You probably have seen the Progressive Insurance ads on television where the spokeswoman asks the man if he is a safe driver and he says in an excited voice yes. Then she says “DISCOUNT.” Well, Progressive Insurance has taken this discount one step further.
They are now offering drivers in Ohio the opportunity to attach even more on their car insurance. What is the catch? They have to allow a Progressive Insurance agent to install a monitoring device within their car.
What will the device monitor?
• Their speed
• How often they apply hard brakes
• How often they drive at night
What will this device then do? Calculate the data received determine if the driver qualifies for extra discounts.
According to Progressive, this arrangement is a volunteer device and will not be set on your car, unless you want to utilize it. They also say that they will not piece any information pertaining to your data with anyone, unless they are required to do so because of an accident.
Why would anyone want to install such a device in their car? They might be decide to do so if they generally drive the speed limit and don’t drive at night. Why? They can save anywhere from 25% to 34% on their insurance payments.
So far, Ohio and twenty other states are participating in this program trough Progressive. They estimate that over 1,000 customers are all ready saving money. The program is called Snapshot.
Yet, progressive is not the only insurance company that is beginning to offer their customers savings through monitoring their driving habits, a bit more closely.
GMAC is offering its customers a savings of 54% for rude mileage through a program that uses equipped Onstar programming to monitor odometer readings.
Safecoast OnBoard Advisor is offering their Commercial drivers various discounts via monitoring programs
Travelers insurance is currently working on some new insurance programs that can monitor their drivers and benefit give them discounts as well.
Is Snapshot or a similar program a good way for you to save some money? Is it a little too big Brother for you?
If you do determine to sign up for a monitoring program, do be sure to ask your insurance one question. Is there any way such a program could actually cause your rates to raise? For instance, would they rates go up if the device found out that you actually go over the urge limit more than you drive under it?
Filed under Farmers Insurance by on Mar 13th, 2011. Comment.
There are several cheap car insurance companies. Listed here are a few and a review of what information is contained on their websites.
Progressive has claimed to be a cheap car insurance company. They offer services such as 24/7 claim service, pet accident insurance, and someone to abet you with buying a car if yours gets totaled, and discounts for a good driving describe and having more than one car insured with them. In completing a quote, individuals are asked to provide the car that they drive, personal identifying information, and whether they have any driving violations. Individuals are then offered a choice of what kind of car insurance they would like, and the amount of money they could pay for each of those insurances, which may or may not be cheaper than what they are already paying.
Geico also has claimed itself to be a cheap car insurance company. Their claim is that 15 minutes could save you up to 15 percent on your insurance. One bonus with Geico is that they do provide all the different coverages that are available and that you the consumer should consider having on your policy. I started a quote from them but became frustrated at the amount of information that they required. Some personal information I was allowed to opt out of giving like my phone number and social security number, but others I was not like my occupation and how distinguished I am paying for my insurance currently. Geico does not provide coverage in Massachusetts.
Allstate is going a different route in being a cheap car insurance company. Their claim is a safe driving bonus for every 6 months an individual goes without an accident they can earn up to 5% of their premium. They can also earn money off of their deductible. Individuals can also receive a quote online.
Plot Farm can also be considered a cheap car insurance company. They offer to their individuals information such as how great insurance do they need, what affects the price of their insurance, what are coverage and deductible options, and auto insurance discounts. They offer discounts for Multiple Vehicle, Multiple Line, New Vehicle Safety, Accident Free, Anti-Theft Map, Defensive Driving, Suitable Driving, Good Student and, Driver Training. Individuals can obtain a quote online in about 15 minutes.
Nationwide is also a cheap car insurance company, because they claim that you can save up to $500. They offer 100% guarantee on repairs for as long as you own the vehicle. They offer 24/7 claim service. They also offer free On Your Side Reviews to attend you with choosing discounts and coverage that are right for you.
Amica also claims to be a cheap car insurance company. They do not offer much information about their auto insurance online. However, you can complete a quote online.
Esurance offers the most information about cheap car insurance companies. Esurance allows individuals to obtain a quote that compares auto insurance rates. This allows the individual to pick the best insurance information for them. Individuals can then buy the policy right online. Esurance claims that if another company offers a cheaper rate you can purchase the policy.
Filed under Auto Insurance Reviews by on Feb 26th, 2011. Comment.
When shopping for a new automobile in the state of Wisconsin, a whole lot of shoppers overlook they should accept insurance quotes prior to buying a car or truck. It’s understandable both new and used car shoppers often have so many things going on at the same time, that getting insurance coverage quotes for their next potential car or truck does not come across their minds. As in any other state in Wisconsin you will find two main options you can easily employ in order to to obtain affordable car insurance quotes. The first method is by calling an insurance agent. The second method is to look for insurance coverage rates on the pick up. In this post we’ll explain which intention is certainly the most optimal if you are looking for Wisconsin’s lowest priced car insurance quote.
To begin with let’s take a glance at finding price estimates using insurance agents. This is a traditional method of approaching an order, which drivers have been using for many decades. The enormous pro of this way is that you’re able to chat to an precise human being, who you are able to ask several questions about auto insurance. However, if you wish to locate Wisconsin’s most inexpensive insurance premium, you will have to give a call numerous insurance coverage agents. Even though a number of insurance agents do work with several insurance providers, it is very rare that they are going to get you with trace estimates from multiple auto insurance companies as they are too busy to do that. So you would need to assume more than one hours on the phone. This could easily become a several-day matter. In the time of advanced information technologies, there obviously is an easier way in order to deal with this issue out there.
A better solution is using a PC and searching for auto insurance quotations. What you want to find is an online site that has a capability to provide quote comparison for various insurance coverage companies. By doing this it is possible for you to to find not one, but multiple Wisconsin auto insurance quotes from different insurers right away. In less than ten minutes, you can obtain more than a few rates that you should easily compare to pick the lowest car insurance quote. In the age of computers and World wide web, looking online for vehicle insurance is certainly the device to go.
If you have basic computer skills and understand how to browse the internet, the 2nd approach is definitely the most optimal for you. It’ll not only save you few hundred dollars, but also tons of time. And if you do have a few questions on insurance coverage, feel free to find it on Yahoo, as web has answers to almost anything.
Filed under Auto Insurance Quotes by on Feb 24th, 2011. Comment.
Car insurance when you get older can be rather tricky. Now that you may be living on a small income you may have to do some comparison shopping to find the best auto insurance policies available. Here are some great tips on how to save money while getting the best auto insurance rates for seniors.
As a person ages they drive less so it stands to reason if you haven’t had any accidents your rates tend to lower. However, for income reasons it is still best to comparison shop for the best insurance quotes when it comes to any type of insurance, especially auto. The first thing to remember is nobody can be turned away for car insurance because of their age. However, if they let their license lapse, they may be required to take an exam before they are able to get their license renewed.
It is famous to get insurance quotes from several different companies before deciding on your auto insurance choice.
Taking a driving course or purchasing a car with additional safety features can save money on your insurance rates.
There are several auto insurance companies that specialize in insurance for seniors such as AARP and AAA.
Sometimes employers or church groups may offer a group insurance rate that will save money on auto insurance policies.
Sometimes local insurance agents can offer lower rates than other auto insurance companies, it is always good to look at several different avenues to find the best policy quotes.
Many seniors are driving automobiles that they have had for many years and sometimes the deductible on a certain car many cost more than the car is worth. To get the best senior rate you may need to choose a higher deductible for your automobile.
Your insurance rates are adjusted according to your zip code. If you own two homes and exhaust the same amount of time in each home, you will need to choose to list the car insurance in the zip code that will give you the best rate.
Most seniors never want to give up driving, however sometimes due to health reasons it may become necessary to give up driving. People sometimes continue paying for car insurance policies even after they never drive anymore due to health reasons for fear they may need to drive someday. The cost far outweighs the serve and if you do have to drive one day, you probably wouldn’t be able to due to medical reasons, so let the insurance and car go. Use senior taxicabs, family members or friends. The money you save by no longer having a car will easily pay for your trips here and there to the store and doctor appointments.
Some pleasant insurance companies that offer good rates to seniors are AARP, Progressive, Allstate, Farm Bureau, Geico and State Farm.
Make sure you obtain all the quotes you can and thunder them what you can pay, sometimes as with Progressive they can work around your priceline. Geico has a senior discount program and many other insurances do as well.
References for this article include: www.nscddconline.com/geicosenior/
www.insurancefinder.com/autoinsurance/seniorauto.html
seniorautoinsurance.org/
seniorjournal.com/NEWS/Discounts/2007/7-06-28-SenCitCanFind.htm
Filed under Auto Insurance Reviews by on Feb 22nd, 2011. Comment.
Vandalism is defined by the Mirriam-Webster dictionary as willful or malicious destruction or defacement of public or private property. What isn't well known is that the term Vandal comes from the word Vandilii which refers to a Germanic tribe who once established themselves as a major force over a large part of North Africa around 429 A.D.
You might be asking yourself at this point, “What the hell does this have to do with great customer service? ” Well, when your property gets vandalized I'm sure one of the first thoughts that goes through your mind is, “Who could have done this? ” Of course it's not the Vandilii tribe but vandals still mosey our streets destroying property. The next thing that goes through your mind is, “I have to call people for abet!”
I recently had an experience with vandals and if it hadn't been for the ample customer service I received that day from several sources there's no doubt my day would have been hell on earth. Let me tell you about it.
One Sunday morning my wife decided to get some groceries and so she jumped into one of our Honda Elements and proceeded to drive away. She was able to get out of the driveway but realized something was base foul. As I was sitting on the floor playing with our children I saw her come in and knew something was wrong by the look on her face. She then told me that the car had been vandalized so I quickly went outside to have a look. Three of our tires had been punctured, the rear end had been egged and the antennas on both our Elements had been stolen. I though out loud, “Who the hell did I piss off!” I stood there pondering our dilemma when I happened to glance over at the neighbors car and wouldn't you know, they had a flat tire also. Whew! Maybe I wasn't such a jerk after all. One can only hope. This prompted me to choose a walk around the neighborhood and I found seven cars with flat tires and a few with egg on them as well. I made up my mind and called the police.
Now begins my journey into the world of customer service. I imagined the police officer that would arrive would be frosty, distant yet efficient. He was efficient but I was greatly surprised at how well he conducted himself. I didn't expect him to be rude but I understand the police have to distance themselves in order to do their job. Officer Valverde was anything but. Officer Valverde arrived on the scene and took my information first because I called and he was kind and conducted himself professionally with a dash of empathy.
The morning was shot to hell and surprisingly I didn't feel indignant or stressed. The contact with Officer Valverde had put me at ease and allowed me to get on with my day. The next step we took was calling our insurance company State Farm. Well, not call but file a claim online. It was Sunday and we knew we wouldn't be able to instruct with a claim rep until Monday morning so we consigned ourselves to file a claim and wait. The plight was we hadn't logged into our account for years and didn't know our security questions. Who the hell can remember what color their first car was? Apparently everyone but us can. Anyway, we called the assist line and got connected with Marlene from State Farm Internet Support. Marlene was fantastic! She was able to help us get logged into our account and she even laughed at my jokes. When I finished with Marlene my wife and I realized that we didn't need to log into the anecdote to file a claim. I didn't feel it was a waste of time because I had such a astronomical time talking to Marlene who only made the day better.
So our claim was filed and we were instructed to wait for a call from the claims office during normal business hours. If you're like me then you know how hard it is to wait for a call back. Promptly at 8 a.m. the next day I took matters into my gain hands and called the claims office. You see I had to work later that evening and it would be hell without a vehicle. The young girl who answered the phone told me Katy Pauly with Area Farm claims would be calling me back as soon as she could. I immediately thought, “Oh! Great! I'm going to have to wait a few days for the call back.” I was method wrong! Katy called me 15 minutes later and walked me through the process. She helped me select a repair facility and car rental agency. I asked if I should call them myself and she said no she was going to send them documents and they would call me. Aye! More waiting? I was done with Katy and felt relieved that things were getting done plus the fact that Katy laughed at my jokes.
It was still early so I thought I'd sit back and have a cup-of-joe but that was not to be. Ten minutes later I received a call from Cross Country Automotive Services
Approximately ten minutes later I received an automated message stating that the towing company Sohle Express Towing located at 1109 Mohegan Lane in El Paso, Texas (915) 585-6800 would be sending a driver to my home in about 20 minutes. Wow! That was fast but I still had time for coffee, right? Wrong! Eight minutes later I get a call from Chris the tow truck driver who tells me he's outside waiting to hook up my car. Incredible! I grabbed my coat and keys and ran outside. Positive enough Chris is standing by his truck cool as a cucumber. Chris and I chat as he pulls my car onto the flatbed and soon thereafter we headed off to the repair facility in less than 10 minutes. Chris was great. He was beyond prompt and he laughed at my jokes.
As we arrived to the repair facility Viva Ford Collision Center I didn't know where to go so Chris walked me to the front and delivered me to where I needed to be. Katy had notified Viva that I would be arriving this morning. I thanked Chris and he was off. Probably with a cape and mask rescuing some stranded motorist.
Now here is where the great customer service takes a turn and detours into “We Really Don't Care About You” land. I understand that sometimes people in the customer service industry have bad days so I didn't build to distinguished into my initial experience here. I had never dealt with Viva Ford located on 5550 North Desert Blvd in El Paso, Texas so I wasn't distinct what to put a question to. What I got was a slow entertaining machine that walked through the paces one second, one little, one hour at a time. I signed up at the front office and was told the estimator would be right with me. As I sat there other customers arrived and stated their case. Viva employees came, did their business and sent them on their way. I sat. And sat. And sat. After the 5th customer who had arrived after me was done doing their business I got up and asked if it would be much longer. The girl behind the counter hesitantly told me that she thinks the estimator had gone out to the car. What? Without me? Apparently so. I go back and sit and wait another 20 minutes before Pete my estimator calls my name. He says hello in a lack luster way and hands me some papers to sign. He tells me they will call me as soon as they have information on repairs. That's it. I am dismissed and I tilt my head sideways like a dog who doesn't understand. He glances up at me and stares me in the eye. I guess I'll have to make the first move. “That's it? ” “Yes. We'll call you.”
I left Viva Ford as I imagined a cat would after it's been hosed. I walked away thinking to myself “Well they can't all be State Farm or Cross Country Automotive Service or Sohle Express Towing and I decided to engage myself up and continue on my quest to get things done by noon. I then called Enterprise Rent-A-Car located on 5385 S. Desert Blvd in El Paso, Texas (915) 845-0268 whom State Farm I'm sure had already contacted. I began speaking with Paul who told me he was expecting my call. I told him I had just finished with Viva and would be walking to their lot. He told me to sit tight and that he would come and get me.
Five minutes later Paul pulled up and we were off. Paul picked me up in this little 4 door model that was nice but too small for my family of six. He explained after arriving to his office that this would be the car I would be using because it fell within the covered amount under my insurance plan. I asked him if they had anything bigger within my price range. He looked at his computer and told me they had a 2010 Chevy Silverado which seats six rather nicely but that it would be $4.00 over my coverage. Now, you might be thinking to yourself that four bucks is nothing but it can add up should the repairs bewitch too long. After what I had impartial experienced at Viva Ford I wasn't at all confident they would be rushing to finish the repairs. I told Paul to forget it and that I would assume the matchbox model he previously offered.
I guess Paul could see the disappointment in my face and stated with confidence, “I'll tell you what I can do. How about I knock off $2.00 on the total for the Silverado and you'll only pay $2.00 a day. How's that sound? ” It was a great gesture but I really didn't want to go over my coverage so I thanked him and said no. I saw him square his shoulders and I could see he had made an executive decision. “I'm going to take off the $4.00 completely on the Silverado and give it to you under your coverage cost.” Well knock me down and call me Shirley. Again I was amazed at all the great customer service I had been receiving this day. I thanked Paul profusely as he wrote up the transaction, A few minutes later I drove off the lot in that hulking piece of shiny metal and felt good all over again.
As I arrived home I looked at my watch and wouldn't you know, it was just before noon. As I sit here writing this story several days later I have yet to hear from Viva Ford. I called them a few days ago and was told they were buffing out the egg on my car but they still had to inspect the tires. Seriously, how long does it take to check and replace tires? Anyway, I'm unexcited in a proper mood and would like to thank the El Paso Police Department and Officer Valverde, State Farm and Marlene and Katy for taking care of me and my family. I will continue to be a loyal customer. I want to thank Lakisha with Cross Country Automotive Services and Chris with Sohle Lisp Towing for their fantastic efforts. Lastly, I'd like to thank Enterprise Rent-A-Car and Paul for going above and beyond what customer service should be.
I highly recommend the people I've thanked and the companies they work for. Gargantuan job!
Update:
I hadn't heard from Viva Ford again and the other day I was driving by so I decided to cessation and check the status of my car. As I pulled into the lot I see my vehicle being driven away. I thought to myself, “Yes! They're taking it for a test drive. It has to be ready.” So I go in and ask for Pete who's (mis-handling) the repairs and after a short wait he comes out and stands there staring at me. I examine encourage a few seconds then tell him I just saw my vehicle being driven away and want to know what's going on. He tells me that the car is being taken to another shop so they can check the tires. What?! I can not believe Viva Ford can't afford to buy a large bin, absorb it with water, submerge my tire to see where the air is leaking and repair or replace my tires. It's been two weeks. Just incredible. At least I have some good experiences from this whole fiasco and a unbelievable insurance company like State Farm to recall care of me. http://www.crosscountry-auto.com/ and spoke with Lakisha who was going to site me up with a towing company. Lakisha was quick and professional. It surprised me how efficiently Lakisha did her job. It was poetry in motion. Again I was told I would get a call from the towing company I had just selected. I didn't want to jinx myself so I said out loud, “Great! More waiting.” I was wrong again.
Filed under State Farm Auto Insurance by on Feb 19th, 2011. Comment.



