Cheap Auto Insurance and Cheap Insurance for SR22

State governments may have a responsibility to protect lower-income groups during tough economic times, but it appears that Michigan regulators may be able to do more to balance auto insurance rates than a complete reform package.

This article addresses the road to regulation in Michigan and brings out valuable points to ponder.  It reads in part:

“The government should empower regulatory agencies that can force insurance companies to offer fair rates, rather than pass a bill completely revising, perhaps unwisely, the way rates are calculated.”

“Looking at a driver’s level of education, profession and income aren’t necessarily fair ways of determining an individual’s likelihood of being involved in an accident.”

“But while low-income drivers can’t afford to pay more than everyone else, insurance companies shouldn’t necessarily be barred from making determinations about whether drivers will be able to pay if they are involved in an accident.”

“Instead, legislators should expand the ability of regulatory agencies to make those determinations. Regulators should be given a strong mandate to make sure that insurance premiums are being calculated fairly and that low-income drivers aren’t getting the short end of the stick. Such a mandate would be able to protect the less fortunate while making sure that insurance companies don’t pass the costs on to middle-class families.” [ Read More ]

Serenity Insurance provides SR22 insurance in 47 states, including the state of Michigan.  Let us prove that we can beat the rates and service of the national insurance carriers. Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us toll free at 1-800-774-0520 or fill out a car insurance quote request today.

Technorati Tags: auto insurance, car insurance, Michican, SR-22, SR-22 insurance, SR22, SR22 Insurance

Congress continues debate on how to make auto insurance mandatory. The bills being talked about by legislators are causing much reaction from consumers and concerned parties from the insurance industry.

This article on how to make auto insurance mandatory caught our eye.  In reads in part:

“Reports say that as the health legislation continues, an outpour of overwhelming reaction is building online. Blogs, websites, and other information outlets are starting to be filled up with articles having the notion that the US government is going force the public to purchase a commercial product even if they don’t have enough to pay for it or don’t want to buy. Those who are against the health care legislation advancement also argue that coercing the public to purchase one commercial product can lead to forcing people to buy more products in the future.” [ Read More ]

In these tough economic times, many people may be tempted to reduce the amount of auto insurance coverage they have or drop their auto insurance altogether in order to save money. 

Serenity Insurance provides affordable choices for their customers. Whether you need an SR22 or preferred auto insurance rate quote, our goal is to provide the most competitive car insurance rates for our customers. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers. 

Call us toll free at 1-800-774-0520 or fill out a car insurance quote request today.

Technorati Tags: auto insurance, car insurance, health insurance, Insurance, insurance industry

The debate continues about benefits and costs of health insurance. Pundits and consumers alike agree that the comparison of the health insurance mandate to mandatory car insurance is not relevent.  People have choices when it comes to car insurance.  If they don’t want to pay for it, they don’t have to drive.  The health insurance mandate, however, does not offer such choices. 

We found an interesting editorial comparing auto insurance mandates and health insurance mandates that caught our eye:

“Although there are legitimate concerns about the rate of compliance with a proposed health insurance mandate, comparing it to the experience with auto insurance is flawed reasoning.”

“First, compulsory auto insurance is a state-by-state mandate, and the rates of compliance vary depending on how seriously a state takes the issue. In Mississippi, for instance, it took forever for the Legislature to adopt a mandatory insurance law in the first place, and the enforcement mechanism is still not as strong as it could be.”
…
“The federal government, which would police mandatory health insurance, has an advantage over states when it comes to enforcement. It can set one national policy, rather than deal with regulations that vary state by state. It also has a huge club — the Internal Revenue Service — to dangle over the heads of the public and to assist in catching the scofflaws.”

“Furthermore, unlike auto insurance, which makes no allowances for the income levels of the purchaser, the main health-care reform plans being considered by Congress take into account income differences. They call for providing subsidies to people who truly can’t afford the full cost of coverage.”  [ Read More ]

Serenity Insurance offers affordable car insurance.  Let us prove that we can beat the rates and service of the national insurance carriers, regardless of your income. We offer coverage in 47 states. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us toll free at 1-800-774-0520 or fill out a car insurance quote request today.

Technorati Tags: auto insurance, car insurance, health insurance

Business Journal reports that Ohio has 11th lowest auto insurance rates

Car insurance rates throughout Ohio are declining, giving the state the 11th lowest auto insurance rates in the nation, according to a new study.

For the third consecutive year, state auto insurance rates have declined, according to the 2006/2007 Auto Insurance Database Report announced Wednesday by the National Association of Insurance Commissioners.

In 2007, the most recent data available, Ohio’s ranking as 11th lowest for auto insurance rates in the nation was an improvement from its ranking of 13th lowest in 2006.

[ Read More ]

Serenity Group Insurance provides cheap car insurance in 47 states, including the state of Ohio.

Whether you are a preferred driver looking for cheap auto insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.

For Cheap Insurance or SR22 Insurance call (800) 774-0520

Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out a car insurance quote request.

Serenity Insurance provides discounts for both cheap auto insurance and SR22 auto insurance. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us toll free at 1-800-774-0520 or fill out a car insurance quote request.

The following article by Bill Kenealty reports that most insured’s are not aware of their coverage or the discounts available to them.

“Americans are not utilizing all of the discounts that may be available to them in their homeowner and auto insurance, according to a new national survey conducted for Trusted Choice and the Independent Insurance Agents & Brokers of America (IIABA).”

“…  The study found 34% of respondents, representing 53 million households, admitting they are probably not taking advantage of all homeowners insurance discounts or indicating that they simply didn’t know. The results were largely similar with auto coverage, with more than 20% of car owners either not knowing or employing all the discounts available to them.”   [ Read more ]

Whether you are a preferred driver looking for cheap auto insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.

For Cheap Insurance or SR22 Insurance call (800) 774-0520  or fill out a car insurance quote request.

This past week, there has been a flurry of health insurance inquiries. There is quite a debate nationally about costs of health insurance, who should pay, who should be covered, what the coverage levels should be, etc.  Most pundits seem to agree that the comparison of the health insurance mandate to mandatory car insurance is not relevent.  People have choices when it comes to car insurance.  If they don’t want to pay for it, they don’t have to drive.  The health insurance mandate, however, does not offer such choices. 

There was a thought provoking article by Judson Berger - FoxNews that caught our eye:

“Critics are urging the Obama administration to use a different, more representative comparison than car insurance to justify a health insurance mandate. ”

“In building the case for mandatory health insurance, President Obama and congressional Democrats are comparing a proposed requirement to buy health coverage to the need for all car owners to buy auto insurance.”

…

“It’s true that most states require drivers to carry auto insurance. And it’s equally true that the administration wants a federal law that will require individuals and employers to buy health insurance.”

“But the similarities end there.”  [ Read more ]

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Whether you are a preferred driver looking for cheap auto insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.

For Cheap Insurance or SR22 Insurance call (800) 774-0520

Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out a car insurance quote request.

Technorati Tags: auto insurance, car insurance, health insurance

Combined Insurance Group Ltd has lost two domain name battles for seemingly generic domains, CheapAutoInsurance.com and CheapAutosInsurance.com.

The company claims trademark rights to “Cheap Auto Insurance”, even though many of these trademarks and their dates of use are questionable based on evidence brought forth by the respondents.

The insurance company owns the domain name Cheap-Auto-Insurance.com. It should remind you of another case where a company with a hyphenated domain name is making a dubious case: the owner of c-a-s-i-n-o-s.org going after casinos.org.

Read More

Technorati Tags: Cheap Auto, Cheap Auto Insurance, CheapAutoInsurance, Combined Insurance Group, domain

Cheap Auto Insurance and SR22 Leader Available Nights and Weekends

Serenity Insurance Group, the leader in customer service based Affordable Car Insurance for high risk and preferred drivers, now has agents available to respond to auto insurance quote requests during night and weekend hours.

Beginning June 18, 2009, Serenity will have automotive insurance specialists available by telephone, by live chat, or by filling out the online quote request form on the Serenity Group website.  Extended hours for Monday through Saturday run until 8:00 P.M.Pacific Standard Time (PST) and agents are available by phone, by live online chat and by filling out an online form.

DUI drivers can now obtain affordable SR22 Insurance with a phone call or simple online form during extended night and weekend hours.

Serenity Insurance Group today announced the expansion of their DUI and DWI Insurance coverage area to include 47 states and expansion of hours of full time coverage by licensed insurance agents up until 8:00 P.M. PST. These expanded service times mean that almost all drivers can now take immediate advantage of the low cost and easy accessibility of the SR22 Insurance coverage and cheap auto insurance options offered by Serenity Insurance.

DUI Penalties State by State

Drivers who have been convicted of Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) are required to maintain special insurance coverage. In many states, this is documented by an SR22 filing by an insurance company that writes this type of coverage. Serenity is now able to supply SR22 forms in all but three states and is also able to supply ATV Insurance, Motorcycle Insurance coverage, umbrella policies and a variety of other insurance needs. Anyone who is required to carry the special mandatory SR22 insurance can now obtain evidence of SR22 Insurance with a phone call to 1-800-774-0520 or simple online form available on the Serenity Web Site at http://www.serenitygroup.com/

About Serenity Insurance Group
Serenity Insurance began as a unique insurance agency primarily focused on serving the specialized insurance needs for drivers with alcohol related offenses. Mr. Thomas A. Black, the founder and CEO of Serenity Insurance has over 35 years experience in the insurance business. Mr. Black believes that when people make a serious mistake and get an alcohol related offense they need an insurance agency that understands what is involved from society’s point of view as well as from the offenders point of view. Serenity Insurance helps people get back on their feet by acting as a resource for answers related to SR-22 insurance and providing affordable insurance. Serenity now serves 47 states and is committed to treating all people with dignity and respect while maintaining complete confidentiality.

Serenity works very closely with Alcohol Treatment centers supporting their efforts to get offenders back on their feet as contributing members of society as quickly as possible. Serenity stands firmly committed to providing caring confidential service combined with affordable insurance for people requiring an SR-22 filing.

For Cheap Car Insurance quotes call toll free 1-800-546-5470
For SR22 Insurance quotes call toll free 1-800-774-0520
Or fill out this form on the website.

Contact:
Bill Sutherland
1-800-546-5470

Technorati Tags: auto insurance, car insurance, Cheap Auto Insurance, Cheap Car Insurance, DUI, DWI, Insurance, SR22

Apps like Evernote, Shazam, and Mint get all the glory, but there are plenty of other productivity-boosting, life-improving apps out there. Here’s one we are loving right now–and it’s a freebie.

iWrecked–Auto Accident Assistant Fender-bender? iWrecked helps you record all the necessary details, complete with photos, and turns them into an insurance company-ready PDF. It can also find nearby taxi and towing services and dial 911. This is one app you hope never to need, but find indispensable when you do.

Courtesy: Cnet Reviews

Technorati Tags: accident claims, accidents, auto insurance, car insurance, claims, Insurance, Insurance Costs, Interesting Articles

As Georgians struggle to cope with an ongoing recession, their car and home insurance rates are on the rise.

Hit hard by storms and losses on Wall Street, insurance companies have been hiking their rates this year in Georgia and in other states.

According to the Georgia Department of Insurance, four of the largest insurance companies operating in Georgia are raising their average homeowners’ insurance rates by 5 to 11 percent this year.

Read More

Technorati Tags: auto insurance, car insurance, Cheap Auto Insurance, Insurance Costs, insurance rates, Interesting Articles