Shopping for Car Insurance for Teen Drivers, Farmers Insurance, teenage driver insurance rates.

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Car Insurance Shopping for Teens

It almost happens overnight. One day you’re pushing them down the sidewalk in a little plastic car, the next they’re asking for the keys to the real thing. As a parent, letting your teen take the wheel is a strange feeling; it’s a weird mix of pride, protection, fear, and trust.

As the person who pays for the auto insurance, you might also be terrified about your rates going up.

Shopping for car insurance for your teen driver may seem daunting and expensive, but ask yourself a few key questions. The answers could help make the process a little easier on your blood pressure and your wallet.

1. Which kind of coverage do you want for your teen?

Every driver out there requires basic liability coverage to drive legally. How much liability do they want though? Do you want them to have other types of coverage too, like comprehensive, collision, uninsured/underinsured, or personal injury protection?

  • What kind of car does your teen drive? If it’s old, used, and seen better days, it might not be worth getting comprehensive/collision coverage, since any payout on damages could be less than your deductible. If they’re driving a newer car though, comprehensive and collision coverage is something to consider.
  • Will your teen be driving with passengers? If your teen will be driving friends and family around, consider adding Personal Injury Protection (PIP) or Medical Payments coverage to their policy. These could help pay for injuries to passengers or pedestrians caused by an accident with your teen’s car.

2. Which extras or options do you want for your teen?

Auto insurers offer all kinds of beneficial options and extras that you can add to a policy if you’re so inclined. For young drivers who are inexperienced in emergency situations, or who may get themselves into a fender bender or two, options like these can be invaluable:

  • Towing and roadside assistance
  • Small claims forgiveness
  • Incident forgiveness
  • Accident forgiveness
  • Car rental reimbursement

3. Which discounts can save you money?

Adding a new teen driver to your policy may raise your rates since they can pose an added risk. On the bright side, there are car insurance discounts you may qualify for when you add your teen to your policy, and other’s your teen may can qualify for, like:

  • Good student – your teen’s good grades can save you money.
  • Distant student – if your teen driver goes to school 100 miles or more from home, this discount can help you save.
  • Multi-car – adding your teen driver’s car to your policy can earn you this discount.
  • Driver training – gain experience behind the wheel with a state-approved driving course and your teen can qualify for another discount.

After you talk to your teen and your family, speak with a Farmers agent about your car insurance needs. An agent can provide you with more information, help find discounts, and give you a quote for coverage you want.

The information contained in this page is provided for general informational purposes only. The information is provided by Farmers and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this article or the information, products, services or related graphics, if any, contained in this article for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.




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Cheap Car Insurance, Auto Insurance Quotes, cheap sr22 car insurance.

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Car insurance, it’s the law. To own and register a car, you must possess valid auto insurance. There are many options to consider. From the type of coverage, to the policy limits, finding the correct balance for your individual situation is critical.

In order to remove a suspension placed on your Drivers License, an SR22 Filing is required. An SR22 is a document issued by an insurance company to guarantee that you have obtained minimum liability coverage for your state.

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Helping Drivers Find Cheap Car Insurance Since 1974

Founded in 1974, CheapInsurance.com began as an independent insurance agency serving customers in Northern California. Our core belief was that every driver should have access to the best coverage at the best possible price, regardless of driving record, location, gender, age, or vehicle type. CheapInsurance.com soon became the foremost specialist in helping unlucky drivers find the protection they need at an affordable price. Now, after helping California drivers for forty years, we have expanded our online system to provide insurance quotes to drivers nationwide. We help you find the best carriers, at the absolute lowest rates, without having to go to an office or spend hours on the phone answering the same questions over and over. How easy is it to get an insurance quote? This easy:

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    Commercial Auto Insurance in New Jersey

    Commercial auto insurance works the same way your personal car insurance policy does – it is simply for a commercial vehicle. Even if your employees use company cars for both business and personal use, it would be good to look into purchasing a New Jersey commercial auto insurance policy for your business. If the business is the owner of the vehicle, make sure the name of the business appears on the policy as the principal insured rather than your name.

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    Inside California: Car Rental Insurance Requirements, california automobile liability insurance.

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    What bad things can happen?

    There are several bad things that can happen to car renters in California:

    • Third Party Liability. Damaging someone else (bodily injury or property damage) and getting sued by the injured person. The potential loss depends of course on the amount of damage caused, culpability of the driver (racing cars while intoxicated will not help), and attorney and court related fees. This liability can be very large and drivers who have caused a lot of pain and suffering have been successfully sued for many thousands to millions of dollars.
    • Theft if renter is careless. Having the car stolen when the renter has NOT exercised “ordinary care” (e.g. leaving the keys in the car and doors unlocked). The charge depends again on the fair market value of the car and any administration charges (including loss of use). Charges could be as as high as $40,000 when renting a mid-sized car.
    • Collision/Loss for whatever reason. Damaging the rental car (regardless of who is at fault) and getting charged by the rental company for repairs and loss of use. The charge depends on the damage to the car (up to fair market value), how long it takes to repair the damage and any administration charges (including loss of use). However, the charges are capped by California Civil Code Section 1936 if the car is vandalized but not stolen: The most the renter is responsible for is $500.
    • Personal Accident Medical Costs. Getting personally hurt from an auto accident and having to pay medical bills. The risk depends on whether someone else is at fault and has money/insurance to reimburse the renter; and also the extent of the injuries. A standard emergency room visit with X-rays can easily cost $2,000 while emergency surgery may cost over $50,000.
    • Personal Effects Loss. Having personal items (e.g. luggage) stolen or damanged while in the rental car.

    Besides the monetary loss, there is the hassle of dealing with rental car companies, lawyers and paperwork needed to resolve these issues. Hopefully, nothing bad will ever happen but it is important to understand what can go wrong first. Then decide: Do I care about these bad things enough to pay the extra $$ to insure against it?

    California Law Requiring Insurance

    According to California DMV, The following minimum liability insurance is required for private passenger vehicles:

    • $15,000 for injury/death to one person. (Also known as bodily injury liability)
    • $30,000 for injury/death to more than one person.
    • $5,000 for damage to property. (Also known as product damage liability)

    Third party liability insurance compensates a person other than the driver for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements. It covers the situation where you hit and break someone’s leg (bodily injury) or run over someone’s fence (property damage).

    The only required insurance coverage when renting cars in California is third party liability. Of course, many people choose to get insurance over and above what is legally required. Drivers must also carry proof of liability insurance (your own insurance card or the car rental contract if liability coveerage was purchased) as that is required by law.

    What is automatically covered?

    For California, rental car companies do not automatically provide any liability protection to the renter as part of the standard rental agreement. However, some (e.g. Hertz) may provide the minimum primary liability protection to international customers (driver’s license indicates an address outside the USA) renting in California.

    This means drivers need to provide their own liability insurance when renting in California. In general, US residents should already be covered by their regular auto insurance but drivers need to confirm that they have the minimum level of liability insurance from their own insurance company. If not, renters will need to purchase purchase liability insurance (LIS or SLI) through the car rental company, or a non-owner liability policy through an agent or your favorite insurer like Geico, Progressive, etc).

    According to California Civil Code Section 1936, the renter is covered for theft (and vandalism damage as a result of theft) as long as the renter has exercised ordinary care. The renter is also covered for vandalism with a $500 deductible in cases other than theft. So purchasing additional coverage for theft and vandalism (assuming the renter plans to exercise ordinary care) is typically not needed.

    The other risks (collision damage to the rental, theft when renter is careless, personal accident medical or having personal effects damaged/stolen) are not automatically covered by rental car companies. So while not required by law, the renter has the option to purchase coverage to protect against the risk. In many cases, the renter already has coverage through somewhere else (e.g. their own auto insurance or personal liability policy, their health or life insurance, or their credit card company).

    The rates for additional coverages are typically not included in price quotes from direct booking sites in the US whereas International visitors who book rental cars through overseas booking services (e.g. http://www.hertz.com.au, http://www.avis.co.uk/ or rentalcars.com) will typically find 3rd part/supplementary liability insurance and Collision/Loss Damage Waiver bundled into the daily rate. So, always check terms and conditions for quotes when booking or comparing rates.

    Exclusions and limits to coverage

    There are some important exclusions to note in some of the coverages sold by car rental companies.

    Liability insurance sold by rental car companies will typically cover liability up to $1 million. This means if a renter is successfully sued for $5 million, the insurance company will pay the $1 million and the renter is personally responsible for the rest (less any other insurance the renter has).

    Personal Accident Insurance (which covers the renter’s medical bills) typically has an upper limit that is low — only $2,500 for Hertz and Avis. Note that the renter is typically covered only for accidents while in the car and not while falling on a hike or getting food poisoning in a restaurant. Other exclusions may also apply. Visitors to the United States who need temporary health insurance that cover them inside or outside a car for more than $2,500 can obtain them from different insurance agencies that specialize in travel insurance for overseas visitors (e.g. moneysupermarket.com and many others).

    It is also important to note exclusions to the Loss Diamage Waivers (LDW/CDW) sold by car rental companies. LDW is not insurance; it is a waiver of the right for car rental companies to sue for damages. Typical exclusions which invalidates LDW (in California) include (but may not be restricted to):

    • Intentional damage to the rental car
    • Towing or pushing anything
    • Driving while intoxicated or under the influence of drugs
    • Driving in a reckless, wonton or dangerous manner’
    • Using the car for commercial hire, or while committing a felony
    • Driving on unpaved roads (if the damage or loss is a direct result of the road/driving conditions)
    • Driving outside the US or Canada
    • Use of car by an unauthorized driver (other than the renter or spouse of legal age with valid drivers license)

    This means that any damage to the car under the circumstances above will not be covered by LDW. Each rental car company has different rental agreements so read your rental car agreement for the exact exclusions. If you are covered by your own insurance, understand the exclusions of your own insurance when deciding whether there is duplicate coverage.

    Bottom Line: Which Car Rental Coverage is required?

    Third party liability is ALWAYS required so be sure you have that. For others, decide whether you want to pay the additional charges BEFORE you walk up to the rental counter. For many visitors from overseas, collision damage waivers provide peace of mind and California regulates the price so there should be no difference in the cost of coverage among car rental companies.

    Decide before hand so you won’t be confused and end up paying for coverage you don’t need or want. For those who HATE being “sold” additional insurance, consider signing up for frequent renter programs where insurance coverage decisions are made before hand and all you do is pick up the car and skip any “hard sell tactics”.

    Here’s a summary matching the risk with the coverages offered:




    New York Life – Apply Now – Life Insurance up to $50, 000, term life insurance ny.

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    Includes details on costs, eligibility, renewability, limitations and exclusions.

    Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

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    Term Life Insurance – Term Life Insurance Quotes, Progressive, insurance quotes term life.

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    Term Life Insurance

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    Iowa Car Insurance – Online Auto Insurance, iowa auto insurance.

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    Online Auto Insurance

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    • $20,000 for bodily injury to one person
    • $40,000 for bodily injury to two or more people
    • $15,000 for property damage of the other party

    Uninsured and Underinsured Motorist coverage must be offered to the insured at the time they purchase a policy. This coverage must be equal to the minimum financial responsibility limits. This covers bodily injury to the policyholder caused by a driver that does not have a policy or is underinsured. This option can be rejected with a separate form provided by the insurer and signed by the insured.

    Iowa auto insuranceInsurance companies in the Hawkeye State take operating while intoxicated (OWI) convictions very seriously. If motorists are convicted of an OWI after purchasing a car insurance policy, they may have their rates increased or their plans canceled. Uninsured motorists with.

    Iowa auto insuranceThere is a chance that an Iowa motorist may end up paying more for vehicle coverage after multiple accidents, even if the driver in question was not directly responsible. Car insurance premiums are largely based on a person’s likelihood of filing a claim, and people with histories of.

    Iowa auto insuranceShopping for auto insurance in Iowa is very similar to shopping for other products. Residents usually explore as many options as possible to find a company that can either offer the lowest prices or can provide the most extensive coverage. One of the.

    News Regarding Iowa Insurance

    June 29, 2012 – The Iowa Supreme Court sided with the insurer being sued in a case where a woman sought compensation from her coverage provider after finding out the extent of her medical damages almost four years after crashing, with the justices upholding the .

    January 18, 2012 – Drivers in Iowa, North Dakota and South Dakota had the most affordable average car insurance premiums nationwide in 2009, while Louisiana and D.C. had the highest average premiums, according to a new report from a national association of regulatory officials. The state with the lowest combined rates for private vehicle coverage.

    November 10, 2011 – Regulators in Iowa and Pennsylvania are warning motorists to be especially watchful for deer on the roads this month–and to consider buying optional insurance coverage that reimburses policyholders for damages caused by a run-in with an animal. Authorities say mating and migration patterns make November the most active time.

    Iowa Auto Insurance Articles

    Jul 03, 2012 – A court case decided by the Iowa Supreme Court at the end of June has some potentially significant implications for drivers who are injured in auto accidents. In the case.

    Dec 28, 2011 – Auto insurance prices in Iowa are primarily based on the likelihood that a motorist will file a claim. In an attempt to accurately predict a driver’s accident risk, insurers frequently explore an extensive amount of research and.

    Nov 02, 2011 – Vehicle owners in Iowa have different requirements than many other motorists across the nation. Drivers in the Hawkeye State are not strictly required to purchase auto insurance, but.




    Car Insurance Rates Mobile Form, auto insurance compare.

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    Ask a Question, Get an Answer

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    Business auto liability insurance is an important safeguard for your business. If you or an employee is sued following a serious accident in a car or truck you own, liability insurance helps protect your company’s assets.

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    You need this protection if:

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    Business auto liability insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people are injured or their property is damaged. A minimum amount of commercial auto liability insurance (or proof of financial responsibility) is required in most states.

    Some states also require underinsured motorist and uninsured motorist coverage to protect you when the at-fault driver is unable to pay the total cost. Collision or comprehensive insurance is often optional.

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    Minimum required commercial auto liability coverage varies by state, and typically is the same for both personal and commercial auto liability policies. Many companies opt for more than state-minimum coverage. Why? Because if an injured party sues for a larger amount than the minimal policy covers, it could seriously threaten many small businesses.

    How much commercial auto liability coverage do you need?

    There are no clear rules around how much business auto coverage you need. Nationwide requires at least $100,000 commercial auto liability coverage per vehicle, with a recommended minimum of $500,000 up to a maximum of $1 million.

    For even more coverage, consider a business commercial umbrella policy. It picks up where your business auto liability, general liability or other liability coverage stops. Commercial umbrella insurance is an inexpensive way to get extra coverage against bodily injury and/or property damage.

    For example, if your current commercial truck liability insurance policy covers you for $1 million and you are successfully sued for $1.5 million, your commercial umbrella coverage can pay the outstanding $500,000 – so you don’t have to.

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    Auto liability coverage can be included in a commercial auto insurance policy.

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    Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.




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    More in Auto Insurance

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    • Car Insurance Companies Use Facebook for Claims Investigations – 09/04/2013

    New Car Buying Guides

    See which cars and trucks our editors recommend

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    When you really need it, you will be glad you took the time to purchase good car insurance. The purpose of the articles in this section is to prepare drivers with the right auto insurance policy before it is too late. Then, if trouble strikes, you and your family and your family’s finances will be protected.

    Everyone knows that car insurance can be expensive. However, in the Internet era, getting an online car insurance quote is fast and easy. With the resources and information we present here, it is easier than ever to compare auto insurance quotes. We will also tell you what differences exist between one auto insurance company and another. Basic coverage is described and comparative shopping strategies are clearly outlined. What about teenage drivers? We take a special look at shopping for car insurance for them. What if you have auto insurance but can’t keep up with the expensive premiums? We might be able to show you how to continue getting the coverage you need while reducing your payments. And, finally, what about the mysterious type of insurance called “gap insurance”? This is a form of auto insurance that usually applies to leased cars. In some cases, however, a car buyer might also need gap insurance. We’ll tell you when and how much to buy.

    If you are on the fast track, and need car insurance now, we’ve boiled down all our information into the easy-to-read “10 Steps to Buying Auto Insurance.” This series of short articles is followed by a checklist that will ensure that you won’t overlook any important details as you get the best coverage available.




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    We don’t just offer you affordable car insurance, we also ensure that you get great cover along with many additional benefits as part of your motor insurance. You can choose from Comprehensive Car Insurance or Third Party Fire Theft policies with up to 5 weeks free when you quote and buy online, all backed up with 24/7 claims support.

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    If this is your first policy, but you’ve driven claim-free on someone else’s policy in the last two years, then it’s only fair that your good driving record is recognised – and rewarded!

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    Ready to get a quote? At Liberty Insurance we give you up to 5 weeks free when you quote and buy online. The discount is applied automatically to your quote and you’re covered from the moment you buy, so you’ll be on the road in no time.

    Online discount applies to new private car policies only. 5 weeks free equals a 10% discount. Maximum discount €150. Subject to minimum premium and applied before optional covers. Acceptance criteria, terms and conditions apply.

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    We don’t just offer you affordable car insurance, we also ensure that you get great cover along with many additional benefits as part of your motor insurance. You can choose from Comprehensive Car Insurance or Third Party Fire Theft policies with up to 5 weeks free when you quote and buy online, all backed up with 24/7 claims support.

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    Imagine the perfect car insurance policy. It probably includes hassle-free purchase, step back no claims bonus protection, free breakdown assistance, 24-hour claims help and European cover as standard.

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    Accidents can happen to anyone. If you have to claim, we don’t think you should lose all the no claims bonus you’ve built up. So you’ll be relieved to know that if you have four or more years of no claims bonus and you do have to make a claim, you’ll still keep part of your no claims discount. Terms and conditions apply.




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    Liability car insurance coverage from Nationwide

    In most U.S. states, auto liability insurance coverage is a legal requirement for driving a car. Yet the most basic policy may not provide the coverage you need if you’re in a serious accident. It pays to understand liability car insurance and adjust your policy to meet your needs and budget. Learn more about what liability insurance covers and get a liability insurance quote today.

    What does liability insurance cover?

    There are two basic components of liability car insurance: bodily injury coverage and property damage coverage.

    About bodily injury liability coverage

    Bodily injury liability coverage may help pay the costs if people are injured or killed in a covered accident you cause. This may include medical expenses, loss of income and, in some cases, legal fees if you are sued.

    About property damage liability coverage

    Property damage liability insurance helps pay for other people’s property, not yours. It may cover damage done to someone’s property as the result of a covered accident for which you are responsible. It may also help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident.

    Minimum and maximum limits on auto liability insurance

    A limit is the maximum dollar amount your insurance may pay per event. For example, if you have a property damage limit of $10,000 and cause $15,000 in damages in a covered accident, you are responsible for the excess $5,000.

    If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.

    How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.

    Liability car insurance alone does not cover your car

    If you opt for liability car insurance alone, you’re legally covered, but damage to your vehicle isn’t. That could cost you thousands to repair or replace the vehicle you depend on every day. Collision coverage and comprehensive car insurance coverage help pay for damage to your vehicle if coverage applies. You can also keep your rates low in the event of an accident with Accident Forgiveness.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.




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    July 1, 2014 – This July 1, a car insurance bill in Louisiana changes the rules for uninsured drivers while another bill in Florida applies changes to coverage for drivers with DUI convictions. Also, an auto insurance-related bill about premium refunds kicks in for Kansas drivers

    June 17, 2014 – Florida drivers who buy coverage to get their driving privileges back after a DUI or lapse in coverage will soon face a longer period when their insurer can cancel the policy. Currently, Florida car insurers have only a 30-day “underwriting period” during which they can cancel such policies. But, starting July 1, .

    January 22, 2014 – Florida motorists could soon see average savings of more than 13 percent on their personal injury protection (PIP) rates as a result of recent reforms, according to insurance regulators. That would translate to a broader reduction of 3 to 4 percent on overall car insurance bills. The estimates come from a Wednesday report .

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    October 16, 2012 – It’s a standard rule in the insurance industry that location plays a major part in the price you pay for coverage. But when it comes down to it, how much of a factor does it really play? OnlineAutoInsurance.com ran an analysis of nearly 1,700 car insurance quotes in Florida from 25 companies and broke them down by the state’s 67 counties.

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    May 31, 2012 – Significant changes to Florida’s no-fault auto insurance laws that deal with coverage provisions and criminal activity will start taking place in July 2012, although residents will not experience the.




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    Teen-aged drivers may use cellphones but only when talking to a parent, spouse or on an emergency call. Happy hours are prohibited in North Carolina except for food specials. In more odd-sounding laws, it is illegal to Rollerblade on state highways or drive on sidewalks in North Carolina.

    Durham Crime Statistics

    The vehicle theft rate in the greater Durham-Chapel Hill metro was 173 reports per 100,000 people in 2015, or 958 cases, according to numbers from the National Insurance Crime Bureau. The national average for that year is 220 incidents per 100,000. The Durham car theft rate is higher than neighboring Raleigh, where the rate was just under 120 incidents per 100,000 the same year.

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    Not many people know car insurance can be purchased for the times when they do not own a car. A non-owner auto insurance policy covers you for liability when you do not own a vehicle. It is purchased per driver, so multiple drivers are not covered under one policy. Most non-owner auto insurance policies do not provide coverage for medical or any physical damage, however, it is possible to find medical coverage depending on the car insurance carrier.

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    • Protection for Liability is Important Even If You Do Not Own a Vehicle

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    Keep In Mind Non-Owner Policies Do NOT Cover:

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  • Non-owner auto insurance policies are available everywhere but do not get talked about very often. Many people have never heard of an auto policy for a person who does not own a vehicle. It is always recommended to avoid a lapse in car insurance coverage if at all possible. A non-owner auto insurance policy can protect you for those times when you do not own a vehicle.




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    Welcome to Sav-On Insurance Agencies. We deliver low cost auto insurance and other coverage to clients in Lynnwood, Everett, Tacoma, Seattle, Kent, Federal Way, and neighboring communities. Whether you are just looking for affordable car insurance or need coverage for your home, business, or other property, we have served the local community for 50 years and offer highly competitive rates and unmatched service.

    We deliver the lowest rates possible, regardless of your driving history or situation. From affordable auto insurance for people with great driving records to high risk insurance, DWI insurance, and SR 22 certificates, we work with more than 30 insurance providers to get you the best rates. If you have had a problem in the past, our “Smart Drivers” program can guide you on the path to enjoying preferred rates for your insurance faster than our competitors.

    In addition to cheap auto insurance, we can help you with the coverage you need to protect what is most important in your life. We help our clients with customized insurance solutions for life insurance, boat insurance, RVs, homeowners insurance, commercial insurance, and other products. We are proud to be a part of the local communities that we serve, and we get involved through sponsoring local sports teams for kids and other programs for kids and new citizens.

    Additional information about our insurance services in the Lynnwood, Everett, Tacoma, Seattle, Kent, and Federal Way areas can be found on our website. To discover how much you can save on your car insurance, request a quick quote through our website. Immediate auto insurance coverage is available, so get in touch with us today. For answers to your questions and to discuss your needs for cheap car insurance and other coverage, contact us at 888-867-2866.




    Car Insurance Quotes – Auto Insurance, Progressive, how to get cheap auto insurance.

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    Car Insurance

    Get a quote you could save $620 *

    Ways you can save on car insurance with Progressive

    More than 18 million drivers are insured by Progressive, making us one of the largest and most trusted car insurance companies. ** Why? It’s simple. Our unmatched value. We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more. Take advantage of our savings and get an auto insurance quote now.

    Bundle auto and property

    Save another 5% or more on your auto insurance when you combine with home, renters or condo.

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    Snapshot is a program that personalizes your rate based on how YOU drive. The safer you drive, the more you can save.

    Compare car insurance rates

    Compare the exact same coverages at a handful of companies and instantly see the best price.

    Try Name Your Price

    Try the Name Your Price Tool and tell us what you want to pay. Then, we’ll show coverages in your budget.

    Auto insurance coverages we offer

    Accidents, glass damage, lawsuits, hail, and more we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.

    Keep in mind, coverage offerings can vary by state.

    Liability (bodily injury and property damage)

    Covers damages you cause to others

    If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, this covers you if someone sues you over an accident.

    Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.

    Comprehensive and collision

    Covers damage to your car

    These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.

    Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).

    Uninsured/underinsured motorist

    Covers your injuries and damages

    These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

    Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

    Medical payments

    Covers your injuries

    Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

    Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

    Rental car reimbursement

    Covers rental car fees

    Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

    Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we’ll pay for your rental car fees (up to your limits).

    Loan/lease payoff

    Helps pay off your loan when your car is totaled

    Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

    Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.

    Progressive guarantees repairs

    Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.

    Progressive Service Centers offer a simplified claims process. All you have to do is file your claim, drop your car off and that’s it. We’ll have your rental car waiting if you need one and take care of the entire repair process for you.

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    Get an auto insurance quote online or call for advice

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    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

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

    Mobile rates are for policies purchased directly from Progressive.

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

    Discount varies and is not available in all states or situations

    The Progressive Group of Insurance Companies, comprised of Progressive Casualty Insurance Company and its affiliates, is the country’s fourth largest auto insurer.

    Discounts not available in all states and situations

    You’ll get more information when you quote. All coverages subject to policy terms and conditions.

    National survey of new Progressive auto customers in 2015.

    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.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.




    Life Insurance With and Without a Medical Exam, AIG Direct, no medical exam life insurance quotes.

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    A Look at Life Insurance Policies with and without a Medical Exam

    Many term life insurance carriers require a medical exam when you apply. Some don’t. Here’s a look at the impact of having an exam or not.

    Term Life Insurance with a Medical Exam

    It might seem inconvenient (or even unpleasant) to get a medical exam, but it can benefit you.

    The Insurance Carriers that offer term life insurance with a medical exam, require an exam to get an accurate idea of your health situation. It helps them to rule out health problems, identifying conditions that might increase your risk of dying. Once they know about your health, they can assign you an appropriate rate based on risk. If you’re healthy and your risk of dying seems low, you’re likely to get a lower rate than someone with health issues.

    The medical exam is usually performed by a paramedical professional or nurse. For your convenience, you can schedule it at your home or place of work. It usually takes about 30 minutes or less. The exam consists of basics such as checking vital signs, a blood test and urinalysis. In some cases, the carrier may want additional tests, such as an EKG/ECG.

    While having a medical exam isn’t usually something to be concerned about, be aware that it can reveal a health condition you weren’t aware of. Also, if you are declined term life insurance based on what the exam reveals, it could impact your ability to become insured elsewhere.

    Term Life Insurance Without a Medical Exam

    Term Life Insurance without a medical exam has a tendency to be more expensive than medically underwritten policies. That’s because, generally speaking, the carriers average out everyone’s risk and charge accordingly. So, if you are in good health but choose to purchase term life insurance that does not require a medical exam, you may end up paying a higher premium than necessary.

    Most of the term life insurance carriers that do not require a medical exam will still inquire about your medical history and lifestyle. Based on your answers, they might set the premium rates higher or lower.

    Some companies issue policies without asking any questions about medical history. This increases the risk to them, so they tend to charge higher premiums and set lower coverage amounts.

    Term Life Insurance With a Conditional Medical Exam

    Some term life insurance carriers require a medical exam only if it seems warranted after asking health and lifestyle questions. For example, if they find out that you are a smoker, had a serious illness or want a high coverage amount, they might require an exam.

    To learn more about term life insurance and the application process, contact AIG Direct today. Our licensed professionals can help you decide if having a medical exam as part of the application process makes sense for you or not.




    Life Insurance – Top Ten Questions: Term Life Insurance, best rate term life insurance.

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    Life Insurance – Top Ten Questions

    For additional information, please also visit our Life Insurance Resource Center. Additional Frequently Asked Questions are available by selecting this link.

    Term life insurance provides death benefit protection for a period of one or more years. The death benefit of the policy is paid only if the insured dies during that period. If the insured lives beyond the term period, no death benefit is paid. Typically, there are no cash values or loan values for term life insurance.

    1. When should I consider buying a term life policy?

    Term insurance is generally used when the need for death benefit protection is temporary or if you are unable to afford the premiums of a permanent life insurance policy. Term insurance typically provides for the largest immediate death benefit amount for each premium dollar. It is appropriate if you are seeking protection for a specific need that will end at a future date such as to pay for a child s college education expenses, to repay a loan or to replace income should death occur prior to retirement.

  • How does term life insurance differ from permanent life insurance?

    Permanent life insurance is intended to provide protection for your entire life. Generally, the premiums for permanent insurance are higher at least initially than for the same amount of term insurance. A portion of the permanent life insurance premium is used to build-up a cash value in the policy. The cash value can be used in a number of different ways including allowing you to take out a loan against the cash value. Term insurance, as described in question one, provides protection only for a specified period of time and typically does not build up any cash value.

  • What are the main types of term life insurance available for purchase?

    In general, there are three main types of term insurance available:

    Level term insurance

    The amount of death benefit protection you purchase will remain the same for the entire term period. The premiums you pay for this level amount of death benefit may also be level for the entire period, may be level only for a specified period, or may increase over time.

    Decreasing term insurance

    The amount of the death benefit protection you purchase will decrease over the term period. Premiums for a decreasing term policy usually remain level throughout the term period. Decreasing term insurance is generally purchased by those who have financial obligations that decrease over time such as a mortgage or a personal or a business loan.

    Annual renewable term insurance

    The amount of the death benefit protection you purchase will remain the same for the term period. The premiums you will pay for this level amount of insurance will increase each year.

  • What is renewable term life insurance?

    Many term life insurance policies are described as being renewable . This feature allows the policy to be renewed for another term period without having to show that the insured is in good health. As long as you pay the premium due, the policy will automatically renew for another term period subject to a maximum age limit. The premium due upon renewal will most likely be higher than the premium you paid for the initial term period.

    In most cases, term policies in New York currently cannot be renewed beyond age 80.

  • What is convertible term life insurance?

    Some term life insurance policies are described as being convertible . A conversion provision allows the owner of the term life policy to convert from the term life insurance policy to a permanent life insurance policy during a specified period of time without having to show that the insured is in good health. The conversion period is shorter than the duration of the term insurance coverage.

  • How long will coverage under a term policy continue?

    How long coverage under a term policy will continue will depend on the type of and duration of the term policy you purchase. For example, if you purchase an annual renewable term policy your coverage may be renewed each year up to a specified maximum age limit. If you purchase a 10 year level term policy you will have coverage for 10 years. If you purchase a 10 year renewable level term policy you will have coverage for 10 years and then have the right to renew your term coverage for another 10 years.

  • Will the premiums due for term life insurance change over time?

    Whether or not your premiums remain level for the entire term period or increase over time will depend on the type of term policy you purchase. Premiums for a term policy may be either level or increasing. Premiums can also be guaranteed in the policy to remain level for a specified period of time and may increase thereafter. In general, for most term policies the premiums will increase over time.

    Some term policies provide for what is known as indeterminate premiums. This means that the policy will set forth a schedule of maximum guaranteed premiums. The insurer can never charge more than the maximum premiums in your policy. However, the insurer intends to charge you what is know as the current premiums which are less than the guaranteed maximum premiums in your policy. Ask to see both sets of rates before you make a purchase.

    Term insurance is very competitive with respect to premium rates. Shop around and compare.

  • Can an insurer cancel term life insurance?

    A term life policy will stay in force as long as you continue to pay the premiums due. If you miss a premium due date you will have a 31 day grace period to pay the premium due. Your policy will remain in force during the grace period.

    An individual term life policy can be canceled by the insurer only for non-payment of premium. If you do not pay the overdue premium payment within the grace period your term policy will terminate. The policy cannot be canceled due to a change in your health status.

    If you purchase term insurance through a group such as an employer-employee group your term coverage may terminate when you are no longer an eligible member of that group e.g. your employment ends. Be sure to read the termination provision of your group term life certificate.

    A Return of Premium feature is a feature that has recently become popular and may be offered in conjunction with term life insurance coverage. The return of premium feature will generally provide for a refund of all or some of the premiums you paid for the term insurance at the end of a level term period or at end of the term coverage period if no death benefit was paid out during that period. The parameters of the return of premium feature will vary depending on the term life insurance policy you purchase. The return of premium feature can be offered by a separate rider to the term life policy for an additional cost. The return of premium feature may also be a provision within the term life policy. Term life policies with this feature will be more expensive than a term life policy that does not offer this feature. You should consider whether the return of premium benefit is worth the extra cost.

  • What premium mode should I choose when purchasing term life insurance?

    Most companies offer a variety of premium modes including annual, semi-annual, quarterly or monthly. In deciding which premium mode to choose you should consider the following:

    If you choose to pay an annual premium and then decide to terminate your policy before the end of the year, the insurer is not required to refund any portion of the premium paid.

    Generally, there is a higher cost associated with more frequent premium modes. Ask your agent or the company for a comparison of the different premium modes and the costs associated with each before making your purchase.

    Best rate term life insurance




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    Federal employees long term care insurance! – Video

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    What is Whole Life Insurance?

    Whole life insurance is a type of permanent life insurance coverage designed to last from the time you purchase your policy through the remainder of your life.

    Whole life insurance typically offers guaranteed acceptance and builds cash value over time. A portion of each premium you pay becomes part of this cash value. This money accumulates on a tax deferred basis and is available to you (subject to policy terms). Additionally, you can borrow money against the cash value of your whole life insurance policy instead of taking out a loan elsewhere. Usually, this can be done without the waiting periods and credit checks that other types of loans can have. Just keep in mind that if you borrow against the cash value of your whole life insurance policy, you should consider repaying it as soon as possible. If you don’t, your loved ones will have a reduced death benefit if you die since unpaid loan balances are deducted from death proceeds.

    How Much Does Whole Life Insurance Cost?

    Whole Life Insurance Premiums

    One advantage of whole life insurance policies is that they offer fixed premium rates and death benefits. That means that from the time of purchase to the end of the policy, your premium payments and death benefit should remain locked in place (so long as you make your premium payments on schedule, and haven’t taken out any cash value). Your predictable, fixed-rate premium payments can be made on a monthly, quarterly, semi-annual, or annual basis as agreed upon by you and the insurer you choose. You can also work with an agent to create a customized a premium payment plan that works for your budget.

    For some, it’s the fixed premiums; for others the cash value attracts them to whole life insurance. But, if you’re over 50, 60, or 70 years old there may be another reason to consider whole life insurance from AIG Direct. A commonly chosen type of whole life insurance called Guaranteed Issue Whole Life insurance (GIWL), offers guaranteed issue coverage up to $25k with no medical exam required. Because of its accessibility, GIWL is often chosen by seniors. Also known as “Senior Life” or “Burial Insurance” beneficiaries can use the proceeds to help cover final medical and burial expenses.




    New York Car Insurance Quotes and Discounts – 21st Century Insurance, ny auto insurance.

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    Get a New York Car Insurance Quote from

    21st Century Insurance

    The Empire State of New York is more than the bright lights of the “Big Apple,” New York City. There’s the famous Coney Island in South Brooklyn, where you can take in a sideshow act while eating a Nathan’s hot dog or ride the rollercoasters of its new amusement park, Luna Park. And there’s also numerous art, science, and history museums located throughout the five boroughs to satisfy your cultural needs. New York is also home to the Adirondack Mountains and their 6-million acres of woodland, trails, and waterfalls along with the Catskills, with whitewater rafting and panoramic views. Wherever you live in New York you’re likely looking to save money and 21st Century Insurance may be able to help.

    When you get a New York car insurance quote from 21st Century, you may find you’re eligible for one of many car insurance discounts that could save you money.

    New York Car Insurance Quotes and Discounts from 21st Century

    21st Century offers a variety of car insurance discounts that fit all types of age groups and lifestyles.

    If you are a New Yorker that has more than one car you may be eligible for 21st’s multi-car discount. Just insure more than one car with 21st Century to qualify for the discount. And if you own your own home, you’re also eligible for a homeowner’s discount from 21st Century. Bill plan discounts are also available.

    If you’re a senior New Yorker, you can also save with 21st Century car insurance discounts. Through our mature driver discount, drivers 55 years or older can save on their insurance coverage. In order to qualify, drivers must complete a state-recognized defensive driving course.

    21st Century also offers the driver training discount for younger drivers. To qualify, drivers must be under the age of 21 and successfully complete a driver training course. All drivers who complete a state-approved defensive driving course are also eligible for a discount from 21st.

    If you have a car equipped with additional safety measures, 21st Century will reward you with various discounts. If your car has any of these features, it may be eligible for a discount.

    Automatic seat belts

    An anti-theft system

    An anti-lock braking system

    Daytime running lights

    If you’re looking for affordable auto insurance in New York, 21st may be the perfect insurance company for you. 21st offers the same great coverage for less in New York with discounts that may help you save money.

    And don’t worry, if you’re already a 21st customer, you may already be saving money with one of these discounts. But if you think you’re missing out check your policy details at 21st.com or speak with a representative.

    Get a New York auto insurance quote from 21st and see what car insurance discounts are available for you today.




    The advantages of survivorship life insurance policies, second to die term life insurance.

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    The advantages of survivorship life insurance policies

    By Insure.com | Last updated: Oct. 6, 2010

    Imagine a life insurance policy that doesn’t necessarily pay off when you die. Survivorship life insurance fits that description, and might be a worthwhile purchase for people whose heirs will have to pay hefty estate taxes.

    Second to die term life insuranceA survivorship life insurance policy, or second-to-die life, as it used to be called, insures two lives usually a husband and wife. Unlike traditional life insurance, the death benefit isn’t paid out until the second insured person dies.

    Usually, the death benefit from a survivorship life insurance policy is intended to pay federal estate taxes and other estate-settlement costs owed after both spouses pass away. The product was developed in the early 1980s in response to a law that enables married couples to postpone federal estate taxes until both spouses pass away.

    Under federal tax law, there is a marital deduction permitting you to leave an unlimited amount of assets to your surviving spouse. If you leave all your worldly possessions to your husband or wife, no federal estate taxes are owed at the time of your death. Those assets then become part of the estate of the spouse and might be taxed when the surviving spouse eventually dies, assuming he or she hasn’t remarried. The death benefit from a life insurance policy could help pay those taxes.

    The survivorship life insurance sales pitch

    Agents who sell survivorship life insurance often point out that your beneficiaries can pay estate taxes with the proceeds of your policy, so they won’t be forced to sell your house quickly or liquidate assets to pay an estate tax bill. Furthermore, when you buy the policy, you’ll pay less than the estate taxes will cost.

    Sometimes, a life insurance agent and the policyholders’ lawyers will construct a financial plan reducing the tax burden of wealthy individuals by creating trusts and using survivorship life insurance as part of the estate-planning strategy.

    Advantages of survivorship life insurance policies

    • Less expensive. Survivorship life insurance is usually less expensive per thousand dollars of death benefits than traditional single-insured life insurance. In the case of survivorship policies, the premium is based upon the joint life expectancy of the insureds. Since the insurance company owes nothing until both insureds die, the premium will be significantly cheaper than buying separate policies for both people.

    There may be other reasons to purchase survivorship life insurance. For example, parents with special needs children could consider survivorship life policies to provide for those children after both parents have died.

    Questions to ask before you buy

    With any type of survivorship life insurance, find out how the policy would be affected by a divorce or a change in estate tax laws. Some life insurance companies offer a rider, without extra charge, that permits you to split the policy into two single-insured policies in certain circumstances.

    If you’re considering purchasing a survivorship life insurance policy, consider consulting an attorney who specializes in estate planning.




    DUI Insurance – Impaired Driving Insurance, cheapest dui insurance.

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    IMPAIRED DRIVING, INTERLOCK INSURANCE, DUI

    We will help you get through the process .

    We are very pleased to be the chosen Insurance Agent for Smart Start Canada. With over 25 years of dealing with DUI s and Impaired Driving, we have created a very unique pricing system. We understand you made a mistake. We understand your difficulties since that day .

    We will customize a payment plan just for you. All our new policies are done electronically. No need to leave your office or your home. We could have you insured in as little as half an hour. Call one of our friendly staff today and we will help you get back on the road.

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    *Based on the individual driver that qualifies for our DUI/Interlock/ Impaired Driving Program.

    ABOUT US

    We are a specialized team of Insurance Agents with over 25 years of working with high risk/hard to place risks.We have a very unique approach on Impaired Driving/DUI/interlock insurance.

    We have worked very closely with Alcolock (Guardian Interlock) and Smart Start Canada for over 10 years. We understand the process that you need to go through to get back on the road again.

    We will help you get the lowest rates whether you live in Lloydminster, Medicine Hat, Cold Lake, Lethbridge, Calgary, Red Deer, Edmonton, Slave Lake, Sherwood Park, Peace River, Brooks, Spruce Grove, Whitecourt, Edson, High River, Camrose, Grand Prairie, Penhold or Fort McMurray.

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    How Much Does Life Insurance Cost? Get Average Price, Trusted Choice, term life insurance florida.

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    Life Insurance Cost

    Term life insurance florida

    The first two questions most people ask when they look into life insurance coverage are very often: “How much will it cost?” and “How much do I need?” Life insurance costs can be a challenge to calculate because there are several types of life insurance, including whole life, universal life and term life insurance. The cost of life insurance is unique to each individual and depends on the type of policy you choose, the amount of coverage you want, and factors such as your age and overall health.

    Comparing online life insurance rates can be a good way to get an idea of what you might pay in premiums. But to get a customized plan that fully meets your needs and budget, it is a good idea to work directly with an agent. For detailed answers and a review of your situation, contact an independent agent in the Trusted Choice В® network who specializes in life insurance. An local member agent in your area can help you evaluate your options and provide a customized quote.

    Factors That Affect Your Life Insurance Costs

    • Age: Overall, life insurance rates increase as you age.
    • Health profile: Do you have any chronic conditions? Do you smoke?
    • Gender: Women live longer, statistically, and typically pay lower life insurance costs.
    • Occupation: Receptionist? Machine operator? Sky diving instructor? Yes, it matters.
    • Exams: “No exam” life insurance quotes are available, but are typically more expensive.

    To look at some average life insurance rates, we will review several scenarios. Why? Because the average cost of life insurance for a 30 year old male who smokes is very different from the average cost for a 30 year old female with a clean bill of health. To illustrate the range of costs associated with life insurance, the following section will give some hypothetical scenarios for you to think about before you buy a plan.

    The Average Cost of Whole Life Insurance

    The following average costs were calculated using the following assumptions:

    1. The individuals are a healthy weight and do not live a hazardous lifestyle.
    2. They want $500,000 worth of life insurance.
    3. They want monthly “level pay” (same payments for the duration of the policy).

    The average costs will differ when any of the variables change. For example, a 35 year old female nonsmoker would pay an average of $731.57 if she wanted 1,000,000 worth of whole life insurance or about $188.36 for $250,000 worth of whole life insurance.

    The Average Cost of Term Life Insurance

    The following average costs were calculated using these assumptions:

    1. The individuals are a healthy weight and do not live a hazardous lifestyle.
    2. They want $500,000 worth of life insurance.
    3. They want to pay monthly for a 20-year term policy.

    Term life insurance florida

    Again, the average costs will differ when any of these variables change. For example, a 35 year-old female nonsmoker would pay an average of $61 per month for $1,000,000 worth of life insurance with a 20-year term, and $23.90 per month for $250,000 worth of life insurance with a 20-year term.

    Does Life Insurance Cost More in Certain Regions of the U.S.?

    There can be some differences in your life insurance costs, depending upon your state and region. Life insurance companies use “mortality tables” to help predict the benefits they are likely to pay in a given year. Why? Because the amount they collect in premiums must be less than what they pay out in benefits, and these actuarial tables ensure that they will not end up in a deficit.

    Some factors that may be taken into account to calculate your life insurance costs in your region include:

    • Whether there is a high rate of obesity in your state or region
    • If the area experiences a high rate of deadly natural disasters, such as earthquakes
    • If the region is prone to certain diseases, such as black lung disease typical in miners
    • If the state or region has a high mortality rate due to crime
    • How many policies have been written in that area

    Even with these factors taken into consideration, rates do not typically vary significantly from region to region. For example, if you live in an area prone to earthquakes and high crime, your life insurance rates will be affected more by your age and personal health profile than where you choose to live.

    How to Lower Your Life Insurance Costs

    Because health and lifestyle play a key role in determining your life insurance rates, the key things you can do to lower your payments have to do with improving your health and reducing your risk of chronic conditions like diabetes or cancer. Being a non-smoker is perhaps the most critical choice you can make to reduce your life insurance rates, but there are many more things you can do as well.

    • Maintain a healthy weight to reduce the risk of obesity and related chronic conditions.
      • Get a body mass index (BMI) check done
      • If you have a high BMI, work with a health professional to lose excess weight
    • Maintain your heart health to reduce the risk of hypertension, heart attack and stroke.
      • Get an annual physical
      • Regularly check your blood pressure, cholesterol, and triglyceride levels
      • Work with a health professional to improve your numbers, if needed
      • Reduce stress, improve your diet and increase exercise
    • Manage your blood sugar to reduce the risk of diabetes.
      • Request a blood sugar test
      • Obtain a diet and exercise plan to help manage blood sugar levels

    In addition to assessing your overall health, most life insurance companies will also review your risk of death from a high risk sport or work related accident. For this reason, your career choices and the activities you choose to do for fun can also impact your life insurance rates. If you work at a desk job, versus a career as a skydiving instructor, under-water welder or a rodeo clown, you will find that more insurance companies will be willing to insure you at a more affordable rate.

    To get more information on life insurance rates, find an independent agent in the Trusted Choice network today. An agent right in your area can help you evaluate your life insurance options and costs based on your unique circumstances.




    Best and worst life insurers in SA, the best life insurance company.

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    Best and worst life insurers in SA

    The best life insurance company

    South African consumers’ satisfaction with the life insurance industry, declined for the second year in a row, according to the latest South African Customer Satisfaction Index (SAcsi).

    Local life insurers were given a score of 75.7 out of 100, 2.7 points lower than the score recorded in 2014, which had also declined from the previous year.

    The survey involved a sample of 2,070 randomly selected customers of SA’s top life insurers by market share: Sanlam Life, Old Mutual, Momentum, Liberty Life, Discovery Life and Metropolitan Life and a category called ‘other’ which included smaller insurers.

    Sanlam and Momentum emerged as leaders with scores of 78.4 and 78.2 respectively, SAcsi said, while the scores of Old Mutual (77.5), Liberty Life (76.7), Discovery Life (74.8) and Metropolitan Life (74.0) were statistically on par with the industry average.

    Prof. Adré Schreuder, founder of the SAcsi and CEO of Consulta Research, says that Momentum Life was the only brand which showed an improvement (+1.2) from 2014, while Sanlam and Old Mutual maintained their scores.

    The greatest decline in customer satisfaction was recorded by clients of Discovery Life (-3.3), Metropolitan Life (-2.4) and Liberty Life (-1.8).

    “Interestingly, both Discovery Life and Liberty Life have embarked on intensive communication and marketing campaigns.

    It is not unusual to see drops in satisfaction and customer loyalty following acquisition drives; the downward shift in their scores may be as a result of a lag between the brand promises made since last year, versus actual customer experiences, said Schreuder.

    Customer expectations are higher in 2015 for Momentum, Old Mutual and Sanlam customers. Metropolitan Life clients have the lowest expectations, which Prof. Schreuder says is likely a factor of the lower income segments that form part of its portfolio.

    Although the overall perceived value score declined marginally in 2015, Metropolitan Life customers said they received good value, with a score that is 2.5 points higher than a year ago. Momentum and Old Mutual also had improved value scores.

    Perceived quality was higher for Metropolitan, Momentum and Old Mutual, whereas Discovery Life customers gave the brand a lower score than in 2014.

    SAcsi also tracks the well known Net Promoter Score (NPS), which describes the likelihood of customers recommending a particular life insurer.

    Although the overall score is 8% lower than last year, Old Mutual has the most promoters and the lowest detractors. Old Mutual and Sanlam customers were most likely to recommend these brands, said Prof. Schreuder.

    The international life insurance industry benchmark is set by the USA at 80 (83) out of 100. South Africa is currently at 75.7 and is often compared to countries like South Korea (74) and Singapore (66.1).




    TexasSure Vehicle Insurance Verification, texas vehicle insurance.

    #Texas #vehicle #insurance


    TexasSure Vehicle Insurance Verification

    SB 1187 (85th Legislature) – Changes to Transportation Code

    The Governor recently signed Senate Bill 1187, which amends language in the Transportation Code relating to financial responsibility verification.

    Texas law enforcement agencies may access the TexasSure program through the Texas Law Enforcement Telecommunication System (TLETS). The Texas vehicle registration inquiry forms (REG, RSDW, Master Query, and RQ) contain liability insurance information and allow users to choose the level of detail returned in the query response. Users may select either a routine or an extended response. Information on the financial responsibility verification program is on page 89 of the TLETS Manual. If you have further questions, please contact your department s TLETS contact at the Texas Department of Public Safety.

    SB 1187 amends Section 601.053(c) and Section 601.191 of the Transportation Code to state:

    SECTION 1. Section 601.053(c), Transportation Code, is amended to read as follows: (c) Subsection (b) does not apply if the peace officer determines through use of the verification program established under Subchapter N that financial responsibility has been established for the vehicle. A [If a] 1 peace [officer has access to the verification program, the] 1 officer may not issue a citation for an offense under [a violation of] 1 Section 601.191 [601.051] 1 unless the officer attempts to verify through the verification program that financial responsibility has been established for the vehicle and is unable to make that verification.

    SECTION 2. Section 601.191, Transportation Code, is amended by adding Subsection (e) to read as follows: (e) A citation issued for an offense under this section must include an affirmative indication that the peace officer was unable at the time of the alleged offense to verify financial responsibility for the vehicle through the verification program established under Subchapter N.

    1 Text within the brackets [ ] indicates the language that was removed by SB 1187.




    A-Affordable Insurance Agency, Inc, Affordable Car, Home and Auto Insurance Quotes, MA Insurance, High Risk Auto Insurance, DUI Insurance Massachusetts, Brockton, Framingham, Leominster, North Attleboro, Lawrence – A-Affordable Insurance Agency, auto insurance in massachusetts.

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    We can help! We work with many insurance carriers and can get you the policy that you need to get back on the road. We believe that accidents happen, and people learn from mistakes. Don’t let your driving history control your future – we can get you insured!.

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    Have you reviewed your Mass Homeowners Policy lately? Home Insurance from A-Affordable Insurance Agency, Inc. will provide your most valuable asset with financial protection should disaster strike. Combine your MA Auto Insurance and Homeowners Insurance and save even more! Contact us today to get started.

    Auto Insurance

    If you own a car in Massachusetts you are required to have car insurance. A-Affordable Insurance Agency, Inc. wants you to have the best Massachusetts Auto Insurance at the best price. Contact us for a free quote on MA Auto Insurance and start saving today!

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    To find more about our onsite registry service, call us NOW at 1-800-89-SAVES

    Welcome to A-Affordable Auto Insurance

    You need insurance to protect yourself, your loved ones and your property. But that shouldn’t mean you need to drain your bank account to get the coverage you need. At A-Affordable Insurance Agency, we help men, women and young adult in Massachusetts get the peace of mind they need without paying an arm and a leg to get it.

    Discount Auto Insurance

    Whether you want broad coverage for the best protection available or you just want what’s required by law to stay legal, our agents can help you select the insurance products that meet your needs, including helping you save money on costly Boston car insurance. We also help high-risk drivers – new drivers as well as those with bad driving records – get coverage at a cost they can afford. And if you’ve had your insurance canceled, our agents know how to find you a new policy that will offer you the protection you want. Need commercial drivers’ insurance? No problem. We have lots of experience finding the right insurance coverage for commercial drivers whose risk profiles may be more complex.

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    Auto Insurance Quote – Compare Cheap Car Insurance Quotes Online, auto insurance quote compare.

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    Auto Insurance Quote

    Affordable Auto Insurance From Names You Trust

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    Find the Best Online Car Insurance Quotes at AutoInsuranceQuote.com

    How do we do it? At AutoInsuranceQuote.com, we know that when you compare auto insurance rates from several different companies, you save. That is why we search the Internet meticulously for the most high quality policies and affordable car insurance quotes for you. We want to be sure our customers get the most value on the car insurance they select. In addition, we feel it is highly important to educate our users on the nuances of insurance so they make the most informed decision when selecting the best auto insurance quote.

    With your busy schedule, you don‘t have time to shop for days to find the most affordable car insurance. But, if you don‘t shop and compare online car insurance quotes, you could end up spending hundreds more per year, needlessly. At AutoInsuranceQuote.com, we make finding and comparing premier deals on online auto insurance quotes as simple and hassle free. By answering a few easy questions you will be well on your way to finding an auto insurance plan that is perfectly suited to your family‘s needs and budget. Our careful analysis and in-depth research makes finding affordable car insurance with AutoInsuranceQuote.com advantageous, not only to your pocketbook, but to your busy lifestyle.

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    Great Life Insurance, Cheap and Affordable Quotes, Rates and Policies, cheap term life insurance quotes.

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    Welcome to Great Life Insurance

    At Great Life Insurance Group we are dedicated to offering the information and tools you need to make informed decisions about your insurance needs and providing affordable quotes and cheap life insurance from top-rated companies for term, whole, and universal life policies and other insurance-related products.

    We understand that the world of insurance can be confusing to the average person which is why we’ve created this site. We want to make the process of purchasing insurance as convenient for you as possible.

    Term, Whole and Universal Life Insurance Products

    If you have loved ones that depend on you and your income for their livelihood then you should consider life insurance. Learn more about the various types of insurance options, the coverage you might need to ensure your family’s needs are met and review our list of leading life insurance companies. Find out how securing life insurance can be part of a sound financial plan and potential investment vehicle to meet your savings goals.

    Disability Insurance and Long-Term Care

    Most of us are in a position where we depend upon our paycheck to stay in our home, put food on the table and, well, just live. Your income is your most valuable asset and you must protect it. Disability insurance and long-term care insurance are designed to protect your income in the event that you are disabled due to illness or injury and require ongoing health care services. Learn more about these options and how you can protect you and your family from losing your income and covering the high costs of professional health care.

    Life Insurance Quotes to Meet Your Needs

    Insuring your most valuable asset—your income—is now more important than ever before. Get competitive life insurance policy quotes from industry-leading companies from across the country. Whether you’re looking for term life insurance or a form of permanent life insurance, we’ll help you to get the right coverage at the right price. Our goal is to provide you with helpful information and tools to decide what type of insurance is right for you and to make the process of obtaining a quote as easy and convenient as possible. Take a moment now and get your life insurance quote today.

    Featured Articles

    • February 15, 2014

    Cheap term life insurance quotes Cheap term life insurance quotes




    Life Insurance Rates: Compare Life Insurance Quotes, cheap term life insurance quote.

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    Life Insurance Rates

    We have made it easy to choose the right life insurance policy at the lowest price.

    Affordable Life Insurance Rates

    Join the countless satisfied customers that have found affordable life insurance policies by utilizing our completely free service. Instead of having to visit a life insurance agent in person or comparison shop across multiple websites, you now have the ability to compare life insurance rates from the comfort of your own home. Don’t wait any longer to find cheap life insurance. Within minutes you will receive life insurance rates from leading companies such as Gerber Life Insurance, MetLife, AIG Insurance, Prudential, and many more. Simply enter your zip code and get your free life insurance rates today!

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    So, now that you have found the ultimate resource that allows

    you to compare life insurance rates, what type of coverage do you need?

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    Cheap term life insurance quote

    Brian is a certified life insurance, estate planning and financial service specialist with over 15 years of experience.

    If you are one of the many consumers wondering if you are required to undergo a medical exam when applying for coverage, we have answers.

    Whole Life Insurance

    • “Provides Complete Protection”
    • Fixed premiums that offer stability
    • Tax-deferred cash value that will grow
    • Guaranteed death benefit payout
    • Ability to borrow against cash value
    • Coverage for your entire life if kept current

    Term Life Insurance

    • “Offers Affordable Coverage”
    • Least expensive form of life insurance
    • Easy to understand and manage policy
    • Complete coverage at a great low rate
    • Guaranteed death benefit for current plans
    • Flexible term lengths

    Universal Life

    • “The Flexible Payment Option”
    • Adjustable premiums for maximum flexibility
    • Guaranteed interest rate
    • Annually adjustable death benefit
    • Guaranteed monthly income option for beneficiaries
    • Policy can be maintained indefinitely

    Survivorship Life

    • “Protects Your Legacy”
    • Covers two people, commonly spouses
    • Control over estate and legacy
    • Beneficiaries receive full amount of policy tax-free
    • Also known as second to die life insurance or joint insurance
    • Intended for wealth preservation

    Cheap term life insurance quote

    Free Life Insurance Quotes in Minutes

    Your time is valuable. We have simplified our form to make it easy to complete within minutes. Once you have provided some basic contact information and medical details, you’ll receive life insurance quotes from a number of prestigious companies and can choose the premium that fits your budget. Buying life insurance is easier than ever before. Some life insurance companies require a basic medical exam, which can be completed at your home or office in a manner of minutes. You may even qualify for a streamlined non-exam plan from select providers.

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    The Importance of Life Insurance

    Life insurance is one of the most important decisions you can make to give you and your loved ones financial security and peace of mind. If you were to die prematurely, how would your mortgage or debts be paid off? What would replace your much-needed income? How would your children be able to attend college? Buying life insurance answers these lingering questions and can put an end to uncertainty. Even if you live a healthy lifestyle, life insurance is an essential component of planning your retirement.

    Once you submit the simple form, you can rest assured that our advanced matching process will put you in touch with reputable local agents who will help you find the best life insurance cost and a plan that meets your needs. If you have questions about life insurance claims or need to file a claim, our informative guides can help you. You may be wondering if a medical condition will affect your life insurance rates. The answer could be closer than you think. These guides also allow you to compare the different aspects of each life insurance policy and choose the best life insurance type for you and your family.

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    California Department of Insurance, ca state auto insurance.

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    20 Year Term Life Insurance – The Most Popular Term Life Plan, 20 year term life insurance rates.

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    20 year term life insurance ratesIt is common for young adults in their early twenties and thirties to put off looking into life insurance. They consider it something that they cannot afford and assume since they are in good health, it is not a priority. However, no matter how healthy someone is, accidents can happen at any time. Without life insurance to help make up missing income, families can quickly find themselves in financial trouble.

    The good news is that there is an excellent low cost option for young people just starting out: twenty year term life insurance. Unlike whole life insurance plans, term life covers a preset period of time, which is usually 10, 20 or 30 years. This allows monthly premium payments to be much lower than other life insurance policies, especially if the insured is in good health. The goal of term life insurance is quite simple: it is there to replace lost income.

    While this type of life insurance policy is easy to understand and extremely inexpensive, especially compared to other types of insurance, it is not for everyone. As with other kinds of insurance, the cost of monthly premiums is tied to the health of the insured. Therefore, people who are in their 20’s and 30’s are able to benefit from the lowest policy payments. Additionally, term life insurance only offers coverage for a set amount of time, unlike whole life insurance which is permanent and never expires.. The majority of people who chose this type of life insurance intend to be able to self insure after the end of the policy period.

    It is important to note that term life insurance is also not a viable option for estate planning or charitable giving, since there is no guarantee of a payout. Further, while it is an excellent option for the majority of families, people who have special needs children may want to consider full life insurance policies. Children with special needs may require funds to ensure that they are taken care of throughout their entire lives, and term life insurance may not be able to provide that.

    There are several advantages to choosing term life insurance over other types of insurance. To begin with, it is simple to understand and as mentioned, offers the lowest cost way to provide a high benefit payout to beneficiaries. People are guaranteed the same level premium rate for the duration of the policy, so they do not have to worry about costs increasing over time or due to health issues. Another advantage of using term life insurance is that the payout is income tax free.

    Further, while this type of life insurance is set to end when the term has completed, people still have the option of extending their insurance policy on a year by year basis. While people do not have to have another medical exam, their policy premium is based on their age. This is usually a much higher amount than what they were paying for their original policy agreement, but the option is still available. Typically the premiums go up around 50% once the term period expires, however some can be as much as 100% more to convert from 20 year into a permanent policy depending on your age. You can ask your agent to provide you average term life insurance quotes for individuals 20 years older than yourself to get an idea.

    When looking into term life insurance, there are two main options that people need to consider: the length of the term and the amount that they are insured for. Most people select term life insurance because they want to be sure that their children will be taken care of financially, should something happen to them. However, after 20 years, children should be able to support themselves, and this type of policy is no longer needed.

    The other thing that people should consider when looking at term life insurance is how much they want their payment to their beneficiaries to be. Since the goal is income replacement, choosing a high payout option is not always the best decision, especially since the chosen amount will not be paid out after the term ends. To figure out a realistic payout amount, people should take their yearly income and multiply that number by between 25 or 35. This will take into account for additional income over the years and also ensure that there is more than enough money for a family to live off of without sending monthly premiums through the roof. If you make around $100,000 of annual income per year you would want to purchase a life insurance policy with a face amount of 1 million dollars or more. This will replace your income for about for years.

    There are very few people that would not benefit from some form of life insurance, and no one can be sure what will happen to them from one day to the next. While full life insurance policies may be too expensive for many younger people, term life insurance offers people the ability to take care of their families for a low monthly premium. People can easily get a rate quote online to find out how much a term life insurance policy would cost them monthly. These quotes are free, look at pricing from a variety of insurers and only take a few minutes to complete.

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    20 year term life insurance rates




    Quality fresh internet Life Insurance Leads for Sale, term insurance leads.

    #Term #insurance #leads


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    Purchase Whole and Term Life Insurance Leads

    Equileads.com is a leading provider of affordable leads for insurance sales agents. We have built our reputation by selling only cheap, current, and complete data on prospective life insurance customers to our clients. If you are looking to make contact with an individual in the market for a new life policy, our website is the place to be!

    • Fresh Daily — Our system is updated everday with hot new life insurance prospects!
    • Convenient Cherry Pick System — Filter your search by state or region for efficiency!
    • Excel Downloads — Easily work with your purchased contacts in an excel spreadsheet!
    • Bogus Returns — No hassle money back guarantee if you don’t love your insurance prospects!
    • Free to Join and Browse — So what are you waiting for?

    We guarantee that the info we sell will direct you to people who are currently shopping for whole, term policies, and we will give you all the details you need to approach them with an accurate, relevant sales pitch. We don’t believe in wasting your time, or theirs!

    When you make first contact with a prospective client that you found through our service, you will be able to discuss their options regarding comprehensive savings and retirement related whole life policies which appeal to younger, financially secure, family-oriented individuals and seniors seniorlifeinsurance.net . Or, you can promote the benefits of term coverage to consumers who want to protect their loved ones from financial losses in the event of an untimely death. The data will sell will help you make a positive, prepared first impression.

    We also guarantee that our leads are fresh and not over-sold . In fact, once a lead has been purchased three times, it expires from our system, limiting competition and giving our buyers the maximum opportunity to earn business from their purchases.

    If you’re looking to make contact with life insurance shoppers today, check out our leads and start making calls. Whether you buy one lead, or one hundred leads, we promise to treat you as our #1 customer!

    We Sell Cheap Life Insurance Leads in All 50 States!

    Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming




    Car Insurance Laws – Nationwide, vehicle insurance laws.

    #Vehicle #insurance #laws


    Auto insurance laws by state

    Vehicle insurance laws

    Auto insurance laws vary from state to state, but all states require some type of car insurance or proof of financial responsibility. It may seem like an extra cost, but actually car insurance protects you, your family and your vehicle if you’re in an accident or if your vehicle is damaged.

    In general, state car insurance laws may require some level of the auto coverages listed below. For more information about car insurance policies state-by-state, visit our state auto insurance page.

    Bodily injury liability

    Liability Insurance covers injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy may also be covered when driving someone else’s car with their permission.

    Medical payments or personal injury protection (PIP)

    State car insurance laws typically require medical coverage that pays for the treatment of injuries to the driver and passengers of the policyholder’s car. PIP may cover medical payments, lost wages or other costs resulting from an accident.

    Property damage liability

    This auto insurance coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Besides vehicle damage, it can include damage to lamp posts, telephone poles, fences, buildings or other structures your car hits.

    Collision coverage

    This coverage protects you in the event your car is damaged in a crash with another vehicle or object, or in the event the vehicle flips over. Collision insurance may also cover damage caused by potholes in the road.

    Comprehensive coverage

    Comprehensive coverage reimburses you for loss due to theft or damage caused by something other than a collision – such as fire, falling objects, earthquakes, windstorms, hail, floods, vandalism or contact with animals. States actually don’t require you to purchase collision or comprehensive coverage. But if you have a car loan, your lender may insist you carry it until your loan is paid off.

    Uninsured and underinsured motorist coverage

    This coverage is to reimburse you, a member of your family or a designated driver for damages incurred if one of you is hit by an uninsured or hit-and-run driver.

    Underinsured motorist coverage comes into play when an at-fault driver doesn’t have enough insurance to pay for your total loss. This coverage may also protect you if you’re hit as a pedestrian.

    To make sure you’re meeting your state’s insurance law requirements, get an auto insurance quote or work with an insurance agent near you and make sure you have the right level of coverage.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.




    Commercial Auto and Truck Insurance from Titan Insurance, california commercial auto insurance.

    #California #commercial #auto #insurance


    Commercial Auto and Truck Insurance

    As a business owner, you want the commercial auto insurance coverage you need at a price you can afford. Titan offers commercial vehicle insurance in 17 states.*

    Keep your business rolling with commercial vehicle insurance

    You rely on your business vehicles to help keep you in business. Just one driver error that leads to an accident or breakdown could put you on the sidelines. Titan commercial vehicle insurance policies are specially designed for businesses that operate vehicles in a wide range of sizes and functions — from private passenger vehicles to 80,000 pound (Gross Vehicle Weight) commercial trucks. Titan also insures risks that may not qualify with many standard or preferred commercial insurance programs.

    Make sure your commercial cars and trucks are covered

    Protecting your business fleet is not quite like protecting your personal auto. You likely have more company vehicles you’re responsible for and they spend more time on the road. A Titan commercial vehicle insurance policy can help protect your rolling investment by covering:

    A Titan representative can give you more details and determine whether your business qualifies.

    Company car insurance coverage options

    Titan has the commercial vehicle coverage options you need. Talk to our expert insurance agents today about the best options for your business, including:

    • Body Injury/Property Damage Liability
    • Collision
    • Comprehensive
    • Uninsured/Underinsured Motorist Bodily Injury
    • Hired Auto Liability or Employer’s Non-ownership Liability protection

    Discounts on commercial vehicle insurance

    Find out if you qualify for discounts on your Titan commercial vehicle insurance policy, including our paid in full, years in business, multi-coverage or Commercial Drivers License (CDL) experience discounts.

    Contact Titan for a free commercial auto insurance quote today

    Because every business is different, Titan offers customized commercial auto and truck insurance to meet specific needs. To learn more about our commercial vehicle program and how we can help protect your business:

    *Titan’s Commercial Vehicle Insurance program is available in the following states: AL, AZ, CA, FL, GA, IN, MD, MO, OH, PA, SC, TN, TX, VA and WA.

    Availability of products, product discounts and coverage may vary by state.

    Make a Payment

    California commercial auto insurance




    Term Life Insurance Quotes Online – Instant – Private Quotes, instant insurance quote online.

    #Instant #insurance #quote #online


    Find the best life insurance rates, instantly.

    Term Life Insurance Quotes

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    10-year term life policy for less than $35 a month*

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    10-year term life policy for less than $21 a month*

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    Eddie, 42, $500,000

    15-year term life policy for less than $27 monthly*

    Instant Life Insurance Quotes Made Easy

    At Intramark Insurance, home of LifeInsure.com, our goal is to provide you with accurate instant life insurance quotes for highly-rated insurance companies.Our easy-to- use online quote engine allows you to compare term life insurance and universal life insurance quotes online instantly, without having to speak to an agent.

    However, if you do want to speak to a live professional, our licensed agents are available to answer your questions. The experts behind LifeInsure.com are licensed professionals who have more than 20 years of experience in the industry.

    GET INSTANT TERM QUOTES WITHOUT COMPROMISING YOUR PRIVACY

    Your privacy matters to us! Our instant life insurance quote tool is designed so that you are not required to divulge private, personal contact information in order to receive the quotes you are looking for. Other companies have quote engines that require your name, your contact information and other sensitive details before you can view the quotes. We don’t ask for that information unless you decide to apply for a policy.

    With honesty and integrity, we offer access to our database in a pressure-free manner. We will never sell or give your information to any other entity other than to those that require information for the application process. Only when you decide to apply for a policy will we ask for this information, as required as part of the life insurance application process.

    WE WORK FOR OUR CLIENTS – NOT FOR ONE INSURANCE COMPANY

    You’ll find that the information given with our life insurance quote tool is easy to understand, with quick and accurate details. Our system factors in criteria from insurance companies that underwriters use, so our quotes are the most accurate life insurance quotes available online.

    For tips, suggestions, and life insurance news, be sure to visit our Education Center. There, you’ll find valuable information that will help you understand life insurance options and help you to choose the best policies to suit your needs, your budget, and the needs of your family.

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    No Personal Information Required for Quote

    We don t ask for your personal contact information in order for you to have access to our database of life insurance quotes.

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    Accurate Quotes

    Our Health Analyzer factors in underwriter criteria from the insurance companies, so our quotes are the most accurate available.

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    Compare quotes from multiple companies within seconds.

    Recent Blog Post

    Buying Life Insurance for Grandchildren

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    One of the most rewarding roles in life is that of a grandparent. Often eager in showering their grandchildren with gifts of toys and clothes, grandparents can play an instrumental position in providing the gift of peace of mind and financial benefit throughout their grandchild’s life. Grandparents can choose to Continue reading Buying Life Insurance for Grandchildren

    Life Insurance Rates and the New Blood Pressure Guidelines

    Instant insurance quote online

    High blood pressure is a relatively common medical issue that affects approximately 32% of American adults, according to the Centers for Disease Control. However, recently the American Heart Association (AHA) and the American College of Cardiology revised the current blood pressure guidelines. According to the new guidelines, an individual is Continue reading Life Insurance Rates and the New Blood Pressure Guidelines

    Life Insurance for E-Cigarette Smokers

    Instant insurance quote online

    Life insurance premiums are not arbitrary and are greatly influenced by many factors in your life. During the application process, the company providing the life insurance will evaluate contributing factors such as occupation, age, weight, to name just a few. One of the most important factors that will be considered Continue reading Life Insurance for E-Cigarette Smokers




    Decreasing, Level or Annual Renewable Term Life, AccuTerm, annual renewable term life insurance quote.

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    Decreasing, Level and Annual Renewable Term Life: FAQs Answered

    If you need life insurance and are on a tight budget, Term Insurance is the least expensive and may fit your need. It will give you a large enough benefit to protect a mortgage, a growing family, or a business, and when you no longer need it, you can simply cancel it. You pay a low premium for a set period of time—the “Term,” and usually the policy allows you to include selected riders, such as spouse term, disability rider, child riders, and more. At the end of the Term, you will likely be able to convert the policy through the same company. It seems pretty simple, but there are different types of Term policies and even some things to avoid.

    Level Term Life is the most common type of Term Life. Your premium and face value remain unchanged for the duration of the Term. If you no longer need the insurance, you can simply stop paying and cancel the policy. There will be no refund because Term does not build cash value.

    Decreasing Term Life is commonly sold as Mortgage insurance, although you can convert a level Term to Decreasing, and, with some companies, can purchase Decreasing Term right from the start. The initial benefit will probably be higher than Level Term for the same premium, but over time the benefit gradually reduces. Your premium should remain unchanged. In the last years of the policy, the benefit will be very small. This type of policy is okay if your purpose is to cover a large debt which will be paid down at roughly the same rate as the decrease in the policy. Given the other options, many people do not want a policy that pays less as time goes on.

    This type of Term policy is often the result of converting a level term. Your benefit remains unchanged, but your premium will go up every year as you get older. Most people would not buy Annually Renewable initially, but if you have a Level Term about to expire and have health issues, Annual Renewable Term could be a way to maintain coverage.

    Modified Term Life Insurance is probably one type you want to avoid although numerous companies offer it as mail order Life Insurance. The word “modified” simply means that several features of the policy could change over time. The premium is the most common variable feature as it could increase periodically, often every time you enter a new five year age band. The benefit usually remains level, but it could be a “graded” Term. Graded policies are for people who are uninsurable; because there are few, or no health questions. The policy will return premium only for the first two or three years. If you need a graded policy, you might be better off with a whole life option.

    Accident policies are frequently offered by banks and credit unions as a “member” benefit. You may have a small policy simply as a feature of having an account, but the company will offer additional coverage for an additional price. Unless you have a high risk job and want an accident policy in addition to other life insurance you may have, you probably don’t want a policy that only pays if you die in an accident.

    Read before—and after—you buy! You can use our convenient site to learn more about our preselected companies and what they offer. But after making your purchase, read the policy, or ask your agent to go over the details. The most disappointing aspect of life insurance occurs when a loved one dies, and the policy isn’t what they thought it was.




    New York Life – Apply Now – Life Insurance up to $50, 000, term life insurance without exam.

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    For life’s simpler needs.

    Life insurance online in minutes.

    • Affordable term life insurance $10,000 to $50,000
    • No medical exam or lab work. just health and other information
    • It’s easy to apply by mail or complete your application online

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    instant term life quote.

    Thank you for your interest

    We’re Sorry

    An error has occurred, and we are unable to provide you with an online quote at this time.

    To get a quote by phone, please call New York Life at 1-800-361-1741.

    Monday – Friday 8 a.m. to 5 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).

    Designed for shorter term needs, term life provides life insurance protection for a specific period of time.

    Whole Life Insurance is

    coverage you can keep for a

    lifetime to help you protect

    your long term needs.

    Coverage that can last for life— up to $15,000 without answering any health questions or taking a medical exam.

    New York Life offers a range of coverage amounts and solutions including:
    • Coverage over $50,000
    • Retirement planning
    • Mortgage protection
    • Long term care insurance

    Monday – Friday 8 a.m. to 8 p.m. (ET) or Saturday 9 a.m. to 5 p.m. (ET)

    or click here for more information.

    Backed by the Strength of New York Life Insurance Company

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    A.M. Best, Fitch and Moody’s Investors Service Highest Rating. Standard and Poor’s Second-Highest Rating.

    Thank you for your request

    You can apply right now.

    Thank you for your request

    You can apply right now.

    Thank you for your interest

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    Includes details on costs, eligibility, renewability, limitations and exclusions.

    Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

    The licensed life insurance agent is Philip Cavan (Arkansas #300260, California #0F23862).

    Maine Residents: A buyer’s guide and policy summary are available upon request.

    2018 New York Life Insurance Company. All rights reserved.




    Insurance Leads – Group Health, Life, and Long Term Care Medical Insurance Lead Lists, term life insurance lead.

    #Term #life #insurance #lead


    Insurance Leads

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    Caldwell List Company has affordable insurance lead mailing lists, including group health , life insurance

    leads, and long term care medical insurance lead lists.

    Seasoned insurance professionals, as well as those new to the industry, are always searching for quality, productive . If you are in the insurance business be it health insurance, life insurance, long term care medical insurance, home insurance, or auto insurance you can generate targeted insurance sales leads with mailing lists from Caldwell List Company.

    As you search for online health or life , you may begin to notice that all insurance lead companies look alike. So why stop here?

    What makes Caldwell any different from all the other insurance lead providers?

    We are list brokers with access to data from the nation’s top list compilers. We have tested these mailing lists and utilize only the highest quality data available. And we know how to find medical or life that produce results.

    Health Insurance Leads and Life Insurance Leads

    Since many insurance agents are personally responsible for their own prospecting programs, you’ll be happy to know that Caldwell’s pricing is very reasonable. If you are looking for affordable , look no further than our mailing lists, where you will find the best selection of health insurance leads, life , group health, and medical .

    The financial industry (insurance, investments, mortgage) is one of our largest client groups. We have provided mail lists for thousands of satisfied insurance sales people, from individual agents to large insurance companies. After 35 years in the mailing list industry, we know which work best for specific types of insurance products.

    Our List Specialists have an average of 10 years in the list business. They have experience working with insurance agents providing insurance leads that produce sales.

    When you call Caldwell, you will be assigned an insurance lead List Specialist who will work with you on each order, ever-refining your marketing program to increase your sales and maximize your profits!

    Mailing lists and telemarketing lists are available for your area by zip code, city, county or larger area. And rest assured that our mailing lists have been suppressed against the National Do Not Call list.

    Insurance agents know that timing is one of the most influential buying factors. So order from the Major Life Event files: New Births, New Movers and New Homeowners. These consumers are involved in major changes in

    their household that affect their sense of responsibility, and insurance matters are at the forefront as these events unfold. Most Life Event lists are available whenever you wish to order them or on an on-going monthly basis. Other selects can be added such as: income, presence of children and many more. (See the Consumer Masterfile for all selections available.)

    Age is another important factor for . Reach Baby Boomers in your area for likely prospects for Long Term Care medical insurance. Order Seniors Turning 65 (listed by date of birth so you can contact them at just the right time) to sell Supplemental Health insurance.

    Find Seniors with spouses for Second to Die Policies, or market to Seniors Living With Adult Children.

    Use the Homeowners list for Property and Casualty . For this and many other types of insurance leads, simply add selections of your choice: families by income, presence of children, age of children and much more.

    There are many insurance lead lists available and even more ways to utilize the information on each record to create your most responsive prospects and insurance sales leads.

    And of course, all residential lists are updated monthly, checked against the National Change of Address (NCOA) file and CASS certified for address verification.

    Let us show you what we can do for your Insurance Lead program.

    Term life insurance lead

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    Automobile Insurance Plans – High-Risk Drivers, ny automobile insurance plan.

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    Automobile Insurance Plans and High Risk Drivers

    High-risk drivers may find it difficult to find a company willing to provide them with car insurance coverage. This is because auto insurance companies are allowed to refuse car insurance to drivers they feel are too risky to cover.

    Fortunately for these high-risk drivers, most states have an automobile insurance plan or assigned-risk insurance plan that can help them get the car insurance coverage they need.

    What Is an Automobile Insurance Plan?

    Most states mandate a minimum amount of auto insurance; therefore, there needs to be an option for drivers to get car insurance coverage in the event that they are denied by providers in the standard market.

    Automobile insurance plans were designed for this reason. Through this type of plan, the risk of covering a “high-risk driver” is shared amongst all participating car insurance companies.

    States that have an automobile insurance plan typically require all auto insurance companies that do business in that state to participate in the plan.

    What Is Assigned Risk?

    Like automobile insurance plans, assigned risk plans are state-run plans meant to help high-risk drivers meet their state’s car insurance requirements.

    Typically, car insurance companies that do business in a state with an assigned risk plan must participate in the program.

    Drivers who apply to the assigned risk plan will be assigned to one of the companies within the plan.

    How to Apply?

    Through an Agent

    In most cases, you can apply to your state’s automobile insurance plan or assigned risk plan through your auto insurance agent.

    If you are considering applying for this type of plan, ask your agent to begin the application process for you.

    Through Your State’s Insurance Department

    In some cases, you can apply to an automobile insurance plan or assigned risk plan by directly contacting your state’s Department of Insurance.

    Some states require that you apply to several car insurance companies before you apply for the state’s car insurance plan. If each provider has denied you car insurance coverage, you’ll be accepted into the plan. Typically, your signature on the application is enough to acknowledge that you have fulfilled this requirement.

    Costs of an Automobile Insurance Plan

    Car insurance rates are always difficult to predict, as many factors go into determining what you’ll pay for your car insurance coverage.

    However, because these programs are meant for high-risk drivers, the rates are likely to be much higher in comparison to standard car insurance premiums.

    Shop Around

    Because rates for car insurance through a state plan are considerably higher than standard rates, you should consider a state plan a last resort.

    While one car insurance company may reject you, it does not mean that all car insurance companies will. Some companies even specialize in high-risk car insurance.

    Get multiple car insurance quotes when shopping. This can be simple to do, as several companies offer free car insurance quotes online. If, after contacting several companies, you still can’t find one willing to provide you car insurance coverage, you may need to apply to a state-offered plan.




    Limo, Livery, Taxi Insurance in Los Angeles California – Casurance Agency Insurance Services, LLC, commercial auto insurance california.

    #Commercial #auto #insurance #california


    Los Angeles, California Limo Insurance

    Commercial auto insurance california

    Commercial auto insurance california

    Casurance your Los Angeles Local Insurance Agency can insure any vehicle range or any fleet size. Whether your vehicle is a Sedan (car), Limousine Stretch, SUV Class or Limousine Bus Shuttle, CaSurance agency will be able to provide you with a customized competitive quote for the right coverage. San Francisco Limousine Insurance, Los Angeles Limousine Insurance, San Diego Limousine Insurance.

    We Are A Member of The Greater California Livery Association (GCLA)

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    We Can Provide you a quote in most cases in 24 hour for smaller fleets, larger fleets will take some time due the size and coverage options.

    Casurance specializes in providing quality and affordable insurance without sacrificing coverages that you may need. We Stand by the companies we represent by offering the best solutions possible and the best customer service possible. Casurance Insurance Service representatives are here to help!

    Types of Insurance Provided:

    • Taxi insurance
    • Limousines insurance
    • Shuttles insurance
    • Tour Bus insurance
    • Trucks insurance
    • School Buses insurance
    • Ambulance insurance
    • Sedan insurance and more.

    Commercial auto insurance california

    Commercial auto insurance california?

    Limousine Coverage at a Glance

    • Liability insurance limits are 750,000 or 1,000,000 or 1,500,000 or 5,000,000 Combined Single Limit
    • Medical Payments 5,000 or 10,000
    • Personal Injury Protection (PIP) where applicable
    • Uninsured/Underinsured Motorists up to 1 million for some companies
    • Physical Damage
    • Roadside Coverage subject to an aggregate of $300.00 per covered auto per policy period to include Airport Limos and Luxury Sedans.
    • Windshield Replacement covered at a $100 deductible regardless of the comprehensive deductible.
    • Windshield chip repair without application of the comprehensive deductible.
    • Automobile Liability
    • General Liability
    • Physical Damage
    • Garage Liability
    • Workers Compensation
    • Excess Liability Available with limits up to $20,000,000
    • Cyber Liability

    Commercial auto insurance california

    • Extended Cargo Insurance for parcels being delivered for a fee
    • Hired Auto
    • Financed Value Coverage
    • Lease-Loan Downtime Coverage

    Although we are pleased to consider any limousine operation, we believe the insurance we offer is best suited for companies with the following characteristics:

    • Drivers age 25 and older with 3 years or more experience
    • No driver with MVR showing a major violation
    • Not more than three moving violations
    • Not more than one at-fault accident (An accident will count as a minor violation)
    • Safety and vehicle maintenance program
    • Late model luxury sedans, luxury buses, and limousines stretched to 120 inches
    • Majority of trips pre-arranged
    • “Professionally attired” Drivers

    Carriers We have Partnered Wit

    We have Partnered up with Carriers Such as Zurich Insurance, Northland Insurance, Scottsdale Insurance, National Indemnity Insurance, National Interstate, Philadelphia Insurance Company a Tokio Marine Co, Alano Insurance, Gateway Insurance, Global Liberty for New Ventures with no experience.

    Our Sweet Spots have been fleets with 5 units or more. We still have competitive rates for smaller fleets.

    Key Benefits Auto Liability • $1.5M Combined Single Limit • Uninsured/Underinsured Motorist • Personal Injury protection where required by law Auto Physical Damage • Comprehensive • Collision Automobile • Owned/non-owned/hired auto • Hired car physical damage including loss of use • Zero deductible glass • Single deductible on comprehensive physical damage (per occurrence) • Lease Gap coverage • Towing • Electronic equipment

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    We Are A Member of The Greater California Livery Association (GCLA) ?

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