Insurance Consumers Buying More Often Online

A recent survey indicates that more and more consumers are looking to the Internet when buying insurance.  Serenity Insurance has been offering cheap car insurance quotes online for many years.  It is Serenity’s goal to not only provide state of the art resources to meet consumers’ needs, but to also serve as a source for insurance products and provide related resources.

“The survey — 2010 Insurance Customer Interactive Media Usage Survey conducted by AIS Media Inc. — queried the public on where they obtain information about insurance services and how receptive they are to interactive promotions for insurance.”   [ Read More ]

Furthermore, the insurance survey indicated that insurance company websites will be “pivotal not only for acquiring new customers, but retaining customers in the long term. For a growing number of consumers, the Web site is the first point of contact with an insurance company.”

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Whether you are a preferred driver looking for cheap auto insurance rates or a high risk driver required to carry Form SR22 insurance, Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.  Call us today

Serenity offers car insurance in 47 states. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Related: Did Your Insurance Agent Do Their Job?

Technorati Tags: auto insurance, car insurance, Insurance

Pay czar limits salaries for top executives at 5 bailed out firms

The press announcement from U.S. Treasurry reads:

“Special Master for TARP Executive Compensation, Kenneth R. Feinberg, issued his rulings on 2010 executive pay packages for the `Top 25′ executives at the five remaining firms that received exceptional assistance from taxpayers: AIG, Chrysler, Chrysler Financial, GM, and GMAC. Because Bank of America and Citigroup repaid their exceptional assistance, they are not subject to the Special Master’s 2010 rulings. The Special Master also released a letter requesting information on compensation paid to the `Top 25′ executives at each firm that received TARP assistance before February 17, 2009 to obtain information needed for the `look back’ review required by the Recovery Act”

Source: U.S. Treasury Department’s press release, dated March 23, 2010
http://www.ustreas.gov/press/releases/tg604.htm

These headlines really caught our eye AIG Increases Compensation for Most Top Managers Who Remained - AIG Unit Feels Effects of Pay Limits and  AIG’s Benmosche Awarded Salary of $7 Million, Feinberg Says  and seem contradictory or misleading.  In part, they may have been written before the Treasury’s announcement.

Let the buyer beware, perform your own due diligence when purchasing insurance.  Serenity does not endorse or provide insurance quotes for American International Group Inc., AIG or any of their subsidiaries.

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: AIG, American International Group, American International Group Inc., Kenneth Feinberg, TARP

Nearly one in five drivers has read or sent a text message while driving according to recent survey

It seems to be more commonplace to hear news of an accident involving a driver who was distracted by reading or texting while driving. 

We found quite an interesting commentary by Andrew Simpson entitled Don’t Let Research Distract From Safe Driving Efforts which cites safety advocates who have urged texting bans for drivers in all 50 states but an insurance industry study questioned whether these state laws are worth enacting.

“The Highway Loss Data Institute study found that claims rates did not go down after the laws were enacted. It also found no change in patterns compared with nearby states without such bans.”
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“One explanation could be an increase in the use of hands-free devices in places with bans on handset use while driving.”

We believe that safe driving includes driving with little or no distractions. Driving requires all of the driver’s attention and each distraction in the car adds yet another layer of risk as further pointed out in this commentary:

“Dr. Amit Almor, a psychology researcher at the University of South Carolina, says language and driving are complex activities that tax the brain in many ways. Almor completed two studies in 2008 and 2009 that looked at the demands on the brain when talking on cell phones while driving. Texting adds another layer of language and motor skills, which Almor warns can make for a lethal combination.”

“Verbal communication is a complex combination of listening, thought generating and talking. Driving involves assessment and decision-making and an array of motor skills,” Almor says. “Talking on a cell phone while driving is distracting and dangerous. Texting is far worse, as it adds another motor skill and keeps the driver in a different mental space for a much longer period of time.”  {Read More}

Serenity Insurance reminds its customers to stay safe while driving. This includes not talking on a cell phone or texting while driving.

Technorati Tags: cell phones, Driving, Driving Safety, texting

Whether you’re a motorcycle enthusiast or a first-time rider, being responsible and being safe is what it’s all about;  being responsible includes having motorcycle insurance

Motorcycles have been made for a variety of purposes, but most fall into one of three categories: street bikes, off-road and dual purpose bikes. Street motorcycles are designed for being ridden on paved roads and include: cruiser, sport bike, touring, standard and scooters.

- Cruiser – This type of motorcycle is typified by the design of the American models of the 1930s through 1960s. Due to the fee-forward riding position, these models are generally more comfortable for long distance riding.

- Sport bike – Sometimes referred to as performance bikes, sport bikes emphasize speed, acceleration, deceleration and maneuverability.

- Touring – These models incorporate features designed to address the needs of long distance touring and heavy commuting riders.

- Sport Touring – Sport touring motorcycles combine the features of both sport bikes and touring models. They are designed for comfortable long distance travel with good handling and high performance.

- Scooters and Mopeds - Scooters and Mopeds are becoming more popular because of their fuel efficiency and affordability.  Scooters and Mopeds are intended for in-town commuting and short distance riding.  They are a good way to learn the feel of being on a 2-wheel device before moving up to the motorcycles.

Whether you’re a motorcycle enthusiast or a first-time rider, being responsible and being safe is what it’s all about. Being responsible includes having motorcycle insurance.

Most people rely on obtaining motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, motorcycle insurance gives you peace of mind in knowing you are protected.

There are policies for scooters and mopeds also at a lower cost that provides you with similar coverage that the motorcycle insurance policy provides.

Call us toll free:  1-800-774-0520 or use our insurance quote form to obtain a motorcycle insurance quote today.

Technorati Tags: Insurance, mopeds, motorcycle, Motorcycle Insurance, motorcycles, Scooters

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.”
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“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.”

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“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