Amica Insurance

Type of Insurance Company: Mutual

Name of Parent Company:
Amica Mutual Insurance Company

Insurance subsidiaries:
Amica Property & Casualty
Amica Lloyd's of Texas
Amica Life Insurance

Company Overview:

Company History: Amica has consistently won awards from J.D. Power and Associates for customer service and claims handling. In 2007, they are celebrating their 100th year of service to policy holders. Amica has a reputation for outstanding service.

Principal Methods: Amica is a direct writer of auto, home and life insurance products. They are organized into regional offices spread thru out the United States.

American Automobile Association

Type of Insurance Company: stock company

Name of Parent Company:
American Automobile Association

Insurance subsidiaries:
AAA Mid Atlantic Insurance Co.
AAA Texas County Mutual Insur. Co.
AAA Texas County Mutual Insur. Co. of N.J.

Company Overview:

Company History: Company organized in the early 90's and is focused on PA and NJ where it has 80% of its business. It derives much of its success, impact and name recognition from its affiliation with the nationally famous Automobile Association of America. The AAA is divided into regions and The Mid Atlantic region sponsors this company.

Principal Methods: AAA sales agents

Auto Business: Coverage available to AAA members only. Broad range of Auto coverage including "full coverage auto," personal accident, inland marine, fire and extended coverage, and homeowners

Homeowners Business: Most business is at standard or preferred rates and includes fire and extended coverage.

Special Business: Inland marine business insures pleasure boats.

California Casualty

Type of Insurance Company: Mutual

Insurance subsidiaries:
California Casualty Indemnity Exchange
California Casualty & Fire Insurance Company
California Casualty General Insurance Company of Oregon





Company Overview:

Company History: Founded 1914; still run by founding family.

Principal Methods: Career agents; Internet inquiry

Auto Business: California Casualty specializes in insuring members of Associations. Special rates for educators and public safety professionals, with flexible payment plans.

Homeowners Business: California Casualty specializes in insuring members of Associations. Special rates for educators and public safety professionals, with flexible payment plans.

New York Life Insurance

Type of Insurance Company: Mutual

Insurance subsidiaries:
New York Life Insurance and Annuity Corp.

Company Overview:

Company History: Founded 1845, New York Life's capital position is among the strongest in the financial services industry.

New York Life is the largest mutual life insurance company in the United States in terms of 2006 revenues. Unlike several other large mutual life insurers, New York Life has not changed to stockholder ownership and has continued to focus on traditional life insurance and annuity products through the parent company and several subsidiaries. New York Life was incorporated in 1841, began business in 1845 and adopted the present name in 1849.

New York Life offers certain products through AARP and other distribution channels, but primarily New York
Life’s marketing and sales efforts take place via its career agency force, which is one of the most productive agency forces in the industry. New York Life’s 7,500 person agency force has long led the industry with the largest number of U.S. agents achieving membership in the Million Dollar Round Table (MDRT), the organization for highly productive life insurance sales agents. About one of every six MDRT agents in the United States is with New York Life and about one-third of New York Life agents are MDRT members. The average life insurance policy sold by New York Life in 2005 was for about $250,000 of insurance. In addition to traditional life insurance and annuity products, New York Life sells variable life and annuity products, interest rate sensitive products, single and flexible premium fixed and variable annuities, universal and variable life, Corporate Owned Life Insurance (COLI) and Bank Owned Life Insurance (BOLI). COLI and BOLI sales are mostly through brokers and sales of annuities through banks have been increasing. Other products include mutual fund sales to individuals, investment management services to institutional investors, long term care insurance and other products sold through affinity groups and professional associations. In 2005, New York Life sold about 7% of the country’s ordinary life insurance. In 2005, about 24% of New York Life’s direct premium came from New York, Delaware (11.4%), New Jersey (7.8%), California (5.0%) and Massachusetts (4.9%).

New York Life’s international business is active in Hong Kong, China, Mexico, Argentina, South Korea, the Philippines, Thailand, India and Taiwan. International sales now represent approximately 26% of all insurance sales.

New York Life Insurance Company earns top marks for financial
strength from all the major independent rating agencies – including the
highest possible rating from Moody’s Investors Service, Fitch Ratings
and A.M. Best.

Principal Methods: Career agents.

New York Life offers certain products through AARP and other distribution channels, but primarily New York
Life’s marketing and sales efforts take place via its career agency force, which is one of the most productive agency forces in the industry. New York Life’s 7,500 person agency force has long led the industry with the largest number of U.S. agents achieving membership in the Million Dollar Round Table (MDRT), the organization for highly productive life insurance sales agents. About one of every six MDRT agents in the United States is with New York Life and about one-third of New York Life agents are MDRT members. The average life insurance policy sold by New York Life in 2005 was for about $250,000 of insurance. In addition to traditional life insurance and annuity products, New York Life sells variable life and annuity products, interest rate sensitive products, single and flexible premium fixed and variable annuities, universal and variable life, Corporate Owned Life Insurance (COLI) and Bank Owned Life Insurance (BOLI). COLI and BOLI sales are mostly through brokers and sales of annuities through banks have been increasing. Other products include mutual fund sales to individuals, investment management services to institutional investors, long term care insurance and other products sold through affinity groups and professional associations. In 2005, New York Life sold about 7% of the country’s ordinary life insurance. In 2005, about 24% of New York Life’s direct premium came from New York, Delaware (11.4%), New Jersey (7.8%), California (5.0%) and Massachusetts (4.9%).

Life Annuity Business: New York Life offers a broad spectrum of Life and Annuity coverages to individuals and companies nationwide.

The average life insurance policy sold by New York Life in 2005 was for about $250,000 of insurance. In addition to traditional life insurance and annuity products, New York Life sells variable life and annuity products, interest rate sensitive products, single and flexible premium fixed and variable annuities, universal and variable life, Corporate Owned Life Insurance (COLI) and Bank Owned Life Insurance (BOLI). COLI and BOLI sales are mostly through brokers and sales of annuities through banks have been increasing. Other products include mutual fund sales to individuals, investment management services to institutional investors, long term care insurance and other products sold through affinity groups and professional associations. In 2005, New York Life sold about 7% of the country’s ordinary life insurance. In 2005, about 24% of New York Life’s direct premium came from New York, Delaware (11.4%), New Jersey (7.8%), California (5.0%) and Massachusetts (4.9%).

Safeco

Type of Insurance Company: Stock

Name of Parent Company:
Safeco Corporation

Insurance subsidiaries:
Safeco Property & Casualty Insurance
Safeco Surety

Company Overview:

Company History: We focus on providing the insurance products that matter most to consumers – auto, homeowners and small-business policies. Our business helps people protect what they value and deal with the unexpected.

At Safeco, we are intent on offering the best mix of insurance coverages and pricing, and fulfilling the promise of our products when a loss occurs. Our most visible product is the personalized service and support we provide when a customer files a claim – whether it’s a fender-bender or the loss of a home. We have a history of thoughtful claims resolution, and we have earned a reputation for fairness that we work hard to uphold every day.

We sell our products exclusively through a national network of independent agents and brokers who give consumers choice and advice. Our mission is to make the experience of buying, selling and owning insurance easier than anyone else. We do that by delivering our products over a Web-based sales-and-service platform that enables our distribution partners to quote and issue an insurance policy or surety bond in a matter of minutes.Safeco provides insurance for individuals and for small- and mid-sized businesses. We offer a wide array of property and casualty insurance products, including personal auto and home as well as coverage for small- and mid-sized businesses, and surety bonds. We sell our products through a national network of agents and brokers. Our business helps people protect what they value and deal with the unexpected.

Safeco was established in 1923. Today Safeco has over 9,000 employees and revenues over 6.2 billion with 4.3 million personal and business customers nationwide. Safeco is represented by 9,000 independent agents and brokers

Principal Methods: Safeco is represented by more than 9,000 independent agents and brokers.

Auto Business: Safeco was ranked 18th for All property and casualty lines, 13th in All Personal Lines (Auto & Homeowners), 13th in Private Passenger Auto for Direct Premiums Written by A.M. Best in 2004

Homeowners Business: Safeco was ranked 12th in Homeowners Direct Premiums written by A.M. Best in 2004

Special Business: Safeco provides RV, Boat, Motorhome, and other types of specialty products in some states

Direct line

INTRODUCTION
What kind of insurance could have a guy like me? Virtual insurance of course!
But I assure you that scared me to death the idea of having to report an accident to the direct line!
Read reviews of other members of hello (and had an accident) I was preparing for the worst but instead everything went smoothly ... I even anticipated the practices by mail, then send the originals via RR, and I solved it all with one phone call! And the compensation is only a matter of days.
Unbelievable but true!

Oh well I had the same reason I still have to report the fact that I had to change my opinion on the direct line!
In fact, all admit the convenience of the business all but extremely difficult to admit inteloquire with this company but to me it was fine.

A good preparation of the necessary documents and some pictures of the incident have greatly speeded up the practice.
Here's why this opinion: "What to do in case of small indicenti"

and in this case is the only opinion that ... I hope there is not very useful!
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WHAT TO DO IN AN ACCIDENT!
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FIRST RULE: THERE 'A STEP!

Before everything WARNING! Do not go out of the car immediately after you if you do not look around.
Controversial Report and others. In case of danger, however slight (or a curve, however, reduced visibility) for the very first thing we must make it clear that the road is occupied by an obstacle.
The recent Life jackets are certainly not reflective clothing sexy but makes it more conspicuous especially at night. Also if necessary you can "not conventionally" use it as a flag agitantolo dramatically up and down (a person with a quiet Life jackets go unnoticed but crazy shaking stuff that jumps off the foot reflector ago dall'accelleratore!)
Without further joking remember to put yourselves in safety before reporting the danger to others.
Averted the possibility of further involvement can assess the seriousness of the situation.
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(SECOND PREMISE: today (September 3, 2004) have blossomed the car, a woman with two children I crossed the road, fortunately that day I was stoned as usual and rapid steering avoided the worst, just in a more pelettino instead of the sides was a front!
The sheet of twingo lady opened like a can of tuna I was impressed that she managed to open the door.
Even though my heart was pounding now clear that no one was hurt, but the lady had stopped in the middle of a curve and at that point people will be heavy.
I believe God has helped the family at least twice more before we could stop the traffic, think so also the two truck drivers Moroccan blond now avoided by a hair after the car on the curve.

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WHAT TO DO IN AN AGREEMENT
in the case are clear right and wrong you just have to exchange all the necessary data even better than directly on the realization that accelerates all friendly accident insurance practices.
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CID REQUIRED AS THE BELT
Neither I nor the lady had the CID (not even the three who had stopped later) that loser!
Then magically materialized one who knew the word and pulled out a museum I was sorry to use such a piece of history ... at least I had a list of documents needed in these cases.
________________________________________________
LIST OF DOCUMENTS REQUIRED AND WRITE WHAT:

1) Insurance Policy
expiry date, number and name of the company that issued the policy
the agency also identified the number c
in the absence of insurance you have only one thing left: 113.
2) Driver's Licence
than to note the data and check validity of residence (driver's license expire), number and issuing institution and the suitability to drive the vehicle involved in the accident
you should also take details of

3) Registration Certificate
In order to verify that the vehicle can move but also to record model, license plate and owner of the car.
4) list of visible damage on both cars

5) reliable identification of the place and time of the accident
6) the names of any testimonied any details.

7) Authority may intervene (Command membership)
8) A brief statement about who countersigned assumes resonsabilità is written in a minute and avoid second thoughts the next day.
The form is as follows: I, the undersigned guy caio I take responsibility for the incident had with Harry Smith on tot. date and signature.
very fast and also has legal value.

Once back home, however, a CID procurateti controfirmatelo and fill ... is important, it would still make your insurance at the time of the complaint.
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WHAT TO DO IN CASE OF DISAGREEMENT
Many people tend to demonstrate that they are more attached to their car that their lives ...
Having an accident is already an unpleasant thing let alone meet a person who wants to turn over dumb and dishonest the omelette in his favor.
FOREVER!! Okki THE PLATE FOREVER!!
A dishonest person can not stop or back into the car at all, were attentive to the plate, color and model of the car, then immediately read it without thinking twice.

DO NOT MOVE THE MEDIA
Never in a hurry to move the cars crashed, a Swiss who is well known that once moved the means are not possible the findings of police after which it becomes more difficult to prove its case.
If you own the police can intervene nn revenue in the first bar to buy a disposable camera.
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DO NOT MISS THE CALM
Never lose your temper ... in the event of an accident are subject to a duel shots crick, but we must avoid unnecessary debates with these people there is only one language to call the police.
The same rule of not moving the way before the photos (a disposable device costs € 4.50) buy it and throw it into the dashboard of your car ...
If you really see that things are just impossible, and the partners seek to raise their hands immediately write down the license plate and head at the first police station,
113 operators must record all incoming calls, something goes wrong will not have to go back to yours.

Genialloyd

Like all I think I was a little 'concerned the idea of committing myself to a telephone company to come online, but by the conclusion of the contract I was impressed by their efficiency.
1) All is done via phone, fax or internet (very convenient for those who spend all week in the office. Even my bank are online for the same reason).

2) They have a toll free number, so communicate with them costs nothing.
3) They are very informative and clear: to make sure the procedure is straightforward and can be summarized briefly:
· We do make an estimate (by phone or at their website).
· The accept (same channel).
· They send you in a few minutes the instructions (form to fill out, documents circulation (libretto) and identity to be attached, procedures and terms of payment).
· It pays (very comfortable and secure by credit card, but there is also the bank and the postal order) and return it via fax to the swag of documents. From this moment you are covered and come SMS in real time to your mobile phone to confirm it.
• To arrive by priority mail then home of the original documents (mark, green card, information on the policy manual and the original contract in duplicate, one to be returned with signed and stamped envelope already attached).

4) There is clear: the information manual contains all the policy conditions, well written in clear and unambiguous.
5) I am competent. In these 3 years of relationship with them I bought 2 cars, transferring from car to car insurance that many times my wife and myself in one case. The other car then and Joint account between me and my father, which led to further twists and turns that I'm there to explain. Everything was done with the utmost professionalism and order in both cases: no obstacle, no phone calls longer than necessary.

6) For the renewal there are no recommendations to be sent. Simply put, the relationship ceases. One month after the end you send it along with the elusive proof of risk to the budget in case you want to continue with them for the following year. If you like, you acknowledge and refer their new documents, otherwise we salute you and you are free. This is the traditional airlines have always been very careful not to do so.
7) If you happen ... there are. My father had an accident with his car (insured with them). The phone has always had an operator on the current state of the practice because all neatly recorded in their database, and in less than a month has closed the matter.

One of the most interesting, honestly one of most interest to everyone, however, is the cost of the policy, much lower than the traditional airlines and very competitive compared with other online companies. In the shift from Catholic to Genialloyd I saved between 20% and 25% according to the latest estimates I asked, more out of curiosity than real interest, Genertel, Linear and Unipol confirm that at least a 5% reduction in c ' is.
This is definitely a good company, behind which there is RAS (if this means anything, of course. The distrust of insurance companies is a must).
I noticed, however, that convenience is there but not for everyone. Estimates for young people (under 23 years) or living in high risk sites are in no way competitive. It 'clear the company's goal to keep in the portfolio mature motorists especially living in quiet areas, and this in order to keep low the probability of accidents. I do not know whether it is correct or not. I've chosen because it represents the best for me and for my needs and characteristics. I think everyone should get their accounts 4.

Axa

I bought a Fiat 600, my first car after using the family car for years.
Since I do not ride, I always try to save money and so I decided to go for insurance online.
After all quotes online insurance sites, I chose Quixa for three reasons (in order of importance):
1. E 'ONLINE INSURANCE ALWAYS TALK BUT WITH THE SAME PERSON AND NOT A CALL CENTER.
2. It 'the only insurance that allows you to make insurance for the crystals, the weather and vandalism separately from fire and theft (I had a car I have ever done outside the top three, but having a car instead " unlucky "to theft and fire seemed excessive and unnecessary spending).
3. Was that it was cheaper for my car model.
The payment is the half-yearly and can be made by credit card or bank (the solution I chose). After sending the online payment screen, I have sent the draft list and then cutting all the documentation to be delivered to finalize the bill (I inherited the class of risk by the family to the Bersani decree and had to send all documents).

This year I redid a lot 'but their estimates (which was granted as existing customers) was still the cheapest. The icing on the cake renewing the bill they gave me 25 euro voucher to spend at Feltrinelli bookshops. A very welcome surprise!
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Above is my first experience, now let's move allen painful notes.
In February 2010 I suffered an accident in which I had total right: they were timely in explaining what to do by phone and send me carroattrezzi but I had several problems in maintaining contact with my staff and consultant to figure out what I should do and who should contact to advance the practice of my left (between Quixa, expert, workshop, etc.).. All calls are due from me, no one has ever made me feel practical to update you on my left.
Before the expert come out to look at my car accidents in the past 8 days and between bureaucracies and waiting times I had to wait a month to get my car fixed (the car give you the replacement only for the days beyond repair bureaucratic time, that is only 5 / 7 days. In short, I had to do without a car for a month).
I've had to anticipate the sum of € 3575 damage and then retrieve them a month later: You have no idea what this means for an employee ??!!???
Plus my personal advisor was often impossible to contact and when I made him out was a bit 'rude.

With insurance online now and save, but if you have an accident ready to die like this.

Zurich Connect

Being tired of paying € 1200 a year of insurance, I decided to take a trip online insurance affordable, but also through the association of consumers that has helped me a lot in my choice, it has an agreement with the Zuritel 'Consumers' Association, and discounts are already insured.
We start from the beginning.
From the website of the consumer do I send the estimate of 5 insurance more affordable, and the first is just the Zuritel at this point I go to the website of Zuritel and I quote for my car.
The price is staggering, 523 € per year, including the validity of the green card or even abroad.

Contact the toll free number 848833888 and talking of wanting to make an estimate, follow me in all the data and ask me what I wanted to join the Convention, at this point thinking of wanting to associate with those of the association of consumers, but at this very I honestly say, but I see that you are belonging to the Armed Forces, the armed forces are also associated, if we want to do a budget with both, I can not refuse this proposal, I like the quote is changed from 523 € to 507 € per year.
Confirm the quote and I do send all the documents via e-mail.
A few minutes later I get the documentation and the list of documents to prepare for the conclusion of the contract.
The documents that are required are:

- Photocopy of proof of membership in the Convention, in my case a copy of military identification card;
- Copy of prior well-reviewed and signed
- Copy front and back of the vehicle registration

- Front and back copy of the certified risk
- Documentation relating to the payment when paying by credit card such documentation is not required

- A copy of the tax code
- Certificate of residence issued directly by the municipality, do not accept self-certifications.

Subsequently, I have prepared everything, and I sent all the documentation at documenti@zuritel.it, but the documentation can also be sent to the following fax number 199.11.00.99.
When documents are received, the contractor is notified by text message for the certification is with respect to the payment.

I again contacted toll-free, we reviewed all the documentation, which was fine, I gave credit card details and are currently awaiting the arrival of the array of insurance.
In short this is one of the best online insurance currently known, both in terms of professionalism, both in terms of convenience.

In one day I managed to complete all the bureaucratic process for the completion of the contract.
Of course you can see all your information at the site of zurite after reviewing the record and thus your insurance position.

Probably depending on the type of work that takes place not everyone agrees with this I mean that by putting my own data and choosing work in the worker, the price of insurance varied a lot, if I remember correctly more than 200 €, but still a lower price than the one I have now and fortunately I will not have in 20 days.
Take a tour, maybe find some 'savings.

Reale mutua

Are provided by Royal Mutual Insurance to 7 years. Every year I looked around (on the Internet and agencies) to assess the cost of the guarantees it had written. I'm young and I have the car registered to me for these reasons on the Internet I found nothing short of embarrassing situations: even with only prize € 1000 RCA differences between various estimates. Then there were those who put me on an allowance of damages caused only because I had less than 26 years, others who asked me if I used the car only for business because it could claim damages if not I used to work .... etc! ! Luckily my consultant was very honest from the start.He did not like many others, said that prices were actually on the Internet even more advantageous than what he offered me his company (ie the real), but if I had taken the preventive and conditions of the policies of other companies undertake to review this with me and got me the pros and cons.Well, I finally found him with only two companies actually cheaper: one was the Banca Popolare di Bergamo in my province that does not exist .... and the other was another company I had changed my zona.Se saved certainly about 150 € per year ... but I found elsewhere a sincere person, and so available? I think it is not easy today, so I spoke to him frankly and I have re-signed checks each year around the end of each year .... but he can make me a little off from last year and I'm already so happy! Then in the meantime I have already had 2 no-fault claims, and in both cases, my adviser told me what to do to get money quickly: in just 10 days I had my money (the first accident of 2700 was € and the second € 3800).In the end I believe that online and telephone companies, at least for now, are still far behind the traditional ones: I have not even found a company that really was cheaper than Reale Mutua! And also if one is not careful what you subscribe to is likely to take it in that place!!

Dialogo

DIALOGUE IN GENERAL INSURANCE




Insurance dialogue is part of Fondiaria-SAI who calls himself "machine". Come le altre assicurazioni “dirette” non si avvale di una serie di agenzie e di operatori dislocati sul territorio nazionale, ma ha un'unica sede ed emette polizze contattando direttamente i clienti finali. Like other insurance, "direct" does not make use of a range of agencies and professionals throughout the country, but has one location and issue policies directly with end customers. Il suo punto di forza, come appare nella loro stessa pubblicità, è il basso costo delle polizze RCA soprattutto per le donne. His strong point, as it appears in their own advertising, is the low cost of RCA policies especially for women. Il loro primo spot è “Donna al volante, premio calante”. Their first spot is "Women at the wheel, premium waning."
From the website (www.dialogo.it, the site has been completely renovated a few days) you can get quotes of the only RC car from a link that will open the site of the Fondiaria-SAI. E 'can only save the estimate obtained, but the contract is necessary to refine call via the toll-free number, the Call Center.
And 'natural, as all companies and particularly those online and telephone privileges some profiles being less "risky".  Even with dialogue we will get quotes to have considerably "plus" if we are very young (under 26 years for women and 30 years for men) or if we want to cover with no excess for drivers who have not yet turned 25.  Those who sign a new contract (maybe in 14 first class ...) or who resides in a "danger zone" (many areas of Southern or the big cities), or those who walk many miles each year, we all feel a significant difference in the offer.
They are secured with Dialogue from 2 years and I have chosen mainly because of performance / price ratio.


ADVANTAGES

1) If you are not a risk profile is likely to get a very low cost of the policy, especially if the holder of the policy is a woman (as in the case of my wife).
2) The delivery of the Call Center is a TOLL FREE: it's free and very personal opionion, usually do not have to wait for minutes with palliative piece of music on hold for an operator to respond.
2) From the moment you faxed the documents required when you receive the policy for the past few days PRIORITY MAIL.
3) A month before the expiry of the policy will receive the proposed renewal and certificate of RISK.
 4) is not provided for automatic renewal: you are free to choose whether to renew or switch to another company without notice.
5) At the time of the renewal offer lower rates to existing customers
 6) A few days ago the site has undergone a dramatic facelift Dialogue positive.Finally he presents in a professional manner, even if it is not yet fully independent (see the estimates coming from the parent site of Fondiaria-SAI). At least one image change appreciably, the first time I saw the site of dialogue, two years ago, I immediately thought they were a "small company" because the site was very spartan and mediocre ...
 7) The company advertises the group membership Fondiaria-SAI to send the message: "We are well covered because we are part of the 3rd Italian group in the field of life insurance RCA.
8) If you are tired go to the agency do not worry: you do not need to move house. B Just call the free call center (by the way is the only channel of communication between you and Dialogue).


DISADVANTAGES

1) Sometimes the estimates obtained from the Internet are not fully aligned with those required in the Call Center.
2) Since August of this year have done a fare increase bleeding from RC-cars: I have experienced on average by 20% to 30% from last year!Of course, considering it had no down left and down a class Bonus Malus. I asked the rough to a Call Center: "E 'depended on the statistics of risk on my local area?" - "No, we simply increased the rates." A 'mere' 30% increase in inflation in the face of the beautiful country!
3) Beware of recourse to the clause: if all the uninsured are covered only if you have at least 25 years and the license for two years.  Otherwise, the exemption provides, in the event of a claim against, the payment of 100% of the damage up to € 516.46 or 50% up to € 2,582.28.
4) If you wish to purchase with credit card holder can only do so if the holder of the bill has a card in your name.
5) If you have the habit of checking the credentials of a company before relying on it surely will not escape these details: Dialogue is a very young company and its capital (just under € 9 million) will not help you sleep quiet ....
6) If you love the "human touch" to consider that physical MISSING THE AGENCIES.