Online Insurance - Is online insurance right for you?

The Internet is a powerful tool for the savvy online consumer. You can review products, compare prices, research companies and purchase almost anything. Following this trend is the increased availability of insurance online. Insurance companies are providing coverage information, quotes and even contracts online. This includes automobile, homeowners, life, medical and even pet insurance. Insurance has traditionally been a high customer service field with direct in-person contact with your insurance agent. Because of the change in customer contact, the migration towards providing insurance online has not always been a smooth one. Instead, companies are finding some tools work and others only cause frustration or confusion. Indeed, the availability of insurance online is still fluctuating and developing. Below we have compiled a few of the ways you can utilize online insurance options and determine if it is the right tool for you.

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Pet Insurance - Is it worth the cost?

There are 72.9 million homes that have pets in America. Besides companionship, these animals are often noted for benefiting human health from lowering their owner's blood pressure to easing depression. It is estimated that Americans spent $53 billion on their pets in 2012. Of this $14 billion went towards vet care alone. In a survey of pet trends by the American Pet Products Association, there was a noted increase in dog related industries and many companies that offered human health products have switched or added lucrative pet health products as well. However, the pet insurance industry was still estimated under a million by 2008 with about 800,000 clients - this hardly covers the majority of pets out there. In part many people question the need for pet insurance. Regardless, analysts expect the pet insurance industry to grow because of the increasing cost of medical care and the new treatments available.

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Vehicle Aftermarket Additions and Your Car Insurance

For car enthusiasts, some of the joy of car ownership involves the personalization of the vehicle with several types of aftermarket products. This can be as extreme as lowering the vehicle or adjusting the engine to basic muffler changes or new detailing. Any change to your vehicle can be regulated by the laws in your state and aftermarket parts must meet federal regulations as well. Warranties are often the first battle ground if your altered vehicle ends up in the shop. If your insurance carrier is made aware of aftermarket adjustments to your vehicle, this can impact your premiums. There are some simple aspects to be aware of before altering your car or truck.

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Is Supplemental Insurance Right for You?

Of course we have all seen the commercials with a little white duck shouting, “AFLAC”, to individuals discussing their insurance coverage. The main focus is the out of pocket expenses a standard insurance policy does not cover immediately or at all (i.e. cash for a mortgage payment). Most insurance companies offer a type of supplemental insurance to cover expenses related to accidents or unexpected illness. But is it a good fit for you?

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Winter Driving: Safety, Tips and the Law

Whether or not you've been informed by a little groundhog to expect an additional six weeks of winter, you probably view winter as a tough season all around. Most of us, at one time or another, have experienced firsthand or saw news coverage of winter storms bringing cities and counties to a virtual standstill. Whether you live in a winter weather state or are just visiting, snow and other winter weather can drastically effect your ability to get around and keep to your plans. Learning some basic driving safety measures and coping tips can help alleviate some of the aggravation. Although varying by state, understanding winter related laws or ways laws are interpreted to include winter conditions is vital to enjoying a safe winter. In this article you'll find safety information that we hope will be useful and that will keep you safe and warm this winter.

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Agents - Is video conferencing your customer service solution?

The evolution of the help desk for online insurance companies has brought with it a variety of ways for clients to correspond using the company website as a communication platform. With e-mail already being a standard replacement for printed memos and letters, there is a growing demand for online insurance websites to offer even faster communications with a personable presence, and a direct convenience with instantaneous results. The solution? Live Help (by enlighten™) - The Future of Customer Service for Online Insurance Companies.

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Car Accident - What do you do after an accident?

About 5.5 million car accidents are reported every year. Most of us will only be in a few accidents in our lifetime and most will be minor. However, when an accident happens it can still disrupt your calm and ruin your day. In addition to natural anxiety in response to an unexpected event, the process of working with the other driver, the police, and the insurance companies can create further apprehension. Much of the stress can be eased if you take a little time now to prepare your vehicle and yourself for the chance event of an auto accident.

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Online Insurance Domain Names - The Cost is Rising

Initial skeptics may have doubted the longevity of the internet. In the early years of growth, many businesses utilized a webpage like an online business card that listed little more than their contact information. Uncertain of how to brand this new resource, businesses often struggled with creating a domain name. Many URLs which included acronyms or catch phrases appeared as company names now competed across state and even country lines. Today, the benefit of maintaining a strong online presence is no longer in question. Indeed, the internet provides consumers 24/7 access to even the smallest of businesses. Insurance agents and companies are no exception and are recently discovering the high cost of cross branding their brick and mortar business with their online presence.

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The Brick-and-Mortar Insurance Industry in the Online Market

An online presence is expected of most businesses today and the proliferation of insurance companies and agents advertising their websites and online services are no exception. But what does the growing online market mean for the brick-and-mortar insurance industry? At one time it may have been suggested that these personal services would lose ground and gradually disappear altogether. Recent trends suggest that is not the case.

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