SafeAuto Insurance Offers Tips for Thanksgiving Travel

SafeAuto Insurance Company offers tips to make sure drivers - and their cars - and are ready to be able to make in the long run, the feast of Thanksgiving. SafeAuto, the company provides that the minimum insurance cover uninsured drivers, provides advice to consumers based on more than ten years of experience in the automobile insurance industry.

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"Traveling to see family and friends on Thanksgiving is the American tradition, and this year in the economy and cost cutting top of mind for all drivers," said Jon P. Diamond, president of SafeAuto. "SafeAuto proud to maintain our customers legal for less and helping all consumers" Play It Safe ". With the following tips Safe Auto's, drivers have the highest chance of reaching out to their Thanksgiving destinations with a minimum of hassle."

Auto recommended securing the following tips to ensure a safe, successful Road Trip:

- Carry out the necessary repairs and maintenance. Cars that appear to be minor problems during high-speed drives around town may become a serious problem during the long journey. If the vehicle has been in small, unreported accidents that have an impact on productivity, please contact your auto insurance provider to see what can be covered by repair works.

- Check the various accident liability laws of countries along the route. This is a good idea to be prepared for the consequences of what happens after the accident in any country, even if you are unlikely to have one.

- Winterize your car. Tire pressure monitor. Cold air causes tires to contract, reducing traction. If traveling in the area prone to heavy snow, invest in tire network. Make sure that Windshield wipers are in good condition and wiper fluid is topped off. Similarly, ensure that your car window defrost vents are clear and functioning, and the rear window defoggers.

- Make sure that auto insurance is valid. Do not leave on a trip without your insurance premium paid and, if necessary, make arrangements to pay at the time of travel, if scheduled payments will be due. If the insurance policy does not lapse, a current carrier will not renew it, be sure to get insured before getting a circle.

- Be prepared for the split. Even the most reliable vehicle may develop engine problems, get flat tire or lose its battery charged. Make sure that water and snacks, activities aimed at addressing child travelers, as well as emergency plan including access to a mobile phone fee, road markers and roadside assistance.

- Let people know your itinerary at home and at your destination.


For more information, visit www.safeauto.com

Car Insurance Stands to Rise

Thousands of Georgia drivers can see them in substantial increases in auto insurance rates - as many as 81 percent for some - such as insurance companies begin fixing its own rates under a law that came into force on 1 October.

Who's Going UP?

Nineteen insurance companies have set new rates that renewal or new customers will encounter, 14 enacting increases averaging between 2 percent and 11 percent, depending on the state Insurance Commissioner's Office.

The increases are much higher for some drivers. A 28-year-old man with a DUI conviction, accident or other infringements, which is insured by the Central mutual What can you expect the rate to climb 81 percent.

Drivers insured by 21st Century Insurance Co. will see their rates climb at least 9 percent, up by 7.5 per cent increase in the insurer received in August, when the state still had authority to review and approve insurance rates earlier.

"We are seeing a lot of companies coming in very serious fluctuations," Insurance Commissioner John Oxendine said.

The biggest increase from 24.5 per cent and 81 per cent, would affect about 60,000 drivers.

Six of the companies raising rates, in the 21st Century, are owned by insurance giant American International Group, or AIG, which is in line for the multibillion-dollar rescue of the government. AIG officials did not respond to a request for comment. \

WHO'S NOT GOING UP?

The four companies will lower their rates to a fraction of a percent, including State Farm Mutual Insurance Co. Association, the state's largest insurer with 1.4 million policies. Lincoln General Insurance SA will cut rates the most, by 10 percent. \

Why change the law?

When state lawmakers debated the law, supporters said allowing insurers to set their own rates would spur competition and improve prices for consumers. It passed the House and Senate with only 13 votes against.

Mr. Oxendine fought the change, which was added to the bill to allow drivers to enhance their insurance uninsured drivers.

Mr. Oxendine said Friday that he doubts the law will be more and increased competition.

"These companies may come back every few months and raise rates if they wish," said Mr. Oxendine. "I think that the key will be what happens next year."

Sen. Jeff Chapman, R-Brunswick, voted against the bill. He said he hoped eventually to be carried out rates down.

"It is obvious, I do not want to see anyone get taken advantage of," Mr Chapman said.

AIG to Rebrand US Auto Insurance Unit to 21st Century Insurance, and Cut Jobs

American International Group, which has been bailed by the U.S. government, plans to remove its name from the AIG unit of U.S. auto insurance, aigdirect.com and rebrand it as a 21st Century Insurance in January 2009. Auto unit also plans to cut 6.6% of its workforce.

According to media reports, Nicholas Ashooh, spokesman for American International Group (AIG), said that the change of name is to reverse at AIG, which has acquired 21st Century in 2007. The company expects to launch the new logo and website on 5 January 2009.

Bloomberg announced that the auto insurance unit employed around 5500 workers by the end of September 2007. Earlier, in a statement to its employees, AIG said that it plans to close offices in 12 cities.

Ukraine Insurance Market Could Decrease By Third in 2009

The number of insurance companies in Ukraine may be reduced by one third in 2009; the chairman of the National Commission for the Regulation of Financial Market Valery Alyoshiin said a press conference in Kiev on Thursday.

"For the moment, most contributions are collected by a third party to the market, which means that there are more than 150 companies, which define the Ukrainian insurance market and therefore, if one third or half the number of left disappears beyond this limit, there will be no significant changes in the portrait of the Ukrainian insurance market, "said Alyoshin

More accurate data will be received at the end of 2008 - in the first quarter of 2009, he said.

30 September 2008 in Ukraine was 475 registered insurance companies, he said.

The total amount of premiums collected by the Ukrainian insurance companies may be reduced by 10% in 2009 compared to 2008 the expected rate Alyoshin said. "[It] is not a scientific assessment on the basis of certain methods, but the assessment to reflect existing trends," he added.

"Everything depends on many subjective factors," said the head of the Commission.

"There will be no serious downturn, if we manage to employ administrative leverage in auto insurance, and to establish control over mortgaged property insurance, insurance, because today covers only the first year of the loan," Alyoshin said

Auto Insurance Rates Increase Hikes of 2 to 11 Percent Common

Thousands of Georgia drivers can see them in substantial increases in auto insurance rates - as many as 81 percent for some drivers - insurance companies how to start fixing its own rates under a new law which came into force on 1 October.

Nineteen insurance companies have set new rates that renewal or new customers will encounter, 14 enacting increases averaging between 2 percent and 11 percent, depending on the state Insurance Commissioner's Office.

But the increases are much higher for some drivers. A 28-year-old male with the DUI conviction, accident or other infringements, which is insured by the Central mutual What can you expect the rate to climb 81 percent.

Drivers insured by 21st Century Insurance Co. will see their rates climb at least 9 percent, up by 7.5 per cent increase in the insurer received in August, when the state still had authority to review and approve insurance rates earlier.

"We are seeing a lot of companies coming in very serious fluctuations," Insurance Commissioner John Oxendine said.

The biggest increase from 24.5 per cent and 81 per cent, would affect about 60,000 drivers.

Six of the companies raising rates, in the 21st Century, are owned by American International Group, or AIG, which is in line for the multibillion-dollar rescue of the government. AIG officials did not respond to a request for comment.

The four companies will lower their rates to a fraction of a percent, including State Farm Mutual Insurance Co. Association, the state's largest insurer with 1.4 million policies. Lincoln General Insurance SA will be to reduce the rates the most, by 10 percent.

When state lawmakers debated the law, supporters said allowing insurers to set their own rates would spur competition and improve prices for consumers. It passed the House and Senate with only 13 votes against.

Insurance Commissioner John Oxendine fought the change, which was added to the bill to allow drivers to enhance their insurance uninsured drivers.

Oxendine said Friday he doubts the law will be more and increased competition.

"These companies may come back every few months and raise rates, if they want," Oxendine said. "I think that the key will be what happens next year."

Sen. Jeff Chapman, R-Brunswick, voted against the bill. He said he hoped eventually to be carried out rates down.

Consider Minimizing Auto Insurance to Save Money

Cash-strapped consumers looking to save money, dropping coverage on a second or third vehicle might be the way to go.

But auto insurance industry officials and consumer advocates say there are other ways to save money on insurance without scrapping the vehicle or leaving it unused altogether.

With the economic slowdown, some consumers are having a tougher time paying their auto insurance bills, said John Asmussen, an agent with Farmers Insurance in Bend.

"The cash crunch is certainly hitting all kinds of people," Asmussen said. "We are processing a few more extensions than in the past. People are more conscious of their rates when they get their renewal bills."

In some cases, people with multiple cars are dropping coverage on some of their vehicles to save money, Asmussen said. Others are postponing when their teenage children get their license so they can save money, he said.

Insurance companies that cover commercial businesses also are seeing drop-offs in auto insurance coverage from companies when they reduce payroll, said Kathy Wuest, a partner in Lumberman's Insurance, an independent insurance company in Bend.

Commercial coverage is driven largely by gross payrolls, some of which have taken a hit by a marked slowdown in the real estate industry, Wuest said.

Commercial contractors who have 15 employees would pay potentially thousands of dollars more on their liability insurance than employers with only five employees, Wuest said.

"There's a ripple effect," Wuest said. "There is hardly a commercial account that is not impacted in some phase."

Lumberman's has not seen a noticeable drop in insurance coverage among residential accounts, Wuest said.

"We have not seen any mass cancellations," she said. "Everyone has to have auto insurance. Whatever limits they had prior, they are sticking with them."

In Oregon, drivers can save up to 25 percent on their auto insurance by subscribing to a pay-as-you-drive program only offered in the state - so far - by The Progressive Group of Insurance Cos..

Progressive's program, called MyRate, converts a portion of a customer's annual insurance premium into a per-mile fee. The program was introduced in January 2007 in Oregon, said Leah Knapp, Progressive's Cleveland-based spokeswoman.

In order to be eligible, drivers must own a vehicle that is 1996 or newer and sign up directly through Progressive, Knapp said. Drivers who sign up for the voluntary program get a tracking device installed in their vehicles that measures mileage and time-of-day driving for determining rates, Knapp said.

Progressive cited National Highway Traffic Safety Administration data in measuring time-of-day driving.

"We know that more accidents occur at certain times of the day, so we can reward drivers who do not drive their vehicle as many miles during these times," Knapp wrote in an e-mail.

They can save an estimated $ 188 on a $ 750 policy, according to Progressive.

"It's not for everybody," said Knapp, responding to concerns about privacy raised by some consumers. "It's strictly a voluntary program. The device is not tracking where you are."

So far, about one-third of eligible Progressive customers have signed up for the program in the eight states, including Oregon, where it is offered, Knapp said.

So far, only Progressive has implemented the program, although many companies offer discounts for driving less, said Chris Hagerbaumer, deputy director for the Oregon Environmental Council, based in Portland.

Oregon is one of a handful of states to offer tax incentives for auto insurance companies that implement pay-as-you-drive programs, Hagerbaumer said.

An extension of an existing pay-as-you-drive incentive is part of Gov..

Ted Kulongoski's 2009 transportation plan, which would provide research and development tax credits to companies to help pay the costs of implementing the new program, according to the Oregon Insurance Division.

"Some other companies are in the late stages of research and development work that will take advantage of the tax credit," Hagerbaumer said. "It is our hope that the tax credit will be extended because it could help reduce mileage and accidents in the state."

Drivers who want to save money on their auto insurance should take a look at their coverage every year, said Ron Fredrickson, manager of consumer advocacy for the insurance division of the state's Department of Consumer Business Services, based in Salem.

Dropping collision coverage on older cars and dropping some coverage’s makes sense when it comes to saving costs, Fredrickson said.

"As cars get older, it does not always make sense to pay significant premiums for collision coverage because you're not going to collect as much," Fredrickson said.

Some cars, such as high-performance or "turbo cars," cost more to insure. Their costs of coverage are determined by typical losses experienced on them by insurance companies, he said.

INSURANCE TIPS:

- Talk with your agent or insurance company about insurance costs before you buy a car. Certain makes and models, especially sports cars, are higher risks for insurance companies and cost more to insure.

- Ask several companies for quotes. By shopping around, you may find several hundred dollars' difference between quotes. Be sure to compare identical coverages when comparing policies.

- Drop collision coverage on cars that cost more to repair than they are worth. For example, consider carrying only liability coverage for cars valued at less than $ 1000 Increase your deductible. Take the highest deductible you can afford on collision and comprehensive coverage.

- You can save money on auto insurance by taking advantage of discounts, such as: two or more cars on a policy, combined auto and home insurance on the same policy, and child younger than 25 and has good grades in school.

- Discounts also are available for drivers who have completed a defensive-driving course, are between ages 50 and 65, and have a vehicle with air bags, an anti-lock braking system, other safety equipment, or anti-theft devices.

- Under Oregon law, an insurance company can use only the last three years of your driving record when deciding whether to issue or renew a policy or determining your premium. If you've had an accident or a violation, and your rates have gone up or your policy has been assigned to a nonstandard insurer, talk with your insurance agent or company.

- If your teenagers do not own cars, make sure your insurer understands cars which they are going to be driving and whether it will be occasional or principal use. If they do own cars, consider covering them under your policy. Otherwise, they'll probably have to pay higher premiums.

- Avoid performance or "turbo cars." A turbo engine can add more than 10 percent to your premium.

People with questions or problems with their coverage can contact the Oregon Insurance Division's Consumer Advocacy Unit toll free for help: 888-877-4894.

Source: Oregon Insurance Division's Consumer Advocacy Unit

CarInsuranceList.Com Considers Stability of Insurers in Current Credit Crisis

Although the media shows that lending and investment institutions are the only company shaky on the ground as a result of the credit collapse, the aftershocks of this event are felt in all sectors of trade, including car insurers with less than AAA S & P rating. While waiting for the third quarter earnings reports, which may reveal the insurers, who will have difficulty meeting their financial obligations, CarInsuranceList.com added a section on "Assessing the financial health of your Car Insurance Company to its existing car accident statistics, insurance, car research articles, Auto insurance quotes, insurance company and opinion.

"Nobody can keep up with all this confusing and frightening without the help of financial news," said Jon Davidson, CEO CarInsuranceList.com. "We are all trying to make the best decisions we can save money, and protection against future disasters. Something like your car insurance company bankruptcy may be the fact that a small headache, simply do not need now."

In the case of bankruptcy of the insurer, policy holders should contact the company to find out the status of their individual coverage and the company itself. Confirm that the information on the state department of insurance. Find out which insurer has been assigned to cover the policy and immediately talk that the rescue company and negotiate the terms of the new policy. If you have a claim in progress, make sure that "a state guaranty association will cover the payment.

"These safeguard measures self-employed are not complicated," Davidson said, "but a majority of policyholders will never have the need to learn how to cope with the situation of bankruptcy, or do not know that almost all states have mechanisms in order to cover insurance claims in case the insurer will power. "

Although it is possible that insurance companies will be entitled to sick to receive parts from 700 billion U.S. dollars aid package adopted by Congress in September, there is, as yet there is no guarantee of that fact. "It is better to learn now how to protect yourself and your credit score if your insurer is in financial trouble," said Davidson ", before their pain becomes the pain."

Specialized divisions such CarInsuranceList reflect a commitment to educating readers, as well as to provide them with many cheap car insurance quotes. The request for quote matches a user with an area of the company prepared to meet the requirements of the State for a good price. In addition, readers will find articles on the statistics of automobile accidents, defensive driving, and with "how to" information on topics such as avoiding ROAD RAGE.

The new material is added regularly to all sections of the CarInsuranceList.com. Editors welcome and invite your questions, comments and ideas. Send e-mail to: editor@carinsurancelist.com.

Jon Davidson information contact CEO and President CarInsuranceList.com Santana Towers 3031 Tisch Way, 7th Floor San Jose, CA 95128 Ph 408-554-8990 Fax: 408-554-8996 E-mail: E-mail

SOURCE: CarInsuranceList.com

State Automobile Mutual to Purchase Rockhill Insurance Group

Mutual Automobile Insurance Company state announced today that agreed to purchase the Rockhill Insurance Group of Kansas City, Mo. closing is expected in the first quarter of 2009, subject to approval by regulatory authorities.

Rockhill Insurance Group writes approximately 135 million dollars in specialty property and casualty insurance direct contributions by the four subsidiaries, Rockhill Insurance Company, Plaza Insurance Company, American Compensation Insurance and Bloomington Compensation Insurance Company. Key segments include commercial property, general liability for residential construction, commercial umbrella and surety; RTW, A monoline workers' compensation company, and in absentia, to a third party administrator providing workers' compensation claim and loss control services. Rockhill writes on the basis of activities other than those permitted in 49 states and the District of Columbia, and is licensed under the authorized 42 states and the District of Columbia.

Auto States intends to maintain Rockhill management and associates, operating as a subsidiary stand alone cross-country car. Mutual Association state does not plan to call Rockhill activities of these countries is a car in the foreseeable future.

"Rockhill strong culture of commitment and exceptional leadership team will complement and supplement the State Auto policies and actions," said State Auto Chairman, President and CEO Bob Restrepo. "Rockhill allows us to diversify our earnings base and portfolio of products we offer our partners independent agencies. In addition, we will make use of both talent and technology Rockhill brings to the state family car companies. I am confident that our successful experience in integrating acquisitions and replacement will be seamless addition of Rockhill and successful for our mutual policyholders and associates. "

"Our team is excited to go to the next generation with a partner that embraces our future and our obligations technical culture," said President and CEO Terry Younghanz Rockhill. "Our insurance policies, broker partners and employees can be comfortable that we are moving at a very stable relationship with an exceptional company. We also want to thank HBK and Northaven Management, Inc., which gave us our capital and business leadership during the first three years of operation" .

KeyBanc Capital Markets acted as financial advisor to the State Mutual Association in this transaction, and Benfield Advisory acted as financial advisor to Rockhill Insurance Group.

State Auto Insurance Companies, based in Columbus, Ohio, are engaged primarily in writing personal and business insurance products exclusively through approximately 3,400 independent insurance agencies in 33 states, and are proud to be Trusted Choice (R) company partner. State Auto Insurance Companies include State Auto Financial Corporation (NASDAQ: STFC) and the Association Mutual Insurance Company, which is one of only 13 companies, which are to be evaluated (Superior) by AM Best Company every year since 1954.
Additional information can be found online at StateAuto.com

6 Questions About Car Insurance

Each car has insurance on their vehicles. After all, it's right, right? But how many really understand what their car insurance is, how it works, and what is likely to affect the amount you pay on your contributions? Here is a look at some of the most frequently asked questions about auto insurance.

1. If the file will be my claim to obtain insurance more expensive? Car insurance companies expect everyone to make mistakes, and then as now. Well, you should not see its growth rates for the first Fender BENDER have. If you have another wreck, you may begin to see, because growth will be seen as less secure driver's eyes in a car insurance company.

2. What are the deductibles? Deduction to the amount you will have to pay before the insurance company will pay for the claim. If you are deducible for 250 dollars in the car insurance, and wreck leads to 750 U.S. dollars of compensation will have to pay 250 U.S. dollars before starting a car insurance company will kick in and pay the remaining $ 500.

3. Is my car insurance company cancels my policy, because I am in the wreckage? Usually this is the response to it. A wreck may mean you can see growth rates, but often is that the response from the insurance company. Exceptions to this rule, if you were to do something illegal, when you wreck (such as being under the influence), or have a number of failures piling up traffic. When you run multiple filing of claims or have a bad history of motion can be canceled, because they are perceived as a dangerous driver.

4. What do bodily injury coverage? Personal injury protection coverage is a plan that will protect you if someone is injured in the wreck and tries to sue for damages.

5. What does not imply guilt? No guilt is a distinction many countries have in terms of auto, insurance companies have to be covered. If you can not imply guilt, regardless of who is responsible for the wreckage will have to rely on your own insurance company to pay for the damage. This means that you have to make sure that adequate coverage to pay what may be needed in the wreckage.

6. What's Personal Injury Protection? If they were in ruin and people injured in your car or another vehicle, the protection of personal injury, car insurance will pay for medical equipment, hospital, and even funeral expenses for those injured or killed.

History of Auto Insurance

This new type of insurance was created in the late 19th century. As soon as the first started driving their car owners quite mysterious that at the time and the newly-invented the means of transport was a problem - it was absolutely necessary to ensure peace for both drivers and pedestrians. In this way, the car insurance was intended to protect them against any damage caused by car accidents, which may endanger the life, health or property at risk. But at this time there was a number of insurance companies and concepts, such as health, life and property insurance has been long in existence. Thus, no one had to "reinvent the wheel" - they simply need to apply the old rules to the new framework.

That's what TIC (Travelers Insurance Company) Is in 1898, when the insured Truman Martin's providing him a car at a range in value of $ 500 and initiate an era of auto insurance.

Even if the first car insurance Truman was actually meant to protect the car from damage caused by horses instead of cars, twenty years later, when the large transport flooded towns and required the invention of the highway, auto insurance eventually to compensate for losses caused by collision with another vehicle. This car, when the owners were obliged to buy compulsory motor insurance for the first time, which gradually brought about some significant legal changes, economic and political systems in all U.S. states

Auto insurance companies began to rapidly spread throughout the United States and European countries, as a new kind of business to keep growing in the blinding pace of productivity in the first half of this century. However, car insurance has been developing by fits and starts during the 20 century, because in those days, like today, it was quite dependent on the state and development of automotive market the same in every country. In connection with what is fixed in the automotive industry was followed by a period of retrogression in the auto insurance business. As soon as the car market experienced another sales slump, there were no customers to purchase car insurance policies.

In fact, that mechanism has proven to be true not so long ago, when the impact of high gas prices in the automotive industry and auto insurance at the same time. However, the relative stabilization of gas prices, which recently witnessed is beneficial for most auto insurance companies. This makes us believe that over a period of decline in auto insurance development should be over by now.

Best Help For Getting Cheap Auto Insurance Quotes

Given the speed with which a policy growing in almost everything nowadays, it would be wise if they follow the advice that you get from this article to be able to use them to get cheap insurance quotes easily and save a little money.

If you have more than one car, it is very profitable to use one of insurance, which probably will write two vehicles in the same policy and gives you discounts car, but there are several companies with which it may not always be the case.

You can also save money if you increase the deductibles on your comprehensive and collision premiums, but before you do, make sure that you have saved up enough to deal with such as increased deductibles If you increase the deductible from $ 500 to 1,000 U.S. dollars your premium will be reduced to about $ 50 for the policy six months and will save about 100 dollars a year. But if you must file a claim within the time limit, no additional savings will be put in place tight to provide the necessary $ 500 in deductibles. It will be worth it to spend a moment where some save several hundred dollars a year by increasing its deductibles.

If a record low pass and you are honest about it, you will have a discount on their premium, but if it is discovered that you are fraudulent in your estimation kilometers company may refuse to cover the backup. Want to start getting cheap auto insurance rates?

Best Way to Reduce Your Auto Insurance

You are legally obliged to auto insurance, if you must drive, and if not, the consequences in the event of an accident can contain his license is revoked. While auto insurance is expensive, it has to be.

Currently, there are ways to lower rates if they are my suggestions. If you own or drive an old car, which is not much more value, it will be advisable to purchase the insurance. This is the minimum insurance required by most other countries. At this time, we do not need comprehensive or collision coverage possible, but you need to know that although most of them can not demand to have insurance to set the minimum, if they are involved in an accident and does not cover costs, can be sued if you do not pay the difference. Therefore, it is wise to have a coverage policy that will take casualties and still have to pay less.

If you have life insurance and home owners' insurance policy already running, you'll pay if you use the car in the same insurance company. It is very likely that your insurance company would reduce its rate of return, because you have a lot of them work policies. The best thing to do is ask to hear. Ask unions are on the consultation with the discounts, which are due for a number of policy coverage. Where to start saving and / or obtain the best deal on your auto insurance?

Online Savings Can Be Made For Motor Insurance

Internet revolutionized the way we do things and buy a car insurance on-line is no different. Of the three types of motor insurance products to choose from, those using the power of the network, you are able to get to the policy that suits your needs.

You can compare premiums and benefits policy online - or let a specialist broker to do this on your behalf. This is certainly much easier than the ringing of the insurers or traipsing up and down the High Street is looking for great concern insurance.

So, you have to know when considering car insurance? Well, first of all, there are three types.

A fully comprehensive insurance protects your vehicle for accidents caused by your injury, as well as to other vehicles and third parties. Due to the protection given to cost more than other politicians. A third fire and theft (TPFT), would give the claim if your car is stolen or damaged by fire, as well as covering any damage or injury to a third party or their vehicles. While a third person is only the cheapest and does not include what it says on the tin. Does not provide any protection for your vehicle.

Why do you need insurance?

Lack of insurance means many communication problems, of which at least would need to find money for repairs. You will have to face the consequences of driving on roads in Great Britain without coverage. Having a car on the spot would be to stop all this.

You do not have to pay from their own pockets with insurance and would not have to face the consequences are not insured. Your policy might include such as theft, fire, legal and medical costs as a result of the accident.

Specialist car insurance website will appear in a wide range of UK insurance companies, and then present you with some motor insurance options, which could lead to the cheapest deal.

The introduction of cheaper cover

You can affect the insurance if you pay with a few simple tips:

* All insurers will have to pay so much surplus. However, if you offer to pay more than you can lower the cost of premiums
* Fitting additional security measures, such as steering wheel lock, immobilization of your car, and even keeping it in the garage than on the side of the road may go towards lowering insurance
* Do not just renew the insurance each year, where the policy needs re-payment. There are good chances that the policy is not the cheapest you can get this year, so look around and compare again.

Remember that when buying their motor cover, the policy features and benefits for comparison must do what is included. May vary, and some insurance companies may offer better than other classes for the same cost.

In short, to get the best agreement of the insurance use of the Internet not only as a way to get the cheapest quotes, but also to learn as much as possible to make savings and what to look for in politics.

Compare Quotes For Motor Cover

There are different levels of protection, when looking at the purchase of motor covers so this means there is proper policy for all your needs. You can go online and compare the quotation marks Motorcyclists cover quickly and easily - or to get specialized motor insurance broker to do this on your behalf if you prefer.

Three types of cover

There is a need for vehicle insurance, unless you want to give out as punishment for the police to you is illegal to drive without insurance on the roads of Great Britain. You may also need it to avoid having to pay for the repair or damage to the car in the event of an accident caused by you, or should it get stolen or damaged.

If you were involved in an accident, depending on the level of coverage you have, you can claim to repair the car. If it was written-off, you would get a set amount of the car back. You can also claim medical and legal costs, and many other things.

If you want only a very basic form of car insurance, which comes with the lowest premium then only a third of its needs? Provides protection for any injury caused to you by third parties or their vehicles. However, any damage to the car will not be covered.

If you want to protect your car against theft and fire, as well as third party cover, and then the third, insurance against fire and theft. This is also known as TPFT cover.

If you want full coverage for your vehicle, and then you can purchase a fully comprehensive policy. It covers almost every eventuality and can often have additional options, such as courtesy car in the event of an accident or legal assistance in the event of an accident.

By comparing what each motor contains a cover policy in line with costs is essential if in order to obtain high-quality product that meets your needs.

There are a few simple tips you can employ when buying their vehicles include:

* Do not automatically renew motor covers without first shopping around. Do not automatically renewing it with the same provider often can save a lot at the expense of its policies;
* Your excess. All providers will ask you to pay as many as excessive in the event of a claim. However, if you offer to pay more than the standard amount, and when they are able to reduce the cost of the premiums;
* In our car is safer, cheaper insurance may be. Install additional security features, such as electronic immobilizer, steering wheel locks or device. If you park in the garage, the car is harder to steal the meaning, in effect, the cheaper the premiums are less exposed to the risk of having your car stolen or damaged.

Do I need to make sure that you fully understand the terms and conditions of the policy. Suppliers may try to tempt you with many small selections of additives so consider it when making comparisons.

When looking for your motor cover, make the most of the Internet for information available, which gives you tips on ways to make savings on your motor cover along with what and how to choose the right policy for your needs

8 Things You Should Know About Auto Insurance

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I'm trying to understand auto insurance can be so complicated and confusing as trying to untie the Gordian Knot. (Apparently the Gordian knotty problem can be solved with a sword.) However, some "insider" knowledge may help understand its possibilities and what can be done to save money and make the best use of their auto insurance.

1) Some of the most useful coverage’s are the cheapest.
Auto insurance can be expensive, but if you are already a lot of expenditure, should not you much? Optional coverage’s such as the coverage gap, roadside assistance, rental reimbursement, uninsured / underinsured driver coverage and comprehensive coverage can provide much protection a little upward pressure on prices. Comprehensive insurance is usually the most expensive of these coverage’s, but still is usually about half the price of conflict and to cover one-third the price of insurance liability.

Uninsured / underinsured driver coverage is especially important, taking into account the benefits it offers, and the number of uninsured drivers on the road, especially during this period of economic difficulties. Take a look at his range of options. Paying a little more maybe save a lot in the future.

2) Many factors can affect car insurance rates.
Auto insurance companies use many different criteria when evaluating an application for insurance during a process called commitment. Every car insurance company has a lot of guidelines for groups of drivers who want to adopt and how much they will charge the group, which they consider to be higher risk. The guidelines are different for each company, which means that the two companies when comparing the same driver can arrive at much different conclusions.

During the process of insurance, car insurance applicants are placed in a group based on how much money and how many claims the insurance company believes that it may have to pay. Insurance is handled automatically by the software behind the scenes. At this time, the insurance company will look like in motor vehicle records to see how many accidents or tickets the driver received. Many insurance companies also benefit from the insurance history report to see whether the driver has any car insurance claims, as well as how much money was paid. Although accidents and infringement may only affect the rates you will receive three years, many companies will look back five or more years, when deciding whether to offer insurance. In addition, many auto insurance companies look at the credit history of the applicant. Despite the fact that they use credit history to determine which groups should be to the applicant, they are not actually appear on credit report.

3) The insurance prices vary (a lot) by the company.
You've probably seen ad saying you can save money by going to a car insurance company. How can so many companies make this claim? The reason is that auto insurance is a highly competitive business and one of the most effective ways to reduce insurance costs is simply to buy ", according to Jeanne Salvatore, Senior Vice President of the Insurance Information Institute.”Drivers should look for an insurance company, which will be a good price, together with services."

Prices are in the same policy from the same company, however, are determined by law. They are approved by the state and can not be changed by the agent, so you can not get a better price to the same rules, go to another agent or trying to negotiate a price. The best plan is to decide what coverage’s and options you need to comparison shop and to obtain the best price.

4) If your policy lapse, you will pay more in the long term.
Most insurance companies view drivers who are licensed but do not have insurance as risky or irresponsible. For this reason, if your policy lapse, will pay more when you go to purchase car insurance. To avoid this, if you do not want to pay for insurance or are planning to let your policy expires, because you want to switch companies, make sure that the acquisition of the car before the current insurance policy is canceled.

5) Higher deductibles can lower the premium.
Prices of insurance are based on how much money the insurance company believes that it may have to pay. If you are willing to pay for most of their own compensation to raise deductibles, your car insurance company automatically knows they will not have to pay too much for their claims. In this connection, they will usually give a lower premium. If you decide to increase deductibles to save money, make sure that you can afford to pay deductible if you make a claim.

6) Insurance discounts may be the difference.
Most insurance companies offer discounts on auto insurance thing as a safe driving record, car security, anti-theft devices, electronic payments, payment in full, and more. Please make sure that I get rewarded for safe driving and having a safe car purchases by some insurance on a car that appreciates its record.

7) Coverage affects what you have to pay.
Most of its car insurance premiums generally goes in the direction of a legally required part of its liability policy. This is usually not a good idea to reduce this proportion, trying to save money, because you will be responsible for any damage amount above your policy limits. However, other coverage’s, although generally supportive, may be reduced or eliminated to lower the premium. If you have an older, that the car is not worth very much, or if you do not have a problem paying for a new car, collision and comprehensive coverage’s may not economic. Talk to your car insurance company or agent about the best option for you.

8) The car driver may affect auto insurance rates.
The Highway Loss Data Institute compiles statistics accident insurance for most types of cars. Many insurance companies have the data, how to use it when setting the prices on their insurance. For example, if the car you drive is very costly to repair, the company will have to pay more if you get in an accident. Conversely, if the driver of the car is very safe and well protect passengers; your insurance company will not have to pay as much, if you are involved in the crash. If your model of car is generally less likely to be stolen, your car insurance company is less likely to pay to replace it. All these factors cars can raise or lower auto insurance quotes appear, so it makes sense to conduct insurance business in mind when purchasing a car. Of course, because rates are based on something more than just a car driver, his overall level may be more or less than someone driving the same car.

Auto Insurance Premiums Rising Slowly

Connecticut has the 11th highest auto insurance in the country, but, like other countries, have benefited in recent years, with a slight decline of the average policy costs, according to a new report from the National Association of Insurance Commissioners.

That trend begins to reverse, but so far have been relatively modest increases in average, experts say.

The average premium per vehicle for policy, which includes liability, collision and comprehensive coverage, was $ 1,080 in the state of Connecticut in 2006, the latest data in the report, the association released Wednesday. That compares with $ 1,097 in 2005.

Association warns against comparing the contributions to the state because of differences in insurance laws and requirements, rates of accidents and the cost of repairs. Comparisons, but are often cited in public discussions on reform of auto insurance, and the opportunity to serve as a barometer of the premium pain.

The national average premium for 937 dollars in 2006. Washington, DC, topped the list at 1,316 dollars, and came in Iowa at the cheapest 644 dollars.

Connecticut Insurance Commissioner Thomas R. Sullivan noted that the report shows, Connecticut had an average 1.5 percent decline in premiums in 2006. From 2002 to 2006, premiums rose 1.6 percent, but here in the country of 4.5 percent.

"The number of companies in our auto insurance market continues to grow, and Connecticut residents continue to reap the benefits of competition," said Sullivan.

However, auto insurance premiums started rising again, as work to protect insurers' profit margins.

Although the frequency of accidents has fallen, insurers have seen an average increase in the cost of claims, together with an increase in treatment costs and prices of materials such as steel, aluminum and plastic parts needed to repair the car, said Robert P. Hartwig, president and economist at the Insurance Information Institute.

Insurance costs were flat or slightly down in 2006, and almost flat in 2007. "What we have seen, as we have in 2008 was moved by some signs of increased prices for auto insurance, but not so drastically," Hartwig said. Nationwide, motor vehicle insurance costs were 3.1 percent higher in September than a year ago, according to the consumer price index data from the U.S. Department of Labor.

The average growth rate of Connecticut, on the basis of the 34 companies that filed an application for a change, is 2.5 percent so far this year, the state Department of Insurance says. The average for 2007, 1.48 percent, on the basis of the rate of 43 entries. Not all consumers are affected, though, because many companies do not change the rate every year, or may lower rates, while others are raising them.

RAI Implements MajescoMastek's STG Insurance Suite

In Responsive Auto Insurance Company has implemented or RAI MajescoMastek's insurance STG Suite to support an automatic personal business in the state of Florida.

Victor Arocho, president and co-founder of RAI, said: "We were looking for the vendor to understand that P & C domain, and we do not have. STG In insurance apartment was our choice, as it was the time tested and approved; our system meets all criteria and business, offering very robust and efficient options, and was extremely profitable. In short, it was everything we were looking for in the system. "

William McCarter, chairman of property and casualty division at MajescoMastek, said: "The partnership with RAI helps us strengthen our base system. It is important to pursue new opportunities arising from the functional, which are adding another level of depth to our products. A partnership that helped us to improve the visibility our Florida auto market.

Foreign Drivers Get Kansas Car Insurance

At least two insurance companies in Kansas are foreign insurance drivers who have driver's license.

State law does not prohibit companies from this, and supporters of the practice say that it guarantees that all drivers are protected in cases.

But critics have raised concerns about traffic safety and national security.

Farmer's Insurance Group office manager Claudia Villatoro said was that insurance from foreign driver’s licenses, regardless of their legal status, by about a year.

"It's helping people," Villatoro said. "Every time they have an accident, they are covered."

Farm state also guarantees the drivers who present valid foreign license, but will give policyholders 12 months to obtain U.S. or Canadian law license, according to Tamara O'Connor, public affairs supervisor for the company.

Those who do not have a valid U.S. license after that time not risk their policies renewed, she said.

Under the rule of law, all vehicles registered in Kansas must carry auto insurance. Drivers must provide proof of insurance when filing or renewing a vehicle registration.

Critics, fans

Members of the Minuteman Civil Defense Corps, which the chapters in Kansas, are among the critics who claimed such insurance policies threaten national security.

Chris Simcox, president of the group, said that deeply wonders how insurance companies are probing the drivers' backgrounds for criminal activity in other countries.

"How is it possible to ensure public safety?" he asked.

But Luis Figueroa, legislative staff attorney for the Mexican American Legal Defense and Education Fund, said the insurance companies who offer such policies are in the best position to risk analysis.

"In our view this is definitely a positive sign, although I think we do legislature should encourage people to obtain state driver's license," he said.

Figueroa said of the license application process requires people to be regularly tested on their driving skills on the road and learning, which encourages safe driving.

Figueroa is assisted local immigrant advocate groups, who lobbied in Topeka in Wichita in such cases.

State Rep. Brenda Landwehr, R-Wichita, introduced legislation last session, which is cracking on illegal immigrants by revoking business licenses and imposing civil penalties on any Kansas business found to have employed illegal immigrants, among other projects. Legislation was rejected.

She asks if insurance companies are considering legal status in comparison with illegal in the decision as to ensure that such drivers. She wonders what qualified insurance companies to accept or reject the use by motorists driving foreign law.

"If they are in the country legally, and then the temporary insurance is not a bad idea," she said. "When anyone uninsured on the roads are bad."

State requirements

Neither the Kansas Department of Insurance or the Kansas Department of Revenue, which oversees the registration and vehicle tags, a policy aimed at preventing drivers with foreign driver's license from obtaining insurance in Kansas, spokesmen for both organizations said.

Immigration spokesman for the group routinely lobbied for illegal immigrants to have access to the U.S. driver's license or a license, so they can insure their vehicles.

But in 2007, state law says license applicants must have a social security number, which is controlled by the federal government, or else the government to verify identity, such as a visa or birth certificate.

Insurance companies, who have a problem with foreign license offer a reasonable solution, said Villatoro, insurance of farmers, is to make sure all drivers are safe.

"I think that the better for them to be insured than not said Villatoro, who advertises services in the area of bilingual and Spanish-language media. "It affects other people."

State farms, which also sell policies, said in an e-mail reply, "Although recognize immigration and national security concerns surrounding this issue, but do not believe that it is appropriate to take a position on issues which are outside our areas of knowledge."

Being responsible

It is unclear how many vehicles in Kansas, who are insured with a foreign driving licenses have been registered in the State Department of Revenue from the Department vehicles.

Breakdown of approximately 2.56 million vehicle registrations in 2006, according to the department in its latest report. In 2005, processed about 2.53 million vehicle registrations.

Critics said that the issue of driver's licenses to illegal immigrants appears to reward them for breaking the law.

Larry Magill, Executive Vice President for the Kansas Association of Insurance Agents, is concerned about whether insurance companies are responsible by offering such policies.

"Looking at another way to a breach of immigration law in order to prevent someone from driving without insurance, which does not appear to be responsible solutions to the problem in my opinion," said Magill.

The Association does not resolve the matter, Magill said, because it was not brought up.

Magill said he wonders whether drivers insured by a foreign driver's license are familiar with U.S. law traffic, such as which side of the street, to drive on.

Simcox, the Minuteman group, said his organization may consider lobbying lawmakers to pressure insurance companies to stop issuing such policies

Eight Charged With Auto Insurance Fraud

Researchers from the auto insurance fraud task force in Lawrence, Mass., say the participants allegedly set up false failures by Leon Lopez usually felt safe.

But the two cars' crash papers "at the intersection of Route 125 and Interstate 495 south near Haverhill, Mass., and Plaistow line on 15 July 2002, is the latest in the case against Lopez.

He faces auto insurance fraud charges along with seven other people, who received a fake treatment of injuries.

"With Leo Lopez, it was probably easier to convince the passengers and drivers to be involved rare, because there was no threat of injury," Lawrence police Detective list. Michael Simard said.

"Most incidents were orchestrated it on paper. So it has not been any incidents at the stage where people could get hurt," said Simard, the lead investigator in the department of the Task Force.

Lopez, 28, 69 Abbott St. Lawrence, was already facing three separate jury indictment, when re-arrested.

Seven people are charged along with Lopez were treated at Kaplan or Haverhill Family Chiropractic.

Operators of these clinics - Michael Kaplan, in Hampstead and Troy L. wheeler, 40, in Amesbury, Mass. - were indicted along with Lopez at the beginning of this year as part of a grand jury investigation initiated by the state Attorney General's Office.

This case brings to 341 the number of people accused of fraud in auto insurance Lawrence five years of oppression.

Lopez is to be retried later this month in the case being prosecuted by the state Attorney General's Office after Superior Court jury could not reach a verdict a few weeks ago.

"Leo Lopez is the most notorious, the most cynical and most prolific of the runners tested by us," Simard said of the former Haverhill man. Investigators identified him as a "major player", which is paid by area lawyers and chiropractors to recruit victims of fraudulent accidents in the home, that the cost insurers millions of dollars a year in Lawrence.

Lopez, a former van driver and chiropractic assistant for Kaplan Chiropractic Corp. on Sutton Street in North Andover, is considered the key at least a dozen accidents are probed by the task force, according to investigators.

"His name surfaces a lot in our investigations on the number of accidents," said Chief of Police Lawrence John Romero, who assembled a task force in the autumn of 2003 when 65-year-old Lawrence great-grandmother died in a staged plane crash, a car that investigators said she helped plan defraud insurance companies.

"It seems that he made a career this way, this guy was a big-time runner. Runners in general are large sums of money on the backs of the residents of Lawrence choreographing by the fraud," said Romero.

Criminal charges result from the probe initiated by the Bureau of Anti-Fraud Insurance Massachusetts, which has several researchers working in a handful of Lawrence police detectives on the task force.

The aunt of Lopez's wife - Elsa Salazar, 37, 67 Franklin St., Lawrence - confessed police to arrest her after that disaster does not happen.

Salazar initially claimed that a 1989 Acura drove to the 1997 Plymouth at the rear made for a rapid end to the other cars. She told investigators she signed a false accident report prepared by Lopez as a favor to him, and also to make some money.

Investigators also received a statement from the Acura owner, who has not been charged. Lopez told police he paid 700 U.S. dollars for using his car registration in order to create misleading information.

Also for auto insurance fraud were:

José de la Cruz, 35, 13 Melrose Ave. Lawrence, a driver from Plymouth. He says that his car was rear ended and denied any wrongdoing.

Adrian Matos, 33, 26 Inman St., a passenger in Plymouth. She denied any wrongdoing.

Violeta de la Cruz, 38, 102 Chester St. Lawrence, a passenger in Plymouth. She denied any wrongdoing.

Isidro Royer, 43, formerly Lawrence, a passenger in Plymouth. He is still wanted by the police, who believe he lives in Florida.

Candida Santiago, 55, formerly Lawrence, a passenger in the Acura. She remains at large and is considered to be living in New Jersey,

Angie Abrams, 36, formerly Lawrence, a passenger in the Acura. I believe that the police living in Florida

To see more of The Eagle-Tribune or to subscribe to the newspaper, go to http://www.eagletribune.com/.

New Jersey Chamber of Commerce Announces New Auto Insurance Partnership With High Point Auto Insurance

New Jersey Chamber of Commerce President Joan Verplanck and High Point Safety and Insurance Management Corporation Chairman Jim Tignanelli announced today new partnership auto insurance. According to the new Chamber Auto Insurance Program ( "CAIP"), a member of the Chamber employees of the company, with a total population of 500,000, are now entitled to specially discounted personal auto insurance policies, which are to be sold by High Point.

"in this difficult economic situation, the Board is pleased to be able to cooperate with the High Point Auto Insurance in order to reduce costs for employers, as well as workers and their families," said Verplanck. "We are in cooperation with the High Point, because they have a great reputation, offer very good rates and impressive record of customer service."

Companies appear to growing demand for voluntary employee benefits to employees. Board and the High Point this new market will be beneficial to the company through a series of joint efforts in this direct mail, website promotion, the construction of logging, and Chamber events.

"High Point is thrilled to be associated with the New Jersey Chamber of Commerce," said Tignanelli. "This powerful partnership allows us to offer exceptional value for members of the Board or through our broad range of products. With what is happening with the economy, it is important to alleviate some financial burdens imposed on employers and workers of our country. Our partnership will result in lower the cost of insurance for thousands of New Jerseyans, so they can spend money on other needs. "

Workers who wish to obtain a quote for your personal auto insurance can connect High Point Auto Insurance at 1-800-801-0977, which has been specifically reserved for a member of the cell company employees.

New Jersey Chamber of Commerce is to promote the activities of organizations based in Trenton. Established in 1911, represents the state Board of their staff members on a wide range of issues, education and business at the State House in Washington. Also links to state organizations of local and regional Chambers in matters of the legislative basis through the network. For more information, please visit http://www.njchamber.com/.

High Point Auto Insurance is one of the largest auto insurance companies serving customers only New Jersey. Customer Service is # 1 High Point customers. High Point Auto Insurance is guaranteed by the High Point property and casualty insurance companies, 331 Newman Springs Road, Suite 304, Red Bank, NJ 07701-5692. For more information, go to http://www.highpointins.com/

Small Cars Can Bring Bigger Insurance Payments

Volatile gasoline prices this year have caused some drivers to trade in their gas guzzlers for smaller cars. Sticker shock can not come to an intermediary, but the insurance bill.

Contributions are often higher for smaller cars, because the damage and injury may be worse than in the case of a breakdown of the bigger cars.

Very large SUVs had the lowest frequency of claims for damage to property and two small cars have the highest door, according to the latest research in the 2005-07 models of the Highway Loss Data Institute.

Average loss payments per claim were higher for the smallest cars than for larger vehicles. The lowest average loss payments per claim have been at the station wagons and mini-vans, while luxury sports cars, and had the highest overall losses, because payment to the claims were higher.

"Larger cars are safer cars, in general," said Ken Muth, spokesman for American Family Insurance, from Madison. "The difference is in a collision and loss in the cost of smaller vehicles."

Front and side airbags in small hybrid Toyota Prius contributed to the decrease in premiums, but batteries are expensive to repair, if not, said Jeff King, personal lines manager at Fish & Schulkamp, an independent insurance agency in 2117 Sherman Ave.

"When there is less metal around you, you can have all the airbags and want to continue, there is potential for higher bodily injury," he said. "People think, because we are more and more economical car, that gas will be cheaper for the conduct of insurance, as well as longer necessarily the case," he said, noting it difficult to estimate, because there are so many factors in determining premiums.

Smaller cars are also more vulnerable to car theft, but King said that there is a big problem in Wisconsin. He said he had two theft claims among its customers in 17 years.

Low crime and fraud insurance to help keep auto insurance rates in the Madison area are among the lowest in the country, said Martin Burns, the chief of the Agency for Curtis, 5609 Medical Circle.

He said the driver of accidents and credit is particularly important in determining the size of contributions from the car. May be lower for a small car, for example, if a driver is perfect.

"This (may be) to ensure cheaper Prius, because most people who buy them seem to be a better risk," he said. "They tend to be more conscientious, and ends reflected in a lower price car insurance."

Muth said people should look at assessing the safety of vehicles and their insurance agent's work. Drivers can save on the cost of premiums for smaller cars with higher evaluation of safety, he said.

"There are very safe to smaller vehicles," said Muth. "Consumers need to look very carefully at the features.

To see more of The Wisconsin State Journal, or to subscribe to the newspaper, go to http://www.wisconsinstatejournal.com.

Teachers' Insurance Plan of NJ

Teachers' Insurance Plan NJ joined the annual statewide safety initiatives in support of organizations that promote safety priority in New Jersey. Initially launched in June 2008, its parent High Point Auto Insurance, Teachers' initiative, the first safety campaign includes sponsorship and coordination with the Keep Kids Alive Drive 25 (R) (KKAD25) trip in New Jersey communities from 28 October to November 1st. Tours celebrates KKAD25 (R) 's 10th anniversary and reveals the alarming new statistics about speeding in residential neighborhoods cause of death and injuries to pedestrians.

Tom Everson, KKAD25 (R), the founder of the program, will speak residents, law enforcement, schools and communities, which includes the program's mission to educate and to the active involvement of citizens throughout the United States in the common commitment to creating safer streets in neighborhoods, and beyond, to the benefit for all.

"Security is absolutely our top priority for all residents of New Jersey. KKAD25 (R) has proven to reduce the prevalence of speeding in residential neighborhoods and school zones, to create a safe environment for our children," says Teachers Auto Insurance Company of New Jersey President Jim Tignanelli. "Teachers' Insurance Plan NJ is proud to launch this initiative Statewide annual safety campaign and powerful support, such as those for the whole year. "

Excursions include visits: October 28th-Colts Neck High School Graeme Preston Foundation, Ownership, NJ October 29-hush-Northfield Community Middle School, Northfield, NJ Community Forum / Presentation, Berkeley Municipal Building, Bayville, NJ October 31-these -Hamilton/Yardville November 1st-Anthony Henry Memorial Scholarship dinner, Yardville

"We are thrilled that the teachers' Insurance Plan NJ began their safety by supporting our initiative NJ safety tour," said Tom Everson. "Their continued support of our programs over the years shows that their safety of our children should be of paramount importance for all".

Keep Kids Alive Drive 25 (R) is a non-profit organization, founded in the summer of 1998, through safety campaign targeting observance of speed limits on housing, which in most cities and towns across the U.S. to 25 mph. There are 1,000 representing 47 countries participating in KKAD25 (R) campaign. The mission KKAD25 (R) is to end all deaths and injuries caused by excessive speed on all roads. Visit http://www.keepkidsalivedrive25.org/.

Teachers Auto Insurance Company of New Jersey provides auto insurance exclusively to employees (active and retired) from New Jersey licensed education. Research shows that educators in the group are lower risk and less claims, so Teachers' Insurance Plan of New Jersey can offer lower rates to the education community than insurance companies, which insure everyone. For more information, visit http://www.nj-teachers.com/

Mendota Insurance Selects Innovation Auto's Managed Repair Network

Mendota Insurance has chosen Innovation Auto's managed repair network in order to improve their policies and improve customer cycle time.

Brian Ebent, managing director of claims in Mendota Insurance, said: "Mendota is always searching for ways to improve our customer repair experience, while driving key performance indicators, such as LAE and the duration of the cycle in more favorable levels. Innovation Auto is located in a nationwide network our key regions of the policyholder very well, and purely Adjusting Portal integrates with our work. We appreciate the fact that innovation was able to quickly develop a customized program tailored to Mendota's non-standard auto insurance. "

Greg Powers, head of marketing officer of the Innovation Group, said: "We are most Mendota add to our client family and appreciate their confidence in the Innovation Group. Our goal is to continuously provide innovative and integrated solutions Auto physical damage, which address the key challenges facing P & C claims management. We look forward to continue to expand our leadership position in support of these objectives. "

AIG New Jersey Subsidiary Is Sound

New Jersey residents covered by American International Group's auto insurance subsidiary should not worry about their health carrier, says the state Department of Banking and Insurance Commissioner Steven M. Goldman.

"AIG's auto insurance subsidiary in New Jersey - American International Insurance New Jersey - is well-capitalized and well able to live up to their claims," Goldman said last week. "I urge policy-holders, not to make any decisions, rash, if you have a policy issued by AIG insurance company."

AIG sole subsidiary in New Jersey has about 76,000 customers and auto insurance account for about $ 80 million in 2007 bonuses, according to Goldman.

The collapse of complex mortgage-related transactions by AIG conglomerte stung to the core business of insurance. On 17 September, the Federal Reserve announced it taking control of the company at $ 85 billion rescue to prevent collapse.

"Your insurance and annuity policies are written by AIG insurance companies," said Goldman. "These companies are strong financially, and their assets are protected by state regulatory authorities." -

2008 NJBIZ. Provided by ProQuest LLC. All rights Reserved.

Ten Cheapest Cars to Insure According To Swiftcover

Swiftcover.com, online subsidiary of French insurance giant AXA, has been looking at the cost of insurance used cars in the UK and come from a list made that the models and attract the lowest premiums.

On the basis of the vehicles produced in 2003, in the top ten are as follows: Smart, Fiat Seicento, Skoda Fabia, Toyota Aygo, Nissan Micra, Citroen C1, Renault Clio, Suzuki Wagon R, Volkswagen Fox Urban and Peugeot 107

Smart Pure is the cheapest car insurance with swiftcover at an annual premium of £ 350.84.
The research is based on a 32-year-old male living in Birmingham.

This hypothetical driver has one conviction of speeding and not full-claims discount.

He keeps his car in his driveway, covers an average of 10,000 miles per year, and opted for a £ 300 voluntary excess.

Swiftcover says the findings emphasize that the difference in the make and model of car makes, that the cost of insurance.

Companies marketing director, Tina Shortle, added that the study did not provide further reassurance that swiftcover value pricing structure offers its customers, after checking out of competitors on price comparison website, moneysupermarket.com.

Viriyah to Raise Its Capital By B600 Million

By Charoen Kittikanya, Bangkok Post, Thailand

Viriyah Insurance Co., the largest car insurer in the country, is preparing to increase its capital by 600 million Baht from 1.4 billion Baht to strengthen its capital base and fund-offset negative investment assets.

The capital increase will come from the two parties 300 million Baht each. The first will be raised by the end of this year, and others when the need arises, according to deputy managing director Kritvit Sriphasutha.

"New Capital Accord is necessary because the company intends primarily to maintain the solvency ratio at a level greater than 200 percent of the minimum capital requirement," said Mr. Kritvit.

In connection with the bearish stock market, the book value of company assets investment, especially in shares, fell by 300 million Baht.

Companies investing the assets are worth some 12 billion Baht, two billion whose shares.

According to new guidelines for the control and supervision of insurance companies, each company must maintain its solvency at more than 150 percent of the minimum capital requirement.

According to Mr Kritvit, the company acknowledged that it has little impact on investment in its troubled life insurance partner, Finance Life Assurance.

Finance Life is so far the only life insurance company still reeling from a shortage of capital funds.

Equity funds are part of the assets in excess of the insurer's liabilities in accordance with their assessed values. Life insurance law requires that life insurers maintain capital funds at not less than 2 percent of their earned premiums.

Finance Life, units of Group Finance, raised its paid-up capital to 2.10 billion Baht in June from 1.87 billion euros at the beginning of this year. The company is striving to find new strategic partner, to help inject new capital in order to strengthen its capital fund.

Viriyah Insurance holds 10 percent shares in life insurer.

But generally you Kritvit said Viriyah was fully safe place to expand its business.

The company reported written premiums of 12.07 billion Baht, an increase of 8.14 percent for the first nine months of this year, 11.37 billion Baht of which came from the engine business, representing an increase of more than 10 percent a year earlier and 692, Baht 93 million non-motor segment, which represents an increase of more than 40 percent.

Company's goal this year to expand total business to more than 15 billion Baht from 14.98 billion in 2007, in the absence of coverage of motor worth of at least one billion Baht.

"Our strategic attempt to expand the high-risk and highly competitive motor insurance non-motor business paid off handsomely," said Opaspimoltum Anon, a company senior vice president. "We are now capable of our offices nationwide to 102 claims for damages in full development and customer support services to customers outside the motor on a par with the side of the engine.

Auto Insurance Rates Jump for 3rd Consecutive Quarter

Auto insurance rates continued to raise throughout the third quarter of this year, according to a study by Insurance.com, the largest online auto insurance agency in the United States.

Insurance.com’s RateWatcher Car Insurance found that the lowest car insurance quotes, on average, were about 3% over the previous quarter, rising from $ 1893 per year to $ 1949 per year. This rise follows a 3% increase from 3.4% in the second quarter.

RateWatcher is based on real-time quotations for auto insurance for more than a dozen insurance companies to consumers to Insurance.com during the third quarter. It is the third consecutive quarter of rate increases, causing concern among cash strapped motorists who are already struggling in this difficult economy.

"The increase in rates this quarter represents a trend that will most likely continue into 2009," said Sam Belden, VP-strategic alliances in Insurance.com. "The driver must have some time to understand how the type of vehicle they drive, and their driving habits affect their rates."

The rates of car insurance vary from state to state, and some local trading experienced increases in the third quarter were higher than average. For example, Washington, DC had a 8.3% increase in rates, while Nebraska and Rhode Island saw rates jump 8% and 7.4% respectively.

"There are many things that consumers can do to save on car insurance, like the comparison of rates from several companies before you renew a policy of driving more carefully, and never let a current policy of delay," he said Belden. "When a driver does not have continuous coverage, he or she may not qualify for the best prices available, and can be placed in the same category of risk with drivers who have violations and accidents. This can cost a driver a lot more money over years. "

Additional findings

* Among the top 10 states seeing the sharpest increase in the rates of car insurance in the 3rd quarter were Washington, DC (up 8.3%), Nebraska (up 8%), Rhode Island (until 7 4%), Kansas (up 6.6%) and Florida (up 4.9%).
* Prices fell in 10 states compared with the 2nd quarter. The largest decreases were in North Dakota (7.8%), West Virginia (7%) and Wyoming (4.5%).
* In nine states, the rates were essentially unchanged, ranging in less than one percent.

The full report is available on www.insurance.com / RateWatcher.

Running a Car Costs 13% More

The annual cost of driving has increased by more than 13% a year, and by more than 16% since 2006, has been revealed.

Excluding interest payments on loans, the annual cost is currently around 2,544 pounds, according to Sainsbury's Bank.

This compares with a figure of 2,240 pounds for the year 2007 and 2,189 pounds in 2006, with fuel prices this year, the main cause of the large increase in overall costs.

There was also a significant increase in taxes and servicing the car, with support increasing by 17.5% from the year 2006 and taxes going up 32.54% in the past two years.

Insurance has risen 10.22% since 2006 and the cost of MOT tests has increased 20.27% in the past two years.

Sainsbury's Car Insurance manager Joanne Mallon said: "Motoring is now a very expensive business. These costs, although they may be kept in check by shopping around better car insurance and fuel, for example."

Lawrence Man Arrested in Auto Insurance Fraud Case

Oct. 21--LAWRENCE -- After crashing his 1997 Honda Civic into a fence on the street Phillips in July, Eduard Moreta fled with their passengers, and later reported the car stolen.

But police said Moreta decipher the story at the scene of the accident when her cousin returned to retrieve his hat.

Jose Moreta said a resident of the house where the accident happened that his cousin Eduard was drunk, but your car insurance covers damage to the fence. Jose Moreta details on that story when approached by Lawrence police officer Harold Rogers.

The official said Joseph Moreta told him that his cousin was drunk and had a suspended driver's license, but insisted the other five people driving home from a party in Kendall Street.

Eduard Moreta hit the fence at 106 St. Phillips after not making the change at Dorchester Street and Phillips, his cousin told the police.

Rogers was unable to interview Eduard Moreta, and the car was towed.

On July 7, about 36 hours after the accident, Eduard went to the police station to report his car stolen.

When faced with Rogers on the account of his cousin, Eduard admitted that he lied and he wanted to withdraw his stolen car report.

But Eduard had already stolen car filed a claim with your insurance company and later told an investigator with Plymouth Rock Assurance five days after his police interview that the car had been stolen and not recovered.

Plymouth Rock denied the theft claim and referred the case to the Office of Insurance Fraud Massachusetts. A fraud investigator working table with the city of auto insurance fraud task force proved the case.

Eduard Moreta, 19, of 137 High St., was arrested at his home on Thursday.

He was charged with attempted theft of property and filing a fraudulent insurance claim car.

His arrest brings to 334 the number of people indicted for insurance fraud vehicles in the city five years of repression.

To see more of The Eagle-Tribune or to subscribe to the newspaper, go to http://www.eagletribune.com/.

Local Car Insurance Premiums Grew By 32%

According to Akhbar Al-Khaleej newspaper (October 19, 2008), Mr Abdul Rahman Al Baker, Executive Director of Supervision of Financial Institutions at the Central Bank of Bahrain, announced that signed volume of car insurance premiums in the Kingdom Bahrain rose to BD 43.6 million ($ 115 million) in 2007, compared with BD 37.5 million ($ 99.5 million) in the previous year, an impressive 32% growth.

You Can Save Money When Comparing Quotes Online For Car Insurance

Although all moan and groan for the establishment of law and policy, the cost of insurance, if you want to drive legally on the road in Great Britain, then you must buy car insurance, so you literally have no choice but to buy it! But the good news is that you can provide a quick and easy process and you can save money by comparing quotes online car insurance.

Forgetting the legal consequences, without a motor insurance policy to fall back on the stand, you can lose everything, if your car was written off in the accident. We will also have to pay for repairs out of their own pockets and other items, such as the costs of medical care and legal aid will not be paid for you. Comparing therefore, that cites online car insurance is so important.

There are three main types of motor insurance, fully comprehensive (also known as "fully comp '); third, fir and theft, and the third only.

It is fully comprehensive all - singing, all-dancing cover for passenger cars, offering what it says on the tin-comprehensive cover. Due to the maximum amount of insurance offered, the course cost the most. Fire, damage or replacement car can be claimed for, which could cost of repairing his car and other companies. Comp will fully provide insurance for many eventualities, which often include medical and legal costs.

The third only on the other hand, offers the most basic coverage, but this is a cheaper way to insure their vehicles, which gives you and your vehicle does not have any protection, only paying attention to any damage you cause to another car or person.

A third fire and theft (TPFT cover) offers some protection for himself and is in the middle, price wise. It will pay for any damage you cause to a third party or their property, as well as, if your vehicle has been stolen or damaged by fire. As in the case of third party cover only, any damage caused by you to your car will not be taken into account.

As in the case of all purchases in force, the price of car insurance can vary even to the small print, so always compare both online via a specialist website, which you can gather together quotes for comparison.

There are ways that you can pay less for insurance, for:

The more you pay for your surplus at cheaper premiums will be. The surplus is the amount you pay before the company's policy to pay out;

If your car is harder to steal the cost of the policy can be kept down. You can do this easily installed by the blockade on the steering wheel of the car and choosing to keep it closed at night;

If you stay with the policy provider year after year may also be paying for the premium rate. Always compare policies, it becomes renewed.

Finally, by comparing online car insurance, look to see how many data base are ejected from the cover as some will offer additional benefits to entice them to buy the free coverage.

Best Car For Cheap Auto Insurance

With the way the economy is today, is no wonder more and more people are looking for ways to save money. This is particularly true in vehicles. It is becoming more and more expensive to drive to and from work, as well as taking children to school or simply work errands in the city. Therefore, it is very important to try to save money where you can, as well as lowering your car insurance. Many people do not realize that they can lower their car insurance by having certain types of cars.

If you want to look for the cheapest car insurance then you'll want to go to a car, which is slightly older. Many insurance companies see older cars are easier to insure due to the fact that spare parts are much smaller than in the out-of-date cars. Cars that have lower values are the best to go to. You want to make sure that the car is in good condition, so it does not have a car that is cheap and nickel to death.

It should also be borne in mind that the size and shape of the car is important, where the insurance concerns. If you are going with a larger type of car, your insurance will be higher. The same is true if you go with a small car. The average seems to be the best solution if cheap car insurance is concerned. Many say that because it is small cars may have caused more damage in the event of an accident and larger cars do more damage to other cars on the point of impact in the event of an accident.

Some other factors to consider when choosing a car is that you can obtain lower insurance the vehicle, which has 4 doors, and 2 and may not be wise to proceed with domestic vehicles such as minivan or one of 4 cylinder engine. Below is a list of the top ten vehicles that are listed are the cheapest insurance.

• 4 door Special Edition Buick Century
• 4-door wagon Pt Cruiser by Chrysler
• 4-door dodge minivan (caravan SE)
• 3 door minivan by GMC (Safari SLE AWD)
• 4 door Jeep Liberty Sport SUV
• 2-door Pontiac Sunfire (coupe)
• 4-door Saab Sportwagon 38600 Linear 2.3t
• 4 door Saturn ION 1
• 4 door Saturn L300 1
• 4 door Volvo S40

How to Get Lower Car Insurance Rate

Did you know that auto insurance is one area of your budget may be able to substantially cut? If you have not checked the prices lately, it may not be getting the low rates of car insurance you qualify for.

Check out these tips and see if you can start saving some money today.

How's your credit?

Before you start checking the cost of insurance, you need to check your credit history. You can get a free credit report every year from each of the three major credit reporting companies.

What is your credit history had to do with your insurance company? Well, insurance companies look at your credit history, and they charge you more if your credit is poor, sometimes as much as 50 percent more!

By checking your credit yourself before you go looking for insurance, you can take steps to improve its record and to have inaccurate information removed.

Shop around for the best price

You can save big dollars in its auto insurance only by switching to a different company. Why? Since the rates of insurance from an insurance company to another can vary by hundreds of dollars for the same insurance.

The easiest way to check different types of businesses is going to a website for comparing insurance. On these sites, you can get quotes from several insurance companies at the same time.

In the best websites, you can also talk with insurance experts online or by phone if you have any questions about your insurance (see link below).

Deductions and discounts Case

You can also save money on your auto insurance by ...

* Setting up your deductible as high as you can afford

* Make sure you get all the deductions you qualify for

The deductible is the amount you pay for a claim to its insurer would pay. The higher you set your deductible, the lower your premium will be.

Discounts directly reduce their insurance premium. Be sure to ask your insurance company about any discounts that you may be eligible.

Car Insurance For A New Driver

As a new driver, you will have some new responsibilities. If you are reading this article, you can be a teenager, which just got their licenses or someone older who have never had a license. What ever your case, there are some things you need to know about health care and insurance, how to become a safer driver on the road. Almost everyone receives a license at some point in their lives, but do not always know all the risks every time they step foot into the vehicle.

What insurance company sees

Since you are a new driver, you have to get insurance. If you're a teenager, that only the acquisition of licenses, it is best to remain on their parents’ policy until you have a few "safe driver" years under the belt. At this point, the insurance company, no matter which of them to choose, you will see a heightened risk. Statistics show that teenagers pose a greater risk when driving due to a number of common facts. These facts are as follows:

1. Distraction: It is common for teenagers to have many distractions. Distractions for teenagers are increased, because usually does not distinguish between the importance of accountability. For example, if their song is like playing on the radio, and are not in the best position to let go of the wheel or take their eyes off the road, they will still get to this knob to turn the radio up. It is not in their opinion the track is more important that the wreckage, but simply do not think that's wreck, turning the radio. Another form of distraction may be in the form of other teenage friends in the car. Typically, when teenagers get around each other is not horseplay or talks that could lead to not paying particular attention to the road.

2. Phones: Teens are super glued to the phone. Yes, as if talking on a mobile phone while driving was not so dangerous, teenagers actually the text on their mobile phones while driving. Text requires, for the most part, looking for keys to type a message and then send. How long are their eyes off the road until the end of the rear end with the car?

3. Calculated risk does not exist. Teens often times feel they are invincible. This leads them to take more risks when driving. Teenagers are known for speeding, cutting people off, other cars racing, driving recklessly and in general. Not every teenager is, but then again, there are cases, the fact that what appears to be an insurance company.

If you are a teenager, and you get a license, which will see you as inexperienced driver. Is equal to the greater risk experience. When I get insurance, age does not play a major factor, so in that respect, to have it work for you.

Matter if you are not a teen getting your license or a past that age, you will see and pay a higher premium to can establish a time of good driving record. It may take as long as 3-5 years.