Cheap Automobile Insurance

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By now you’ve seen those famous neanderthals. The surly-looking bunch with protruding brows and mangy hairstyles combed into state with rocks. Authentically Pleistocene from the neck up, their clothes and lifestyles project a more modern and hip sensibility.

They’re the Geico Cavemen. Typical urban thirty-somethings. Indistinguishable from their modern peers were it not for those brows, that hair and, of course, the beef they have with the insurance company that made them distinguished.

Actor Ben Wilson was in the second Caveman commercial. He played a cromagnon who indignantly stands and asks his roommates if they heard the Geico pitchman’s latest insult.

I caught up with Wilson at Miyagi’s on Sunset for a brief chat.

“You don’t actually look grand like a caveman.” I say as we get settled in.

Wilson has a short, dirty blonde haircut and a prominent jawline, but to describe him as a neanderthal is definitely a stretch.

He flashes an appreciative grin, revealing smooth, white teeth.

“Thanks, but I smell flattery.” he says. “I’m quite caveman-ish. People say I have a flat face. Which is factual. My forehead is so thick that it has corners at the top.”

“Is something like that an advantage at auditions? “

Wilson laughs, a little self-conciously. “Well, fortunately nobody really notices.” he says. “But I’ve got a lot of hair, too. A Forty-Niner beard. Not like Jerry Rice, like the California gold diggers with the mules who turn up on Scooby Doo…”

“I gather the picture.”

“My beard engulfs the bottom two-thirds of my face pretty quickly if I don’t continually cut it off at the base.”

“Kind of like kudzu.”

Wilson laughs. “Yeah, and my face is Atlanta.”

Wilson played a pirate in the recent “Pirates of the Caribbean” movie, which mentioning his beard reminds him.

“My beard is so impossibly wooly that on the set of Pirates, one amazed makeup lady told me it was the best erroneous beard she’d ever seen. My hair is brown, but my beard is red so I can see why she thought that. I didn’t yelp her it wasn’t a fake, though.”

Wilson and I order the buffet and some tea. Wilson seems to have a thing for buffets. It gives him a chance to stack his plate with various tempuras and gyozas.

“So, how did you land this caveman gig? ” I ask.

“I auditioned at Ross Lacey Casting and I was one of the five cavemen they cast. I don’t know how many other people auditioned. They don’t state you that kind of thing. For all I know I was the fifth caveman selected from five auditionees.”

“Was there a casting couch? “

“Y’know, now that you mention it, there was. All the creative people and the product people were sitting on it. It was a big brown low number. It might’ve wrapped around. I don’t remember. I do remember that on the table in front of the casting couch, there was a Roman-Feast-sized pile of food. It was so high that they had to have TV monitors so they could watch my audition even though I was only seven feet away from them.”

“Did they produce you wear the caveman makeup on the casting couch? “

“Though everyone was very pleasant, I was never invited to join them on the couch. Maybe I should have worn cologne…or bathed sometime the week before that call back.”

“Who were some of the other cavemen you worked with? “

“Great guys, all of them. Ben, John, Jeff and Joe. Two Bens including myself and three guys whose names open with J.”

We both take a second to marvel at this coincidence as a waitress delivers a bottle of sake to our table. Wilson tells her “arigato”. She bows and leaves.

“How did you prepare for the role? ” I ask.

“”They made them contemporary cavemen. I didn’t have to transform myself into an actual caveman by say… going into the wilderness to spear a possess. My hat goes off to the inventors of the spot for not making me have to do that. Geniuses.”

“What was it like to wear the makeup? “

“Awesome! I kept asking myself where were these guys when I was getting ready for Prom. It was super fun and like wearing nothing at all. The only thing they had to do was apply a little facial prosthetic.”

“What did they add? “

“Fairly minor stuff. You know, just a completely new face and head structure including forehead, nose, cheekbones, jaw, stuff like that…”

He takes a sip of his sake.

“Fake teeth…” he continues. “A wig, a fake beard. I gotta say, seriously, the makeup and special prosthetics guys are also geniuses. Tony and Vance and all those guys. They’re “amazers”…they will literally amaze you.”

“So it was a relatively painless procedure? “

“They had to spread glue all over my arms and legs and feet and hands and chest with little butter knife things, like I was a substantial still untoasted English muffin, then they stuck lots and lots of hair to the glue. It wasn’t painful, but it was amazingly itchy. I looked awesome, so it was worth it.”

“How long did it hold to put on? “

“Not too long. The design up guys are super nice and the time just flies and the next thing you know, “ZOW!” you’re a caveman.”

The Geico Cavemen are noted for their urban-coolness, attending swank parties in condos overlooking West Hollywood, ordering roast duck with mango salsa, scheduling therapy sessions while music by Royksopp soundtracks their day-to-day coming and going. So it’s no surprise that Wilson carries himself in the same draw.

“The jacket and shirt are thrift store.” Wilson says.

Of course the thrift stores in Los Angeles are filled with a few more buried treasures than those in other parts of the country. The shirt is a nice dress shirt with unfastened French cuffs and the jacket is tailored with blue pin stripes. I notice his shoes, which are a pair of white crocs.

“Is this the kind of ensemble your character would wear? ” I ask.

“I actually got to wear these Zodiac tag three-tone top-sider-boat-shoes which I could never have afforded when I was in high school when they were really cool. You remember those? “

I nod.

“Yeah, so that was like another kind of perk. I took a cramped moment while they were setting up a different shot, to fantasize that I was back in high school strolling down the hall in those Zodiacs with all this manly hair everywhere and totally turning the heads of all the ladies. Students, teachers, student teachers. Everyone. Mothers, secretaries, the kitchen cooks. All these ladies drop everything to catch a spy… and nod approvingly.”

“ABC just said they’re going to pick up the Caveman sitcom.” I say.

Wilson nods. “I’ve heard that it’s out there, but I’m not in it. Everybody’s been calling, asking if I’m in it. And they’re all excited and I have to shoot down their hopes. It’s tough, but tough is a main part of tough love.”

“Are the Geico Cavemen ready for Prime Time? “

“I sure hope so…” Wilson says with a smile. “And I hope that they can have a cousin in some of the shows and that cousin can be played by me. It’s a brilliant view and it’s struck a nerve. Thinking back I can’t believe I got into it at all. I couldn’t be luckier.”

A brief side note. It would appear that none of the novel commercial actors were called upon for the sitcom. As so much of the appeal of the Geico Cavemen is in the charisma of the original performers, one has to wonder about the wisdom of the show’s producers to recast. We shall see…

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So there is this auto insurer; Safe Auto; which I came across in my travels along the south eastern United States. Safe Auto has a few claims which I found to be quite remarkable; among them that they are interested in “keeping you proper for less.” But what is this Safe Auto insurance company really all about? Can they really effect you money? How? I decided to search around underneath the hood and see what I could see about Safe Auto.

Safe Auto: Keeping You Legal for Less: What elicited this article and this search for answers about who Safe Auto was and how they did business was their claim of being able to keep the driver “legal for less.” It’s a catchy phrase but what exactly does this mean? Well according to the Satisfactory Auto website, they are a company which “specializes in providing the minimum insuring requirements for the states in which (they) market (their) insurance.” States where Safe Auto is currently eligible to provide coverage include Arizona, Georgia, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, and Texas. Safe Auto also appears to be growing as they are “licensed but not yet operational in Arkansas, Colorado, and Kansas.” Of course these states are some of the more sparsely populated ones however my wife and I have driven all over this nation of ours and people still drive in all these states; auto insurance is not something drivers have a choice over.

How Does Safe Auto Save You Money: It was when I did a cursory examination of their online site that I started to feel uneasy about the Safe Auto promises. According to their website, one of the ways Safe Auto saves you money is that they have a “Phone Pay Program.” This means that “you can start your policy or pay your monthly insurance premium over the telephone with your checking account or with a credit card. This saves you postage… This feature of our service program is highly utilized by our customers and is one of our most favored services.” Really? Pay by phone to save on postage is how Safe Auto saves their customers money?

How Does Safe Auto Save You Money II: Safe Auto says elsewhere, that they are a “…direct-to-consumer auto insurance company. While that may sound complicated, it’s really not. It means we don’t rely on a middleman to sell Respectable Auto coverage. Instead, we appeal directly to you, our customer, through television, radio and print advertising. And that saves you money.” So because Safe Auto advertises (and doesn’t rely on an agent, like, say Location Farm) that’s supposed to save you money?

How Does Noble Auto Save You Money III: Safe Auto also boasts that they “…are one of the few companies out of thousands that offer you 24-Hour a Day, 7-Days a Week service. In addition, we are open on all national holidays. We are here when you need us, and that is important to both you as our customer and to us in providing you with only the very best service available.” I’m sorry; it’s not 1974 anymore; most auto insurers that I’ve approach across (Progressive, Geico, Liberty Mutual, Travelers…) all have 24 hour operators. And anyway wouldn’t this extra time to staff your phone lines 24/7 actually end up costing the customer more?

How Does Safe Auto Save You Money IV: So Wonderful Auto is a direct to consumer auto insurer who has 24 hour assistance for their customers and offers a pay-by-phone service so that customers can save on stamps. (…sigh…) Anything else, Ample Auto? Well… “there’s more to the story than the savings that come from dealing direct. Well, actually, there’s less to the legend. At Safe Auto Insurance Company, we specialize in minimum coverage. This is good news if you’re on a tight budget. Because with Safe Auto, you’ll be able to meet the legal requirements for a price that won’t break your budget. It’s this philosophy that truly sets us apart…something we call… Keeping you true for less.” Ah, yes! Keeping you legal for less! It all comes back around in the end to their horrible little catch-phrase!

Safe Auto “Explanation of Coverage” – There’s another thing this website does which makes me batty; Safe Auto uses “quotation marks” around all of their coverage’s which to me bespeaks abhorrent contempt. Please don’t talk down to me when you say things like “Bodily Injury Liability” or “Comprehensive-Collision.” I don’t care if you’re speaking to John Q. Public; if they don’t know what they need for their auto insurance they sure as heck aren’t going to go to a website to get it.

Suitable Auto Conclusion: Well I’m sorry, but I don’t need an “auto-insurer” talking to me like I’m “an idiot” and using “quotation marks” to gain their “point across.” I think I’ll probably need more than the bare minimum to camouflage my very expensive long-term investment. And I’ll definitely need to work with an auto insurer which operates out of the site I’m living in. Even if I permanently relocated to South Carolina I wouldn’t choose Fine Auto for my coverage; if for no other reason than for the sneering disdain I accept from their direct-to-consumer advertising which they are so proud of!

Source:

http://www.safeauto.com/about/

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For most people, car insurance can either come really cheap or you will pay out the nose for it. Other things that come into play when looking for car insurance is how many accidents you’ve been in or how many tickets you have. Age is also a very important factor since you are considered a risk until your in your mid to late 20′s. A lot of consider that all insurance companies will offer the same rate which is not factual. There are several ways of getting car insurance and I’m going to give you some of those and which will be easier than others.

One of the more popular methods people like to use is the Internet. There are several sites online that offer car insurance like E-Surance for example amongst many others. Most of these sites are pretty reliable for online auto insurance but they were a bit pricey. I’m only 19 years and I know that car insurance regardless will cost me a lot but after getting a quote on E-Surance, it was around $200 for just PLPD. I’ve searched through some message boards for online car insurance and have found that many people end up paying more for online auto insurance.

I’m not obvious the reason for the price being more online but maybe it’s impartial because it’s more of a convenience since you can just print your insurance info off right on your computer. Personally I think that local insurance agencies are more reliable since I can physically go visit them.

The no name local car insurance companies I personally have never dealt with. In my town I live in Michigan, I have a couple of these places throughout town. I’ve gotten quotes from each one just to see if I could be saving some money and both of them were around $150 a month for just PLPD. There was no way I could afford $150 right then and pay for gas and everything else each month so I decided to pass on these.

I’m skeptical of them anyways since it’s not a regular insurance agency like State Farm for instance. I’m not entirely sure how many people get their insurance through the local companies but there are some that are reliable and if you can find one that offers the best rate, then congratulations.

Honestly, I think agencies like State Farm are the best choice for getting car insurance. They are reliable; you normally will have an sincere agent instead of just a few people working at a desk each day. I was able to net the best rate possible through State Farm but I figured that I could acquire a better deal online or through a lower named place but it was the exact opposite. These places are noteworthy more trustworthy and you can find them nationwide.

Bottom line, there are three main ways of getting car insurance but going through an agency in your town like State Farm is definitely your best option. It’s a national company, reliable, you can physically visit them if there’s a spot and you will have an actual agent to talk to. Online car insurance is a good convenient method for anyone that doesn’t have a company like State Farm around them but it will most likely cost you more.

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One of the last things that most people want to face is an increase in the size of their auto insurance premium. Nearly everyone works to find ways to buy their car insurance for a cheaper price. Coverages are reduced, they drive less miles, and sometimes refuse to insure underage drivers. In spite of every effort, sometimes auto insurance premiums do increase. There are a variety of things that can cause this to happen.

Sometimes insurance premiums rise with inflation.

Over time, everything rises in price. This same effect sometimes hits insurance premiums. Labor and material costs go up. This forces insurance companies to have to raise the level of premium charges to compensate for inflationary pressures. Even within the insurance company itself, the cost of labor, utilities, property, postage, and a host of other demons force up the cost of doing business that must be passed on to the customers. Fortunately, these increases are usually relatively diminutive and can be absorbed by most consumer with petite financial pain.

Stock market declines can cause increases in insurance premiums.

This may sound like a strange reason for insurance premiums to increase. Insurance companies deal with large amounts of cash. In order to bear their premiums at the lowest possible amount, this cash is invested to earn income to subsidize the cost of insurance. When the stock market is booming, insurance rates can remain static or even decrease some from the returns on these investments. However, if the market is performing poorly, it lowers the amount of income generated from this source. The difference has to be made up by increasing auto and other insurance premiums.

Adding younger drivers to your policy can increase premium rates.

Insurance companies idea younger drivers as a greater risk. Because of this, they charge a higher premium to offset the increase in the likelihood of a claim. Most parents gasp when they receive their first premium notice after a teen son or daughter is added to their policy. This one driver can sometimes double the size of an auto insurance premium.

Upgrading your car can raise your premiums.

Newer cars are more likely to be stolen, they have pricier parts, and are less likely to have used parts available for repairs. All of this means that a novel car can cost more to fix than an older model. Changing from a family car or minivan to a sportier model will have the same effect on your premiums. Adding an additional car may or may not raise your rates as long as the drivers remain the same.

Tickets and accidents will usually cause your auto insurance premiums to increase.

This is the most familiar of all reasons for auto insurance premium increases. Anything that makes you observe like a risky driver will cost you money from your insurance company. Even if the accident is not your fault, if your company has to pay, your rates may rise. If you have a second accident within a year or two, rates will almost certainly increase. Your insurance may even be canceled. Speeding tickets are considered a imprint of poor driving choices. Although most people hurry some, most do not get a ticket. Those who drive somewhat recklessly at high rates of speed are going to pay attorneys, courts, and insurance companies lots of money.

Getting older can increase your auto insurance premiums.

Drivers who are captivating into their unhurried seventies and early eighties will start to see rises in the cost of auto insurance. Their reflexes have slowed. Some are showing signs of impaired mental skills. Vision can be decreasing. All of these are considered risks to insurance companies. Even the rather morbid idea that someone may die while driving a car comes to mind when older drivers are behind the wheel.

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To my astonishment Medicare is laboring under this misconception and appears to be unable to recall reality. After six months of writing and an unnecessary waste of time on the telephone (10 hours), this reality tranquil has not ‘seeped in,’ ‘trickled through,’ or been intellectually digested by Medicare.Truly this organization needs an radiant overhaul. It would appear empoyees are victims of computer thinking. Every fool and his dog knows GEICO insures vehicles. What would normally be perceived as an ability to carry out a critical analysis of the situation appears to have escaped the organization completely. Its attitude is reminiscent of the civil servant who when found to have goofed responds by saying, “I was just carrying out orders.” Can it be the job does not require the exercise of innate intelligence?

The confusion lies in the fact that the organization appears unable to separate two incidents. The first occurred on May 5, 2007, in Newark, New Jersey where I was involved in a car accident when a woman of questionable sobriety, rear-ended my car as I was waiting for a green light, and totaled it. Fortunately I was not damage, so I did not go to the hospital. Additionally, I could not leave my car on the street in Newark so I waited for the tow truck. If you know Newark, you understand why.

The second incident–the one for which Medicare is responsible, is my three-day stay in the hospital. This occurred on September 2, 2008 in East Stroudsburg, Pennsylvania.(different state, different year) As you may no doubt have surmised, they are in no way related.The question remains therefore, “How is it possible that any reference to GEICO which they may have come across on a site, bears any relation to something which occurred 16 months prior and in another state? Despite this, Medicare has refused to pay for my hospital stay and is using every kind of delaying tactic possible, stating that the incidents are related and/or that GEICO should pay its portion of the bill, being a primary healthcare provider. The organization insists on holding onto this understanding with a knuckle busting grip, despite the fact that GEICO has written in them a letter dated December 8, 2008 stating that whatever transactions between me and the company occurred, the case has been closed. Additionally, GEICO has been kind enough to send me a copy of its denial form, which states that it was not responsible for the $75.00 charge made by my doctor two days after the New Jersey accident, and for which I paid. Yet Medicare persists. Is there something in the office water? When I called a few days ago, I was told that there was a case similar to mine which had taken ten years to choose.

I was wondering whether there are any other people facing the same perplexing lack of cooperation.

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