Tag: Insurance

Tesco Car Insurance Reviews #tesco #car #insurance, #uk #insure


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Tesco Car Insurance

Tesco car Insurance is an integral part of the major British supermarket and insurance company dedicated to providing excellent cover for its customers throughout the United Kingdom. Tesco is one on the UK’s leading car insurance companies, providing quality policies and products for drivers of all ages.

They offer excellent motor cover at reasonable costs so that the majority of UK drivers can afford. The cost of an average Tesco Car policy is deemed good value when comparing it to similar products available from other car insurance brokers based in the British Isles.

Tesco Offers and Insurance Quotes

Tesco offers several car insurance quotes that will suit the budgets and requirements of most drivers in the UK. They provide quality comprehensive cover as well as third party policies. Both of these insurance products include a wide variety of benefits as standard. They have a large selection of options in a variety of insurance types that keeps their ever growing UK client base very satisfied.

About Tesco Car Insurance

From the Tesco website

With our comprehensive Car Insurance, you get cover for your vehicle that includes: Uninsured driver promise, Small courtesy car, Fire and theft cover, Windscreen cover, Replacement child car seat, In-car entertainment equipment cover and UK cover extended to EU for up to 90 days.

Tesco Insurance Online

Purchasing an online policy from the Tesco website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

Contact Tesco Car Insurance

Below you will find contact details for Tesco car insurance. This information was researched by the UK Insure team.

Tesco Car Insurance Notes

Please note that the information on this page concerning Tesco car insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at UK Insure strive to keep company information up to date there will be occasions when some info may be out of date.

Top Performing Vehicle Car Insurance Companies

Here are a few the top performing car and vehicle insurance companies in the United Kingdom according to the latest figures released this month.

This data was last updated in:


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Insurance dictionary definition, insurance defined, indemnity insurance definition.#Indemnity #insurance #definition


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indemnity insurance definition

Indemnity insurance definition

  1. When you pay premiums in exchange for a policy that pays out when you crash your car in a car accident, this is an example of an auto insurance policy.
  2. When you save money in case you lose your job and are out of work, this is an example of insurance in case you lose your job.

insurance

Indemnity insurance definition

  1. an insuring or being insured against loss
    1. a system of protection against loss in which a number of individuals agree to pay certain sums (premiums) periodically for a guarantee that they will be compensated under stipulated conditions for any specified loss by fire, accident, death, etc.
    2. a contract guaranteeing such protection: usually called insurance policy : see policy, sense
    3. the premium specified for such a contract
  2. the amount for which life, property, etc. is insured
  3. the business of insuring against loss

Origin of insurance

earlier ensurance from Old French enseurance: see ensure

insurance

Indemnity insurance definition

insurance

Indemnity insurance definition

(usually uncountable, plural insurances)

  1. A means of indemnity against a future occurrence of an uncertain event. The car was totalled, but fortunately I had insurance.
  2. The business of providing insurance. After five years in banking, I switched to insurance.
  3. Metaphoric: Any attempt to anticipate an unfavorable event. The sky was clear, but I took my umbrella for insurance.
  4. Blackjack: A bet made after the deal, which pays off if the dealer has blackjack. I only take insurance if the count is right.
  5. (countable) An insurance policy

insurance – Investment & Finance Definition

Indemnity insurance definition

A product that a person or business buys, typically through monthly payments, that provides financial protection against risks. The monthly payments, called premiums, are made by a large group, which spreads out the risk for the company issuing the insurance. Losses are paid for from premium revenue that has been invested to earn a return that will cover the insurance company’s expenses and produce a profit. Consumers can buy insurance to protect against financial loss due to health issues, car accidents, damage to a home, and to protect against the negative financial effect of a relative’s death, among other things. Businesses can buy insurance to protect their property against damage and theft and to protect themselves against liability.

insurance – Legal Definition

Indemnity insurance definition


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Georgia Car Insurance – Quotes, Coverage – Requirements #georgia #car #insurance, #georgia, #car #insurance,

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  • Get free quotes from the nation’s biggest auto insurance providers.
  • Over 94% of Americans qualify for lower rates.

Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!

Car Insurance in Georgia

Georgia Car Insurance

Georgia is a rare state that requires you to have car insurance, but does not require that you show your insurance card as your proof of insurance.

Learn more about Georgia’s auto insurance requirements, options for additional coverage, programs, rates, and discounts.

Policy Requirements

In Georgia, you are required to have liability insurance to help pay for injuries or damages you might cause to someone else as a result of a car accident. You’ll need to have proof of this insurance in order to register your car in GA.

Your Georgia car insurance policy must have the following minimum coverage amounts.

  • Bodily injury liability.
    • $25,000 per person.
    • $50,000 for multiple people in an accident.
  • Property damage liability:
    • $25,000 for one incident.

Optional Car Insurance

Most companies that offer insurance in Georgia also offer additional coverage. When comparing car insurance quotes, ask about the following optional types of insurance:

  • Collision – This coverage will pay for damages to your car due to traffic accidents.
  • Comprehensive – This coverage will pay for non collision-related damages to your vehicle, such as damages incurred due to vandalism.
  • Medical and funeral services .
  • Uninsured drivers.
  • Rental car .

NOTE. While Georgia law does not require you to purchase collision and comprehensive insurance, your finance company or bank will require you to have these coverage types if you are paying a loan or lease on your car.

Georgia Proof of Insurance

In Georgia, a car insurance ID card cannot be accepted as your proof of insurance. Instead, all government agencies, including law enforcement officers performing a traffic stop, can check the Georgia Electronic Insurance Compliance System (GEICS) to electronically verify that you have valid car insurance.

It is your car insurance carrier’s responsibility to report your car insurance status to the GEICS database.

Make sure that you check your card tomake sure all your information is correct. If the information is not correct on your card, it is probably incorrectwith the GEICS. This can lead to problems verifying your insurance.

If you notice wrong information, contact your car insurance carrier to make sure any misinformation is fixed.

Also remember that your car insurance card still needs to be carried in case of an accident so you can exchange information with the other driver(s).

Driving Without Car Insurance

Through GEICS and the Georgia Registration and Title Information System (GRATIS ), the Georgia Department of Driver Services (DDS) will be informed of any change in your car insurance status.

If your car insurance is canceled and you do not replace it, the DDS will send you a notice to comply with Georgia’s car insurance laws, and the possible penalties you will face if you don’t. Such penalties include fines and driver’s license suspensions.

You will not be able to register your car or renew your car’s registration in Georgia if GEICS shows that you do not currently hold an auto insurance policy.

Driver’s License Suspensions

If your GA driver’s license is suspended because you didn’t have car insurance, you can get your license reinstated after your first offense by:

  • Waiting until your driver’s license has been suspended for a minimum of 60 days.
  • Purchasing at least the minimum auto insurance coverage required in GA.
  • Paying a reinstatement fee of:
    • $200 by mail to:
      Department of Driver Services (DDS)
      Validation Unit
      P.O. Box 80447
      Conyers, GA 30013
    • $210 in person at your local DDS office .

To have your driver’s license reinstated after your second offense of not holding the required insurance, you must:

  • Wait for your driver’s license to be suspended for at least 90 days.
  • Purchase car insurance and have your car insurance carrier file a Georgia Safety Responsibility Insurance Certificate (SR-22A).
  • Pay a reinstatement fee of:
    • $300 by mail (use the address above).
    • $310 in person at your local DDS office .

As of September 2013, you cannot pay your driver’s license reinstatement fees online if your driver’s license was suspended because you didn’t have car insurance.

Car Insurance Rates in Georgia

Car insurance rates vary by individual.

Georgia car insurance companies will factor in the following to determine your car insurance rates:

  • Your driving record.
  • Your car insurance claim history.
  • The make and model of your car.
  • Your age.
  • Your gender.
  • Your marital status.
  • Your credit history.

The simplest way to keep your car insurance rates low is by driving safely and obeying all traffic laws.

Car Insurance Discounts

While Georgia does not have any state-mandated car insurance discounts, most insurance companies offer the following discount types:

  • Good driver discount.
  • Good student discount.
  • Multiple-car discount.

You may also qualify for a discount on your car insurance premium if you complete a DDS-approved defensive driver course . Contact your insurance carrier to find out if they offer this discount and to get more details on eligibility.

Car Insurance Fraud in Georgia

Insurance fraud is very costly to insurance companies, and those costs trickle down to you, raising your policy rates.

Car insurance fraud could involve:

  • Faking an injury after getting into an accident.
  • Staging car accidents.
  • Giving false personal information to your insurance carrier.
  • Overcharging for treatment, if you’re a medical professional.

If you know of or suspect insurance fraud, you can report it by calling the Consumer Services Division of Georgia’s Office of Commissioner of Insurance at:

By reporting suspected fraud, you can actually save money by helping insurance companies maintain low-cost premiums.

Most Stolen Cars in Georgia

You are likely to pay higher car insurance rates if you own a car that is known to be a target for theft.

The following is a list of the most stolen cars in Georgia for 2013, according to www.nicb.org :

  1. Honda Accord.
  2. Chevrolet Pickup (Full Size).
  3. Ford Pickup (Fill Size).
  4. Dodge Caravan.
  5. Honda Civic.
  6. Jeep Cherokee/Grand Cherokee.
  7. Chevrolet Impala.
  8. Dodge Pickup (Full Size).
  9. Toyota Camry.
  10. Ford Explorer.

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Insurance Department #employees #state #insurance #corporation


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Insurance Department

Workers’ compensation insurance is required for most employers performing work in Virginia. It serves as a tradeoff, providing injured workers specific benefits while protecting employers from civil suit.

Insurance Responsibilities

The Insurance Department is responsible for ensuring that employers required to insure under the Act for workers’ compensation do so. It also serves the public by processing and approving Rejection of Coverage filings and by providing information and guidance on coverage requirements, regulations, existing coverage and other insurance questions. Insurance also ensures proper and timely insurer filings such as policies and cancellations. It also oversees professional employer organizations.

Coverage Provisions

As a general rule, a business with more than two employees is required by law to carry workers’ compensation insurance. In addition, a contractor or other business that hires subcontractors (or another business) to assist in their trade or to complete a contract must count the subcontractor’s employees when counting the total number of employees to assess coverage requirements. If the total of both the contractor’s employees plus the subcontractor’s employees is more than two, then coverage is required. This requirement applies regardless of whether the subcontractor has their own workers’ compensation coverage. An employer that is not required to carry coverage under the law may obtain coverage voluntarily.

Employee is defined broadly under the law and includes part-time, seasonal and temporary workers, executive officers, LLC managers, minors, trainees, immigrants and working family members.

Virginia does not provide or accept a waiver, exemption or “opt out” form for a sole proprietor or other business that is not required to carry coverage under the Act.

How to Insure

An employer may insure for workers’ compensation through any of the following means: 1) a commercial insurer: 2) an authorized self-insurer. 3) a licensed group self-insurance association. or 4) a registered professional employer organization. Virginia does not have a State Fund and coverage is not available through the Commission. It is available through an insurance agent or carrier.

In the Event of Injury

Employers are responsible for educating employees on work injury reporting before an injury occurs. In the event of a report of injury the employer should report the work injury immediately to their insurer.

Dual Regulation

Workers’ compensation insurance is under dual regulation in Virginia as in most states.


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Life Insurance – Term Life Insurance – Whole Life Insurance – Life Insurance Quotes

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Life Insurance Quotes Wiz is a FREE SERVICE dedicated to helping you with all of your needs for life insurance quotes. We offer access to a Nationwide network of life insurance. term life insurance. whole life insurance. and universal life insurance experts waiting to answer all your questions. Choose from 1000’s of life insurance policies available!

Life Insurance – Term Life Insurance – Whole Life Insurance – Life Insurance Quotes

Life Insurance Quotes Wiz provides a place to shop in private with no hassles. With a policy in place today, you can:

  • provide security for your family
  • protect your home mortgage
  • look at your estate planning needs
  • look at other retirement saving income vehicles

People buy life insurance because too often most of their other plans fail. They buy it because they realize the need of protection for their families after their death; or for a reserve for emergencies and additional income for later years.

“With premiums for term life insurance at their lowest in years, you can get the right protection and a great value.” Consumer Reports. More on term life insurance information!

Provide cash and income needs on and immediately following death such as unpaid bills and taxes and other obligations.

Prevent a family’s suddenly dropping from its accustomed standard of living after the death of the breadwinner.

  • Provide continuous flow of funds for the living spouse.
  • Allocate income funds for the children’s education.
  • Provide a retirement income throughout old age.
  • Provide a reliable savings plan for the future.
  • Supplement income when earning power is destroyed by illness of accidents, such as covering medical expenses.
  • Furnish surplus earnings for the investors should disaster strike.

The bottom line is this: While Life Insurance is not always the insurance product at the forefront of your thoughts, Life insurance is always a friend in time of need.

Life Insurance Wiz: Select the type of insurance quotes you’re interested in and fill in the insurance quotes form. It takes less time than one phone call to an agent! Within seconds, you’ll know the companies who have the best rates based on your profile.


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EGM Insurance – Pembroke and Petawawa #egm #insurance, #egm #pembroke, #egm #petawawa, #auto #insurance,

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Since 1942, EGM Insurance Brokers have been satisfying the general insurance needs of Pembroke, Petawawa and area residents and businesses. We truly are your one-stop insurance provider for vehicle, home, commercial, life – and everything in between including certified financial planning.

Get a local quote and learn how the EGM team can help you save on all your insurance needs. Better yet, call one of our licensed brokers for fast, friendly service because we are all about protecting what s most important to you.

What are Your Insurance Needs?

Just bought your first car or truck?
Congratulations! Now you ll need to shop carefully for auto insurance.

Want to know more about Auto Insurance Reform?
Learn how Auto Reform affects your auto insurance policy.

About to close a real estate deal?
Make sure your coverage begins on the closing date.

Opening a home-based business?
Liability coverage is a must.

Proud to be living and working on the family farm ?
Protect your legacy with a no-obligation, insurance reassessment.

Looking for savings in car and home insurance?
Ask us about money-saving insurance bundles.

No long-term financial plan?
Work with our experienced Wealth Management Planner for all your family s needs.

Hoping to protect you and your family against illness?
Help take the sting out of a serious diagnosis with Critical Illness insurance.

Don’t have a group health plan?
Ask us about Health and Dental coverage.

Own a boat, jet-ski, snowmobile, quad or other recreational vehicle ?
Make sure everyone who uses your toys is protected.

Running your own business.
Big or small, we insure them all. First we start with a report to management.

Tendering a contract and need bonding ?
Contact one of our brokers to process the documents you need.

Own a licensed restaurant ?
We can design an insurance strategy that protects you and your investment.

Renovating the kitchen or family room?
Protect your new appliances and furnishings by upgrading your home insurance.

EGM Insurance. Created by Design House


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Commercial and Personal Insurance from InterCity Agency (ICA), Queens, NY, intercity insurance.#Intercity #insurance


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Commercial & Personal lines:

1983 Marcus Avenue, Suite 100

Lake Success, NY 11042

After Hours Emergency Number:

Intercity insurance

Intercity insurance


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Disability Insurance Quotes, online disability insurance quote.#Online #disability #insurance #quote


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Disability Insurance From Berkshire

Berkshire is a leader in the professional disability insurance industry. Provider Choice is what we believe to be the most comprehensive product line available today. We don’t think there is a single policy available on the market today that can say they offer better protection to disabled professionals than Provider Choice. This is a policy designed for value, flexibility, and to protect your income so that you can live confidently on your terms should you suffer a long-term illness or accident that prevents you from earning an income.

Online disability insurance quote

Choose Your Occupation

To learn more about the specific needs of your occupation please choose from one of the options below or visit our general occupation section. You can learn exactly how other people in your occupation set up their disability policies with Berkshire.

  • Online disability insurance quotePhysicians Disability Insurance
  • Online disability insurance quoteDisability Insurance For Professionals
  • Online disability insurance quoteDisability Insurance For Business

Owners

  • Online disability insurance quoteDisability Insurance For Dentists
  • Online disability insurance quoteSupplemental Disability Insurance
  • See How Your Peer Group Owns Disability Insurance

    We have pulled back the curtains to show you exactly how people just like you are insured with comprehensive, personal disability insurance. Simply choose your occupation and not only can you instantly see the average premium people are paying who share your age, occupation, gender and income, but you can also see what percentage of people chose each optional rider.

    Why Buy From Us?

    Each and every agent in our office is truly a comprehensive disability insurance expert, and has qualified for Berkshire’s “Inner Circle” for DI production. You will not be dealing with a call center representative, you will be assigned to one of our agents who have years of experience and have handled hundred clients just like you. We know how to get every possible discount available, have a deep understanding of the classifications that disabilities fall under and have the relationships to make sure you get the best possible offers from underwriting.


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    Roof Insurance: ACV vs Replacement Cost #insurance #roof #damage


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    Roof insurance: ACV versus replacement cost

    If you live in one of the states hardest hit by wind and hail damage these past few years, you may have a gaping hole in your roof insurance coverage without even knowing it.

    A string of unusually costly years for roof damage claims in Oklahoma, Kentucky, Tennessee and elsewhere has prompted some insurers to dial back the roof coverage portion of their home insurance policies, especially on older roofs.

    One popular trend is to offer actual cash value, or ACV, coverage on your roof instead of full replacement cost value, or RCV. What s the difference? With ACV, your insurer pays to repair or replace your roof, less your deductible and depreciation for the age and type of roof. With RCV, however, the insurer pays all costs to make your roof whole again without factoring in depreciation, once you ve met your deductible.

    Winds of change

    Allstate led the trend two years ago, though the company prefers to say that its House Home policy offers a scheduled roof depreciation option for wind and hail damage on older roofs and is not the same as actual cash value coverage. Other insurers in hard-hit states, including Farm Bureau Insurance of Tennessee and American Family Insurance, also have moved away from traditional replacement cost value roof coverage.

    Michael Barry, spokesman for the Insurance Information Institute, an industry trade group, calls it a logical response, from the insurer s perspective.

    If you look at a company like Allstate, they have all these homeowners who have gotten three $20,000 roof replacements in three years. That s not a sustainable business model when they re charging you $1,100 a year for home insurance, he says.

    Unfortunately, the trend leaves homeowners who have never heard of ACV or RCV at a loss as to which coverage to choose (if given the choice) and could stick some who failed to spot a change on their policy renewal notice with a steep roof repair bill down the road.

    A potentially big out-of-pocket hit

    For example, say your $20,000 roof is 10 years old and your home insurance policy has a $1,000 deductible. If a storm destroys it and you have actual cash value roof coverage that depreciates the roof s value by $1,000 per year, your out-of-pocket share of the cost for a new roof would be $11,000 (comprised of the $1,000 deductible plus $10,000 for the depreciation). With replacement cost coverage, you d be out only the $1,000 deductible.

    The dollar difference between replacement cost value and actual cash value is huge, Barry admits.

    To avoid such surprises, Allstate gives House Home policyholders a roof payment schedule upfront that states exactly what their roof will be worth based on age and roof type, should disaster strike.

    It s really a loss settlement schedule, says Allstate Vice President Laurie Pellouchoud. It is only applied in the event of a wind and hail loss, so for other types of losses such as fire, your roof would be covered for full replacement cost.

    Pellouchoud declined to estimate what policyholders might save on their premiums by choosing the loss settlement roof insurance option, saying only, This is a way for customers to choose to purchase less coverage and pay less money. House Home policies are available in 27 states so far, she adds.

    A question of fairness

    At the trade group the American Insurance Association, chief claims counsel Jim Whittle sees the actual cash value roof option as a good thing for consumers.

    A lot of folks like ACV because they realize a real serious savings in their premium, and as a result of that they are, in essence, self-insuring for a portion of the loss, he says.

    Even so, Whittle says he recently switched insurers for his Maryland home after he found a policy with replacement cost roof coverage for less than he paid for his previous ACV policy.

    Consumer advocates find little to celebrate in the move toward actual cash value roof insurance coverage. Amy Bach, executive director of United Policyholders, a San Francisco-based insurance consumer group, says lower- and middle-income Americans and owners of older homes are being penalized unfairly.

    You always hear insurers say after every storm, This wiped out our entire year of premiums. Well, do they give people money back on the years that they don t file claims? No, Bach says. At the end of the day, (ACV) makes people feel like they re getting cheated.

    Even Allstate agents are balking at the trend. In our opinion, the House Home policy is a major step backward for consumers, Jim Fish, executive director of the National Association of Professional Allstate Agents, said in an email.

    But Whittle says any perceived unfairness has a time-honored remedy for home insurance customers.

    Shop around, he says. We have 3,000 property and casualty insurers in the United States, so there is a lot of variability in their products and how they market, and that s a good thing. That variability offers a lot of options in the marketplace.


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    Pennsylvania Insurance Discounts: Pennsylvania Car, Home – Life Insurance #pennsylvania #insurance #discounts, #pa #insurance

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    Pennsylvania
    Insurance Discounts

    Discounts for the Family

    • Bundle Discounts – You could save money and protect all of your important investments when you bundle a Farmers Auto policy with any of the following Farmers products:
      • Home
      • Renters
      • Mobile Home / Specialty Dwelling
      • Farmers Specialty (Motorcycle, boat, motor home, etc.)
      • Life
    • Distant Student – A discount for drivers 23 and under, who go to school at least 100 miles away from home and don’t regularly use the covered car.
    • Multi-Car – Cover more than one car under the same Farmers Auto policy and earn this discount.
    • Teen Driver – Your teen driver (19 or younger) saves on their auto insurance rates when you add them to your policy after 2 years in effect.

    Planning Ahead Discounts

    • Alternative Fuel – Own a hybrid, electric, or other alternative vehicle in PA, and you’ll save on your Auto insurance with Farmers.
    • Electronic Funds Transfer (EFT) – Pay your premium with an automatic EFT, and Farmers will lower your rates.
    • Homeowner – If you own your home, you may be eligible for this additional rate discount.
    • Pay In Full – Pay 100% of your term premium in one lump sum, and Farmers will lower your rates.
    • Transfer – Switch to Farmers Insurance from another approved provider, and you’ll save.

    Classroom Discounts

    • Good Student -Licensed drivers under 25, going to school full time, can lower their rates by getting good grades. This discount applies to any of the following:
      • High school student with at least a B average
      • College student with a 3.0 (out of 4.0) grade point average or higher
      • Dean’s List or Honor Roll student
      • Student ranked in the top 20% of their class or in the top 20% in national standardized tests

    Be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

    • Mature Driver – Senior Pennsylvanians, 55 and older, can earn an additional rate discount if they complete a state-approved Safe Driver Program. If you’ve finished a course like this in the past 3 years, you’re eligible for this discount.

    Defensive Driving Discounts

    • Anti-Theft – Factory-installed devices like car alarms, disablers, and similar systems help deter thieves from stealing cars. So Farmers discounts your policy if they’re equipped in yours.
    • Passive Restraint – Discount your First Party Benefits Coverage if your vehicle is equipped with factory-installed automatic seatbelts and air bags.

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