NY Business Insurance – New York Small Business Insurance, Hiscox, business insurance

New York Business Insurance

Get an instant, free quote and buy online

As small business insurance specialists we understand that every business is different, which is why we don’t offer one-size-fits-all solutions. We customize our small business insurance policies for New York business owners to fit the risks your company faces so you can get the right coverage, right now.

All small business owners should consider protecting their business with the right small business insurance. Hiscox small business insurance offers:

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Bodily injury: A client trips over their personal trainers workout bag during their training session and breaks their ankle. A general liability insurance policy could cover the claim for medical expenses up to the policy limits.
  • Property damage: A tax preparer gets contracted to do a major corporation’s taxes on site. While setting up the tax preparer spills his tea over the corporation’s server causing irreparable damage. A general liability policy could cover the claim, up to policy limits.
  • Personal injury: An consultant within a public relations company is overheard talking about one of the company’s top client’s in a rude and unflattering way. The client hears about what was said and sues the company for slander. General liability insurance could cover the subsequent claim, up to general liability policy limits.

Professional liability insurance, also known as errors and omissions insurance (E O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • Dissatisfied client: A marketing consultant is working for a client who continually changes the scope of the project. When the consultant is not able to meet the original deadline for the expanded project, the client sues. Even if you haven’t made a mistake, professional liability insurance coverage could cover the cost of defending you up to policy limits.
  • Negligence: An investment consultant advises a client to invest in a start-up company that goes bankrupt in a year. It is later discovered that the consultant did not thoroughly research the company before advising the client to invest, and the client sues. A professional liability insurance policy could protect the consultant, including defense costs, up to policy limits.

Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

  • Office insurance for fire and business interruption.
  • Electronic data loss insurance.
  • Hired or non-owned vehicle liability insurance.
  • Commercial crime insurance to cover the dishonesty of your employees.

Hiscox now offers state mandated workers compensation insurance to ensure that injured workers receive prompt and fair compensation for job-related injuries and diseases. In most states, laws require you to pay for an injured worker’s medical care, lost wages, and death benefits. A Hiscox Workers Compensation Insurance policy must be purchased with another Hiscox business insurance policy. To get a free quote, call us at 1-855-743-2308 and speak to a licensed insurance agent, Mon-Fri 8am-10pm ET.

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Business Insurance

Protect yourself and your business against claims for negligent acts, which cause personal injury and/or property damage to others with Public Liability Insurance.

As a tradesperson you do a lot to protect yourself at work. Don’t forget to protect your business too. Our Business Insurance has the cover to do just that.

Are you a doctor, lawyer, accountant, architect, real estate agent or other type of professional service provider? Our Business Insurance has the cover to protect your business.

Business insurance quote

Other products we offer

Hobby Rural Farm

Save up to $75 when you buy Hobby Farm Insurance online.

Whether you’re a grazier, grower, dairy farmer or have a hobby farm, our Farm Insurance has the cover to protect your farm.


Save up to $75 when you buy online.

Are you retailing goods or services? Our Business Insurance has the cover to protect your business.

Property Owners

Protecting Commercial properties you own now and for the future is easy. Our Business Insurance has the cover to protect your business.


Save up to $75 when you buy online.

You have a passion for making great coffee and creating amazing meals. Our Business Insurance has the cover to protect your business.

Motor Trades

Motor Trade Insurance is here to help mechanics, panel beaters, detailers and more. Get a quote from NRMA Insurance online

Domestic Services Repairs

Save up to $75 when you buy online.

If you provide services such as the local handyman, domestic cleaner, pet groomer, dressmaker or the like, our Business Insurance has the cover to protect your business.

Health Medical Services

Save up to $75 when you buy online.

Are you a doctor, veterinarian, dietician, osteopath, or offer a type of health or medical service? Our Business Insurance has the cover to protect your business.

Home Business

Nowadays more and more people are discovering the joy of working from home. Make sure you have the correct level of cover to protect yourself and your business.

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Shannon is a builder who transforms interiors. He shares the opportunities and challenges that have come with running his own business.

Business insurance quote

Vicki is a chef and passionate about food. She talks about what she’s learnt about business since starting her own catering company.

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Sevi is a florist who always wanted to have her own business. She explains about how long hours, finding great staff and having good insurance have helped her to success.

Download our free NRMA app

NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT TAS. Get your insurance quotes today. For insurance in other states and territories visit SGIO in WA or SGIC in SA. NRMA Insurance is part of the Insurance Australia Group. Business address 388 George St Sydney, NSW (This address is unable to assist with enquiries) for any question or queries please contact us.

*National Roads and Motorists’ Association Limited ABN 77 000 010 506 (the NRMA) is a separate independent company from NRMA Insurance.

For more information about our products visit our sitemap. Insurance (except Travel insurance and Income Protection) issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about our insurance policies you should consider the applicable Product Disclosure Statement.

The Loyalty Discount replaces our previous discount structure, and applies to new eligible policies which commence on or after 16 March 2014, and renewing eligible policies which commence on or after 28 April 2014. For more details, please refer to the Premium, Excess Discounts Guide.

Visit our online terms and privacy security statement | Visit Money Smart for financial guidance from ASIC to help you make informed choices.

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Business insurance

Compare business insurance quotes and find commercial cover with Simply Business [1]

  • Compare quotes from the likes of Axa, Zurich, Hiscox, Groupama, Brit and more
  • Cover for public and employers’ liability, buildings, contents, tools and equipment
  • A UK-based contact centre to answer all your business insurance questions

Business insurance quote

What should I look for with business liability insurance?

Is your business protected with employers’ liability cover?

What does public liability insurance cover?

How much does liability insurance cost?

How long does liability insurance offer protection for?

Does your car insurance cover your business usage?

We’ve teamed up with Simply Business [1] to find business insurance policies that are as diverse and specialist as your company, big or small.

Get informed

  • Looking for public liability insurance for your business?
  • Read more guides and tips in the Business insurance briefcase

Pin down a policy today, and give yourself more time to get down to business.

What’s business insurance?

Business insurance includes cover that protects you and your company from financial damages andbuilding or contents losses, relevant to your field or specialism.

Broadly speaking, the most popular business insurance policies include public liability, professional indemnity and employers’ liability, with good reason:

Public liability insurance

Hell hath no fury like a scorned member of the public, especially when it comes to claims.

Public liability insurance protects you if you damage their property, if they have an accident on your premises, or if you provide any advice or service (that doesn’t pan out) for a fee.

Professional indemnity insurance

If one of your customers sues you because you’ve damaged their property, or they claim you haven’t fulfilled your duties, professional indemnity insurance to the rescue to cover your legal fees.

Employers’ liability

It’ll cover the cost of the compensation plus legal fees if an employee sues you if they’re injured, or they contract a disease at work.

But different policies will include all sorts of other cover, and you can make your policy suit the nuances of your business – fancy, eh?

You can read all about more specialist business insurance in our guides and tips filed away in the Business insurance briefcase.

Company insurance comparison

Business notes

  • Employers’ liability insurance is compulsory for businesses that have one or more employees
  • Glass and shutters insurance can cover replacement following accidental or malicious damage

To compare business insurance for your company, you’ll need details about your business and the level of cover you want. That includes public or product liability insurance, professional indemnity cover, buildings insurance, revenue protection or business interruption cover, protection for your business and office equipment and stock.

Start your business insurance quote

Have to hand info about claims made by your firm in the last five years, or any pending.

Depending on the sort of cover you choose, you may also be asked for some more detailed info about your company and its work.

You’ll then either be presented with your quotes online, or – if your circumstances don’t allow for an instant quote – your details will be passed on to an insurance specialist to look at.

Need to know more about business insurance?

Simply Business has insurance specialists on hand in the UK to chat through any questions you have, so don’t be nervous – give them a call if you’re unsure.

But, we’ve also got heaps of guides, tips and factoids stowed away in our Business insurance briefcase to help you with any quandaries – we’re straightforward, so you won’t find buzzwords or marketing jargon here.

The guides help you with your first steps, such as sensible levels of cover, business contents insurance, business buildings insurance, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

We unpick the technical cover, too. Watch out for guides to liability insurance, professional indemnity insurance and employers’ liability insurance.

Plus, check out info about goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

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    Business insurance quote

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    Up to 20% Savings. Policy in Minutes.

    Business Insurance by Warren Buffett’s Berkshire Hathaway Insurance Group.

    General Liability Insurance

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    Why Choose biBERK

    Our Products

    General Liability Insurance

    • Protection from covered claims and suits
    • Provides investigation and defense against claims
    • Pays for physical injuries, property damage, and other costs

    Learn more.

    Workers’ Compensation Insurance

    • Mandatory for almost all businesses
    • Covers employees injured at work
    • Takes care of medical bills & lost wages

    Learn more.

    General Liability Property (BOP)

    • Protects your business property and lost income
    • Offers General Liability (GL) protection if your business is sued
    • Contains other coverages customized for your business
    • Business Owner’s Policy (BOP)

    Learn more.

    Commercial Auto Insurance

    • Covers a variety of company-owned vehicles
    • Provides coverage for:
      • Medical costs of the driver, passengers & people in the other car
      • Vehicle repair costs
      • Lawyer fees, settlements & judgments if you’re sued

    Learn more.

    “The site was easy to navigate, it took very little time to answer the questions, and I had my quote within a few minutes instead of days.”

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    2017 Berkshire Hathaway Direct Insurance Company

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    Compare Public Liability Insurance – MoneySuperMarket, business insurance quote.#Business #insurance #quote

    Public Liability Insurance

    Public liability insurance provides protection for small

    businesses and the self-employed. Compare quotes

    today from leading insurers and buy online in minutes

    What is public liability insurance?

    If you are running a business, public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It will cover legal costs and any compensation claims if your business is found to be at fault.

    What does public liability insurance cover?

    For injuries to a third party or damage to their property, whether an incident takes place on your business premises, a customer’s premises or elsewhere.

    Should a claim be made against you, cover will be provided to help you cover the cost of any legal proceedings.

    The cost of repairing damage (for example, to a client’s carpets if you are a plumber and do something in the course of your work which causes a flood).

    The cost of hospital treatment (including the cost of calling out an ambulance), if the NHS chooses to claim against you.

    Read our public liability FAQs page for information on what’s not covered.

    Business insurance quote

    Business insurance quote

    Do I need public liability insurance?

    Unlike employers’ liability insurance, public liability insurance is not a legal requirement. However, it is considered an essential among business owners, and in some professions you may find it impossible to trade without it.

    Compare public liability insurance quotes from UK insurers such as:

    Business insurance quote

    Business Insurance Guides

    What does public liability cover

    Our guide to what public liability insurance covers

    What is public liability insurance

    Public liability insurance is one of the main types of business insurance

    How much public liability cover do I need

    How much public liability cover you need will depend on the work you do

    Who needs public liability insurance

    Finding the right cover for a self employed business

    Business Insurance Options

    Public liability FAQs

    We ve answered some of your frequently asked questions

    Public liability glossary

    Commonly used terms acronyms explained

    How much is public liability insurance

    How much your public liability insurance costs

    Business insurance

    Get cheap business insurance quotes today

    Professional indemnity insurance

    Find the right professional indemnity cover

    Business building insurance

    Compare business building insurance cover

    Public liability insurance will not cover:

    • Accidents that happen to you.
    • Damage to your own property or accidents that affect your employees or their possessions.
    • Incidents like these should be covered under your generalbusiness insurancepolicy and / or your employers’ liability insurance policy, which is a legal requirement.

    What else do I need to know about public liability insurance?

    First and foremost, it’s important to note that the complete cost of any claim you need to make under public liability cover is unlikely to be met by your insurer. You are likely to have to pay an excess at a level agreed when you first set up your policy – for example, the first £250 or £500 of any claim.

    As a general rule of thumb, if you opt for a higher excess the price of your public liability insurance premium may come down – but it’s important to be sure you could genuinely afford to pay the excess in the event of a crisis.

    How can I compare public liability insurance deals?

    As with any form of insurance, it’s important to compare a variety of public liability insurance policies from different providers before buying. Check the levels of protection on offer as well as the annual premiums, and consider carefully where you should set your excess.

    MoneySuperMarket’s public liability insurance comparison channel will help you gather a selection of quotes within minutes, to help you find the best deal for you.

    Do I need public liability insurance?

    We’ve teamed up with Simply Business to help you compare a range of quotes from leading insurers. It’s quick and easy to complete a quote and you can buy a policy online in minutes.

    Business Insurance – Small Business Insurance: Farmers Insurance, business insurance quote.#Business #insurance


    Personalized coverage. Personalized service.

    Find your industry

    Farmers Business Insurance

    Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

    • Research business insurance options by coverage type and industry type.
    • Understand the value Farmers agents and claims representatives add to your experience.
    • Get answers to questions that are often asked by small business owners like you.

      Our goal here is simple: To equip you with information so you can choose the coverage you want for your business.

      Browse coverage types

      Business owners have told us they like the customizable policies Farmers offers — and these are the major components in your robust menu of business insurance options.

      Property – Coverage for risks related to your business’s building, property, inventory or income.

      Liability – Coverage for risks ranging from customer injuries to wrongful termination.

      Crime – Coverage against money and securities theft committed by employees or third parties.

      Auto – Coverage for vehicles you own, lease or rent for business use.

      Workers’ Compensation – Assistance for employees if an injury or illness occurs on the job.

      Umbrella – Additional liability coverage that supplements an underlying policy.

      Life – Coverage that can help attract and retain employees, and prepare for business succession.

      Loss Control – Services that help you increase on-the-job safety and efficiency.

      Additional business insurance options to consider

      You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.

      Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.

      Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

      Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

      Education and Non-Profit – For organizations including museums, schools and civic groups.

      Home and Building Service – For independent contractors such as plumbers, electricians, landscapers and painters.

      Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.

      Hospitality – For the owners of hotels, motels and bed and breakfasts.

      Manufacturing – For companies that manufacture products of virtually any type.

      Office – For the offices of independent professionals such as doctors, lawyers and consultants.

      Religious Organization – For churches, synagogues, mosques, temples and other types of religious organizations.

      Restaurant and Food Truck – For owners of food trucks and quick service, casual and fine dining restaurants.

      Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

      Wholesale – For businesses that provide wholesale goods and services to retail industries.

      Why choose Farmers?

      We’ve spent almost 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

      The value of a Farmers agent

      Are you shopping for coverage? Ready to get a business insurance quote? Maybe you have a question about a policy or need to file a claim. Our agents are ready to provide service and support.

      The ease of a Farmers claim

      You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

      The experience of Farmers insights

      You’ll probably have a few questions as you research insurance coverage for your small business. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore an archive of helpful information here.

      *Subject to policy terms, conditions, limits, and exclusions

      This brief summary is for illustrative purposes only and is not a policy document. Please read the actual policy documents for

      your state for important details on coverages, exclusions, limits, conditions and terms. If there is a conflict between this summary and the policy documents, the policy documents will control. Not all products, coverages, options and discounts are available in every state.

    Florida Homeowners Insurance Quote, Get online home insurance, home owners insurance quote


    Florida Homeowners Insurance

    Review at least five Florida homeowners insurance quotes before purchasing a new policy. Consumers like yourself should be comparing many plans side-by-side to find the best rate in the marketplace. This is an important part of the buying process because it gives you the chance to see what is available and what coverage would be in your best interest. A common mistake is only reviewing one or two home insurance quotes before buying. Don’t let this happen to you. Call 1-800-554-9142 to speak with a specialist or click here for an online quote today!

    Many insurers offer cheap homeowners insurance in Florida. Many offer a variety of discounts if you purchase more than one type of coverage from that same carrier. An example, might show that you are able to obtain home insurance if you also buy their auto insurance policies. You might see a savings close to 15 percent in some instances. This strategy has worked with many of the captive insurers in the market, but now that some carriers cannot offer multiple products the multi line discount is out the door. It is very important to remember that many popular insurance carriers in Florida do not offer auto insurance, and only write property insurance contracts, so it would be nearly impossible to obtain a multi-line discount with that type of homeowner’s insurance company. Make sure you have a homeowners consultant review your program to ensure you maximize the other discounts available.

    When analyzing various homeowners insurance companies in Florida, one of the most important considerations will be the number of quotes obtained. Because of the current climate within the homeowner’s insurance market, it is necessary to turn over every stone when searching for the best possible deal. Do not make the mistake of getting only one or two quotes to compare against each other. The unusual market conditions have caused vast disparities to form from one home insurance company to another. This can work to the advantage of the consumer only when due diligence is practiced. When considering options for homeowner’s insurance, a policyholder must consider all of their needs part of this process involves reviewing as many quotes as possible to ascertain all of the possible coverage options and the price points associated with them. Affordable insurance is available through many different insurers in Florida. Within each insurer’s quote, many opportunities may exist to receive discounts that can make your coverage even more affordable. The most common discount available through insurers is commonly referred to as a multi-line discount. People who purchase homeowner’s insurance and automobile insurance through the same carrier will often qualify for this type of discount, which could be as much as 15 percent. This discount is only available to carriers that are able to write auto and homeowner’s insurance. Several carriers within the state specialize in property insurance or in homeowner’s, insurance so a multi-line discount would not be available from such a company. This does not mean such a company will not have discounts available however. Some experts suggest that industry wide there are literally hundreds of discounts of various types available through insurance companies so be sure to ask each carrier you deal with whether you are considered for all the available discounts.

    For instance, when you hire an independent broker he will compile a group of quotes and available options for you to review. From there you should look over each quote, see the pros and cons, and make a final determination on how and what to buy. Why would you buy a new policy without shopping around? This could lead to a policy that you simply don’t like. When you review as many quotes as possible you are putting yourself in the good position of getting pretty much the best coverage for your budget. All in all, make sure you see as many home insurance quotes as you can before deciding to buy a policy. This will give you the chance to review a variety of options, and hopefully decide on the one policy that will really suit your every need. Our experienced, licensed agents provide the important information you need to make the right decisions for yourself and your loved ones.

    Getting affordable Florida house insurance quotes from the comfort of your own home is the future. Shopping for homeowners insurance is now easier than ever with the power of the World Wide Web. For those who do not want to go through the trouble of all the necessary research, a broker is the answer. An insurance broker specializing in insurance is an educated, licensed professional that will work on your behalf to find the best coverage at the best possible price. A professional will gather many quotes from many carriers and the search will be conducted with your best interests in mind. Since brokers deal with many insurance companies on a regular basis, they are often able to obtain quote information quickly and accurately. Once all quotes have been obtained, they will be presented to you the insurance customer. When they are presented, a professional insurance broker will describe the merits of each quote and make recommendations to aid in your decision making process. Ultimately, the use of an insurance agency or broker will make your life easier and you will reap the savings that can be achieved. through the process. It is important to find an experienced, licensed broker that will gather many quotes. The underlying theory is that more quotes will yield better results. This will take some work on the part of the broker so you will want to make sure that yours is fully dedicated to your interests.

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    Motorcycle Insurance Minneapolis Minnesota

    Why do you need insurance for your motorcycle?

    You’ll enjoy being out on the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

    • If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
    • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
    • If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
    • Your motorcycle may be one of your most prized possessions. It deserves special protection.

    Things to consider and questions to ask your agent

    Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

    • How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
    • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
    • How much medical and liability coverage should I have?
    • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
    • What’s the process for filing and settling a claim?

    Tips for the cost-conscious rider

    Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

    • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
    • Maintaining a good driving record with no violations will also help reduce your premiums.
    • In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
    • Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
    • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

    The mandatory liability insurance law in Minneapolis Minnesota states that there are minimum requirements for liability insurance on a vehicle when it is registered to be on the road. The minimum liability requirements are:

    • $30,000 for death or bodily injury per person.
    • $60,000 for death or bodily injury per accident.
    • $10,000 for property damage.

    We can make sure you have the required liability coverage to get your motorcycle on the road today. Probably the best part about shopping with InsuranceTrak is that you can get online auto insurance quotes Minneapolis Minnesota right from our website! Simply complete the form at the top of this page to get started. You’ll receive instant insurance quotes for auto insurance returned directly to your screen on our website! If you’d rather speak to a human being, no problem. You can call us anytime at 585-282-0934 to get a quote.

    Below are some cities in which we cover insurance:

    Helpful Information for Minneapolis Minnesota Motorcyclists

    InsuranceTrak is here to serve all your personal insurance needs!

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    Get the Best Car Insurance Rates

    Get the Best Car Insurance Rates

    Everyone knows you should carefully shop around when buying a car, but all too many drivers neglect to purchase insurance with the same level of care. Failing to thoroughly comparison-shop can leave you paying more than you need to for coverage, and far from getting the best car insurance coverage for your needs.

    Below are tips to help you seek out the best insurance coverage at the lowest rate.

    What Is Good Car Insurance?

    Getting cheap car insurance does not necessarily mean you bought the right type or amount of coverage.

    Having “good coverage” means you don’t find yourself paying significant amounts of money out of pocket after an accident.

    When you have found the right insurance provider:

    • You’ll feel assured that you’ll be able to handle the financial costs after an accident.
    • You’ll feel comfortable knowing you’re not overpaying for your car insurance.

    Comparison-shopping for car insurance can help you make sure you’ve picked the right insurance coverage.

    Deciding on the Best Insurance Coverage

    You need car insurance to comply with state laws, to satisfy your lender or leaseholder, and to protect your assets.

    Each state has different financial responsibility laws that dictate the least amount of insurance you must have. However, unless you have very few assets, the smallest amount of insurance is most likely not enough coverage. Talk to your insurance company about how much coverage and what types of optional insurance coverages might be right for you. These typically include:

    • Comprehensive.
    • Collision.
    • Medical payments.
    • Uninsured/underinsured motorist.
    • GAP coverage.
    • Towing and labor.
    • Rental reimbursement.

    NOTE . If you have a loan or lease on your car, it will typically come with coverage requirements. Be sure you understand these when reviewing your loan/lease agreement.

    For more information on what your state requires, please visit our section on state car insurance requirements.

    What if I Have a Loan?

    While commonly believed, it is actually a myth that your car insurance will pay off your loan if your car is totaled. In reality, it will pay the fair market value.

    The fair market value, or actual cash value, is the sales price minus depreciation. A car depreciates at a surprisingly rapid rate. In fact, just driving a car off the lot after purchase decreases its value by an average of 10%. During the first 5 years, the car’s value depreciates by an average of 15% to 25% every year.

    In the event of a serious car accident, you can be left with substantial costs due to normal depreciation. This is where GAP and loan/lease coverage come in.

    To protect yourself from having to pay a loan on a car that no longer functions, you can purchase either:

    • Guaranteed Auto Protection (GAP) insurance – Covers the difference between your insurance payout and what you still owe on your car loan after insurance pays, without any maximum limits.
    • Loan/lease payments coverage – Also covers the gap between what you owe on the car and its current value, but only covers a percentage of your car’s actual cash value in the event of a total loss. This might not be enough to cover the gap between your loan and the cash value.

    Shopping Smart


    Like most consumer purchases, different insurance companies charge different premiums for the same insurance coverage. However, all car insurance companies do not give the same level of service or share the same rankings.

    Insurance companies are given a Best Insurance Ranking provided by the A. M. Best Company. Since 1899, the A.M. Best Company has provided ratings of insurance companies based on their financial stability. The stronger the rating, the more likely the company is able to pay if you file a claim.

    Rankings range from AAA down to D.

    Sales Methods

    Insurance companies use one of three methods to sell their policies.

    1. Exclusive agents. These agents only sell the products of a single insurance carrier.
    2. Independent agents. These agents represent many companies and can give you multiple quotes on car insurance to compare.
    3. Direct market. Sales are usually with one company and completed over the Internet, phone, or by mail.

    All three sales methods have their merits. The most important thing is to get multiple quotes from the insurance companies you feel most comfortable comparing, as insurance rates can fluctuate widely from insurance carrier to insurance carrier.

    What to Notice

    When you compare car insurance companies, you should pay close attention to the following:

    • The premium. This is the monthly cost for your car insurance.
    • Applicable discounts .
      • One company may offer you discounts that others did not.
      • Ask each insurance company you speak with about car insurance discounts for which you may qualify.
    • A. M. Best Rating. This rating indicates the financial strength of an insurance company and their likelihood of paying on your claim.
    • Customer service.
      • Most state insurance departments have lists of complaints against insurance companies. These complaints are frequently referred to as “valid complaints.”
      • The higher the number of complaints or the complaint ratio, the higher the likelihood of the company violating a policy, contract, or statute.

    Doing your research when shopping for car insurance quotes can ensure you get the best rates, great coverage, and stellar customer service. In contrast, neglecting to comparison-shop can leave you with a policy that does little for you in the long run and can hurt financially if you get into an accident. Informed consumers always get the best deal.

    Was this information helpful?

    EZTrading Club: FREE Paper Trading Online #historical,free #paper #trading, #stock, #quotes,download,quote, #stocks,


    EZQuote allows you to retrieve recent and historical end-of-day quotes for virtually any stock, index, mutual fund or ETF publicly traded in the USA or other world markets. The data can be stored in MetaStock or ASCII format and can be easily analyzed using any charting software package.

    By default, the data is downloaded and saved in MetaStock format. Therefore, you do not need to waste your time converting data. Download quotes and analyze data right away using your MetaStock software. EZQuote supports MetaStock versions 7, 8, 9 and 10.

    It has been said that the market is a zero sum game. It is not exactly so if you take into account your transaction fees, the cost of market data, the cost of the charting software you are using, the cost of advice services or newsletter subscriptions you maybe buying, etc.

    At EZTradingClub we are helping you to cut down your expenses related to the trading practice. Eventually, it will make your trading account grow faster and keep you in the game longer. Any experienced trader knows about the importance of money management in the trading business, and keeping your trading expenses down is part of it.

    We offer paper trading services at absolutely no charge and with no commitment. Most of the brokerage houses will require you to open an actual account before letting you paper trade. On other paper trading sites you might find that you are limited only to long positions because they do not allow you to sell short. We have no such limitations, and once again, it is absolutely free.

    In our products section, you can find our software, which we consider a must have if you want to cut your trading expenses. EZQuote and EZQuoteLite are simple to use market data downloaders with many useful features. You can get stock quotes and historical data absolutely free with no monthly fees.

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    Forex: “Elliott wave analysis helps me cut to the chase.”

    Jim Martens is one of the few forex Elliott wave instructors in the world and a long-time editor of Elliott Wave International’s forex-focused Currency Pro Service. A sought-after speaker, Jim has been applying Elliott waves since the mid-1980s, including two years at the George Soros-affiliated hedge fund, Nexus Capital, Ltd.

    Life Insurance Quotes – See Life Rates Now #life #insurance, #life #insurance


    Life Insurance

    Life insurance is your financial safety net

    Progressive Advantage life insurance (powered by Efinancial) can help your family maintain the lifestyle they’ve grown to love and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college, debts and just about anything else they may need.

    Simply put: life insurance can remove many of your financial worries. Just get a life insurance quote today, check these worries off your list and your family could be better protected.

    Life insurance rates are more affordable than you might think

    Progressive Advantage offers affordable life insurance rates starting at $14 per month. *

    Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

    What is life insurance and how it works

    A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, how long you need it and then you make your payments (called premiums). You typically can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you’ve listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum.

    Different types of life insurance

    Typically gives the most bang for your buck with the most affordable premium payments and a comparable payout. As long as premiums are paid, the policy lasts the selected term length (standard options are 10, 15, 20 and 30 years).

    Gives a guaranteed payout no matter when you pass away, as long as you keep paying your premiums. Plus, funds can often be withdrawn from your policy. These funds are known as the cash value of your life insurance policy.

    Offers more affordable premium payments and a lower payout amount. This type of life insurance is designed for paying off your final expenses, such as medical bills, credit card debt, funeral and burial costs, etc.

    Get a life insurance quote online and compare rates in just 5 minutes

    We partner with Efinancial to bring you one of the industry’s leading searching and comparing technologies. It’s 100% secure, and Efinancial works with top-rated life insurance companies to bring you some of the most competitive rates.

    Get a life insurance quote, and you can instantly compare policy options and estimated rates from several leading life insurance companies.

    Get a life insurance quote online or call for expert advice

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    City World Hyundai | Bronx New and Used Car Dealer NYC| Auto Dealer located in Bronx, New York serving Queens, Brooklyn and Manhattan offering 2017 Hyundai Elantra, New Sonata, Lease Offers on Santa Fe, Deals on Santa Fe Sport and Credit Approvals on alll models including Tucson. Drivers in White Plains, New Rochelle, Yonkers, Fordham, Pelham Bay, Rye, Bayside, Long Island City, Jamaica and Stamford, Connecticut and Paramus, New Jersey will find good reasons to Buy in the Bronx!

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    Compare Insurance Policies and Plans in India #compare #insurance, #best #life #insurance,


    Why Compare Health Insurance with us?

    Health expenses are increasing considerably each day and so are the health risks. With a wide array of health insurance policies, the task of choosing the best health insurance policy for your needs can be quite tough and confusing. At MyInsuranceClub we provide you with comparative health insurance quotes to select the best health insurance policy in a quick and simplified manner. You can also compare features of different health insurance policies to check the best health insurance policy for your requirements.

    • With our instant online calculator. you can compare health insurance premiums easily
    • With the plan features, you do get the Best Health Insurance Comparison
    • Yes, we are Completely Un-biased in our comparison
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    What is Health Insurance?

    Health Insurance, also known as Mediclaim in India, is a form of insurance which covers the expenses incurred on medical treatment and hospitalisation. It covers the policyholder against any financial constraints arising from medical emergencies. In case of sudden hospitalisation, illness or accident, health insurance takes care of the expenses on medicines, oxygen, ambulance, blood, hospital room, various medical tests and almost all other costs involved. By paying a small premium every year, you can ensure that any big medical expenses, if incurred, will not burn a hole in your pocket. The plan can be taken for an individual or for your family as a Family Floater Health Insurance Plan.

    Major Benefits in a Health Insurance Policy

    Cashless facility

    Each health insurance company ties up with a large number of hospitals to provide cashless health insurance facility. If you are admitted to any of the network hospitals, you would not have to pay the expenses from your pocket. In case the hospital is not part of the network, you will have to pay the hospital and the insurance company will reimburse the costs to you later.

    Pre-hospitalisation expenses

    In case you have incurred treatment costs for the ailment for which you later get admitted to a hospital, the insurance company will bear those costs also. Usually the payout is for costs incurred between 30 to 60 days before hospitalisation.

    Hospitalisation Expenses

    Costs incurred if a policyholder is admitted to the hospital for more than 24 hours are covered by the health insurance plan.

    Post-hospitalisation expenses

    Even after you are discharged from the hospital, you will incur costs during the recovery period. Most mediclaim policies will cover the expenses incurred 60 to 90 days after hospitalisation.

    Day Care Procedure Expenses

    Due to advancement in technology some of the treatments no more require a 24 hours of hospitalisation. Your health insurance policy will cover the costs incurred for these treatments also.

    Ambulance Charges

    In most cases the ambulance charges are taken up by the policy and the policy holder usually doesn’t have to bear the burden of the same.

    Cover for Pre-existing Diseases

    Health insurance policies have a facility of covering pre-existing diseases after 3 or 4 years of continuously renewing the policy, i.e. if someone has diabetes, then after completion of 3 or 4 years of continuous renewal with the same insurer (depending on the plan offered and his age), any hospitalisation due to diabetes will also be covered..

    Tax Benefits

    The premiums paid for a Health Insurance Policy are exempted for Under Section 80D of the Income Tax Act. Income tax benefit is provided to the customer for the premium amount till a maximum of Rs. 15,000 for regular and Rs. 20,000 for senior citizen respectively.

    No-Claim Bonus

    If there has been no claim in the previous year, a benefit is passed on to the policyholder, either by reducing the premium or by increasing the sum assured by a certain percentage of the existing premium.

    Health Check-Up

    Some health insurance policies have a facility of free health check-up for the well being of the individual if there is no claim made for certain number of years.

    Organ Donor Expenses

    The medical expenses incurred in harvesting the organ for a transplant is paid by the policy.

    Life Insurance Quotes – Consumer Resources #life #insurance,life #insurance #quotes,life #insurance #companies,life


    Life Insurance Quotes Information

    Who Needs Life Insurance?

    Do others depend on you financially? Do you have a family? Do others depend on you financially? How long could your dependents maintain their current lifestyle without your income? Will they be left with funeral expenses? Will there be legal expenses? If you answer yes to any of these questions, you need to consider life insurance.

    How Much Life Insurance Coverage Do You Need?

    If you are single, have no children or are part of a two-income household, you will only need minimal life insurance. Even if you are young and single, a life insurance policy can provide enough money to cover your funeral expenses.

    If you have dependents, such as a non-working spouse, children or parents who rely on your income, life insurance should be your highest priority after basic living expenses.

    The amount of life insurance you need depends on your particular situation; who will you need to financially protect and for how long? One common rule of thumb is to multiply your annual income by 17 and purchase a policy in that amount. For example, if you make $50,000 a year, you should have $850,000 in life insurance.

    What Kind of Life Insurance Do You Need?

    There are two basic types of life insurance policies: term life and permanent life insurance.

    Term Life Insurance is the most basic type and is meant to provide coverage for a specified period of time, usually 10 to 30 years, in exchange for a set monthly premium. This type is usually the most affordable option for individuals under the age of 50.

    Permanent Life Insurance lasts for the insureds entire life, as long as premiums are paid. Permanent policies combine a death benefit with a savings component. This can build cash value, which can be withdrawn or borrowed against to meet future financial goals.

    The two main types of permanent life insurance are whole and universal life insurance.

    Whole Life Insurance provides a fixed benefit amount and a fixed premium amount. The benefits of Whole Life Insurance include cash value, dividend payments, secured asset for loan collateral and cash payment for final expenses, such as burial costs, estate and probate taxes. One major advantage to this type of policy is that you can cancel it and receive a rebate for any cash value that has been accumulated.

    Universal Life Insurance is similar to Whole Life, as they both have cash value that accumulates in tax-deferred savings over time. Universal policies, however, have a greater degree of flexibility than traditional Whole Life policies. Universal Life policies give you the ability to adjust the premium amount and benefit amount over the term of the policy. You can select two different types of death benefits per Universal policy and opt for the death benefit to only pay what has been accumulated in the cash value of the policy. This would cost less than electing a fixed death benefit plus the cash value.

    Additional Resources

    Finding the right life insurance policy for your family and loved ones can be confusing. LifeInsurance.org provides several easy-to-use resources to help you make more informed decisions.
    Some of the resources include:

    • Guides and Articles to help you make informed decisions.
    • Learn about the difference between term and permanent life .
    • Helpful tips for consumers on how to apply, information about American family insurance rates, types, ratings, etc.
    • State guides (for U.S. readers).
    • An overview of the leading companies. including MetLife, Liberty Mutual, Prudential, New York Life and Gerber Life Insurance.
    • Frequently-asked questions .
    • Compare instant quotes from leading providers.

    About Us

    Our goal is to provide consumers with objective information and the tools so they make an educated decision on what product is best for them. LifeInsurance.org is neither a company nor an agency. We do not sell insurance policies to consumers, and so our focus is on both educating and providing you access to leading providers. As a service to our readers, we enable users of LifeInsurance.org to search for insurance quotes from leading companies who sell the policies, and can provide you with quotes along with guidance in buying the right policy. The information presented on LifeInsurance.org is intended for general consumer knowledge. We do not provide advice on individual situations or legal issues.

    Latest Articles

    Cheap Car Insurance #car #insurance, #auto #insurance, #cheap, #cheaper, #cheapest, #low #rates,



    We understand consumers often need the lowest price possible when it comes to choosing an auto insurance company. Our customers also want the right amount of coverage to keep their family safe and protected from life s unfortunate accidents.

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    Cheap Kentucky Health Insurance Quotes #kentucky #health #insurance, #kentucky #health #insurance #quote,


    Find an Affordable Kentucky Health Insurance Quote

    It’s tough out there. Many Kentucky residents and families have lost their job and are struggling to find affordable health insurance for the first time in their lives. Other families have struggled to make ends meet for years and losing their health insurance coverage feels like the last straw that breaks before they “slip through the cracks” altogether. At the same time, Kentucky employers are also struggling to continue their employee health benefits while remaining profitable. No matter your situation, check out these state health insurance resources and NetQuote’s superior access to low-cost health insurance quotes before you give up and go without health coverage.

    Kentucky Health Insurance Assistance

    In addition to seeking out quotes from private health insurers, you need to be aware of public assistance programs offered to help those individuals and families who are struggling the most. Like many states, Kentucky has established a high-risk insurance pool –Kentucky Access –to provide coverage for individuals with a medical history that prevents them from obtaining affordable coverage on the individual market. In fact, if you meet any one of these six criteria. you’re eligible to join this state-run health insurance program. And despite the public nature of this program, it’s not one-size-fits-all. You can choose amongst traditional, preferred, and premium access with various deductibles, coinsurance, and co-pay amounts.

    If, on the other hand, you can’t afford health insurance, you have few options beyond Medicaid. You may qualify for Medicaid assistance and not realize it, and if you have children, they may be one of the estimated 67,000 children in the state who are eligible –but not yet enrolled –in Medicaid or the Kentucky Children’s Health Insurance Program. Before you despair, however, you should also know that Kentucky health insurance is not as expensive as you may fear. For reasonably healthy adults, a high-deductible health plan may protect you from the potential financial calamity of major medical costs without completely decimating your monthly budget. Meanwhile, federal health care reform has expanded access to Medicaid, while also creating subsidies that may make the cost of health insurance on the individual market more affordable. To see how health care reform stands to affect Kentucky, use this governmental resource .

    Who Needs a Kentucky Health Insurance Quote?

    Along with the roughly 15% of state residents who have been without health insurance, recently employed workers who have fallen victim to one of the roughest recessions and job markets in U.S. history often need a Kentucky health insurance quote. COBRA premiums can make the continuation of existing health coverage impractical, especially if the federal government doesn’t reinstate subsidies that provide for 65% of these premium costs. Worse, if your employer went out-of-business, you may not qualify for COBRA at all. Workers who have found sources of income on the Internet and other self-employment opportunities as part of new economic realities must exhaustively search for health insurance quotes on the individual market for affordable rates.

    Of course, it’s not just workers and individuals who are struggling to make ends meet. Many business owners must also get new group health insurance quotes when it comes time to renew their policy. Saving money on health insurance premiums can help you avoid future layoffs in the next fiscal year, particularly if the economy and company revenues don’t rebound. Alternately, new small business tax credits may allow you to offer health insurance coverage to your employees for the first time ever. Beyond employee morale, offering this benefit can allow your firm to start competing for top-level talent that, in the past, has been poached by larger firms.

    Find a Local Kentucky Health Insurance Quote

    How you find a Kentucky health insurance quote is critical to obtaining the best possible coverage for you and your loved ones. Today, the best way to shop for insurance is online. Online referral services, like the one at NetQuote, reduce marketing costs which are, then, passed on to the consumer. How do we know they pass these savings on to the consumer? They have to in order to stay competitive. When you make a request for Kentucky health insurance quotes, you will be contacted by multiple insurers, all of whom know they’re competing directly with other insurance companies for your business. Better yet, you can quickly and reliably comparison-shop from the comfort of your own home. There are fewer opportunities to try to strong-arm you with high-pressure sales tactics.

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    Arkansas Homeowners Insurance

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    If you own a home in Arkansas, it’s crucial to protect your investment with the right homeowners insurance policy. Whether you’ve put down roots in cities like Little Rock or Fort Smith or in quaint towns like Bentonville, you and your family can depend on a home insurance policy from Nationwide. Our customizable policies can help you in the event of home theft, water damage backup, certain natural disasters and more. Importantly, our policies won’t break your bank. Our affordable Arkansas home insurance coverage is available at nationally competitive rates – and you may also qualify for a home insurance discount. Learn more about Nationwide’s home insurance features and start your free quote today.

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    [1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

    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.

    Share Article

    California Health Insurance quotes online: featuring Covered California #california #health #insurance,california #health


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    California health insurance quotes online

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    Pennsylvania Car Insurance #pennsylvania #car #insurance #quote


    Home Product Offerings Pennsylvania Car Insurance New York Auto Insurance Quotes

    Pennsylvania Car Insurance New York Auto Insurance Quotes

    As your leading local insurance agents, we are committed to protecting the drivers of our communities with the most dependable and affordable car insurance plans available, both in Pennsylvania and New York. We always make the time to assist each of our customers from start to finish. With this in mind, our customers are reassured that we will be there when they need us the most. Also, they know that if they have any questions, hassles, or barriers they won t have to face issues such as these alone.

    At Gannon Associates we pull out all the stops to supply you with as many options as possible. When combining our wide-ranging insurance selection with our years of knowledge, we guarantee to provide you with the perfect opportunity to custom build a policy that will meet all of your vehicle coverage needs. Keeping in mind, we also have the ability to provide you with a competitive Pennsylvania or New York auto insurance quote online; allowing you to secure an affordable policy with us quickly and easily from the comfort of your own home!

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    We recognize that you want to be certain that you re fully covered for a range of vehicle risks yet at the same time you re trying to keep premium expenses minimal. That s why our insurance specialists are dedicated to helping you find the most comprehensive, dependable and affordable car insurance. New York and Pennsylvania residents can rest assured, knowing that when they secure their coverage with Gannon Associates, they are properly protected!

    Contact Gannon Associates to learn more about our various coverage options and receive a complimentary coverage review as well as your free Pennsylvania car insurance or New York auto insurance quote today!

    HSA Instant Health Insurance Quotes – HSA for America #instant #insurance #quote


    Instant Health Insurance Quotes

    We make it our mission at HSA for America to find you the lowest rates and best coverage to meet your particular needs. Because insurance rates are regulated by law in every state, no insurance company or agency is allowed to sell at a price any different from the approved premium. and no one can offer a lower premium for the same insurance plans that we offer.

    If you are in good health, you may also want to compare these rates to the cost of joining a healthshare plan. Members of these faith-based plans are legally opted out of Obamacare, and can often lower their costs by thousands of dollars a year.

    Most importantly, we are specialists on both HSA plans and healthshare plans, and will help you save money on your health coverage and medical expenses now, and year after year. We take great care of you, so that we earn your business for life!

    Secure Online Applications

    The easiest and most efficient way to apply for an HSA plan is online through an insurance company’s secure online application. This will enable you to avoid the hassles of filling out a paper application, and will speed up the process by instantly transmitting your information directly to the insurance company s underwriting department. We will be notified of your application, and will let you know if we need any additional information. We ll also keep you informed on the status of your application every week, and let you know as soon as you ve been approved. After running instant quotes, you can apply online for most plans we offer right from the quoting system’s results page. Or you can get information on how to choose a plan and see all your apply options on our How to Guide page.

    Schedule a Consultation

    If you are serious about choosing the right plan and would like us to assist you in evaluating the available plans in your area, we are available for consultation. Find out more about our Personal Consultations .

    You Made It Easy To Compare Prices and Services of the Different Plans

    I am very pleased with your service. Your email response to my questions was very quick and thorough, and you made it easy to compare prices and services of the different plans.

    The service has been quick and thorough, and really beyond expectation. I like that you deal directly with the health insurance company for me, so I didn t have to through their phone system to ask for an additional insurance card. Thank you for handling it for me!

    Holly Weise
    Austin, TX

    Application is extremely straight-forward, customer-friendly, quick and intuitive

    What’s normally frustrating in searching for health insurances is the lack of easy access to all the offers on the market, the difficulty to compare the different plans. The service you offer is a comprehensive chart listing all available plans with their features and prices so it was easy for me to find the most suited option at my fingertips. I can run quick comparisons between plans to see the differences in coverage and price. The online paperless application is extremely straight-forwarded, customer-friendly, quick and intuitive.

    My Personal Benefits Consultant has been very prompt and responsive to my inquiries and makes me feel like he’s there to help me out throughout the life of the plan. When he says he will always be looking for price changes and have recommendations if a different plan is needed, I feel like he’s helping me managing my plan and I don’t to worry if I’m paying too much .

    Trung Nguyen
    Computer Analyst
    Denver, CO

    Leslie showed me ways to save a substantial amount of money. No hassle at all in the process – I looked online for information and found all my answers on your site. I was able to get an immediate quote instead of multiple phone calls.

    Excellent. Leslie was very helpful and pleasant to work with. I got answers to my emails very quickly. Leslie also showed me ways to save a substantial amount of money. My Personal Benefit Consultant is very knowledgeable! No hassle at all in the process. I looked online for information and found all my answers on your site. I was able to get an immediate quote instead of multiple phone calls.

    Rita Shepherd
    Red Bluff, CA

    Car Insurance Calculator #insurance #quote #calculator


    Car Insurance Calculator

    What sort of car insurance ‘risk’ are you?

    Ever wondered why everyone pays a different premium for their car insurance. It’s because the amount you are charged for cover is based on a statistical assessment of how much risk you pose.

    The greater risk you pose of being involved in an accident or having your vehicle stolen, the more likely it is your insurer will have to pay out for a claim.

    Someone with a very expensive and powerful car will generally pay more than somebody with a cheaper, less powerful car. Similarly, someone with 20 years’ driving experience will tend to pay less than someone who’s just removed their L plates because, statistically, an experienced driver poses a lower risk.

    But these are only rules of thumb, and insurers take several other factors into consideration when setting your motor insurance premiums. At MoneySuperMarket we regularly crunch the numbers behind millions of car insurance quotes to analyse market trends and help you get an estimate on your premiums.

    What is the cost of car insurance?

    According to MoneySuperMarket data, the average cost of annual car insurance in spring (March – May) 2016 was £470. This is an increase of 11.8% compared to last year (meaning you will now pay £50 more than a year ago). Compared to two years ago the change is even more significant. The average cost in spring 2014 was just £390 – prices have jumped £88 or a big 22.6% since then.

    MoneySuperMarket’s car insurance data monitor analyses the impact of age, gender and location on car insurance premiums to find out how much of a risk different groups are considered to be in the eyes of insurers.

    Average car insurance premiums 2010 – 2016 by age*

    The graph below shows how the cost of car insurance has changed in the last six years and is segmented by different age groups.

    *Source – MoneySuperMarket data

    Why are age and location important when calculating car insurance?

    We have focused on these areas as they tend to be among the most influential factors when it comes to calculating car insurance quotes.

    Age is a big factor when it comes to motor insurance premiums, as older drivers are seen by insurers to be less likely to be involved in accident. Generally speaking, this is because older drivers tend to have more experience behind the wheel, whereas younger drivers tend to have less experience.

    Those living in areas with higher crime rates also tend to pay more for cover. If your postcode is in a high-crime area, insurers will weight your premiums to account for the added risk of your vehicle being vandalised, damaged or stolen.

    How to bring down the cost of car insurance

    Bear in mind that our car insurance calculator only gives you the average price you can expect to pay. In reality, your premiums could be higher or lower. If they are higher, there are some steps you can take to help bring the cost down.

    1. Opting for a lower level of cover: Third party only cover tends to be cheapest of the three options, because in the event of a claim, the insurer is only obliged to pay for damage caused to third parties and property. It does not cover the driver against fire, theft, or damage to their own vehicle or themselves.

    Remember that although third party cover may be the cheapest option, were you involved in an accident you would have to pay for repairs to your own vehicle, so it may be a false economy.

    2. Pay a higher voluntary excess: Doing so typically earns you a lower premium as the insurer will be left with a smaller bill. However, you must not set your excess at a higher level than you can actually afford, because you will have to pay it in the event of a claim.

    3. Improve your car’s security. Keeping your car parked in a locked garage overnight and even installing insurer-approved security equipment such as immobilisers or steering wheel locks reduce the chances of it falling prey to thieves, and insurers should reflect this in their car insurance quotes.

    Years without claiming

    4. Build your no claims discount: For every year you drive without making a claim you can build up a discount when it comes to renewing your car insurance policy. The range of discounts offered are shown in the table.

    5. Take a young drivers advanced driving course: Pass Plus is a course that teaches young drivers extra skills outside of the practical and theory test, such as motorway driving, and, in some cases, helps young drivers to get cheaper premiums with some insurers.

    6. Add an experienced driver to your policy. In theory, having another driver on the policy reduces the amount of time you’ll spend behind the wheel and could therefore reduce your premiums if the insurer believes that the named driver is less likely to be involved in an accident.

    A word of warning though; you must never have a more experienced driver ‘front’ your policy for you as the main driver to get cheaper cover – this is known as fronting and is illegal. If you’re caught fronting you could end up in court for driving without motor insurance.

    Our car insurance comparison tool can give you an idea of what you can expect to pay, but follow these steps and you can earn yourself a better deal and feel epic.

    Did you find this helpful? Why not share this article?

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    In this Article

    Car Insurance Comparison #imsurance #quote


    Car Insurance


    Tiger.co.uk is an independent comparison site that aims to offer quotes to all drivers whatever their circumstances. To date it has helped well over a million motorists in the UK to find cheaper car insurance quotes.

    Compare over 85 insurance brands including lots of well known companies and a wide range of more specialist insurers, including many telematics (or “Black Box”) insurers. So don’t delay, enter your registration details and get a quote today!

    Useful Links

    How to drive economically

    Guide to making a claim

    Young driver car insurance jargon buster

    Guide to car insurance extras

    Calls to 0800 numbers are free from UK Landlines and from UK mobilesTiger.co.uk® is a trading name of Call Connection Ltd. Registered office Saxon House, Ipswich, IP1 1TS. Registered in England and Wales 4834010.Call Connection Ltd is authorised and regulated by the Financial Conduct Authority. FCA number 308374.

    Tiger.co.uk uses cookies, which are small text files that are downloaded to a computer hard drive or mobile device when a visitor comes to the site.

    Cookies are harmless files that help to improve the service and experience that this site provides to visitors. They do not provide access to personal computers or any information about visitors, other than data you choose to share with us.

    By accepting cookies, Tiger.co.uk is able to provide a better service to visitors, provide access to an account area where quotes can be saved and enhance visitor experience.

    Cost of a Home Solar Power System #solar #system #quote


    How much will a solar electric system for my home cost?

    All told, in leading states, the price drops [of solar components] and combination of incentives mean that an installed system could cost less than $10,000—a far cry from what solar was costing just a few years ago. And it means that some people are seeing payback periods of as little as 4 to 6 years. 1

    Figuring out exactly how much your solar system will cost can take a little detective work. Electricity rates vary, and each state has different rebates that may affect the overall price of your system. Check out our state by state solar incentives page to see what extra incentives you qualify for beyond the 30% federal tax credit. We also go into a lot more depth on the cost of solar and how to calculate your Return on Investment (ROI).

    Use our quick calculator below to get a rough estimate of how much a solar panel system might cost you based on your location and the average electrical consumption in that area. If you have access to your power bills find the average kWh per month your house uses for a more accurate system size estimation.

    Disclaimer: This form is only able to pre-populate with data from the United States, if you are outside of the US enter your own figures into the form below to calculate system cost and payback time.

    Wholesale Solar Basic Solar System Cost Calculator

    This form has been pre populated with data specific to your area.
    For more accurate results, fill in the fields below with numbers from your own electrical bill.

    When we installed solar, the value of our home was increased by more than the cost of the system. We know that electricity prices will continue to climb, but not for us! – Ellen, Wholesale Solar Employee-Owner.

    Check out our complete packages! What is your Goal?

    Illinois Full Coverage Auto Insurance Quotes #full #coverage #insurance #quote


    Full Coverage

    What is Full Coverage?

    This is not required by the State. This type of auto insurance covers your vehicle in case you have an accident, unlike basic liability, which covers only the other driver’s vehicle. Full coverage also includes the state-mandated minimum liability coverage.

    What is important to know is that full coverage includes the comprehensive or “collision” package. Collision protects your vehicle if it is damaged in an accident. Comprehensive provides protection if your vehicle is damaged by something other than a collision, such as your car being stolen or a light pole falling on your car when it’s parked at night.

    How Does Full Coverage Work?

    To understand how full coverage works, you should know what “deductible” means. When you purchase an auto insurance policy, you and your agent determine the deductible. This is the amount that you must pay out-of-pocket (not covered by your policy) in the event of an accident. Typically, a higher deductible means a lower rate (or cost per month) for your insurance policy, so if you’re looking for comprehensive coverage but want a lower price, you can increase your deductible.

    What happens if you have an accident? If your deductible is $1,000 and your cost for damages is $3,000, you pay $1,000 out-of-pocket and the insurance company pays the remaining $2,000. If another driver causes an accident involving your vehicle, the full coverage (minus your deductible) pays the damages until the other driver’s insurance company pays on the claim.

    Note that your insurance policy covers only repairs to bring your vehicle back to the actual cash value it had before your accident. Actual cash value is the price of your car minus depreciation (the decrease in value due to wear and tear) and your deductible. Full coverage pays an amount up to the actual cash value of your car to either repair it or replace it (if it is a total loss). For example, if your car is worth $5,000 at the time of the accident, you are covered up to $5,000. If the damage exceeds $5,000, the insurance company declares the car a total loss and pays you $5,000 to help you replace it.

    These descriptions are meant to assist you in determining your auto insurance needs. These are not complete descriptions and do not constitute an insurance contract or coverage for specific losses. For a complete description, please consult your policy contract or contact your insurance agent.

    Doctors and Physician Disability insurance #doctor #disability, #disability #insurance #quotes, #physicians #disability


    Get Affordable Disability Insurance

    Fast and Reliable

    Doctor Disability specializes in providing own occupation disability insurance to physicians and dentists. Whether you are an anesthesiologist, radiologist, emergency room physician, cardiologist or surgeon, you will find relevant information on the most respected, financially secure disability insurance companies in America.

    Our experienced agents work exclusively with doctors and dentists; we understand your busy schedule and desire to have the highest quality benefits available. We work with multiple insurance companies to create customized own-occupation disability insurance plans for members of the medical and dental community in all 50 states .

    Compare and Save

    Request quotes and get an objective, side-by-side comparison of the major insurance companies based on your unique situation. Important features and benefits of the policies are highlighted and presented in an objective, user-friendly format, saving you valuable time and money.

    Our goal is to simplify the insurance buying process to ensure you are getting the absolute best value in own occupation disability insurance benefits.

    No Complications

    You are provided with accurate, unbiased support so you can select the disability income insurance plan that is best for you. Your questions are promptly answered by specialists who understand the needs of physicians and dentists.

    Once you have selected your disability plan, applying through DoctorDisability is quick and easy! Have an application mailed/emailed/faxed to you for a quick turn around and let us take care of the paperwork and all communication with the insurance company. Our job is to make obtaining a policy as easy as possible by being available when you need us; in between patients, at night, whenever it’s convenient for you.

    Take Action Now!

    Nearly half of the one million Americans who filed for bankruptcy protection last year did so as the result of an unexpected injury or illness.

    According to the US Commerce Dept. nearly 1 in 5 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65 – the opportunity cost of lost wages is tremendous.

    A disability can strike anyone, at any time. In an instant, your income could drop significantly. Would you be ready if the unexpected happened? Protect your income by requesting a free quote comparison today!

    Dog Bite Quote #liability #insurance #online #quote


    Coverage for Medical Expenses and Legal Defense if FIDO Causes An Injury

    Every year in the United States more than 4.7 million people are bitten by dogs.
    Center for Disease Control and Prevention

    Dog bite injuries total over $400 million per year in medical and liability claims. Many homeowners or renters insurance policies exclude coverage for injuries caused by dogs, resulting in out-of-pocket expenses for pet owners. In addition, many landlords and property management companies may be reluctant to rent to people with dogs particularly certain breed especially if you don t have coverage for canine liability claims.

    We are pleased to offer a solution to dog bite liability with Canine Liability coverage. a pet insurance program catering to concerned owners, available through Dean Insurance, an independent insurance agency established in 1994.

    The Canine Liability insurance policy offers broad coverage, no deductible, and is available in all states, except Alaska. Each dog is individually underwritten so no specific breed is excluded. Plus, with our policy, we can add the property management company or landlord on the policy as an additional insured.

    Dog bite insurance is crucial for any responsible pet owner in securing yourself from liability should your dog bite an individual and cause harm. Protect yourself with a policy today!

    Now you can protect yourself and your best friend with a Canine Liability Insurance Policy. Just complete and submit our on-line application today and we will send you a quote.


    What’s new

    In our last two articles, we covered the basics of keeping your dog safe in summer and preventing de

  • Summer is the best time of year to take your dog out for a day of fun in the sun. However, with outd


    Dean Insurance Agency
    230 N Westmonte Drive
    Suite 2100
    Altamonte Springs, FL 32714
    Phone: 800.721.3326 or
    407. 865.7477, ext. 101
    Fax: 407.865.7557


  • Auto Insurance Quotes Compare #auto #insurance,cheap #auto #insurance,cheap #auto #insurance #quotes,compare #auto


    Compare Auto Insurance Quotes

    Enter your 5-digit ZIP Code, and click at “Compare Quotes” then get the best auto insurance rates saving over $520 on automotive policy. We are here to provide you cheap and quality auto insurance quotes that can be obtained through comparison tool online. Check out here leading national insurers that provide various auto insurance deals to choose the cheapest annual prices. Such comparison process allows you to get free quotations by zip code, just in some minutes. It compares offers and provides quote by quote from major USA vehicle insurers unless the client is satisfied, including home insurance quotes. Also you may get few different offers from top companies, this is also available when you enter your zip code and start the process online.

    Comparison of Auto Insurance

    It is clear how is affordable our rates are, and how much you can save with us. If you use free quotes comparison service, this is the best way to be insured, finding cheap prices and take advantage of them. Spend around 2 minutes to protect yourself and your auto to stay prepared to accidents and damage which may happen with your vehicle and another person’s car or city property.

    How to Apply Quote Request

    Enter zip code and go to the next step. It needs to fill in some information about your vehicle if you are looking for auto insurance policy. To get home insurance coverage you need to provide information about your house accordingly. Usually agents and companies ask to provide such information because it needs to calculate rates online using zip code. We compare offers from huge amount of companies and provide you the most affordable offers. Comparison takes few minutes, check out quotes online and save on policy.

    Car Insurance Estimate – Check average rates before buying a car #estimate


    Car insurance coverage – Is minimum coverage enough?

    It doesn t matter whether you re buying a new car or used car; it s easy to get caught off guard about the costs to keep that car on the road, especially when it comes to car insurance.

    Car insurance rates can differ widely from one car to another, even among two cars that are direct competitors in the same class. Your choice can cause a substantial drain from your wallet.

    If you know the specific car you want to buy, then one phone call to your car insurance agent will get you car insurance estimates for the cost to cover that car with the same coverage you currently have. However, if you aren t sure what kind of car you want to buy, keep these factors in mind as you consider insurance costs on your next car.

    In general, SUVs and pickup trucks cost less to insure than average, while sports cars and luxury cars cost more than average. Family sedans have average insurance costs. As a result, you may see higher car insurance estimates if your new car is one of the more expensive body styles to insure or is a luxury brand. Also, keep in mind that even if you are replacing your current car with a similar but newer car, your car insurance rates will be higher due to the car s age.

    While these are general guidelines, there are exceptions in every category. That can mean that certain autos will cost more or less to insure than others of the same body style. This is because car insurance rates are calculated partially on a car s claims history. Each insurance company looks at its own claims data for each car and assigns each car a loss number that guides it in setting the rates for that particular vehicle. Since some cars are more costly to repair or are more likely to be in a car accident or both, the loss numbers vary, even with similar types of cars.

    The Insurance Institute for Highway Safety offers data on insurance losses for various vehicle models. This historical data on losses affects car insurance premiums.

    Overall car insurance losses: Collision


    Source: Insurance Institute for Highway Safety, model years 2009-2011

    To get a good range of car insurance rates on a wider variety of cars, check out the industry-wide historical data available from the Insurance Institute for Highway Safety s Highway Data Loss Institute. Visit iihs.org and follow the link for insurance losses by make and model. From there, locate the loss number for your current car as well as any cars you are considering buying. Numbers that are greater than your current car indicate higher car insurance premiums, while numbers that are smaller than your current car should result in lower insurance costs.

    As car insurance represents a substantial part of a car s overall cost to own, doing some legwork and getting car insurance estimates as you narrow your choices for your next car can help you save money, especially if you are paying more for car insurance than you d like. Taking a few minutes now can mean a fatter wallet later.

    More From Bankrate

    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.

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    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.

    InsureCancer – Get a Quote #insurnace #quote

    In view of the specialist nature of this insurance, each quotation is based on the applicant’s medical history, current health and clinical status. In order to obtain a quote please telephone 0125 278 0190 or 0845 649 0190. We undertake to deal with all enquiries with sensitivity and empathy. We will ask you a few simple details about the nature and history of your medical condition and of course, your current state of health. Your enquiry will be assessed by an insurance professional who will discuss the background of your medical condition with you. All cases are underwritten individually based on your medical condition. We reserve the right not to provide cover.

    The Queen s Awards for Enterprise: Innovation 2007. Pioneering insurance underwriting innovation for those affected by cancer

    Copyright 2007-2016 Medi TravelCover Ltd Designed Maintained by: ICT Dynamics Ltd.

    In view of the specialist nature of this insurance, each quotation is based on the applicant’s medical history, current health and clinical status. In order to obtain a quote please telephone 0125 278 0190 or 0845 649 0190. We undertake to deal with all enquiries with sensitivity and empathy. We will ask you a few simple details about the nature and history of your medical condition and of course, your current state of health. Your enquiry will be assessed by an insurance professional who will discuss the background of your medical condition with you. All cases are underwritten individually based on your medical condition. We reserve the right not to provide cover.

    Copyright 2007-2016 Medi TravelCover Ltd Designed Maintained by: ICT Dynamics Ltd.

    The Queen s Awards for Enterprise: Innovation 2007. Pioneering insurance underwriting innovation for those affected by cancer