List of Car Insurance Companies

List of Car Insurance Companies - Major Brokers Underwriting Vehicles
by Stacy Fox

Do you have any idea of the list of car insurance companies? How many of the following companies come to mind when you think about vehicle insurance?

Farmers Insurance is the first company we'll look at. They opened their doors back in 1927 and have $10 billion in assets. Their financial rating ranges from good to very strong even though the insurance industry as a whole suffered greatly during the financial crisis of 2008. Unfortunately, their customer service reputation took a beating in the early 21st century though they were ranked "most improved" as recently as 2006. 21st Century Insurance is also wholly owned by Farmer's Insurance.

Next up is Allstate Insurance which is the largest publically held insurer in the U.S. Their revenues are almost $30 billion in 2009. Business Week magazine and CNN have both criticized Allstate for denying its policy holders legitimate benefits.

You would think the American Insurance Group (AIG) would have been founded in a major U.S. city. But you'd be wrong. It was actually founded in Shanghai, China in 1919. But, they have long since moved to New York City. AIG was hit hard by the Financial Crisis in 2008 and had to be bailed out twice. AIG is currently the primary sponsor of the Manchester United Soccer Club.

The next on our list of car insurance companies is Nationwide. Nationwide started in 1926 offering auto insurance exclusively to Ohio Farmers. Soon, they expanded to other states and then to people other than farmers. Now, it is a major car and property insurer with revenues of $25 billion per year. They are seen as a progressive company which supports gay and minority causes.

Liberty Mutual is an international entity. In addition to serving Americans, they have holdings in many other countries ranging from Argentina to Vietnam. Founded in 1912, the company has assets of nearly $30 billion. Another thing Liberty Mutual is known for is their research institute for safety. This runs field and laboratory studies which help to make the workplace safer.

Progressive insurance focuses primarily on car insurance and does very little business in other kinds of insurance. They were founded in 1937 and have revenues of around $15 billion a year. They take advantage of technology as it becomes available; they were the first to sell insurance over the phone and an early adapter of internet resources. Progressive has gotten into hot water over whether they have directed policy holders to use unlicensed body repair shops.

The final entry in our list of car insurance companies is GEICO. GEICO is a wholly owned subsidiary of Warren Buffet's Berkshire Hathaway. It has more than 9 million policy holders and revenues of almost $10 billion. It runs aggressive television advertising ads, mostly featuring a cockney speaking gecko. GEICO was originally founded to provide insurance services strictly to government workers, but now provides insurance to everyone.

While there are many other car insurance companies, these are representative of the major players and should be included on any list of car insurance companies.

For more information on Auto Insurance Companies, visit my site at http://autoliabilityinsurance.org

Cheap Car Insurance for Young Driver

Car Insurance Rates for Teenagers
by Stacy Fox

Car insurance rates for teenagers are especially high because young people who have just received their driver's licenses are the highest risk group.

This is true for two main reasons. First of all, they are young. Youth equals immaturity in many ways. Secondly, the have just received their licenses and have not built up any experience on the road.

Statistics show that the insurance companies are right to charge more for young drivers. There are more accidents by people in the 16 to 20 age group than in any other group. Thus, the higher premiums.

But parents and teens should know that there are ways to reduce the cost of car insurance rates for teenagers. If a student has a B grade point average (3.0), they can generally get a break on their policy.

The next way to lower insurance premiums is to have the teen drive an older car. This way the insurer won't have to make such a high payout if the car is totaled. If the car is paid off, there also may be a break for the parents on insurance.

The final way for parents to reduce their rates is to ask their insurance agent to increase the deductible. This reduces the costs of the policy because the insurance company has less to pay off in case of damage. Parents should tell their teen that if they cause any damage to the car, the money comes out of their own pockets.

While car insurance rates for the under 20 set are always going to be higher than those for older, more experienced drivers, there are ways to reduce the costs. Most of these involve having the teenager be responsible in his or her driving and the other areas of their lives.

Over time, young people will establish a good driving record. They will also age out of these high premiums. High insurance rates for teenagers don't last forever after all.

If you are looking for more Car Insurance Rates for Teenagers information, go to http://autoliabilityinsurance.org/

Rack Spice

Get a Rack Spice as a Great Kitchen Accessory
by Stacy Fox

Today you have almost as many choices of kitchen spice racks as you do of the spices they contain. Spice racks are wonderful kitchen cooking accessories and home organization gadgets.

The rack spice should be in the kitchen so that you have your spices handy when you cook. But don't put the spices too close to the stove or oven because the heat can kill the potency.

A wall mountable spice rack is a good idea.

By using a "carousel" spice rack, you can maximize your options if you ahve hard to reach counter space.

A slanted kitchen spice rack lets you view all of your spices in one glance.

If you have a free drawer, then you can use the "spice rack drawer liner" that some stores are now selling.

Not utilizing the bottom of your kitchen cabinets? Buy an "under-cabinet kitchen spice rack", also called "undercounter spice rack" or "pull-down spice rack".

Use a door mounted spice rack if the inside of your pantry door is empty.

A free standing spice rack is a good option if you have lots of kitchen counter space or open shelf space.

You have to decide whether to use a large single level spice rack or a multi tiered one if you have lots of different containers of spices.

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A gourmet cook may need a lot of spices for their recipes while a more basic cook will only need an organizer for 6 to 8 spices.

You need to be able to easily access your spices. A vertical double shelf spice rack on a wall underneath a kitchen cabinet needs enough room between the top shelf and the underside of the kitchen cabinet so that you can easily remove and replace the containers.

Do you want a spice rack that comes pre-filled with spices or do you want to do your own shopping? Also, do you want a higher quality spice rack that has glass jars or one that is more inexpensive?

Keep things as simple as possible. The goal is to save space when you buy home organization tools.

There are a wide variety of rack spice materials including chrome, wire, plastic, stainless steel, acrylic, and wood.

Rack spice containers are very durable. You will find that they help a lot if you do any amount of cooking.

There's your information about rack spice.

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