Tin, That's All?

The first year I started at the library was also the first year the library hosted The Insurance Professional of the Year Award Ceremony (for a history of the award please refer to this post). It's with much pride that we've reached the 10th anniversary of this award!

It turns out that classically 10th anniversaries aren't anything particularly special (they're not golden, or silver, just tin or aluminum). It is a notable achievement for the library, though. This year is the first year that a person from the greater New England area has been selected to receive the award. It is also the first year the award has been given to a woman.

The Library is happy to announce that this year's winner is Sandra G. Parrillo, CPCU, President and CEO of The Providence Mutual of Providence, Rhode Island and its subsidiary Providence Plantations Insurance Company. Ms. Parrillo is very active in the insurance industry nationally, including in her role as Director and Chairman of The National Association of Mutual Insurance Companies (NAMIC), as well as in her local community. A brief biography may be found on our website.

If you'd like to join the library in a letter of congratulations to Ms. Parillo, you're welcome to "sign" a letter which will be printed in the October 14th, 2011 edition of The Standard by going to our website. You can also register now for a seat or a table for the October 21, 2011 event at the same time, if you'd like. The options are listed on the left side of the ecommerce section of our website under the title: Insurance Professional of the Year Award Ceremony Reservations. We will be sending out an official email announcement about the event next week followed by printed invitations sometime next month. We thank all of you for the continued support which has made the past ten years possible!

Auto Insurance Quotes Online – Things First Time Buyers Need To Know

Getting automobile insurance is not an option, but is an obligation that keeps you safe from doling out a fortune on the repairs if your automobile happens to get involved in an accident. However, many people tend to keep on postponing the task not only because they find the expense unnecessary but also due to their ignorance of the process. Even though it is quite easy to find numerous auto insurance quotes online, choosing the right one can be extremely confusing and difficult especially if you have no previous experience.

The first step towards buying auto insurance online is to have knowledge about the insurance providers who offer insurances quotes online. You can start by doing an online search for companies that offer these services. The search results will produce a list of the companies that have an online presence. Alternatively, one can choose to visit the website of an insurance agent that provides insurance quotes of different companies.

Having found a site that offers auto insurance quotes online , it is vital to check out their background and authenticity. In addition to checking out the testimonials given on the website, it is advisable to search the net for any negative publicity, frauds or scams. If possible, you should also look for references of people who have dealt with the specific insurance company as they can provide you invaluable information about how helpful or cooperative the representatives of the company are at the time of the claim settlement. It is also a good idea to check out more than one websites to double check the reliability of the insurance quotes available online.

The process of seeking auto insurance quotes online may require you to provide some basic information about yourself and what kind of policy you are looking for. You might be required to fill up a form or answer a questionnaire. In either case it is vital that you provide the complete information with total honesty so that you may find policies that are most beneficial to them.

Apart from learning about the insurance provide, you also need to learn all about the benefits offered under different auto insurance policies. In case you feel that the benefits are not enough or the premium charged or the deductibles are too high, then it is better to look out for another policy from a different provider. However, make sure that your expectations are realistic and you are clear about the features you need in the auto insurance policy.

Campbell Solberg Associates is one of the foremost and reputable auto insurance quotes online agents renowned for their economical, honest and genuine insurance quotes. For more information on their services you can logon to their website http://www.campbellsolberg.com.

Home Insurance Quotes – Get One Right Away!

`House of my own’ is a dream which every individual nurtures. However, owning a home is usually a serious investment that involves lot of effort, time and money. So, naturally, people can’t help worrying about many unfortunate events that may destroy their dream house in a jiffy. Damages can be caused in many ways, but, the end is always the same- grave financial lose to the owner. This is the reason why Home insurance was devised in the first place and why you should get house insurance quotes right away, either online or from a trusted consultant.

Getting insurance for a prized possession, such as one’s dream house, involves long term investment and financial obligation. This requires you to be very careful while choosing the right policy. To start with, study the various schemes that are available before zeroing on the one that gives maximum coverage at a minimal expense. This can be done only after extensive research and a lot of inquiries but it’s worth all the effort! You definitely don’t want to end up spending exorbitant money and gaining very less benefit in a hurry…

Internet is the best place to look for all the information about various insurance policies and schemes. An extensive internet search will show you thousands of companies that promise better schemes than others. However, take time to choose the right policy as it will affect your future safety. It is best to compare and contrast home insurance quotes from all major insurance companies before making any decision. There are many reputable insurance agents that make comparisons between various schemes and benefits offered by all major companies available online on their websites. Here you can get correct information and reliable home insurance quotes at one place to choose the best option within your budget.

All said and done, it is important to remember that rushing into things is not a wise thing. With quick and careless decision, chances are that you may miss out the best deal and vital coverage. So, be meticulous about the details and read your documents very carefully before going for a home insurance scheme.

If you can’t afford to spend so much time on research then you can entrust the job to a well known insurance agents. This is a great way of ensuring that you get best home insurance quotes in less time without having to go through the tedious task of reading and calculating. Good agents not only help you to choose the most profitable policy but also assist in filing the claim and getting reimbursement in case of any trouble.

Campbell Solberg Associates are one of the foremost and reputable insurance agents renowned for their economical, honest and genuine home insurance quotes. For more information on their services you can logon to their website http://www.campbellsolberg.com.

Back to the (Marriage) Future

The last real blog post here discussed wedding insurance. In the course of another research project, I came across an interesting letter from the Department of Insurance in Lansing, MI dated April 9, 1931. The letter discussed speculation in marriage futures.

You have submitted to this Department a Specimen of a Contract. . . which
certificate has the form of an insurance policy. . . .The object of the
corporation, as expressed in its articles, are 'to encourage marital relations
by aiding prospective candidates for matrimony, to provide funds therefor and to
enter into contracts in relationship to the same in the state of Michigan, and
elsewhere in the United States of America and the Dominion of Canada.'

You request an opinion from this Department as to whether the proposed
contract is an insurance policy and therefore subject to the jurisdiction of the Insurance Department.

The marriage speculation insurance appears to have been set up like a fraternal benefit society. Members paid in and then received funds for their wedding once they got married. Unlike Fraternals though, the marriage contracts didn't seem to meet the criteria of insurance.

The Michigan Division's letter goes on to describe the definition of insurance citing case law and Couch on Insurance. It also makes clear that marriage "insurance" is not new, there was a case in Alabama on marriage insurance which found such a contract void (in this case the contract paid more the longer you postponed your wedding). Similar cases had the same findings in Pennsylvania, Indiana and Maine.

If you are interested in seeing the letter in full, please feel free to contact the library. We also have some information on the history of fraternal benefit societies in general.

Falling Off the Wagon

Dear readers (if there are any left). I am so sorry I've failed to write for so long. There are lots of things currently in the works here at the library (stay tuned for updated information on the Insurance Professional of the Year Award Ceremony and an Education Fair!) and I got distracted from my commitment to keep this blog current.

Back when I made the commitment, I had said sometimes the blog posts would be light and merely mention some articles we found interesting. I should have at least kept up posting those light posts because when you stop blogging for awhile there's a pressure to come back with something big.

I have a post that was started back in May on wedding insurance, but other than that, I think we'll have to be content with light content. I promise something more researched by the end of summer though (any suggestions on areas of interest?).

As always, thank you for your continued support, of the library and this blog!

Choosing Auto Insurance Made Easy With Auto Insurance Quotes Online

Many people save for a number of years in order to afford a deposit for a vehicle. Buying a vehicle comes with a compulsory requirement of auto insurance. Auto insurance covers natural and manmade calamities such as lightening, floods, earthquakes, and also personal accidents. Technically, it provides protection against the physical damage caused and/or bodily injury resulting from traffic collisions and other unavoidable circumstances. If a vehicle’s auto insurance policy is not renewed, driving that vehicle becomes illegal. Also, unfortunately if the vehicle has an accident, one cannot ask insurance company to pay the claims. It is, therefore, important to have timely renewal of your auto insurance policy.

With a number of auto insurance companies vying for customer base in the market, finding the right policy with the right insurer is not an easy task. Finding out the right insurance policy fulfilling the requirement of being cost effective can be a time consuming process. In order to assist you in the endeavor of finding the right auto insurance for your vehicle, going for auto insurance quotes online is the right way out.

You are required to fill in the form available online with the sites providing the service. After submission of information, the insurance expert contacts you and provides you with the most competitive quotes. By means of these online quotes for your auto insurance, you can avail the quotes provided by various insurance providers under one roof which will help you pick up the one which suits you the best.

The premium of your auto insurance depends on a variety of factors including gender, age, classification of your vehicle, etc. It is therefore indispensible to fill in all the details correctly in the online form. Look for quotes and policies that offer you the coverage that falls within your budget. Also, when comparing the quotes, if possible, you should try to buy more coverage than you think you will need. You should examine policies scrupulously to inspect the full coverage. Be observant to understand agency’s restrictions. You can also determine the payment schedule that will work for you.

Your auto insurance gives you confidence to drive fearlessly. Also in case of emergencies, it acts like a boon. Comparing quotes and policies online today saves a lot of your time and sweat in search for an affordable and appropriate auto insurance policy.

CSA is one of the well known professional agencies that provides you with a wide variety of insurance information and auto insurance quotes online. For more information about them and various services offered by them you can logon to their website http://www.campbellsolberg.com.

Benefits Of Seeking Auto Insurance Quotes Online

There is no way of telling when an emergency can happen so it is best to be prepared for the unpredictable. That is why auto insurance is the need of every vehicle owner. Earlier, there was just one way to get auto insurance, that was to drive to different insurance companies to get the best possible quotes. Not only this process took a lot of time in making a choice but also it was a costly way to seek insurance. Furthermore, the search did not provide assurance of yielding the best results. Despite the effort, the probabilities of paying high interest rates and unsubstantial coverage were high. But now, Internet offers a better solution for your search for auto insurance. You can now avail a number of suitable quotes from various insurance companies while being seated in the convenience of your home or office.
There are many benefits of getting the auto insurance quotes online, some of them are as follows:

 You need not travel outside your home or office to search for the auto insurance quotes to make a selection.

 The long process of searching for insurance quotes will now take only a few minutes via this method.

 You will have a look at the cheap offers that you can take advantage of.

 It saves a lot of your travelling expenses spent on travelling from one insurance company to another.

 You would be able to seek a variety of options which you otherwise cannot avail despite your strenuous effort of traveling from one place to another.
In order to take advantage of availing these quotes, you need not have anything special. All you need is a computer and access to internet. You can easily search for firms offering this facility to get the insurance quote you want. By visiting their websites, you will be required to fill in a simple form asking for your information and probably vehicle description. After which you will get an e-mail from the provider to take things further.
You should be knowledgeable and clear about your insurance needs in order to yield the best possible results. If you combine the quotes you receive with a little bit of research about the insurance policies, you can find the best insurance policy for your vehicle.

CSA is one of the well known professional agencies that provides you with a wide variety of insurance information and auto insurance quotes online. For more information about them and various services offered by them you can logon to their website http://www.campbellsolberg.com.