Tag Archives: Insurance

Auto Insurance Compare Quotes Online

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Auto insurance compare quotes is a wise way to save money. Apart from looking at car insurance prices, checking benefits is a good move as well. Some insurance companies may not offer the cheapest insurance rates but offer valuable benefits instead.

To start out, simply use one of the free or paid car insurance checkers, which are easily available in the worldwide web. Within a matter of minutes, you can see a list of car insurance quotes, which are free. Simply enter some pertinent details into the checker system. No personal details about you are necessary.

Once you obtain the list, take your pick of three or four companies. Make a simple checklist for these companies. Apart from writing down their insurance rates, get other details as well. For some valuable information, go to the Better Business Bureau website. Better Business Bureau ranks a company based on transparency, reliability, customer support, reputability and so forth.

BBB gives a ranking of B or above for a good firm. The background of the insurance company is indeed vital. Some insurance companies closed their businesses, creating loss of money among car insurance policy owners. Poor customer service can cause a serious problem in case of an emergency or accident. One good way to know a company’s background is by reading customer reviews or testimonials about it.

However, do not get taken in by false testimonials. Trust your instincts on whether the customer review or testimonial is genuine. Before buying you car insurance policy, decide on your budget first. By doing so, you do not have to worry about missing out on your insurance payments, monthly, quarterly or yearly. Find out if a company gives a special discount if you renew your insurance policy with the company.

Certain insurance companies include car repairs or maintenance facilities and payment as part of the policy benefits. A twenty-four hour customer service, online or offline is crucial. Without it, you would be stuck in the case of an accident or any other similar car emergency. After you have recorded all the pertinent information in your checklist, it would be easier and faster to select the right insurance company.

To summarize, compare auto insurance quotes to gauge the lowest rates. Take your pick of three or four companies with the lowest rates. Find out more about other aspects such as a company’s BBB ranking, benefits and others before deciding on the best insurance company.

Get exclusive inside info on auto insurance compare quotes online now in our complete best NJ car ins options guide.

Cheapest Auto Insurance tips

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cheapest auto insurance
by skampy

 To drive on American roads, you need to gather information concerning your auto insurance. The more knowledge you have, the more you are likely to save and avoid denials.

Here are some questions and answers you may find helpful.

What happens to my auto insurance if I replace my vehicle?

Notify your insurer immediately within a set time. Most policies provide automatic 30 days for a vehicle that replaces another. If it requires additional coverage, your insurer will do that.

Does my auto insurance cover my car outside America?

Most policies cover in other states, U.S territories and Canada but exclude Mexico. If you want to drive your car in Mexico, you need a separate coverage. However, if you want to travel, check out your state coverage before embarking on that journey.

You need to cross-check the amount of coverage you need to carry in the state where you wish to travel to. If your coverage is lower than what is required, get your insurance company to raise your coverage.

What is subrogation?

This is the right the insurance company has to recover from a third party the amount of damages it paid to you in claims. If another driver is at fault in an accident involving you and you have a collision claim, your insurer will require the other driver to reimburse the money they paid to you in claim.

In such situation, you should cooperate with your insurance company and avoid anything that will jeopardize the company’s right to get the refund. For this reason, you are advised not to enter into agreement with the other driver as regards the payment of your deductible. Allow your agent or insurer to handle every accident case without interfering.

Is the company required to help me recover my deductible?

There are two answers to this question. If your insurance company is pursuing subrogation, they are required to include your deductible in the process. If they succeed, whether in part or in whole in the process, they will reimburse you accordingly. If the company is not pursuing subrogation, they should inform you and advise you to enable you pursue your deductible personally.

In the process of subrogation, any expenses or legal fees incurred by the company is usually shared between you and the company.

If I am sued as a result of an accident, what should I do?

Immediately you receive the summons, notify your agent or insurance company. Make a copy of the summons, mail the original to your agent. Don’t discuss with anybody except a representative of your insurance company. Avoid writing statements. Let your agent handle all matters arising from such legal suit.

The more you are enlightened about your policy, the easier it is for your insurer to deal with you. I hope you find this little information helpful.

Visit my favorite sites: http://easybuyautoinsurance.com and http://easybuyhomeinsurance.com to compare multiple insurance quotes.

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Getting the Cheapest Auto Insurance Quote

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Article by eightminute

Are you looking for the cheapest auto insurance quote? You know the one that’s difficult to get. If so in this article we will show you where that inexpensive auto insurance quote is, what you ought to do to get it and bring relief to your budget and put a smile on your face.

I don’t know about you but having some additional bucks at the end of the month certain beats the empty pocket syndrome and puts a smile back on an otherwise gloomy scenario.

Depending on what sort of automobile and insurance you might have, you could save anywhere from twenty to thirty dollars a month up to hundreds a month and that can put a smile on any ones face.

The big difficulty is that it’s not that basic to get that coveted cheapest auto insurance quote. Most on the internet auto insurance quote sites will not give you that lowest quote.

On the web Insurance Quote Sites

These sites are set up to give you quick quotes, not low low quotes. The lowest quotes can only come from your local agents. On the web sites can only give out the standard quotes that are stored in their data base and believe me they don’t put the cheapest vehicle insurance quotes in those data bases.

What they do put in their data base are their normal rates and I do not care how tough you attempt to get that low rate from them, they just can’t give it to you because their data base does not contain it. So where do you get that inexpensive auto insurance quote?

That cheapest auto insurance quote is only offered from the local agent and they do not like giving out that cheapest Quote. You’ve to force them to give you that low, low rate.

For a local agent to give that coveted cheapest automobile insurance quote he has to give up some or all of his return on that policy. That is something the local agent doesn’t like to do, unless he is forced to.

How Do You Force The Local Agent To Give The Cheapest Quote?

Unless the local automobile insurance agent is your brother-in-law you might have to get him to compete against other local agents to get that in demand cheapest quote. Just walking into his office and telling him or 1 of his agents that you’re acquiring quotes for your automobile insurance won’t get you that cheapest rate.

Each 1 who walks into the agency says they’re going around acquiring quotes but in reality only about 5% really run around from agency to agency getting quotes due to the fact it’s a massive hassle to say the least. The individual you need to see is usually not offered. You end up spending a huge amount of time, accomplish extremely small and turn into frustrated and quit.

The agent will take that gamble that your one of the 95% that quit and take the rate that he quoted. He’ll lose 5% but what he makes on the quitting 95% positive makes up for his loss.

Force the local automobile insurance agent to Compete

Your local agent does not want you to get your auto insurance from the agent down the street. They could be very best pals at the local chamber meeting but get them competing for you vehicle insurance company and they’ll do what ever is required to get your organization. They’ll!

Insurance agents derive their funds on residuals – Funds that automatically comes to the agent from policies that automatically renew every year. They know that most people having gotten a fantastic deal that 1st year will automatically renew every single year thereafter with out shopping for that low quote, and that’s where the agent makes their money, year after year.

Unless that Local agent knows they are competing, You will not get that lowest quote. Here’s the secret to getting that cheapest quote from the local car insurance agent.

1 Form, 6 or 7 Local Agents = Instant Competition!

Why not go to a web website where you can fill out that one form, it gets faxed to the local agents where you set in motion a system that guarantees you obtain the cheapest auto insurance quote. Here’s what will take place.

You answer a few questions that the agents need to know to give you the lowest quotes.

That quote request is faxed to 6 or 7 of the sharpest local agents inside your surrounding region. These are agents that will fight for your organization and are willing to do what ever is essential to get your organization.

They contact you directly in a few hours with those low low quotes. Low-cost since they know when they receive your quote request that their competition received that request also. They know what they should do to get your organization.

All you will need do is wait several hours due to the fact those auto insurance agent are bringing you a few of the lowest car insurance rates you have ever seen. Just pick out the 1 you like the most effective and you might have assured your self that you’ve received the cheapest auto insurance quote achievable.

How To Find The Cheapest Auto Insurance Companies

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Article by Randolph Summitt

If you are a licensed driver, you already know that there are strict laws in place that require you to have automobile insurance coverage on your vehicle. The reasoning behind this law is that a policy will cover the expenses caused should you wreck your vehicle. However, with the cost of living continuing to rise, it is often an expense that drivers really cannot afford. This is why people seek out the cheapest auto insurance companies to help provide them with the coverage they legally need to have.

Driving without car insurance can land you in a great deal of trouble. Consequences can include license suspension, monetary fines, and even time in jail. Your car can also be impounded for this infraction. The cheapest auto insurance companies can provide you with inexpensive coverage that you can fit into your budget.

To find these companies, some time and research is required. While most agents will make claim to have the lowest rates, it may not necessarily be true. To find out who indeed has the lowest rates, you have to do some comparison shopping.

One way to accomplish this task is by using your local telephone book. By searching for your local agents in the telephone book, you have all the information you need to call them and ask them about what they have to offer you. Many people have found this method of comparison shopping extremely effective.

Using the internet to conduct your research is another method you may choose. There are various websites published on the internet that will provide you with the tools you need to compare auto rates among your local companies. While this is an effective way to comparison shop, you should remember one important fact. The quotes you will generate are just an estimate. Your actual rates could end up being slightly higher or slightly lower than the prices listed.

Finally, asking your friends, family, and associates for a recommendation can help you find the lowest priced coverage for your car. You might be surprised all the facts you can gather by asking for a recommendation.

If you are having trouble fitting the addition expense of coverage for your car into your already tight budget, you are not alone. With the economy in bad shape, many people find themselves searching for the cheapest auto insurance companies to purchase their policies from. By following the tips and advice provided above, you can do the same thing.

Vehicle owners, check out our car ins buyers guide for tips on how to find the cheapest auto insurance companies, now.










Nice Auto Insurance In Florida photos

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Some cool auto insurance in florida images:

High school reunion, Sep 2011 – 10
auto insurance in florida

Image by Ed Yourdon
The rear of the gym building, looking west. The cafeteria building is in the background, on the left. I don’t know if the huge wall, or the concrete-paved area, was ever put to productive use…

Note: for some reason, this photo was published in an Oct 12, 2011 Auto Risks Insurance Guide blog, titled "High School Reunion, May 2011-10 ."

*******************************************

A long time ago, in what now seems like a galaxy far, far away, 300 of us gathered together to begin our high-school education in a spanking-new campus of buildings on Middleville Road, in the small village of Northport New York. Some of us had grown up with each other since kindergarten, others were strangers and new arrivals in town. Some of us ignored one another that first day; some of us formed friendships that would last a lifetime; and some of us discovered years later that, on that very first day of 9th grade, we were sitting — obliviously — next to the boy or girl we would eventually marry.

Four years later, almost all of us graduated. Roughly half of us stayed in Northport after the graduation ceremony, and settled down almost immediately to marry, have children, get a job, and build a life. The other half joined the military service, or went off to colleges and universities all across the country. A few of us died in Vietnam. Some of us settled in California or Florida or exotic places we had never heard of in high school … and many of us never came back to Northport, not even once.

But some of us did, first in 1971 and then again in 1981 and 1991. Some of us very much wanted to come back again in 2001, but the events of 9-11 made travel impossible during that week, and all we could do was mark a date on our calendar for what we hoped would be the next gathering — made all the more important by the fact that it would be our 50th anniversary reunion.

By the time September 17, 2011 finally rolled around, roughly 15% of our class had died — from cancer or other illnesses, or on the battlefield, or in automobile accidents, or from other tragic mishaps. Some had disappeared so completely that none of their classmates could find them; they had no Facebook membership, no Twitter ID, no e-mail address, no phone number, and no known snail-mail address. There were others we *did* track down, but they made it abundantly clear that they weren’t coming, and that they had no interest in anything associated with that motley crew of 300 kids who first gathered together in September 1957.

Ultimately, about 100 people did come together in Northport for the 50th reunion — including three of our teachers, whom we had assumed were *already* ancient when we first met them in 9th grade, but who turned out to be young pipsqueaks themselves, barely out of college and doing their best to teach us when they were in their mid-20s.

These photos are just the beginning of what will hopefully be a larger, collaborative collection of images taken with the camera-phones, the point-and-shoot cameras, the fancy DSLR behemoths, and a couple dozen disposable cameras sprinkled around the place where we gathered. There’s not enough room to tell everyone’s stories here, but you’ll find a few notes and comments and tags to give you an idea of who was there, and what they’re all about. If you have some notes and comments to add, please do …

Auto Insurance – Cheap Auto Insurance Quote

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Auto insurance is something that everyone who owns a car needs to have. Driving an automobile can be expensive so making sure you save money of your auto insurance is crucial. It is a good idea to compare prices and get quotes online so that you know that you are getting the best policy possible.

Checking online quotes is easy to do when you search for low cost auto insurance online. Always make sure that you do not go with the first quote that you receive because there may be better rates available to you. It is worth spending the extra time to check around and see what kind of prices on auto insurance you can find.

We all want to save money on our monthly expenses and getting a low cost car insurance is going to help you to accomplish that. It seems like everything we spend money on from food to gas is going up in price so saving money is important.

You need to also check with your homeowners insurance to see if you get auto coverage with them if you can save money on having two insurances with one carrier.

In many cases this is possible for you to do and save money.

Also check and see how many miles you are driving because if it is less than the policy covers than you can get a price reduction from that as well. There are many ways to save money when it comes to automobile coverage but you need to search around before making a final decision.

GO TO www.autocheap-insurance.com For More Information about Cheap Auto Insurance, Auto Cheap Insurance, Auto Insurance and more…
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Cool Auto Insurance Compare images

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A few nice auto insurance compare images I found:

High school reunion, Sep 2011 – 63
auto insurance compare

Image by Ed Yourdon
Ernie Klug, obviously thinking deep thoughts about something. You might have guessed correctly, if you looked at this photo, that Ernie was voted by his fellow 1961 seniors as the (boy) Class Sleeper; but you might not have realized that he was also voted the (boy) Class Clown. But he was.

Ernie was also on the basketball team all four years in high school, and the basketball team for three years, and the baseball team during his senior year. He was also a member of the Varsity Club for three years.

Note: this photo was published in a Nov 9, 2011 Auto Risks Insurance Guide blog, with s slightly garbled version of the caption (e.g., it referred to "May 2011" instead of "Sep 2011") and detailed notes, as compared to what I had written here on this Flickr page. Who knows what was going on …

*******************************************

A long time ago, in what now seems like a galaxy far, far away, 300 of us gathered together to begin our high-school education in a spanking-new campus of buildings on Middleville Road, in the small village of Northport New York. Some of us had gVrown up with each other since kindergarten, others were strangers and new arrivals in town. Some of us ignored one another that first day; some of us formed friendships that would last a lifetime; and some of us discovered years later that, on that very first day of 9th grade, we were sitting — obliviously — next to the boy or girl we would eventually marry.

Four years later, almost all of us graduated. Roughly half of us stayed in Northport after the graduation ceremony, and settled down almost immediately to marry, have children, get a job, and build a life. The other half joined the military service, or went off to colleges and universities all across the country. A few of us died in Vietnam. Some of us settled in California or Florida or exotic places we had never heard of in high school … and many of us never came back to Northport, not even once.

But some of us did, first in 1971 and then again in 1981 and 1991. Some of us very much wanted to come back again in 2001, but the events of 9-11 made travel impossible during that week, and all we could do was mark a date on our calendar for what we hoped would be the next gathering — made all the more important by the fact that it would be our 50th anniversary reunion.

By the time September 17, 2011 finally rolled around, roughly 15% of our class had died — from cancer or other illnesses, or on the battlefield, or in automobile accidents, or from other tragic mishaps. Some had disappeared so completely that none of their classmates could find them; they had no Facebook membership, no Twitter ID, no e-mail address, no phone number, and no known snail-mail address. There were others we *did* track down, but they made it abundantly clear that they weren’t coming, and that they had no interest in anything associated with that motley crew of 300 kids who first gathered together in September 1957.

Ultimately, about 100 people did come together in Northport for the 50th reunion — including three of our teachers, whom we had assumed were *already* ancient when we first met them in 9th grade, but who turned out to be young pipsqueaks themselves, barely out of college and doing their best to teach us when they were in their mid-20s.

These photos are just the beginning of what will hopefully be a larger, collaborative collection of images taken with the camera-phones, the point-and-shoot cameras, the fancy DSLR behemoths, and a couple dozen disposable cameras sprinkled around the place where we gathered. There’s not enough room to tell everyone’s stories here, but you’ll find a few notes and comments and tags to give you an idea of who was there, and what they’re all about. If you have some notes and comments to add, please do …

Types of Home and Business Insurance in NJ

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Article by Jimmy Rice

With all the uncertainties of today’s world, any asset that you own, be it your house or your business, the first thing you need to do is to get a sound and extensive insurance policy coverage. To cover the cost of your losses in case of an accident and to ensure the continuity of your business after an incident that might have damaged your goods and infrastructures, it is important to have an extensive home and business insurance NJ.

When it comes to home security, without a sound insurance policy, you stand the risk of losing all your property in case of a disaster. Not only that, you might even be sued by someone who might claim to be hurt on your property. Some of the common homeowners insurance policies available under home and business insurance NJ are HO2, HO3, HO4 and HO6.

HO2 is a relatively broad policy, covering the damages from eleven basic disasters and six additional, some which are fire and smoke, riots and vandalism, hails and windstorms, weight of snow or ice, accidental water leakage etc.

HO3 is sort of an extended coverage policy for homeowners in New Jersey and provides coverage for 17 more perils, with the exception of war, nuclear accidents and earthquakes.

HO4 is the policy for renters or tenants, who are staying in the house temporarily, while the HO6 policy provides an extensive coverage for condominiums.

Home and business insurances NJ are available to protect your businesses from disasters as well. The coverage depends on the type of the company, its size of operation and the number of employees. Some of the different types of business insurance coverages available under home and business insurance NJ are as follows:

• Business Owners’ Policy: These policies are ideal for SMEs or the Small and Medium size Enterprise and offer a package of coverage which includes liability, property and income insurance• General liability: These policies mainly cover the compensations for damage or physical injury on account of the operations of the business or the legal charges in the event of the business being sued.• Workers’ compensation: It pays for the benefits in case an employee is injured while on job.• Commercial auto: These policies cover the repair costs for any damage to the vehicle leased or owned by the company.• Employment Practices Liability: This is perhaps the most important aspect of any business insurance package and Home and Business insurance NJ is no exception. It pays the legal cost for any issues concerned with employment practices in the company, like sexual harassment, discrimination, breach of contract, failure to hire, wrongful termination etc.• Group Health and Dental: These are insurance coverage for the health and dental facilities of the employees. The employee generally pays for the monthly premiums.

We are your Bayonne, New Jersey auto insurance source! Please visit our website for more information about how you can save money and get the right insurance at the right price! www.autoinsurancebayonnenj.com
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Nice Auto Insurance Agencies photos

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Check out these auto insurance agencies images:

Installation Management Command employees enjoy a free ride to work 110916
auto insurance agencies

Image by familymwr
PHOTO CAPTION: Scott Copus climbs into the van while Tim Rodeffer waits to hop in outside the IMCOM headquarters building on a Friday afternoon. (US Army Photo by Karla A. Seijas)

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Installation Management Command employees enjoy a free ride to work 110916

By Karla A. Seijas
IMCOM Public Affairs

More than a dozen Installation Management Command employees ride to and from work for free in a VIA Van Pool, through the US Army Mass Transit Benefit Program.

"All I can say is this is the best thing since sliced bread – nope it’s better than sliced bread! Love it!" said passenger Debbie Martin, an IMCOM Family and MWR programs employee. "It’s less wear and tear on us, less wear and tear on our wallets, and less wear and tear on the environment."

Kelly Sandifer, who works in IMCOM resource management, saw a VIA vanpool van on Fort Sam Houston and became intrigued. He decided to start a van pool service for IMCOM employees. Through his search for vanpool-interested employees, he met Tammy Copus, who works in IMCOM Family and MWR Programs. Copus assisted Sandifer in getting the program started, and now serves as the alternate point of contact.

Sandifer had good reason to start a vanpool; previously he drove over 62 miles a day (each-way) in his own vehicle between home and work.

"I was able to sell my extra car, and when you add up fuel, oil changes, tires, and insurance, it’s a huge savings; over 0 per month for me," said Sandifer.

It’s not just about money; the approval of van pools is another positive step the command is taking to reduce our impact on the environment. The program has already taken nearly three dozen cars off the road, reducing traffic, congestion, parking issues, and most importantly, pollution and harmful emissions.

Each vanpool group can have 4 to 15 employees. Members of the vanpool can volunteer to serve as a driver if they wish. Once a group is officially enrolled, the van pool coordinator receives a fleet gas card, which is funded through the MTBP, and a 7-, 12- or 15-passenger van, which is provided by Enterprise Rent-a-Car and paid for by the MTBP.

Participants have to commit to riding in the vanpool at least 50% of each month.

"As our Leaders have said, we are in a new Fiscal Reality. The impact is far reaching and has not only affected the DoD but our personal lives as well," said van pool passenger Jeffrey Fitton, an IMCOM training directorate employee, when describing the benefits of the program.

"By taking part in the VIA Van Pool program, I can prevent unnecessary wear and tear on my car and I can save 0 a month by not having to pay for fuel," said Fitton. "Why would anyone not want to save money?"

Sandifer said that there are two main reasons.

"Some folks just don’t want to ‘loss their liberty’ in being able to come and go as they please. Others feel they won’t get the support of their leadership when they have to leave work at a specified time every day", Sandifer said. Other than that this thing is really taking off."

Service to the vehicle and insurance is also provided by Enterprise Rent-A-Car. For most situations, there is no cost to the employee for participating in the program.

Some participants use the commute to catch up on e-mails, sleep or simply chat with fellow riders.

"One of our riders sits in the back of the van most days and works on her laptop," said Copus. "The other riders try to be as quiet as possible when necessary, but all other times there is normally a lot of socializing and laughter."

Copus also described an afternoon commute when two employees needed to participate in a conference call. The fellow passengers respected their need for a quiet atmosphere until the call was over. They even adjusted their usual ride time by five minutes to ensure the two individuals would be on time for their call.

"It’s like getting an extra step increase," said David Abbott, a telecommunications specialist at IMCOM, when asked to describe the van pool.

There are currently three active van pools to the new IMCOM campus on Ft. Sam Houston and there is great potential for more. The current areas being serviced are Boerne, New Braunfels and the Stone Oak. More vanpools will start at the end of September in the areas of Schertz, New Braunfels and Highway 281 North (Evans Road & Bulverde).

If an unforeseen scheduling conflict occurs and a van pool rider has to leave their place of business, the Certified Auto Ride in an Emergency program is offered for a fee of five dollars per year. According to the Care Program, "for an annual fee, you can receive four free cab rides to use during the year…whenever an emergency arises."

If a vanpool rider enrolled in the Care program needs to get home early for unforeseen circumstances or can’t wait for the normal commute time because of an illness, a sick child or family member, the normal ride left early or unexpected overtime, they’re eligible for a free taxi ride, and the waiting time is less than 20 minutes.

IMCOM employees can sign up to participate in the VIA van pool by accessing the signup sheet in the shared drive or by contacting Kelly Sandifer or Tammy Copus.

Other Fort Sam employees can contact the Army Mass Transportation Benefit Program at ASAFM-MTBP@conus.army.mil to learn how to start a van pool in their organization.

————

If an employee chooses to ride public transportation to work by means of the San Antonio VIA bus system they are also eligible to receive benefits through the MTBP, which covers the cost of a monthly bus pass.

The MTBP originated 21 April 2000, via Executive Order 13150, "Federal Workforce Transportation." The executive order requires Federal agencies to provide employee incentives to use public transportation in their commute to and from work.

All Army employees (military and civilian) are eligible to use the MTBP mass transportation fare subsidy when using public transportation or van or car pools for their work commute. The MTBP goal is to reduce the air pollution and traffic congestion while expanding commuting alternatives.

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ks 110916

Installation Management Command employees enjoy a free ride to work 110916
auto insurance agencies

Image by familymwr
PHOTO CAPTION: In the next few months six more vans like this will be parked in the IMCOM headquarters parking lot as the program expands. (US Army Photo by Karla A. Seijas)

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Installation Management Command employees enjoy a free ride to work 110916

By Karla A. Seijas
IMCOM Public Affairs

More than a dozen Installation Management Command employees ride to and from work for free in a VIA Van Pool, through the US Army Mass Transit Benefit Program.

"All I can say is this is the best thing since sliced bread – nope it’s better than sliced bread! Love it!" said passenger Debbie Martin, an IMCOM Family and MWR programs employee. "It’s less wear and tear on us, less wear and tear on our wallets, and less wear and tear on the environment."

Kelly Sandifer, who works in IMCOM resource management, saw a VIA vanpool van on Fort Sam Houston and became intrigued. He decided to start a van pool service for IMCOM employees. Through his search for vanpool-interested employees, he met Tammy Copus, who works in IMCOM Family and MWR Programs. Copus assisted Sandifer in getting the program started, and now serves as the alternate point of contact.

Sandifer had good reason to start a vanpool; previously he drove over 62 miles a day (each-way) in his own vehicle between home and work.

"I was able to sell my extra car, and when you add up fuel, oil changes, tires, and insurance, it’s a huge savings; over 0 per month for me," said Sandifer.

It’s not just about money; the approval of van pools is another positive step the command is taking to reduce our impact on the environment. The program has already taken nearly three dozen cars off the road, reducing traffic, congestion, parking issues, and most importantly, pollution and harmful emissions.

Each vanpool group can have 4 to 15 employees. Members of the vanpool can volunteer to serve as a driver if they wish. Once a group is officially enrolled, the van pool coordinator receives a fleet gas card, which is funded through the MTBP, and a 7-, 12- or 15-passenger van, which is provided by Enterprise Rent-a-Car and paid for by the MTBP.

Participants have to commit to riding in the vanpool at least 50% of each month.

"As our Leaders have said, we are in a new Fiscal Reality. The impact is far reaching and has not only affected the DoD but our personal lives as well," said van pool passenger Jeffrey Fitton, an IMCOM training directorate employee, when describing the benefits of the program.

"By taking part in the VIA Van Pool program, I can prevent unnecessary wear and tear on my car and I can save 0 a month by not having to pay for fuel," said Fitton. "Why would anyone not want to save money?"

Sandifer said that there are two main reasons.

"Some folks just don’t want to ‘loss their liberty’ in being able to come and go as they please. Others feel they won’t get the support of their leadership when they have to leave work at a specified time every day", Sandifer said. Other than that this thing is really taking off."

Service to the vehicle and insurance is also provided by Enterprise Rent-A-Car. For most situations, there is no cost to the employee for participating in the program.

Some participants use the commute to catch up on e-mails, sleep or simply chat with fellow riders.

"One of our riders sits in the back of the van most days and works on her laptop," said Copus. "The other riders try to be as quiet as possible when necessary, but all other times there is normally a lot of socializing and laughter."

Copus also described an afternoon commute when two employees needed to participate in a conference call. The fellow passengers respected their need for a quiet atmosphere until the call was over. They even adjusted their usual ride time by five minutes to ensure the two individuals would be on time for their call.

"It’s like getting an extra step increase," said David Abbott, a telecommunications specialist at IMCOM, when asked to describe the van pool.

There are currently three active van pools to the new IMCOM campus on Ft. Sam Houston and there is great potential for more. The current areas being serviced are Boerne, New Braunfels and the Stone Oak. More vanpools will start at the end of September in the areas of Schertz, New Braunfels and Highway 281 North (Evans Road & Bulverde).

If an unforeseen scheduling conflict occurs and a van pool rider has to leave their place of business, the Certified Auto Ride in an Emergency program is offered for a fee of five dollars per year. According to the Care Program, "for an annual fee, you can receive four free cab rides to use during the year…whenever an emergency arises."

If a vanpool rider enrolled in the Care program needs to get home early for unforeseen circumstances or can’t wait for the normal commute time because of an illness, a sick child or family member, the normal ride left early or unexpected overtime, they’re eligible for a free taxi ride, and the waiting time is less than 20 minutes.

IMCOM employees can sign up to participate in the VIA van pool by accessing the signup sheet in the shared drive or by contacting Kelly Sandifer or Tammy Copus.

Other Fort Sam employees can contact the Army Mass Transportation Benefit Program at ASAFM-MTBP@conus.army.mil to learn how to start a van pool in their organization.

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If an employee chooses to ride public transportation to work by means of the San Antonio VIA bus system they are also eligible to receive benefits through the MTBP, which covers the cost of a monthly bus pass.

The MTBP originated 21 April 2000, via Executive Order 13150, "Federal Workforce Transportation." The executive order requires Federal agencies to provide employee incentives to use public transportation in their commute to and from work.

All Army employees (military and civilian) are eligible to use the MTBP mass transportation fare subsidy when using public transportation or van or car pools for their work commute. The MTBP goal is to reduce the air pollution and traffic congestion while expanding commuting alternatives.

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How To Look For ‘Insurance Quotes Auto’

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Article by Andrew Karvert

Looking for ‘insurance quotes auto’ online? What a smart move. Read on this article for more information. When you type that search term into Google, you are probably thinking of getting the best rate for your new policy, or maybe you are renewing an existing policy. Price is important but what about the coverage that you require? Make sure you research on this as well.

There are many kinds of coverages out there and you don’t need all of them. For example, it would be silly to cover your car at a cost that exceeds the value of the car. This usually means that this is a used car. If you are a safe driver, you may not be as highly insured as that of a high risk car driver.

What does it mean to be a safe driver anyway? It means that you have a clean driving history. A high risk driver would mean exactly the opposite. In fact, if you are safe, you should ask the carrier for a discount. Now you know why people in the second category get higher premiums when the insurer find items like speed tickets in their record.

If you are in a situation where a ticket is about to be erased, you may want to wait until it is gone before applying for that policy. Basically, the more items that are on the record, the higher the premium.

It certainly is true that you don’t need all the coverages that are out there. It is equally true that you don’t want to be under insured at the same time. Observing the requirement of the state is simply not good enough because that requirement is obviously minimal. This means that should you find yourself in an accident, it is probable that your claim may not sufficiently cover your losses.

So think about cutting costs. You don’t want to cut costs to such a degree that you are compromising or worst, sacrificing. You do understand after all, the reason you are insuring your car. It may be a requirement of the law to do so but it is a good thing for you. Satisfy the (minimal) requirements of the law (including that of your state) and yourself as well. Bear in mind that it is not smart to compromise or sacrifice on your side of the equation.

Getting your quotes online is certainly a great move. You get what you want minus the hassle.

Looking for insurance quotes auto online? We’ve got the ultimate low down now in our complete required ins faqs guide.










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