A State's Car Insurance Regulations

As with every state, relating to vehicle, AZ car insurance is mandatory. There is a choice, you can have a regular insurance policy, a bond, certificate of deposit or cash in the amount of $ 40,000. All must be registered with the Department of Motor Vehicles.

Arizona requirements are 15/30/10 regarding liability. That is $ 15,000 for one person's bodyily injury, $ 30,000 for two or more and $ 10,000 property damage. With today's high medical and replacement or repair of a vehicle costs, it is obvious that this is not enough to cover a serious accident. Therefore, it is your best interest to have more coverage than required.

Law requires this insurance coverage to be obtained from a company that is authorized to do business in the state. In addition, this liability insurance includes golf carts, motorcycles and mopeds. Prices on the premiums depend on a statewide pool of automobile accidents and insurance company losses that they had to pay to settle claims.

It is possible to lower the cost of your insurance through a variety of discounts available. They include a good driving discount and combining auto insurance with homeowner insurance. Others are having more than one vehicle, good student, nonsmokers and passive restraint (air bags or seat belts). Having higher deductibles also lowers the premium.

As a rule, traveling out of state your insurance coverage is valid. However, you should be aware that if you travel to Mexico you must have a separate liability coverage from a Mexican insurer. If going within 25-50 miles of the border the Arizona insurance may have some limited coverage but does not meet Mexico requirements. If you are in an accident, while in Mexico, you could wind up with a heavy fine and possibly spending some time in their jail.

Each insurance company is required to report to the state when someone lets their insurance policy lapse, this suspends the registration and license. Of course, anyone caught driving without the insurance incurs fines and, if this happens a number of times can lose the car. If your vehicle is inoperable or is in storage for a time it is possible to get the insurance. This form is filed with the state informing them that the vehicle will not be driven on the highway so does not need insurance. This is stated in your license registration record.

In driving on any highway, in any country, it is the responsibility of the car's owner to have insurance for liability in case there is an accident and someone is injured. AZ car insurance is no different. Having insurance is a protection, both for yourself and for anyone else involved in an accident.

Aged Internet Mortgage Leads

High-quality, aged mortgage leads can be very hard to find. However, the Internet offers a fast, easy, and convenient way for any mortgage broker to find good mortgage leads with a high success rate. If you are looking for aged Internet mortgage leads, you will find that there are a huge number of mortgage lead companies you can choose from.

These mortgage lead companies acquire their leads in a variety of ways. These companies also offer you different options for choosing and buying leads. Prices also varies greatly from one lead company to the next. Finding the best aged Internet mortgage leads is an important key to success in the competitive mortgage industry.

If you are buying aged mortgage leads through the Internet, you should know that lead companies offer different varieties of leads, including real-time or fresh leads and recycled leads. Recycled leads are much less expensive, and you will most likely buy such leads in bulk. If you choose to buy fresh leads, you will have to invest more. However, since these leads are "hot off the press," you have a better chance of closing some loan deals than if you purchased recycled leads. Plan wisely to get the most out of your investment.

An important factor to consider when buying aged Internet mortgage leads is to know where the company obtains their leads. Pick a lead company that owns and runs its own website to acquire leads – this ensures that you get guaranteed fresh leads instead of those that are bought from other lead companies.

Choose an Internet mortgage lead company that lets you start an account at a lower cost. Make sure that the company's return and refund policy allow you to get refunds if the leads you purchase are not good quality. Compare various lead companies and talk with their sales representatives before making a decision.

The Travelers Companies Inc. (TRV) Closes 0.59% Down on the Day for December 13

Shares of The Travelers Companies Inc. (TRV) ended the trading day Wednesday at $133.56,
representing a move of -0.59%, or $0.79 per share, on volume of 1.32 million shares.

The Travelers Companies Inc operates in property and casualty insurance industry. Its operations are divided into three segments: Business and International Insurance; Bond and Specialty Insurance; and Personal Insurance.

After opening the trading day at $134.37, shares of The Travelers Companies Inc. traded between a range of $133.22 and $134.37. The Travelers Companies Inc. currently has a total float of 273.7 million
shares and on average sees 1.63 million shares exchange hands each day.

The stock now has a 50-day SMA of $130.69 and 200-day SMA of $124.16, and it has a high of $137.95 and low of $113.76 over the last year. Its P/E ratio is 13 and its P/B ratio is 1.81.

The Travelers Companies Inc. is based out of New York, NY, and has 30,900 employees. The company’s CEO is Alan D. Schnitzer.

For a deeper dive into the fundamentals of The Travelers Companies Inc., check out equities.com’s Stock Valuation Analysis report for
TRV
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GET TO KNOW THE DOW

The Dow Jones Industrial Average is the oldest and most-often cited stock market index for the American equities market. Along
with other major indices such as the S&P 500 and Nasdaq, it remains one of the most visible representations of the stock market to the outside world. The index consists of 30 blue chip companies and
is a price-weighted index as opposed to a market-cap weighted index. This approach has made it somewhat controversial among market watchers. (See: Opinion: The DJIA is a Relic and We Need to Move On)
The history of the index dates all the way back to 1896 when it was first created by Charles Dow, the legendary founding editor of the Wall Street Journal and founder of Dow Jones & Company, and
Edward Jones, a statistician. The price-weighted, scaled index has since become a standard part of most major daily news recaps and has seen dozens of different companies pass through its ranks,
with only General Electric ($GE) remaining on the index since its inception.


To get more information on The Travelers Companies Inc. and to follow the company’s latest updates, you can visit the company’s profile page here:
TRV’s Profile
. For more news on the financial markets and emerging growth companies, be sure to visit Equities.com’s
Newsdesk
. Also, don’t forget to sign-up for our daily
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to ensure you don’t miss out on any of our best stories.

All data provided by QuoteMedia and was accurate as of 4:30PM ET.



DISCLOSURE:
The views and opinions expressed in this article are those of the authors, and do not represent the views of equities.com. Readers should not consider statements made by the author as formal recommendations and should consult their financial advisor before making any investment decisions. To read our full disclosure, please go to: http://www.equities.com/disclaimer

Purchasing the Best Car Insurance

In the past, car insurance was not a necessity, as some people went for it and some did not. However, today an auto coverage policy is one of the crucial things in your life, if you own a car. People need proper coverage, no matter how luxurious or modest their car is.

The way people buy insurance has also changed. In the past, buying a car insurance just meant to meet your neighborhood agent and ask him for it. But now, it is somewhat different, as you have got lots of other options at your disposal from where you can get your vehicle insured, with some entirely new coverage choices.

Buying car insurance: Which method to choose?

When you want insurance for your car, you might be puzzled as from where you should get it. Should you deal with an insurance agent or should you go online? You can choose among different options for getting your car insurance. This includes:

  1. Buying from captive agents
  2. Buying from independent agents
  3. Buying online

People, who prefer personal services and like to form face-to-face relationships, should certainly purchase their policy from an agent. But, since there are different agents, they need to decide which one is the best for them.

Among these, some are called ‘independent agents,’ who sell insurance for numerous companies and some are ‘captive agents,’ who sell insurance for just one firm. Let us see the different features of these agents, so that you can decide easily and quickly the right agent for yourself.

1. Buying from captive agents

You should buy your coverage from a captive agent, if you are dedicated to a specific insurance firm. Since captive agents deal with only one company, they will know all the different insurance options offered by that company. And, thus they can assist you to build the right package based on your needs. However, captive agents may take more time to respond to your questions and to know your needs as compared to independent agents who work for commission.

2. Buying from independent agents

You should buy a policy from an independent agent, if you want to check out the different insurances provided by different companies, as independent agents deal with several companies and not just one particular insurance firm. This way you can get a better rate.

And, since independent agents are not directly employed by any one firm, they would not push one specific product and will tell you the right things about all the insurances. Thus, independent agents can aid you to find inexpensive coverage for your car. However, since they work for commission, they are under more pressure to grab a deal as soon as possible.

3. Buying online

The third option is to skip insurance agents completely and to work directly with the company online. However, for this you have to do most of the work yourself. You have to conduct a thorough research on different coverage providers, what they offer, the rates of their insurance, and what all their policies covers. Then, you can talk to the company, that best fits your needs to procure the coverage itself.

Among these, some insurance companies that employ agents do not necessitate you to work with them and a few of them do not employ agents at all. Buying auto insurance online is one of the best options for you if you do not have much time and want to get inexpensive car insurance, as it saves you from paying commission to an insurance agent. If you are not sure about your car insurance needs, then buying car insurance online, without an insurance agent can cause you to buy the wrong, too little, or too much insurance.

Select your type of coverage

Besides deciding which company to go with, you must also consider which policy you want. There are three main types of policies, including traditional, usage-based, and per-mile car insurance. So, have a look at these three car insurance coverage programs before you settle for one particular car insurance.

1. Traditional auto insurance

In this type of auto insurance, the insurers determine the quotes for the policy with the help of various personal factors, such as your age, driving history, gender, credit score, etc. Generally, the more risk you have as a driver as per these factors, the more high your insurance rates will be. In this, you can opt for a minimum coverage amount as per the state law or else you can select from a long list of different types of auto insurance coverage.

2. Usage-based auto insurance

As opposed to the traditional car insurance, where insurers presume your driving skills depending on a list of different risk factors and your accident history, usage-based car insurance providers offer you car insurance by seeing you in action in real. In this type of car insurance, like Allstate’s Drivewise or Progressive’s Snapshot, you get a telematic device, which you have to plug-in your car. This device records how you drive and your driving behavior, especially your bad driving habits like accelerating or hard braking.

So, if the device records that you are a low-risk driver, then you can save your money with usage-based car insurance. However, if it records that you frequently drive late at night or you drive fast, then it would not help you save money with your car insurance. Additionally, many usage-based car insurance programs are not available in each state. Therefore, if you are devoted to one insurance company, then you may have to switch your company, in case you move to a different state.

3. Per-mile auto insurance

Per-mile auto insurance providers also use a telematic device, but they focus on just one thing, that is how little or how much you use your car. However, this car insurance type is still new and is not available in every state. Among others, Metromile is the best provider of per-mile car insurance and is available in seven states until now, which are California, Illinois, Oregon, Pennsylvania, New Jersey, Washington, and Virginia.

Additionally, per-mile providers use the same elements as traditional insurers in determining your car insurance rates, but you can save some money through its telematic device. If you do not use your car much and use it only for emergencies, then your premium may be cut significantly. However, if you normally drive your car, then there are fewer chances of you saving money from it.

Shop around

No matter how you purchase your insurance, whether you go for a dedicated agent or you directly sign up with a car insurance provider, you must shop around in order to get the best rates. Do some homework and do not just settle for the first deal that comes your way. This is because rates for the same policy can differ from one company to the other by thousands of dollars. Therefore, comparing different car insurance offers is the best possible way to land up a good deal.

Comparing Home Insurance

Mortgage or home insurance is important. When you take out your loan your lender may have attached PMI coverage for your home. This is only a security blanket for the lender. You want to find a policy that benefits the lender as well as you.

You can find home insurance on the market that offers both you and your lender a security blanket. Some home insurance plans will protect your home in the event natural disasters event. When you own a home, since this is a large investment you want to find a policy that will cover:

Natural disaster, such as fire, theft, hurricanes, tornadoes, etc, and any damage from vandalism, or unnatural disasters;

Insurance may include liability. This is a good idea, since if someone is hurt on your property you want to make sure that you have an insurance policy that will cover any medical, mental damage, legal coverage and so on.

Some of the home insurance policy also has life insurance. Life insurance will cover you in the event if you die. Some insurance policies will pay burial and cover your mortgage. This is a great insurance, since you do not leave the burden of finances on your loved ones.

You may want to inquire about wind damage insurance. Many companies will not offer this plan, since it is an act of God. Some companies will offer the coverage however, yet you have to purchase the coverage separately.

You want to make sure that your marriages are covered. Rather than spend a fortune out of your pocket to replace your furniture, equipment, electronics, etc get coverage that will offer you a backup plan in the event disaster occurs.

Most plans offer some sort of protection for your belongings. How much you pay in premiums and deductibles determines in most instances how much the insurance company will pay.

When you take out insurance coverage, make sure that you inquire or find out how soon the insurance company wills payout on life insurance, home insurance, etc. Some companies will take longer than others will to payout on repairs, burial, et cetera. You want to avoid these companies, rather choose a company that will not take up your time.

Take some time to explore insurance plans, policy, stipulations, clauses, premiums, deductibles and so on when searching for home insurance. Use the quote systems online to compare companies, policy, and cost and so on.

You have many options with insurance, so go online and check out the variety of packages and plans. Do not forget you can get your premiums lowered by agreeing to pay higher deductibles. If you agree to pay $ 1000 out of your pocket for example, your promotions may go down a certain percentage, depending on the company.

Low Cost Whole Life Insurance

Low cost whole life insurance is the most common life insurance policy. It is a simple policy that works on the basis of a basic permanent insurance plan into which you pay periodic payments, most commonly monthly, and provides protection to your beneficies over the course of your life.

It provides a set amount of coverage which can never be canceled, in exchange for fixed, uniform payments. The premiums are high compared to your statistical risk of death, which leads to the same payment amount throughout your life, which is why reserves are built up. Assuming that you live a longer life after the policy was issued, your payments became low when compared against your risk of death. To put it simply, during the first few years of a whole life policy, insurance companies take in substantially more money than they pay out.

Although it is much simpler to budget for this policy due to its stable nature, it fails to factor in the increased wealth factor of the insured and their loved ones as they get older and earn more money. It also fails to include the additional expenditure that they'll be making as they buy bigger and more expensive housing and cars. The premium of low cost whole life insurance is much less than the other whole policies. These policies help those who are young and going for policies for the first time, which will very well help the people who would be dependent on him in the future.

Whole life insurance is a permanent policy which will provide coverage whenever death occurs. In this policy there are two types of terms: straight level term and return of premium term.

Homeowners Insurance For Mobile Homes In Alabama

On average, there are twenty-three tornadoes in the state of Alabama each year. For someone living in a mobile home, a tornado is one of the worst disasters that can occur. With the sheer force of the wind, a manufactured home can be ripped apart in just a few seconds during a storm like this. That is one of the reasons it's so important to have homeowners insurance for a mobile home for individuals living in Alabama.

Virtually every company that supplies traditional homeowner's insurance in this southern state will also accommodate individuals living in a mobile home. As with any type of insurance there are generally several different types of policies to choose from. Although a mobile homeowner may be tempted to take the policy that offers the lowest priced premiums, this may not supply all the coverage that is needed.

It's a good idea to invest in a policy that provides coverage from many different acts of nature. These can include:

oWind

oHail

oLightning

oLandslides

Damage that is sustained as the result of a flood may not be offered by all insurance companies. It is typically dependent on where the mobile home is located, and it's wise to inquire about it with the agent you purchase your home insurance from. If there is little risk of your manufactured home being flooded, you can probably forego it, but if there is a real concern, be certain to ask about it and its availability for your particular situation.

You may also want to consider the level of liability coverage you purchase. If you are concerned about someone tripping and falling on your property, or if you have an aggressive dog, seek out a higher level of liability insurance. Although you may never need it, it's good to know it's there just in case.

Capital Wealth Planning LLC Trims Position in Travelers Companies Inc (TRV)

Capital Wealth Planning LLC lessened its holdings in Travelers Companies Inc (NYSE:TRV) by 95.1% in the 3rd quarter, according to its most recent disclosure with the Securities & Exchange Commission. The institutional investor owned 9,950 shares of the insurance provider’s stock after selling 193,355 shares during the period. Travelers Companies makes up 1.0% of Capital Wealth Planning LLC’s portfolio, making the stock its 22nd biggest position. Capital Wealth Planning LLC’s holdings in Travelers Companies were worth $1,219,000 as of its most recent SEC filing.

A number of other large investors have also bought and sold shares of TRV. Virtu Financial LLC acquired a new position in Travelers Companies in the second quarter worth about $226,000. NEXT Financial Group Inc raised its position in Travelers Companies by 12.5% in the second quarter. NEXT Financial Group Inc now owns 2,931 shares of the insurance provider’s stock worth $371,000 after purchasing an additional 326 shares in the last quarter. Cullinan Associates Inc. raised its position in Travelers Companies by 17.7% in the second quarter. Cullinan Associates Inc. now owns 23,316 shares of the insurance provider’s stock worth $2,950,000 after purchasing an additional 3,500 shares in the last quarter. Hollencrest Securities LLC acquired a new position in Travelers Companies in the second quarter worth about $202,000. Finally, State of Alaska Department of Revenue raised its position in Travelers Companies by 1.9% in the second quarter. State of Alaska Department of Revenue now owns 2,660 shares of the insurance provider’s stock worth $336,000 after purchasing an additional 50 shares in the last quarter. 78.67% of the stock is owned by hedge funds and other institutional investors.

In other news, EVP Michael Frederick Klein sold 20,077 shares of the stock in a transaction that occurred on Tuesday, November 21st. The shares were sold at an average price of $130.68, for a total transaction of $2,623,662.36. Following the sale, the executive vice president now directly owns 21,619 shares of the company’s stock, valued at $2,825,170.92. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available through the SEC website. Also, EVP Andy F. Bessette sold 2,000 shares of the stock in a transaction that occurred on Tuesday, November 14th. The shares were sold at an average price of $132.98, for a total transaction of $265,960.00. Following the sale, the executive vice president now directly owns 8,000 shares in the company, valued at $1,063,840. The disclosure for this sale can be found here. Insiders have sold 55,302 shares of company stock worth $7,347,753 over the last three months. 0.82% of the stock is owned by insiders.

Travelers Companies Inc (TRV) traded down $0.45 on Wednesday, hitting $133.90. 849,634 shares of the stock traded hands, compared to its average volume of 1,492,969. Travelers Companies Inc has a twelve month low of $113.76 and a twelve month high of $137.95. The company has a debt-to-equity ratio of 0.29, a current ratio of 0.41 and a quick ratio of 0.41. The company has a market capitalization of $36,445.35, a PE ratio of 16.26, a P/E/G ratio of 2.62 and a beta of 1.25.

Travelers Companies (NYSE:TRV) last released its quarterly earnings results on Thursday, October 19th. The insurance provider reported $0.91 EPS for the quarter, missing the Thomson Reuters’ consensus estimate of $2.10 by ($1.19). Travelers Companies had a net margin of 8.56% and a return on equity of 9.87%. The company had revenue of $6.66 billion for the quarter, compared to the consensus estimate of $6.46 billion. During the same period last year, the company earned $2.40 earnings per share. Travelers Companies’s revenue for the quarter was up 4.2% compared to the same quarter last year. sell-side analysts anticipate that Travelers Companies Inc will post 6.76 EPS for the current fiscal year.

Travelers Companies announced that its board has approved a stock buyback plan on Monday, September 11th that authorizes the company to buyback outstanding shares. This buyback authorization authorizes the insurance provider to repurchase shares of its stock through open market purchases. Shares buyback plans are usually a sign that the company’s board of directors believes its shares are undervalued.

The business also recently declared a quarterly dividend, which will be paid on Friday, December 29th. Stockholders of record on Monday, December 11th will be paid a dividend of $0.72 per share. The ex-dividend date is Friday, December 8th. This represents a $2.88 annualized dividend and a dividend yield of 2.15%. Travelers Companies’s dividend payout ratio (DPR) is currently 33.45%.

Several research firms have recently weighed in on TRV. Royal Bank of Canada reaffirmed a “buy” rating and set a $135.00 price objective on shares of Travelers Companies in a report on Monday, August 21st. ValuEngine raised shares of Travelers Companies from a “hold” rating to a “buy” rating in a report on Friday, September 1st. Zacks Investment Research lowered shares of Travelers Companies from a “hold” rating to a “sell” rating in a report on Tuesday, September 5th. Buckingham Research began coverage on shares of Travelers Companies in a report on Monday, September 11th. They set a “buy” rating and a $136.00 price objective for the company. Finally, Credit Suisse Group dropped their price objective on shares of Travelers Companies from $128.00 to $125.00 and set a “neutral” rating for the company in a report on Tuesday, September 12th. Four research analysts have rated the stock with a sell rating, nine have issued a hold rating and eight have issued a buy rating to the company. Travelers Companies currently has an average rating of “Hold” and an average price target of $132.01.

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Travelers Companies Profile

The Travelers Companies, Inc is a holding company. The Company’s segments include Business and International Insurance; Bond & Specialty Insurance, and Personal Insurance. Through its subsidiaries, it provides commercial and personal property and casualty insurance products and services. The Business and International Insurance segment offers property and casualty insurance and insurance related services to its clients, in the United States and in Canada, as well as in the United Kingdom, the Republic of Ireland, Brazil and throughout other parts of the world.

Want to see what other hedge funds are holding TRV? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Travelers Companies Inc (NYSE:TRV).

Institutional Ownership by Quarter for Travelers Companies (NYSE:TRV)

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Cheaper Home Owner Insurance – 6 Tips That Will Knock Your Rates Down

It is NOT hard to obtain very low quotes and pay far less for adequate coverage if you know what to do. Go through this write-up if you want to be part of this special group who are paying a lot less while maintaining sufficient coverage …

1. Having window locks on all your windows will help lower your home's risk of burglary. You will save even a lot more if you go one step more to have burglary-proof bars fitted on all of them. If you're not one of those people who feel so uncomfortable with such, they'll get you huge discounts. If you are not against this have them fitted in your home and enjoy lower rates.

2. The level to which you improve your roof could make you eligible for a discount. This is truer if you live in the East. If you want advice on how to strengthen your roof and enjoy discounts for doing so, ask your agent.

3. Ensure that you fully understand what the exclusions are in a home insurance policy. They're things that the policy does not provide you coverage for.

Therefore, before you settle for a cheap rate make sure the policy does not exclude something that might compromise you down the line. Although inexpensive a policy is, its main aim is defeated if it does not give you adequate coverage. All it will cost you is reading through the policy to avoid rude surprises on the long run.

4. If your community has a Neighborhood watch that could get you some discounts. Do not fail to tell your agent if your community has such so you can get a well-deserved discount. You will not just reduce your rate by doing so. You will also help reduce your neighbors' rates.

5. Installing a sprinkler will make you eligible for reasonable discounts. This is so because a sprinkler system is good for suppressing fires. Ask your agent what you will save by doing this before you get yours because they are quite expensive.

6. You can save much money in home insurance if you obtain and compare home insurance quotes from insurance quotes sites. You'll realize savings if you visit just one quotes site. But, you will get better results by visiting at least five. The simple logic in this is that you will receive a greater number of home insurance quotes from a wider range of insurance companies. This raises your chances of receiving better quotes.