“Senior citizens can still get advantageous deals. Compare prices online and track the best offers”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
September 23, 2020

Compare-autoinsurance.org has launched a new blog post that presents professional tips that can be used by drivers who seek cheap car insurance for seniors.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/top-tips-for-the-elderly-to-get-better-car-insurance/

After the age of 70, drivers begin to be considered high-risk. The statistical data presented by the Insurance Institute for Highway Safety (IIHS) shows an increase of accident frequency for elderly drivers. As a result, insurers place seniors in the high-risk category. Drivers who seek better coverage should follow the next tips:

• 
  Apply for a low-mileage discount. Retired people who do not have to commute to work drive less than the average driver. They should apply for low mileage discounts that will drastically reduce the costs. In these driving courses, senior citizens will find out how aging and medication affect their ability to drive and how to deal with certain age-related conditions.
• Graduate refresher/defensive driving courses. They will give the driver the chance to recap the theoretical knowledge and practice his driving skills. Classes are cheap and will provide valuable discounts after graduation.
• Install anti-theft devices. On the market, there are multiple types of devices that will make your vehicle safer against the thieves. Electronic alarms, ignition kill switches, GPS tracking systems, steering wheel locks, electronic immobilizers, and many other safety devices will help drivers acquire a discount.
• Use a cheaper car. A new model can be quite expensive to insure. Instead, drivers should choose a 4-5 years old model which also has some safety devices installed. These devices may even qualify the driver for a discount.
• Pay-in-full. It might be difficult for an elderly person to pay a large amount of cash, but paying the car insurance policy at once has its benefits. The policyholder can get a 5 percent to 10 percent discount that occurs from eliminating monthly interest charges and administration fees.
• Join a UBI program. Allow the insurer to install a small telematics device inside the vehicle. This device will record mileage, sudden changes in speed, hard braking, cornering, and the time of day when the vehicle is driven. The insurer will customize the price based on this data.
• Shop online quotes. The best places to shop for online auto insurance quotes are brokerage websites. In order to get accurate estimates, senior citizens should be careful when they complete the questionnaires and make sure they provide accurate data. It is recommended to complete at least three car quotes in order to make an idea of how their policy would look like.

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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“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.

LOS ANGELES (PRWEB)
September 22, 2020

Compare-autoinsurance.org has released a new blog post that explains how drivers can get accurate car insurance quotes online.

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

Using the internet to get price estimates is really easy and reliable. After adding all the required details and coverage selections, the user will get matched with several companies. Using this type of service, a user can quickly narrow down his search to companies that match his requirements. In order to get accurate quotes, a driver should:

• 
  First determine his coverage needs. 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 insurance budget. 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.
• Keep relevant documents nearby. Having the right documents near will help the driver provide correct info about the car’s model and sub-model, existing safety devices and driving history. Keep in mind that online questionnaires may also ask about things like the exact sub-model, including the number of cylinders. Providing exact info about the car is a must. Companies can void coverage if the driver sends the wrong data. Plus, keep in mind that companies use this data to calculate the Actual Cash Value, which is used to reimburse the drivers. Sending wrong data can result in a lower ACV.
• Provide realistic annual mileage data. 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.
• Use lengthy questionnaires. 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 https://compare-autoinsurance.org.

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“Having car insurance lapses will complicate a future underwriting process and make premiums more expensive. Always pay the premiums on time and if they seem too expensive, use online quotes and find cheaper offers”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
September 21, 2020

Compare-autoinsurance.org has released a new blog post that explains why drivers should avoid car insurance lapses.

For more info and free car insurance quotes online, visit http://compare-autoinsurance.org/why-you-should-avoid-car-insurance-gaps/

Drivers are required to carry insurance permanently. A period of time when the driver does not have coverage is called a gap or a lapse. Having a history of coverage lapses will make the next underwriting process more difficult and premiums costlier. Find out more and get free car insurance quotes from http://compare-autoinsurance.org.

• 
  Causing an accident while uninsured will have multiple legal consequences. Being uninsured while driving and causing an accident is a severely punished felony. Without coverage, the at fault driver will have financially compensate the victims from his own finances. The repair cost and the medical bills can reach several tens of thousands of dollars.
• Avoid fines and legal penalties. Drivers caught driving during a gap period will receive substantial fines. Furthermore, they will receive license points. All of these combined will make future premiums extremely expensive. The driver will have both a history of lapses and traffic violations.
• Avoid being placed in the “high-risk” category. Companies ask about past coverage when assessing a person’s insurability profile. Persons with recent coverage lapses are automatically considered high-risk and asked to pay more. Keep in mind that insurance companies may ask the previous insurer about a former client’s payment history. Furthermore, a company may decide to cancel the policy after several missed payments.

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

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

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HRMP is proud to support the Self-Insurance Institute of America at its upcoming conference.

DANVERS, Mass. (PRWEB)
September 21, 2020

HRMP, a leading provider of administrative service support and reinsurance to group insurance carriers, is proud to announce that it will be an exhibitor at the Self-Insurance Institute of America’s 40th Annual National Conference and Expo to be held as a virtual event October 12-15, 2020.

Founded in 1990, HRMP offers third-party administrative and reinsurance support to underwriters, insurance carriers, and reinsurers in partnership with A.M. Best “A” rated carriers and reinsurers.

The Self-Insurance Institute of America, Inc. (SIIA), works to protect and promote the business interests of companies involved in the self-insurance and alternative risk transfer industry. SIIA members include self-insured entities, third-party administrators, captive managers, excess/stop-loss/reinsurance insurers, and other service providers. The organization provides its members with informational and educational resources as well as networking opportunities and legislative/regulatory representation.

HRMP President Jim Mange commented, “HRMP is proud to support the Self-Insurance Institute of America at its upcoming conference. We have been an exhibitor at SIIA events for many years, and we are excited to participate as the association launches its first virtual national conference. HRMP sincerely appreciates the important benefits SIIA provides for its members.”

About HRMP, LLC

Founded in 1990, HRMP, LLC, is a distinctive third-party administrator positioned to offer creative solutions to underwriters, insurance carriers, and reinsurers. Our unique solutions include back office or run-out administration, auditing services, life conversions, and more. HRMP, LLC, is a member of the Aran Insurance Services Group. For more information, visit https://www.hrmp.com/.

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“New cars are valuable, thus resulting in more expensive insurance”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
September 20, 2020

When insuring a new car, owners have the unpleasant surprise of finding that the costs are really high. This is why drivers should consider getting quotes before buying a car. The main arguments used by insurance companies are the following:

• 
  New models are really expensive to repair or replace. Hi-tech safety and tracking devices are usually installed in new models. All of these safety devices are expensive to repair if they’re damaged. New advanced technology like ventilated and massaging seats, head-up displays, heated steering wheel, also increase the price of policies. Lastly, the new alloys from which body parts are manufactured are more expensive. New aluminum alloys, carbon fiber reinforced polymer, or even new steel types are costly to produce and to repair.
• Thieves prefer to target new models. Insurance companies will increase the insurance rates for a new car mode if there are too many claims for stolen vehicles for that model. Regularly, thieves will choose to steal new car models instead of old ones, because they are more expensive.
• Some models don’t have stellar results on test-dummy crashes simulations. The Insurance Institute for Highway Safety (IIHS) shows that some vehicles are riskier than others because of the way they are built. Their data shows that many new vehicles have less capacity to withstand low-impact collisions. Because of that, they can cost more to repair.
• Adding full or extra coverage. Owners of new cars are recommended to add collision and comprehensive insurance, to be sure you are fully covered. One optional policy that brand new car owners can get is the new car replacement coverage. Overall, extra coverage means more expensive premiums.

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 https://compare-autoinsurance.org

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“In some cases, it makes sense to drop full coverage”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Los Angeles, CA (PRWEB)
September 19, 2020

Cheapquotesautoinsurance.com has released a new blog post that explains when drivers should drop full coverage, thus saving important sums of money on car insurance.

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

Keeping full coverage is the right thing to do, but only if the car is valuable or the policyholder is still making payments. Drivers should drop full coverage in the following circumstances:

• 
      The car is too old. Unless the vehicle is a collectible or a classic, its value has significantly decreased after several years since it was purchased. Maintenance and low mileage are irrelevant for old cars.
•     The car has high mileage. If the odometer shows that the car was driven for 150,000 miles or even 200,000 miles, its value will be severely reduced. Even for a 4-5-year-old automobile.
•     The car is damaged This one is obvious. Keeping full coverage on a dust-bucket is one sure way to end up overpaying.
•     After fully owning the car. When the car is financed by a bank or other financial institution, they will impose the owner to have full coverage. Once the loan is paid, he can choose to keep or drop the full coverage.
•     The car is kept in a garage. This will provide protection against weather damage, theft, vandalism, and fire. After dropping full coverage, the owner will have to be careful how he drives and not cause accidents. Otherwise, he will support the full costs of repairing his vehicle.

For more car insurance info, money-saving tips and free online quotes, please 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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NAIFA’s 130th Membership Celebration to be held on November 17, 2020

FALLS CHURCH, Va. (PRWEB)
September 18, 2020

The National Association of Insurance and Financial Advisors (NAIFA) will hold a new hybrid event called the “Belong Event” on November 17, 2020. The new event has a three-pronged purpose:

• To serve as the association’s annual business meeting, during which the new Board of Trustees will be sworn into office
• To serve as the platform to celebrate the more than 1,700 volunteer leaders and staff that power NAIFA’s 50 state and 35 local chapters
• To conclude the year-long celebration of NAIFA’s 130th anniversary.

Cammie Scott, NAIFA National President, will oversee the business meeting as she formally calls the association’s annual meeting to order. The meeting will include the election of five National Trustees, election of the national secretary and re-election of NAIFA’s national officers as follows.

National Trustees to elect:

• Wes Booker, LUTCF, Owner of the Wes Booker Agency in Maumelle, AR, (NAIFA member since 2004)
• Aprilyn Chavez Geissler, LACP, First Executive Vice President with Gateway Financial Advisors in Albuquerque, NM, (NAIFA member since 2005)
• Dennis Cuccinelli, LACP, Financial Representative, Certified Financial Services in Paramus, NJ, (NAIFA member since 1986)
• Doug Massey, CLU, ChFC, FSS, Owner of Doug Massey Financial Services in San Angelo, TX, (NAIFA member since 1987)
• Brian Wilson, Sales Director with Mutual of Omaha Advisors in Lexington, KY, (NAIFA member since 2000)

National Officers to elect:

• Larry Holzberg, Director of Insurance and Advance Sales at Fortis Lux Financial in New York, (NAIFA member since 1990), will stand for election as President-Elect
• Brock Jolly, CFP, CLU, ChFC, CLTC, CASL, CFBS, Founding Partner of Veritas Financial LLC/MassMutual Financial Group in McLean, VA, (NAIFA member since 2001), will stand for re-election as Treasurer
• Bryon Holz, CLU, ChFC, LUTCF, CASL, LACP, Founder of Bryon Holz & Associates in Brandon, FL, (NAIFA member since 1987), will stand for election as Secretary

Tom Michel, LACP, Managing Director of Michel Financial Group in Los Angeles (NAIFA member since 1986), will serve as the 2021 NAIFA President. Cammie Scott, MSIE, ChHC, CLTC, LUCF, REBC, RHU, SHRM-SCP, President of CK Harp & Associates in Springdale, AR, (NAIFA member since 1998), will serve as Immediate Past President.

The elections will be followed by a recommitment of Trustees who have served one year of their two-year terms. They are:

• Mark Acre, LUTCF, President of OneSource Insurance Group in Nixa, MO, (NAIFA member since 2009)
• Connie Golleher, CLTC, LACP, CEO of The Golleher Group in McLean, VA, (NAIFA member since 2000)
• Win Havir, CPCU, CLF, LUTCF, FSS, AIC, LACP, Executive Vice President – Business Development with Educators Insurance Resources Services, Inc. and The Horace Mann Companies in St. Paul, MN (NAIFA member since 1997)
• Steve Saladino, LACP, LUTCF, Managing Director with Principal Financial Group in Tampa, FL, (NAIFA member since 1991)
• John Wheeler, CFP, CLU, ChFC, CRPC, LACP, CLTC, Executive Senior Partner with MassMutual Texas Gulf Coast in Houston, TX, (NAIFA member since 1973)

The annual meeting component of Belong will include Cammie Scott’s farewell address as she moves to the role of Past President and a welcome address by incoming National President Tom Michel. All volunteer leaders will also participate in a recommitment ceremony to honor belonging to the premier association for American advisors.

The annual meeting will be followed by a celebratory virtual black-tie gala. The celebration will be open to all NAIFA members via Zoom, and chapters located in states that allow for in-person gatherings may gather together to hold in-person watch parties to celebrate.

During the celebratory component, Belong will feature the unveiling of three national achievement awards: The John Newton Russell Memorial Award, the NAIFA Young Advisor Team (YAT) Leader of the Year Award and the NAIFA Diversity Champion Award.

The YAT and Diversity awards are peer-reviewed honors given to NAIFA members who have demonstrated outstanding service to the association. The John Newton Russell Memorial Award is the highest honor that can be bestowed upon an individual in the life insurance industry. The award recognizes a lifetime of professional excellence, service to the industry and a commitment to ethical conduct.

To learn more, visit the event site.

ABOUT NAIFA: Founded in 1890, NAIFA is the oldest, largest and most prestigious association representing the interests of financial services professionals from every Congressional district in the United States. Our mission – to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of its members – is the reason NAIFA has consistently and resoundingly stood up for financial services professionals and called upon members to grow their knowledge while following the highest ethical standards in the industry.

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“Insurance companies analyze multiple factors when they calculate rates. It’s all about risk and insurance companies what to know if they will provide coverage to a safe driver or not”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
September 18, 2020

Auto insurance is a risk-based business. Providing insurance to people more likely to make a claim is a sure way to financial bankruptcy. This is why insurance companies rely heavily on statistics, carefully analyze a series of factors, and rate persons using insurability scores. Find out the top influential factors and get free car insurance quotes online from https://compare-autoinsurance.org.

• ZIP code. Besides the state’s laws and the geo-economic profile of a region, the risk profile is determined on the neighborhood level. When we talk about larger cities or metropolitan areas, certain neighborhoods are more dangerous than others. High criminality and ongoing gang wars, riots and vandalism will surely affect the rates. Furthermore, the cost of repairing a car in a certain area or road conditions and population density will also count in.
• Driving record. Is a top influential factor and companies will thoroughly analyze it before issuing any policy. The insurance companies will analyze both the number of accidents involving a person and his number of claims in recent years.
• Vehicle details. The model of the car is another crucial factor and drivers must provide correct data and show papers when asked. Insurance companies will analyze statistics to check the accident frequency for that particular model, car theft frequency, and if there are any known problems with it. Medium-sized family cars are cheaper to insure and are considered safer. Sports cars or customized cars are pricier to insure. The safety rating is also an important factor.
• Coverage lapses. Having insurance gaps is heavily penalized by all insurers. A new client that has coverage gaps is not considered trustworthy and will be charged more. Before changing to a new company, make sure to synchronize the start of the new policy with the end of the current one.
• Credit score. Persons with a poor credit score are seen as unreliable and are expected not to manage premium payments well. This is the main reason why persons with poor FICO score are considered high-risk.

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 https://compare-autoinsurance.org

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