GEICO Insurance vs USAA Insurance vs PROGRESSIVE Insurance Compared.

GEICO vs USAA vs PROGRESSIVE Insurance.



Yes, switching to GEICO is one way you could do that so I’ve been covered by USAA for my car insurance for over 10 years now.

I have coverage on my 911 my wife’s Mercedes and the Porsche Cayenne for both myself and her and currently, my premium is $3,200 per year.

Now I thought this was a pretty good deal because I had always gotten really competitive rates with USAA but I got curious and I decided to get additional Car Insurance Quotes from other companies.

So I went onto GEICO’s website and I built a very similar Insurance policy to what I have with USAA. It came out to $400 per year cheaper than USAA this is a really big amount of money on Car Insurance.


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So I was really happy to see I could save $400 but then I got curious to see if I could save more money so I started playing with a GEICO quote.

I quickly realized that there were some options I had on USAA and Geico that were extremely expensive so the first was medical payments.

Medical payments were actually costing me about 20 bucks per month on USAA and GEICO so let me explain what medical payments are.

Medical payments are additional payments the Insurance will make to you in case you are hurt. However, if you have really good health Insurance you don’t really need medical payments.

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The medical payments premium is pretty expensive for both GEICO and USAA and adding about three hundred bucks per year just for medical coverage which I really didn’t need.

So I decided it slash out next I’ve been sided to take a look at no deductibles for glass coverage.

I thought no deductibles for glass coverage was a good idea because in Arizona you have a really high chance of getting a rock chip on your windshield.

However, I didn’t realize having no deductible for a glass coverage was so expensive so when I took this off the GEICO policy it actually reduced my annual premium by another $300 per year.

Also paying through our third glass coverage per year really doesn’t make sense because that’s almost enough for me to get a new windshield on pretty much any of my cars.

Additionally the chances of me requiring a new windshield it’s not that high. If the chip you get on your windshield is repairable your Insurance company is not going to replace your entire windshield.

With standard comprehensive Insurance, your Insurance company would already pay to repair the rock chip.

Anyways so after I removed the medical payments and a no glass deduction from the GEICO quote I was able to build an Insurance policy of $900 per year cheaper, this is a really big amount of savings and really I was just overpaying for coverage that I didn’t need.


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It didn’t really stop there after I got the quote from GEICO I wanted to see how much further I could get my Insurance now so I went ahead and got quotes with different Insurance companies most Insurance companies could not beat GEICO’s prices.

However, I tried PROGRESSIVE and I was really really Surprised so with better coverage going with PROGRESSIVE. I was able to get a quote for all three cars for just $1,800 per year compared to the $2300 per year for GEICO and the $3200 per year for USAA.

Now I wanted to make sure I had an apples-to-apples comparison so I also took off some options from a USAA coverage to see how far that would go.

I went ahead and got rid of medical payments and a no glass deductible and USAA was able to get down to $2900 per year but this is still much higher than the $2300 per year for GEICO and the $1800 per year for PROGRESSIVE.

Summary

So let’s do a recap of what I learned here. firstly don’t assume that your Insurance company will continue giving you the most competitive rates even though it may have started out that way you probably want to price out different options at least every year just to make sure you’re getting the best rate.

Even if you aren’t you can take the new quote that you got you can call up your Insurance provider and let them know. In some cases, they might be able to match what other companies are offering or maybe even beat it.

Understand that what coverage types and how much coverage you need in different categories you don’t want to be underinsured because if you get into an accident you might have to pay a good amount out-of-pocket and this could really set you back financially.

On the other hand, you don’t want to be really over-covered as well because then you’re paying for coverages that you don’t really need and you won’t ever get a chance to use their art or take advantage of other methods to get your Insurance premium down.

So one if you pay your Insurance premium all at once upfront you’re probably going to get a discount versus paying installments. That’s a good way to save additional money off your premium.

Also if you had the chance to get accident forgiveness I highly recommend this one it might cost you a $100-$200 per year. But if you do get into an accident and it’s your fault you could definitely see much larger increases in your premium.

Take a look at your deductibles to ask yourself if paying a $100 deductible is really worth it because for you to kind of reap the benefits of that you’re going to have to get into an accident and in that case, your Insurance premium is going to go up.


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So, I wouldn’t recommend going as low as a one hundred dollar deductible unless it really doesn’t cost you that much more.

For me, I go with the $100 deductible because I have a pretty good driving record and I’m willing to pay a higher deductible in the event of an accident versus paying a higher premium year over year.

Conclusion


I guess the Final Tip is to continue to drive safely. Don’t get any speeding tickets or anything like that because ultimately that’s going to raise your premium more than you know overpaying for Insurance or not going with the right company.

https://www.wikibliss.com/2019/03/geico-insurance-vs-usaa-insurance-vs.html


So I’m really curious about what Insurance you have how much you’re paying and I also want you to go out there get a few quotes and then choose something which best suits you.


Thank You and Good Luck.

Metromile Insurance Company

Metromile Car Insurance Company

Expands Leadership Team because it Continues To Shake Up motor vehicle Insurance

Metromile


Metromile, the company transforming car insurance, announced the appointment of four new hires to its executive bench:


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Jeff Briglia as Chief Insurance Officer (CIO)

Bhanu Pullela as Chief Marketing Officer (CMO)

Jason Altieri as General Counsel

Debra Jack as V.P. of Communications

Pay-per-mile car insurance provider Metromile saves customers an average of $500 a year.

Briglia is Metromile’s first-ever Chief Insurance Officer. He oversees the company’s well-established actuarial, Insurance product management, and underwriting teams across Tempe, AZ and San Francisco, and will be growing these teams in the coming months.

He’ll conjointly work closely with the in-house team behind AVA, the first of its kind, AI-based claims assistant, which is involved in about one fourth of Metromile’s claims and

quickly evolving into an end-to-end virtual experience.

Briglia joins Metromile with nearly two decades of Insurance experience, having held senior positions at Progressive, Allstate, and Mercury. Throughout his fourteen years at Progressive, he held a number of leadership roles.

Most recently, he led its Special Lines Division portfolio, which insured more than four million customers and generated well over $1 billion in premium.


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At Allstate, he helped transform the company’s claims operation model, generating significant benefits for the company.


“Following our $90 million Series E last August, we’ve accelerated our growth in a number of areas. Most notably, we’ve deepened market share for our core consumer auto insurance product and built a strong foundation for our emerging enterprise business, which licenses Metromile’s technology to other insurers,” said Dan Preston, CEO of Metromile.

“Our new executives join an existing strong bench; together, we’ve created a powerful, unmatched team across tech, insurance and financial services,” he continued. “We’re comprised of veterans from Progressive and Liberty Mutual alongside Atlassian, Lending Club, Roofstock, Schwab and SoFi. We’re as equally focused on loss ratios and profitability as we are on customer experience and technology innovation. You can’t find that elsewhere.”

As CMO, Pullela leads the company’s promoting organization, sets strategy for scaling growth, and builds the brand to reflect Metromile’s values.

He joins from Wells Fargo, where he served as SVP of acquisition marketing for its credit card business.

A seasoned promoting skilled, he’s brought together customer insights, cutting edge machine learning/big data targeting strategies, and integrated marketing campaigns to drive business growth at leading consumer financial services

Companies as well as Capital One, Citibank and Liberty Mutual Insurance.


As General Counsel, Altieri oversees the company’s legal, government affairs and compliance departments. He joins Metromile with 20 years of extensive legal, compliance and operational expertise in the fintech sector. Previous positions include serving as chief legal officer, chief compliance officer, and head of operations for Roofstock, Inc., as well as general counsel and chief compliance officer at Lending Club, which he helped take public in 2014.

He’s been recognized as a “Best company Counsel, Private Companies” by the Silicon Valley Business Journal and San Francisco Business Times.


As V.P.

of Communications, Jack oversees Metromile’s corporate, consumer and internal communications.

Over 20 years of experience working with high growth consumer companies. Serving as Metromile’s first senior head of communications.

Before moving in-house, Jack spent more than a decade at Edelman, the world’s largest privately held communications agency.


Metromile is currently available in Ariz., Calif., Ill., N.J., Ore., Pa., Va., and Wash., and plans for state expansion. Through the company’s Enterprise Business group, Metromile licenses its innovative Customer Experience, Fraud Detection, and AI platform to insurers around the globe. For more information, visit metromile.com or follow Metromile on Facebook, Twitter, and LinkedIn.

Metromile


About Metromile


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It is the leading pay-per-mile car insurance company in the U.S. Powered by data science and machine learning, they are disrupting a $250 billion Auto Insurance category.

They are building a loyal community of drivers who come for the savings and stay for the experience. In August, 2018 they secured a $90 million Series E investment led by Tokio Marine and Intact.

AVA, Metromile’s AI-driven claims system, is designed to speed up the process of verifying and paying out insurance claims.

Using Metromile Pulse detector information, AVA can reconstruct the scene of an accident to instantly determine if claim details are accurate.

When the claim is verified, Metromile is ready to mechanically approve payments among seconds.


Yoga For Stress-Yoga for Anxiety|Yoga For Stress Management(Overcome Stress)2019

Yoga For Stress Management-Yoga For Anxiety and Stress.



Learn Yoga to Relieve Anxiety, Stress Management through Yoga,
Yoga for Stress Management and Relaxation, Yoga for mental Stress,
Stress Management Tips, What is Stress Management and How to Overcome Stress.

Do you find yourself regularly taking work home or coming into the office extra early to catch up?


Are you working too hard? How many hours a week do you spend at work – 30, 40, 50 maybe 60 hours?


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yoga for stress management



If you are a working woman, you probably have to come home, cook dinner, sort out the laundry, help your children with their homework or pick them up from an after-school activity. It is almost as if you have a “second night shift” when you come home.

Some men do assist with the household chores but generally, even in this day and age, women generally carry the major burden of domestic and childcare/parenting roles. All of this adds to you feeling exhausted, tired and drained when you go to bed.

You may desire to live a simpler life, to spend more quality time with your family, to work fewer hours or even change jobs and retrain and follow your childhood dream job.

However, with the increased cost of living, higher medical bills and the ever real threat of redundancy and unemployment it is difficult for you to take time to rest, relax and reconnect with family and friends.

Constant overworking and lack of rest affects your physical, emotional and spiritual health and well being. When was the last time you cooked an evening meal and ate it with your family, undisturbed by the television, computers or even text messages?

This steady pressure and sense of rush pervade all life and if left unchecked leads to anxiety, depression, stress-related disorders, and even alcoholism and drug dependency.

What can you do to manage your time more effectively? To protect your body from physically breaking down and your mind from crashing in with all the demands placed on you. Yoga For Stress Management

Yoga, an ancient form of health care could well be the modern panacea – a way for you to finally beat stress and gain more control and balance in your life.

Also Read: Yoga For Beginners At Home

Here are five benefits you gain when you practice yoga as a way to reduce stress and tension in your life.


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1. Yoga

Offers you a holistic approach to dealing with stress. Yoga exercises, breathing techniques, and relaxation affect your mind, body, and spirit.

2. Yogic breathing exercises

It helps to calm your nervous system and increase oxygen levels and blood supply to the internal organs, all of which leads to a deeper sense of calm, inner peace and balance.

Learning how to breathe correctly is a wonderful skill you can use anytime during the day when you feel overwhelmed, confused and anxious.

3. Yoga Poses

It helps to release blockages and stimulate and energize your body. Yoga For Stress Management

It works on the energy centers (chakras) and as energy is released, it flows easily and readily through your body; so you have more energy and vitality to cope with demanding tasks.

4. Yoga exercises



Detox your body and can help to speed up the removal of toxins and bacteria in the body. Twisting poses, in particular, give a deep and gentle massage to the internal organs of your body.




5. Meditation techniques


Deepen your experience of relaxation and rest. During meditation, your body undergoes certain physiological effects which counteract the negative effects of stress.



Your brain activity slows down because there is an increase in alpha brain wave activity and your heartbeat and breathing rate slow down and blood lactate levels drop.







As you can see, yoga helps to De-Stress you on a physical, emotional and spiritual level. Regular practice will empower you to release stress quicker and regain a deeper sense of calm, balance and happiness in your life. But try Yoga For Stress Management and see what difference it makes to your ability to cope with stressful situations.


Thank You for Reading 🙂 Please Share.


6 Best Easy Tips-Yoga For Beginners At Home(MARCH 2019)

Yoga For Beginners at Home

If you are keen to develop your yoga practice, Yoga For Beginners At Home is a really good idea to practice yoga at your comfort zone. Nothing heavy, you can start off with doing a couple of your favorite poses and gradually build up from there.


A lot of people are put off practicing yoga by themselves at home as they enjoy the group energy and instruction from a teacher. Also, if you are a busy mum or business entrepreneur it can be difficult to find a class that fits in with your schedule.


However, there are times when it is more convenient for you to practice at home, especially if you have small children and money and/or time pressures. When you practice at home, it can be tricky to stay motivated and easy to be distracted and side-tracked by domestic duties or family commitments.


To assist you in getting the most out of your home practice by this Yoga For Beginners Tips But you must follow the Six guidelines below. Once you have these structures in place, it is easier for you to start your practice and keep it going.


6 Easy Ways to Practice Yoga at Home



1 – AIM TO DO A LITTLE BIT OF YOGA EVERY DAY

For most people, finding time to practice at home can be difficult. If you are time-pressed, try waking up 5 – 10 minutes earlier and spend that time doing a few gentle stretches in bed. Before you go to bed, a few rounds of yoga breathing exercises is a pleasant way to help you clear your mind and release tension from your body.

2NOT TO SMOKE BEFORE DAILY PRACTICE

If you are a smoker, try not to smoke until you have practiced. This makes it easier for your body to receive the maximum benefits from your practice. You may find that you feel so relaxed after practicing that you do not need to smoke. These Small Steps of Yoga For Beginners at Home will Surely Help You Overcome Your Cravings and Addiction.

3 – MAKE A SEPARATE PLACE FOR DAILY PRACTICE

If possible, it is best to have a room/corner of your house devoted to your practice of yoga and to no other purpose. Place flowers and pleasing pictures in the room/space. Encourage your family to respect your space and only allow them to enter if they will remain quiet and respectful when you practice.

4 – INVEST A LITTLE BIT ON YOGA MAT AND YOGA PANTS

Invest in a good quality yoga mat and set aside a spare pair of yoga pants and top to wear specifically for your practice. When you roll out your mat or put on your home yoga practice clothes you send a message to your brain and to the universe that you are ready and willing to commit to your practice.

5 – DECIDE HOW LONG YOU ARE GOING TO PRACTICE

Decide how long you are going to practice. Set a timer and try to stick to it. It is better to do 2 minutes of focused yoga or 5 minutes of breathing exercises, than to wander aimlessly through a 20 minute sequence.

6 – SIT IN A STRAIGHT POSTURE

The first thing to do before you start your sequence is to calm your mind and relax your body. A few minutes quiet inner reflection, maybe saying a prayer, an affirmation or three rounds on OM, encourages your body to relax and your mind to settle into your practice.


Once you get into the habit of following steps you will find it easier to practice yoga at home. Regular practice will help you to feel upbeat, cheerful and more able to cope with the different demands made on your time. Enjoy this Yoga For Beginner At Home Steps and I would love to know how you get on…



Yoga For Beginners|Gentle Yoga – Live a Healthy Lifestyle

During a recent Yoga for beginners|Gentle Yoga lesson with one of my new students, she said she wanted to know what other changes she could make in her daily life to improve her health.

So, She Understands that her Gentle yoga practice and The Yoga For Beginners Techniques is just one aspect of living a healthy and happy lifestyle.


To live a holistic and balanced lifestyle, one needs to include relaxation, wholesome foods, breathing, and positive thinking into your daily routine.


Also Read: Yoga For Stress Management


Yoga For Beginners

5 Useful Habits To Live A Healthy Life


1. Proper Exercise

Proper Exercise is one of the five basic points of yoga, as taught by Swami Vishnu-devananda, founder and Guru of the International Sivananda Yoga Centre.

Yoga exercises designed to promote flexibility, strength and balance in the body. In yoga, physical body is viewed as the vehicle in which the spirit lives. Yoga activities ought to be done consistently to improve one’s Spiritual and mental life. Benefits of Yoga if Mixed with Some Good Meditation Techniques can work wonders.

Yoga exercises known as Asanas, which means steady pose. As you become more attuned to yoga, you are more able to ‘hold’ i.e. be in a pose for a longer period of time.

Through the practice of yoga your body becomes more flexible, stronger and supple. The postures bring balance to the body, especially to the muscular-skeletal which supports the body.

Muscles starts getting more relaxed and starts to allow the flow of new Energy which will help you mentally and physically even emotionally to be more stable and balanced with better emotional state.


Yoga For Beginners


Yoga exercises focus on developing a strong and supple spine. You may be aware of the saying “you are as young as your spine.” The spinal column houses the nervous system. Performing Stretching exercise will lead to a better blood flow, which helps to nourish the nerves with a rich supply of nutrients and oxygen.

2. Proper Breathing


In yoga, proper breathing, known as pranayama, means breathing fully, deeply and rhythmically using the whole of your breathing apparatus. Most people use only a fraction of their lung capacity for breathing.




When you practice yoga you learn how to breathe properly. This is a precious gift you give to yourself. When you feel stressed, frustrated and tired a few round of deep yogic breathing helps to recharge your body and clear and calm your mind.





3. Proper Relaxation

We lead stressful, busy and full lives. Many of my yoga students come to yoga as a way to learn how to relax and release stress and tension from their body. In yogic relaxation, have to relax in shavasan, the corpse pose. This promotes deep physical, emotional and spiritual relaxation.



After a busy day at work, I encourage my students to rest and relax for 10 – 20 minutes when they get home. This helps the body to let go of the stress and tension of the journey home and frantic pace of work.

4. Proper Diet

Yoga encourages you to eat a nutritious diet which is based on eating wholesome, natural and simple foods, e.g. whole grains, fruits, pulses, seeds, sprouted seeds, nuts and vegetables because these foods are easier for the body to digest and have a calming effect on the mind.



5. Positive Thoughts and Meditation


A positive attitude plus the ability to calm and clear your mind is an essential habit to cultivate to help you lead a healthy, balanced life. So, Meditation is the key to help you achieve this state.

Also Read: Yoga For Beginners At Home




Regular practice of these five habits will help you to live a happy, healthy and relaxed life. It takes time to change, but with regular practice you will live the healthy lifestyle you desire. Let me know how you get on. I would love to hear from you and support you achieve your health goals.