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Who Really Are The Best Insurance Companies?

Ever sit around wondering who the best insurance companies really are after watching one insurance advertisement after another? Ever wonder what insurance companies you should stay away from after watching the news? Well, wonder no more.

Thanks to the diligent work of some reputable organizations that analyze and rate insurance companies, they have put together the answers to the questions you are wondering about.

Worst Insurance Companies For Claims Service

Let’s go ahead and get the bad out of the way so that we can move onto the good. The center of an insurance company is its claims service. Without the fear of having to turn in a claim in the future to get damages fixed, there would be no reason for insurance.

The companies that made the bottom of the JD Power’s 2010 Claims Satisfaction study must not realize how vital the whole claims experience is for keeping clients. These three companies earned a sad 2 out of a possible 5 in the “overall satisfaction” for claims service.

– 21st Century

– Commerce

– Mercury

Best Insurance Companies For Claims Service

The following companies on the other hand know that to keep customers, you have to honor your promise to pay their claims (if there is coverage). They also know that customer service is just as important, if not more, to customers during the claims process.

Of the top 6 best insurance companies for customer service that placed on the top of the JD Power’s 2010 Auto Claims Satisfaction Survey just one received a 5 out of 5 ranking. The next 5 tied for second with a 4 out of 5 ranking, which still isn’t too shabby.

1) Auto-Owners Insurance

2) The Hartford

2) California State Automobile Association (CSAA)

2) Erie Insurance

2) American Family

2) Amica Mutual

Best Insurance Companies For Customer Service

In every aspect of the insurance industry that has any dealings with clients, good customer service is key. Treat your clients like you don’t care or they don’t matter and you will watch your profits head out the door along with the customers that leave you for other insurance companies.

The companies that JDPower.com gives the Customer Service Champions award to each year understand the importance of this. To keep their customers happy they not only offer wonderful customer service, they exceed the expectations of their own clients in this area.

Here are the best insurance companies that earned the 2011 Customer Service Champions (in no particular order):



Auto-Owners Insurance

Erie Insurance

Farm Bureau Insurance

NJM Insurance Group

Best Insurance Company Mascots

Why should you care about insurance mascots? They have nothing to do with the claims department or how good a company’s customer service is. You should care because they are important in the very beginning stages of the insurance purchasing process.

The best insurance companies use mascots to get potential customers to remember them when they are searching for new insurance quotes. Potential customers remember the mascot from commercials and associate the mascot with the insurance company. This association leads to contacting that company when they are ready for a new insurance quote.

Here are the top three best insurance company mascots that were recognized in an advertising study:

1) The GEICO Gecko

2) Flo from Progressive

3) Allstate’s Mayhem

The Best Insurance Companies of 2011

Fortune 500 ranks businesses every year based on factors that are more pressing to stockholders than insurance consumers like you and me. Still a company that makes the top of the Fortune 500 list indicates that they are doing something right with clients are flocking to them and staying with them. It also indicates that they are stable as a company and will be around in the future if you need to file a claim.

The top 10 best insurance companies as ranked on the Fortune 500:

1) GEICO (Berkshire Hathaway)

2) AIG

3) State Farm

4) Liberty Mutual

5) Allstate

6) Travelers Cos

7) Hartford Financial

8) Nationwide

9) United Services Automobile Association

10) Progressive

Todd Clay was an agent for the largest insurance company in the US. He now researches and blogs about the best insurance companies with the consumer in mind. Check out the latest reviews, rates by state, or grab a few auto insurance quotes in 5 minutes at: www.CarInsuranceGuidebook.com

Cheap Car Insurance for Teens from the Best Car Insurance Companies

As a parent or guardian of a teenager, you’re probably dreading the day that they ask to get their drivers license. Whether we like it or not, every parent has to face the reality that their teenager will eventually get their driver’s permit and then their license.

One thing is for certain; purchasing teen car insurance can burn a hole in your wallet. The good news is that there are ways you can purchase cheap car insurance for your teen. Some car insurance companies now offer teen car insurance at lower rates than standard car insurance.

How do you find cheap teenage insurance?

Most parents ask the opinions of family members, friends with teenagers who’ve purchased cheap teenage car insurance. They also check the yellow pages and search for car insurance companies as well as randomly calling car insurance companies for quotes. However, those who are finding the best deals are finding them on the Internet.

Do a Google search on teen car insurance rates. Then choose the first few companies that populate on the Google search results page and contact them for cheap car insurance quotes. You’ll need the make, model of the car, the year and the state you live in as well as how many miles will be driven annually, if your teen has a job, the car’s VIN, and some additional details. Aggressive car insurance companies offer greater discounts if your teen driver consistently achieves high grades

The state you live in will have a major effect on the cost of insurance. For instance, if you live in Atco, New Jersey, your car insurance will be a lot cheaper than if you live in New York or California. Regardless of where you live in the United States of America, you can find companies willing to offer discounts on cheap teenage car insurance.

Save time and money searching for cheap teen car insurance rates

If you are pressed for time and living on a budget, go straight to a car insurance site that lists the cheapest car insurance rates. All you have to do is fill out a form, and the website will provide you with a listing of the cheapest car insurance rates for your teen. Whip out your iPhone, Blackberry, iPad or even your laptop and you can get instant car insurance rates for your teenager. Those who report the lowest rates by the most credible companies always take the extra few minutes to receive multiple quotes.

Once you have found a cheap car insurance provider that has cheap teen insurance rates, the only thing left to worry about is teen driver safety. We encourage all parents and guardians to enroll their teen in a series of driver’s safety courses. Teens love them because they’re fun and they can test one’s confidence on the driving obstacle course and with key life saving and accident avoiding defensive driving manouvers.

Get cheap car insurance for teens from multiple car insurance companies with just one click at CheaperCarInsurance.com. We provide best auto insurance rates with 100% accuracy guaranteed. Get multiple car insurance quotes and save on your insurance rates.

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Zone Tech "Warning Student Driver" Vehicle Bumper Magnet - 3-Pack Premium Quality Reflective "Warning Student Driver" Bumper Safety Sign Magnet


  • Brand: Zone Tech
  • EAN: 0723508911622
  • EAN List: EAN List Element: 0723508911622
  • Label: Zone Tech
  • Manufacturer: Zone Tech
  • MPN: ST0095
  • Package Dimensions: Height: 10; Length: 960; Weight: 35; Width: 325
  • Package Quantity: 2
  • Part Number: ST0095
  • Product Group: Automotive Parts and Accessories
  • Product Type Name: AUTO_ACCESSORY
  • Publisher: Zone Tech
  • Studio: Zone Tech
  • Title: Zone Tech "Warning Student Driver" Vehicle Bumper Magnet - 3-Pack Premium Quality Reflective "Warning Student Driver" Bumper Safety Sign Magnet
  • UPC: 723508911622
  • UPC List: UPC List Element: 723508911622

Affordable Auto Insurance Companies – Looking For Better Quotes from Top Rated Auto Insurers

Finding affordable auto insurance is not as hard as one might think; however, some top rated insurance companies in the United States may consider you to be high insurance risk if you don’t meet certain conditions. Good news though, is that in today’s world of the Internet nobody should settle with insurance policy that it’s too expensive because they don’t have many choice. Fortunately today the choices are many — because a simple search on the Internet can produce multiple competing quotes to choose from. There’re hundreds of top rated auto insurance companies in United States, who offer very attractive teaser-rates to attract new policy holders. Insurance companies are always in competition with one another looking for quality and steady customers — so if you have good driving record and good credit rating you should have many companies competing for your business.

Where can I find affordable auto insurance companies?

The quickest way to find companies willing to offer great deals on auto insurance is through the Internets. With the internet, it’s easy to compare multiple quotes from just one short form application in few short minutes. All you have to do is simply do a search for “multiple auto insurance quote,” and in few seconds you should see hundreds of listings for affordable auto insurance. All it takes is just few minutes of your time to fill a short form, and in some cases you should start receiving quotes from multiple trusted companies that you can compare rates with.

Is it necessary that I go with top rated auto insurance companies?

Absolutely not, you do have other choices — but chances are that you could save more on premium with bigger and top rated insurance company than you would with smaller companies. Simply put, you can get cheaper insurance rate from smaller to big companies. However, you must not forget that for a business to be top-rated in whatever they do; it must have something to do with their overall business acumen. It also could mean that they’re profitable, may have excellent customer service, and possibly are quick to respond to claims.

When an insurance company makes a lot of profit, it generally trickles down to their customers one way or the other. Less claims from policy holders means more money for insurance companies to pass-on to their current customers — meaning that they have more money to entice new customers with cheaper premiums.

Bad credit rating and bad driving record

If your goal is to get auto insurance deal from top rated auto insurance companies in united states, then you should understand that bad credit and poor driving record will not help you get better deal. Bad driving record means that you’re a high insurance risk. Bad drivers tend to get into accident frequently — and frequent accident usually leads to excessive insurance claims. Bad credit rating also will not help your case when you’re looking for affordable auto insurance companies to buy policy from. Though it’s not as damaging as poor driving record, but unfortunately some consumers will pay high insurance rates whenever their credit ratings drops; and that’s a shame.

Again, if you know where to look; you will always find affordable auto insurance companies who will be willing to offer you a great deal on insurance premium as long as you have decent driving record, and your credit score is okay. It is sad to say, but good deals on insurance does; and will always favor those with stellar driving and credit records.

Emeka Ezidiegwu is a Webmaster, author, and Internet marketer. If you’re informed by this article, please visit us at Quick Insurance Info; for this and more related articles like: affordable auto insurance or cheap auto insurance plus much more.

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NENKI Kids Goggles NK-1018 for Motocross, Bike Riding, Skiing,Tinted Lens (Techline Red)


  • Brand: NENKI
  • Color: Techline Red
  • Department: unisex-child
  • EAN: 0652042960479
  • EAN List: EAN List Element: 0652042960479
  • Label: NENKI
  • Manufacturer: NENKI
  • Model: NK-1018
  • MPN: NK-1018
  • Package Dimensions: Height: 465; Length: 866; Weight: 66; Width: 559
  • Package Quantity: 1
  • Part Number: NK-1018
  • Product Group: Automotive Parts and Accessories
  • Publisher: NENKI
  • Studio: NENKI
  • Title: NENKI Kids Goggles NK-1018 for Motocross, Bike Riding, Skiing,Tinted Lens (Techline Red)
  • UPC: 652042960479
  • UPC List: UPC List Element: 652042960479

Travel Insurance Companies and False Claims

What are the reasons behind purchasing any form of travel insurance? When trouble ensues when a person travels a solid coverage plan can ensure that adequate settlements can be received. Traveling can be a costly activity especially if a person cannot easily afford to go on trips, he or she should avail of some insurance just in case there may be problems with his or her travel plans.

A person can rid him or herself of the hassles that can come about when a trip is postponed when he or she considers availing of a travel insurance policy before a trip is arranged. Travel coverage is only applicable when a valid excuse is presented for why people are cancelling their travel plans. When there are added costs to be paid when delays happen then people can rely on their travel coverage.

People may find it hard to pay for expensive premiums for these. When travel plans amount to say a hundred dollars then the travel insurance will be at around six dollars on the average. When travel plans are changed or cancelled and say a person has coverage for a two week vacation then this policy may be enough to provide full coverage including payments for lost bags and even documents.

Travelers should disregard the cost of insurance and avail of coverage plans when they travel. Insurance can resolve problems that can arise with trip default. On one certain occasion there was a cruise line which left a lot of stranded passengers when the company decided to stop all trips.

There are companies who may have closed down but still managed to meet their obligations to the clients who need to return to their homes. There is no guarantee that a traveler will receive adequate compensation for a trip that did not continue on. Federal court and not the small claims court handle cases pertaining to travel companies and client complaints.

The peace of mind from having travel insurance cannot be replaced in any way. Fortune telling is no joke with travel agencies. With fortune telling people always rely on faith.

The value of a good travel coverage plan will be highlighted here. First and foremost travelers should keep the dream of riches out of their heads with this kind of policy. With this in mind it can seem as if travel coverage is not so attractive of a plan at all.

Unlike other policies travel coverage is bought per hour. There may be millions of aircrafts flying in and out every day but out of these can arise crashes like in 1994 where more than 200 people died. Travel insurance coverage and the rental waivers at automobile rental places are poles apart.

The renter who has signed a waiver is free from all responsibilities attributed to the damage of a rented car. There are times when trips end up not pushing through and so people can buy waivers on cruise lines protecting them from such occasions. Do not expect anything like medical assistance with this waiver though.

No matter what travel providers experience travel insurance can ensure travelers that all their losses will be settled properly. Bankruptcy is bankruptcy and nothing more so always read the fine print. Travel insurance also ensures faster payback when travelers do not get to go on their trips.

Insurance companies will almost always settle payments when complete files are presented to them. Travel insurance policies today differ greatly from those from the past. Insurance companies will always see to it that people buying plans are healthy so as not to have problems with lingering illnesses cancelling trips.

Disputes over this have been incredible, with insurance companies rejecting claims on flimsy excuses. Depending on the company, the deadline ranges from 24 hours to seven days after the initial deposit has been paid. Policies expire quickly and so it is better to grab one over the phone.

Default will also render sold policies null and void. The policy must be issued through a third party. Have an insurance company’s name at hand or buy the policy through a travel agent.

If you’re on the hunt for top best price travel insurance information, make sure to visit them. Here is further info on cancellation travel insurance.

Comparing The Cheapest Auto Insurance Companies

If you would like to bring down the cost of owning a vehicle, one of the simplest ways to do so would be to find the cheapest auto insurance companies. Today there are likely to be dozens of insurers who would be more than happy to have your custom, there is no real need to settle for a high price when you don’t have to.

Though receiving a low quote is obviously attractive, this should not be in lieu of sacrificing a quality service. Though you may think that you will never need to make a claim, it would be foolhardy to focus solely on the price of your next policy without giving any attention to what kind of service is being offered.

The best insurers are those who provide affordable premiums and also ensure that their customer’s expectations in terms of a quality service are met. There are a number of ways you can discover which establishments have a positive reputation and which do not. A good place to start would be to check out the reviews that are available online.

Many websites now allows consumers to post reviews and ratings of insurers, such information can be extremely valuable whens searching for a low cost insurer. If any company has been given a lot of bad feedback, do not entertain the idea of giving them your custom no matter how cheap their rates.

You may find that the insurers with the most attractive premiums are those that operate through the online domain. Net based insurers typically have fewer overheads than their counterparts that maintain a physical presence, these savings can be passed on to consumers in the form of lower rates. If you are to use an online insurer, opt for a company that has been in business for a number of years as opposed to an unknown entity.

There are a number of independent organization who rate insurers and who are worth consulting when comparing companies. Finding out information on the average pay out rates of different establishments can help ensure you make the right decision.

With car ownership becoming a more expensive activity every year, comparing deals from the cheapest auto insurance companies has never been so important. As long as you research at least half a dozen options, you should not have any concerns about whether you will be given a service that is of good value.

You can get tips on how to find the cheapest auto insurance companies and September auto ins news on our site, now.