In This Case, You'll Have to Settle for 1,000 Words

We're new to this blogging thing, and have only had a digital camera for the last six months. . . these are the excuses we're using for why we forgot to take pictures at Friday's wine and cheese reception for the Society of Risk Management Consultants. It may also be because we were too swept up in the fun; multiple tours were given of our facility, and there was plenty of lively discussion of insurance related issues, not to mention a fair amount of wine and cheese consumption.

We did promise pictures though, and we always deliver on our promises. We've managed to post the pictures for the Insurance Professional of the Year Award Ceremony earlier than we planned. If you're interested in taking a look at all of the pictures, please just click over to our shutterfly site. The library will continue the tradition started last year and make a photo book that will be available for perusal at next year's event (we don't have an exact date yet, but it will be sometime next fall, stay tuned for more information).

The sponsor board which was located outside of the entrance to the event. These
generous sponsors help make the event possible.

The Award, it's hard to see the beautiful dupioni silk matting and the hand
lettering in this picture, but trust us, it's gorgeous.

The award winners past and present (not pictured are Ronald Mariano and John B. Conners).

The awarding of the award, by president of The Library's Board of Trustees, K. Douglas Briggs.

Each year, CAR has generously donated a portrait of the winner which is hung in the library for a year and then given to the award winner. Above, Ralph "Buddy" Iannaco, president of Commonwealth Automobile Reinsurers and 2005 Insurance Professional of the Year Award winner is presenting Richard W. Brewer with his portrait.

Again, more pictures are available on the shutterfly site we've created.

Don’t Pay More For Your Insurance - Go For Online Insurance Quotes

Everything has gone online nowadays which you can find over the internet. There is much useless stuff available online that many people find for free to be worthless over the internet. Online insurance quotes are also available for free and many people believe that they are also useless but actually they are the exceptions to rest of the stuff online. There are many reasons that set them apart from much other useless stuff available online.

There are so many insurance companies such as Campbellsolberg, an American insurance company, Lombard insurance company, and prudential insurance company that want you to insure with them. It is very costly for them to get good prospects. So online insurance quotes gives them an easy and convenient way to give quotes to their customers. It is beneficial for both you and the company. Company saves a lot of money and you get the best quotes without much of besets.

Online insurance quotes are also very useful as they allow you to compare different quotes from different companies in just about 2 to 3 minutes and help you choose the best one to make savings. This would have been a lot of time consuming task if done otherwise as you will have to collect quotes from different companies and then compare them manually. Campbellsolberg provides its customers with this facility to make their tasks easier. Not only it provides the online quotes but also offers the best price in the market for any type of insurance that you want to avail.

It’s also very convenient as you can get home insurance quotes online as well as many other insurance quotes such as auto insurance quotes and disability insurance quotes just right from your bedroom.

Don’t just pay more like a fool. Choose the best insurance that suits your pocket. You can get insurance quotes and related information at http://www.campbellsolberg.com/.

Choosing The Auto Insurance Quotes That Works For You

The ever evolving information and communications technology has made our lives easier. You can now order food from restaurants just by surfing the web, book a hotel accommodation online, manage your bank accounts with just a click of the mouse, bid for a sought-after action figure, and many more. What is more, you can even go online to ask for free auto insurance quotes.

Take it or leave it, you need some sort of auto insurance coverage. For the uninformed, the law mandates all drivers to insure their vehicles. Get caught without one and you are a dead meat. Not only will you pay a fine, it will also be your responsibility to pay all the bills if you got involved in a road mishap. Do not take it for granted, the stakes are just too high.

Many experts say that surfing the web for quotes online is a better decision than visiting company offices. Getting them online saves you from having to deal face-to-face with agents only to find out that what they offer is not what you need, which can be very frustrating and time consuming. So, one of the many advantages of collecting free auto insurance quotes via the Internet is that it will save you a huge amount of time and energy.

But be very careful when asking for quotes. Be sure that the companies you are dealing with are trustworthy and have a strong reputation. Do your research about the history of the insurer you choose by checking with state agencies. Doing a bit of research and taking much care will protect you against bogus insurers that offer fake policies. Another benefit of going online and getting free auto insurance quotes is that it allows you to save large amount of money. Usually, insurers offer free quotes as an extra service.

Companies can also save a great deal of money if you go to their sites and ask about their policies. For one, they do not have to appropriate a large portion of their budget on the agent’s salary. In addition, online interaction with likely customers is much cheaper than hiring agents. These savings allow insurers to provide free auto insurance quotes to those going to their sites.

When getting free auto insurance rate quotes online, keep the following information handy, in addition to your name, address, age, gender: the model of the car you are insuring and the license plate number. Insurance use such information in determining the policy that will best fit your needs.

source by http://www.autoquotenow.com/articles/automobile-insurance-quotes

How To Get Automobile Insurance Quotes

A lot of car owners are afraid to deal with hard selling insurance underwriters that they balk at the thought of calling insurance companies for automobile insurance quotes. Some underwriters can be very persistent that they end up calling you almost everyday. The whole thing can be downright annoying and many of us simply do not have time or patience to deal with such kinds of distractions. Since most of us do not like to deal with hard selling underwriters, we do not bother getting auto insurance quotes at all.

Regrettably, not getting the right information regarding our insurance policy can be just as bad as being badgered day and night by a persist insurance agent. You see, when we refuse to get relevant automobile insurance quotes and compare premium prices, we lose the opportunity to save money. Come to think of it, there are literally hundreds of auto insurance companies out there who are competing against each other. This kind of competition can drive the prices of premiums to its lowest level. If we take time to compare the prices of premiums, we may be able to save around 50% on the cost of our premiums. Yes, we can save that much if only we take time to compare prices and negotiate for better terms and conditions with our insurers.

Now, the question is how can we get the best automobile insurance quotes and make informed decisions without dealing with insurance agents? Using the internet is one of the best ways to dodge off agents. If you want to get car premium quotes, just send an email to the surety company. Yes, the company will probably give your email address to one of their agents, but if you do not provide your contact number and your home address to a company, aside from sending your emails, agents will have no other way of getting in touch with you. Technically, getting regular emails from an underwriter is not as bad as getting calls from him or her everyday.

Aside from getting automobile insurance quotes through the internet, you can also get information through brochures and handbills. Many car dealers display brochures and handbills of different insurance companies. Study these materials and compare the prices offered by different insurance companies. If you have some questions about the coverage offered by these companies, send them an email or call their toll free number. You do not have to provide the customer service officer your phone number and address when you call a toll free number so you are relatively safe in that area

source by http://www.autoquotenow.com/articles/automobile-insurance-quotes

Why You Should Get Automobile Insurance Quotes Online

Having an automobile insurance is a principal requirement that comes with owning a car. Most local state laws require car owners to have auto insurance. Auto premiums, however, can be quite costly. Given the present global economic crisis, it is important to be wiser on your finances, especially in major investments like car coverage. That is why it is highly crucial for car owners to find the best deal they can on the coverage they need. This is where the importance of having automobile insurance quotes comes into play.

There are many ways available to get automobile insurance quotes, but the most reliable source of information needed before making a knowledgeable conclusion would be the internet. You ask yourself, “Why go online to look for auto insurance quotes?” Here are some important factors.

For starters, you can consider convenience as one major advantage. The advantage of searching online is that you can look for quotes without any hassles. It is possible to find all the information you need about auto insurance without leaving the comfort of your own home or office.

Another major advantage is how fast you can locate quotes online. Looking for the best quote for auto insurance online is easy, effective, and fast. You can find a good number of insurance companies and compare car premiums and coverage, as well as reviews and feedback from customers. Keep in mind that the important thing when it comes to auto insurance is your finances, so it is essential to get quotes from trusted and reputable companies with good track records.

Last, but not the least, finding auto insurance quotes online gives you assurance that you get the best deals appropriate for your budget and insures that you will not find yourself at a loss should you experience an auto accident.

To recap, three of the most important factors why you should get automobile insurance quotes online are convenience, speed, and assurance in knowing that your needs are being covered and you are definitely getting your money’s worth. You will avoid a lot of hassle and inconvenience common in finding car insurance quotes offline. You will be able to have peace of mind, knowing that your car is completely covered should unwanted and unexpected things happen that will require you to use coverage.

Comparing automobile insurance quotes is very important before deciding on signing up with an insurance company, especially in these tough times. Comparing insurance quotes online guarantees that you will find the best deal the fits your budget conveniently, fast and hassle-free.

source by http://www.autoquotenow.com/articles/automobile-insurance-quotes

Automobile Insurance Quotes

Automobile insurance quotes online offer choices to the potential policyholder to make an informed decision about the best rates and coverage available. Costs may vary from company to company and the differences might be substantial. When obtaining an automobile insurance quote, be as accurate as possible in providing information to the company. A good quote will include applicable discounts available to the potential policyholder. Having a good driving record, good credit history, low mileage, location of vehicle, safety features on a vehicle as well as other considerations might cause discounts on rates. There are some factors, however, that might send the rates higher. Tickets, accidents, low credit score, high mileage or gaps in coverage could mean high-risk to the insurer and make for higher rates on premiums.

Acquiring sufficient coverage is important when applying for an online quote. Oftentimes when a vehicle is totaled the difference between payoff on the loan and the value paid by the insurer is less. Gap insurance will pay the difference between the payoff and what the insurance pays, if there is one. By requesting coverage quotes the policyholder can find out how to secure this coverage to protect their investment. Unless a sufficient down payment is made at the time of purchase there is usually a significant difference between loan amount and the fair market value of the vehicle. Before purchasing a policy, request automobile insurance quotes online in order to understand policies, terms and coverage limitations. Ask questions and give as much information to the insurer as possible when seeking an automobile insurance quote.

Good driving practices and financial habits can help a consumer receive lower rates on a quote. "So that thou incline thine ear unto wisdom, and apply thine heart to understanding." (Proverbs 2:2) Drivers should keep their eyes on the road while driving. It is not a good idea to talk on a cell phone or eat while driving. Drive safely by driving within posted speed limits. Stop at all red lights to prevent accidents. Pay bills on time to maintain good credit scores. Automobile insurance quotes will be higher if there are gaps in coverage. Driving less as well as not using the vehicle for business purposes will keep rates down when applying for insurance quotes. Lowering deductibles will save money on an automobile insurance quote. Having more than one vehicle on a policy usually qualifies for multi-car discounts. Launching a search on the Internet allows the potential policyholder to find the best deals on automobile insurance coverage.

source by http://www.christianet.com/autoinsurance

A Whirlwind

Perhaps you've noticed the library hasn't posted lately? The annual Insurance Professional of the Year Award Ceremony took up so much of our time it was hard to stay on top of our research requests etc. let alone keep up with the blog.

The event was great (if we do say so ourselves). The winner was a popular choice and the speeches given were heartfelt and inspiring. Today, we're still playing catch up with some of our requests from Friday, but over all the schedule is back to normal. We should be able to post a link to pictures of the event in the next couple of weeks.

Meanwhile, we're looking at a lovely bouquet of flowers kindly sent to us from the award winner (thank you) and working on planning a tour of the library and reception for the Society of Risk Management Consultants on Friday (more pictures to follow from that next week).

All about Condo Insurance

A condominium or a condo is a large property or a housing place consisting of many individual units such as apartments where the units are individually owned and the common areas are shared as per the ownership. When looking for an insurance policy for condominiums, it is important to remember that the whole condominium cannot be insured instead individual units are insured because there are many owners of different units. The common areas are insured such that the responsibility of the insurance is shared by all the condo owners.

Condo insurance is just like a home insurance policy in which you insure each part separately and funds are collected from all the residents of the condominium and these funds are used to insure the shared areas of the condominium. The condo insurance policy consists of two parts: master policy and association rules. The individual units insured by each owner separately comes under the master policy and the collective insurance of the shared areas comes under the association rules. One of the very important things in getting your condo insured is to decide what all to include in the insurance policy and also the coverage you would like to have for it. Generally it’s better to look for the market value of the entity and to cover it you can use the half of the market value which provides money to repair the damages caused in case of any accident. The other damages occurred are to be paid by the owner himself as they come under his personal expense.

To find more on condo insurance, visit www.campbellsolberg.com

Auto Insurance: The Protection You Need

On average, a motor vehicle crash occurs every 5 seconds, a person is injured in an accident every 11 seconds, and a fatal injury occurs every 12 minutes. Those are scary thoughts as you head out the door to school, work or to the store and convincing evidence of why auto insurance coverage is so necessary.

However, you can rest a little easier knowing that the crash fatality rate per 100 million vehicle miles traveled is the lowest it has been since record keeping began 30 years ago, registering at 1.46, and remained below 1.50 for the second consecutive year in a row. According to the National Highway Traffic Safety Administration's (NHTSA) 2004 Early Edition Report, the number of police-reported motor vehicle crashes occurring on the highways dropped to under 6.2 million from more than 6.3 million in 2003, and persons injured in these crashes continues to steadily decline as well.

This reduction is due in part to the national campaigns aimed at increasing safety belt use and reducing impaired driving. Currently the seat belt law is mandated in all 50 states, which greatly helped reduce the number of persons killed in auto accidents in 2004. The countrywide campaign for drinking under the influence has also greatly helped reduce alcohol-related fatalities for the second consecutive year in a row.

Time plays a big part.
Even with all these new preventive measures, accidents are still happening. This is why the focus has turned to on which days and at what time accidents are occurring. According to the NHTSA, Saturday and Sundays nights between Midnight and 3 a.m. are the deadliest 3-hours on the road, with a total of 2,451 fatal crashes in 2004, seventy-six percent of these accidents involved alcohol.

So you now know what time of day to try and avoid, but do you know that time of year? The Early Edition Report indicates that August topped the charts with the most fatal crashes in one month and December had the most overall automobile accidents, totaling 601,000- something to keep in mind during your vacation and holiday travels!

Your car can affect your car accident.
The vehicle you drive can also play a large role in your car accident. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks only accounted for 15 percent of the vehicle accidents. In addition, we saw an increase in vehicles rolling over during an accident. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these accidents occurred during daylight, in normal weather conditions, while the vehicle was going straight.

Protect yourself with auto insurance.
Accidents do happen, but you can follow some simple safety measures while driving. These include wearing your seat belt at all times, obeying the speed limit, being cautious of your surroundings and having auto insurance. By having auto insurance, you are able to protect yourself, your family, passengers and other drivers from incurring additional heartache and financial burden.

If you are in the market for auto insurance or would like to make sure you are receiving the best package for the price, logon to the Insurance.com's auto quote comparison tool . There, you'll be able to compare car insurance rates from up to 12 insurance providers, helping you evaluate various auto insurance premiums while helping you find the best package for your overall needs.

source by http://www.insurance.com/article.aspx