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Progressive: Ranked One Of The Best Insurance Companies, general car insurance.#General #car #insurance

Get insurance for almost anything you need

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We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

*National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

Discount varies and is not available in all states or situations

Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

$1 per day rate is based on filed nation-wide average rates for a 2-year old mixed breed dog with a BestBenefit $5000 annual limit plan, $100 deductible and 90% reimbursement. Rates are subject to change upon regulatory approval and will vary based on location, breed, age, and selected coverage options, deductible and reimbursement level. Actual rates may be higher or lower.

A leader in boat insurance from 2016 Millward-Brown national survey data.

No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

Learn more about comparison rates, which are available from Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product and Progressive Direct’s credit evaluation, and do not include prices and products available from Progressive agents. Consumers can select a different credit evaluation when they obtain competitor rates through our comparison rate service.

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Office of the Attorney General: Buying used #rental #cars #cheap

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FTC used car rule

If you are buying a used car, the Federal Trade Commission’s used car rule may help you. The rule requires all used car dealers to place a large sticker – Buyers Guide, in a conspicuous place in each used vehicle they offer for sale. The Buyers Guide will state:

  • whether the vehicle comes with a warranty and, if so, what specific warranty protection the dealer will provide;
  • whether the vehicle comes with no warranty ( as is );
  • that you should ask to have the car inspected by your own mechanic before you buy;
  • that you should get all promises in writing; and
  • what some of the major problems are that may occur in any car.

Whenever you purchase a used car from a dealer, you should receive the original or an identical copy of the Buyers Guide that appeared in the vehicle you bought. The Guide must reflect any changes in warranty coverage that you may have negotiated with the dealer. It also becomes a part of your sales contract and overrides any contrary provisions that my be in that contract.

Dealers are required to post the Buyers Guide on all used vehicles, including used automobiles, light-duty vans, and light-duty trucks. A used vehicle is one that has been driven more than the distance necessary to deliver a new car to the dealership or to test drive it. Therefore, demonstrator cars are covered by the rule. Motorcycles are excluded.

Warranty information in the buyers guide

A major portion of the Buyers Guide gives you new and important information you can use when you select a used car. In the past, lack of information and misunderstanding about warranties frequently were a source of consumer problems. The following sections explain the warranty portion of the Buyers Guide:

As is

If a car is sold as is, this means that if you have problems with the car after you buy it, you must pay for any needed repairs yourself. The dealer has no further responsibility for the car once the sale is complete and you drive off the lot.

If the dealer offers a vehicle for sale as is, without any warranties, the box provided next to the As Is disclosure will be checked.


If a dealer offers a warranty on a used vehicle, he or she must fill in the warranty portion of the Buyers Guide. Examine the warranty carefully before you buy to see what is covered and what is not. The warranty that the dealer offers may give you some idea of what the dealer thinks about the condition of the vehicle.

If the dealer makes any promises to repair the vehicle that are not listed on the Buyers Guide, ask that those promises be added to the contract. The sales contract also must include other specific information about your warranty.

Look for the following information on the Buyers Guide:

See if the warranty offered is full or limited. A full warranty provides the following terms and conditions:

  1. Warranty service will be provided to anyone who owns the vehicle during the warranty period when a problem is reported.
  2. Warranty service will be provided free of charge, including such costs as returning the vehicle or removing and reinstalling a system covered by the warranty, when necessary.
  3. At your choice, the dealer will provide either a replacement or a full refund if the dealer is unable, after a reasonable number of tries, to repair the vehicle or a system covered by the warranty.
  4. Warranty service is provided without requiring that you return a warranty registration card.

If any one of the above statements is not true, then the warranty is limited. A full or limited warranty need not cover the entire vehicle. The dealer may specify only certain systems for coverage under a warranty. By giving a limited warranty, the dealer is telling you that there are some costs or responsibilities that the dealer will not assume for systems covered by the warranty.

  • Check the percentage of the repair cost that the dealer will pay. For example, the dealer will pay 100% of the labor and 100% of the parts.
  • Check which specific systems are covered. The exact systems covered (such as frame and body, brake system, etc.) must be listed. A list of descriptive names of the major systems of an automobile is printed on the back of the Buyers Guide.
  • Check the duration of the warranty for each covered system. For example, 30 days or 1000 miles, whichever occurs first.
  • Unexpired manufacturers’ warranties

    If the used vehicle is still covered under the terms of the manufacturer’s original warranty, the dealer may add the following paragraph in the space below the warranty disclosure.

    MANUFACTURER’S WARRANTY STILL APPLIES. The manufacturer’s original warranty has not expired on the vehicle. Consult the manufacturer’s warranty booklet for details as to warranty coverage, service location, etc.

    This does not necessarily mean that dealers also offer their own warranty in addition to the manufacturer’s. If you have any questions about warranty coverage, ask the dealer to let you examine any unexpired warranty on the vehicle.

    Other parts of the buyers guide

    There are other important sections of the Buyers Guide. These sections are explained below.

    Spoken promises

    A statement appears on the Buyers Guide that warns consumers not to rely on spoken promises. Oral promises are difficult, if not impossible, to enforce. Have the dealership put any promises in writing, or do not count on the promise.

    This statement also reminds you to keep the Buyers Guide after purchasing the vehicle. The Buyers Guide will serve as proof of written promises.

    Service contracts

    When you buy a car, you may be offered a service contract. Although often called extended warranties, service contracts are not warranties. Warranties are included in the price of the product. Service contracts come separately from the vehicle, at an extra cost. To decide whether you need a service contract, you should consider several factors: whether the warranty already covers the repairs that you would get under the service contract; whether the vehicle is likely to need repairs and their potential costs; how long the service contract is in effect; and the reputation of the dealer offering the service contract.

    Pre-purchase independent inspection

    The Buyers Guide also includes a suggestion that you ask the dealer whether you may have the vehicle inspected by your own mechanic either on or off the premises. An independent inspection lets you find out about the mechanical condition of the vehicle before you buy it.

    Some dealers will permit you to take the car to an independent mechanic. Others may have good reasons for denying this request.

    With the dealer’s permission, you can bring an independent mechanic to the used car lot. If you do not already have a mechanic you rely on, ask someone who knows about cars for the names of competent, reputable mechanics. You also can find mechanics through advertisements, car repair establishments, automobile associations, and auto diagnostic centers in your community.

    Vehicle systems

    The Buyers Guide includes a list of the 14 major systems of an automobile and some of the major problems that may occur in these systems. You may find this list helpful to evaluate the mechanical condition of the vehicle. The list also may be useful when comparing warranties offered on different cars or by different dealers.

    Dealer identification and consumer complaint information

    On the back of the Buyers Guide, you will find the name and address of the dealership. In the space below that, you will find the name and telephone number of the person at the dealership who should be contacted if any complaints arise after the sale.

    Private sales

    If you buy a used car from a private individual, the sale is not covered by the rule. Private sellers do not have to use the Buyers Guide. In most private sales, the car is sold as is. Without a written contract with specific repair provisions, the private seller has no further responsibility for the car. Of course, if you have a written contract, the seller must live up to the promises stated in the contract. Depending on its age, the car may be covered by a manufacturer’s warranty or service contract. Ask the seller to let you examine any unexpired warranty or service contract on the vehicle.

    Even without the Buyers Guide, when you buy a used vehicle from a private party, you can follow the suggestion outlined above. For example, refer to the list of potential problems displayed on the Buyers Guide. In addition, ask the seller whether you may have the vehicle inspected by your own mechanic.

    Kentucky previous consumer owner information

    Under Kentucky law, an automobile dealer is required to place a sticker on the windshield of every used car notifying you of certain rights. Under the law, you have the right to get the name and address of the previous consumer owner from the dealer if that information is reasonably available. This information allows you to contact the last consumer owner for service records or repair history. If the dealer tells you the information is not available, you should take this into consideration in deciding whether to purchase the car.

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    Shopping for insurance can be confusing. Here you can find the coverage you need at the lowest possible cost. We always aim to provide the best insurance policy for your needs. Our goal is to provide the best solutions to our clients. You can be sure that we will be here after the sale for any questions, advice, claims, changes and any other insurance need you may have. Get expert guidance right away!

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    Opera 3 Payroll & HR

    • Multi-user, with Company and Group password control and menu level access restriction
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    Permanent Life Insurance at Work, MetLife, permanent general auto insurance.#Permanent #general #auto #insurance


    Permanent Life Insurance

    Available through the workplace, this coverage offers lifetime protection, a tax-free death benefit, and the ability to build cash value.1 And since it’s portable, you can take coverage with you when you retire or leave the company.

    Group Variable Universal Life (GVUL)

    For complete plan details, talk to your company’s benefits administrator.

    Group Universal Life (GUL)

    For complete details, talk to your company’s benefits administrator.

    Whole Life Insurance

    For complete plan details, talk to your company’s benefits administrator.

    A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child’s college education may become much more difficult.

    Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

    In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:

    • Replacing lost income
    • Covering basic living expenses
    • Paying household debts, estate taxes and funeral expenses
    • Funding a child’s education
    • Supplementing retirement savings

    Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

    Term life insurance pays a specific lump sum to your loved ones, providing coverage for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

    Generally, you should consider a term life insurance policy to:

    • Get valuable coverage at an affordable price
    • Help cover specific financial responsibilities like a mortgage or college expenses
    • Supplement a permanent policy

    Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means the value of the policy may grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of policy is typically portable so coverage can continue if employment terminates.

    Consider a permanent insurance policy if you want:

    • Protection for life
    • Payments that stay the same each year
    • To put additional money into the policy on a tax-favored basis
    • Cash value you can use while you are living

    Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

    • Competitive group rates
    • Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam
    • Convenient payroll deductions
    • Easy access to enrollment and educational tools that can help you make decisions about the type and amount of insurance that’s right for you
    • The confidence of knowing that your employer has reviewed and selected the plan

    All you have to do is sign up, and sometimes enrollment is automatic.

    Permanent life insurance is protection for your entire life, as long as sufficient premiums are paid. Properly structured and maintained permanent life insurance can build cash value which you can use as you see fit. 4

    While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate. Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

    To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

    • Salary
    • Benefits/health insurance
    • 401(k) and retirement savings
    • Personal services you perform for your family, such as child care, cooking, home maintenance, etc.

    Then, subtract your personal expenses including:

    • Annual spending on personal needs, such as food, clothing, entertainment, etc.

    Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly affordable price. 4

    Premiums are typically based on factors such as:

    • Age, sex, height and weight
    • Health status, including whether or not you smoke
    • Participation in high-risk occupations

    Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.

    Learn how life insurance protects those you care about in the event of your passing.

    Learn about the two main types of life insurance and the advantages of each.

    How much do you need? How much will it cost? Find out here.

    Learn about the benefits of MetLife Life Insurance for your employees.

    Group Variable Universal Life insurance (GVUL) is issued by Metropolitan Life Insurance Company (MLIC), New York, NY 10166, and distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIC and MLIDC are MetLife companies.

    Prospectuses for Group Variable Universal Life insurance and its underlying portfolios can be obtained by calling (800) 756-0124. You should carefully read and consider the information in the prospectuses regarding the contract’s features, risks, charges and expenses, as well as the investment objectives, risks, policies and other information regarding the underlying portfolios prior to making any purchase or investment decisions. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company.

    Group Variable Universal Life insurance has limitations. There is no guarantee that any of the variable options in this product will meet its stated goals or objectives. Cash value allocated to the variable investment options is subject to market fluctuations so that, when withdrawn or surrendered, it may be worth more or less than the amount of premiums paid.

    Like most insurance policies, MetLife’s GVUL and GUL policys contains exclusions, limitations and terms for keeping it in force. MetLife can provide you with costs and complete details.

    Group Universal Life (GUL) is issued by Metropolitan Life Insurance Company, New York, NY 10166.

    Texas Life Whole Life Insurance is available through your MetLife representative and is underwritten by Texas Life Insurance Company, 900 Washington, Waco, Texas. Texas Life is not affiliated with Metropolitan Life Insurance Company or its affiliates. Like most life insurance policies, Texas Life policies contain certain exclusions, limitations, exceptions, reductions of benefits, waiting periods and terms for keeping them in force. Texas Life complies with all state laws regarding marriages, domestic and civil union partnerships, and legally recognized familial relationships. Please contact MetLife for more information. 1 Guarantees are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company.

    2 In general, participants may withdraw cash value equal to premiums paid without tax consequences although less favorable rules may apply in the first 15 years. However, if the funding of the certificate exceeds certain limits, it will become a “modified endowment contract” (MEC) and become subject to “earnings first” taxation on withdrawals and loans. An additional 10% penalty for withdrawals and loans taken before age 59½ will also generally apply. We will notify you if a contribution would cause your certificate to become a MEC. Withdrawals and loans reduce the death benefit and cash value, thereby diminishing the ability of the cash value to serve as a source of funding for cost of insurance charges, which increase as you age. Withdrawals are subject to an administrative fee of 2% of the amount withdrawn, not to exceed $25.

    3 Applies to SOLUTIONS Series 121 plan only.

    4 Cash values can be accessed through loans and/or withdrawals, but these will reduce the death benefit and may have tax consequences. In addition, withdrawals from some policies may be subject to surrender charges and could have a permanent effect on the cash value and the death benefit.

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    Insurance for general contractors

    We are a local agency and we serve the insurance and risk management needs of individuals and businesses in Northeast New Jersey and surrounding areas. We ve delivered comprehensive, customized solutions and personalized services for more than 40 years and as a result we re a mainstay in our service communities. Our agents have more than a century of combined experience and each of our agents are proud to contribute to the areas he or she serves as an insurer and as an active, good citizen.

    We focus on insuring contractors, transportation operations, wholesalers, and manufacturers, but we re generalists so we write all forms of insurance and can secure anyone or any enterprise. We work with a host of different carriers, including Nationwide, The Hartford, and Liberty Mutual, each of which makes our coverage collection more diverse and expansive. From home and auto insurance to business and consulting, we have programs that meet any client s needs. Our carriers and our experience and knowledge make these programs the best available.

    We assist our clients best by being reachable whenever we re needed and by managing risk and claims. We also serve them by staying current on trends in the insurance industry, by serving on Producer Advisory Councils for Utica National Insurance, Nationwide, and Merchants Insurance Group and other major companies. These roles keep us connected and informed. We also serve our clients by making the places in which they live and work better. We partner with and sponsor the American Red Cross, the American Cancer Society, and local little league teams.

    If you would like to know more or to speak with an agent, please contact us or give us a call. You can also request a quote to get started on a policy.

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    Truck Liability Primary Liability Insurance coverage protects the Trucking Company from damage or injuries to other parties as a result of a truck accident. Truck Liability Insurance coverage is designed to protect the public and in order to be compliant with State and The Federal Motor Carrier Safety Administration, proof of this coverage in forms of State and Federal Filings are required.

    Workers Comp Bye Insurance provides Workers compensation insurance to protect your business’ most valuable asset – your employees. Bye Insurance is committed to workplace safety and protecting businesses from the financial consequences of workplace injuries.

    Physical Damage and Trailer Interchange Trucking Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.

    Cargo Insurance Truckers are in the business of hauling other business’ goods from one place to another for a fee. Motor Truck Cargo insurance is needed to protect the carrier in case of damaged freight. Motor Truck Cargo insurance coverage limits can range from $25,000 to $500,000 depending on what is being hauled.

    Trucking Insurance

    Thank you for choosing Bye Insurance. We offer a wide variety of Trucking Insurance Services in North South Carolina, Virginia, Georgia, and Tennessee. We also provide Commercial truck insurance. Property Insurance, General Liability Insurance and Workers’ Compensation insurance. We are more than just a team of agents; we are counselors and advisers who represent only the most highly rated insurance companies and work with you to formulate customized commercial trucking insurance services and solutions. With all the options out there it’s difficult to make an informed decision on the trucking insurance that’s right for you. If you have trucking insurance questions we have answers.

    Other truck insurance services we offer are:

    Call the trucking insurance experts today at Bye Insurance