Switch Auto Insurance Companies – Cost Savings from Switching Insurers

Shop for Cheaper Car Insurance

Every year, tens of millions of drivers get their insurance renewal papers mailed to them and they simply ignore them and let their policy rollover. That’s money lost!

By taking a moment to consider the high rate they’re paying for the type of coverage they’re receiving, they might decline theie insurance company’s offer. If you knew the savings they might be getting, you’d be switching.

If you want to save thousands on car insurance, you have to start thinking bigger savings numbers than the 15% someone like Geico offers. Very few auto insurance companies talk about savings. Their advertisements are low key because they want to make a brand impression without stirring up their customers thoughts about value and price.



You’re a Smart Consumer – Shopping Gives you Power!

It’s a fact that shopping is power. Your choice of where your money goes, shapes the economy and is helps you share and promote your values. You decide who gets rich.




And right now, you’re here because you demand a lower quote for auto insurance and by searching, you’re going to get your wish. If you’re persistent and keep at finding the insurers who want your business, you’ll be switching car insurance providers. In the past, car insurance companies would give you misery if you tried to change insurers. Even today, you have to be careful of it because even the smallest gap in coverage could cost you. Yes, insurance is a racket and there’s nothing you can do about it other than keep shopping for the cheapest rates and lowest quote.

The 10 Major Auto Insurance Companies

Here’s more than 30 insurance companies below to help whet your appetite for a lower auto insurance quote.

Here’s the major brand insurance companies in the US, beginning with Geico who spend a inordinate amount of money on TV advertising. Many of these companies advertise online and you’ll see them in your searches on Google. Don’t be hypnotized by the brand names and sign on eagerly because you liked their TV mascot. Remember you’re here on this site because you intend to save money on your car insurance. That’s you quest and you should stick to it. It could be mean saving $10,000 or more over 5 years. What could you do with $10k?




Geico Auto Insurance Company – the popular insurer we recognize from their television Gecko mascot is the 2nd largest auto insurer in the United States, after State Farm. Geico is a wholly owned subsidiary of Berkshire Hathaway insurance (Billionaire Warren Buffett).  Geico provides auto insurance coverage on 22 million+ cars, trucks, motorcycles, motorhomes etc for 14 million insurance policy holders.

State Farm Insurance Company – is headquarted in Bloomington Illinois and has a whopping and expensive payroll of 18,000 insurance agents. It’s total net income in 2013 was 5.2 Billion dollars and it has 44 million auto insurance policies in effect.

Berkshire Hathaway Insurance Company – BHI is is owned by Billionaire Warren Buffett, which boasts a yearly income of $24 Billion and they own Geico Insurance.

Allstate Car Insurance Company –  Allstate  is the 2nd largest personal insurance insurer in the US and in Canada, (behind State Farm). It is the largest publicly held insurance company (net income of $2.7 Billion) and it owns esurance.com a top online insurance website. Allstate has its headquarters in Northbrook Illinois and has a yearly net income of $2.7 Billion.

USAA Auto Insurance Company – The United Services Automobile Association is a financial services company that earns more than $24.6 Billion annually. It is located in San Antonio TX and offers a huge range of personal property and casualty (P&C) insurance, life insurance, automobile insurance, homeowner insurance, renters’ insurance, as well as umbrella and personal property insurance.

AAA Auto Insurance Company – The American Automobile Association (AAA ) is a large group of motor clubs throughout the US and Canada (CAA) having more than 55 millions members.  AAA is a non-profit member service organization. AAA is located near Orlando Florida with office located in Los Angeles, Boston, New York, Chicago, Phoenix, Toronto and many more major cities.




Nationwide Car Insurance Company – Nationwide Mutual Insurance Company & Affiliated Companies is a group of large insurance and financial services companies based in Columbus, OH. It’s yearly revenue is $40 billion.

Liberty Mutual Car Insurance Company – Liberty Mutual Group is a huge, global insurance company with its head office located in Boston, Massachusetts. The company’s $29 billion, and 45,000 employee workforce means it is one of the biggest insurance companies in the world. The company provides home, auto, business and property insurance.

Progressive Auto Insurance Company – Progressive Insurance writes insurance policies for automobiles trucks, motorcycles, boats, and recreational vehicles through their independent agency channel and a direct channel known as progressive.com. Progressive Insurance has its headquarters in Ohio. The company reports yearly  earnings of $21 Billion.

Farmers Auto Insurance Company – Farmers Insurance Group is located in Los Angeles CA. It earns $12.6 billion in revenue yearly and provides car insurance and truck insurance coverage for automobiles, homes and small businesses via it’s 50,000 independent insurance agents.




There are plenty more auto insurance companies you will want to research and switch your auto policy to:

  • American Family Auto Insurance (Madison)
  • Mercury Auto Insurance Company (Detroit)
  • Farm Bureau Auto Insurance Company
  • The Hartford Auto Insurance Company (Hartford)
  • The General Car Insurance
  • MetLife Auto Insurance (New York City)
  • Fred Loya Car Insurance
  • Travelers Auto Insurance
  • American Insurance Group (New York City)
  • Amica Auto Insurance Company
  • Freeway Auto Insurance Experts
  • AARP Motor Club
  • Kemper Automobile Insurance (Chicago)
  • Erie Auto Insurance Company
  • Dairyland Auto Motorcycle Insurance
  • Netquote Automobile Insurance
  • Wawanesa Auto Insurnace
  • Safeco Auto Insurance (Seattle)
  • Allied Auto Insurance Company
  • NJM Automobile Insurance
  • Shelter Insurance Company
  • Plymouth Rock Auto Insurance
  • Grange Insurance for Auto
  • Hagerty Auto Insurance Company (Detroit)

 

Car Insurance Infographic – Major Insurers in the US

car-insurance-brand-infographicsmall
Car Insurance Infographic courtesy of Graphs.net

Cheaper Car and Truck insurance Quotes

Search for hours for the best auto insurance rates in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando,  Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Portland, Washington, Atlanta, Irvine, Nashville, Sunnyvale, Salt Lake City, Riverside, Simi Valley, Raleigh, Albuquerque, Glendale,  Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, Santa Monica, Miami Beach, and Honolulu.

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Auto Insurance News – Car and Truck Insurance Coverage Comparison Savings

Auto Insurance Quotes

Auto Insurance News Report

Welcome to the latest edition of the Auto Insurance News Report. Aside from finding the insurance company offering the lowest auto insurance quote, we’ve got insight into auto insurance trends in the US and Canada.

Please bookmark the page in your browser and return often.

ICBC Desperate for Cash to Stave off Bankruptcy, new ideas include caps on claim payouts, street cameras, and almost impossible requirements to gain a driver’s policy discount. New NDP government has its ands full with throttling Alberta oil and is clamouring to deal with ICBC $1.3 Billion deficit for 2018.

The government’s ICBC executives are trying to resolve their business crisis with ineffectural fixes.  They believe raising car insurance premiums, capping accident claims, considering driving experience in driver ratings, raising premiums for drivers with minors and serious convictions, giving discounts for low-risk drivers and by revamping ICBCs antiquated driver rating system, they can avoid privatizing the auto insurance industry.

BC drivers and tax payers might still be wondering how this will resolve a $1.35 billion dollar problem each and every year ahead.

Vancouver’s experimentation with government run auto insurance is revealing what it should have known before. ICBC has run into severe financial difficulties and is now looking at any revenue sources to keep it alive.

Vancouver BC Canada to Have the Most Expensive Car Insurance

The Canadian Taxpayers Federation is charging that the ICBC is using its monoply to drive Vancouver auto insurance rates higher. That would give Vancouver auto rates the distinction of being the highest in Canada, above the car insurance rates Toronto drivers pay.

The ICBC is a provincial government department which controls all auto insurance in BC. It was asking for a 6.4% increase in premiums. The CTF says this will push average car insurance rates in Vancouver to a whopping $1680.

That would underscore the importance of shopping for a better auto insurance quote and comparing value.

ICBC’s own poll of BC drivers suggested they want more competition in the auto insurance marketplace. 89% of respondents believe shopping around for insurance would save significantly on their auto insurance costs. Last year, ICBC stopped providing insurance coverage for luxury cars.




Auto Insurance in Toronto Continues to Rise

A recent report called Fair Benefits Fairly Delivered: A Review of the Auto Insurance System in Ontario, revealed that Ontario drivers paid an average annual insurance premium in 2015 of $1,458 per vehicle, nearly 57%higher than the national average of $930.  A report in the Toronto Star suggest that high premiums are going to experts and lawyers and not to those injured in auto accidents.  That was not the intent of the no fault insurance program, but it looks like the rich are benefiting from it, rather than ordinary Ontario drivers.

High Tech Cars Being Blamed for High Auto Insurance

A new report from suggests that new advanced technology used in today’s cars is actually driving up insurance rates. In fact they’re blaming the 8% increase in auto insurance rates on the new tech in vehicles, increase in cars on the road, and higher medical bills.

Consumers not using Latest Technology to File Claims

Although many insurance copnaies have sunk a lot of money into apps and online connectivity, car owners are not ready to use them it seems. JD Power and Associates just reported that only 9% of claimants will file online. Overall satisfaction with their digital first notice of loss (FNOL) online service dropped 16%.

It seems insured parties prefer a quick phone call to report an accident.  JD Power found that claims service was the most important benefit.  Customer satisfaction with digital appraisal apps improved by 26 points among Gen Y consumers, but declined by 16 points among Pre-Boomers.

Will Tesla Electric Vehicles Cost More to Insure?

If you’re one of the 300,000 people who put down $70,000 each for a Tesla Model 3 this year, you may want to plan ahead to pay your auto insurance too.  If the price of the car plus finding a recharging station aren’t concerning you, the cost of your insurance may.

A report in the Huffington Post suggest insurance rates for electric cars is about 6 to 8% more expensive than a comparable gas powered car. This is despite the good crash testing ratings of the Tesla models. If you’re looking to know more about car insurance for Tesla vehicles, visit ratelab’s excellent coverage.

From the Denver Post:

Tesla’s U.S. sales of its Model S sedan jumped 59% over the same quarter last year, increasing its already sizable lead among large luxury cars, according to internal third-quarter sales numbers — which Tesla usually keeps confidential — and competitor data compiled by the company. Tesla says it’s now responsible for almost a third of all sales in the segment. Its nearest competitors are the newly updated BMW 7-Series and the Mercedes-Benz S-Class.




UK Drivers Paying More for Electric Vehicle Insurance

A new report from the Actuary says UK drivers are paying 45% more for ecar insurance.  Despite government mandated controls of gas powered vehilce and a push to clean air, it looks like the cost of repairing electric vehicles may be weighing on cheaper auto rates.

Growth of Electric Vehicle Sales Faster Than Anyone Expected

According to EV Volumes, sales of electric vehicles are rising quickly. They found that total plug-in vehicle sales in June increased a 46 % over last June.  The growth is reported to be 10 times that of traditional gas powered vehicles. The EV growth seems to be attributable to a preference for them in China and the fact new batteries are cheaper and more powerful. The trend continues.

Around 312,000 plug-in electric cars were sold during the first half of 2016

Graphic courtesy of EV Sales.com

Tesla Motors is preparing to revolutionize the automobile and fuel industries. Learn more about Tesla.

Higher Insurance Rates in Some Toronto Neighbourhoods

Canadian insurance website Kanetix, recently published a report that shows that drivers in certain Toronto neighbourhoods are paying more for insurance. The graphic below shows the neighbourhoods Kanetix determined to have higher auto insurance rates. The report suggests that the presence of hazardous intersections may be the source of risk that results in the higher premiums. They also reported that insurance rates in Toronto may be 30% or $449 higher than the provincial average.  The difference in premiums from the least expensive to the most expensive was $945 per year.

For certain types of drivers and certain types of vehicles, we’d have to think the differences could be much wider. The risk factors would magnify each other and results in a higher insurance quote for certain types of drivers in some neighbourhoods, yet generate very low insurance quotes for others.

Kanetix
Graphic courtesy of Kanetix.ca – Insurance Website

A report in the Toronto Star, citing the Kanetix study says claims are more frequent in these areas of Toronto and the payouts are higher.  They cited poorer neighbourhoods as having the biggest increases.  In one case, a driver said his premiums rose by $1000 when he moved from Ajax to Toronto to eliminate his commute. In the report, Pete Karageorgos, director of consumer and industry relations of Ontario with the Insurance Bureau of Canada says that shopping for insurance is the key to keeping rates under control.

The takeaway from this recent news is that insurance companies may be making major alterations to how they underwrite insurance in order to grow their profit margin. Good too stay aware or get caught in their trap!

Searching for the lowest auto insurance in Torontotruck insurance in Denver, car insurance in Seattle, motorcycle insurance in Las Vegas, car insurance in San Jose Ca or cheap car insurance in Chicago is easy.  Search on Google continuously and get at least 10 quotes.

California Drivers are the Worst

If you’re a driver in California, you might be feeling badly about this ABC news report that you’re the worst car and truck drivers in the country!  They quoted a study by QuoteWizard which looked at traffic citations, incidents of people driving under the influence, along with the number of car crashes into consideration. It seems California has more of all that and are probably paying for it when they buy a new auto insurance policy.

“California is number seven for accidents, number nine for speeding, and number five for citations. Even worse, its number two for DUIs,” the study reads.

Rising Speeds Have Results in 33,000 Additional Fatalities

This fascinating new report on CBSnews.com shows how accidents, fatalities and general road safety vary right across the US. We all know certain highways areas are fraught with risk, but the report shows how tolerance for bad behavior could be behind the rates of driving mayhem in certain states and cities. While Montana and Arkansas had most fatalities, with Georgia the fastest growing, New York and California actually had the fewest fatalities per 100,000 population.




Toyota and Honda top Safest Cars List for 2017

38 models were awarded the Insurance Institute for Highway Safety’s designation of Top Safety Pick. Toyota and Honda lead the list of manufacturers safest vehicles. The reported that one major design flaw in vehicles was headlights.  These are the to 6 cars/SUVs that IIHS believed are the best of the bunch in 2017:

  1. Acura MDX
  2. Acura RDX
  3. Audi A4
  4. Audi Q5
  5. Buick Envision
  6. Chevrolet Volt

Only 82 vehicles qualified for the 2017 honors list. Your can read more at the IIHS Website.





Check out insurance for cars and trucks in these other cities:

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Find your best insurance quote online – cheap car insurance for smatter consumers

Usage Based Auto Insurance – Should You Use Telematics?

Drivers Save Thousands with Usage-based Auto Insurance

There’s no stopping the relentless rise of auto insurance costs. And for some drivers it is very costly. Consider younger drivers who might pay from $2500 to $5500 for annual coverage, or those with multiple speeding tickets and moving infractions.

They have trouble finding car insurance let alone cheap coverage from an insurance company and typically, their rates rise up 100% to 300% more than we pay. They move downtown without a vehicle or live “insurance” poor lifestyles as a result of their circumstance.

Photo Courtesy of Linkedin

You may be in this situation or know some young drivers who can’t drive because of the cost of car insurance. There’s something you need to tell them about. It’s called usage based auto insurance.  UBI lets drivers pay coverage on the driving they actually do and how they do it using a telmatics device.

If you want a lower rate, consider a UBI based insurance policy.





With the telematics devices installed, drivers typically are more conscious of how they accelerate and brake and the types of speeds they travel. UBI turns out to be beneficial for everyone  – it lowers insurance costs. We know drivers drive much too fast, change lanes dangerously, and slam brakes on, and this is precisely where accidents happen.

It doesn’t matter whether you’re driving a classic luxury car, truck, motorcycle, or new electric car, insurance rates will rise. The only recourse you have is usage-based insurance and shopping around for a better quote. When self-driving cars hit the road, auto insurance rates for human drivers will explode.  Get the jump on this and explore usage based auto coverage.




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The Usage based telematics devices help to discourage dangerous driving habits. For young drivers, it’s a godsend because it may prevent them from developing bad driving habits, and helps avoid that first accident.

It’s true, car drivers from Los Angeles to Toronto to Miami to New York are eyeing a new trend in automobile insurance coverage. It’s called usage-based auto insurance.




The global insurance telematics market size is forecasted to grow from US$857 million in 2015 to US$2.2 billion in 2020. That is a $1.3 Billion growth in 5 years. This is a major trend in the auto insurance industry, comparing equally to the enormous trend buying insurance online.

UBI telematics is all about monitoring driving, collecting data, and tying car insurance premiums according to how, where, and how much the driver drives.  It’s being adopted at a faster rate in Europe, however adoption the US and Canada has been a little more subdued. How much can you save with UBI? Some reports have it at about 12%. If your insurer doesn’t offer usage based insurance, consider switching insurance providers. And if you drive a luxury model car, telematics is perfect for certifying your safe driving and limited mileage.




What are Usage-based Car Insurance Policies?

cmtelematics
Photo Courtesy of CMTelematics

The term usage-based auto insurance describes the use of GPS or cellular activated electronic tracking device to monitor the insured driver’s speed, braking and acceleration habits, along with distance and time driven. The policy is normally one where you may be offered good rates in future (a discount) if your driving habits meet the company’s safe driving guidelines. The device may be one affixed to your automobile or could use a plug-in device on your own smartphone. The trend is to use your smartphone’s own software and hardware sensors.

CMtelematics of Cambridge Massachusetts is a leader in telematics technology and they’re leading the charge into smartphone telematics devices. Their claim: “Personalized scores, continuous feedback, and incentives result in better driving behavior. Customers report 34% fewer crashes and 20% less-severe claims.” Their DriveWell technology uses machine learning and statistics to accurately infer key metrics about vehicle mileage, road types, speed, acceleration patterns, phone distraction, and collisions).

What Telematics or UBI devices measure:

  • Braking habits
  • Acceleration and cornering behavior
  • the distance the car travels
  • the time of day the vehicle is driven
  • where the vehicle is driven

UBI insurers are a little vague about how it actually judges driving behavior and by not divulging this, drivers aren’t sure if the UBI system is accurate.  Is UBI simply a strategy to glean more profits from consumers? If drivers are refusing to adopt UBI telematics, it probably indicates distrust.

Some drivers themselves consider UBI telematics a key to encouraging better driving behavior.  And some data now is suggesting that drivers actually do drive more carefully after installing the devices. Researchers aren’t quite certain whether this improving driving behavior is due to a desire to lower their rates, or because it’s a cue to behave more responsibly. Whichever way is true, the use of these tracking devices is a big turning point for the industry  The “Big Data” people are really onboard with this since all of this driving data could be collected and used for commercial, profit-generating purposes. You’d think the insurance firms would be willing to lower your rates even further to gain better access to the data, and to lower accident claims.

UBI Infographics – Driver Attitudes

Surveys are showing a gradual interest in UBI policies if they get a discount. It’s not a reach to say aggressive drivers have no interest in having their driving behavior assessed and a price attached. The aggressive driving factor is the issue that covers gender, age, and even usage matters.

UBI-survey

lexisnexisubi

Who Will Pay for the Insurance Industry?

Like Alcohol and tobacco pay a lot of government bills, bad drivers may actually be where the profit margins are for big insurers. The one lost fact here is that in our society, bad behavior is taxed and punished financially and it’s a big boom to profits when insurance companies such as Progressive, Geico, Allstate, Mercury, Liberty Mutual, etc. have an excuse to raise rates. Bad drivers are actually a profitable group and it’s acceptable to charge them to the hilt (even male drivers who have never had an accident).

With self-driving electric cars on the horizon, the insurance industry is preparing for a substantial drop in revenue. Whether UBI is the way they want to go is questionable. The final thought is that UBI can help drivers save a little on their insurance. As I pointed in my car insurance quote comparison, bigger savings are accrued from shopping online.

Automobile drivers have direct access to hundreds of insurance companies. Are you reaching out to hear them?

Check out insurance for cars and trucks in your city:

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One way to get the lowest car insurance rates is to use a telematics device. If your driving behavior is erratic and aggressive, the insurer may not offer you lower rates so bad drivers may not benefit at all.  However, for responsible drivers, Usage Based Insurance coverage is an option that could reduce your rates even further. If you’re older and not seeing lower rates, the UBI option proves your better driving habits and perhaps that you’re not on the road as much as a younger driver.  With data at hand, it will be tough for the insurance companies to actively discriminate against certain groups of consumers.

TW_Telematic-Infographic-Web600px-NA-2013-33019-v4.indd

 

Auto Insurance Quotes Toronto

Lowest Auto Insurance in Toronto

Searching online is best way to lower your Auto insurance rates. Toronto drivers will get a better car insurance quote from any insurance company by searching for it via Google.  Rates are high and that’s why you should search now for a better policy for your car or truck. Hopefully, this is the beginning of string of years where you save up to $1700 per year on your auto insurance premiums.

Not so Dumb!
Don’t be Dumb, Get the Best Auto Rates!

Don’t bother shopping locally in Mississauga, Toronto, Scarborough, York Region, Oakville, or Durham region.  I’m all for supporting local business, but they have to be competitive. It isn’t your job to line their wallets. Insist on competitive quotes from as many car insurance companies as you can.  Insurance brokerages in Toronto offer products from a big variety of auto insurers.  And you get quotes so quickly and easy now that you’re more certain the benefits and lowest rates for your truck, luxury car, or motorcycle this way.



Your Best Car Insurance Quote is Online

While you’re here, find out more about low mortgage rates, money making solar roofs, or contacting a better real estate agent in Toronto for a free home market evaluation. How does the Toronto housing market forecast look in 2017? Find better insurance rate quotes in Los Angeles, Phoenix, Boston, San Francisco, San Diego, Miami, Chicago, and Denver.

Quick, Easy to Fill out ecommerce Forms are all nice and dandy, but what you need right now is to search widely for the lowest insurance quotes and — Save Your Cash!




$10,000 Looks Good in Toronto Too!

Ten thousand dollars
Save on Your Car Insurance

No fault insurance in Ontario doesn’t mean you can give up on getting a lower insurance premium. It’s absolutely necessary to shop for a better rate. The only power consumers have to dictate prices on auto insurance is to shop and get lots of quotes.

Unwise to be complacent. If you’ve been loyal to the same  auto insurance company in Toronto, Mississauga, Scarborough, or York Region, or one of the national insurance brands for years, there’s nothing wrong with that unless they’re taking advantage of you.  Would any insurance company in Toronto take advantage of you and not keep giving you the lowest rate?

Tips to Save on Car Insurance

I’ve outlined how you can save on auto insurance premiums and here on this page, Toronto drivers can find auto insurance companies, insurance brokerages, and insurance agencies offering better rates to new customers. So come on, think positive and give these companies a chance to show what kind of super low rate auto insurance policy they can write on your vehicle.

What to Look for When Getting Auto Insurance Quotes

tipstosavemoneyIt’s tough to know when you’re getting a better quote on your Toronto auto policy when you’re not sure what it covers. There’s things you can save on and things you can improve on. Ask about accident forgiveness, rental vehicle coverage, rental replacement coverage, combining your home/contents insurance, usage-based coverage, higher deductible for collision damage, and discounts for using snow tires.




One tip that’s always bandied online is to cancel your collision coverage? Given how expensive vehicle repairs are, and the credit rating you’ll need to buy a y anew car, it might be wiser to hang onto your old beater. By all means get quotes either way and see what the difference is.

Get the best Los Angeles auto insurance rates, Phoenix auto insurance, Boston auto insurance, Chicago auto insurance, New York auto insurance,  Miami, Houston or Denver car insurance quotes.  With all the trucks, cars, and motorcycles on the roads, rates will only rise, and wait till Google’s driverless cars hit the roads in Toronto!

Learn more about liability coverage, so important in auto insurance in this infographic:

Check out insurance liability coverage on your policy. Infographic courtesy of
Check out insurance liability coverage on your auto policy. Infographic courtesy of Liabilityinsurance.org

Toronto Auto Insurance Agents

The Co-operators – Delvand Insurance Agency Ltd
3164 Yonge Street,
Toronto, ON M4N 2K6
(416) 544-8100

The Co-operators Insurance Agency
Elaine Friedman, Agent
1610 Bloor St W,
Toronto, ON M6P 1A7
(416) 604-4455

KRG Insurance Agency
2450 Victoria Park Ave #700,
North York, ON M2J 4A2
(416) 636-4544

Auto Insurance

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Look for better car insurance quotes in Los Angeles, Phoenix, Denver, San Francisco, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Toronto, Vancouver, Montreal, Ottawa, Calgary, Kelowna, Mississauga, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Sacramento, Mountainview, Palo Alto,  Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, and Honolulu.

How Big Companies Rule Google Rankings – PPC Advertising

Expertise + Money = Success!

Curious about how to get more out of your website and social media efforts?  

How about capturing more business via Google? Would that change your outlook for 2018?  You can do it, and this post is about how you can do it. It’s going to cost you and also require some talented expertise in content and something called outreach.

You can learn more about outreach here.  

The talented expertise I’m referring to are excellent content creators and innovative, expert outreach specialists. Combine one additional ingredient to the mix, and you’ll rocket your traffic and sales results into the stratosphere. Let’s find out what the ingredient is and how this actually works. It’s kinda simple really.




Insert Cash Here

Whether you  own a real estate brokerage, car insurance brokerage, or a law firm, the road to big traffic and big revenue is paved with spending.  High quality content with laser like messaging is highly valuable and so are the links it might create to your website.  You also need lots of links pointing to your web pages if you want to rank high no Google. And why would anyone take the time and effort to link to your website? Because they heard about it or have been to your site. It could be that simple.

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I want to say “high quality content” is king, but in reality, we need to discuss – ppc advertising. In fact, if you don’t advertise, you probably won’t  do well on Google and it will hamper your social media success as well. Not only does PPC advertising create customers fast and directly, it’s link creating benefits is something we need to talk about now.

When you consider how everything online points to ppc advertising, and how much reach ads have, why is it so hard to believe the ads won’t skew which sites gets linked to and Google’s organic search results?




Google Rankings are all About Links

As much as Google’s search engine indexing has improved over the years, it’s still woefully dependent on links to determine which sites will rank at the top. And because links are so difficult to obtain, only the most well-funded websites seem to get these rank boosting results.

Companies that spend more freely (but intelligent and strategic) seem to fare better as you’ll learn about below.  It’s not that they buy links outright, but rather how they get htem by the strength of their content and SEO strategy. If people don’t know your site exists, or have never viewed your content marketing pieces, they’re not going to link to your website. And links are not all equal. Links from influencers and top industry websites are much more powerful.

SEO pundits often speak of how brands are influencing rankings — that Google loves brands because of their consistency and popularity. Yet what’s really at play, is that brands have money to burn and they spend it on things that result in awareness such as advertising. That awareness generated in turn results in new, free organic links to their websites. Money does this.

When bloggers, journalists and social media users see a company’s advertising and other paid marketing efforts online, they pay attention. It’s a basic equation — advertising creates awareness. So we shouldn’t be surprised that advertising will encourage new inbound links from blogs or wherever. And that in turn will impact Google’s organic search results, or what’s being shared on Facebook.

In the Car Insurance Business

In the auto insurance sector, Geico, Progressive and Carinsurance.com receive phenomenal traffic from Google. They rank at the top for most car insurance quote related phrases. Is it just a coincidence that the biggest advertisers rank at the top in auto insurance search results? Is their content really that much better than all the other websites? Let’s take a big picture look at their website traffic.




This first graphic below courtesy of Spyfu.com shows how much traffic Progressive Insurance receives from Google organic search and via Google Adwords. Yes, it is shocking isn’t it? They’re a good company and they take content strategy, SEO and ppc advertising very seriously. The 3 elements compound their results. Spyfu estimates that they save $26,000,000 per month by doing SEO. They spend more on TV advertising and online advertising. The benefits of advertising are obvious and this big insurance company simply capitalizes on that big money effort.

Geico’s the same way. You’ve seen their excellent TV ads and these stats below show they spend a lot on ppc advertising too. Again, they save millions on advertising and get a boatload of car insurance buyers arriving on their website. Did you think it was only because of their how to save on car insurance blog posts?

Carinsurance.com is a different case. They don’t do TV advertising yet still are a dominant presence on Google search results. However, they spend generously on Google Adwords advertising.

Some experts might say it’s coincidence, while others have surmised that advertising does benefit organic rankings. There’s nothing that I’ve seen that would indicate that Google’s algorithm attempts to filter out the visibility advantage that companies who advertise receive (from TV, print, transit, or online advertising).

One key benefit of online ads is that even if users don’t click on ads, they often still see the ads. That’s free branding. In my opinion, online advertising is a huge factor in outreach. I’ve seen it with everyone from local real estate agents to auto insurance companies to automobile manufacturers. Advertising pays.

And if you hire outreach specialists to magnify the value of that exposure, you can dramatically accelerate the benefits.

Let’s Summarize all the Benefits of Using PPC Advertising

  1. reaching bloggers, influencers and customers via keyword phrases you can’t rank for
  2. using the keyword research data and conversion data from ppc clicks
  3. creating greater overall visibility online
  4. ppc campaigns give you better projections of SEO traffic and sales revenue
  5. helps give you more realistic picture of what you can achieve
  6. extra traffic makes content creation costs justifiable
  7. makes Internet marketing in general justifiable
  8. you can test specific keywords
  9. you can test content marketing campaigns – limited trials
  10. you can test your link building prowess and results

Yes, there are a lot of benefits if you organize and manage your campaigns professionally. That’s one area that’s giving marketers problems. Many of them to turn to ppc agencies or ppc automation software to get better organized.

The point to be made is that the advertising budget is often a sign of commitment, confidence and strategy.  The few companies that apply themselves to a strong high quality content strategy, advertising and outreach program are going to dominate their sectors. To do well you need a competitive ad budget and some expert content and outreach specialists. Make a commitment to that do all this in 2017. Success might be that easy.




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Auto Insurance Quote Vancouver Surrey Burnaby Richmond Coquitlam Langley BC

Best Auto Insurance Rates for Vancouver Drivers

BC auto insurance laws don’t make it easy to keep your insurance rates rock bottom. In fact, the latest report about ICBC admits your rates could climb 42% in the next 5 years. And if you’re driving a Porsche or Lamborghini, you can’t get auto insurance through public insurance any longer. Too costly for the government who are strapped for cash.

“ICBC needs to save to avoid the worst-case scenario that it reluctantly released Wednesday, showing basic rate hikes climbing by as high as 42 per cent, compounded, over the next five years” from a new report in the Vancouver Sun.

Living in greater Vancouver is costly enough without paying out thousands more for auto insurance. And how often have you made a claim on your car or truck? It doesn’t seem fair.

For most of us car insurance is a loss which is why we see it as a commodity. But seeing it that way has a danger — that you take it for granted that you can’t get better rates by switching auto insurance companies.

US drivers, check out: Seattle car insurance, Chicago car insurance, San Francisco car insurance, Denver auto insurance and Portland auto insurance quotes designed solely for you.




 

When you shop for car insurance, you’re basically preparing to switch insurers in order to save. And as this post on saving on car insurance points out, you can save as much as $1700 a month in some cases. But if you only save $600 a year, isn’t it worth it.  $600 x 10 years – $6000. Most drivers don’t draw out calculations over a decade, yet 10 years does pass and you’ll be looking back at where you lost your money.

In fact, you’re leaking money at every hour of the day. It’s time to take control and cut back on some of these costs. There’s no reward for making Geico, Allstate, RBC, TD, Progressive, or other big insurance companies rich.  It’s just money out of your pocket. And the only power you have is to use these insurance savings tips, plus get quotes from ten different insurance providers. You’ll create a policy just for you at a much lower rate.

So that’s it Vancouver drivers, you create your own insurance rate. Make sure you use above insurance savings tips to get the lowest quote possible.




How to Save Thousands on your auto insurance?

  1. buy usage-based coverage using telematics devices or software
  2. bundle your auto, home and life insurance
  3. increase your deductible
  4. don’t buy a car or truck that has the highest insurance rate
  5. check out the expected cost of the neighbourhood you want to move to
  6. use an old car/truck to commute to work
  7. use snow tires and let your insurer know they’re on the car

The Top Driving Tip For Vancouver Area Drivers?

Avoid the worst intersections in Vancouver, Burnaby, Richmond, Langley, Abbotsford, Surrey, Coquitlam, that create the most accidents. See this graphic from the Vancouver Sun and read the horrible reports on their site.

Vancouver’s Worst Intersection: The Willingdon interchange in Burnaby has the dubious distinction of being the most crash-prone location in all of B.C. Over a 5 year period there were nearly 2,200 collisions in that one spot, of that, about 900 resulted in physical injuries to drivers and passengers. How to save on car insurance in Vancouver? Avoid the bad intersections.

Did You Know You can get a copy of Your Driving Record?

Wondering why your auto insurance quotes aren’t low?  See what the insurance companies will see after they give you an initial quote.  Your driving record (driver’s abstract) is a record of your driving history, when your driver’s licence was first issued, plus any driving tickets/offences that occured in the last 5 years. You can apply for it online at BCIC.com.

Screen Capture coutesy of ICBC

Wanting to move to Vancouver? Real estate prices here have rocketed in the last 6 years, but have levelled off of recent.  Vancouver, Burnaby, Coquitlam, Richmond, and Surrey are very desirable places to live and there isn’t much land to build on. That’s why the price of your home in greater Vancouver will never drop. Whether it’s luxury condos in Richmond or downtown Vancouver, or a house in North Vancouver, the demand to live here will never go away. The fact is, Vancouver was rated as the best city in the world. Controlling immigration is primarily done through high housing costs. Vancouver is for the wealthy so be prepared to pay above one million for just about any property. Compare Vancouver income property to that of best cities in US to invest.

The Future of Car Insurance: Usage Based Policies

There are big changes coming in auto insurance. Self-driving cars may not get along well with motorcycles or other human driven vehicles, and given the way BC legislation is drawn up quickly, drivers could be in for a tough go in 5 years. There will be pressure to rate drivers according to how they actually drive. Those who want lower auto insurance rates will demand it. And self-driving cars will require no driver’s insurance.

Technology is pervasive and invading every aspect of our lives. It’s arrived in auto insurance and Millennial aged drivers are showing an acceptance of it. Is it wise or the road we should not go down. Learn more about telematics and car insurance.




Check out insurance for cars and trucks in these other cities:

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Car Insurance Quote San Jose CA – Cars Trucks Motorcycles Quotes

Get the Best Auto Insurance in San Jose Now

If you’re buying a new car, or you’re moving away from the San Francisco Palo Alto Mountainview Bay area, or your car insurance policy is up for renewal, this is a good time to review how much your auto insurance policy is costing you.

Car insurance in the San Francisco to San Jose corridor is expensive. In fact, everything’s expensive including your mortgage, which is why you need to find ways to save.

lowest-city-insuranceRevealed in this how to save on car insurance post is how you get quotes varying by as much as $1700 per year, and perhaps even more for young or high risk drivers. That’s why it’s wise to be open and ready to switch insurance companies.

7 Best Ways to Save on Your Insurance

  1. buy an old car to drive to work
  2. buy usage-based insurance
  3. don’t buy collision coverage for your old car
  4. install anti-theft device
  5. get at least 10 online insurance quotes
  6. raise your deductible
  7. don’t buy an expensive automobile or big truck




Don’t make these car insurance buying mistakes:

car-insurance-mistakes-infographic

The rate of growth of electric car manufacturing is increasing. Chances are you’ll be buying an electric car. Are they cheaper to insure because they don’t have a gas powered motor? Likely not. It has the same likelihood of being involved in a collision and repairs could actually be more expensive.

In the meantime, explore and compare car vs truck insurance so you’re able to get the best rates. If you’re saving even as low as $700 per year on your policy, that’s still $3500 over 5 years. And since most drivers tend to stick with an insurer out of convenience, it’s likely your premiums will rise over those 5 years. The major insurance companies have no inclination to provide lower quotes if they don’t have to. By shopping online for insurance, you’re putting pressure on them to lower those automobile insurance rates.




San Jose CA Auto Insurance Agents

Coast Auto Insurance Services Inc
1858 W San Carlos St,
San Jose, CA 95128, USA
408-977-1990

Acceptance Auto Insurance
2354 Alum Rock Ave,
San Jose, CA 95116, USA
408-254-7050

Harrington Insurance Agency
6920 Santa Teresa Blvd #101,
San Jose, CA 95119, USA
408-754-9000

Shop around for the cheapest car insurance rates online.  Rates vary in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Toronto, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Salt Lake City, Riverside, Rancho Cucamonga, Costa Mesa, Thousand Oaks, Simi Valley, Raleigh, Albuquerque, Glendale, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita, Temecula, Kirkland, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Chula Vista, Escondido, or Santa Monica.




Check out insurance for cars and trucks in your city including car insurance for luxury cars:

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Consider using a telematics devices with usage based insurance to ensure you get a lowest auto truck insurance quote. If your kids driving behavior is erratic and aggressive, the insurer may not offer you lower rates. Telematics is proving to help improve driver’s driving habits and thus allowing California insurance companies to offer lower rates. There’s nothing wrong with saving on auto insurance. Search more and save more!

Cheapest Auto Insurance Rates US

Where Can You Buy the Cheapest Auto Insurance?

Which States and Cities boast the lowest auto insurance rates? Let’s look at the studies done and find the best and the worst, just so you don’t think your high rate is “just me.”  Of course, the insurance companies are free to provide whatever pricing and coverage they like, regardless of which city or state you reside in. And you’re free to switch providers). Your neighborhood and credit rating may actually have more impact on your automobile, truck, or motorcycle insurance rates.

These are the latest average yearly prices for auto insurance as per insure.com’s annual survey. These results aren’t positively validated, however they’re a good indicator of auto and truck premiums across the US.  
Insure.com used a company to create auto insurance quotes from 6 large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state.  

We all know Michigan has the highest rates due to their lack of limits on liability.  Looks like the gap has closed quite  bit from Michigan’s rates to that of Montana and New Jersey.



National Average Premium $1,325.00
1 Michigan $2,738.00
2 Montana $2,297.00
3 New Jersey $1,905.00
4 Louisiana $1,842.00
5 Oklahoma $1,778.00
6 DC $1,773.00
7 California $1,752.00
8 Florida $1,654.00
9 Maryland $1,610.00
10 Rhode Island $1,608.00
11 Delaware $1,607.00
12 Georgia $1,559.00
13 Texas $1,510.00
14 West Virginia $1,456.00
15 Wyoming $1,421.00
16 Colorado $1,393.00
17 Connecticut $1,367.00
18 South Carolina $1,353.00
19 Arkansas $1,345.00
20 Alabama $1,337.00
21 Massachusetts $1,325.00
22 Pennsylvania $1,305.00
23 Kentucky $1,295.00
24 New Mexico $1,277.00
25 Mississippi $1,277.00
26 Oregon $1,267.00
27 Minnesota $1,257.00
28 Nevada $1,221.00
29 North Dakota $1,200.00
30 Nebraska $1,188.00
31 Arizona $1,188.00
32 South Dakota $1,168.00
33 Washington $1,168.00
34 Tennessee $1,145.00
35 Kansas $1,135.00
36 Indiana $1,113.00
37 Alaska $1,078.00
38 Utah $1,061.00
39 Missouri $1,056.00
40 New York $1,050.00
41 Hawaii $1,049.00
42 Illinois $1,035.00
43 Virginia $1,020.00
44 Iowa $989.00
45 North Carolina $987.00
46 Vermont $942.00
47 New Hampshire $941.00
48 Idaho $935.00
49 Wisconsin $912.00
50 Ohio $900.00
51 Maine $808.00

Do you need luxury car insurance quotes?




Best Auto Insurance Rates by US City

Nerdwallet conducted a study of car insurance rates by city and published their findings. How do these rates compare to what you’re paying?

Rank City State Population Average Car
Insurance Premium
1 Winston-Salem NC 232,397 $969.10
2 Greensboro NC 273,419 $1,089.58
3 Raleigh NC 416,126 $1,098.48
4 Durham NC 233,210 $1,100.50
5 Charlotte NC 751,074 $1,123.09
6 Boise City ID 210,151 $1,221.65
7 Rochester NY 210,850 $1,249.26
8 Fayetteville NC 203,922 $1,294.80
9 Spokane WA 210,107 $1,307.68
10 Montgomery AL 213,132 $1,375.82
11 Des Moines IA 206,577 $1,420.07
12 Birmingham AL 211,458 $1,429.36
13 Albuquerque NM 552,801 $1,442.01
14 Anchorage AK 295,570 $1,449.39
15 Mobile AL 194,887 $1,470.68
16 San Diego CA 1,326,183 $1,474.71
17 Chesapeake VA 225,050 $1,479.11
18 San Jose CA 967,478 $1,483.83
19 Madison WI 236,889 $1,490.36
20 Chula Vista CA 247,514 $1,490.56
21 Virginia Beach VA 442,707 $1,494.24
22 Irvine CA 215,511 $1,498.10
23 Fremont CA 216,912 $1,502.47
24 Huntington Beach CA 192,868 $1,510.83
25 Pittsburgh PA 307,498 $1,514.27
26 Oxnard CA 199,917 $1,519.11
27 Fort Wayne IN 258,803 $1,532.76
28 Bakersfield CA 352,429 $1,560.93
29 Tallahassee FL 182,955 $1,573.02
30 Norfolk VA 242,628 $1,591.95

(Chart above courtesy of Nerdwallet)




The Cost Breakdown of Car Insurance Premiums and Sources

This infographic provides a handy breakdown of costs related to auto insurance premiums.

car-insurance-cost-infographic




Luxury Cars: Shop around for the Best high end automobile insurance.

Rates vary in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Toronto, Vancouver, Montreal, Ottawa, Oshawa, Hamilton, Newmarket, Richmond Hill, Oakville, Calgary, Kelowna, Mississauga, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Portland, Washington, Atlanta, Irvine, Nashville, Sunnyvale, Salt Lake City, Riverside, Rancho Cucamonga, Costa Mesa, Thousand Oaks, Simi Valley, Raleigh, Albuquerque, Glendale, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita,  Henderson, Mesa, Temecula, Kirkland, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, Santa Monica, Miami Beach, and Honolulu.

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Cheapest Insurance Quote Nashville TN | Cars Trucks SUVs

It’s Easy to Get the Lowest Quote for Auto Insurance

You can only guarantee the lowest quote for auto, truck or SUV insurance by persistently searching online. The best insurance companies are eager to provide insurance coverage for you. Let that competitive process live and you’re sure to save thousands on your Nashville car insurance quote.

The biggest car insurance companies such as Allstate, Liberty Mutual, Geico and Farmer’s Insurance don’t always offer good rates. If their customers don’t demand discount auto rates and simply rollover their current auto policy, then the insurer’s profit will certainly rise. There’s savings on lower administration, and savings that should be passed to the insured driver aren’t. The driver’s insurance rates remaint the same year after year, or even rise, even without any driving infractions or claims.  If this unfortunate situation is yours, you need to be persistent in your search. Search online for at least ten quotes and you’ll get a much better rate.




Practice Safe Driving and Good Savings Habits

Yes, a practice of insisting on the lowest rates in Nashville is one that could save you plenty.  What are those savings tips?

  • drive a cheaper model of car or truck
  • drive an old model car or truck to work
  • bundle your home and auto insurance together
  • consider taking usage-based insurance to show your safe driving habits
  • buy an auto anti-theft device
  • combine your spouse’s auto insurance with yours
  • carry a higher deductible

All Tennessee insurance firms look at driver liability differently as they assess everything from your credit rating to the size of the engine in your vehicle. If you’re thinking of buying a new car or truck, get plenty of quotes for each of your choices. The differences in quotes could be sizable.

Learn more about usage based auto insurance coverage as this may help you save a lot if you happen to be a Nashville driver with good driving habits.




autoinsurancecostfactors

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Look for better car insurance rates in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Rockford, Peoria, Charlotte, Tampa, Miami, Orlando, Toronto,  Anaheim, Beverly Hills, Malibu, San Diego, Portland, Carlsbad, Santa Clarita, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, and Vancouver.

Find the Lowest Insurance rates online!

Auto Insurance Quote Detroit – Michigan’s Lowest Car Insurance

Finding a Better Auto Insurance Rate in Detroit

Unfortunately, Michigan has the highest automobile insurance rates in the country.  So, let’s hope you’re not going to take it, and stay with present auto insurance provider without checking around for much lower rates. The smartest move is to search online for a lower auto insurance quote.  The cheapest rate are there.

The big insurance brands have plenty of your dough to plow into TV and online ads, but branding is done for the purpose of keeping you stuck.  Instead, put Geico, AAA, Farmers and Progressive mascots and messages out of mind for now and begin shopping around for the best car insurance rate quotes.  A quote is their estimate of your liability and chance of making a claim.  But their quotation includes a lot of factors which may not be evaluated similarly by all insurance companies.  You may be offered or quoted a fantastic rate.




The savings on auto insurance can be profound. But don’t jump at the first offer. Remember to let national insurance brands and local Philly companies compete for your auto insurance business. When they compete, you have power.

 

Here’s 3 things you can do to get a better auto quote in Detroit:

  1. buy winter tires – the softer rubber and deep tread help give you traction and lower the risk of you rear ending another driver near an intersection, and how many times per winter do you see that happen? And what do you think happens to their insurance rate?
  2. look into usage-based insurance which lets the insurer see how you drive, how far, at which times, and where you go. If you don’t drive much during dangerous times over long distances, and you drive well, UBI could substantially lower your truck or car insurance costs
  3. bundle your home and auto insurance. These companies will give you a discount if you open other policies with them, so use your need for home insurance as an asset in this case

Insurance Buying Tips for Detroit Drivers

Check out these super saving tips for cutting car insurance costs in Michigan and get better auto coverage.

Your car insurance rate will depend on what  neighbourhood in Detroit you live in and what route you might take to get to work. Those commutes to work is where the liability for the insurer is.  Longer commutes raise the likelihood of an accident and an insurance claim.

Finding the best auto insurance in Detroit isn’t all that hard. Just open your eyes.

We can’t say it strongly enough, that persistence is the key. Set aside a good amount of time for searching for insurance and have a spreadsheet ready to record the prices these companies quote you.  Collect at least 8 estimates from insurers so you can feel assured that you’ve done your best in searching.

It’s a good feeling to know you put the effort into finding and saving. Savings of $10,000 over 6 years is possible as explained in the savings post.  It’s your right to be the lowest auto insurance quote possible.




Insurance Agents and Agencies in Detroit:

Fiesta Auto Insurance Agency
6442 Michigan Ave,
Detroit, MI 48210, USA
313-285-9042

Tony Massey – State Farm Insurance Agent
15 E Kirby St #112,
Detroit, MI 48202, USA
313-873-3334

Allstate Insurance Agent: Shauna Johnson
18711 Grand River Ave,
Detroit, MI 48223, USA
313-272-2020

 

 

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Look for better car insurance rates in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Rockford, Peoria, Charlotte, Tampa, Miami, Orlando, Toronto,  Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Sacramento, Mountainview, Palo Alto, Portland, Carlsbad, Santa Clarita, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, and Honolulu.