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Infinity Insurance: Unique Personalities Need Our Special Attention

Written by Michele Wilmonen. Posted in Advertising, Research Last Updated: 09/21/2011

Infinity Insurance tries to make themselves out to be the insurance company that understands the needs of unique drivers, but falls short explaining why.

Summary

Commercial opens with a little, masked wrestler bobbling around in the back window of a vehicle. The picture switches to a diva doll in a rotating gold shoe in the next rear vehicle window and packages in the backseat of the cat. The next scene is flashing lights disco lights in another car and a little disco dancer in the rear window of this one. Each scene has background music and noise that fits the scene in the rear of the vehicle.

Spokesman: At Infinity we know that each driver is unique.

Scene changes to show the spokesman that is talking to us.

Spokesman: So call us today and switch to the auto insurance that’s right for you. For 60 years we’ve been serving our clients’ diverse needs with thousands of agents and local claims offices. It’s easy, call now and get the special attention that you deserve.

Scene changes from spokesman to an Infinity Insurance company vehicle. On bottom of the screen are the phone number, website address and the Infinity logo.

Spokesman: Infinity, always with you.

Point of the Commercial

Infinity is making the point that they can tailor your insurance to fit your specific needs; that they are not a “one-size-fits-all” insurance company. As they do not go into specifics on how they are different in fitting the “diverse needs” of clients in their commercial, I am not sure how they are any different than any other insurance company.

What They Want you to Do

Infinity makes no mistake that they want you to call them at their toll free number as this pops up only 7 seconds into the commercial. In fact, in the span of the 32 second commercial, they show us their phone number 5 different times in different locations on the screen. Their website address shows up 3 different times during commercial.

So even though they are telling you about their local agents and claim service, they are encouraging you to contact them directly and apparently preferably by phone as this form of contact gets the most screen time.

My Opinion

I like the beginning of the commercial with the three different cars and how they are decorated. It’s fun and does help Infinity prove the point of drivers all being different. However, the majority of the commercial is a spokesman talking sales pitch and they never say why they are different from other insurance companies.

I would have to give this a thumbs up for the beginning of the commercial and a thumbs down for the 2nd half of the commercial.

Texas Car Insurance: Keeping Track of the Uninsured Electronically

Written by Michele Wilmonen. Posted in Research Last Updated: 12/03/2017

Texas car insurance is required just like in every other state, but in Texas the government keeps track of your insurance.

 

State Regulator Information 800-252-3439 www.tdi.state.tx.us
Insurance Premium Avg. Annual Premium: $ 1,506 National Average: $1,318
Mandatory Car Insurance Coverage Bodily Injury Liability:$30k/60k
Property Damage Liability: $25k

Texas Car Insurance under the Texas Flag

Texas car insurance is tracked electronically in the state of Texas to make sure that every registered vehicle is covered by insurance. If your insurance coverage does not meet minimum state requirements you will not be allowed to complete any required actions for your vehicle or your driver’s license.

For drivers living near the Mexican border, they will also find that their Texas car insurance doesn’t meet legal insurance requirements of the Mexican government.

Texas Car Insurance Requirements

Texas car insurance requires a driver to carry a minimum of $30,000 per person and $60,000 in liability coverage for injuries to others. Drivers are also required to carry a minimum liability limit of $25,000 for property damage done to others.

You have to be able to show proof of this insurance if you have an inspection on your car, renew or get your driver’s license and renew or register your vehicle in Texas. Just like in other states, you also have to supply proof of insurance if you get into a car accident or are asked by a police officer for it.

Going to Mexico with Texas Car Insurance

If you drive into Mexico the coverage on your basic Texas car insurance policy will not follow you into Mexico. You will need to contact your agent to add a special endorsement to your policy.

The basic policy endorsement on your Texas car insurance policy will generally cover you up to 25 miles past the U.S.-Mexican border and is good for up to 10 days. If you visiting longer or further into Mexico let your agent know. They may be able to find you a tourist type endorsement to add to your Texas car insurance policy that will give you the coverage you need to legally drive in Mexico.

TexasSure

Texas car insurance is verified by the authorities through a program called TexasSure. TexasSure allows the police, vehicle registration offices and any other allowed department to verify if you truly do have current Texas car insurance.

This program was designed to cut down on the number of uninsured motorists in the state of Texas. It works by matching your VIN number with the insurance database information to verify that your vehicle is insured. If your VIN does not match with an insurance record, you will be sent a notification from the system that you need to correct the situation.

The TexasSure system also prevents people from providing false or forged insurance information to the authorities.

Penalties

Your first offense for not carrying Texas car insurance is a fine that can range from $175.00 to $350.00. If you continue to be caught without insurance your fines increase to $350.00 and up to $1000.00, also your vehicle is impounded and your driver’s license is suspended.

While the first and second offense fines and penalties would stop most people, there are those that just don’t learn. If you are one of those and you still drive without insurance even after your license has been suspended, your fines can be up to $2000.00 and/or jail time. An accident that is caused by you that results in a serious injury or death increases your fine up to $4000.00 and/or a year in jail, if you are still driving without insurance.

How Your Location Affects Your Car Insurance Rates

Written by Michele Wilmonen. Posted in Research Last Updated: 09/26/2011

Where you live can affect your car insurance rates as much as your driving record does.

A Picture of the USA and the Different Cities Where Insurance Rates are Different

Where you live in the country will determine your car insurance rates

As we have talked about many times before on this site, insurance companies base their car insurance rates off a number of different factors. Some you have control over, like your driving record, and some you just don’t. One of the biggest factors that you have no control over is the area that you live in.

Insurance companies use statistics to chart the factors that would eventually lead to claims in geographical areas. The higher the chance that a vehicle in a certain location would have a claim reported on it, the higher the car insurance rate will be for that area. So, unless you want to contact every insurance company in the nation to find out where they charge the cheapest rates and then move there; you really have no control over this.

What Increases Car Insurance Rates in a Location?

A location will see increased car insurance rates whenever there is a greater chance of a situation happening that a client will have to report a claim on their vehicle for. Locations that have high crime rates have a higher chance of a vehicle being stolen or vandalized. Locations that have a high number of irresponsible or less experienced drivers have greater chances of an accident in general happening.

Also locations that have roads with high speeds or high populations of drivers have a higher chance of a serious, possibly fatal, accident happening. This last category can have the greatest affect on insurance premiums. Serious accidents with injuries and fatalities are going to be the most costly for an insurance company in terms of the amount paid out on a claim. 

All of these situations and factors come into play when an insurance company is setting the car insurance rates for a certain area. They then have to submit a request for the rate to be approved by the Department of Insurance or Insurance Commissioner in the state they are setting the car insurance rates in. Until these rates are approved, they cannot begin to use them.

Cities that Would Have Higher Car Insurance Rates

The following 15 cities made the list as the most dangerous cities (population of 150,000 or more) to drive in according to information from the National Highway Traffic safety Administration (CNBC.com ).  This information was based on the number of car accident related deaths compared to population, which is just one of the factors that insurance companies use to calculate their insurance rates.

Even so, the people that live in these cities most likely pay higher car insurance rates than a person living somewhere else.

  1. Fort Lauderdale, FL.
  2. Orlando, FL.
  3. Augusta-Richmond, GA.
  4. Little Rock, AR.
  5. San Bernardino, Ca.
  6. Salt Lake City, UT.
  7. Chattanooga, TN.
  8. Jackson, MS.
  9. Memphis, TN.
  10. Lubbock, TX.
  11. Jacksonville, FL.
  12. St. Petersburg, FL.
  13. Tulsa, OK.
  14. Birmingham, AL.
  15. Oklahoma, OK.

Does anyone else notice that there is one state in particular that makes a repeat appearance multiple times on this list? To think, I’ve always been worried about driving in Southern California.

Why Does My Former Insurance Company Still Want Money When I Cancelled on my Billing Due Date?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/24/2011

Cancellation dates and insurance coverage dates may not coincide, but if you are on a monthly payment plan your insurance should have been paid in advance.

Sometimes the billing on your policy is just not calculated correctly by the company.

How insurance companies calculate your monthly insurance billing can be very confusing.  First, they usually want you to pay for two months down when you start. This is because with monthly billing plans the insurance company is going to have you pay a month in advance. 

Second, your billing due date will most likely not coincide exactly with how much insurance you have purchased.   For example you may make your payments on the 1st of the month, but your monthly insurance coverage may run from the 20th to the 20th if each month.

Still, being on a monthly payment plan you should be paying in advance.  If you have cancelled your insurance and the insurance company is saying that you still owe them money then one of two things may have happened.  One, the billing system does not have the correct or current cancellation information.  Did you get a cancellation notice from the company to verify cancellation and what date did it have on it?

Two, the billing is not accurate.  You need to contact the insurance company and ask why you are still being billed for a cancelled policy.  If they tell you that you owe them for insurance coverage prior to your cancellation date, challenge them on it.  Make them provide you with a breakdown of all the payments that you have made and the time period of coverage that the payments covered.

Farmers University and Distracted Driving

Written by Michele Wilmonen. Posted in Advertising, Research Last Updated: 09/21/2011

The student agents learn an important lesson about distracted driving and their role in helping safe drivers get better rates.

Summary

Commercial opens at the entrance of the University of Farmers campus with bells ringing.

Professor:  Distracted driving, it accounts for 25% of car crashes.

We see a boom box fall from the sky and the distractions for the student agent all start.

Professor: Music, cell phones, food; the list goes on.

Student outside of the car: This is why safe driving is so important.

Professor: Correct.

Student in car: That’s why the best agents help safe drivers get a lower rate.

Hot coffee is poured into the lap of the student driving the car

Professor: Exactly.

More distractions, including a “Saturday Night Live” type friend jumps into the front seat of the car rocking out to the music.

Student driving crashes the driving simulator into a stop sign after glancing over at the passenger in the front seat.

Announcer: We are Insurance

Chorus: We are Farmers

Commercial closes with Farmers logo and the types of insurance that they provide.  On the bottom the only contact information is farmers.com.

Point of the Commercial

Most of the series of Farmers’ University commercials are telling potential Farmers’ customers that Farmers’ agents are highly trained in insurance. This particular commercial highlights not only that agents help good drivers that don’t drive distracted get good rates, but also the dangers of distracted driving.

With how dangerous and more common distracted driving has become, you could say that this is a Farmers’ commercial and a public service message all rolled into one.

What They Want you to Do

With the only contact information at the end of the commercial being the Farmers’ website address, they want you to visit their website. They don’t encourage you to get a quote from them or to contact your local agent in this commercial. So they are really not asking you to do anything, just letting you know about distracted driving, what lines of insurance they write and also where to find them online.

My Opinion

This has to be my new favorite University of Famer’s commercial. While Farmer’s is reaching for funny in most of their other commercials like this, they have never quite made it (in my opinion). But, they hit it head on with this one and all while seriously talking about a very important topic.

The funny thing is that I am concentrating so much on watching all of the different things that are going on while the guy is doing the driving simulation that I am too distracted to listen to the commercial. I had to close my eyes just to pay attention to what they were saying. I guess it’s a good thing that I am not driving at the moment.

Of all the distractions that they show, the lipstick on a pole is the one that gets me laughing. Which distraction is your favorite?

Giving this one a definite thumbs up!

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Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.