems in Dallas and select markets across the country to make promising healthcare solutions like direct primary care (DPC) more widely available and more easily scalable within the framework of an employer-sponsored health plan. Direct primary care is an emerging payment and healthcare delivery model that provides patients access to a core set of primary and preventive care services under a fixed, monthly membership rate. Through this approach, a growing number of progressive employers, payers, and healthcare providers have succeeded in driving down costs while offering patients improved access to high-quality primary care.

Most recently, Accresa has teamed up with Baylor Scott & White Health to expand DPC benefit options and offerings for Dallas-based employers and employees. Baylor Scott & White intends to build out a new DPC program to meet growing employer demand with the support of Accresa, whose proprietary software delivers the administrative interface and payments mechanisms required to bridge the gap between employers and health systems. The Accresa technology was designed to help health systems, like Baylor Scott & White, more efficiently manage direct contracts for emerging benefit models like direct primary care, while also offering the flexibility to scale quickly into new markets and customize plan offerings in response to evolving employer needs.

According to William Short, Chief Executive Officer of Accresa and its parent company, Ameriflex, “We are incredibly optimistic at the results we’ve seen, already, as emerging models like direct primary care become more mainstream and accessible to employers. Our role, and what our technology was designed to do, is to help the model scale so that more Americans can benefit from the savings and improved outcomes it has shown to deliver.”

Baylor Scott & White’s DPC program is being rolled out across a select number of clinic locations this year, with further extension planned throughout 2020. Baylor Scott & White joins a growing number of health systems and healthcare providers that are currently leveraging Accresa’s technology to facilitate the adoption of direct primary care offerings for group health plans.

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ConnectYourCare Partners with TouchCare to Provide Concierge Services for Enhanced Participant Experience


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Our partnership with TouchCare will increase our ability to educate and support our account holders, so they can maximize the value of their tax-advantaged benefit accounts.

ConnectYourCare, a national leader in consumer-directed health care account solutions, today announced a strategic partnership with TouchCare, a unique health concierge service that helps consumers navigate today’s complex health care challenges.

The partnership provides ConnectYourCare clients the option to supplement their tax-advantaged benefits with dedicated TouchCare personal assistance, to drive participant awareness and adoption of the consumer-driven offerings. TouchCare’s concierge service—which helps address common scenarios such as bill review and negotiation, care coordination, and open enrollment support—extends to ConnectYourCare’s health savings account (HSA), flexible spending account (FSA), and health reimbursement arrangement (HRA) health care offerings, as well as the company’s commuter and COBRA administration solutions.

“Our partnership with TouchCare will increase our ability to educate and support our account holders, so they can maximize the value of their tax-advantaged benefit accounts,” said ConnectYourCare Chief Executive Officer, Steve Grieco. “Helping consumers on their path to a greater understanding of benefits is critical to the success of consumer-driven programs. What results is greater transparency, higher satisfaction, and significant financial savings for both participants and employers.”

“TouchCare is thrilled to be partnering with ConnectYourCare to deliver a better participant experience,” said Rob LaHayne, TouchCare Chief Executive Officer. “Particularly when it comes to high deductible health plans—so much of the cost savings is dependent upon plan members getting the most bang for their buck while navigating their treatment options. Through an improved and empowered consumer experience, ConnectYourCare and TouchCare reduce both participant and employer costs, and make high deductible plans more successful for everyone.”

“We strive to offer the best customer support in this industry, and our partnership with TouchCare allows us to take our service excellence to an entirely new level,” added Nicole Williams, ConnectYourCare’s Senior Vice President of Sales and Broker Relationships. “We are proud to bring this relationship to market, knowing the impact that personal health assistance can have on consumers when it comes to understanding health care options and removing fears or confusion around high deductible plans and costs.”

About ConnectYourCare

As a consumer-directed health care pioneer and nationally recognized industry leader, ConnectYourCare delivers a comprehensive solution supporting health care savings accounts and expanded tax-advantaged offerings. Through continuous evolution, highly rated service, and domain expertise across the benefits, banking, and payments spectrum, we are revolutionizing the connection between health and wealth. ConnectYourCare creates greater participant value through intuitive account management; greater employer value and savings through dynamic, outcome-based workflows and tools; and greater partnership value through deep engagements to meet goals—with proprietary, cloud-based technology and a modern, intelligent platform as its foundation.

Trusted by leading organizations, spanning all industries and sizes, we are making it easier for people to manage care, so they can enjoy life. For more information, visit ConnectYourCare.com or follow us on Twitter @ConnectYourCare.

About TouchCare

TouchCare is a health care concierge service. Their team of Health Assistants helps members save money while making the best decision possible regarding health care plans. Furthermore, TouchCare assists members with the navigation of their health care benefits package, including medical, dental, vision, and all ancillary benefits. TouchCare conducts webinars for clients every Wednesday throughout the year, primarily focusing on employee wellness in and out of the workplace. The company partners with the business’s existing HR department to provide open enrollment support and guidance. TouchCare offers 30-minute consultations with members, where they can provide insight on which individual health care plan would benefit them the most. For more information, visit TouchCare.com.

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Discover Some of The Most Important Advantages of Comparing Online Car Insurance Quotes


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“Comparing online car insurance quotes is not only fast and reliable, but it will also help you avoid dealing with pushy insurance agents that only want to sell you the insurance products that can bring them the largest commissions”, said Russell Rabichev, Marketing Director of IMC

Carinsuranceshoppingsource.com has launched a new blog post that presents several advantages of comparing online car insurance quotes.

For more info and free car insurance quotes, visit https://carinsuranceshoppingsource.com/a-short-list-with-advantages-of-comparing-online-quotes/

Comparing online quotes can help drivers decide what insurance policy is the best for them. The main reason for obtaining quotes is to estimate the cost of an insurance policy. Accurate quotes will help policyholders manage their budget and scan the market for insurance coverage they can afford.

Comparing online quotes will help drivers gain the following advantages:


  • It’s fast and reliable. Using a brokerage website is very useful for those persons who are interested in car insurance quotes, but who do not want to waste time and money while shopping around in a traditional manner. Before the internet, drivers had to go from one insurance agent to another to obtain quotes. Also, getting quotes from insurance agents is not free. Phone calling insurance companies’ representatives is also time-consuming and quotes can be inaccurate if the insurer representative mishears the policyholder.
  • Easy to customize quotes. Drivers can simulate many different insurance plans by tweaking the information inserted in the online questionnaire. They can change what coverages they want, coverage limits, deductibles, and extra options. By doing so, drivers can tailor a policy that is suitable for their needs.
  • No more stress. Getting online car insurance quotes has lots of benefits for policyholders. Not having to deal with a car insurance agent is one of the biggest benefits. Car insurance agents are working for car insurance providers, and they will try to convince the drivers to buy insurance from them. In many cases, car insurance agents can be pushy and will pressure the drivers to buy insurance products that they don’t actually need. Car insurance brokers who claim that they are independent can also be biased towards an insurance company. Comparing online quotes will help drivers avoid pressure in order to make a responsible decision.

For additional info, money-saving tips and free car insurance quotes, visit https://carinsuranceshoppingsource.com/

Carinsuranceshoppingsource.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.

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Drivers Can Pay Cheaper Car Insurance Rates If They Drop Full Coverage


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“Dropping full coverage can help drivers save money on car insurance. However, drivers should consider the advantages and disadvantages of dropping full coverage, before making this decision”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Cheapquotesautoinsurance.com has launched a new blog post that explains how dropping full coverage in various scenarios can help drivers save money on car insurance.

For more info and free car insurance quotes, visit https://cheapquotesautoinsurance.com/how-to-lower-car-insurance-rates-by-dropping-full-coverage/

In almost all states, except New Hampshire, drivers are required to carry car insurance. Besides the minimum car insurance that is required by the state law, drivers can acquire additional coverages, like full coverage. In some cases, drivers who are having full coverage can be overpaying for something that is really not worth it.

Drivers who have full coverage are advised to drop it in the following situations:


  • The vehicle is too old. The value of a vehicle will decrease as soon as it’s leaving the showroom. Unless the car is a collectible, it’s value will continue to decrease with each year that passes. Keeping full coverage for a vehicle that is 10 years old or older is not worth it.
  • High-mileage. Drivers who use their cars very often, should not be surprised if their vehicles are not as valuable as they think. Relatively new vehicles that are 4, or 5 years cold can drastically lose their value if they were driven for 200,000 miles or even more. In this case, full coverage is not worth it.
  • The car is in a really bad condition. Even if a vehicle has sentimental value, this should not be a reason to keep full coverage on a car that is covered in rust.
  • The loan has been paid. Banks and other financial institutions that are financing a vehicle will impose the owner to carry full coverage. Once the driver fully owns the vehicle, then he can choose to drop full coverage.
  • The driver can’t afford to pay anymore. Policyholders who entered into financial troubles can save some by dropping full coverage and using them in another place.
  • The vehicle is being kept in a garage. A garage can protect a vehicle from weather damage, theft, vandalism, and fire. Drivers who decide to drop full coverage should ensure that they are driving carefully and they are not causing accidents. If they do cause an accident, then they will have to cover the cost to repair the vehicle from their own pockets.

For additional info, money-saving tips and free car insurance quotes, visit https://cheapquotesautoinsurance.com/

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.

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Top Efficient Methods Used by Drivers to Pay Cheaper Car Insurance Premiums


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“With a little bit of effort, you can save money on car insurance. Installing safety devices and maintaining a clean driving record will help you lower the insurance premiums,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Carinsuranceshoppingsource.com has launched a new blog post that presents several efficient tips that will help drivers pay lower car insurance rates.

For more info and free car insurance quotes, visit https://carinsuranceshoppingsource.com/top-tips-on-how-to-save-on-car-insurance/

Car insurance policies can cost as much as several thousands of dollars per year. It might not look much, but for many families, car insurance can be a burden. Some are even considering dropping coverage.

Drivers who consider dropping coverage should follow the next tips on how to save on car insurance:


  • Graduate a defensive driving course. Very young drivers are charged extra on their insurance policies. Insurance providers consider than teens are high-risk drivers because they lack driving experience. Also, statistics show that teen drivers are more likely to be involved in car accidents. Teen drivers can lower their insurance rates by enrolling and graduating a defensive driving course.
  • Clean driving record. Drivers who manage to avoid parking tickets, speeding tickets, at-fault accident convictions, DUI incident convictions, and other traffic violation penalties for a period that is between three to five years can get a safe driving discount. However, drivers who got some tickets present in their driving records should talk with a lawyer and check if they can be expunged.
  • Install safety devices. Many modern vehicles come equipped with the latest safety devices. Drivers who do not own a modern vehicle can improve the safety of their vehicles by installing aftermarket safety devices. Rear cameras, safer seatbelts, tracking devices, and other devices will help policyholders save money on car insurance. However, policyholders should ask their insurers what safety devices are approved and how much money they can save after installing them.
  • Get a low-mileage discount. Drivers who are using their vehicles to commute to work on short distances can qualify for a low-mileage discount.
  • Obtain a loyalty discount. Policyholders who are loyal to the same insurance provider for a number of years can get a loyalty discount upon renewing the insurance contract.
  • Bundle policies with the same insurer. Policyholders who insure two or more vehicles to the same provider can gain a multi-car policy discount. Also, policyholders can insure their cars policies with different insurance products like homeowner’s insurance, life insurance, health insurance, or even boat insurance. In this case, drivers who insure two or more different insurance products will get a multi-policy discount.

For additional info, money-saving tips and free car insurance quotes, visit https://carinsuranceshoppingsource.com/

Carinsuranceshoppingsource.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.

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Important Tips That Can Help Any High-Risk Driver Save Money on Car Insurance


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“Obtaining cheaper insurance premiums for high-risk drivers is not impossible. Insuring a cheap car and improving the credit score can help high-risk drivers obtain affordable rates”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Cheapquotesautoinsurance.com has launched a new blog post that explains how high-risk drivers can obtain lower car insurance premiums.

For more info and free quotes, visit https://cheapquotesautoinsurance.com/tips-that-can-help-high-risk-drivers-get-affordable-car-insurance/

Obtaining a cheap car insurance policy is quite difficult for drivers that are classified as high-risk. There are many reasons why insurance companies classify some drivers as high-risk. No matter the reason why they are classified as such, they all have something in common, and that is the extremely expensive premiums.

High-risk drivers who want to pay less on their policies can follow the next tips:


  • Go to specialized non-standard insurers. Many insurance providers have subsidiaries or are working with smaller insurers that are specialized in insuring high-risk drivers. Big Insurance carriers can provide insurance for high-risk drivers, but usually, their offers are extremely expensive. For this reason, most high-risk drivers prefer to get insurance from a specialized carrier that offers better deals.
  • Insure a cheap car. A slightly used vehicle that has a high safety rating would be the ideal choice for a high-risk driver that wants to save money on car insurance. There’s no need to insure a brand-new vehicle when even cars that are 4, or 5 years old come equipped with many safety features that can guarantee the owner to get a discount.
  • Look for available discounts. High-risk drivers can obtain the same discounts as standard drivers. High-risk drivers will lower their insurance rates if they are eligible for discounts such as getting married, graduating a defense course, or moving to a better neighborhood discount.
  • Compare car insurance quotes. High-risk drivers can still find offers from multiple car insurance companies. Before signing to a specialized insurance carrier, drivers should compare several online car insurance quotes and check if they can find a better deal
  • Consider dropping coverage. Drivers who own an old or cheap vehicle should check if keeping full coverage still makes sense. If a vehicle value is less than ten full coverage payments, then high-risk drivers should consider dropping full coverage.
  • Improve the credit score. High-risk drivers who have a bad credit score are paying some of the highest insurance premiums in the country. To improve their credit score, high-risk drivers can pay their bills on time and they can stop gathering an additional debt.

For additional info, money-saving tips and free car insurance quotes, visit https://cheapquotesautoinsurance.com/

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.

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