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Car Insurance

Car insurance is a necessity to keep yourself safe financially in the event that you have to file a claim. It has the potential to save you thousands of dollars in exchange for a small monthly premium. However, car insurance companies must do more than tote affordable coverage to keep up with the demands of consumers. Today’s best auto insurance companies must have high customer satisfaction scores, a straightforward claims process and better accessibility such as tools like smartphone apps. We’ve analyzed recent reports from J.D. Power, AM Best, Consumer Reports the Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) to bring you the top car insurance companies worth checking out.

 

1. Best overall car insurance company: Amica

Amica was the strongest company overall in our research and received the highest rating in the New England region in J.D. Power’s 2019 customer satisfaction report. The insurer also received the highest Consumer Reports rating among auto insurance providers — as it has every year since at least 1999. Consumer Reports noted that an overwhelming number of customers reported “relatively few” problems during the claims process.

Pros Cons
A high J.D. Power satisfaction rating Fewer driver discount opportunities
High financial stability ratings Few online resources
No repair facility restrictions
“Platinum Choice” coverage
Best array of coverage options
Discounts on multi-line and multi-auto policies

2. Best for customer service and interaction: State Farm

State Farm is the largest car insurance company in the nation, per the Insurance Information Institute in 2019. Fortunately, it’s also one of the best — especially when it comes to the customer service experience. In 2019, State Farm received high praise from J.D. Power for its service interaction and claims handling. And of all the insured drivers we surveyed, it received the most positive remarks by far.

It is incredibly easy to get in touch with State Farm. You can call one of the company’s 18,000 agents, go online, or even send a picture of your damaged car with your smartphone using the State Farm mobile app. Compare that to Amica, which doesn’t allow you to connect with an agent via an app, or file a claim through an agent.

State Farm also gets high marks for a pain-free shopping experience that lets prospective customers call their local agent or chat with a representative online if they have any questions.

Pros Cons
Superior claims handling Missing a few common driver discounts
Great financial standing Lacks a couple of important coverages
Best online quote tool

3. Best for discounts: Progressive

Progressive is the fourth-largest auto insurer in the U.S. and offers an impressive array of discounts and special coverages that could significantly reduce your monthly bill. For example, the Snapshot tool allows Progressive to base your rate on your driving habits. Progressive also earned an “A+ Superior” stability rating from AM Best, so the company is on solid financial footing to cover any claims.

Pros Cons
Pet injury coverage Room for improvement
Widely available discount options
Solid consumer experience

4. Best policy options: The Hartford

The Hartford is only the nation’s 11th largest insurer, but it still packs a punch. It offers a wide range of policy options and benefits, including rates based on how much you actually drive your car and a new car replacement program for cars totaled shortly after purchase.

Pros Cons
Mechanical breakdown coverage Merely average claims satisfaction
Useful policy benefits Fewest online educational resources
Excellent purchase experience

5. Best for tech-savvy consumers: Geico

We’ve all seen the ads: The gecko with the charming accent, the cavemen, the “wee” piggy and that camel who loves Wednesdays. Catchy advertising aside, what makes Geico stand out from its competitors? Like most car insurance companies, Geico advertises low rates (“15 minutes could save you 15 percent or more on your car insurance”). But what else?

According to J.D. Power’s 2019 U.S. Insurance Shopping Study, “The last decade of seemingly non-stop direct-to-consumer advertising and heavy investment into digital self-service technologies have driven roughly one-fourth of auto insurance customers to adopt direct distribution models that bypass agents in favor of do-it-yourself tools.” Geico’s response to this seems to be its very popular mobile app.

Geico is the second-largest car insurance provider in the United States. While it’s considered second-tier by Consumer Reports (listed under parent company Berkshire Hathaway Insurance Group), customers rate Geico high in the categories of ease of reaching an agent, promptness of response, agent courtesy and timely payment.

Not bad in terms of customer service.

Pros Cons
Superior mobile app Doesn’t offer gap insurance
Good number of discounts Predominantly digital experience

6. Best for members of the military: USAA

Throughout our research, we found that USAA’s stellar reputation holds true. If you’re a member of the U.S. Armed Forces or you’re related to one, there is no better option. USAA is one of the three highest-rated automotive insurers in the country.

The only downside is its limited availability: Only active service members, veterans, and their families are eligible. Given those restrictions, the quote process is a bit more intense compared with its competitors, but that’s a small price to pay for its exemplary service.

Pros Cons
Flawless purchase experience Membership restrictions
Solid financial stability Missing three key vehicle coverages
Predominantly digital experience

Other car insurance companies to consider

Not all of our top picks for the best car insurance companies are available in all areas of the country, so here are some other good insurers worth checking out.

Erie Insurance

If you live in the South, Midwest or Mid-Atlantic regions, Erie Insurance is worth your consideration. Erie has consistently received high marks from J.D. Power and Consumer Reports. In 2019, Erie Insurance ranked first in the Mid-Atlantic region in J.D Power’s annual study.

The reason it didn’t make it into our top five recommendations is due to limited availability — it only serves residents of Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and certain parts of the District of Columbia.

Outside of that, Erie is one of the best commercial auto insurers, offering policies that come standard with coverage for road service, lawyer fees, and loss of earnings. It also has comprehensive coverage options that include extras such as money toward rental cars after a crash — which is an add-on policy with most insurers.

Auto-Owners Insurance

Auto-Owners Insurance is available in 26 states located primarily in the South and Midwest. It uses an agent-only model that promotes customer relationships, so it’s a great choice if you prefer talking to a human being. The company also scored a nearly perfect score in J.D. Power’s 2019 satisfaction report, falling short only in the realm of its rental car experience.

Here are the states where Auto-Owners Insurance operates: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.

1. That time a waitress punched her for no reason:

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2. That time she asked what an Emma Rock was:

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3. That time she claimed

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4. That time she renamed a hurricane:

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5. That time she begged for even more fans:

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6. That time she attempted to meet Chris Brown:

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7. That time she got pissed at Amanda Bynes due to the fact that she needed to go to jail and also Amanda didn’t:

That time she got pissed at Amanda Bynes due to the fact that she needed to go to jail and also Amanda didn't:

 

8. That other time she begged for even more fans:

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9. That time she asked a website to want her happy birthday celebration:

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10. That time she had slim snacks with Girl Gaga:

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11. That time she brought all her dramatization to Twitter:

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12. That time she brought all her dramatization to Twitter:

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13. No, truly. Lindsay Lohan always brought her dramatization to Twitter:

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14. Seriously, Lindsay Lohan invented messy Twitter drama:

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15. That time she clarified that her finger was duped:

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Here are a few of the most expensive houses for sale in Lake Travis – visit the site to find out more

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Here are a few of the most expensive houses for sale in Lake Travis

If you are curious as to how much you can expect to spend when looking at Lake Travis homes for sale in Texas, then you should check out the recent listings. Not only can these give you an idea of the top end of the pricing structure that you could be looking at when moving here, but you can try and keep your budget under this amount. By knowing how much you can spend – and the upper limit of your price range – you can help negotiate with realtors to find the perfect deal for you and your new house!

After all, you want to make sure you can negotiate the best deal that works for you, your space requirements, and your budget concerns. By narrowing down the list of housing options to the top few, you can make a selection based on the amenities, location, neighborhood, and feel of the house. Let’s see a few of the high-end options that are currently on the market when it comes to Lake Travis homes for sale so you can get an idea of the luxurious houses for sale in this local area. You can also visit the site here to browse endless options for your dream house.

5 examples of luxurious Lake Travis homes for sale

To get an idea of how much you might spend on Lake Travis homes for sale, here are a few of the top-end listings to consider when looking at houses in this general vicinity. Before buying a house in Lake Travis, do your research on the current housing prices, the upper limit of prices, and the average price per square foot!

Indian Mound Road, Spicewood

Located in Spicewood, TX near Lake Travis, this 5 bedrooms, 6 bathroom, and 2,322 square foot house comes in at just under $1.4 million! For those who have large families and can afford to splurge on a new house, this could be the home of your dreams. Situated as lakefront property, this home contains central heating, has central air, is on 1 floor, and is conveniently positioned right on the Barton Creek lakeside. Equipped with a 55’ boat dock, jet ski ramps, covered porches, and 420 feet of a screened-in porch, this house is great for outdoor lovers.

Pedernales Canyon Ranch, Spicewood

Located in Spicewood just outside of Lake Travis, this $1.2 million house contains 3 bedrooms, 3 bathrooms, and 2,395 square feet. With big square footage, this home is good for growing families who are continuing to grow in size! With plenty of acreages, interior office space, modern kitchen appliances, large dining areas, spacious bedrooms, and a full-size deck, this 2-storied home is a good choice for those who want a gated and private community.

The Hollows on Lake Travis, Jonestown

Located in Jonestown, TX, this $1.15 million home contains 4 bedrooms, 4 bathrooms, and a whopping 3,694 square feet! Costing around $312 per square foot, this house contains .5 acres, is close to the local Lago Vista school district, contains a gourmet kitchen, and features 2-story sprawling ceilings.

Reserve at Lake Travis

The Reserve at Lake Travis home costs just under $3 million for a 7 bedroom, 7 bathrooms, and 4,320 square foot house! This resort community contains over 300 acres of sprawling acreage and hillside, ideal for families who enjoy being outside. Located in Spicewood, TX, this private community contains various swimming pools, outdoor community areas, indoor amenities, and much more.

Northshore on Lake Travis

For the most opulent option, you can check out the Northshore on Lake Travis community. Located near the marina, this sprawling community has various properties to choose from that can work with your budgetary and site needs. For those who are looking at Lake Travis homes for sale and do not have an upper price range limit, consider looking at Northshore homes.

Conclusion

If you’re considering looking at Lake Travis homes for sale, make sure you have an idea of how much you could spend on your home before putting down a deposit. By having a general price range, you can make smart financial decisions regarding your future! Make sure you take into account your current financial situation, how much you can afford to spend, and the best neighborhood for you. Some of the most luxurious neighborhoods are the North Shore neighborhood, Spicewood, Reserve At Lake Travis, and Pedernales Canyon Ranch.

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How Smart Home Tech Can Help Older Adults?

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How Smart Home Tech Can Help Older Adults?

When it comes to technology, we can think of anything possible, but convenience is the first thing that hits our minds. In the past two decades, we have seen rapid growth and transition in technological advancements from high-speed internet to smart home technology.

Smart home technology is gaining massive traction among homeowners due to the convenience and availability of the internet in every home. Apart from handling smart home devices, high-speed internet is vital for controlling smart home technology as well. People living in New Jersey, New York, and Connecticut can trust Optimum internet for optimal speed without bandwidth throttling and data caps. That means you don’t need to stop gaming or turn off your smart devices just because you are running out of data. Stream as much as you want without sacrificing the picture quality.

With the adoption of smart home technology, people can customize devices according to their schedules. For instance, a smart thermostat can be controlled and managed from anywhere without spending relentlessly on heating and cooling bills.

With so much to do, smart home tech besides bringing convenience to individuals is also beneficial to older adults. How is it helping older adults, let’s have a look at it?

Tireless Daily Routine

Smart home devices need only a few tweaks to install and set up on your device. Once set up, everything is just tapped away. Most of the smart home devices are programmed to schedule according to one’s preference and convenience.

When it comes to older adults, some of them might forget to take medicines while others might not switch off lights before going to bed. With smart home devices, older adults can schedule medicine reminders on Google Assistant or Amazon Alexa devices. Moreover, smart lights can be scheduled accordingly to turn off timely without wasting energy.

A smart home hub allows you to connect all the devices. Older adults might find it struggling to control the devices manually. However, with smart home hub can save an extra trip to turn on and off smart appliances and lighting without moving. Most of the smart home systems work with smart speakers and third-party devices. Older adults need a mobile app installed on either their iPhone or Android.

For instance, Google Home or Amazon Echo can be used to control different devices either through mobile apps or with voice assistants. Moreover, you can also find dedicated hubs similar to Samsung SmartThings.

Hands-free control

Older adults normally suffer from different pains and aches due to aging. It is sometimes too painful to get up from the sitting position and perform the activity. If you or anyone from your family is suffering from such pain, then the time has come to invest in smart home devices to automate your home. Without draining physically, one can use voice to control different objects.

In recent years, people have purchased Google Smart Speakers and Amazon Echo devices to control their smart home systems. The devices can act as smart hubs, allowing them to connect devices of the entire house. Virtual assistants integrated into the form of Siri and Alexa can help older adults to perform various tasks such as setting reminders, answering the question, activating smart devices, listening news, playing music, and audiobooks.

Optimal Safety and Security

When it comes to older adults, they don’t have fast reflexes as they had in their early adulthood. It means that if any of the unwanted guests come to their home, they might not be able to make them run away. Security and safety of the home is an integral part and without smart home automation and devices, it might not be possible to achieve an optimal level. Some of the simple and effective systems that older adults can rely on are smart locks, smart doorbells, and smart cameras. Not only do the smart devices help in protecting the home from burglars and intruders, but also useful in alerting in case of fire eruption, flooding, and sparking.

If you are searching for the best system to ensure the security and safety of older adults, then Vivint and FrontPoint are good enough to fulfill your needs. The brands are renowned and trusted among buyers for professional monitoring. In case of any emergency, the system notifies you to check the problem on your end.

Nowadays most smart locks have emerged in the market. These smart locks can easily be controlled through the app without having keys. You don’t have to worry about keeping your keys secure or misplacing them anywhere else. All you need is a smart lock device to lock and unlock the door. If some guests have arrived at your place without your presence, don’t worry, you can give them a guest passcode to enter and exit home.

Securing and protecting your home in today’s era isn’t difficult at all. It is possible without any human intervention. As older adults are not able to do much physical activity, the smart doorbell can be a great addition to the home. With a smart doorbell, adults can look who’s outside and answer them as well. When it comes to older adults, all of these smart security devices can prove to be helpful and add convenience to their lives.

Summing Up

Technological advancement has helped make lives easier. When it comes to smart home automation and installing smart devices, all you need to do is configure it rightly and control devices through voice or by installing the application on your smartphone.

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How to find the best concrete repairs specialists in Fredericton?

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Concrete repairs are necessary when the concrete underneath your asphalt has deteriorated. Concrete is a mixture of cement, sand, gravel, water and other additives. It sets into a solid mass when it dries through a chemical reaction between the cement and some of its constituents. As time passes, specific agents affect this process, and dry concrete changes its characteristics – thus altering how it retains moisture and behaves in rheological terms (how it flows under pressure). Some of these agents are water, frost, temperature cycles or even pollution from urban traffic. The biggest culprit however remains water seeping up through the sub-base and soaking into the road surface due to inadequate drainage system within or outside your premises. Hence why roads located at the bottom of buildings or slopes are more susceptible to these problems.

Is it a DIY Job?

If the repair seems to be a fairly simple thing, then repairing it on its own may not be cost too much for most homeowners. However, if your garage flooring needs concrete resurfacing and you also want to extend the life of this surface and add some color and texture to old boring look of concrete, then we would recommend you to use the services offered by professional concrete repairing companies in Fredericton. While still, you can discover some do-it-yourself solutions for restoring damaged areas on-premises like footpaths or driveways etc.. If any damage is large enough, requiring more than just superficial patch up, it is best to hire professional concrete repairs specialists.

Benefits of Professional concrete repairs

Looking for concrete repairs contractors would be a good idea as well for homeowners who would like to repair their gray and ugly looking driveway or garage pavement with some extra features without having to spend huge amounts of money on labor costs. Moreover, professional concrete repairs companies know how to tackle various conditions and give you the most effective solution for concrete resurfacing without damaging the existing surface.

Concrete repairs experts will just require a couple of hours to make sure that your old undesirable looking surface is ready to serve you for many years ahead with attractive texture, color and base protection! The longevity of the concrete surface is also ensured when it is coated with special resin-based sealants, which keep the porous flooring safe from any further cracks or damages. To get updated about the best services offered by top-notch commercial and residential coatings contractors Fredericton, we recommend checking their websites out to get some important information right away before starting working on the surface resurfacing project in your garage or driveway.

Here are some tips which can help you to find the best concrete repairs in your area.

  1. Check out reviews and ratings of companies on Yelp or other review sites
  2. Ask friends, family, and neighbors for recommendations
  3. Look up the company online to see their portfolio
  4. When calling a company, ask them about their experience repairing concrete and what they specialize in (e.g., driveways, sidewalks)
  5. Get at least three quotes from different companies before making your decision
  6. Consider whether you want someone local who will come to your home or if you’re going to meet them somewhere near where the work needs to be done (e.g., Home Depot parking lot)

Furthermore, it is crucial to note that concrete repairing companies have been working with all kinds of surfaces for many years, and they are aware of every single thing required for successful performance. As soon as you decide to make use of their coating services, it is recommended not to interfere in the process when trained professional technicians begin working on driveway or garage surface restoration project.

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