6 month old blind pup begging to be saved from deadly shelter

The 5 Best Auto Insurance Companies [2019]

Driving around with worthless, outdated auto insurance coverage is like having no insurance at all. Your coverage could use an upgrade soon before the unthinkable happens. If you have overlooked getting better auto insurance and the cost may be weighing you down then it’s probably time to set things straight.

4 Ways to find the best auto insurance
Consider that every person’s needs differ so coverage will vary from one person to another as well. The best auto insurance for you may not be as good for another. It’s always important to do your research before you choose a cover. Remember the following tips:

Get to know auto insurance from your state’s insurance department website. Every state has different rules on auto insurance coverage. Find out what your requirements are by checking these from your state’s official website.
Research on the financial rating of the insurance company. Your state’s department insurance will surely have a list of their most trusted companies. You can also check these out from their official website.
Check online reviews from customers. Some online review sites offer unbiased reviews for different insurance companies. Be sure to check these out when you shop for car insurance.
Compare rates from different car insurers. Never settle for the first insurance company you find. Check reviews and compare different companies to get the best value for your money.
5 best auto insurers of 2019
Now that you know how to find the ideal auto insurance companies, here is a comparison of 5 great car insurance providers.

1) Progressive
Progressive Insurance has been on the top of the list of the best auto insurance for years now. This insurance company has a strong customer base and great reviews online. Its formula is based on competitive pricing which is why, as we speak, there are more than 18,000,000 drivers on the road under Progressive’s cover.

Why Progressive for auto insurance?
Progressive wants drivers to feel secure and at the same time happy that they have an affordable and practical insurance package. Currently, they have some impressive discounts like the pay-in-full discount, safe driver discount, and the multi-policy discount as well. Progressive also lets you bundle all your insurance products under one roof. They can save you as much as 5% when you bundle your home and auto insurance.

The company even has their Snapshot program, a new rewards program that offers more savings for drivers for good behavior. And if this won’t make you think twice, Progressive even has the Name Your Price promo which lets consumers name their price.

Current auto insurance coverage from Progressive
There are customizable packages to help customers buy only the coverage they need.
Coverage for body damage and property damage. This is needed to protect you and other drivers if you cause an accident.
Uninsured or underinsured bodily injury. This is important if you’re involved in an accident caused by another driver who has no limited insurance coverage.
Medical coverage to protect you against post-accident medical care.
Collision coverage that pays for car repairs if you’re involved in an accident.
Comprehensive coverage that includes payment for car repairs in case your car is damaged by something than an accident such as fire or vandalism.
Uninsured motorist property damage. This is coverage for car repairs if you’re involved in an accident caused by an uninsured driver
Roadside assistance. This pays for towing, and roadside help in case your car breaks down for any reason.
Rental reimbursement. This pays for up to 30 days of a rental car as your car is being repaired in a garage as a result of an accident.
Loan or lease payoff or gap insurance which pays for up to 25% over the actual cash value toward what you still owe if your vehicle has been declared a total loss.
Pet injuries. This is payment for any vet bills if your cat or dog is hurt in an accident.
Custom parts and equipment replacement coverage. This will pay for the repair or the replacement of any custom part of a vehicle including paint, stereos, TVs, phones, grills, spoilers and so many more.
SR-22. Progressive offers SR-22 coverage for people mandated by their state.
Expect the following discounts, and more when you choose Progressive
“Name your price” program and Snapshot tool
Multi-policy discount. You can save 5% or more when you bundle auto insurance with other Progressive’s insurance products.
Snapshot program where you can save money by sharing your driving habits.
Homeowner discount. Save money on auto insurance if you own a home or condo. This is valid even if these are not Progressive-insured.
Continuous insurance where you can save based on how long you have consistently maintained car insurance with no gaps or any cancellations. This is valid even if your insurance is not Progressive.
Online quote discount where you save an average of 7% when you apply online.
Safe driver discount where you save an average of 31% for a clean driving record with no violations within the past three years.
Multi-vehicle discount where you can save up to 10% when you have more than one vehicle under the same policy.
E-sign discount where you can save an average of 7% when you sign policy documents online.
Paid in full discount where you can save money when you pay for your policy in a lump-sum payment.
2) QuoteWizard
We advise you to compare rates from different insurance companies. This is the best way to find the ideal auto insurance product that will suit your needs. This is also what QuoteWizard wants to point out. QuoteWizard is one of the biggest independent insurance lead companies in the US. This has a convenient tool to help find quotes coming from different companies.

By comparing quotes from different companies, you will be able to learn what different companies can offer. The first step is providing your zip code because this is how QuoteWizard finds the best product for your needs. Next, you need to input your car’s make and model and any additional vehicles you may want to bundle. Doing so can save you up to 20%!

Why rely on QuoteWizard for auto insurance?
QuoteWizard links people to the insurance provider that matches their needs. They can do this by asking a series of questions about your vehicle or vehicles, any previous car insurance products you may have as well as your age and birthdate. You will also be asked if you wish to add other insurance products like home insurance or renters insurance because QuoteWizard offers discounts if you do.

Current auto insurance coverage from QuoteWizard
Providers include Esurance, American Family Insurance, Allstate, Farmers Insurance and 21st Century Insurance. Insurance rates vary depending on your state or where you are located. Visit QuoteWizard’s official website to input your zip code, the make, model and year of your vehicle and other vital information to get a personalized auto quote from QuoteWizard.

You will be able to get discounts when you bundle your car insurance with your home or renters insurance. If you are looking for affordable insurance options, QuoteWizard can find the right insurance product for you with the cheapest rates starting from $19.

3) State Farm
State Farm is a pillar in the insurance industry. The insurance company started in 1922 and is known as one of the most stable with a reliable service. There are actual physical State Farm offices found across the country. There are also insurance agents that help people from different cities across the US as well.

Auto insurance packages from State Farm are also very affordable with rates and features that are unmatched by other insurance providers. Experts in insurance services also say that you can count on State Farm is perfect for private passenger car insurance. At the moment, there are about $40 million premiums by State Farm.

Why use State Farm auto insurance?
State Farm has gathered public trust because of the presence of local offices in most cities in the US. Having actual agents that you can talk to is another plus. You will be able to quickly consult any questions about State Farm’s products and services. Aside from this, State Farm also has a user-friendly mobile app and website which makes it a lot easier for anyone to check his insurance payments and any inquiry about his policy. Still, this makes it easier to gain consumer’s trust. And when it comes to discounts, you can trust State Farm to give you top discount offers on our insurance premiums especially when you bundle your other insurance products from State Farm. You may also get discounts if you want to insure more than two vehicles. To find out more about the great discount offers from State Farm, visit a local office or talk to an agent ASAP.

Current auto insurance coverage from State Farm
State Farm offers car insurance is all 50 states as well as Washington, D.C.
Collision coverage will help you pay to repair or replace your vehicle if it collides with another car or hits an object.
Comprehensive coverage. This will helps pay to repair or replace your vehicle when it is damaged other than a collision. This is including theft, fire, vandalism or even running over an animal.
Liability coverage. This would pay for another party’s medical expenses, vehicle repairs and property damage if you caused the accident.
Car rental and travel coverage. This includes the cost of renting a replacement vehicle as your car is being repaired inside a shop. Travel expense pays for meals, lodging, and transportation if case you are in an accident that has happened away from home.
Uninsured motorists’ coverage. Helps pay for medical expenses if you’re injured in an accident caused by someone who doesn’t have liability insurance.
Underinsured motorists’ coverage. If someone injures you in an accident, their liability insurance should pay your medical expenses. But if the other person doesn’t have enough liability insurance, this coverage can help.
Medical payment expenses. This pays for any medical and funeral expenses if an insured person is hurt or killed during the accident.
Roadside and accident assistance. Get reimbursed for support, towing and labor costs and rental car coverage required after an accident.
Rideshare coverage. You will get coverage if you drive for Uber, Lyft or other services.
State Farm discounts you must take advantage of
Accident-free discount. You will be qualified for a discount when your vehicle has been insured by State Farm for three or more consecutive years as long as you are not involved in any chargeable accident.
Defensive driving discount when you enroll in a defensive driving course.
Away at school discount. This is discounted rates If one of your insured drivers is a student under 25 years of age who lives at school and only drives while at home while on vacation and during holidays.
Vehicle safety discount is 40% off on medical bills if your vehicle was made after 1994.
Drive Safe & Save is an app that helps you track your driving habits using OnStar on your vehicle. You can get discounts just for signing up and more discounts when you drive.
High-risk auto insurance is all for drivers who have a less than perfect records. If you are a high-risk driver, then talk to an agent for more information about State Farm’s discounts and packages.
4) Esurance

Essuance is from Allstate, one of the most trusted insurance providers in the country. This company lets customers have the opportunity to customize their plans and to create a policy that will fit their driving needs. This company is one of the first then it comes to selling insurance directly to customers rather than talking to an agent.

Essurance makes buying car insurance simpler because of their customizable plans. You will be able to get a quote on the same day.

Why choose Esurance for auto insurance?
This insurance provider prides itself as the “insurance for the modern world,” and it looks like they are doing their best to become a reliable insurance company for modern drivers. You will be able to get a quote and get an insurance policy without talking to an agent for a long time on the phone.

Current auto insurance coverage from Esurance
Medical payments are for any accident-related medical expenses.
Personal injury protection or PIP coverage depends on what state you are located, and this covers any indirect expenses such as nursing care after the accident as well as lost wages.
Comprehensive coverage will pay for repairs if your vehicle is damaged by anything other than a collision or an accident. This covers vandalism or fire.
Collision coverage is for car repairs after an accident.
Emergency roadside assistance covers roadside fees as well as towing fees after an accident.
Rental reimbursement covers payment for a rental car while your vehicle is still the garage for repairs.
Customized parts and equipment pay for any customized car parts and equipment installed in your vehicle such as electronics and performance modifications up to $4,000. This includes your stereo system, entertainment systems, audio, and video modifications and custom paint jobs.
Bodily injury and property damage liability covers you and other drivers in case you cause an accident.
Uninsured/underinsured motorist liability would cover any bills if an accident were the fault of an uninsured driver.
SR-22 or certificate of fiscal responsibility.
Some hot Esuance discounts to watch out for
Multi-policy discount is when you bundle your homeowners or motorcycle insurance with auto insurance under Esuance.
Switch to Esuance and get discounted rates for switching.
Fast 5 discount gives you 5% off by getting your Esuance car insurance quote online
Paid in full discount gives you 10% off when you pay your policy premiums in a single payment.
DriveSense discount is when you use the DriveSense mobile app. You get an instant 5% off. You will get a personalized discount depending on your driving behavior as you use this app.
Good student discount gives you 10% on certain coverage for a student under 25 who can maintain a 3.0 GPA or “B” average on his grades.
Anti-theft discount gives you 5-25% savings for having installed anti-theft systems on your car.
5) Liberty Mutual
Liberty Mutual offers a wide variety of options to get you and your family needs. It provides all the basic auto insurance features like bodily injury liability, property damage coverage, collision coverage, and comprehensive coverage. Get a personalized quote from Liberty Mutual by visiting their official site. You need to enter your zip code so that Liberty Mutual can provide you with car insurance information relevant to your state.

Why Liberty Mutual for auto insurance?
Aside from basic auto insurance coverage, Liberty Mutual is a consumer favorite because of its discount offers. Get discounts for multiple cars insured under your policy, good driver discounts, good student discounts, new vehicle discounts and more. Get the discounts that you deserve when you pick Liberty Mutual for car insurance.

Current auto insurance coverage from Liberty Mutual
Bodily injury liability coverage is coverage for medical expenses as well as legal fees, loss of income and even funeral costs for the other party when you are legally at fault. Costs for legal defense are also covered in case you are sued by the other party.
Property damage coverage is coverage for the cost of repairing property or replacing property that was damaged by your vehicle.
Medical payments coverage covers initial medical coverage that was incurred by you and your passengers. This also includes injuries the cohabitating family members have sustained in another person’s vehicle as well as pedestrians.
Collision coverage is coverage for repairs due to an accident after a collision.
Comprehensive coverage is coverage of any repairs after a fire, theft or after any non-collision damage.
Some of the best Liberty Mutual discounts for you
Multi-policy discount is for multiple insurance products with Liberty Mutual.
New vehicle discount is when you add a vehicle to your policy.
Paid in full discount is a discount when you pay your premium in a single payment.
Safety features discount is for vehicles with safety features.
Multi-vehicle discount is a discount when you have multiple vehicles in your policy
Conclusion
You must shop smart to get the most suitable auto insurance coverage for you and your family. It’s important to review your coverage yearly and if any significant life changes can affect your coverage. Compare plans and check out reviews to get auto insurance that matches your current needs.

York, SC
Today has not been our day.
Here's another... NEEDS IMMEDIATE RESCUE

6 month old male puppy BLIND, POSSIBLY DEAF
from possible hoarding case we are working
Injury under neck.
Seems like one eye might pick up some shadows.

Please contact me immediately if you can assist at Bobbie.Comer@yorkcountygov.com

STATUS : - read comment for update from crossposter
What Is Mortgage Insurance And How To Avoid Paying For It

Unless you’re the son or daughter of a wealthy family, chances are you need to get a home loan for you to buy the house of your dreams.

While the idea of getting a house of your own seems promising, getting your home sweet home may sometimes require you to get mortgage insurance.

Some people will give you a thumbs up upon hearing the idea about mortgage insurance.

However, I think you should avoid paying for it at all costs.

But before we get into the details of what you can do to prevent this kind of expenditure, let’s find out what mortgage insurance is first.

What Is Mortgage Insurance?
The easiest way to purchase a house is through a home loan, but doing so also bears with a lot of risks (i.e. defaulting on the loan). This is the reason why your lender will require you to get mortgage insurance. By doing this, no matter the kind of loss you experience during the loan, mortgage insurance can compensate you back.

If the borrower of the house loan dies or if a natural caused has kept the borrower from paying the credit in the full amount, mortgage insurance will be responsible for paying up for the remaining balance.

But that’s not the only reason people opt for mortgage insurance. If your capacity for the home down payment is less than 20%, house sellers might require you to get private mortgage insurance. Once your payment has reached 20% of the house price, you may already drop mortgage insurance.

Most of the time, mortgage insurance firms require their clients to pay monthly. This means your overall payment will be divided into 12 monthly installments.

How Much Does It Cost To Get Mortgage Insurance?
The amount you need to pay for mortgage insurance will highly depend on the down payment you are willing to settle.

If you have low-capacity for a down payment, you will most likely have to pay a higher rate for mortgage insurance.

It’s important to note that your mortgage loan rate can range from 30 to 115 basis points annually. Aside from your down payment, your credit score and loan term are also determinants of your mortgage loan rate.

It’s also essential to look for different quotes when it comes to mortgage loans if you were to get one. Here’s a mortgage broker I recommend.

6 Reasons To Avoid Mortgage Insurance
From this side of the equation, mortgage insurance looks like a pretty helpful tool for people who are looking to call a place their own home. But let’s look into the reasons you might want to reconsider the idea of paying for mortgage insurance.

1) High Cost
Getting a home loan may sound like you are cutting down on cost, but people who have already bought their home know that it is the other way around.

Getting mortgage insurance will most likely multiply whatever costs you already have with your home loan. You can expect the mortgage insurance to be at 0.5% to 1% interest.

This means if you have a home loan costing at $100,000 loan, you will most likely have to pay $1,000 per year.

At the very least, a family will pay about $200 on mortgage insurance alone. That amount is almost equivalent to what you’ll spend if you were getting a car loan.

2) It’s Not Tax Deductible
If you’re not married to a gross income of higher than $110,000 per year, you could be in trouble of having your tax payments increase.

Add that to the cost of a home loan; and the overall amount might wound up to be too much for you.

3) Your Family Won’t Benefit From It
When people hear the word “insurance,” they immediately assume that their heir or spouse will be given a particular amount of money upon the time of their death. We regret to inform you, however, that this isn’t the entire truth.

If you die before paying the house in its full amount, the lender will be the one who will benefit from your mortgage insurance. If you want to protect your family financially, you would have to get separate insurance.

4) You’ll Need To Pay For Mortgage Insurance For A Long Time
Once your payment has reached 20% of the overall price of the house, that’s the only time you can drop your mortgage loan.

While 20% doesn’t sound like a considerable number from this angle, waiting for your house equity to reach 20% will also take years. This means before having full ownership of the house; you will already be expending a lot of money on mortgage insurance alone.

5) It’s Not Easy To Cancel Mortgage Insurance
Sure, you only have to wait a couple of years for the house to reach 20% equity and then you can drop the insurance. However, convincing the mortgage insurance agency to cancel your subscription isn’t that easy either.

It could take months to years to have your mortgage insurance canceled. For one thing, you need to write a formal letter to the institution stating your desire to have your subscription canceled. That’s not all. Sometimes, the agency would also ask the house construction company to send them a formal appraisal that the house has reached 20% equity.

6) Some Lenders Won’t Let You Cancel Mortgage Insurance
The rule is that when the equity of the house reaches 20%, you are free to drop your mortgage insurance. However, some lenders require their clients to keep paying their mortgage insurance up to its full amount.

With that, it is essential that you read the fine print before you commit to getting mortgage insurance.

Why Not Just Pay The 20%
Some people opt for a mortgage loan because they believe it will be much more cost-effective for them. However, some people were tied into thinking they needed to get a mortgage loan to buy a house.

With that, you need to look into your income capacities. If you believe that paying for the initial 20% for the house is a viable option for you, then we say go for it.

20% can also mean a lot of money, but if you have the financial capacity to do so, there is no reason to step away from it. After all, paying 20% down payment for one time is much more affordable compared to paying mortgage insurance per month with varying interest rates.

3 Ways to Avoid Paying For Mortgage Insurance
1) Put A 20% Down Payment
Getting a home loan is one way to achieve getting the house of your dreams quickly. But there are still people who find it cumbersome for the wallet. With that, insurance companies have found a way to build a bridge for these types of people.

One of the quickest ways to do it is through mortgage insurance because despite not having the financial capacity to cover 20% down payment, you will still get your house.

But for people who do not want to go through paying mortgage insurance, there are several ways to do so.

The most obvious approach is to not apply for mortgage insurance in the first place. However, when it is your first time purchasing a house, there is a high possibility for you to fall into these loopholes where you at first thought that you would need to get mortgage insurance to buy a house.

If that’s the case, another alternative to avoid paying mortgage insurance would be to get a piggyback loan. Doing so will immediately cancel your mortgage insurance, and then you won’t have to worry about paying it.

Another thing you can do is get a VA loan. However, this type of loan is only for military people who are qualified. This means you still need to check with your insurance agent.

You can also get a Lender-Paid Mortgage Insurance. This means the lender will be the one to pay your mortgage insurance. Of course, in return, you will have to pay the lender a higher interest for your home loan.

If those options do not seem to be viable for you, another alternative would be to find a lender who will not require you to get mortgage insurance despite your inability to fill in the 20% down payment. There are plenty of them around. You need to know where to look.

Can’t think of ways to amass that 20%? How about investing with Robinhood?

2) Have Your Lender Pay For Mortgage Insurance
We mentioned in the previous paragraph that one of the best alternatives to avoid paying mortgage insurance is by getting lender paid mortgage insurance. In this section, we will talk about the process more thoroughly.

When buying a house, your best bet on getting an excellent deal lies on two things: one is your credit score. Another thing is your ability to offer down payment.

With lender-paid mortgage insurance, you can buy a house despite having only the capacity to pay 3% down payment. Of course, in return, the interest you will pay the lender for the house loan will be higher. However, in our opinion, a higher interest home loan is much better than paying for mortgage insurance yourself matched with the expenses of getting a house loan.

Getting lender paid mortgage insurance saves you a bit of money compared to getting mortgage insurance alone. However, the moment you decide to get a lender paid mortgage insurance, you can never take it back.

No matter if your house reaches 80% equity, you still need to push through with your lender paid mortgage insurance.

3) Get A “Piggyback Loan”
Another way to opt out of mortgage insurance as discussed a while ago is through getting a piggyback loan. However, for you to get started with this, you need to settle a down payment of 10%.

Usually, you will be arranged for 80% first mortgage, 10% second mortgage, and 10% down payment. But if you are more interested in buying condominiums, the most common piggyback loan would be in the form of 75/15/10. This is because condos are typically a lot more expensive compared to houses.

Most of the time, the second mortgage would be from your original lender. However, there are cases when your lender does not offer second mortgages. In this case, you need to find your own. Your most viable option would be to check with the bank associated with your house loan.

You can also look at other local banks, but you need to tell them firsthand that you are a purchasing a home. On top of that, you also need to decide on a final settling date for your house payment. Before finalizing the process, you need to let the bank know when your closing date is.

4) Meet The Loan To Value (LTV) Ratio
If you have already gotten a mortgage loan and you believe that you already invested enough money on it that just getting a new type of mortgage wouldn’t be worth it, the best thing you can do is to try and meet the loan to value ratio.

This means you have to move forward with the mortgage loan. Once your payment reaches 80%, the lender will automatically cancel your mortgage loan anyway.

5 Lenders That Offer Mortgages Without PMI
Here are some lenders that have programs that sometimes don’t require you to get mortgage insurance.

LoanSnap
An innovative startup in the mortgage space, Loansnap looks at your whole financial picture and recommends a loan that might end up saving you hundreds of dollars a month.

To see if you qualify apply here.

Bank Of America
Affordable Loan Solution Mortgage is one of the most popular services of the Bank Of America. You can get your home sweet home with only 3% down payment. The best part is that you can do so without having to get a mortgage loan.

The only downside is that there is a maximum income limit when getting a home loan here. On top of that, you need to obtain counseling from the professional home counselors of Bank Of America’s network.

That’s not so bad of a requirement. If it is your first time buying a house, you will benefit a lot from getting professional counseling anyway.

Flagstar Bank
Aside from the Bank Of America, Flagstar Bank also stands as one of the biggest international home lenders. They offer what many people call Professional Loan.

This type of loan is only available for people who have high earning potential but is still in stage 1 of their careers. For instance, if you work in a hospital as a nurse or doctor, you will have a pretty good chance of getting a passing mark for Professional Loan. More so, if you work as an executive or lawyer.

Aside from having zero mortgage loan requirements, the Professional Loan also has pretty low down payments.

Neighborhood Assistance Corporation of America (NACA)
If you categorize under the low to moderate incomes here in America, then NACA could be a good option. We think this is the best option whether you are a family guy or a person living by himself.

The reason is that this loan does not require any down payment, no points, as well as closing costs. Most importantly, there is no need for a mortgage loan.

The only downside, however, is that it’s not so easy to qualify for this type of loan. The company is serious about catering to low and moderate income only. With that, it might take a while to convince the company that you are in dire need of a home.

CitiMortgage
If you qualify for this type of loan, you could be lucky enough to get loans up to $453,100. What’s more is that you only need to pay 3% down payment. On top of that, there is entirely no mortgage insurance required to avail of this loan.

It’s important to note that CitiMortgage offers only fixed-rate loans. This means you need to settle fixed payments for several years.

For you to qualify for this type of loan, you need to be knowledgeable about being a homeowner. The good news is that it only requires a small percentage of your time to get familiar with this kind of things.

The rates for this type of loan is not mentioned on their website. So, you would need to visit their office to know if this is a viable option for you. We also recommend comparing the interest rates with other no mortgage insurance loans before you pull the trigger.

Conclusion
Getting mortgage insurance isn’t such a horrible thing. Sometimes, it is your best option to get a house in the quickest way possible. However, the most important thing to do is to explore your options.

Mortgage insurance does let you own a home a lot quicker, but it bears a lot of expenses in the long term. With that, if you can afford to let out a particular amount of money for a one-time payment, we say you skip the mortgage insurance. If not, don’t be afraid to seek the help of mortgage companies.

TLDR: A very simple way to get rid of mortgage insurance is to meet the 20% threshold.

2 Responses to "6 month old blind pup begging to be saved from deadly shelter"

  1. Not to be picky but how does a 6 month old qualify as a senior?

    ReplyDelete
  2. If you are going to put these stories out, PLEASE list shelter & id #... Can't help any animal we can't find...phone numbers....

    ReplyDelete

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