2013년 10월 29일 화요일

Chantelle Dalby's blog ::...Kopechne was murdered at Chappaquiddick because of a hit-run accident to my car on Sept. 16, 1968, at 10:45 pm -- Franklin and Lombard, San Francisco. Mayor Alioto ...






Chantelle Dalby's blog ::...Kopechne was murdered at Chappaquiddick because of a hit-run accident to my car on Sept. 16, 1968, at 10:45 pm -- Franklin and Lombard, San Francisco. Mayor Alioto ...










Many               senior               citizens               have               been               loyal               to               their               auto               insurance               companies               for               years,               often               decades.

Having               the               same               reliable               insurance               agent               and               company               is               comforting.

But               the               auto               insurance               industry               has               become               more               competitive,               actively               vying               for               the               senior               citizen               market.

It               makes               sense               for               senior               citizens               to               gather               information               to               compare               their               current               rates,               especially               at               the               time               of               auto               insurance               renewal.

Getting               quotes               for               auto               insurance               is               an               easy               process.

With               just               a               few               clicks               on               the               computer               or               toll-free               telephone               calls,               anyone               can               gather               a               list               that               compares               auto               insurance               by               services               and               rates.

For               senior               citizens,               who               often               are               on               fixed               incomes,               this               can               be               a               very               cost-effective               exercise,               possibly               saving               them               hundreds               of               dollars               during               an               insured               period.
               Finding               Comparable               Rates
               Buying               auto               insurance               is               like               any               other               important,               long-term               purchase.

The               key               is               to               take               time               to               research               and               shop               for               the               best               deal               with               reliable               auto               insurance               companies.
               The               following               is               a               sample               of               insurance               companies               and               insurance               brokers               offering               auto               insurance               quotes               on               the               Internet.

Many               have               specific               marketing               programs               targeting               senior               citizens.
               AARP:               www.aarp.thehartford.com.


               AARP               is               an               advocacy               organization               for               seniors               that               promotes               the               interests               of               people               over               50               years               old.

They               offer               auto               insurance               to               members               through               The               Hartford.
               Allstate:               www.allstate.com.


               Allstate               is               a               well               known               insurance               company.

Quotes               can               be               gathered               at               the               above               website               or               local               agents               can               be               found               in               the               telephone               book               and               are               available               to               assist               in               preparing               a               free               quote.
               Farmers               Insurance               Group:               http://www.farmersinsurance.com.


               Online               or               in               person,               a               Farmers               insurance               agent               can               review               auto               insurance               coverage,               help               identify               potential               gaps,               and               include               any               qualifying               Farmers               Auto               insurance               discounts.
               Progressive               Insurance:               www.progressive.com.


               Progressive               will               provide               a               quote               for               their               company               along               with               comparables               of               other               auto               insurance               companies               for               easy               comparisons.
               Geico               Insurance:               www.geico.com.


               This               company               can               be               accessed               online               or               at               one               of               their               many               offices.

It               is               easy               to               get               a               quote;               they               offer               flexible               payment               options               and               competitive               rates.
               Costco:               www.costco.com.


               Costco               offers               membership               insurance               through               Ameriprise               Auto               &               Home               Insurance.
               Autoinsure:               www.autoinsure.org.


               Autoinsure               has               a               page               with               helpful               insurance               information               for               senior               citizens.

They               can               provide               quotes               from               all               the               major               auto               insurance               companies.
               Esurance:               www.esurance.com.


               A               rising               star               among               insurance               companies               that               take               pride               in               stating:               "Esurance               doesn't               just               offer               reliable               insurance               coverage,               we               also               believe               in               educating               consumers."               Their               online               quote               process               is               easy               to               navigate.
               US               Insurance:               www.usinsuranceonline.com               
               They               will               provide               multiple               auto               insurance               quotes               tailored               to               specific               needs               within               minutes               of               filling               out               their               simple               short               form.

It's               easy               then               to               compare               them               side               by               side               to               find               the               best               prices               and               coverage.
               Car               Insurance               Rates:               www.carinsurancerates.com               
               Their               network               of               companies               and               brokers               offer               a               variety               of               car               insurances:               Farmers,               Allstate,               AIG,               Nationwide,               AARP,               Safeco               Insurance,               Liberty               Mutual,               MetLife               and               Mercury.
               Every               insurance               rate:               www.everyinsurancerate.com               
               EveryInsuranceCompany.com               is               a               handy               Internet               directory               to               find               local               insurance               companies,               insurance               quotes               and               discount               insurance               rates.
               Quote               Scout:               www.quotescout.com.


               This               website               will               provide               quotes               from               a               long               list               of               auto               insurance               companies               -               literally               from               "A"               to               "Z".
               Insurance.com:               http://www.insurance.com.


               Insurance.com               works               directly               with               15               highly               rated               car               insurance               companies               in               46               states:               21st               Century,               Electric               Insurance,               Esurance               Auto               Insurance,               The               Hartford,               Infinity,               Liberty               Mutual,               Meritplan               Insurance,               MetLife               Auto               Insurance,               Newport               Insurance,               Permanent               General               Assurance               Corporation               (The               General),               Progressive,               QBE               Insurance,               Safeco,               Travelers               Insurance,               and               Unitrin               Direct.
               Keeping               Auto               Insurance               Rates               Down
               There               are               ways               that               senior               citizens               can               take               responsibility               to               control               their               auto               insurance               rates.

Here               are               a               few               suggestions.
               According               to               seniorjournal.com,               most               of               the               major               auto               insurance               agencies               provide               a               5%               -               10%               discount               to               drivers               beginning               at               the               ages               of               50               or               55.

However,               as               a               group,               drivers               75               and               older               have               one               of               the               highest               rates               of               fatal               daytime               accidents.

Because               of               this,               it's               important               that               senior               drivers               stay               proactive               and               involved               in               keeping               their               driving               skills               sharp.
               Many               states               offer               an               auto               insurance               discount               for               mature               drivers               if               a               person               meets               a               given               age               criteria               and               has               taken               an               approved               mature               driver               safety               course.

Local               colleges               and               senior               centers               are               good               resources               to               learn               about               the               classes.

AARP               has               local               and               on-line               access               to               the               course.

Costco               offers               its               members               an               online               drivers'               safety               training               course               through               FirstNet:               www.firstnetlearning.com.
               Another               way               to               keep               auto               insurance               rates               down               is               to               drive               a               low-profile               car,               one               that               as               part               of               a               group               has               a               lower               rate               due               to               minimum               repair               costs,               considered               safer               and               less               likely               to               be               stolen.

Check               the               Highway               Loss               Data               Institute,               www.iihs.org,               for               the               latest               related               data.
               Examine               current               auto               insurance               needs               and               requirements.

Changing               to               higher               deductibles               or               dropping               collision               or               comprehensive               coverage               for               older               cars               may               make               sense.
               Always               ask               about               discounts               when               purchasing               or               renewing               auto               insurance.
               And               finally,               the               best               long-term               advice:               Always               drive               defensively,               stay               alert               and               follow               the               driving               laws.

Maintaining               a               safe               driving               record               is               the               best               way               to               keep               auto               insurance               rates               down.




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