Life Insurance Rates: Compare Life Insurance Quotes, senior term life insurance rates.

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Life Insurance Rates

We have made it easy to choose the right life insurance policy at the lowest price.

Affordable Life Insurance Rates

Join the countless satisfied customers that have found affordable life insurance policies by utilizing our completely free service. Instead of having to visit a life insurance agent in person or comparison shop across multiple websites, you now have the ability to compare life insurance rates from the comfort of your own home. Don’t wait any longer to find cheap life insurance. Within minutes you will receive life insurance rates from leading companies such as Gerber Life Insurance, MetLife, AIG Insurance, Prudential, and many more. Simply enter your zip code and get your free life insurance rates today!

Senior term life insurance rates

So, now that you have found the ultimate resource that allows

you to compare life insurance rates, what type of coverage do you need?

Senior term life insurance rates

Senior term life insurance rates

Brian is a certified life insurance, estate planning and financial service specialist with over 15 years of experience.

If you are one of the many consumers wondering if you are required to undergo a medical exam when applying for coverage, we have answers.

Whole Life Insurance

  • “Provides Complete Protection”
  • Fixed premiums that offer stability
  • Tax-deferred cash value that will grow
  • Guaranteed death benefit payout
  • Ability to borrow against cash value
  • Coverage for your entire life if kept current

Term Life Insurance

  • “Offers Affordable Coverage”
  • Least expensive form of life insurance
  • Easy to understand and manage policy
  • Complete coverage at a great low rate
  • Guaranteed death benefit for current plans
  • Flexible term lengths

Universal Life

  • “The Flexible Payment Option”
  • Adjustable premiums for maximum flexibility
  • Guaranteed interest rate
  • Annually adjustable death benefit
  • Guaranteed monthly income option for beneficiaries
  • Policy can be maintained indefinitely

Survivorship Life

  • “Protects Your Legacy”
  • Covers two people, commonly spouses
  • Control over estate and legacy
  • Beneficiaries receive full amount of policy tax-free
  • Also known as second to die life insurance or joint insurance
  • Intended for wealth preservation

Senior term life insurance rates

Free Life Insurance Quotes in Minutes

Your time is valuable. We have simplified our form to make it easy to complete within minutes. Once you have provided some basic contact information and medical details, you’ll receive life insurance quotes from a number of prestigious companies and can choose the premium that fits your budget. Buying life insurance is easier than ever before. Some life insurance companies require a basic medical exam, which can be completed at your home or office in a manner of minutes. You may even qualify for a streamlined non-exam plan from select providers.

Senior term life insurance rates

The Importance of Life Insurance

Life insurance is one of the most important decisions you can make to give you and your loved ones financial security and peace of mind. If you were to die prematurely, how would your mortgage or debts be paid off? What would replace your much-needed income? How would your children be able to attend college? Buying life insurance answers these lingering questions and can put an end to uncertainty. Even if you live a healthy lifestyle, life insurance is an essential component of planning your retirement.

Once you submit the simple form, you can rest assured that our advanced matching process will put you in touch with reputable local agents who will help you find the best life insurance cost and a plan that meets your needs. If you have questions about life insurance claims or need to file a claim, our informative guides can help you. You may be wondering if a medical condition will affect your life insurance rates. The answer could be closer than you think. These guides also allow you to compare the different aspects of each life insurance policy and choose the best life insurance type for you and your family.

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Term life insurance, new york life term insurance rates.

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Term life insurance: Protection for your big plans. (And for your littlest ones.)

Term life insurance is the simplest way to protect loved ones now—and lock in your lowest available rates for a set period of time. As long as you keep your policy active for a set “term” (like 10, 15, or 20 years), it can replace your lost income, tax-free, in the event of your death. Plus, you can add more coverage or upgrade to a permanent policy later.*

Yearly Convertible Term

If you’re on a tight budget or unsure what protection you need, starting with a term policy can make sense. Later on, you can renew or upgrade.

Level Premium Convertible Term

If consistency appeals, take comfort with a guaranteed rate that won’t go up until your term runs out (or you convert to whole life coverage).

Our wide range of riders, some at additional cost, offer extra benefits to help you meet your short- and long-term goals.

You look out for loved ones every day. Term life insurance helps protect their futures, too.

It goes without saying that you could never be replaced, but with life insurance, your loved ones wouldn’t be burdened with the financial pressure that would come with your loss. Here’s why: the proceeds of life insurance can be used to help preserve your beneficiaries’ standard of living and fulfill future goals, and generally come free from federal income tax.

HOW DOES TERM LIFE INSURANCE WORK?

Term life policies often start you at a lower premium for a set period of time. You choose the length of time you’d like to carry the policy, and at the end of the term, you typically have the option to easily renew or upgrade to a permanent policy.

In this way, purchasing term life when you’re young can lock in your access to affordable life insurance for the term period—even if your health status changes. You can convert your coverage to more rewarding permanent policies, like whole life insurance, possibly at a lower price than if you’d put off purchasing until you’re older.

Could a term policy be right for you?

Term can be the perfect solution for those balancing high expenses with a high need for protection, for example, when you’re starting a family. Ultimately, term life is a cost-conscious solution to get the most protection you can now, while still providing you with an opportunity to convert to a permanent policy later on.

Finally, term insurance is a great option for people who need:

  • Coverage for a well-defined period of time
  • Business protection (in the event you’d lose a key employee or business partner)
  • Extra coverage on top of other, permanent life insurance

READ MORE

Considering term? Consider this.

Buying life insurance is an important decision. Here are a few important factors to keep in mind as you determine what plan is right for you:

It’s About More than Burial Insurance

Learn the ways that life insurance can help you leave a lasting legacy, beyond immediate needs after your death.

It’s a Great Choice for Single Parents

With term life, protecting your children’s security can be more affordable than you think.

You Can Convert to Whole Life Later

You can upgrade all or some of a convertible term policy to a permanent whole life policy and start building cash value.

The Truth Behind the Cost of Life Insurance

Before you buy life insurance, get the facts on why cheaper isn’t always better.


Car Insurance & Auto Insurance from Nationwide, online auto insurance rates.

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6 reasons to choose Nationwide for car insurance

Online auto insurance rates

On Your Side ® Claims Service

After an accident, you want things to get back to normal fast. File your car insurance claim and choose a repair shop in our network to get a written guarantee for as long as you own your vehicle.

Online auto insurance rates

Discounts on car insurance rates

We offer many ways to lower your auto insurance rates, including good student and multi-policy discounts.

Online auto insurance rates

See what members are saying about Nationwide

Want to know how we handle claims? Find out online from our auto insurance members. Learn why they would recommend us to friends and family and then get an online auto insurance quote today.

Online auto insurance rates

Vanishing Deductible ®

As you shop for online car insurance, keep in mind that we want to reward safe drivers. Our exclusive program reduces your car insurance deductible $100 for every year of safe driving.

Online auto insurance rates

On Your Side ® Review

Make sure your vehicle insurance keeps up with your life. A Nationwide insurance agent can help you get the coverage you need and the discounts you deserve to lower your car insurance rates.

Online auto insurance rates

Member resources

As a member, you can update your account quickly and easily when and where you want, get answers to your questions, catch up on what we’re doing today and see what it means to be a member.

If you own a classic, antique, vintage or other collector vehicle, you may need classic car insurance. Learn more about Nationwide classic car coverage, which we offer in partnership with Hagerty.

Online auto insurance rates

Vehicle Safety Tips

Learn how to protect yourself and passengers with safe driving tips and auto insurance basics.

Online auto insurance rates

Driving Tips for Teens and Parents

Find out how to keep costs – and stress levels – down with your teen driver.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Bundle and Save on Your Insurance

Combine auto, home and life to save time and money.

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    Get the right coverage for your area.

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  • Online auto insurance rates

    Now From Nationwide Blog

    Basic how-tos, articles and more on what matters most.

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    Share Article

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    Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide Mutual Insurance Company.


  • 5 best and worst states for car insurance costs – CBS News, lowest car insurance rates by state.

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    5 best and worst states for car insurance costs

    The summer driving season is fast approaching, which is great news if you’re planning a road trip. But summer is also the busiest season when it comes to auto insurance claims, so now might be a good time to make sure that your coverage is up to date. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of car insurance nationwide was $815 in 2012.

    At the same time, insurance premiums fluctuate widely by state, due to factors such as rural vs. urban drivers, percentage of uninsured drivers, local cost-of-living figures and hazardous weather conditions.

    To get a closer look at state-by-state insurance costs, InsuranceQuotes.com has just issued a report measuring average premiums using information from the largest insurance carriers in each state. It also created an “average” driver: someone who is employed and who drives a 2012 sedan, has a bachelor’s degree, an excellent credit score and no lapse in insurance coverage.

    Most expensive: #5 Louisiana

    Insurance premiums for drivers residing in the Bayou State are 33 percent above the national average. Much of Louisiana is rural, which means lower crime rates, fewer cars, less congestion and fewer accidents. But Mike Barry, a spokesman with the nonprofit Insurance Information Institute, pointed out that the state ranks high when to comes to natural disasters like hurricanes, which can damage vehicles through flooding, falling trees or debris thrown by high winds.

    Most expensive: #4 Delaware

    Delaware residents have auto insurance premiums that cost 41 percent above the national average. CarInsurance.com points out that he state has low liability requirements for personal, bodily injury and property damage insurance. It’s also near the bottom of the national list when it comes to auto thefts by state.

    But Delaware has a relatively dense population. It’s also in close proximity to two of the worst cities in the nation when it comes to auto crash rates: Washington, D.C., and Baltimore, Maryland — which might also play a factor.

    Most expensive: #3 New York

    The Empire State’s auto insurance premium rates are 42 percent above the national average. The metro New York City region has some of the highest population densities in the nation, so it’s no surprise it also has high rates of auto theft and collisions. Residents of New York City’s borough of Brooklyn have the second-highest car insurance premiums in the nation (Detroit is first). In fact, residents of one particular Brooklyn ZIP code pay 151 percent more than the average premium payment elsewhere in the state.

    But some other factors may be at play. The Insurance Information Institute’s Mike Barry said Metro New York is still dealing with the aftermath of Superstorm Sandy in 2012, “and the claims made on flooded vehicles could still be affecting prices today.”

    Most expensive: #2 Rhode Island

    It may be the smallest state, but Rhode Island has some of the biggest auto insurance premium costs in the nation. They’re 45 percent above the national average. The state capital of Providence is one of the top cities in the nation when it comes to auto collision rates. And about 15 percent of the cars on Rhode Island’s roads are uninsured, driving up rates for people who do have insurance.

    Most expensive: #1 Michigan

    What’s up with Michigan? The average annual cost for an auto insurance policy in the state is an astounding 136 percent above the national average.

    According to InsuranceQuotes.com, a couple of factors are involved.

    “Michigan is the only state where car insurance includes unlimited lifetime personal injury protection, so that’s a major reason why car insurance is so expensive in Michigan,” Laura Adams, the company’s senior analyst, said in a press statement.

    “Since younger people are injured more frequently in auto accidents than older drivers, the cost of covering a lifetime of medical expenses could easily climb into the millions-of-dollars range,” added Lori Conarton, communications director for the Insurance Institute of Michigan.

    Another issue is the unusually high number of Michigan drivers without insurance. InsuranceQuotes.com said some estimates say around half of the drivers in Wayne County, where Detroit is located, don’t have auto insurance. No surprise, then, that coverage in Wayne County costs 45 percent more than Michigan’s statewide average.

    Least expensive: #5 Wisconsin

    Being a mostly rural state means fewer cars and less traffic, and that has helped Wisconsin keep its auto insurance costs 28 percent below the national average. While rates in the state’s biggest city, Milwaukee, are the state’s most expensive and nearly twice what most Wisconsin drivers pay, the state capital of Madison is one of the best cities in the country when it comes to low auto collision rates.

    Least expensive: #4 Maine

    Maine’s relatively small and mostly rural population allows auto insurers to keep costs 33 percent below the national average

    “We have few large urban areas so we have lower overall traffic problems, and we don’t have hailstorms or tornadoes,” Jeffrey McDonnell, president of the Maine Insurance Agents Association, recently told Insure.com. McDonnell also noted that Maine has one of the highest rates of insured drivers in the U.S., “so we have more people sharing the risk.”

    Maine was recently listed as the least expensive state when it came to insuring 2015 editions of the top 20 best-selling vehicles. The state also has one of the lowest motor vehicle theft rates in the U.S.

    Least expensive: #3 Ohio

    Being a partially rural state is just one factor that has helped keep Ohio auto insurance rates 33 percent below the national average. But intense competition among the state’s insurance companies is certainly another. Insure.com, quoting state data, says over 670 auto insurance carriers do business in the state, which is second only to Illinois.

    “Ohio continues to be a strong advocate for its citizens and has a strong insurance department that stays on the forefront as times are changing,” Jeannine Giesler, president of the Professional Independent Agents Association of Ohio, told the website. “It’s possible to get from independent agents rates that are very competitive.”

    Least Expensive #2: Idaho

    With its car insurance rates 37 percent below the national average, Idaho has the least expensive car insurance in the Western U.S. A recent Insure.com study said the average premium in Idaho is about half of what a driver would pay in Montana and several hundred dollars lower than the average rate in Oregon.

    Being a mostly rural state certainly keeps down those auto insurance rates. However, Insure.com also noted that only about 7 percent of Idaho drivers are uninsured, compared to the national average of around 13 percent.

    Least expensive: #1 North Carolina

    Leading the list with the least expensive car insurance in the nation, North Carolina has premium costs 41 percent below the national average. The Tar Heel State has some obvious advantages.

    As InsuranceQuotes.com points out, it’s mostly rural. But as North Carolina’s insurance commissioner says on the state’s Department of Insurance website, the state also “sets a cap on car insurance rates, and insurance companies compete by offering discounts below the established cap.”

    In fact, the competition to sell insurance for the lowest auto premiums is intense. According to InsuranceQuotes, North Carolina insurers offer more than 2,000 different types of auto insurance discounts, “an uncharacteristically high number.”

    Featured in Moneywatch

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    10 products you should never buy generic

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    Unlimited Canada Wide Calling

    Many Canadians don’t know about the in inexpensive alternative to calling cards or expensive per minute rates for calling across Canada. The unlimited two-stage Call Canada Plan can be used either on your mobile or landline phone by dialing local access numbers provided by Worldline. Whether you’re calling for a few minutes or few hours, feel confident that you will be only paying a flat rate of $3.95/month and not having to worry about a surprise long distance bill ever again.

    Plan Details

    $3.95 per month

    $10.00 Annual Network Fee applies to all Worldline Long Distance plans.

    Did you know. You can use this plan on your home phone or mobile device.

    An easy and cost-effective way to stay connected across Canada, and there is no need to switch phone companies.

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    Compare Cheap Car Insurance Quotes, motor insurance rates.

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    Car Insurance

    Save up to £273 on your car insurance*

    *51% of customers could save up to £273.83 Consumer Intelligence, November 2017

    Motor insurance rates

    Insure your car with Admiral and get £30 cashback

    If you take out car insurance with Admiral through MoneySuperMarket between 14 January and 4 February 2018, you’ll be eligible to receive £30 cashback.

    The offer will be paid on new policies only and is not available on renewals if you already have car insurance with Admiral Group, which includes the Diamond, Elephant and Bell brands.

    You have to hold the policy for a minimum 14 days, and the cashback will be sent to you within 90 days of your policy’s start date. For more information and full T Cs click here

    COMPARE CAR INSURANCE

    How to get a car insurance quote

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    You will also need to include information about your job, age, and where you live, along with details of your driving history (including any convictions and claims).

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    No Claims Discount (NCD) history

    Details of your no claims discount will help lower the price you are quoted. You can find out here how many years’ no claims discount your insurer will honour.

    Motor insurance rates

    Motor insurance rates

    How to reduce the cost of car insurance

    MoneySuperMarket data shows the average quoted premium for an annual fully comprehensive car insurance policy is £579 (September 2017), up 7.5% on the previous year. This increase in premiums makes it more important than ever to compare the best car insurance prices.

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    Don’t auto-renew: UK motorists lose around £2.37bn by rolling over their policies with the same insurer every year.

    Compare quotes: Market research company, Consumer Intelligence, found that 51% of customers who search for car insurance through us could save up to £273 on their annual premium*.

    Increase your excess: Insurers are likely to reduce the cost of cover if you increase your excess. Just make sure your excess is affordable. Read our voluntary excess guide.

    Build a no claims discount: Most insurers reward drivers for claims-free driving.

    *51% of customers could save up to £273.83 Consumer Intelligence, November 2017

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    Customer satisfaction rating

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    What types of car insurance policy are available?

    Third party provides the lowest level of car insurance cover. It insures you against damage to another person’s car or injury to them, however it doesn’t cover your car should it need to be repaired or replaced.

    Third Party Fire and Theft

    With third party, fire and theft you have additional cover to repair or replace your car if it’s stolen, damaged or destroyed by fire.

    Comprehensive Cover

    Fully comprehensive car insurance offers complete cover for your car and other drivers. This includes third party and third party fire theft, vandalism damage, accidental damage, repairs, and loss of gadgets such as sat nav systems.

    Our dedicated guides will help you work out which type of cover is right for you and your motor.

    How can we help you save on your car insurance?

    It’s our job to find you the best car insurance deal from a wide range of leading UK insurance companies. When you enter your details on our site, we send them to over 120 car insurance brands so they can compete for your business.

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    We’re 100% independent: working only for our customers

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    Level of service

    We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.

    MoneySuperMarket can help you find great deals on your car insurance. From single to multi-car deals, satellite-based telematics policies to insurance for classic cars, we search the market to get the best combination of protection and price. Check out our news and guide pages for more information.


    Find Cheap Car Insurance in New York, The Zebra, car insurance rates nyc.

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    New York Car Insurance

    Compare rates from 8 car insurance companies in New York.

    Your information is secure.

    Here’s what you need to know when driving in New York

    Across the Empire State, there are 242,769 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

    Car Insurance Laws

    State minimum insurance requirements in New York

    In New York, the state minimum coverage requirements are as follows:
    Liability
    • Bodily Injury $25,000 per person
    • Bodily Injury $50,000 per accident
    • Property Damage $10,000 per accident
    Uninsured/Underinsured Motorist
    • Bodily Injury $25,000 per person
    • Bodily Injury $50,000 per accident
    Personal Injury Protection (PIP)
    • $50,000 per person
    Optional coverage in New York (varies by carrier):
    • Comprehensive
    • Collision
    • Loan/Lease Payoff
    • Medical Payments
    • Rental Car Reimbursement
    • Roadside Assistance
    • Supplemental Uninsured/Underinsured Motorist Bodily Injury (SUM)
    • Additional Personal Injury Protection (APIP)
    • Optional Basic Economic Loss (OBEL)

    Liability coverage is legally required in New York and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In New York, the minimum is listed as 25/50/10 and explained below:

    $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

    $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

    $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

    Uninsured Motorist coverage is legally required in New York and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In New York, the minimum is listed as 30/60 and explained below:

    $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.

    $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

    Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In New York, minimum PIP coverage of $50,000 per person is required on your policy.

    These numbers reflect the minimum limits required in New York but higher coverage amounts are available with most companies.

    New York is a no fault state!

    What does this mean for you?

    Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

    Top New York Car Insurance Companies

    The Zebra compares over 200 companies 1,800 products, so you can save way more than 15%.

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    Allstate

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    Top 10 Cheapest Vehicles to Insure for Teens » News, best insurance rates for young drivers.

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    Top 10 Cheapest Vehicles to Insure for Teens

    Like AutoGuide.com on Facebook

    Best insurance rates for young drivers

    10. 2009 Ford Fusion: $2,890

    Insurance isn t kind to teenage drivers. Rates are usually double the price of experienced drivers. Luckily CarInsure.com has provided a list of the top 10 best vehicles to insure for teenagers.

    The rates are calculated based on a Washington family: a married couple driving a 2011 Honda Accord and a 2009 Chevrolet Traverse, with a clean driving record and good credit. Their teenage driver is a 16-year-old male, also with a clean driving record. This list covers a five-year insurance impact. The vehicles on this list are from 2008, or 2009.

    Tenth on the list is the 2009 Ford Fusion, equipped with ESC. This car gains its price thanks to a perfect NHTSA front impact score and the highest score possible for frontal-offset and side impact tests from the Insurance Institute for Highway Safety. The key to this model though is the optional electronic stability control.

    • Best insurance rates for young drivers
    • Best insurance rates for young drivers
    • Best insurance rates for young drivers
    • Best insurance rates for young drivers
    • Best insurance rates for young drivers
    • Best insurance rates for young drivers
    • Best insurance rates for young drivers
    • Best insurance rates for young drivers
    • Best insurance rates for young drivers
    • Best insurance rates for young drivers

    Online life insurance quotes, online life insurance quotes, cheap life insurance rates.

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    Instant Online Life Insurance Quotes in Canada

    Cheap life insurance rates

    At Insurance Shoppers, we guarantee you the lowest life insurance rates with some of Canada’s best Life insurance companies. Many of our customers save up to 73% on their life insurance premiums!

    Plus, we check to prevent “rate creep” and keep you at the lowest rate as things change year by year…

    I’m sure you’ve noticed others don’t do this. Because they can’t! We’re one of the only firms with contracts with virtually ALL Canadian life insurance companies. Which is why you’ll find the LOWEST price here at the click of a button, guaranteed.

    When you fill out the Best Rate Calculator on the right, we’ll immediately quote you rates from more than 25 top life insurance companies with 100% transparency so you can select, the lowest insurance price, guaranteed.

    Instant Quotes

    The only way you can make an informed decision is to compare all insurers, so do it here with no obligation.

    Why are we different from other online life insurance websites?

    There are 3 kinds of life insurance quotation websites on the internet these days

    Example Pricing Revealed

    This is just an example of what you will see on the other side, after you request an Instant online life insurance quote. As you can see, every company charges a different rate, but the benefit is the same, so

    Cheap life insurance rates

    The individual insurance company web sites

    These are the most useless to you. Most online life insurance sites do not compare all Canadian insurers. They usually only represent one company, which means that yo never get a good transparent comparison.

    Individual life insurance brokers

    that do not give you an instant online life insurance comparison. What they do is ask you to provide all your personal information, which they then farm out to other insurance agents, who will then call you and still won’t give you any quotes. No , what they will do is try to make an appointment with you to come over to your house and have an agent sit with you for hours to give you information that you could easily get on your own, without wasting any time.

    A true Instant online comparison website, such as this one

    This is what you will see once you have requested a life insurance quote on our website:


    Car Insurance Rates Mobile Form, lower insurance rates.

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    Car Insurance On-The-Go

    Comparing car insurance rates online is easier than ever with our handy new mobile app. You can still get the same benefit you get from the normal version of our site by entering your ZIP code above, which will allow you to compare specialized offers from major national insurance providers and local agents in your area. Gone are the days when you had to call one carrier after another – CarInsuranceRates.com has done all the heavy lifting for you! Just enter your ZIP code in the box above to see what our participating providers have in store for you.

    Expert Insurance Guides

    Need help picking the right options? Not sure what the various industry terms mean? We’ve got your back! CarInsuranceRates.com is chalk-full of helpful guides, useful tips, and article after article of informative information, complete with charts, checklists, and case study to help you make the best decision when selecting your policy type or end-provider.

    State-by-State Requirements

    Locality is one of the top factors that will influence what you can or can’t do with your car insurance policy. Laws, rules, and regulations changes all the time, and it’s our mission to try and keep you as up-to-date with pertinent information so you can make the right choice when selecting you coverage levels or provider.

    Ask a Question, Get an Answer

    Still need help getting to the bottom of your insurance situation? We have an easy-to-use library of questions-and-answers from current clients, with a wide range of solutions that even shocks us on occasion. No matter how obscure your query seems to be, don’t fret – we can help point you in the right direction of the information you need.

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    Is our mobile display just not doing it for you? We have the fully-loaded, live version of our site standing by. Just click the link below to view the site as though you were on a desktop machine.

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    Cheap Car Insurance For Young Drivers, best insurance rates for young drivers. #Best #insurance #rates #for #young #drivers


    Cheap car insurance quotes for young drivers

    By Peter Carr on Friday 13 October 2017

    Best insurance rates for young drivers

    Best insurance rates for young drivers

    MoneySuperMarket data. Correct as of June 2017

    What are the cheapest cars to insure for young drivers?

    Here are some of the cheapest cars to insure for drivers under 25:

    Car manufacturer and make

    Average annual premium

    Data collated between Jan 2017 and Jun 2017, from cars in insurance groups 1-3, and manufactured from 2006 onwards. Based on car insurance quotes run on MoneySuperMarket.

    As the data shows, your dream car might not be the best option if your priority is saving money on your car insurance. It pays to do your research, and opt for a model which could be cheaper to insure.

    As a younger driver, you’ve probably got a few car models in mind already. Our car insurance comparison service lets you research different types of car to get an idea of what cover you could get, and at what cost.

    Best insurance rates for young drivers

    MoneySuperMarket data. Correct as of June 2017

    Types of car insurance

    Third party car insurance is the minimum level of insurance required by law, followed by third party fire and theft (TPF T), which offers you more protection for your vehicle, and finally fully comprehensive car insurance, which is the most extensive level of cover.

    It’s important to compare all levels of cover because fully comprehensive is not always the most expensive option, contrary to what you might expect. This is because third party and TPF T have become the reflex choice of risky drivers looking to save money, which has prompted insurance companies to raise the price of these policies.

    In fact, an average third party only will set you back around £500 more than a fully comprehensive policy, if you are a young driver.

    Best insurance rates for young drivers

    MoneySuperMarket data. Correct as of June 2017

    Consider the ‘telematics’ option

    Whether you call it ‘black box’ or ‘telematics’ car insurance, this satellite technology offers an effective way to lower the cost of car insurance for young drivers.

    It works by using a small transmitter in your car to relay information on your driving style and driving patterns back to your insurer so they can base the price of your premium on how you actually drive and less on how people in your age group drive.

    In some instances, the information is relayed via an app you download to your phone.

    This approach is viewed as a fairer way of pricing policies and has seen many young drivers have their premiums significantly reduced.

    Best insurance rates for young drivers

    Best insurance rates for young drivers

    MoneySuperMarket data. Correct as of June 2017

    Cutting car insurance costs

    The good news, is that there are a number of ways for younger drivers to cut the cost of car insurance

    1. Run a price comparison quote.

    By using our comparison tool you can instantly compare car insurance to find the best cover to suit your motoring and financial requirements.

    2. Improve your driving skills.

    Some insurers will reduce your premium if you have completed Pass Plus.

    3. Add a named driver.

    But remember it’s crucial that the person who does the most driving in that car is listed as the ‘main driver’.

    4. Pay upfront.

    Paying monthly can cost more due to the interest charged on instalments.

    5. Pay a voluntary excess.

    Keep in mind that, after a certain level of excess, the cost of cover doesn’t change, and you must be sure that you can afford the level of excess that you have set for yourself.

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


    Best cars for teen drivers, low insurance rates for young drivers. #Low #insurance #rates #for #young #drivers


    The best cars for teen drivers

    Low insurance rates for young drivers Low insurance rates for young drivers Low insurance rates for young drivers Low insurance rates for young drivers

    While keeping your teen safe is your top priority, you also have to find a good first car that is both affordable and reliable. Car insurance for young drivers is expensive, and unless your day job is car salesperson, finding the perfect car for a first-time driver is often difficult.

    We are here to help.

    Carinsurance.com has compiled a list of recommended used cars for teens that should make your job a bit easier. These cars make a good first car for a teen without breaking the family budget. Here are our requirements:

    Low insurance rates for young drivers

    • They cost less than $15,000.
    • They are rated as an Insurance Institute for Highway Safety (IIHS) Top Safety Pick.
    • They keep fuel costs low with an EPA rating of at least 20-mpg combined.
    • They score better than average when it comes to annual repair visits according to TrueDelta.com.
    • Since safety is a huge factor for teen drivers, all of our vehicles are 2012’s with electronic stability control (ESC) as standard equipment. ESC helps drivers regain control of a vehicle during a slide and can be a real lifesaver. According to Anne McCartt, senior vice president for research at the IIHS, ESC is a must. “Parents should never consider any vehicle that doesn’t have electronic stability control,” she said.

    Here are the used cars that made the grade, along with their average cost according to Edmunds, and the annual policy cost (best and worst) for an 18-year-old who is buying their own insurance coverage:

    *Fewer visits is better.

    Choosing the right car for teens: Safety first, then price

    What your teen is looking for in a car and what you want them driving are often two different things.

    Boring is the way to go, according to Penny Gusner, consumer analyst with Insure.com. “Parents need to look for a boring, used car with lots of safety features. You want a car that the teen isn’t going to drive beyond their skills. Sedans are popular choices for novice drivers.”

    After safety, most parents are looking for affordability. Our list includes a wide variety of price points, ranging from $9,600 up to the full $15,000 limit. The recommended vehicles range from a smaller car, like the Honda Civic, all the way up to the Hyundai Tuscan SUV.

    McCartt likes the bigger cars for teen drivers. “When thinking about safety, parents may focus on features like the number of airbags, but a key part of crash protection is a vehicle’s size and weight. Bigger, heavier vehicles are more protective in crashes than smaller, lighter ones,” explains McCartt.

    Sports cars are an obvious no-no. Teen drivers don’t need the horsepower. “When buying a used vehicle for a teen, there are a few things you shouldn’t compromise on,” says McCartt. “Avoid high-horsepower vehicles that can encourage risky driving.”

    Now it’s time to look at one of the biggest cost factors, insuring your teen.

    Teen drivers: Car insurance rates for four scenarios

    While you certainly love your teen, there is a good chance your insurer will not. Car insurance for young drivers, whether you add them to your policy or they get their own, is always expensive. Teens bring stacks of risk to the table and insurance companies will charge you for that risk.

    See our guides to average rates by state for every age:

    According to the IIHS, a total of 2,823 teens died in car crashes in 2012. While this is a 68 percent drop from 1975 (thank airbags, ESC, and other safety features) it is still too many fatal accidents. Males are especially dangerous, accounting for two out of every three teen drivers killed.

    These depressing stats are a major reason for your impending premium increase. “Parents will normally see their car insurance bill double when adding a teen,” says Gusner. “A premium increase of anywhere from 100 to 200 percent is common.”

    Let’s look at the numbers and see just what a teen will do to your rates.

    Meet the Smith family. Abby (the mom) is 40, has a spotless driving record and is the primary driver of a 2015 Toyota RAV 4 LE. Jack (the Dad) is a bit older at 45, also has a spotless driving record and cruises around town in a 2010 Honda Accord LX.

    The best full coverage quote we could find for Jack and Abby was $1,788 a year, while the most expensive premium clocked in at $3,216. The difference is a whopping $1,428, which clearly illustrates the fact that insurers rate risk differently, and shopping your coverage on a regular basis is extremely important.

    Keep in mind that while this list highlights the rate differences between cars, it does not necessarily reflect what your household will pay for car insurance. Your rates could be lower or higher. The biggest factors that affect your premium are your ZIP code and your teen’s driving record.

    Watch what happens when we add Abby and Jack’s 18-year old son Steve to the policy.

    Assign the teen to your policy: The best rate we could find was $3,756, more than double their previous rate. The worst rate we came across was a budget-busting $6,444, a shocking 350 percent increase from the lowest quote without Steve.

    Buy the teen a late-model used car: If Jack and Abby feel that Steve needs his own car and put him in a late model-vehicle, such as a financed 2012 Toyota Corolla, the lowest yearly premium jumps to $4,800, while the highest rate was almost $8,000 a year.

    Buy the teen a beater car: Now let s stick Steve in a beater. Adding a 2008 Ford Taurus (liability coverage only) to the family policy drops the rate a bit, but not as much as you would hope. The cheapest quote was $4,400.

    Giving the teen his own beater car and policy: Kicking Steve off the family policy, keeping him in that 2008 Ford Taurus with only liability insurance drops his premium to $2,544. But when the original $1,788 (Jack and Abby’s insurance) is added in, the annual cost to insure the family is back up to $4,332, so not a big money saver.

    All of these numbers make one thing very clear, teens are expensive to insure, and frequently shopping your coverage can save you a ton of money.

    Safety and car insurance tips for teen drivers

    You can’t escape the price hike that adding a teen to your policy brings, but it is possible to minimize the damage. Here are a few tips from industry experts:

    Be a role model. “A well-trained driver is the most important safety feature in any car,” says Doug Herbert, founder of Put On The B.R.A.K.E.S. “Practice frequently with your teen driver and be a good role model behind the wheel.”

    Teen-driver course discounts. “Ask your insurer if there are discounts for a driver’s education course or if they have a teen program,” says Gusner. “Farmers’ program is called YES and State Farm has Steer Clear,” continues Gusner.

    Buy umbrella coverage. “Consider an umbrella liability policy,” says Loretta Worters, with the Insurance Information Institute (III). “In our litigious society, you may want to have an extra layer of liability protection. For about $150 to $300 per year, you can buy a $1 million personal umbrella liability policy,” explains Worters.

    Good student discount. Tell Junior to keep his grades up. “Your child can garner a discount if they maintain at least a B average. The discount usually runs from 5 to 15 percent,” says Gusner.

    Raise deductibles. Jacking up your deductible can also be a money saver. “Going from a $250 to $500 or $1,000 deductible can shave 10 to 20 percent off of your premium,” says Worters.

    Policy adjustments for college. Finally, when your teen goes to college, your rates may finally start dropping. “When your teen heads off to college, you may be eligible for lower premiums, provided the car stays behind. Many insurers will reduce rates for students attending a school at least 100 miles away from home who do not have a car on campus,” says Worters.

    Insurance rates are for an 18-year-old male in ZIP code 80104 (Castle Rock, Colorado) commuting 20 miles each way to school, with no accidents or violations. Coverage includes $100,000 bodily injury liability (up to $300,000 per accident) and $50,000 in property damage liability, $10,000 in personal injury protection and comprehensive and collision coverage with $500 deductibles.


    Insurance Coverage – DUI Charges – Automobile Car Insurances After Drunk Driving Arrests, dwi insurance rates. #Dwi #insurance #rates


    wisconsin owi-dui.com

    after an owi conviction

    If you are arrested and then convicted of any type of drunk driving offense, one of two things will happen to your automobile insurance coverage: 1) the insurance company will increase your premiums by a surcharge for the drunk driving (OWI – operating while under the influence) conviction, or 2) the insurance company will terminate your policy. Some insurance companies will refer those whom they are terminating to high risk insurance providers.

    property damage

    Insurance policies include provisions for coverage of property that is damage by a drunk driver, particularly if you are that driver. While most policies cover the property damage, you have to read your policy (or send it to your attorney) to ensure that you are covered. Many insurance companies will either drop the policy, or fail to renew it, if the person is convicted of an OWI and there was any property damage.

    dui insurance companies

    insurance agencies after OWI conviction

    The list of Wisconsin insurance companies below is not exhaustive, others may surely provide insurance for people have been convicted of an OWI, but this list gives you a place to start.

    All State Insurance Company

    All State Insurance Company provides DUI Insurance for persons who have no more than one drunk driving related conviction. Insurance premiums will include a surcharge for the OWI conviction. SR-22 is available. All state does not refer their insured clients to high risk companies. Other traffic related convictions may prevent insurance coverage.

    American Family Insurance Company

    American Family Insurance Company provides DUI insurance. They insurance people who have one prior OWI conviction, and include a surcharge to the premiums. If a person is convicted of an OWI – 2nd offense, American Family might still insure them, but application must be made and considered. In most instances, provided there are no other traffic related convictions to prevent coverage, American Family will insure a person who has been convicted of an OWI 2nd offense if the OWI 1st conviction occurred 5 or more years ago. An SR-22 is available, but must be done through a local agent. American Family refers people to other high risk agencies if they cannot insure.

    Dairyland Insurance Company

    Dairyland Insurance Company is the high risk insurance company used by Sentry Insurance to insure people who have been convicted of OWI 1st offense. Insurance premiums carry a surcharge for the OWI conviction. An SR-22 is available.

    Geico Insurance Company

    Geico Insurance Company looks back 10 years on a person’s driver’s license record. They will insurance a person who has been convicted of one OWI 1st offense, but they will not insure a person who is convicted of an OWI 2nd offense. Insurance premiums include a surcharge for the OWI conviction. An SR-22 is required. Geico will not refer people to high risk agencies.

    Liberty Mutual Insurance Company

    Liberty Mutual Insurance Company will not insure anyone who has been convicted of an OWI in past 5 years. They do not refer people to high risk insurance companies.

    progressive insurance company

    Progressive Insurance Company looks back three years into a person’s driver’s license record. They will insure people with previous drunk driving convictions, regardless of the number of prior convictions. They offer the SR-22 certificate. Insurance premiums are at a higher rate if there are OWI convictions on the insured’s record, but the OWI convictions carry the same weight as a traffic ticket.

    sentry insurance company

    Sentry Insurance Company provides insurance to persons who have been convicted of no more than one OWI in the state of Wisconsin through DairyLand Insurance

    State Farm Insurance Company

    State Farm Insurance Company will assess a drunk driving conviction of a current policy holder to determine how insurance will be handled. In most situations, if the policy holder has been with State Farm for a period of years, and is convicted of an OWI 1st offense (and only one within 3-5 years), but otherwise has a perfect driving record, State Farm may not drop the policy. Rates will increase. If however there was also property damage involved with the OWI charge, State Farm will drop the insured immediately or fail to renew. If you were not a State Farm customer, they will look back five years into your driving record. If everything else was perfect 3 years ago, and the OWI occurred more than 3-5 years, they might insure but an application must be submitted. State Farm refers people they cannot insure to Agent’s Choice, who will accept an application for insurance. If approved, Agent’s Choice will provide coverage for 5 years, and then send the person back to State Farm.

    Dwi insurance rates


    California s Low Cost Auto Insurance Program, lowest auto insurance rates in california. #Lowest #auto #insurance #rates #in #california


    California’s Low Cost Auto Insurance Program

    Consumers – Please visit www.mylowcostauto.com or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

    Insurance Agents and Brokers (Producers) – Please visit www.aipso.com/PlanSites/CaliforniaLowCost.aspx for more information.

    About California’s Low Cost Automobile Insurance Program

    California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

    However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

    Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: www.mylowcostauto.com .

    CLCA important links:

    • Reports to the Legislature and Consumer Education and Outreach Plans
    • CLCA Tip Card (PDF)
    • Cost of CLCA Insurance Rates Sheet by County 201 7
    • Cost of CLCA Optional Rates Sheet 201 7
    • Good Driver Definition (PDF)
    • Applicant Income Eligibility Requirement (PDF)
    • Request CLCA Tip Cards to be mailed to your organization.
    • Invite CEOB to your outreach event or meeting!
    • If you have a question about the CLCA program, send us an e-mail!

    Contact Us:

    The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

    Consumer Education and Outreach Bureau

    300 S. Spring Street, South Tower

    Los Angeles, CA 90013

    Toll free (877) 401-9550

    The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).


    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, online insurance rates. #Online #insurance #rates


    Auto Insurance

    Get an auto insurance quote

    America’s finest agents, quote and buy online, great discounts, and award winning claims service.

    Why Farmers Auto Insurance is a Smart Choice

    At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

    That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

    Car insurance with Farmers means:

    Control over your policy

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    Our long list of auto insurance discounts saves you money on smarter coverage.

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    Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

    Customize your Auto Insurance policy with plenty of coverage options

    Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

    That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

    Consider additional coverage options* like:

    Accident Forgiveness

    You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

    No Fault, No Foul

    Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

    Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

    Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

    Farmers Rideshare

    Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

    Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

    You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

    *Not available in all states.

    **Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

    This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.


    Acceptance Insurance, Florida, car insurance rates in florida. #Car #insurance #rates #in #florida


    Florida Auto Insurance – Get a Free Quote Online

    Car insurance rates in florida

    Acceptance knows what makes a great Florida auto insurance policy: outstanding value for the money and first-rate customer service. We offer value to our customers with a diverse selection of auto insurance products, so you can get the policy that’s right for your needs, including these fundamental types of coverage:

    • Florida requires drivers to carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability coverage.

    Basic Liability Coverage

    Drivers in this state are legally required to carry Florida auto insurance with at least the basic property damage liability coverage. This type of insurance covers the other driver’s property in the event of a collision for which you are at fault. Most serious collisions are far more expensive than that though, so it’s a good idea to consider additional coverage. However, Florida does not require bodily injury liability coverage. This means that if you are at fault in an accident and the other driver incurs accident-related medical expenses, your insurance would not cover any of it. Bodily injury liability insurance is highly recommended in Florida so you will be covered in case of an at-fault accident.

    Personal Injury Protection

    In Florida, all drivers are legally required to purchase personal injury protection, or PIP. This covers the majority of medical expenses for you and your passengers, regardless of who is at fault in an accident. This coverage also covers, in part, lost wages, all replacement services such as child car, housekeeping or lawn work. It also provides a death benefit.

    Comprehensive and Collision Coverage

    Adding comprehensive and collision protection to your policy is a smart move. A comprehensive and collision policy will cover your property repair and replacement costs following an accident – not just the other driver’s – and you can even add rental car coverage. Comprehensive coverage applies to things like fire, theft, vandalism and other types of damage, as well. If you’re worried about the monthly payments, Acceptance has you covered. You can always choose a higher deductible to lower your policy premiums.

    Uninsured Motorist Coverage

    If you want to know that you’re covered in the event of an accident, regardless of the other driver’s insurance status, you will need to add uninsured motorist coverage to your Florida auto insurance policy. This type of coverage will protect you from the high costs of medical bills and repairs resulting from collisions with drivers who were not carrying insurance, or who had inadequate coverage for the scope of the damage. Acceptance Insurance offers a range of uninsured motorist coverage to suit your needs.


    Compare Car Insurance Quotes: Fast, Easy, Secure, auto insurance rates comparison.

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    Auto insurance comparison made easy.

    In just minutes, Compare.com gives you up to 50 free auto insurance quotes. We do all the work so you don t have to. Who knew saving money is this easy?

    We Make Comparing Rates Online Simple

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    In a snap, you’ll see side-by-side comparisons of real-time auto insurance quotes. They’re real prices, not estimates, along-side helpful information about the car insurance companies.

    Click and save

    One click and you’ll instantly be connected with the insurance company of your choice. There, you’ll complete the purchase of your new auto insurance policy.

    Save your information

    Come back and easily compare rates at any time knowing that your information is safely stored in our secured database.

    Top Car Insurance Companies

    We work with the most reliable auto insurance companies in America to get you the lowest insurance prices available.

    • Auto insurance rates comparison
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    Why Compare Auto Insurance Rates?

    You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).

    Why Compare Auto Insurance Rates?

    You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).

    Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.

    To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

    Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.

    To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

    5 Most Common Auto Insurance Mistakes

    Make sure you’re saving the most by avoiding these common auto insurance pitfalls.

    1. 1
    2. 2
    3. 3
    4. 4
    5. 5

    Not updating your relationship status.

    Married drivers typically pay less for car insurance. Combine your auto insurance policies and you could be saving approximately 10 to 12 percent.

    *Edmunds estimates the average savings for married couples is 10-12 percent. On average, a 20-year-old female pays 22 percent less when she is married.

    Forgetting you’re a homeowner.

    If you own a home, you could be saving up to 3 percent on your auto insurance policy. Want to save even more? Bundling your home and auto insurance can save you up to 8 percent on your current coverage costs.

    *Data provided by Value Penguin

    Unaware your credit score affects your insurance rate.

    Those with average credit scores paid $214 a year more on their auto insurance policies than similar drivers with high credit scores.

    *Data provided by Consumer Reports

    Over-reporting your mileage.

    Do you commute? Use your car for pleasure only? If you’ve started driving less since the last time you reported your mileage, recalculate. It could reduce your premium by 5-10 percent.

    *Data provided by Consumer Federation of America


    The Average Car Insurance Rates by Age, average car insurance rates.

    #Average #car #insurance #rates


    The Average Car Insurance Rates by Age

    Average car insurance rates

    Contents

    Average car insurance rates vary widely depending on the age of the driver. When all other factors are the same or equal, older, more experienced drivers pay lower premiums than younger drivers. In order to better illustrate how age affects car insurance rates, here is a sampling of rates collected from CarInsurance.com for a 2004 Honda Civic LX. For the purposes of this comparison, the vehicle has been paid off (no loan) and has a manual transmission. The owner is male and drives the vehicle an average of 40 miles per day.

    Coverage for our comparison includes a full comprehensive and collision policy that includes standard coverage limits in most states.

    Policy Coverage Limits

    • Bodily Injury Liability Coverage: $100,000 per person, $50,000 per accident
    • Property Damage Liability Coverage: $50,000 per person, $50,000 per accident
    • Medical Payments Coverage: $10,000 per person, no accident cap
    • Uninsured Motorist Bodily Injury Coverage: $50,000 per person, $100,000 per accident
    • Uninsured Property Damage Coverage: $50,000 per accident

    Deductible Amounts

    • Uninsured Motorist Deductible: $500
    • Comprehensive Deductible: $250
    • Collision Deductible: $250

    The sample policy also includes coverage for towing and standard rental-car coverage. As for the driver, he has no tickets or infractions in 5 previous years and has an average credit score.

    Drivers Aged 24 Years and Younger Averages

    For drivers under the age of 24, rates for this automobile on a 6-month policy are as follows:

    Drivers Age 25 to 29

    For drivers age 25 to 29, the average rates for the same 6-month coverage and with the same vehicle are:

    Drivers Age 30 to 39

    For drivers age 30 to 39, the average rates for the same 6-month coverage and the same vehicle are:

    Drivers Age 40 to 49

    For drivers age 40 to 49, the average rates for the same 6-month coverage and the same vehicle are:

    Drivers Age 50 to 59

    • Travelers Insurance: $480
    • Direct Insurance: $868
    • Esurance: $1,032
    • Safeco Insurance: $1,058
    • Compare Car Insurance Quotes

    Senior Citizen Policy Considerations

    When drivers reach the age of 60, pricing for car insurance starts to make less sense. Some companies reward our most experienced drivers with lower rates, while some choose to start charging senior citizens higher premiums. Here are the rates for the same coverage as above.

    • Travelers Insurance: $529
    • Direct Insurance: $838
    • Esurance: $1,022
    • Safeco Insurance: $1,053

    As you can see, Travelers Insurance charges about 10 percent more for seniors than it does for drivers in their 50s. The other three companies offer very minimal reductions in premium rates charged to senior citizens.

    Women’s Policies are Cheaper

    All of the above price comparisons are for male drivers. Women drivers always enjoy slightly lower rates for the same coverage. This is because most major insurance carriers consider women safer drivers than men. Until age 55 or so, women usually enjoy a 10% rate reduction versus men. After age 55, the gap closes to only about a 5% cost difference.

    Related Questions and Answers

    Does Car Insurance for a Senior Citizen Automatically Go Down, or is it Only AARP Discounts?

    Seniors often enjoy great car insurance discounts as long as they do their homework and maximize their opportunities. While AARP is the best-known car insurance discount for seniors, there are others available, like AAA, that offer discounts. Other opportunities include enrolling in and passing a defensive-driving course and maintaining a good driving record. Some seniors may also find they’re spending less time on the road and this can make them eligible for a low-mileage discount. Deals for senior citizens vary by insurance company, so ask your insurance carrier about the discounts available for senior drivers.

    Related Articles

    Average car insurance rates


    Compare Insurance Rate Quotes – Home, Life, Auto, Motorcycle, shop insurance rates.

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    Compare Rate Quotes

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    FIND THE BEST HOME INSURANCE RATES TODAY!

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    COMPARE AUTO INSURANCE QUOTES TO FIND THE LOWEST RATES!

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    COMPARE MOTORCYCLE INSURANCE RATES FROM MULTIPLE PROVIDERS!

    Shop and Compare Insurance Rates!

    Find The Lowest Home, Life, Car, Truck, and Motorcycle Insurance Rates.

    Home Insurance Rate Quotes

    Shop and compare home insurance rate quotes from multiple insurance companies to find the lowest rate! Simply enter your zip code to check rates from different providers.

    Car Insurance Rate Quotes

    Shop and compare car insurance rate quotes from multiple car insurance companies. Enter your zip code to get car insurance rate quotes from different car insurance providers.

    Life Insurance Rate Quotes

    Quickly shop and compare life insurance quotes from multiple life insurance providers. Simply enter your zip code to get life insurance rate quotes from several life insurance companies.

    Motorcycle Insurance Rate Quotes

    Shop and compare motorcycle insurance rate quotes to find the lowest rate! Simply enter your zip code to get rate quotes from multiple motorcycle insurance companies.

    Thinking of Purchasing a Home or Refinancing? Find Today’s Current Mortgage Refinance Rates!

    Mortgage and refinance rates are still at very low historical levels, and mortgage lenders have begun to loosen some of the strict lending requirements implemented after the housing market crash.

    Today s Mortgage Rates

    As you ve most likely heard, mortgage rates have increased this year, however they are still at very low historical levels. If you are looking to purchase a home or refinance an existing home its important to shop around for the best mortgage rate depending on your needs. Not all mortgages are created equal, so you should take the time to compare not only mortgage rates, but also all of the terms provided by any particular home loan lender. To find current mortgage rates in your area simply click the Get Rates button below.

    Today s Refinance Rates

    Mortgage rates are still at very low historical levels, so if you have a higher mortgage rate, now may be the time to take advantage of these low mortgage interest rates. Banks and mortgage lenders have begun to loosen the tight standards that were implemented after the housing market crashed a few years ago, so you may be able to qualify for a lower rate now. It doesn t hurt to check and compare refinance rates in your area. To find current refinance rates in your area simply click the Get Rates button below to view the latest rates in your town.


    AARP Life Insurance Program from New York Life, life insurance rates chart.

    #Life #insurance #rates #chart



    The Only Life Insurance Program

    Just for AARP Members

    The AARP Life Insurance Program from New York Life: Affordable coverage from a name you can trust. Because at this stage of your life, you deserve added peace of mind.

    Life Insurance »

    The AARP Life Insurance Program from New York Life Insurance Company offers members both term and permanent group coverage. No physical exam is required. For most products, acceptance is based on your health information. Find out which coverage is right for you.

    Customer Service »

    Access your account online to make payments, manage beneficiaries and more. Click the button below to log in or set up online access if you haven’t yet enrolled.

    From New York Life, Endorsed by AARP

    The AARP Life Insurance Program is endorsed by AARP, a nonprofit membership organization that helps people 50 and over improve the quality of their lives.

    Call a New York Life Representative

    Life Insurance: 1-800-865-7927 Monday – Friday: 8 a.m. to 8 p.m. (ET)

    Saturday: 9 a.m. to 5 p.m. (ET)

    Get Started Today!

    -LIFE INSURANCE-

    Level Benefit Term

    Permanent

    Guaranteed Acceptance

    Young Start

    Learn More About Life Insurance

    Quick Links

    † Includes details on costs, eligibility, renewability, limitations and exclusions.

    New York Life Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, producers, or brokers. AARP has established the AARP Life Insurance Trust to hold group life insurance policies for the benefit of AARP members.

    The AARP Life Insurance Program is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. AARP membership is required for Program eligibility. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Group policy forms AA-08, AA-66, AA-67, AA-68, AA-71, AA-72 and Individual policy forms ILJUV6, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-OH, ILJUV6-VT).

    Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee of the AARP Life Insurance Trust.

    Young Start is a service mark of New York Life Insurance Company.

    The licensed life insurance agent is Michael Horan (Arkansas #280279, California #0B58435). Please call New York Life at 1-800-865-7927 .

    © 2018 New York Life Insurance Company. All rights reserved.

    An error has occurred, which may prevent this page from functioning properly. We apologize for any inconvenience this may have caused. Please try again later.

    Life insurance rates chart



    Compare insurance rates by state, compare insurance rates by state.

    #Compare #insurance #rates #by #state



    Homeowners Insurance Comparison

    Choosing the right insurance policy can be difficult and confusing. OPIC created this comparison tool to assist you with this decision.

    HOW TO USE THIS TOOL.

    Our comparison tool allows you to compare up to 5 different insurance policies. Here’s what to do:

    FIRST: Choose a company from the Company drop down menu.

    If you can’t find a homeowners company listed on the drop down menu, it may be because the company is a farm mutual company (such as Germania or Hochheim Prairie) or a surplus lines company. These companies are not required to file their policy forms with the Texas Department of Insurance (TDI).

    SECOND: Choose the policy you wish to compare from the Policy drop down menu.

    Some companies may offer more than one policy. If you are unsure of which policy to compare, ask an agent or company representative the name of the policy the company is most likely to offer you.

    THIRD: Click t he Show Comparison button.

    It s that simple. Our comparison tool will generate the results in an easy to read chart that allows you to compare each policy.

    THIS TOOL IS FOR COMPARISON AND INFORMATIONAL PURPOSES ONLY

    The results generated by this tool are for informational purposes only. Before purchasing a policy, please check with an agent or company representative to ensure the information provided by this tool is consistent with what the company is currently offering. Always refer to the actual policy language to determine the full extent of coverage under a policy.

    OTHER IMPORTANT INFORMATION YOU NEED TO KNOW.
    This Chart Provides a Summary of Your Policy Coverages

    The results generated by the comparison tool are based on the most recent information provided to OPIC by the Texas Department of Insurance. Every effort has been made to keep the information accurate and up to date. The comparison tool generates a summary of the coverages provided by the policies you selected. This summary is not a substitute for the actual policy language. Additionally, a policy may include other coverages not listed on the comparison tool. Always refer to the actual policy language to determine the full extent of coverage under a policy.

    Companies Can Endorse Their Policies

    Companies can add endorsements to your policy that alter the coverage provided by the base policy. If a company offers or requires an endoresment that affects the coverages displayed on the chart, those changes will be noted. However, since the comparison chart may not show all the coverage provided by a particular policy form, it is important for you to ask the agent or company if any endorsements will be added to your policy.



    Car Insurance Rates Mobile Form, state car insurance rates.

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    Car Insurance On-The-Go

    Comparing car insurance rates online is easier than ever with our handy new mobile app. You can still get the same benefit you get from the normal version of our site by entering your ZIP code above, which will allow you to compare specialized offers from major national insurance providers and local agents in your area. Gone are the days when you had to call one carrier after another – CarInsuranceRates.com has done all the heavy lifting for you! Just enter your ZIP code in the box above to see what our participating providers have in store for you.

    Expert Insurance Guides

    Need help picking the right options? Not sure what the various industry terms mean? We’ve got your back! CarInsuranceRates.com is chalk-full of helpful guides, useful tips, and article after article of informative information, complete with charts, checklists, and case study to help you make the best decision when selecting your policy type or end-provider.

    State-by-State Requirements

    Locality is one of the top factors that will influence what you can or can’t do with your car insurance policy. Laws, rules, and regulations changes all the time, and it’s our mission to try and keep you as up-to-date with pertinent information so you can make the right choice when selecting you coverage levels or provider.

    Ask a Question, Get an Answer

    Still need help getting to the bottom of your insurance situation? We have an easy-to-use library of questions-and-answers from current clients, with a wide range of solutions that even shocks us on occasion. No matter how obscure your query seems to be, don’t fret – we can help point you in the right direction of the information you need.

    Visit the Full Site

    Is our mobile display just not doing it for you? We have the fully-loaded, live version of our site standing by. Just click the link below to view the site as though you were on a desktop machine.

    800 Fifth Avenue, Suite 4100, Seattle, WA 98104


    Compare Car Insurance Quotes: Fast, Easy, Secure, car insurance rates comparison.

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    Auto insurance comparison made easy.

    In just minutes, Compare.com gives you up to 50 free auto insurance quotes. We do all the work so you don t have to. Who knew saving money is this easy?

    We Make Comparing Rates Online Simple

    Sit back while we provide you up to 50 free car insurance quotes. See how it works.

    Provide your information one time only

    Tell us a little bit about yourself, your car, and your driving record. Then do the same for anyone else covered by the same auto insurance policy.

    Sit back and watch

    In a snap, you’ll see side-by-side comparisons of real-time auto insurance quotes. They’re real prices, not estimates, along-side helpful information about the car insurance companies.

    Click and save

    One click and you’ll instantly be connected with the insurance company of your choice. There, you’ll complete the purchase of your new auto insurance policy.

    Save your information

    Come back and easily compare rates at any time knowing that your information is safely stored in our secured database.

    Provide your information one time only

    Tell us a little bit about yourself, your car, and your driving record. Then do the same for anyone else covered by the same auto insurance policy.

    Sit back and watch

    In a snap, you’ll see side-by-side comparisons of real-time auto insurance quotes. They’re real prices, not estimates, along-side helpful information about the car insurance companies.

    Click and save

    One click and you’ll instantly be connected with the insurance company of your choice. There, you’ll complete the purchase of your new auto insurance policy.

    Save your information

    Come back and easily compare rates at any time knowing that your information is safely stored in our secured database.

    Top Car Insurance Companies

    We work with the most reliable auto insurance companies in America to get you the lowest insurance prices available.

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    Why Compare Auto Insurance Rates?

    You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).

    Why Compare Auto Insurance Rates?

    You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).

    Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.

    To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

    Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.

    To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

    5 Most Common Auto Insurance Mistakes

    Make sure you’re saving the most by avoiding these common auto insurance pitfalls.

    1. 1
    2. 2
    3. 3
    4. 4
    5. 5

    Not updating your relationship status.

    Married drivers typically pay less for car insurance. Combine your auto insurance policies and you could be saving approximately 10 to 12 percent.

    *Edmunds estimates the average savings for married couples is 10-12 percent. On average, a 20-year-old female pays 22 percent less when she is married.

    Forgetting you’re a homeowner.

    If you own a home, you could be saving up to 3 percent on your auto insurance policy. Want to save even more? Bundling your home and auto insurance can save you up to 8 percent on your current coverage costs.

    *Data provided by Value Penguin

    Unaware your credit score affects your insurance rate.

    Those with average credit scores paid $214 a year more on their auto insurance policies than similar drivers with high credit scores.

    *Data provided by Consumer Reports

    Over-reporting your mileage.

    Do you commute? Use your car for pleasure only? If you’ve started driving less since the last time you reported your mileage, recalculate. It could reduce your premium by 5-10 percent.

    *Data provided by Consumer Federation of America



    Average Car Insurance Rates by ZIP Code, compare auto insurance rates.

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    AVERAGE CAR INSURANCE RATES in your neighborhood

    Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

    CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).

    Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.

    Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.

    Your own rate will depend on your personal factors and vehicle.

    Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.

    $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.

    $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.

    • Compare auto insurance rates90010- LOS ANGELES: $2,552
    • Compare auto insurance rates90038- LOS ANGELES: $2,507
    • Compare auto insurance rates90020- LOS ANGELES: $2,494
    • Compare auto insurance rates90028- HOLLYWOOD: $2,488
    • Compare auto insurance rates93441- LOS OLIVOS: $1,071
    • Compare auto insurance rates93437- LOMPOC: $1,088
    • Compare auto insurance rates93427- BUELLTON: $1,091
    • Compare auto insurance rates93401- SAN LUIS OBISPO: $1,095

    It s always wise to compare car insurance rates because the price of a policy can differ by hundreds of dollars. That’s because car insurance companies use different formulas when deciding how much you pay. This means you could wind up paying a lot more than you need to if you don t shop around for the lowest price.

    Use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. To get a customized rate, select from among six age groups and three coverage levels and enter your gender. You can shop for a policy now by entering your information after clicking on the “Start Shopping Now” button above.



    Car Insurance & Auto Insurance from Nationwide, online car insurance rates.

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    6 reasons to choose Nationwide for car insurance

    Online car insurance rates

    On Your Side ® Claims Service

    After an accident, you want things to get back to normal fast. File your car insurance claim and choose a repair shop in our network to get a written guarantee for as long as you own your vehicle.

    Online car insurance rates

    Discounts on car insurance rates

    We offer many ways to lower your auto insurance rates, including good student and multi-policy discounts.

    Online car insurance rates

    See what members are saying about Nationwide

    Want to know how we handle claims? Find out online from our auto insurance members. Learn why they would recommend us to friends and family and then get an online auto insurance quote today.

    Online car insurance rates

    Vanishing Deductible ®

    As you shop for online car insurance, keep in mind that we want to reward safe drivers. Our exclusive program reduces your car insurance deductible $100 for every year of safe driving.

    Online car insurance rates

    On Your Side ® Review

    Make sure your vehicle insurance keeps up with your life. A Nationwide insurance agent can help you get the coverage you need and the discounts you deserve to lower your car insurance rates.

    Online car insurance rates

    Member resources

    As a member, you can update your account quickly and easily when and where you want, get answers to your questions, catch up on what we’re doing today and see what it means to be a member.

    If you own a classic, antique, vintage or other collector vehicle, you may need classic car insurance. Learn more about Nationwide classic car coverage, which we offer in partnership with Hagerty.

    Online car insurance rates

    Vehicle Safety Tips

    Learn how to protect yourself and passengers with safe driving tips and auto insurance basics.

    Online car insurance rates

    Driving Tips for Teens and Parents

    Find out how to keep costs – and stress levels – down with your teen driver.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

    Bundle and Save on Your Insurance

    Combine auto, home and life to save time and money.

  • Discover the Benefits of Online Access

    Pay a bill, print an ID card, view policy details, manage your policy and so much more.

  • Teen Driver?

    Find out how to keep costs − and stress levels − down.

  • Homeowners Insurance

    The coverage you need to protect your property – and yourself.

  • Boat Insurance Discounts

    Keep your premiums low with these special savings.

  • Motorcycle Insurance

    Find out why so many riders are switching to Nationwide.

  • Vanishing Deductible ®

    Get $100 off your auto insurance deductible for every year of safe driving.

  • What’s Your Sign?

    Learn what your road sign horoscope says about you.

  • Auto Insurance by State

    Get the right coverage for your area.

  • Low Auto Loan Rates

    Pay less on what you borrow with Nationwide Bank.

  • Nationwide Mobile App

    Our accident toolkit can make filing a claim even easier.

  • Pet Insurance

    Nose to tail coverage is more affordable than you think.

  • Online car insurance rates

    For Sports, Camps and Events

    Protect your participants with accident medical insurance.

  • Start a Claim

    Talk to an agent or make your claim online.

  • Long-term Care Concerns?

    Find out how life insurance may be able to help.

  • Watch Our Ads

    Check out the latest Nationwide television commercials.

  • Safety First

    Prepare your house and your family for bad weather.

  • Online car insurance rates

    Now From Nationwide Blog

    Basic how-tos, articles and more on what matters most.

  • Test Your Knowledge

    See how well you really understand insurance.

  • Multiflex SM Dental Insurance

    Get affordable and flexible coverage that gives you the freedom to choose any dentist.

    Share Article

    • Vehicle Insurance
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    Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide Mutual Insurance Company.



  • Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, cars with cheap insurance rates.

    #Cars #with #cheap #insurance #rates



    Auto Insurance

    Get an auto insurance quote

    America’s finest agents, quote and buy online, great discounts, and award winning claims service.

    Why Farmers Auto Insurance is a Smart Choice

    At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

    That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

    Car insurance with Farmers means:

    Control over your policy

    You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

    Personalized attention

    Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

    Insight and guidance

    Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

    Convenience

    Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

    Smart savings

    Our long list of auto insurance discounts saves you money on smarter coverage.

    24/7 protection

    Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

    Customize your Auto Insurance policy with plenty of coverage options

    Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

    That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

    Consider additional coverage options* like:

    Accident Forgiveness

    You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

    No Fault, No Foul

    Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

    Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

    Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

    Farmers Rideshare

    Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

    Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

    You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

    *Not available in all states.

    **Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

    This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.



    Term Life Insurance Canada – Life Insurance Inc, life insurance rates comparison.

    #Life #insurance #rates #comparison



    Life insurance rates comparison

    Life insurance rates comparison

    We are independent Canadian Life Insurance Brokers. Shop online for term life insurance quotes and critical illness insurance quotes

    nobody quotes more companies.

    Life insurance rates comparison

    Types of Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Life insurance rates comparison

    Critical Illness Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).

    Life insurance rates comparison

    Term Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Life insurance rates comparison

    No Medical Exam Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).



    Million Dollar Life Insurance: Do You Need it, Trusted Choice, million dollar life insurance rates.

    #Million #dollar #life #insurance #rates



    Million Dollar Life Insurance Policy

    Million dollar life insurance rates

    A million dollars worth of life insurance may seem extravagant, but many people may need that much coverage to support their family’s needs or their financial goals. Most people in the U.S. who have life insurance are actually underinsured. When you add up all of your current debts, your family’s regular living expenses and future financial obligations such as college tuition, you might just find that you actually need that million dollar policy.

    A million dollar life insurance policy may not be as expensive as you think. If something should happen to you and your family needs to carry on, would an estimated $30 to $100 monthly premium for a $1 million term policy be worth it to you? To review a range of life insurance options and rates, contact an independent agent in the Trusted Choice ® network. One of these agents can help you compare quotes and find the most suitable coverage to protect your family.

    Cost of Living Statistics

    • The average cost of college tuition and fees for the 2012–2013 school year was $29,056 at private colleges
    • In 2012, the average cost of a funeral was $8,565
    • The average cost of a home in February 2013 was $152,000
    • In 2012, the average cost of childcare in Massachusetts was $15,000
    • In 2012, the average credit card holder in the U.S. had a debt of $15,162

    What Is a Million Dollar Life Insurance Policy?

    A million dollar life insurance policy is a contract with a face value of a million dollars made between you and the insurance company. The contract comes into effect when they receive your first premium and remains in effect for the duration of the contract, as long as you continue to pay your premiums.

    If you die during the terms of the contract, your named beneficiary will receive a million dollar lump sum payment from the insurer. Unless you name your estate as your beneficiary, or purchase the policy as a third party, these insurance proceeds will also be non-taxable by the IRS or state agencies. When buying such a large policy, it is advisable to discuss the details with your financial or tax advisor so that you fully understand all financial ramifications.

    How Much Does a Million Dollar Life Insurance Policy Cost?

    The cost of a million dollar life insurance policy takes into account a number of variables. The first of these variables is the type of policy you buy. You have two types of life insurance to choose from:

    • Term life insurance: Term life insurance is the most affordable form of life insurance available. It covers death benefits only. You purchase a term policy for a period known as a “term.” A term can be just about any period of time you set with your insurance company; it could be 1, 5, 10, 15, 20, 25 or 30 years, for example. The premiums are typically fixed for the life of the term. This type of policy is renewable and most insurers allow you to convert a term policy to a permanent policy such as whole life or universal life.
    • Permanent life insurance: Permanent insurance comes in three basic types of policies: whole life, universal life and variable life insurance. There are a variety of these policies available in varying formats offered by insurance companies so you should always review policies closely to understand what you are buying. These policies are more expensive than term life policies because, in addition to the death benefits, they also have a cash value accumulation feature.

    Life insurance underwriters use algorithms to determine how much your premium will cost, and these are based on a wide range of factors, including:

    • Your gender
    • Your age
    • Whether you are a smoker
    • Your health profile
    • Your lifestyle
    • Your family history
    • Your occupation and your hobbies
    • The results of your medical exam

    The following are sample premium costs for a $1,000,000 20-year term life insurance policy for “preferred plus” rates for males and females who are non-smokers and in good health.

    Million dollar life insurance rates

    What Are the Features of Million Dollar Life Insurance?

    The features of a million dollar policy depend on the type of the policy you purchase. With a term life insurance policy, you are insured for the period of the term you purchased, such as 20 years.

    Although this type of policy is also renewable, it can be significantly more expensive to renew because you will have aged 20 years since the original purchase, and the premium increase will reflect this age difference. You may also have the option to convert the policy to a permanent policy and may not be required to take a medical exam.

    With a permanent policy you are covered for your entire life. Not only would your beneficiary receive the death benefits, or “face value” of the life insurance policy, but you are also accumulating a living benefit – the cash value that accumulates in the saving/investment component of your policy.

    After a certain length of time, and depending on the policy and the insurer, you can also borrow against the cash value of the policy. You can borrow these funds as a non-taxable withdrawal. If you do not repay the amount you borrowed, your death benefits will be reduced accordingly.

    Does a Million Dollar Life Insurance Policy Make Sense for You?

    Only you can decide whether a life insurance policy of this size makes sense for you, but you can do a self-inventory in order to make a good choice. The two main factors you should consider include both your current financial needs and future financial obligations. A million dollar policy could make sense if you need it to cover all your current debts such as a mortgage, personal loans and credit cards. Also factor your loss of income, the funds needed to pay for your children’s college education and the annual cost of living for the people in your household.

    The rule of thumb suggested by most experts is that the minimal amount of life insurance should be equivalent to between 5 and 10 times your current gross annual income. You should basically consider all your financial obligations and deduct your current investments and assets, as well as the impact of the loss of income for the household, when determining the amount of life insurance that makes sense for you.

    To get help with assessing your life insurance needs, speak with an independent life insurance agent in the Trusted Choice network. These agents provide unbiased information, as they work with multiple life insurance companies and do not promote any one insurance company’s products. An independent agent will help you evaluate options that meet your needs so you can make an informed choice.

    How Does a Million Dollar Life Insurance Policy Work?

    After you have determined the type of the policy you wish to buy, your next step is to fill out an application with the help of your life insurance agent. The agent will then submit the application to the company you have chosen. The insurance company will set up a medical appointment for you.

    Once the life insurance underwriter reviews the results of the medical exam, you will receive your policy contract and premium rates. The policy will go into effect once you sign the contract, return it to the life insurance company and make your first premium payment.

    What happens then? You may be aware of something called a “two year contestability period.” This is a time period during which the life insurance company may investigate any claims you may have made – regarding your current health status, for example – and decline your coverage if you falsified information. It begins the date that your policy goes into effect and lasts two years. It simply means that you must be truthful when you answer questions asked of you, or risk not having that policy pay out when you need it. After the two-year period, the life insurance company cannot rescind your policy unless you are not paying your premium.

    Again, your beneficiaries will still receive the death benefits of your policy during the contestability period. If you die a day, a week, a month or six years after the policy goes into effect, the benefits/cash value would be payable as a lump sum to the beneficiary named on the policy. So, even if you have only paid $100 on a $1 million policy, the entire benefit goes to your beneficiary.

    Get Help with Your Life Insurance Choices

    A million dollars might seem like a large policy. However, when you look at your overall financial picture, factor in how much money would no longer be available to support your family and the expenses you are leaving behind, a million dollar life insurance policy might make more sense.

    Before making a decision, be sure to compare life insurance options and quotes. The cost of life insurance can vary considerably from one insurance company to another, even for the same type of policy. An independent agent in the Trusted Choice network can help you by gathering quotes from multiple life insurance companies based on your specific needs.

    Contact a local member agent today to compare million dollar life insurance quotes and learn how to make sure your family is financially secure.



    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, nj auto insurance rates.

    #Nj #auto #insurance #rates



    Auto Insurance

    Get an auto insurance quote

    America’s finest agents, quote and buy online, great discounts, and award winning claims service.

    Why Farmers Auto Insurance is a Smart Choice

    At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

    That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

    Car insurance with Farmers means:

    Control over your policy

    You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

    Personalized attention

    Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

    Insight and guidance

    Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

    Convenience

    Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

    Smart savings

    Our long list of auto insurance discounts saves you money on smarter coverage.

    24/7 protection

    Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

    Customize your Auto Insurance policy with plenty of coverage options

    Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

    That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

    Consider additional coverage options* like:

    Accident Forgiveness

    You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

    No Fault, No Foul

    Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

    Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

    Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

    Farmers Rideshare

    Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

    Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

    You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

    *Not available in all states.

    **Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

    This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.



    Auto Insurance Guides by State, car insurance rates by model.

    #Car #insurance #rates #by #model



    State Auto Insurance Guides

    • Car insurance rates by model

    Alabama

    Sweet Home Alabama isn t so sweet when it comes to its insurance laws. Take a look at our comprehensive guide on The Heart of Dixie.

  • Car insurance rates by model

    Alaska

    It may be far away, but it s still very much under US regulation when it comes to insurance laws. If you re from The Last Frontier, you ll want to read our guide.

  • Car insurance rates by model

    Arizona

    Just like Arizona s famous red rocks, their car insurance comes with red tape. Read our comprehensive expert s guide to car insurance in The Grand Canyon state.

  • Car insurance rates by model

    Arkansas

    Its title as The Land of Opportunity also applies to the discounts available to The Wonder State. Check out our easy to read guide on The Natural State.

  • Car insurance rates by model

    California

    If you want to drive the Pacific Coast Highway, you better make sure your insured. Take a look at our guide to getting insured in The Golden State.

  • Car insurance rates by model

    Colorado

    One of the US more liberal states, unfortunately the insurance laws are not as relaxed. Read our guide to The Centennial State so you can get back to the slopes.

  • Car insurance rates by model

    Florida

    Florida is complicated for car insurance. Luckily, the experts at Compare.com have put together a guide on what you need to get insured in The Sunshine State.

  • Car insurance rates by model

    Georgia

    Its Summers are hot but your car insurance knowledge doesn t have to get you hot and bothered. Check out Compare.com s guide to The Peach State.

  • Car insurance rates by model

    Illinois

    Illinois may have tough winters, but your insurance doesn t need to be tough. Read our easy to digest guide on getting insured in The Prairie State.

  • Car insurance rates by model

    Indiana

    If you re driving around The Crossroads of America you ll need to abide by their car insurance laws. Read our guide to The The Hospitality State.

  • Car insurance rates by model

    Kentucky

    To Tort or not to Tort? MedPay or PIP? We answer that question and many more in our guide to The Bluegrass State s insurance laws.

  • Car insurance rates by model

    Maryland

    An all-in-one resource for Maryland drivers. Check out Compare.com s comprehensive guide on getting insured and driving around The Old Line State.

  • Car insurance rates by model

    Missouri

    Read our guide to The Show Me State and let Compare.com show you the laws, regulations and savings available Where the Rivers Run.

  • Car insurance rates by model

    Nevada

    There s more to Nevada than Las Vegas. There are also a bunch of insurance laws. Look at our guide to getting insured in The Silver State.

  • Car insurance rates by model

    New York

    Want to be a part of it? Read our guide to The Empire State s car insurance rules and regulations and start spreading the news. We know you re longing to stray.

  • Car insurance rates by model

    Our guide has tons of information on licenses, laws, and car insurance, so that you have all the you need to be properly insured in The Buckeye State.

  • Car insurance rates by model

    Pennsylvania

    You ve got a friend in in Compare.com s guide to Pennsylvania s insurance laws. Read our guide to getting insured in The State of Independence.

  • Car insurance rates by model

    South Carolina

    Not to be confused with its Northern cousin, The Palmetto State has its own rules and regulations. Learn more by reading our guide.

  • Car insurance rates by model

    Tennessee

    Read up on Tennessee s licensing requirements, laws and car insurance to ensure you meet all of The Volunteer State s laws.

  • Car insurance rates by model

    Texas

    Texans know: you Don t Mess with Texas; so don t mess with their insurance laws. Check out our Texas car insurance guide to stay legal in The Lone Star State.

  • Car insurance rates by model

    Read our easy to read guide on Utah car insurance and learn about everything you ll ever need to stay legal on the road in The Beehive State.

  • Car insurance rates by model

    Virginia

    Virginia may be for lovers, but it can be hard to love insurance. That s why we ve and compiled this easy to read guide about Old Dominion.

  • Car insurance rates by model

    Washington

    Not to be confused with the nation s capital, Washington has its own unique insurance laws. Read our comprehensive guide to The Evergreen State.



  • Whole Life Insurance: Whole Life Rates – Quotes: Farmers Insurance, cheapest life insurance rates.

    #Cheapest #life #insurance #rates



    Whole Life Insurance

    Whole life insurance is a type of permanent life insurance – that can insure you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.

    Whole Life Policies

    Whole life is one of the most common types of permanent life insurance offered by Farmers New World Life Insurance Company. Whole life insurance combines a level premium with guaranteed cash values which the policy owner may use to meet a variety of financial goals. 3 Whole life insurance policies may also produce excess credits, which may be used to purchase additional paid-up life insurance, potentially increasing the available death benefit. Best of all, whole life policies may offer generally income tax-free 4 access to cash value and death benefits. 5

    Farmers EssentialLife Simple Whole Life 6

    Farmers EssentialLifeВ® Simple Whole Life is a modernized whole life insurance policy combining the traditional guarantees of whole life with optional riders (available at additional charge), potential to earn excess credits, and a discount 7 for customers with other Farmers insurance policies.

    Farmers EssentialLifeВ® Simple Whole Life features guaranteed level premiums, guaranteed cash values and is payable to age 100. Unlike universal life or variable universal life insurance policies, the cash value, premium requirements, and death benefit of Farmers Simple Whole Life policy do not vary based on prevailing interest rates or market performance. It may be an ideal product for customers seeking maximum certainty with permanent, lifelong coverage.

    • Simplified underwriting
    • Discounts available for customers owning other Farmers policies

  • Fast underwriting decision, after completing the application with your local agent

    Farmers Graded Death Benefit Whole Life 8

    To help prepare for life’s unexpected expenses, the Farmers Graded Benefit Whole Life is a life insurance policy for those who want permanent insurance coverage with guaranteed cash values and guaranteed level premiums with a lower face amount. With a simplified underwriting process, the Farmers Graded Benefit policy could offer otherwise uninsurable individuals an opportunity to obtain permanent whole life coverage.

    • No medical exam, just answer three simple health questions to determine eligibility
    • Guaranteed cash value accumulation
    • Guaranteed death benefit. 9 Limited death benefit during the first two policy years.

    Farmers Premier Whole Life 10

    For level insurance coverage throughout the life of the insured, Farmers Premier Whole Life features guaranteed level premiums and guaranteed cash values.

    • A wide range of face amounts for most financial needs
    • Guaranteed cash value accumulation
    • Option to add several riders and benefits available at an additional charge

    Contact a Farmers agent to learn more about whole life insurance.

    2 Lifetime coverage is guaranteed provided premiums are paid per the terms of the contract.

    3 Policy loans and withdrawals will reduce cash surrender value and death benefit. Policy loans are subject to interest charges. If your policy is a modified endowment contract, loans and withdrawals may be subject to taxes and penalties

    4 Distributions from a life insurance policy in the character of partial surrenders (withdrawals) up to basis or policy loans will generally be income tax free, provided the policy does not violate Modified Endowment Contract (MEC) guidelines and the policy is not terminated during the lifetime of the insured. MEC guidelines are rules in the Internal Revenue Code which specify maximum premiums that can be paid without triggering adverse tax consequences for withdrawals. A policy termination during the life of the insured can cause the owner a single taxable event for any gains in the policy that were borrowed or withdrawn on or before the termination date.

    5 For informational purposes only. In general, partial withdrawals from a permanent life insurance policy in excess of the policy’s basis are taxable, and limited circumstances exist where death proceeds will be taxable. Neither Farmers New World Life Insurance Company, its employees nor its Agents provide legal or tax advice. Always consult your own attorney, accountant or tax adviser as to the legal, financial or tax consequences and advice on any particular transaction.

    6 Policy form 2008-352

    7 Customers qualifying for the Farmers Customer Discount may receive up to a 6% discount on the base premium rate per thousand. Contact your agent for more details.

    8 ICC11-2011-123 or applicable state variation. Farmers Graded Death Benefit Whole Life Insurance policy. Limited death benefit during the first two policy years.

    9 The death benefit is guaranteed according to the terms of the contract and provided that premiums are paid.

    10 Policy form 1995-112 or applicable state variation. (Farmers Premier Endowment at age 100 – IN and PA.)



  • Term Life Insurance – Whole Life – Best Quotes and Rates, best rates term life insurance.

    #Best #rates #term #life #insurance



    Accuquote

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    Car Loan Rates – Car Loan Rate Information – New – Used Car Loan Rates, auto loan rates.#Auto #loan #rates


    Rates

    Carloan.com is proud to provide the following car loan rate information from your local and regional lenders. Simply click “Get Pre-Qualified” when you’re ready to apply. Our application process takes just 60 seconds to complete. Once you’re approved, your dedicated loan advisor will give you available rates in your area.

    How to Get the Best Auto Loan Rates

    Your Credit Score

    It’s no secret that a good credit score means a lower interest rate, but if you don’t know what your score is, how will you know what rate is fair? If you find that your credit score isn’t as good as you hoped, and you have the time, you can always work to improve it before you buy a car. A little effort could pay big dividends in the form of dollars saved over the life of your loan.

    Your credit score is a three digit number that is calculated based on your credit history. While there are three national credit bureaus in the U.S., they all use the FICO score algorithm to produce their score numbers. The FICO credit score scale ranges from 300-850. The higher the number, the better off you are for securing a lower interest rate on your loan.

    It’s important to keep in mind that those with a deep subprime — or “very poor” — credit score (500 and below) can expect an APR anywhere from 14 percent to a 20 percent on a bad credit car loan.

    poor credit score is always going to translate to a larger monthly payment on any approved auto loan. Lenders charge a higher interest rate to those with a lower credit score in order to offset their high default rates.

    Increasing your credit score does not happen overnight, but there are steps to take to improve your credit before trying to secure a loan:

    • Pay your bills on time every single month.
    • Pay off credit cards with small balances.
    • Don’t let your larger credit card balances exceed 30% of their limit.
    • Leave old debt and good accounts on your record as long as possible. If you have previously paid off a car or home, don’t try to remove it from your credit report the minute it’s paid off.

    Shop the Loan Separately

    Walking into a dealership with a guaranteed auto loan in your hand gives you bargaining power and flexibility. It also helps you avoid the common sales tactic of mixing up the vehicle price with financing costs. On the other hand, going into the dealership without doing research on how you are going to finance your purchase is setting yourself up to overpay.

    Taking the automaker’s low- or zero-percent financing often means having to pass on a rebate, since your choice generally is one or the other, not both. But you often can get the best of both worlds by taking the rebate from the dealer and getting financing elsewhere, even if the interest rate is higher than the promotional one from the manufacturer.

    Make a Down Payment

    Having a down payment isn’t always a necessity, and sometimes circumstances make it impossible. That’s okay. However, putting some of your own cash towards the purchase of your car helps in a couple of ways.

    First, it lowers your monthly payments. Not only do you have less principle to pay back, your overall interest is lower because you’re financing a smaller loan. Second, putting some of your own money in the deal is a signal to lenders that you’re fiscally responsible.

    Lenders will see that you not only put money aside for the purchase, but you’re probably a good bet to pay back what you borrow. Lower risk for lenders usually means better loan rates for you.

    Use our car payment calculator to provide you with an estimate of what you may be able to afford. The results are based on factors such as local interest rates, your credit score, and monthly income. Then, apply with our easy and fast application.

    Choose a Trustworthy Loan Advisor

    Finding a loan advisor who will put your best interests first is a necessary step to getting good rates. Some people have good relationships with their financial institutions and feel comfortable using them. Others might be more interested in shopping around for the best rates. And still others, maybe folks with bad credit, might have fewer options.

    Limit Loan Shopping Timeframe

    The timing of your car loan application is an important consideration, because it determines how your credit score is calculated. If you make all of your loan applications within a two-week period, they will only count as one inquiry. Otherwise, every time you apply for a loan, regardless of if you use it, your credit score goes down and it gets slightly more difficult to get a better loan.

    You should have an idea of what kind of loan interest rates you are qualified for by the time you arrive at the dealer. We have more valuable tips and advice on getting the best deal on a car from a dealer. The more knowledgeable you are, the better equipped you’ll be to negotiate.

    Current Auto Loan Interest Rates, best auto loan rates.#Best #auto #loan #rates


    Current Auto Loan Interest Rates

    Estimate your monthly payment with a car loan calculator.

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    JMN Logistics, National Auto Shipping Quotes and Car Transport Services, auto shipping rates.#Auto #shipping #rates


    Auto Shipping and Vehicle Transportation

    2017 marks JMN Logistics and Transportation’s 18th year of being in the transportation business!

    Over the last 18 years, JMN Logistics and Transportation has grown into a national leader in the automotive transport industry. Providing quality transportation services for dealers, auto auctions, private individuals, new car manufacturers and rental agencies in the Saint Louis area and throughout the United States.

    Our growing fleet, combined with an owner operator and carrier network of over 3,000 vehicle transporters nationwide, puts JMN Logistics and Transportation in a position to maintain the highest level of customer satisfaction while still offering competitive rates. Rapidly growing drive away van services are beneficial to local shipping when a truck isn’t needed. Our loyal transportation drivers, matched with an experienced staff and cutting-edge technology, will continue to make us a leader within the transportation marketplace. JMN Logistics and Transportation has the truck and drive away service for any job no matter how big or small.


    News and Events

    Auto shipping rates Auto shipping rates

    2050 Creve Coeur Mill Road – Maryland Heights, MO 63043 – USA

    © 2017 – JMN Logistics, LLC. – All rights reserved

    Auto shipping rates Auto shipping rates Auto shipping rates Auto shipping rates

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    JC Whitney Auto Parts & Auto Accessories – Car, Truck, Jeep, Motorcycle, VW, RV & ATV – Aftermarket Parts & Accessories, auto shipping rates.#Auto #shipping #rates


    Shipping Policy

    *Offer is valid only on qualified items. Check the item’s product detail page for eligibility and available shipping options. However, ground shipping is free for most orders and no minimum purchase is required. Larger items may also be subject to the Truck Freight surcharge described below. In addition, while we are happy to offer products to customers located in Alaska, Hawaii, and other areas outside the continental United States, an added shipping charge will also apply to these locations.

    Most orders are shipped within 24 – 48 hours from confirmation of your order unless otherwise specified. Shipping times will vary depending on the size of the package and the delivery location. Small and medium sized packages generally are delivered within 3 – 5 business days (excluding weekends and holidays) from their date of shipment. Orders containing bumpers, doors, hoods, or other large parts may still qualify for free shipping, however, these items require special handling and are usually shipped via Truck Freight (see Truck Freight information below) where delivery times range may be longer. In addition, while we are happy to offer products to customers located in Alaska, Hawaii, and other areas outside the continental United States, delivery times will be longer. Please note that we disclaim all liability for orders which do not meet anticipated delivery dates.

    Truck freight applies to orders consisting of large parts or items that require special handling due to their shape, weight or packaging. Orders with these characteristics are shipped via Truck Freight. Orders usually are processed for shipment within 24 – 48 hours from confirmation of your order. Delivery may take up to 10-14 business days (excluding weekends and holidays), within the continental United States. Truck Freight to Alaska and Hawaii may take additional delivery time and require additional charges. In the event that your order is subject to additional charges, we will contact you via Email with a revised shipping quote.

    Overnight and 2-day shipping are available for most small and medium sized packages for additional charges. The specific shipping options will be displayed at checkout after you enter a shipping address. Airfreight carriers reserve the right to extend delivery time by 24 hours when delivering to residential addresses. This is beyond our control and airfreight charges will NOT be refunded. All orders must be received before 1:00 PM Eastern Time (10:00 AM Pacific Time) Mondays to Fridays. No Overnight or 2-Day deliveries on Saturdays, Sundays and Holidays. If you place your order for Overnight and 2-Day delivery on a weekend or a holiday, please be aware that the shipping cycle for these orders starts on the next available business day.

    All performance and accessory parts are shipped via Ground service only. Most orders are shipped within 24 – 48 hours from confirmation of your order. Shipping times will vary depending on the size of the package and the delivery location. Small and medium sized packages generally are delivered within 3 – 5 business days (excluding weekends and holidays) from their date of shipment. Orders containing brush guards, running boards and other large items may require special handling and are usually shipped via Truck Freight (see Truck Freight information above) where delivery times may be longer. While we are happy to offer products to customers located in Alaska, Hawaii, and other areas outside the continental United States, shipping charges will apply to these locations and delivery times will be longer. Overnight and 2-Day shipping are not available for performance and accessory part orders.

    Upon receiving your order, inspect all packages thoroughly for missing, damaged, or incorrect parts. Our warehouses put forth every effort to prevent shipping damage however, it does occur occasionally. If you receive a damaged part, do NOT accept the package, have the shipper immediately return to sender. If the shipper has left a damaged package in your absence, immediately contact the shipper and have the package returned to sender. We must be contacted immediately if any of the above occurs to prevent your being charged freight on both ways. We are not responsible for missing, damaged, or incorrect parts after 30 business days, regardless of the party at fault. We are also not responsible for lost or stolen packages and all claims for such must be processed through the shipping company.

    All items purchased from our website are made pursuant to our shipping terms, which are F.O.B. shipping point. This means that risk of loss and title of any item is passed to you at the shipping point, which is when the carrier accepts the goods for transport. We are not directly responsible for lost or stolen packages, but we will be happy to assist you in filing a claim with the shipping company. You must contact us immediately if the entire shipment was not received within two (2) full days after the carrier’s estimated delivery date. All requests must be made within twenty-one (21) days from the date of shipment for any possibility of claim.

    Shipping Methods

    Most standard delivery orders ship via FedEx SmartPost. This means that FedEx couriers the package(s) to your local post office. United States Post Service (USPS) then delivers your package(s). Therefore, you need to specify an address that can receive mail from the USPS if you are selecting Standard Shipping.

    Please allow 5-9 business days for delivery after your order has processed.

    • Orders are processed and shipped Monday through Friday, excluding holidays.
    • Custom Made items that are shipped directly from manufacturer. These items are made to order and shipped to you as soon as they’re made.
    • Shipping time varies by item and will be quoted on the product detail page.
    • Please allow up to 3 days for tracking information on non-custom made orders. For Custom Made Products, the tracking information will be sent as soon as the product is finished.

    Express Delivery Options

    Express Delivery Options

    You have the option of having your ordered part shipped overnight or 2-day shipping, with additional charges. This option is available for most small and medium-sized packages, excluding orders for performance parts.

    Viewing the Express Delivery rates for your order
    1. Add the items you wish to order to your shopping cart
    2. Proceed to checkout and enter your address
    3. Available Express shipping options with costs will display in the Shipping Method section.
    Express Delivery Timeframe

    Please note the Shipping Time (referred to on the site as “Ships“) for your item when choosing Express Delivery shipping.

    • When availing of any of these options, your order must be received before 1:00 PM Eastern Time (10:00 AM Pacific Time) Mondays to Fridays.
    • There is no overnight or 2-day delivery on Saturdays, Sundays, and holidays.
    • In case you place your order on the said days, the shipping cycle will start on the next available business day.
    • Airfreight carriers reserve the right to extend delivery time by 24 hours when delivering to residential addresses. This is beyond our control and airfreight charges will not be refunded.

    Truck Freight Items

    Truck Freight Items

    Due to weight or size, some items cannot be shipped via Standard Shipping and must be shipped via Truck Freight. A Truck Freight Charge will be added to your order total to cover the additional shipping and handling costs.

    Shipping outside of the Continental U.S.

    Shipping outside of the Continental U.S.

    For AK, HI, PR and the Virgin Islands shipments are processed and shipped via Bongo International.

    With Bongo, you can enjoy:

    • Secured checkout utilizing industry-leading encryption methods.
    • Highly discounted shipping rates.
    • Full landed cost (duties and taxes) billed upon checkout.
    • Consolidation of your packages to ensure the lowest shipping cost to your end destination.
    • Direct tracking all the way to your end destination.
    • 3-8 day transit worldwide.*

    International Orders

    International Orders

    Shipments outside of the United States are processed and shipped via Bongo International.

    With Bongo, you can enjoy:

    • Secured checkout utilizing industry-leading encryption methods.
    • Highly discounted shipping rates.
    • Full landed cost (duties and taxes) billed upon checkout.
    • Consolidation of your packages to ensure the lowest shipping cost to your end destination.
    • Direct tracking all the way to your end destination.
    • 3-8 day transit worldwide.*

    *Please note that the 3-8 day transit time estimate is from Bongo to your destination. It can take 2-9 business days for your package to reach Bongo. Additionally, Bongo International han an identity protection system in place that requires you to respond to a confirmation email before your order is pressed. To find shipping rates to your International location, please add the items you wish to order to your shopping cart and proceed to checkout. Select your country on the Billing Page and follow the prompts to view shipping rates to your destination.

    Auto Loans, Online Auto Rates – Financing, BBVA Compass, auto loans rates.#Auto #loans #rates


    Auto Loans

    At BBVA Compass, everything you need to save time and money on your next auto loan comes standard. Here are some benefits:

    Your interest rate will never change for the life of your loan, which means your payment amount or due date won’t change either.

    Choose a term you’re comfortable with, from 12 to 72 months.* Flexible terms let you think bigger when car shopping, or think about paying off your car faster.

    Unlike other auto loans, there are no unexpected fees for paying off your loan early. Just the expected feeling of satisfaction when receiving your title.

    You can make payments online, by mail, at your neighborhood branch, or have them automatically debited from your BBVA Compass account with auto-debit.

    Minimum loan amount is $5,000, with lower interest rates on loans of $15,000 or more.

    Get Rates for Auto Loans

    A lower rate can reduce your monthly payment and the total you pay for your car. Tell us your region to see our competitive rates for new and used vehicles.

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    Checking Accounts

    You’re like no one else. That’s why BBVA Compass provides different checking account options. No matter your financial situation or how you like to manage your money, we have an account that’s just right for you.

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    Get what you need from a credit card. Whether you’re rebuilding your credit or want to rack up rewards points, we’ve got the card you’ve been looking for. At BBVA Compass, we give you choices and options, so you can find the best card for you.

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    Make paying yourself a priority and watch your money grow. BBVA Compass offers you savings options that range from a simple savings account to a long-term nest egg for your retirement.

    Details you need to make a smart decision

    Loans subject to eligibility, collateral, underwriting and approval, including credit approval. *Payment Example: A 60-month fixed-rate loan for $20,000 with $0 down payment and an APR of 3.49% would have 60 monthly payments of $363.75 each.

    Save time and money when you have your monthly payments automatically debited from your BBVA Compass checking account. Don’t have a BBVA Compass checking account? See our checking account options and ask your banker about other relationship or program discounts available.

    *Advertised interest rate discount requires establishment of recurring monthly auto-debit of loan payments from your BBVA Compass checking account. All loans subject to approval, including credit approval. For qualifying customers, enrollment in auto-debit loan payments from a BBVA Compass checking account is required to receive a 0.50% interest rate discount off of standard interest rates offered by BBVA Compass for auto loans (enrollment in auto-debit is NOT mandatory or required for loan approval). The BBVA Compass checking account must be opened prior to the loan being finalized to be eligible for the auto-debit interest rate discount offer.

    The offered auto loan APR will vary between 3.49% and 12.49% APR based upon creditworthiness, loan amounts, term length, and other factors. Receive the Consumer Segment Interest Rate Discount of 0.25% off of the base interest rate for enrollment in Premier Personal Banking, Everyday Heroes, Workplace Solutions or Global Wealth.

    Auto Loan Refinancing from PenFed – Find, Compare, and Apply Today, auto refinance rates.#Auto #refinance #rates


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    Rates displayed are for all auto loans excluding residents of Puerto Rico. To receive the current auto loan rates for Puerto Rico, please contact us at 1-800-247-5626.

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    • Loan amounts up to $100,000
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    • Keep in mind: refinancing is not available for cars already financed with PenFed

    *APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.

    DISCLOSURES:

    Rates and offers current as of and are subject to change.

    *APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal.

    Refinance Auto Loans: New vehicles are where you are the original owner and the vehicle is a current ( ) and prior model year(s) ( or ). For used vehicles, maximum used car loan advance will be determined by PenFed using a NADA value. Up to 100% financing is available to qualified members. PenFed does not permit internal refinances of an existing PenFed auto loan.

    “Smart” Car Collateral Restrictions: Total financing is limited to 100% of the value and loan terms cannot exceed 60 months. Financing is not available with a Payment Saver Loan for “Smart” cars, Trucks (including hybrids), and SUVs (including hybrids).

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    You pay $14 less per month with PenFed

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    GAP Protection

    Typical car insurance covers damage and theft. But what if your loan is more than the value of your vehicle? PenFed’s GAP Insurance covers that difference.

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    Find interesting articles and more right here:

    Lease vs. Buy: How Should I Pay for My New Car?

    Auto refinance rates

    If you thought conversations about religion or politics could get contentious, try being a fly on the wall when two people are talking about whether to lease or purchase a car. You’ll see both sides at each other’s throats, each claiming to enjoy the lion’s share of advantages and disdaining the drawbacks of the other–and the funny thing is, they’re both right.

    Buying a car versus leasing is less a financial issue than a matter of lifestyle. A financial tally of both options would probably show you a fairly clear-cut choice, but you’d be overlooking the benefits and drawbacks associated with whether or not the car actually belongs to you.

    If you’re the kind of person who likes to drive off the lot in a new car every few years, leasing is the way to go. Not only will you ensure you’re always behind the wheel of a relatively shiny set of wheels, but since monthly lease payments are usually lower than loan payments, you’ll be getting more car for your dollar.

    On the other hand, if your goal is wringing maximum value out of your investment, buying is the way to go. Once you’re done paying, you simply keep on driving–no monthly payments in sight.

    Let’s look at the major advantages and drawbacks of both leasing and purchasing a car.

    How to Compare Florida Car Insurance Rates – Online Auto Insurance, compare auto insurance rates.#Compare #auto #insurance #rates


    Online Auto Insurance

    Compare auto insurance ratesFlorida residents are aware of the high-paced Floridian traffic. Staying insured is a must in this state and finding the right auto insurance company doesn t have to be a major task. These times of technology give consumers the ability to instantly compare companies and prices with the click of a mouse.

    Back in the old days, they used to walk through five miles of blizzard to go to school, and they relied on advice from friends to find an insurer, or worse yet, the Yellow Pages. Then they would travel to an agent s office, when it was convenient for the agent.

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    Questions on Comparing Car Insurance in Florida

    Compare auto insurance ratesEven though Florida is a no-fault state, the person who is responsible for an automobile accident is still responsible for covering the property damages, while medical expenses are covered by each driver’s own policy. To help ensure that drivers are prepared for.

    Compare auto insurance ratesTo enter the Sunshine State by car and legally drive within the state’s limits, the vehicle must be insured. Whether it will need to be covered by a Florida auto insurance policy depends on whether the car is registered in the state. Drivers who split their place of.

    Compare auto insurance ratesMany vehicle owners in the Sunshine State who are over the age of 55 are good drivers, but as people age there are certain abilities that begin to degrade, which can impair driving ability and increase the risk of being involved in an accident. Difficulty behind the wheel can.

    Florida Coverage News

    July 1, 2014 – This July 1, a car insurance bill in Louisiana changes the rules for uninsured drivers while another bill in Florida applies changes to coverage for drivers with DUI convictions. Also, an auto insurance-related bill about premium refunds kicks in for Kansas drivers

    June 17, 2014 – Florida drivers who buy coverage to get their driving privileges back after a DUI or lapse in coverage will soon face a longer period when their insurer can cancel the policy. Currently, Florida car insurers have only a 30-day “underwriting period” during which they can cancel such policies. But, starting July 1, .

    January 22, 2014 – Florida motorists could soon see average savings of more than 13 percent on their personal injury protection (PIP) rates as a result of recent reforms, according to insurance regulators. That would translate to a broader reduction of 3 to 4 percent on overall car insurance bills. The estimates come from a Wednesday report .

    Articles for FL Auto Insurance Quotes Comparisons

    October 16, 2012 – It’s a standard rule in the insurance industry that location plays a major part in the price you pay for coverage. But when it comes down to it, how much of a factor does it really play? OnlineAutoInsurance.com ran an analysis of nearly 1,700 car insurance quotes in Florida from 25 companies and broke them down by the state’s 67 counties.

    Jul 17, 2012 – Sometimes people need to get insured in a hurry. Maybe they need to register and start using a long-dormant extra car again, or maybe they just missed a payment and.

    May 31, 2012 – Significant changes to Florida’s no-fault auto insurance laws that deal with coverage provisions and criminal activity will start taking place in July 2012, although residents will not experience the.

    Auto Insurance Quotes Compare, compare auto insurance rates.#Compare #auto #insurance #rates


    Compare Auto Insurance Quotes

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

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    How To Get Affordable Car Insurance, best auto insurance rates.#Best #auto #insurance #rates


    How To Get Affordable Car Insurance

    Do Some Homework and Don’t Settle for the First Deal

    10/20/2011 – By Michelle V. Rafter, Contributor

    Best auto insurance rates

    Best auto insurance rates

    Best auto insurance rates

    If you lose your job, take a pay cut or encounter another kind of financial hardship, affordable auto insurance quickly turns from nice to necessity. While it’s easy enough to find companies offering cut-rate car insurance, is that the best way to go?

    Not really, according to consumer watchdogs and insurance experts. To find the lowest possible rates from an insurer that’ll be there when you need it, learn what type of coverage you must carry, research the reputations of insurance companies and take advantage of every possible discount for which you’re eligible, experts say. They also recommend checking out pay-as-you-drive policies that peg premiums to how many miles you put on your car each year. Finally, if you’re eligible, look into low-cost auto insurance programs that such states as California, Hawaii and New Jersey offer to people with very low incomes.

    When it comes to buying affordable car insurance, you’re your own best advocate. At the same time, it’s not always easy to take on that role, says J. Robert Hunter, a former Texas insurance commissioner and insurance director at the nonprofit Consumer Federation of America in Washington. Don’t settle for the first insurance company or agent you find, Hunter says. Shop around. “That’s how big buyers of insurance do it,” he says. “They put it out for competitive bids. That’s what you should do, too.”

    Here’s a step-by-step guide to finding the lowest rates without getting ripped off:

    1. Start with the car. What you pay for comprehensive and collision coverage depends on the year, make and model of the car you drive. Generally speaking, the newer, more expensive the vehicle, the higher the premium. Rates for comprehensive and collision coverage don’t vary much, so if you can’t afford to pay a lot for insurance and you’re in the market for a car, buy one that’s inexpensive.

    2. Know your limits. Most states have set minimums for liability insurance coverage, both for bodily injury and property damage. Look up coverage minimums here or on your state insurance commission’s Web site. The National Association of Insurance Commissioners lists insurance commissions in all 50 states and U.S. territories. If you’re taking out a loan to purchase a new or used car, the lender will likely require you to carry a certain level of comprehensive and collision coverage, according to the NAIC.

    3. Take the highest possible deductible. Want an easy way to lower your premium? Take a high deductible. By opting for an annual deductible of $1,000 instead of $250, you’ll pay less up front, but should you be responsible for an accident, you’ll foot more of the bill before insurance payments kick in.

    4. Check your credit score. Some states allow insurers to take your credit history into account when compiling what’s called an insurance credit score, which they use to calculate your premium. Bad credit because of overdue bills or a personal bankruptcy means you could end up paying more for auto coverage. To improve your insurance credit score, pay your bills on time, monitor your credit report and do anything you can to fix problems that could be lowering your score.

    5. Narrow the field. Use the process of elimination to come up with three or four reputable insurance companies or agents to approach for quotes. Start at your state insurance commission’s Web site, which usually lists several dozen of the area’s top insurers. Choose the half dozen or so companies with the lowest prices for coverage that’s closest to what you need. Next, check the reputations of insurers by going to the NAIC’s Consumer Information Source Web site to find the “complaint ratios” for each. Complaint ratios show the number of complaints that consumers filed against a company in a given year and then compare this to the company’s share of all premiums for a specific type of auto policy during that period. The national median is 1.0, and highly rated companies can score well below that.

    Here’s exactly how to see where your candidate companies stand. In the search box on the right side of the Consumer Information Source page, type in the name of the insurance company you want to research, your state and “Property/Casualty” for the statement type. From the results page, click on “Closed Complaints.” To see complaint ratios for the company’s auto insurance policies, choose “Closed Complaint Ratio Report” and “Private Passenger.”

    If a company’s ratio is substantially higher than the median, go back to your state insurance commission’s Web site to see if regulators have taken action against them. With that information, whittle your list down to the three or four insurers with the lowest complaints. Then contact them directly. Consumers who are really financially strapped to the extent of not having Web access at home for this research can ask a friend or relative with Internet access for help, or use free Internet service at a public library.

    6. Find an agent. If the insurance companies you’ve identified as possibilities sell directly to customers, you can plug information into a form on their Web sites, get a quote and have someone contact you. If the companies sell through an agent network, ask friends or family who they use, or go back to your state insurance commissioner’s Web site to look up agents in your area. Give anyone you contact specific details about the coverage you want and let them know you’re comparison shopping. “Say, ‘I’ve talked to this company and got a quote for $480. Can you beat it?'” says Hunter, with the Consumer Federation of America. “Then you’ve put them to the test.”

    7. Grab those discounts. Insurers offer a multitude of discounts, including lower rates for drivers with short commutes, retirees, students with good grades or vehicles with safety devices such as car alarms or motorized seatbelts. If you’re over 55, you could lower your premium by 10 percent by passing a defensive driving course, according to the Insurance Information Institute. When you’re talking to agents, don’t forget to inquire about the group discounts that some insurers offer to members of professional organizations or other groups. Companies including State Farm, Auto Club of Southern California and Progressive have begun offering pay-as-you drive discounts, with premiums tied to your annual mileage, with a cap at approximately 19,000 miles. In many of these programs, you report your mileage online or to your agent when your policy’s up for renewal.

    8. Consider opting out of some but not all coverage. If you drive an older car and own it outright, consider dropping comprehensive and collision coverage. If the vehicle is really old, you could be paying more in insurance than what it’s worth. But hold onto that liability insurance. It’s illegal in most states to drive without it, and insurers in some states charge significantly higher premiums if you let coverage lapse, even if you haven’t been driving.

    9. Investigate state-run low-cost insurance programs. If you live in California, Hawaii or New Jersey, and if your household income is close to or less than the poverty level, you may qualify for state-run low-cost or no-cost insurance programs. Policies under the California Low Cost Automobile Insurance Program, for example, cost less than $400 a year and cover about 12,000 low-income drivers at any given time, according to Doug Heller, executive director of Consumer Watchdog, an advocacy group in Santa Monica, California. He expects more people to sign up as a new state law takes effect that lets agents sell the program online for the first time. “That’s important not just for people who can get online from their homes, but for agencies that provide resources for low-income families,” Heller says. Lawmakers in Nevada and Michigan recently proposed or approved pilots for similar programs.

    10. Assess insurance needs and premium costs annually. Life isn’t static, and your auto insurance premiums shouldn’t be either. Review your policy once a year, especially if you’ve moved or switched to a job that has you driving more or less. A review is also a good time to check on whether you’re eligible for additional discounts.

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    • Is in the upper 20% of his/her class scholastically
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    The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

    The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

    The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

    In general, reviews are published if they are relevant to the experience and not defamatory.

    While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

    • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
    • In order to protect our customers privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
    • We do not publish reviews citing exact premium and settlement amounts.
    • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
    • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.

    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, auto insurance rates.#Auto #insurance #rates


    Auto Insurance

    Get an auto insurance quote

    America’s finest agents, quote and buy online, great discounts, and award winning claims service.

    Why Farmers Auto Insurance is a Smart Choice

    At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

    That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

    Car insurance with Farmers means:

    Control over your policy

    You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

    Personalized attention

    Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

    Insight and guidance

    Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

    Convenience

    Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

    Smart savings

    Our long list of auto insurance discounts saves you money on smarter coverage.

    24/7 protection

    Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

    Customize your Auto Insurance policy with plenty of coverage options

    Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

    That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

    Consider additional coverage options* like:

    Accident Forgiveness

    You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

    No Fault, No Foul

    Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

    Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

    Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

    Farmers Rideshare

    Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

    Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

    You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

    *Not available in all states.

    **Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

    This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

    Average Cost of Car Insurance (2017), Average Cost of Insurance, ValuePenguin, auto insurance rates.#Auto #insurance #rates


    Average Cost of Insurance: Car, Home, Renters, Health, and Pet (2017)

    ValuePenguin researched and crunched the numbers to get you the average cost of car insurance by state. Use our data to see what your states average premiums are to get a better idea of what you should be paying for insurance.

    To jump directly to the different types of insurance’s average cost, click on the contents links below

    Average Cost of Car Insurance

    The average annual cost of car insurance paid in the United States was $907.38 in 2014 according to a study commisioned by Quadrant Information Services. This figure will vary wildly state to state and does not always include all forms of coverage and may not be accurately reflect your coverage needs. Scroll through the table below to find the average cost of car insurance in your state or use the form to find a cheaper quote for auto insurance:

    Find the Cheapest Auto Insurance Quotes in Your Area

    Data from various states’ Departments of Insurance show that annual car insurance premiums are on the rise in the majority of states across the nation. The average cost of insurance for car owners of insuring their vehicles from accidents and other events has generally increased, with the exceptions of Arkansas, Georgia, North Carolina, and Virginia, who all saw their car insurance premiums drop between 1% and 5% in the last year. These quotes for automobile insurance in select states across the country should give you a ballpark estimate for average annual car insurance.

    Car Insurance Rates by Age

    Auto insurance quotes will vary significantly depending on the age of the driver or applicant. Young drivers are notoriously more dangerous behind the wheel and because of that, insurance companies charge higher rates on policies covering young drivers. The chart below will show you how drastically car insurance quotes fluctuate based on your age. Each dollar amount in the graph below represents the average annual cost at that age.

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    If you’re interested in reading more about how your age affects your car insurance rates check out our full analysis here.

    Car Insurance Rates by Gender

    Amongst those drivers that have had no violations or accidents within the past 3 years, auto insurance rates are fairly similar with the exception of young drivers. Our data, which looked at rates from 54 different insurance companies, showed that 19 year old male drivers paid an average of 12% more in car insurance premiums each year over their female counterparts. Why is this the case? While gender is not a direct ratings factor that insurance companies look at, the data behind the gender shows that men tend to drive more often, receive more speeding tickets, be involved in more accidents, and receive more DUI convictions than women!

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    Average Cost of Home Insurance

    The average cost of homeowners insurance throughout the United States is $978 per year. Take a look at our table below to get an idea of how much it costs in your state:

    Current Loan Rates, Fidelity Savings and Loan, current auto loan rates.#Current #auto #loan #rates


    Click on Menu

    Before you judge loan rates, Fidelity Savings would suggest that you consider the following question:

    Is comparing APRs the best way to decide which lender has the lowest rates and fees?

    The Federal Truth-in-Lending Act requires that all financial institutions disclose the Annual Percentage Rate (APR) when they advertise a rate. The APR is designed to present the actual cost of obtaining financing, by requiring that some of the closing fees charged at the loan settlement and closing be included, in addition to the interest rate, to determine the cost of financing over the full term of the loan.

    For Adjustable Rate Mortgages (ARMS), the APR can be complex. Since no one knows exactly what market conditions will be in the future, assumptions must be made regarding future rate adjustments

    You can use the APR as a guideline to shop for loans but you should not depend solely on the APR in choosing the loan program that is best for you. Also, the APR does not include all the closing costs. Look at total fees, possible rate adjustments in the future if you are comparing ARMS, and consider the length of time that you plan on having the mortgage financing for your home, etc.

    Don t forget that the APR is an effective interest rate not the actual interest rate. Your monthly payments will be based on the actual interest rate, the amount you borrow, and the term of your loan.

    Fidelity Savings accessible and experienced loan officers are glad to meet with you, without obligation, to help you evaluate alternative loan products and the financial impact on your monthly income. Fidelity Savings is recognized for its continued customer service both during and after the loan is granted. Fidelity Savings success in its community is seen through helping those with borrowing and deposit needs from today s generation, their parents and their grand-parents before them. Fidelity Savings is recognized for being a banking tradition since 1885. We can make a difference, Let us show you how!

    Rates are accurate as of 11/13/2017. All rates are subject to change and are stated as of the date listed above. If you would like current rate information after the rate effective date, please call Fidelity Savings’ experienced Loan Officers at 215-788-0448 for more information on Loan Products, or Contact Us to send your communication to us.

    Car Loans, Advice on Auto Loans and Financing, auto finance rates.#Auto #finance #rates


    Car Loans – Need to finance a car?

    Auto finance rates

    Buying a new car without busting the household budget is a real struggle. A good first step is to determine how much you can afford, both in terms of a monthly payment and the price of car you can afford.

    Car Loans Advice

    The average cost of financing a new or used car or truck has stayed low over the past year, making auto loans a bargain by any historical measure. And buyers with reasonably good credit can always take advantage of the discount loans automakers are offering on many models.

    October 13th 2017

    If you’re out to build real financial security, you’ve got to view leases as a clever financing plan that automakers often use to move high-end cars and trucks that ultimately claim a bigger, never-ending piece of your paycheck.

    Some of late autumn’s best auto financing deals are at Capital One Bank. You can borrow as much as $40,000 and finance up to 100% of the value of any new car or trick, which means you don’t need a down payment.

    The nation’s second-largest bank is charging as little as 2.34% APR for 60-month new car and truck loans and only 2.49% APR to finance used vehicles for that long.

    Apply for zero-interest loans for up to 60 months on the 2014 Optima midsize sedan or Forte compact and receive $1,000 cash back with the Optima or $500 cash back with the Forte.

    LighetStream, an online lender that’s a division of SunTrust Bank, has some of the best deals on new car financing we’ve seen this year. You’ll need very good credit to qualify, but those loans are available nationwide.

    You may think of car insurance when you think of State Farm, but the company also has an affiliated bank that offers vehicle loans.

    Free financing is back with a vengeance at Ford dealers this month. The automaker is offering 0% loans on the Ford F Series pickup — the best-selling vehicle in the country — and some of its most popular cars.

    Pretty much anyone can join Pentagon Federal Credit Union and take advantage of its very competitive car loans. Rates start as low as 0.49% for three-year loans to 1.99% for five-year financing.

    TD Bank checking and savings account customers can take advantage of a cheap new car loan, with rates as low as 3.79% on terms up to five years.

    Current Auto Loan Interest Rates, best auto loan rates.#Best #auto #loan #rates


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

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    How we make money

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

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    Auto Transport, Professional Car Shipping Service, Car Transport Quotes, auto shipping rates.#Auto #shipping #rates


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    Our Experience

    We will match any price quoted by a 4 or 5 star rated Company on Transport Reviews. The matched price will only be valid for up to 5 days. If a driver cannot be secured within the 5 days, the price will be raised to the original quote. If the order is cancelled, a $50 cancellation fee will be applied.

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    We Understand

    Ship Any Car understands that having someone transport your auto is no small matter – your car is not only an expensive possession, it’s also part of the family. Our 5 Star ShipAnyCar Approved Carriers take great care to ensure that your car is protected from start to finish. And unlike other carriers, once your car is on our transport, it doesn’t get off until it reaches its destination – there’s no loading and reloading at big consolidation centers. Minimized handling means a minimum risk of problems. Ship Any Car, LLC is proud to offer our customers with affordable and reliable car shipping services nationwide. Auto shipping rates

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    Our company is licensed (MC#613045), bonded and insured. Whether you need to move a luxury sedan, a SUV, a classic car or a pickup truck. we can handle all of your car transport needs. In addition to car shipping , we also provide vehicle transport services for motorcycles, heavy equipment, boats and RV’s. We are your reliable car transport company!

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    Ship Any Car delivered a Toyota Camry for Crystal Brennan and on 10/22/2012 customer wrote:

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    Place your order with ShipAnyCar. Our guaranteed service is safe and easy way for you to get your automobile to your new location or a client.

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    Ship Any Car, LLC is proud to offer our customers with affordable and reliable car shipping services nationwide.

    JC Whitney Auto Parts & Auto Accessories – Car, Truck, Jeep, Motorcycle, VW, RV & ATV – Aftermarket Parts & Accessories, auto shipping rates.#Auto #shipping #rates


    Shipping Policy

    *Offer is valid only on qualified items. Check the item’s product detail page for eligibility and available shipping options. However, ground shipping is free for most orders and no minimum purchase is required. Larger items may also be subject to the Truck Freight surcharge described below. In addition, while we are happy to offer products to customers located in Alaska, Hawaii, and other areas outside the continental United States, an added shipping charge will also apply to these locations.

    Most orders are shipped within 24 – 48 hours from confirmation of your order unless otherwise specified. Shipping times will vary depending on the size of the package and the delivery location. Small and medium sized packages generally are delivered within 3 – 5 business days (excluding weekends and holidays) from their date of shipment. Orders containing bumpers, doors, hoods, or other large parts may still qualify for free shipping, however, these items require special handling and are usually shipped via Truck Freight (see Truck Freight information below) where delivery times range may be longer. In addition, while we are happy to offer products to customers located in Alaska, Hawaii, and other areas outside the continental United States, delivery times will be longer. Please note that we disclaim all liability for orders which do not meet anticipated delivery dates.

    Truck freight applies to orders consisting of large parts or items that require special handling due to their shape, weight or packaging. Orders with these characteristics are shipped via Truck Freight. Orders usually are processed for shipment within 24 – 48 hours from confirmation of your order. Delivery may take up to 10-14 business days (excluding weekends and holidays), within the continental United States. Truck Freight to Alaska and Hawaii may take additional delivery time and require additional charges. In the event that your order is subject to additional charges, we will contact you via Email with a revised shipping quote.

    Overnight and 2-day shipping are available for most small and medium sized packages for additional charges. The specific shipping options will be displayed at checkout after you enter a shipping address. Airfreight carriers reserve the right to extend delivery time by 24 hours when delivering to residential addresses. This is beyond our control and airfreight charges will NOT be refunded. All orders must be received before 1:00 PM Eastern Time (10:00 AM Pacific Time) Mondays to Fridays. No Overnight or 2-Day deliveries on Saturdays, Sundays and Holidays. If you place your order for Overnight and 2-Day delivery on a weekend or a holiday, please be aware that the shipping cycle for these orders starts on the next available business day.

    All performance and accessory parts are shipped via Ground service only. Most orders are shipped within 24 – 48 hours from confirmation of your order. Shipping times will vary depending on the size of the package and the delivery location. Small and medium sized packages generally are delivered within 3 – 5 business days (excluding weekends and holidays) from their date of shipment. Orders containing brush guards, running boards and other large items may require special handling and are usually shipped via Truck Freight (see Truck Freight information above) where delivery times may be longer. While we are happy to offer products to customers located in Alaska, Hawaii, and other areas outside the continental United States, shipping charges will apply to these locations and delivery times will be longer. Overnight and 2-Day shipping are not available for performance and accessory part orders.

    Upon receiving your order, inspect all packages thoroughly for missing, damaged, or incorrect parts. Our warehouses put forth every effort to prevent shipping damage however, it does occur occasionally. If you receive a damaged part, do NOT accept the package, have the shipper immediately return to sender. If the shipper has left a damaged package in your absence, immediately contact the shipper and have the package returned to sender. We must be contacted immediately if any of the above occurs to prevent your being charged freight on both ways. We are not responsible for missing, damaged, or incorrect parts after 30 business days, regardless of the party at fault. We are also not responsible for lost or stolen packages and all claims for such must be processed through the shipping company.

    All items purchased from our website are made pursuant to our shipping terms, which are F.O.B. shipping point. This means that risk of loss and title of any item is passed to you at the shipping point, which is when the carrier accepts the goods for transport. We are not directly responsible for lost or stolen packages, but we will be happy to assist you in filing a claim with the shipping company. You must contact us immediately if the entire shipment was not received within two (2) full days after the carrier’s estimated delivery date. All requests must be made within twenty-one (21) days from the date of shipment for any possibility of claim.

    Shipping Methods

    Most standard delivery orders ship via FedEx SmartPost. This means that FedEx couriers the package(s) to your local post office. United States Post Service (USPS) then delivers your package(s). Therefore, you need to specify an address that can receive mail from the USPS if you are selecting Standard Shipping.

    Please allow 5-9 business days for delivery after your order has processed.

    • Orders are processed and shipped Monday through Friday, excluding holidays.
    • Custom Made items that are shipped directly from manufacturer. These items are made to order and shipped to you as soon as they’re made.
    • Shipping time varies by item and will be quoted on the product detail page.
    • Please allow up to 3 days for tracking information on non-custom made orders. For Custom Made Products, the tracking information will be sent as soon as the product is finished.

    Express Delivery Options

    Express Delivery Options

    You have the option of having your ordered part shipped overnight or 2-day shipping, with additional charges. This option is available for most small and medium-sized packages, excluding orders for performance parts.

    Viewing the Express Delivery rates for your order
    1. Add the items you wish to order to your shopping cart
    2. Proceed to checkout and enter your address
    3. Available Express shipping options with costs will display in the Shipping Method section.
    Express Delivery Timeframe

    Please note the Shipping Time (referred to on the site as “Ships“) for your item when choosing Express Delivery shipping.

    • When availing of any of these options, your order must be received before 1:00 PM Eastern Time (10:00 AM Pacific Time) Mondays to Fridays.
    • There is no overnight or 2-day delivery on Saturdays, Sundays, and holidays.
    • In case you place your order on the said days, the shipping cycle will start on the next available business day.
    • Airfreight carriers reserve the right to extend delivery time by 24 hours when delivering to residential addresses. This is beyond our control and airfreight charges will not be refunded.

    Truck Freight Items

    Truck Freight Items

    Due to weight or size, some items cannot be shipped via Standard Shipping and must be shipped via Truck Freight. A Truck Freight Charge will be added to your order total to cover the additional shipping and handling costs.

    Shipping outside of the Continental U.S.

    Shipping outside of the Continental U.S.

    For AK, HI, PR and the Virgin Islands shipments are processed and shipped via Bongo International.

    With Bongo, you can enjoy:

    • Secured checkout utilizing industry-leading encryption methods.
    • Highly discounted shipping rates.
    • Full landed cost (duties and taxes) billed upon checkout.
    • Consolidation of your packages to ensure the lowest shipping cost to your end destination.
    • Direct tracking all the way to your end destination.
    • 3-8 day transit worldwide.*

    International Orders

    International Orders

    Shipments outside of the United States are processed and shipped via Bongo International.

    With Bongo, you can enjoy:

    • Secured checkout utilizing industry-leading encryption methods.
    • Highly discounted shipping rates.
    • Full landed cost (duties and taxes) billed upon checkout.
    • Consolidation of your packages to ensure the lowest shipping cost to your end destination.
    • Direct tracking all the way to your end destination.
    • 3-8 day transit worldwide.*

    *Please note that the 3-8 day transit time estimate is from Bongo to your destination. It can take 2-9 business days for your package to reach Bongo. Additionally, Bongo International han an identity protection system in place that requires you to respond to a confirmation email before your order is pressed. To find shipping rates to your International location, please add the items you wish to order to your shopping cart and proceed to checkout. Select your country on the Billing Page and follow the prompts to view shipping rates to your destination.