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Demystifying Insurance to Ensure Proper Coverage



(Family Features) Home and auto insurance are among the things many people buy but hope to never use. Proper coverage provides peace of mind that an accident, weather event, natural disaster or unexpected injury or illness won’t cause financial ruin. However, many Americans are uninsured, underinsured or paying too much for coverage.

Data from the Insurance Research Council cited by the National Association of Insurance Commissioners shows 12.6% of U.S. motorists are uninsured – approximately 1 in 8 cars on the road. For uninsured drivers, plus those involved in accidents with them, fender benders or worse can result in out-of-pocket costs.

Homeowners need to be properly insured, as well. According to the National Centers for Environmental Information, the U.S. has experienced more than 350 weather events or natural disasters since 1980 that have caused more than $1 billion in damage. Even small thunderstorms can send tree branches into homes, causing thousands of dollars in damage. For home and auto insurance, consumers should be sure their policies cover replacement and repair costs at today’s market rates in addition to liability coverage for personal injury and other damages.

Insurance helps bridge these gaps, but it’s common for people to renew policies without checking them. Because insurance policies are often seen as complex and confusing, that may prevent people from purchasing proper coverage.

A 2022 survey from realtor.com found only 56% of homeowners knew what to look for in their homeowners insurance policy when they bought their homes, and 15% didn’t have any idea what to check. In addition, Forbes Advisor reported 40% of drivers believe they had coverage that doesn’t even exist.

Consider these challenges consumers face when shopping for and comparing insurance policies and providers:

  1. Industry Jargon and Lingo – When you visit a website or talk to an insurance agent, you may feel like you’re speaking a different language with terms like “deductible,” “premium,” “co-pay,” “additional insured,” “aggregate limit” and “co-insurance.”
  2. Bait and Switch – Insurance carriers sometimes advertise low rates, but your rate may be higher than expected when you apply, often with no explanation.
  3. Fine Print – “Sorry, that’s not covered.” These can be chilling words to hear when you’re hoping your insurance policy comes through for you in a time of need. An explanation may be deep within the policy, but you may need a magnifying glass to find it.
  4. Transparency – Many decisions that affect rates and coverage may seem to be done behind a curtain, such as rates in comparison to neighbors, remodeling impacts on rates, rate changes based on age and more.
  5. Apples to Oranges – With many moving parts within the average policy, it can be difficult to compare rates and coverage.

Improved technology is helping solve some of these issues and deliver an improved experience. A decade ago, the only way to compare insurance rates was to make phone calls, meet with agents and read brochures. Even with the internet, you still need to visit multiple websites and take notes, often entering the same personal information time and time again.

Today, insurance marketplaces, like the flagship platform from Guaranteed Rate Insurance, make it easy to compare multiple carriers, all at once, with a single application. Customers enter basic information to receive quotes for home and auto insurance coverage from more than 50 top-rated carriers, allowing for a quick, side-by-side comparison of coverage options.

“The primary benefit insurance delivers is peace of mind,” said Jeff Wingate, executive vice president and head of insurance for Guaranteed Rate. “If the relationship between an insurance provider and customer begins with stress, confusion and frustration, the provider isn’t delivering the desired service. That’s why we made it easy for consumers to make informed decisions about rates and coverage from trusted and reliable providers.”

Life insurance, umbrella, jewelry, flood, pet, landlord and earthquake policies are among the other coverage options available for comparison. Coverage benefits are easy to read with clearly explained terminology and experienced agents standing by to answer questions or assist with purchasing a policy.

To find more information and explore the insurance marketplace, visit rate.com/insurance.

Photos courtesy of Getty Images

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Alpha Motor Corporation’s Ride-Along Event: Shaping the Future of Electric Vehicles

Alpha Motor Corporation shapes the future of electric vehicles through customer-centric ride-along events. Experience the journey at https://youtu.be/rFkpVdyLqOA.



Alpha Motor Corporation recently celebrated the successful completion of its ride-along event, a pivotal moment in their quest to revolutionize electric vehicles. Guided by valuable feedback from potential customers who experienced the ride, Alpha is dedicated to tailoring electric vehicles to meet consumer needs effectively.

Copyright © 2024 Alpha Motor Corporation. All rights reserved.

This milestone event, captured in all its glory at https://youtu.be/rFkpVdyLqOA, underscores Alpha’s commitment to customer-centric vehicle development. Following the WOLF truck’s impressive performance in the Southern California desert last summer, this ride-along event solidifies Alpha’s dedication to creating vehicles that resonate with the mainstream market.

Alpha’s ride-along event is available for viewing at https://youtu.be/rFkpVdyLqOA.

Amidst varying weather conditions and challenging terrains, the WOLF truck effortlessly navigated a designated course, showcasing its prowess in handling, speed, and efficiency. Impressively, the vehicle utilized only 20% of its battery capacity during the eight-hour event, with a speedy total charge time of just 30 minutes.

Alpha Motor Corporation aims to leverage the insights gleaned from these ride-along events to enhance vehicle development continually. By incorporating feedback from participants and analyzing driving experiences, Alpha ensures that their electric vehicles not only meet but exceed consumer expectations.

Looking ahead, Alpha plans to host more ride-along events to gather valuable feedback, further refining the driving performance of its modular EV platform. This platform, shared by various models like the WOLF+, SUPERWOLF, REX SUV, and JAX Crossover, embodies Alpha’s commitment to delivering high-quality electric vehicles with accessible design, performance, and ownership experience.

As a trailblazing American automobile company based in Irvine, California, Alpha Motor Corporation is devoted to crafting sustainable transportation solutions that benefit both people and the environment. Through cutting-edge technologies and innovative practices, Alpha is reshaping the automotive landscape, one electrifying vehicle at a time.

For more information, visit https://www.alphamotorinc.com or contact pr@alphamotorinc.com.

(Source: Alpha Motor Corporation)

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Nissan’s Potential Move of Rogue Production Spells Trouble for Tennessee Factory

Nissan’s potential move of Rogue production to Japan spells trouble for its Tennessee factory and US operations.



Nissan’s potential decision to relocate the production of the fourth-generation Rogue to Kyushu, Japan, could have significant implications for its Tennessee-based operations. The Japanese automaker has communicated to suppliers its intention to achieve a “significant reduction” in parts pricing when the next-generation crossover enters production in 2026. This move comes as Nissan seeks to cut costs, with reports indicating that the company has asked suppliers to reduce the cost of parts by an average of 20%, with some suppliers being asked for reductions of up to 30%.

The Smyrna, Tennessee-built Rogue holds a crucial position as Nissan’s best-selling model in the American market. With around 6,700 workers, the Smyrna facility heavily relies on the production of the Rogue, as approximately 40% of the factory’s output comprises this model. The potential relocation of Rogue production to Japan could leave the Tennessee plant in a vulnerable position, especially considering the impending cessation of production for the Nissan Leaf, another key model produced at the facility.

Moreover, the move could be influenced by the company’s efforts to reduce costs amidst potential increases in operational expenses, possibly linked to unionization efforts. Industry analysts have expressed surprise at the magnitude of the price reduction being sought and the potential threat of moving an entire vehicle’s production to another country. This decision could have far-reaching consequences, as it may not only impact the Tennessee factory but also affect Nissan’s broader operations in the United States.

As the automaker evaluates revised quotations for the new Rogue, a decision is expected to be made in February. However, industry experts believe that if Nissan proceeds with moving Rogue production to Japan, it could spell financial trouble for Nissan USA, potentially leading to the closure of a plant. The outcome of this decision is crucial not only for Nissan but also for the future landscape of automotive manufacturing in the United States.

Stay tuned for updates as Nissan executives prepare to make their final decision on the fate of the Rogue’s production.


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5 Ways to Protect Your Automotive Investment



(Family Features) Between inventory issues and climbing interest rates, buying a vehicle can be quite an ordeal, making it an investment worth protecting.

Today’s vehicles require less maintenance than ever before. You can go longer between oil changes and many tires are rated for longer travel. However, keeping up with regular maintenance remains part of your vehicle’s upkeep.

Whether you’ve purchased a new vehicle or you’re aiming to keep a car or truck you already own in good working condition, these tips can help you maintain its peak performance and appearance.

Car Wash: At least once a month, make a point of washing your car to remove built up grime. Not only is the dirt unsightly, but the mess can also damage your paint job and even the frame. This is especially true during the winter months when road salt splatters your vehicle’s undercarriage. Once the temperatures climb back above freezing, be sure to wash away the salt.

Covered Parking: When possible, use a garage or other form of covered parking. You’ll protect your paint job from harsh UV rays, and you’ll also limit exposure to bird droppings and other potentially corrosive or damaging elements in the environment, like dust and pollen.

Windshield Wipers: Visibility is one of the most important aspects of safety when you’re driving, and windshield wiper blades play an essential role. Squeaking, streaking and failing to clear precipitation are all signs your blades need to be replaced. Check wipers regularly and plan on replacing them at least every 6-12 months.

Battery: You may not think much about your battery as long as your engine is turning over and your vehicle is running smoothly. However, even a car in good condition can have battery damage. At least once a year, check for signs of battery acid. If you detect the white powdery substance around your battery terminals, disconnect the cables (negative first) and apply a mixture of baking soda and water with a wire brush. Rinse with water and dry before replacing the cables.

Air Filter: The air filter doesn’t just affect the air quality in the cabin of your vehicle. A dirty filter can also cause engine strain because it hinders proper air flow. Over time, you may even notice a decline in gas mileage and acceleration performance. Many factors affect how often you need to replace your filter, but a quick visual inspection should give you a clear idea. Your owner’s manual will help you determine how to access the filter; it’s easier than people often assume.

Find more practical tips for auto care at eLivingtoday.com.

Photo courtesy of Unsplash

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