Apple Computer has become such a phenomenon that the “computer” part of the name is no longer necessary. Everyone knows who you are talking about when you say “Apple is awesome.” In fact, for many people the first thing that comes to mind when they hear the word “apple” is a sleek technological product. The noble apple fruit has been pushed into the background. There is no question Apple makes incredible, game-changing products. The real game changer would be if Apple sold car insurance. It might seem strange at first glance, but below are the reasons why I wish Apple sold car insurance.
The worst car insurance companies have poor customer service. If Apple sold car insurance, the customer service would never be poor. It would be the height of politeness and friendliness. I called Apple when my laptop computer broke, and the representatives who helped me were the most courteous and professional representatives I had ever spoken with. They took the extra time to make sure I really understood what they were talking about. They also told me about great price deals that I was unaware of. Apple representatives are also experts in every aspect of Apple products, and if they offered car insurance I am sure it would be no different. Customers also rarely have to wait on hold when they call Apple. In the event they do, they usually do not have to wait for very long.
Apple’s insurance assistance by phone would be great, but I would probably never have a need to call it. The Apple car insurance app would be out of this world. I can only imagine how easy and intuitive it would be to report an accident or make a claim on my iPhone. The app would undoubtedly make the experience a breeze. Such an app would go a long way in reducing the stress of car trouble. I wouldn’t have to fill out long forms and mail them by snail mail. The app would make my life easier, just like every other thing that Apple does.
I haven’t even gotten to the best part yet. The best part is that if Apple sold car insurance it would probably mean that Apple was selling cars too. A car designed by Apple would be a sleek technological feat. I am sure the limits of my imagination do not even come close to what Apple would create. Apple’s cars would be ingenious inventions of epic proportions. I wonder if Apple cars would fly. Maybe they would transform into boats. One thing that is certain is that they would look good. They would have clean lines and a minimalistic beauty. They would also probably be quiet, clean, and good for the environment. Of course they would also have ports for every available Apple product. Owners would be able to plug in their iPhones, iPads, and iPods while driving. Apple might also build in a TV system that would blow the competition out of the water. I cannot wait for an Apple car. I just hope that Apple offers more color options than just white, gray, and black.
Apple isn’t limited by traditional barriers. Its products smash barriers and reach for the sky. Perhaps Apple would revolutionize car insurance into something unexpected and better for everyone.
How sure are you about the prices you pay on car insurance? Are they too high? Or are you paying what is considered a typical rate? While British Columbia, Manitoba, Quebec, and Saskatchewan currently provide a public automotive insurance program, the rest of Canada provides this through private organizations.
Everybody is required by Canadian law to have a minimum car insurance policy. The minimum, however, is varied among all provinces, as they dictate what is a mandatory insurance requirement, and what is optional to the consumers that want an increased level of coverage on their car. Besides Newfoundland and Labrador, accident benefits coverage is required by law.
The cost of insurance can vary from province to province due to each one having certain requirements, however it is possible, and likely, that you can end up paying approximately $1,000 or more annually to pay for this insurance. If you’re thinking about selling a car in order to purchase a new one, take into account the impact this decision can potentially have on your insurance rates. Obviously a newer car is going to bring a higher rate of insurance for the client.
Some people are preferential to purchasing an increased level of coverage, while others would rather stick to the bare minimum. There is at least some form of a no fault insurance policy available to all residents of Canada, regardless of which province you currently reside in.
Along with purchasing optional policies having an impact on how much you currently spend on your insurance, several car insurance companies provide different discounts and deductions you can get through a variety of means and methods. Some of such discounts are included for safe driving habits, where you will get a lowering of your rates by driving an extended period of time without any accidents. Other agencies may provide discounts or deductions if your kid passes a driver education course. Oftentimes you can purchase a bundled insurance package for a reduced rate, which can include insurance on your home along with your automobile’s policy. There are several other discounts you may or may not be eligible for, but there is almost certainly at least a few of these methods you can apply in your own situation.
Insurance rates are moderately high in Canada due to certain requirements and regulations, but there are many ways to bring those rates down for yourself. Shopping around is a vital method in order to find the best overall rates and coverage.
Recently released reports revealed that drivers in New Brunswick were swindled out of hundreds of millions in overages charged for insurance premiums from 2003 to 2008.
Paula Elliot made an appearance before the New Brunswick Insurance Board presenting documentation that suggests drivers overpaid almost $500 million for car insurance during the five-year span. Without coincidence, the Insurance Board had prepared a similar report confirming the overpayment that was already scheduled to be released the day following Elliot’s presentation.
Documentation illustrated a higher pre-tax profit for insurance companies from 2003 to 2007. Profits from New Brunswick during that time period should have hovered around $165 million, instead insurance companies had a pre-tax profit calculated at about $610 million. The excessive payments broken down over a five-year period, means that for each car insured payments were more than a thousand dollars over.
The overages charged to consumers for car insurance could have been a result of partisan appointments according to Liberals, New Brunswick’s opposition. Liberals are placing blame on the Conservative appointee who heads up the New Brunswick Insurance Board.
The board was established in 2005 as a watchdog for consumers over automotive insurance companies. The leader of the opposition, Victor Boudreau, demanded to know in a statement, “When is this government going to stand up in the best interests of those rate payers?” Additional demands by the opposition included the government making much needed changes to the Board, which could include the ousting of the Board’s Chair Paul d’Astous.
No mention has been made of whether a refund will be issued to consumers who owned insurance policies during that period. Most likely, refunds will find their way into the hands of consumers in a lump sum, but they may see a huge reduction in insurance rates in the months and years to come. Rate applications by insurance companies are now being reviewed and at least one, Dominion of Canada General Insurance, made an appearance in the Court of Appeal over rates.
Every year, when your auto insurance policy is about to expire, it is highly advised that you start looking for a better deal. Insurance rates change every year, and even if you policy does not go up, others might go down. This means it is always worth shopping around to see if you can save some money.
While you are shopping around for insurance, it is a good idea to check not only the price, but the level of customer service. Give them a call to test out the quality of their customer service before you sign up for anything. If they don’t meet your upfront expectations, there is a good chance that they will be less than satisfactory later on.
Check to see which Canadian companies will offer you the best discounts. Not all of them will be as generous to you if you have been a good driver as others. By the same token, some will be more forgiving than others as well. When shopping around, consider how your driving history affects the rates.
Of course, you want to be absolutely sure that the insurance company is financially stable enough to actually offer you compensation in the case that a claim is filed. You will want to check with rating organizations in order to ensure that there are no problems in this area.
Make sure that you have all of your information ready before you start working with a company as well, as this expedites the process.
Ontario auto insurers have recently been investigating a growing number of reports of staged car accidents, opening cases on at least 10 in the past two months. While they cite that these faked accidents raise rates for honest customers, they are also using the frauds as an excuse to lower benefits for those same customers. Medical and rehabilitation coverage minimums were lowered from $100,000 to $50,000, which many medical professionals say is inadequate to cover most of the quite expensive injuries that spawn from many car accidents.
One definite caveat: Usually these auto insurance frauds include only involved parties. But lately, by the accounts of motorists and the investigating parties, the fraudsters are including innocent, unsuspecting drivers to make the accidents seem more real.
Government officials are said to be taking the matter under advisement, but have so far taken no action aside from meeting with the investigating insurance companies.
Concerned citizens should push their government officials to take the matter into the public forum, because investigations of automobile fraud by the automobile insurance companies will not turn out good for honest citizens,m no matter what they find. If they are allowed to investigate and implement solutions unsupervised, the result will be larger profits for them and larger premiums for you, bottom line. And don’t think for a minute the problem is localized. Insurance companies can use fraud in one province to raise rates in general. Make sure your officials are taking this issue seriously!
Within just the last two years, a new trend has been developing in the U.S. car insurance industry that may be a sign of things to come here in Canada. Known as “pay as you go” insurance or “pay by the mile” insurance, a small but rapidly growing number of insurance companies are beginning to offer a new form of automotive insurance that is priced base according to the frequency and distance that a driver operates their vehicle. The concept is based on the idea that drivers who drive less should be able to pay less for their insurance coverage, and the premise is quickly catching on in the United States amongst people like retirees and city dwellers who drive much less frequently than most drivers. Let’s take an inside look at the basic pros and cons of such a program being adopted in Canada.
On the one hand, a pay as you go car insurance program would seem likely to save many citizens a substantial amount of money on their annual car insurance while promoting environmental sustainability by encouraging car owners to drive less. It seems only natural that individuals who spend less time on the road present a much lower risk to insurance companies, and companies that are able to pass on some of these savings to their customers should be allowed to take advantage of an under-served portion of the market. At the same time, the pay as you go option provides an excellent incentive for drivers to spend less time on the roads at a portion in our nation’s history when we are beginning to change our perspective on energy consumption and carbon emissions.
On the other hand, there are a couple of possible negative consequences of adopting a pay as you go car insurance program that need to be taken into the equation. Many Canadians are forced to spend a considerable amount of time in their cars in order to meet their personal and professional obligations, and we need to discuss whether a pay as you go car insurance option would end up penalizing the most productive members of our society simply for being busy. More importantly, the concept of the pay as you go car insurance option is relatively new, and it is unclear whether the companies that offer this type of coverage will actually have the ability to provide comprehensive coverage for severe automotive accidents.
Its no doubt that everyone driving a car needs an auto insurance policy. It is also mandatory that your insurance policy cover for your vehicle before you drive it. Driving without a valid insurance coverage can get one in big legal hot water.
What About The Car Insurance Quote We Get?
You have a lot good reasons to compare car insurance quotes, as people want to save money on their insurance and this forms their main reason for comparing rates from different auto insurance providers. The business history of the insurance company in the past year and where you live and park your car at night will affect the quotes you get eventually.
Here are some useful tips that if applied correctly should help you reduce your car insurance premiums .
You probably know by now that your drivers abstract is important when it comes to reducing on your car insurance rates. Insurance companies look at what your driving history states. This helps them to understand their risk level in insuring you. The more tickets you have for bad driving, the more your premiums will cost. Insurance companies use these records for their risk analysis. Another important point is the car you plan to insure. Sport cars attract higher rates than the slower ones; this is because they are seen as accident-prone since they are often driven quicker. Their risks are high and so are their rates from the insurance companies.
Some auto insurance providers who paid out much money on claims the previous year may likely increase their rates in the current year; some others whose claims were not much may be more liberal. You will now understand why you get varying rates from different providers. The place where you park your car is very important. If you park outside, on the roadside and the area is noted for crime and vandalism, you will get high rates.
Learn how to make deductibles work for you. The more the deductibles the lower the rates you pay and vice versa. This will help you plan how to effective manage your repayments considering your income. How old is your car? The older and cheaper the vehicle gets, the more coverage options that should be removed. Learn to talk with the representatives of the company you are working with and use every discount facility they offer. This is true because they consider certain factors like where you work or if you are a student.etc Note that students get reduced rates from many auto insurance companies. Also there is what is called a multi-product discount; if you have need for other insurance coverage policies or you have some active already with the same company then you should opt for this option.
Your personal credit history is important. Work on improving your records if they are not good. It has been noted that poor credit clients make more claims so insurance companies look at credit scores more seriously now.
It becomes very important that you get rates from many car insurance companies and compare them. This will help you know the policy package that is mild on your budget.
It’s easy to find a good guide on life insurance basics with the sort of life insurance advice that you need before you approach an agent, to make sure you have an idea of what is right for you beforehand.
The worst car insurance companies have poor customer service. If Apple sold car insurance, the customer service would never be poor. It would be the height of politeness and friendliness. I called Apple when my laptop computer broke, and the representatives who helped me were the most courteous and professional representatives I had ever spoken with. They took the extra time to make sure I really understood what they were talking about. They also told me about great price deals that I was unaware of. Apple representatives are also experts in every aspect of Apple products, and if they offered car insurance I am sure it would be no different. Customers also rarely have to wait on hold when they call Apple. In the event they do, they usually do not have to wait for very long.