Five Ways to Cut Auto Insurance Costs this Summer (Carteret County News-Times)
Online insurance refers to provision of buying and selling insurance online. Insurance is subject to Utmost Good Faith, which makes it very convenient for people to conduct the business online, as both the parties have absolute duties to tell all the facts which are material, else the contract are void.
Conducting a full transaction of insurance is tough for most of the commercial businesses, but many types of personal insurances are conducted online including but not limited to Motor (car) insurance, travel insurance and medical insurance.
Many of the online insurance providers, just provide the quote online and the rest of the process is done manually, this is very convenient for cases where the physical paper is important to complete a process. An example is car insurance in Dubai / car insurance in UAE, where it is mandatory to give Arabic certificate of insurance before registering the car. The certificate should bring physical stamp of the issuing company, hence it is virtually impossible to complete the complete transaction online. hence websites like Tameen4u.com provides you online insurance quotes and complete the rest of the procedure offline.
Retrieved from http://en.wikipedia.org/wiki/Online_insurance
online car insurance quotes news
Insure.com: 12 Things You Don't Know About Car Insurance That Could Cost YouMonday August 25, 8:00 am ET
DARIEN, Ill., Aug. 25 /PRNewswire-FirstCall/ -- What you don't know about your car insurance policy could be draining your wallet right now. Insure.com, Inc. (Nasdaq: NSUR - News) has revealed 12 factors that may be costing you money.
ADVERTISEMENT
1. You'll pay for your friend's bad driving
If your friend borrows your car and crashes it, you'll have to file a claim with your insurance company. You'll have to pay any deductible that applies and your rates could go up as a result of your claim, especially if you have made other recent claims.
2. Your personal property in your car isn't covered by your auto insurance
Stolen or damaged items like compact discs aren't covered by your car insurance.
3. You may be entitled to payment for sales tax and registration fees for a new car
Most states require insurers to pay sales taxes on total loss settlements. Some states require the insurer to pay it at the time of loss while other states require it to be paid only if you purchase a replacement vehicle within a certain time period. Make your request for a sales tax reimbursement no matter where you live.
4. You may be entitled to a diminished value claim in some states
Diminished value is based on the idea that any car that has been in an accident, regardless of how well the repairs are done, is worth less than the exact same car that hasn't been in an accident. However, most states allow car insurers to use policy language that officially disallows diminished value claims.
There's one way you may be entitled to a diminished value claim: If someone else hits you and you make a damage claim on that person's insurance. That's called a third-party claim and it's possible to get diminished value damages as a third party.
5. You may be able to "stack" your coverage
Stacking uninsured/underinsured motorist coverage means you can collect payment more than once within the same auto policy or across two auto policies. There are two scenarios for stacking: First, if you have multiple cars, you can collect the limit of your UM/UIM policy to cover full payment for damages. Second, if you have more than one policy with UM/UIM coverage, you can make a claim under each policy until all your damages are recovered. Check the language of your policy.
6. Making a claim could increase your car insurance rates, but by how much?
When an insurance company decides to raise your premiums because you make a claim, it doesn't follow any hard and fast rules; many factors are involved. For example, if you make a claim and have a birthday before renewal time, your birthday might bump you into a higher risk category along with the claim.
Some insurance companies have "accident forgiveness" guidelines. When you buy or renew your policy, ask how to qualify for accident forgiveness.
7. If you don't drive much, "usage-based" car insurance could save you money
"Usage-based" car insurance allows you to buy coverage based on how much you actually drive. If you don't drive much, this can save you up to 60 percent on your insurance. Progressive is the first insurance company to offer "pay-as-you-drive" policies through its MyRate program. Your mileage will be measured by a wireless device installed in a car port.
If your insurance company doesn't offer usage-based coverage, inquire about "low-mileage discounts."
8. Your credit history may affect your car insurance premium
Car insurers believe that your credit history is an indicator of whether you are going to make a claim, and price your insurance policy accordingly where states allow it.
9. You must officially cancel your insurance policy when you switch insurers
You can cancel your coverage at any time by notifying the company in writing of your intended date of termination. Most consumers assume that if they decide to terminate the policy at the end of the coverage period, they can simply ignore the bill. Insurance companies don't see it that way. They will send you another bill for the next premium payment, and when you don't pay it, the company can cancel you for nonpayment, which goes on your credit record.
10. You can wait to add your teenager to your policy until he or she is licensed
In most cases, insurance companies don't require you to add your teenager to your policy until the teen has his or her driver's license. The exception may be if you are in a high-risk insurance pool; you may then have to add your child when they receive their permit.
11. Paying in installments will usually increase your overall bill
"Fractional premium" fees are usually charged when you divide your annual premium payment into installments rather than pay for a year of coverage all at once. It can be as little as a few dollars per payment, but the more you break it down, the more it adds up. When you apply for the policy, ask what the fees are for paying in installments. If you can, pay your annual premium all at once.
12. Your car model affects your premium, but by how much?
Auto insurers have a premium-rating system for every car model, usually based on "Vehicle Series Ratings" (VSRs) received from the Insurance Services Office (ISO). This rating indicates how comparatively expensive your vehicle should be to insure. Factors include susceptibility to theft and typical claims losses for the vehicle.
If you are shopping for a new car, contact your insurance company and ask about the premium difference among the cars you are considering.
About Insure.com
Originally founded in 1984 as Quotesmith Corporation, Insure.com owns and operates a comprehensive consumer information service and companion insurance brokerage service that caters to the needs of self-directed insurance shoppers. Visitors to the Company's flagship Web site, http://www.insure.com, are able to obtain free, instant car insurance quotes, instant life insurance quotes, home, business and health insurance quotes from leading insurers and have the freedom to buy online or by phone from any company shown. Insure.com also plays home to over 2,000 originally authored articles on various insurance topics and also provides free insurance decision-making tools that are not available from any other single source. Insure.com generates revenues from receipt of industry-standard commissions, including back-end bonus commissions and volume-based contingent bonus commissions that are paid by participating insurance companies. We also generate advertising revenues from the sale of Web site traffic to various third parties. Shares of the Company's common stock trade on the Nasdaq Capital Market under the symbol NSUR.
DARIEN, Ill., Aug. 25 /PRNewswire-FirstCall/ -- What you don't know about your car insurance policy could be draining your wallet right now. Insure.com, Inc. (Nasdaq: NSUR - News) has revealed 12 factors that may be costing you money.
ADVERTISEMENT
1. You'll pay for your friend's bad driving
If your friend borrows your car and crashes it, you'll have to file a claim with your insurance company. You'll have to pay any deductible that applies and your rates could go up as a result of your claim, especially if you have made other recent claims.
2. Your personal property in your car isn't covered by your auto insurance
Stolen or damaged items like compact discs aren't covered by your car insurance.
3. You may be entitled to payment for sales tax and registration fees for a new car
Most states require insurers to pay sales taxes on total loss settlements. Some states require the insurer to pay it at the time of loss while other states require it to be paid only if you purchase a replacement vehicle within a certain time period. Make your request for a sales tax reimbursement no matter where you live.
4. You may be entitled to a diminished value claim in some states
Diminished value is based on the idea that any car that has been in an accident, regardless of how well the repairs are done, is worth less than the exact same car that hasn't been in an accident. However, most states allow car insurers to use policy language that officially disallows diminished value claims.
There's one way you may be entitled to a diminished value claim: If someone else hits you and you make a damage claim on that person's insurance. That's called a third-party claim and it's possible to get diminished value damages as a third party.
5. You may be able to "stack" your coverage
Stacking uninsured/underinsured motorist coverage means you can collect payment more than once within the same auto policy or across two auto policies. There are two scenarios for stacking: First, if you have multiple cars, you can collect the limit of your UM/UIM policy to cover full payment for damages. Second, if you have more than one policy with UM/UIM coverage, you can make a claim under each policy until all your damages are recovered. Check the language of your policy.
6. Making a claim could increase your car insurance rates, but by how much?
When an insurance company decides to raise your premiums because you make a claim, it doesn't follow any hard and fast rules; many factors are involved. For example, if you make a claim and have a birthday before renewal time, your birthday might bump you into a higher risk category along with the claim.
Some insurance companies have "accident forgiveness" guidelines. When you buy or renew your policy, ask how to qualify for accident forgiveness.
7. If you don't drive much, "usage-based" car insurance could save you money
"Usage-based" car insurance allows you to buy coverage based on how much you actually drive. If you don't drive much, this can save you up to 60 percent on your insurance. Progressive is the first insurance company to offer "pay-as-you-drive" policies through its MyRate program. Your mileage will be measured by a wireless device installed in a car port.
If your insurance company doesn't offer usage-based coverage, inquire about "low-mileage discounts."
8. Your credit history may affect your car insurance premium
Car insurers believe that your credit history is an indicator of whether you are going to make a claim, and price your insurance policy accordingly where states allow it.
9. You must officially cancel your insurance policy when you switch insurers
You can cancel your coverage at any time by notifying the company in writing of your intended date of termination. Most consumers assume that if they decide to terminate the policy at the end of the coverage period, they can simply ignore the bill. Insurance companies don't see it that way. They will send you another bill for the next premium payment, and when you don't pay it, the company can cancel you for nonpayment, which goes on your credit record.
10. You can wait to add your teenager to your policy until he or she is licensed
In most cases, insurance companies don't require you to add your teenager to your policy until the teen has his or her driver's license. The exception may be if you are in a high-risk insurance pool; you may then have to add your child when they receive their permit.
11. Paying in installments will usually increase your overall bill
"Fractional premium" fees are usually charged when you divide your annual premium payment into installments rather than pay for a year of coverage all at once. It can be as little as a few dollars per payment, but the more you break it down, the more it adds up. When you apply for the policy, ask what the fees are for paying in installments. If you can, pay your annual premium all at once.
12. Your car model affects your premium, but by how much?
Auto insurers have a premium-rating system for every car model, usually based on "Vehicle Series Ratings" (VSRs) received from the Insurance Services Office (ISO). This rating indicates how comparatively expensive your vehicle should be to insure. Factors include susceptibility to theft and typical claims losses for the vehicle.
If you are shopping for a new car, contact your insurance company and ask about the premium difference among the cars you are considering.
About Insure.com
Originally founded in 1984 as Quotesmith Corporation, Insure.com owns and operates a comprehensive consumer information service and companion insurance brokerage service that caters to the needs of self-directed insurance shoppers. Visitors to the Company's flagship Web site, http://www.insure.com, are able to obtain free, instant car insurance quotes, instant life insurance quotes, home, business and health insurance quotes from leading insurers and have the freedom to buy online or by phone from any company shown. Insure.com also plays home to over 2,000 originally authored articles on various insurance topics and also provides free insurance decision-making tools that are not available from any other single source. Insure.com generates revenues from receipt of industry-standard commissions, including back-end bonus commissions and volume-based contingent bonus commissions that are paid by participating insurance companies. We also generate advertising revenues from the sale of Web site traffic to various third parties. Shares of the Company's common stock trade on the Nasdaq Capital Market under the symbol NSUR.
MESOTHELIOMA treatment options
A rare survival story in a brush with a rare and deadly cancer (MESOTHELIOMA):
Heather Von St. James calls herself "the poster child for hope after mesothelioma." She has been disease free for 2 1/2 years after a radical surgery and treatment for the asbestos-related cancer -- mesothelioma.
Dying was not an optionwhen mesothelioma attacted, Heather Von St. James says as her 3-year-old daughter, Lily, rushes in and out of the dining room, climbing on her lap, then dashing off again. ¶ But dying was a terrifying possibility when doctors found a lump the size of an orange in Von St. James's left lung when Lily was only 3 months old. The diagnosis was Mesothelioma -- a rare and often fatal form of lung cancer caused by exposure to asbestos.
Now, just over 2 1/2 years after undergoing radical surgery to remove her left lung, the lining around her heart, half of her diaphragm, her sixth rib and a few lymph nodes to be on the safe side, all traces of the cancer(Mesothelioma) are gone.
"I claim cured," says Von St. James.
Dr. David Sugarbaker, who heads the International Mesothelioma Program at Brigham & Women's Hospital in Boston, said Von St. James is a shining example of the progress he is beginning to see in the fight against a disease that traditionally carried a maximum survival of 12 to 18 months.
"I am the poster child for hope after meso," the 39-year-old Roseville woman said.
Sugarbaker, who treated Von St. James, is only slightly more circumspect. "What I can say is that right now in this present moment she is disease-free," he said.
About 2,000 cases of mesothelioma are diagnosed in the United States each year, according to the National Cancer Institute. Unusually high rates of the disease have been reported among men from Minnesota's Iron Range since the late 1980s. The state Department of Health has so far identified 59 cases among mine workers and is planning a study with the University of Minnesota aimed at determining what might have caused the illness.
Sugarbaker said the disease has a 20- to 35-year latency period and traditionally has been diagnosed in people with direct exposure to asbestos, but doctors are seeing more patients with secondhand, nonoccupational exposure
Heather Von St. James calls herself "the poster child for hope after mesothelioma." She has been disease free for 2 1/2 years after a radical surgery and treatment for the asbestos-related cancer -- mesothelioma.
Dying was not an optionwhen mesothelioma attacted, Heather Von St. James says as her 3-year-old daughter, Lily, rushes in and out of the dining room, climbing on her lap, then dashing off again. ¶ But dying was a terrifying possibility when doctors found a lump the size of an orange in Von St. James's left lung when Lily was only 3 months old. The diagnosis was Mesothelioma -- a rare and often fatal form of lung cancer caused by exposure to asbestos.
Now, just over 2 1/2 years after undergoing radical surgery to remove her left lung, the lining around her heart, half of her diaphragm, her sixth rib and a few lymph nodes to be on the safe side, all traces of the cancer(Mesothelioma) are gone.
"I claim cured," says Von St. James.
Dr. David Sugarbaker, who heads the International Mesothelioma Program at Brigham & Women's Hospital in Boston, said Von St. James is a shining example of the progress he is beginning to see in the fight against a disease that traditionally carried a maximum survival of 12 to 18 months.
"I am the poster child for hope after meso," the 39-year-old Roseville woman said.
Sugarbaker, who treated Von St. James, is only slightly more circumspect. "What I can say is that right now in this present moment she is disease-free," he said.
About 2,000 cases of mesothelioma are diagnosed in the United States each year, according to the National Cancer Institute. Unusually high rates of the disease have been reported among men from Minnesota's Iron Range since the late 1980s. The state Department of Health has so far identified 59 cases among mine workers and is planning a study with the University of Minnesota aimed at determining what might have caused the illness.
Sugarbaker said the disease has a 20- to 35-year latency period and traditionally has been diagnosed in people with direct exposure to asbestos, but doctors are seeing more patients with secondhand, nonoccupational exposure
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