TodayInsurance.net

Using the Internet to find cheap car insurance is a great idea. Not only can drivers in Oklahoma browse the websites of various car insurance companies, they can also ask for quotes online. This approach is much easier than having to call each individual company and speak to an agent to get an idea about the price you ll be required to pay for coverage.

When you first decide to do your car insurance shopping online pick a few companies that have a good reputation. In Oklahoma, residents can find out which car insurance agents and companies are licensed to do business in the state by contacting the Oklahoma Insurance Department for verification.

Once you ve got a few potential insurance companies on your list you can start visiting their respective websites to get quotes. The online quote process is really easy and all that is required of the consumer is a few minutes of their time to fill in a form. Although you may be a bit hesitant about supplying your name, phone number and information ab (more...)

A woman naturally gets excited when she finds out that she is pregnant. In many cases, this happiness is soon diminished when the financial burden of having a child is realized. Thirteen percent of American women who become pregnant have no maternity insurance coverage. They face the risk of inadequate pre-natal care and must find their own resources for funding the cost. If the pregnancy is complicated, this adds to the burden.

Even those with insurance may find to their dismay that maternity is not covered. A costly add-on premium may be required. Some insurers do not offer maternity coverage or consider it a pre-existing health condition. This is illegal by Federal law, and there are several loopholes.

There are many group insurance plans that do provide maternity coverage as a service to members. There may be a waiting period of three months to one year before the clause becomes effective. What happens if one becomes pregnant during the waiting period? If you are carrying COBRA (extended (more...)

COBRA (The Consolidated Omnibus Budget Reconciliation Act, 1985) is a federal law designed to ensure that people can continue to receive health insurance coverage for up to 18 months following the termination of their employment.

The vast majority of companies which provide group health insurance cover for their employees are subject to the provisions of COBRA which, in certain circumstances, can cover former employees beyond the normal period and for up to 36 months.

In general terms COBRA will protect individuals from losing their health insurance benefits along with their employment but it should be understood that it is designed purely as a temporary measure to help people through what might otherwise be a difficult period. That said, the act does not provide cover in all circumstances and some employees will find that they do not qualify for cover when their employment ceases. People in an employer s scheme should therefore check with their employer, who should be conversant with the l (more...)

Everyone wants affordable car insurance but nobody wants to pay the price. That may not have made much sense to you but the insurance buyer has to be better informed. There has to be some time spent on educating yourself enough to make intelligent decisions about your next insurance purchase. Too many folks avoid all responsibility when it comes to buying car insurance. You do not need an insurance course to understand the fundamentals involved in rating car insurance. Look at the declarations page on you car insurance and you will find all that you need to know.

The Declarations Page

1. Policy Period - This is the specific time period that the policy is effective. Some car insurance policies have an annual renewal and others have a six month renewal. Do not shop for car insurance with a declarations page that shows that your policy period has expired. That could cause you to be placed into a sub-standard carrier. Shop at least one month before your insurance is ready to expire.

2. Ve (more...)

It is interesting to note trends in car insurance since the beginning of large scale direct marketing of auto insurance through media and internet promotion. A review of premiums in Pennsylvania from 2000 to 2004 (the most recent year of statistics) is illustrative of trends seen nationwide.

In the year 2000, average car insurance premiums in Pennsylvania were $698.56 . This reflects the average premium paid by drivers in Pennsylvania for annual car insurance. This resulted in17 states having higher annual premiums than Pennsylvania in 2000. In the year 2001, this amount changed to $698.56. More recently, premiums in 2003 averaged $812.67. As you can see, there is a marked, change in premiums during that time. However, when you consider the 2004 rates, the trend starts to flatten. For 2004, rates in Pennsylvania averaged $842.66 in Pennsylvania. This reflects a 3.70 percent change from 2003. In 2004, higher premiums were found in 17 states. In 2003, 20 states had higher rates than Pennsylvania.

LeadZILLA, a direct mail annuity lead program, won the Readers Choice Award in a survey of independent annuity producers polled by Senior Market Advisor Magazine. But after thoroughly testing the system myself, do I see LeadZILLA as king of the jungle or a big bag of gas? I have invested thousands of my own dollars into LeadZILLA to generate leads for my own general agents to use, and I ve learned a few lessons along the way.

The numbers speak for themselves. My first mail drop was on September 23, 2005 and, as of this writing, I have used LeadZILLA continuously for the past fourteen months. I have mailed out 44,800 pieces in 224 drops and received 1,295 direct response cards back in the mail. This is a response rate of 2.89% and an average of 5.77 lead cards for each 200 piece drop.

The lead system s proprietor boasts an average of 6 lead cards returned for every 200-piece drop. My average of 5.77 cards is close enough that I m not going to snivel over the .23% difference. As we in the i (more...)