Consider your home – how would it look without your presence? Rather empty? The loss of one person can make such a difference. Now consider the family finances and how they would look without you. Rather empty? The loss of one source of income can make such a difference.

Now consider your family’s position immediately after your death. Would they know what to do? Life goes on and bills have to be paid, but would they know how to get the essential funds? Even if your spouse had always dealt with the household financial matters, this would be difficult to deal with without knowledgeable support and assistance. But suppose that you had been wise and had obtained adequate insurance to cover just such circumstances. The grief would be no less, but at least a quick call to the insurance company would get things moving. Then, by the time that the period of mourning was over and reality started to demand attention, an expert would have looked at your family’s affairs and would have at least initial answers ready.

In the real world there are many types of problems, from the minor to the disaster, and there are consequently a host of variations on standard insurance policies to cover most eventualities. You only need to concern yourself with a few of these varieties for straight forward life cover, and ‘term’ policies will meet most of the less complicated situations.

The name ‘term insurance’ indicates that the insurance is set up for a specified period or term, at the end of which all cover ceases and there is not normally a surrender value. Payment is usually provided on the death of the policy holder in the form of a lump sum. However, there are a number of different types of term insurance from which to take your pick. They have been ‘designed’ to suit different needs but this need not cause concern’ as the purpose of each type is clear enough for a decision to be reached without difficulty.

A level term policy pays an amount which is specified at the outset, and this value does not change. These are frequently used to cover the capital sum of an interest only mortgage, which stays constant whilst only the interest is paid off.

An increasing term policy takes account of inflation during its term, but it is inevitable that higher premiums will be required, to cover the extra cost.

A decreasing term (also known as a mortgage protection) policy is used to cover a repayment mortgage, and once a year the value is reduced to the expected balance remaining on the mortgage. This has the effect of reducing the premiums because the longer it lasts the lower the payout, down to zero at the end.

Away from the likes of mortgage protection where any payout is in the form of a lump sum, which solves any problem about keeping a roof over your family’s heads, the day to day costs of living can also present something of a problem. An inflow of smaller sums on a regular basis will be needed to keep food on the table etc., and this type of cover can be obtained with a family income benefit policy. This is still a term policy in that it has a final date beyond which it ceases to operate, but any payout is in a very different form. You death would trigger annual tax free payments through to the end of the term, and because the period for such payments is constantly decreasing to a finite end, the premium costs necessary can be held to a minimum.

Away from term insurance, but extremely worthwhile is the well known whole of life cover. This is perhaps one of the simplest forms of cover which runs to the point of the death of the insured; it then pays out the guaranteed amount which will be augmented by a bonus or bonuses if the ‘with profits’ version was purchased. The value of any bonuses depends on the performance of the investment during the period that it was current.

If both you and your spouse are earning and putting a significant contribution into the ‘housekeeping’ pot, you should consider obtaining cover for you both. This could be in the form of a joint policy which will pay out only on the first death, thus holding the cost down. Cover as individuals will be more expensive because there will be two payouts, triggered by each death.

So get the peace of mind that only good insurance cover can provide, and visit the internet for a good broker who will guide you to your new term insurance.

When considering dental insurance one of the most popular plans nowadays, especially for people with a history of dental problems who may need regular treatment, is the capitation plan.

If you decide that this is what you want to do, your dentist will calculate the monthly premium that you will pay based on an oral health check and costs of running the surgery. Also, there will usually be an initial examination fee included in a comprehensive scheme and because you pay directly to the dentist prices may differ from dentist to dentist as there are no standard fees. The monthly payment is the same each month and will cover you for any treatment that you may require regardless of the cost.

There are two types of capitation plan; one is a maintenance plan and covers basic accidental or emergency treatment and standard maintenance, and the other is comprehensive which will cover more complicated procedures such as extractions or fillings.

There are mixed reports on these plans – those who are in favour say that the dentist is able to spend more time with their patients, and those who are not enamored are of the opinion that patients are almost strong-armed into these schemes so that dentists can optimise the earning potential of their private dental surgeries.

As we said earlier, capitation plans are most suitable for those who know that they will need a fair amount of dental care and it enables them to spread the cost of paying for it rather than having to pay rather large bills whenever any work is done.

Below we explain in more detail the different types of cover and the difference in their price structures and there is often mandatory insurance included for hospital benefits and oral cancer and dental accident or emergency.

Maintenance Plan – With a maintenance plan it is fairly standard to be covered for two examinations and two oral hygiene checks which includes X-rays each year.

The cost of this per month is around ten to fifteen pounds – you are not required to have an initial examination and you get discounts on any other procedures that you may need and may also include an initial registration fee.

Comprehensive Plan – A comprehensive plan generally offers unlimited treatment and includes examinations, hygiene checks, root canal and extraction, crowns, fillings bridges and X-rays.

Your monthly premium is calculated on your oral health and is usually between ten and fourteen pounds. If you have fairly good oral hygiene you could pay below twenty pounds per month. An initial registration fee may or may not be included depending on individual practices.

It would be prudent to have some kind of dental cover even for peace of mind with the ever decreasing numbers of NHS dentists. If you have got problem teeth then it would be fair to say that it is essential cover to have and can work out to be cost effective.

If you want to find a plan that is suitable for you the best action is to find an online broker who can search the whole market for you and find you the best deals so that you can compare them, and the cover that they give, so you can find a policy that is suitable for you.

The skyrocketing cost of medical services of every kind has meant that Chicago business owners seeking to offer group health insurance benfits to their employees must proceed with caution when choosing an appropriate policy.  It is always advisable to confer with professionals within the Chicago health insurance field in order to ascertain the best possible analysis and projection for your business and its workforce.  Finding a reliable, forhtcoming insurance broker you can trust to competently handle details and transactions may take some time and effort, but it is vital to successfully managing group health insurance plans.

Still, however much you may trust your broker, you’re still going to want to collect a number of bids from different competitors.  Really, it’s just a logical necessity to ensure that you’re going to arrive at the overall most sensible solution for your team, and any worthwhile agent experienced in group Chicago business insurance IL policies should understand – if not quite encourage, for obvious reasons – your desire to shop around for comparison pricings.  There’s a fairly standard format known as the Request For Proposal which your initial broker will guide you through.  There’s also countless internet sites with step by step instructions that could serve just as well, in a pinch, but the labyrinthine parameters of group health insurance really are best navigated by an experienced guide.

Honestly, even though we may view the choice of group health insurance as a form of shopping, it’s a mistake to view the process as finding the best deal.  All of the major insurance carriers licensed in the state to offer group health insurance IL policies feature essentially the same pricing when comparing apples to apples.  Trust your authors, the insurance companies know more than you, and, if any deal seems too good to be true, it almost certainly is.  What you should be looking for with group health insurance programs would be more the correct match appropriate in costs and coverage.  This won’t be immediately obvious, and you should definitely not jump upon the first group health insurance IL solution that merely seems like the answer to your prayers.  In fact, however attractive any one policy may seem, take it as an absolute rule that you’ll meet with no less than three different brokers to hear their own ideas about what they believe would be most perfectly tailored to your own business’ circumstances.

Also, though responsive customer service and a sense of trust would be grand assets for the continuing relationship with any health insurance provider, you should never allow yourself to let a developing personal rapport with an agent – a man or woman who, in the end of the day, makes his or her living as much by practiced charm as a thorough understanding of the group health insurance industry – blind you to the underlying problems hidden within most every policy.  In a way, the selection of group health insurance policies should be viewed as choosing the lesser of any number of evils.

The informative role of an open line of communication should not be limited to client-broker relations.  Sooner or later, every small business owner has to come to terms with the sad realization that, despite their very best intentions, the fated balancing act between higher deductibles, diminished coverage, increased premium costs trickling down to the employees’ paychecks, or the restrictions of physicians and medical facilities represented by Health Maintenance Organizations will lead to simmering bitterness among a certain percentage of the work force who believes quite reasonably that their own family’s requirements have been ignored.  To a certain extent, open and transparent conversations with the employees could ameliorate the worst tensions bound to arise amidst the workplace and – while we understand that management ever feels a degree of lingering doubt when laying out even the vaguest illustration of their company’s true financial state of affairs – there’s nothing like a free exchange of ideas between all members of a corporation to further the goal of mutual respect.

Product Description
This digital document is an article from National Underwriter Life & Health, published by The National Underwriter Company on August 23, 2004. The length of the article is 805 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: One Card System: “why do 4 out of the top 5 life insurance companies rely on the original One Card System to grow top flight agencies and agents?”.
Author: Bill Wienhoff
Publication: National Underwriter Life & Health (Magazine/Journal)
Date: August 23, 2004
Publisher: The National Underwriter Company
Volume: 108 Issue: 32 Page: 38(1)

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One Card System: “why do 4 out of the top 5 life insurance companies rely on the original One Card System to grow top flight agencies and agents?”.: An article from: National Underwriter Life & Health

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on April 27, 1998. The length of the article is 626 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Dental plans fund accreditation project.(National Assn. of Dental Plans Foundation plan to set dental-plan standards)
Author: Allison Bell
Publication: National Underwriter Property & Casualty-Risk & Benefits Management (Magazine/Journal)
Date: April 27, 1998
Publisher: The National Underwriter Company
Volume: v102 Issue: n17 Page: p77(2)

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Dental plans fund accreditation project.: An article from: National Underwriter … & Casualty-Risk & Benefits Management

Publishing your own bid specs for contractors insurance makes your costs go down. Brokers see you can get quotes any time you want, and they feel the competitive pressure. You can do this for your Liability, Auto, Property, and Workers Compensation Insurance.

1. Your bid specifications should provide everything broker needs to produce a quotation.

It takes time and effort to build a full set of specs, but well worth it. They are pivotal to driving down insurance costs. Once they are developed, updating them once a year is easy.

You can hand your bid specs to any broker you please. We measure quality by an absence of questions from brokers. If you get questions, record them along with the answers into your bid specs.

Your bid specifications should describe your operations, exposures, coverage and certificate requirements thoroughly. They should updated annually.

2. Tables in bid specs

Your bid specs should contain lots of tables – vehicles, drivers, sales, payroll, subcontractor costs, equipment, job history, and of course your policy & loss history we covered in Chapter 5. You can get these tables set up in spreadsheets, and they are easy to update. We use an online database to help us keep our clients organized.

Vehicles Year, make, model, Vehicle ID Number, gross vehicle weight, garaging location, cost, any special equipment, loan number, lender name and address

Equipment Show year, make, model, item, Serial number, actual cost, current value, year purchased,

Drivers Name, license number, license state, birth date, date hired

Sales Show 5 years history of sales by type of work. Break out by Commercial vs Residential, remodeling versus new construction. Project the same variables for the coming year.

Subcontractor costs Show 5 years history of subcontractor costs by type of work they did. Project the same variables for the coming year.

Payroll Show 5 years payroll history by workers compensation class code. Show average wage for class, and number of employees. Project the same variables for the coming year.

Job History Itemize jobs you have completed. Do 5 years if you can, but at least present what you did last year. Break out by Commercial vs Residential, remodeling versus new construction. Report jobs you expect to do next year.

3. Description of Operations

Describe what you do. The job history report above really helps save words here. Check your web site to see if you already have a usable description of your operations there.

3. Questionnaires -

Brokers have to fill out lots of questionnaires. Get them, and complete them. Keep them, and update them each year. Do not allow a broker to interview you, then fill out the form and not give it to you. This is a common mistake. You have every right to possess a copy of information provided to insurance companies. Don’t let brokers tell you otherwise.

Questionnaires include: Contractor supplementals, Workers comp supplementals, and the standard acord applications for the various lines of coverage. Getting these in your records is a good step in the correct direction.

If your broker doesn’t want to give you these, it is probably time to have a heart to heart talk with your broker, or consider getting a new one. If you start a new conversation with a new broker, you can establish an agreement you will get the applications in exchange for giving the new broker a chance to quote. This move will go far towards driving down your expenses.

4. Coverage

Brokers pride themselves on designing coverage to meet your exposures. Request a detailed listing of your current coverage, and ask for how it could be improved. Do this with each broker you deal with. This is a practical way to get a coverage spec page set up for your bid specs.

5. Locations

For each location you occupy (not your job sites) brokers need to know quite a bit of information. Ask your broker for the applications for property coverage, so you can be sure all the information is complete and accurate. Of course keep a copy of the application for your bid specifications.

6. Certificate needs

Make it clear what you need in the way of certificates, right in your bid specs. Providing examples of certificates you need, especially the difficult ones can save you a lot of headaches later.

Insurance is a form of risk management primarily used to hedge against the risk of potential financial loss in exchange for a premium.

Insurance companies deal in 4 main areas:

1.) Life insurance
2.) Health insurance
3.) Property and
4.) Accident insurance

. Companies may specialize in life insurance or in one or all the three types of General insurance coverage.

Entry of many private Indian as well as foreign companies, along with existing players, in the insurance sector had added variety and quality to the insurance services. The other positive impact has been on the creation of wide variety of new employment opportunities. Till now employment in the insurance sector was considered akin to any government job, but now with private participation, it has assumed significant importance and has become an exciting career option.

(A) The Prospects

Best places to work include:

1.) Allianz Bajaj Life Insurance Co. Ltd
2.) HDFC Standard Life Insurance Company
3.) Birla Sun Life Insurance Co. Ltd.
4.) ICICI Prudential Life Insurance Company
5.) Life Insurnce Corporation of India
6.) Max New York Life Insurance Co. Ltd.
7.) Metlife India insurance Co. Ltd
8.) Tata AIG Life Insurance Co. ltd
9.) SBI Life Insurance Co. Ltd
10.) ING Vysya Life Insurance Co. Pvt. Ltd.
11.) Bajaj Allianz General Insurance Co. Ltd
12.) ICICI Lombard General Insurance Co. Ltd
13.) IFFCO Tokio General Insurance Co Ltd
14.) Royal Sundaram Alliance Co. Ltd
15.) TATA AIG Life Insurance Co Ltd
16.) Reliance General Insurance Co. Ltd

(B) Nature of Work

Insurance corporations perform various tasks with each department having its own set of responsibilities. The specifics of each type of job are mentioned below:

B. Actuarial

An actuary holds one of the most important positions in an insurance business. He is involved in solving wide range of financial problems related with insurance investments, financial planning and management. Graduates in Mathematics or Statistics are suited for this kind of a job. Do Chartered Accountant Courses to get the eligible for these jobs.

(C) The Job

Actuaries are experts in:

1.) Evaluating the likelihood of future events;
2.) Designing creative ways to reduce the likelihood of undesirable events;
3.) Decreasing the impact of undesirable events that do occur;
4.) Product Development;
5.) Financial reporting;
6.) Pricing of insurance products;
7.) Special project studies to understand a specific industry type;
8.) Analysis of cost data and cost projections for the future;
9.) Coordination with Marketing, Underwriting and Sales units; and
10.) Tracking Legislative and regulatory changes.

Personality traits

11.) Being comfortable with numbers
12.) Sound Computer Skills
13.) Understanding people’s security related needs
14.) An analytical approach
15.) Good general awareness
16.) Strong business knowledge
17.) Good Communication skills
18.) Understanding of human behavior
19.) Good time management skills
20.) Quick thinking and adaptability

(D) Salaries

1)Entry-level salary is approximately Rs. 8 lakh p.a.
2.)Salaries at senior levels could range between Rs. 30 and 50 lakh per annum.

Here’s a tale about a pair of soon-to-be-married people who were incredibly lucky they had wedding insurance for their nuptials. The day began without any issues with the ceremony getting started outside the actual building at their garden ceremony site. Well, it was by a busy street and a lot of traffic interference could be heard during the wedding vows and such but the pair of soon-to-be-married’s didn’t complain. The ceremony was what it was.

Now that the couple was married the guests moved into the pre-reception hall for the pre-reception. Friends and family were drinking and eating and really getting into the party mood. This was, after all, an honoring, a celebration, and the guests we’re happy to do so. Some tasty treats might have been dropped, a beverage may have spilled a little somewhat. There were a minor or two in attendance, too, so they make a little bit of a mess sometimes. There was nothing off kilter when it came to the initial party gathering. Nothing that would need any sort of wedding insurance policy.

The guests then moved into the reception room for the eating and continued partying. The food was edible to say the least. This was, after all, a wedding and when feeding over 200 guests, it’s a challenge to make outstanding grub. Some would even say the food was close to dog food, but that really wasn’t important. What mattered was that all the happy couple’s closest people were there to see them and to celebrate their marriage! Wedding insurance was the lesser of any thing from the newlywed’s. The newly married two were preoccupied with spending time and enjoying their loved ones and close friends. They weren’t visiting all the tables thinking, “Gee, I sure hope nothing bad happens even though we have a wedding insurance policy?”

Moving on from the main course to dessert, the cake cutting came up next. Now, not only had all the guests had a couple under their belt, but so had the happy couple. They were goof off with the cake cutting and ended up pretty much missing each others mouths. A little cake in his face, a little in hers, a little more up his nose, a little more up hers, etc. Well, some crumbs and frosting fell on the rug, but no one smushed it into the rug and the bride and groom were sure someone there would have cleaned it up right away. Besides, this probably happened almost every other weekend and even if the carpet got a little stained, surely the location had wedding insurance coverage of their own.

Following that—and after cleaning the sugary mess off of their faces—the silly couple had their first dance. All the guests fell in love all over again during this special dance. After all the other special dances, like the father daughter dance, everyone else joined in the celebration. The Dee Jay was getting everyone up and everyone shook their groove thang all night long. During the bouquet toss, the bride tossed them way up in the air the flowers actually bounced off of the roof! The bouquet rebounded right in to the hands of the youngest bridesmaid. Again, no person was wounded by jumping for the bouquet so no need for wedding insurance once more! Perchance the young lovers were wondering if they had senselessly spent moneyon a wedding insurance policy.

Toward the end of the night, almost all of the guests had departed for the evening and the happy newlyweds were pooped. They were more than happy with the outcome of their ceremony and reception and they were even more thankful that nothing dreadful happened to the point of having to have their wedding insurance coverage kick in. Surprisingly, no one from the ballroom or locale helped them out. The guard on duty closed the doors behind them and their amazing wedding was over, only to be alive in their memories. They didn’t even consider that the reception hall owners had been pulling a scam for years.

About 30 days after the wedding, the newly married pair got a bill from the owners of the wedding site claiming that there was damage caused to their reception hall during their event. They said the gazebo was damaged by a groomsman. They said a table in the foyer had a drink spilled on it and was destroyed beyond repair. They had to completely replace it. They stated that the ridiculous cake battle that took place ruined that area of the rug and the entire carpet needed to be replaced. They stated that when the bride tossed her bouquet, it scratched up the ceiling and stained it, so the ceiling and the entire main room had to be repainted. The total price of all this to the clients came out to close to twenty thousand dollars.

They (meaning the newlyweds) were devastated. They were lost and bewildered. They somewhat accepted that they had to give in or get litigated upon, and we all know that right there is a lot of money. After talking with their parents and other family members, it was her maid of honor who brought up their wedding insurance. The frantic pair contacted their wedding insurance representative, and they opened up a case to investigate. The two breathed a doubtful sigh of relief.

Two to three weeks lapsed and the bride and groom heard not a word and started to grow more concerned. They started checking out their funds to see if they could somehow find the large amount that they were being asked to compensate. Their wedding insurance company finally contacted them and told them to come in for a little chat.

It turns out the owners of this wedding business had been making false claims on their clients for the past year. Whenever they felt they needed something repaired or upgraded, they would blame the previous weekend’s wedding party. Lucky for them, most couples didn’t think they had any way out and whenever they tried to work out a deal, the wedding location proprietors would threaten them with litigation. Resentfully, couples would just put up and shut up. Not any more.

The wedding insurance policy would have covered any problems caused by the newlywed’s celebration, but with an open case, the wedding insurance agent was able to investigate and ask questions of those crooks and learn the truth. Not only did this couple not have to give cash to the deplorable malefactors of the wedding site, but they saved any future defalcation by these wedding scam artists.

Here, standard wear and tear would have been the declaration and their wedding insurance wouldn’t even be used. And now, this couple and their wedding insurance broker are champions for sending those menacing reception hall owners to prison. If it wasn’t for that wedding insurance policy and the ensuing investigation, the scam may have gone on infinitely.

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on November 28, 1994. The length of the article is 7365 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

From the supplier: The National Association of Insurance Commissioners (NAIC) did not find the Vermont insurance department to meet accreditation standards during a review. Vermont has two insurance codes, one for traditional insurance companies and another for non-traditional insurers. The NAIC review discovered that laws and procedures for traditional insurers are appropriate, but six of 20 laws for the non-traditional market were not based on NAIC model laws. Insurance Commissioner Elizabeth Costle disputes the NAIC’s authority in telling the state how to regulate insurance.

Citation Details
Title: Vt. does not expect to be accredited. (Vermont insurance department accreditation by National Association of Insurance Commissioners)
Author: L.H. Otis
Publication: National Underwriter Property & Casualty-Risk & Benefits Management (Magazine/Journal)
Date: November 28, 1994
Publisher: The National Underwriter Company
Issue: n48 Page: p4(1)

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Vt. does not expect to be accredited. : An article from: … & Casualty-Risk & Benefits Management

I don’t usually get mad about something that should be simple. I’ve found that life is way too short to waste time and get mad about things that are beyond your control.. And for good reason. Simple things should be, well, simple. But when the simple becomes complex, I get frustrated, which isn’t good for anyone involved.

I found myself at the end of my rope a few years ago, trying to get new a car insurance quote for my 1998 Honda Accord. This was before I found out about getting online auto insurance quotes, and how easy, and quick it was. I was standing in a car insurance agent’s parking lot, on a cold California morning (yes, there IS such a thing), waiting for a woman to take pictures of my car.

Unfortunately, I remembered my appointment, but the woman taking pictures obviously didn’t. She hadn’t arrived at the office yet. Her assistant, a rather large, dour Hispanic lady, had opened the offices, and was the first one there. Her expression was anything but eager and happy. Just my great luck.

“Could you wait just a few minutes?”, the opening lady asked. “Our girl is stuck in traffic, and running late. She’ll be here in just a few minutes.”

What choice did I have? It was a little after 8:00 in the morning. I couldn’t speak badly about her attitude, because that morning, I had a attitude myself. I was hungry. I needed my morning ham and cheese croissant and chocolate milk, but rushed to get to the insurer’s office. And now, I was stuck, wasting time, and getting hungrier by the minute.

I thought about going somewhere else, but the place I could get another quote was a good 5 miles away, which was about 30 minutes away in morning rush hour traffic. I had set up a quick one-two schedule that morning. I was going to finish up my insurance, then rush down to a 8:30 DMV appointment down the street with my new insurance paper, so I could register my car. I’m just a creature of habit that way. I’m also usually very calm. But my calm was slowly leaving me.

The simple had become complex. Arrrrgh.

It was now 8:10. I was calculating that I had mere minutes before I had to leave for the DMV. But without the car insurance papers, though, I wasn’t going to get anything done.

“Can’t we just get all the other paperwork out of the way, and take the photos last?”, I asked the lady.

“I’m sorry, we can’t,” the co-conspirator replied. “She be here in just a few minutes.”

I think that I would have been OK with that standard, dry reply, if not for the semi-rude demeanor of this obviously inconvenienced lady, a mix of “keep-your shirt-on”, and “take-it-or-leave-it.”

Whatever happened to “the customer is always right?”

It was now 8:15. My DMV appointment had officially been blown. ” I have to go,” I said. “Just forget it all,” I said, trying to cover up my anger.

“All right sir. Have a nice day.”

That’s all I got. No apologies. No “sorry for the inconvenience”. Not even, “thanks for trying”.

As I was walking out the door, the phone rang. I stopped, just in case it was the camera girl, saying that she be there in seconds. Miss Sunshine picked up the phone.

“Hello?…where are you?…what?…well, get here when you can…bye.”

She hung up the phone and turned to me. “She was in a car accident on the way here.”

I just stared blankly at her for about 3 seconds. How ironic. I shook my head, and walked out the door.

Now, knowing what I know about the convenience and speed of the Internet, I wouldn’t have done it that way.

Do yourself a favor, save some time, and get a free online car insurance quote from insurance-info-center.com. It only takes a few minutes, there’s no obligation, and the smiling lady on the front page is WAY nicer looking than the grump I had to deal with that day. Take a few minutes and fast and free online auto insurance quote. It could save you $450 or more on your auto insurance.