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Elephant Auto Insurance Review 2020

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A subsidiary of Admiral Group plc that was founded in 2009, Elephant Insurance prides itself on a customer-centric focus and a company that is “big, strong, and built to last” while at the same time be like elephants that are “kind, caring, and look out for their herd.” Currently, their insurance is available in Illinois, Indiana, Maryland, Tennessee, Texas and Virginia.

As a consumer of Elephant Insurance, you will enjoy a variety of insurance options like homeowners, renters and auto insurance. When you have more than one type of insurance with Elephant, it offers some great bundle discounts (varies by state).

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Elephant auto insurance overview

As part of its customer-centric promise, Elephant tries to make finding and getting auto insurance as simple as a few clicks. For customers who seek a more person-to-person approach, Elephant also offers the same level of service by phone. All Elephant policies, including auto insurance, are sold directly from Elephant to the consumer.

After a thorough review of Elephant’s website, we dug deeper to discover other important factors like customer satisfaction ratings, financial stability and overall business rating. Although Elephant is not yet rated by J.D. Power or AM Best, we did discover its A+ BBB rating as well as an A1 (stable) Moody’s score. We also reviewed customer feedback, where Elephant received a 4.2 out of 5 rating on Google reviews.

J.D. Power Rating AM Best Rating BBB Rating Moody’s Google
Rating Not rated Not rated A+ A1 4.2/5

Elephant insurance rates

Auto insurance rates are dependent on a number of important factors. As a result, it is difficult to find stated rates on auto insurance provider websites. To provide accurate premium information to consumers, Elephant needs to know things like age, gender, location, own/rent status, marital status, vehicle type and age and driving record.

Using Elephant’s online quoting process, we input some basic data to get a quote. A 30-year-old male in Tennessee driving a 2015 Honda Accord EX, drives 10,000 to 12,000 miles per year, is single and has a clean driving record would pay around $177 per month for Elephant auto insurance. The online quoting feature allows you to then customize your coverage amounts based on your needs and then updates your cost on the screen for you to see.

Upon review, Elephant’s insurance rates fall on the higher end of the range of average auto insurance rates. Again, we used Tennessee for our assessment. There are only 3 out of 31 auto insurers in Tennessee with average annual premiums higher than Elephant’s.

Elephant auto insurance review

Coverage options

Elephant offers a variety of different auto insurance coverage options. Elephant offers bodily injury liability, collision, property damage liability and comprehensive coverages.

Additionally, you can add other optional coverages like emergency roadside coverage, medical payments, other than collision, rental reimbursement, loan lease payoff, custom equipment and legal assistance.

Discounts

We were surprised by some of the unique discounts offered by Elephant. Discount possibilities include:

  • Bundle discounts
  • Multiple-policy discounts
  • Good driver discounts
  • Homeowner discounts
  • Good student discounts
  • Paid-in-full discounts
  • Online quote discount
  • Electronic signatures
  • Paperless billing and statements

Other unique features

Elephant offers 24/7 claims service either online or by telephone. This means no business-hour delays in filing a claim or checking its status. Elephant also offers the option to purchase a 12-month policy.Customers report satisfaction with this option as many insurers only offer 6-month policies.

The competition

    Not every company works for every person. Here are some of Elephant’s top competitors that you might consider if Elephant isn’t what you’re looking for.

  • Allstate: Founded in 1931, Allstate has a rich history of providing insurance to American consumers. As a result, its “you’re in good hands” promise may be validated by many years of proof while Elephant is a much newer company and lacks some of the ratings the older companies like Allstate have.
  • Geico: Known for its savings promising gecko, consumers may discover lower rates on auto insurance with Geico. Geico has been around for over 80 years and has a long-standing reputation for making auto insurance easy for its customers.
  • Progressive: Boasting over 18 million customers, Progressive has a leg up on innovative technology, making its website one of the best websites of auto insurance providers we’ve seen. Though all your insurance needs can be taken care of on the website, Progressive also employs local agents to provide a one-on-one personalized customer approach.
  • State Farm: State Farm is another tried and true auto insurance provider. Founded in 1922, State Farm is a nationally recognized name and earns high ratings on J.D. Power, AM Best and BBB. Consumers seeking lower rates and more one-on-one customer service may be more satisfied with State Farm.

What others are saying

Since 2014, Elephant has earned a Richmond-Times Dispatch award as one of the Top Work Places. Happy employees usually result in great customer service and happy customers.

The bottom line

Elephant has a great selection of auto insurance options and a user-friendly website to offer customers and potential customers a convenient and seamless experience. While Elephant is higher than average in cost, you may qualify for multiple discounts that could result in savings over other companies offering lower premiums. We recommend seeking multiple auto insurance quotes to see if Elephant is a good option for you.

The post Elephant Auto Insurance Review 2020 appeared first on The Simple Dollar.



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My Unconventional Best Work-From-Home Gear Guide (What’s Yours?)

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I’m quite familiar with working from home in my tiny 78 sq. ft. “office”, but after looking at some online WFH gear guides recently, it’s all about standing desks, latest laptop models, and USB hubs. Eh? My desk is a basic folding table and my laptop is a 2015 Macbook Pro (with real scissor keyboard and real moving trackpad) that recently underwent DIY battery replacement surgery (way too complicated, Apple!).

My favorite WFH gear is different. Maybe yours is too? These are real things that I bought with my own money and I would buy them again if I had to do it all over again.

Quiet, Please! – 3M PELTOR X5A Over-the-Head Ear Muffs

I wear these every day to help me focus. They have the highest noise reduction rating (31 dB) available on the market. You even have to certify that you are using them for “professional/commercial use” (which I am while working for money, as far as I am concerned). At ~$30, they are also about $10 more expensive than other similar models, but I think the extra $10 is well spent to know you have the quietest experience possible. If you have kids running around the house, you need all the help you can get. They are “over ear”, which means they don’t put pressure on your ears and I can wear them for a relatively long time without discomfort. (I try to take regular breaks anyway.)

Budget Noise-canceling Headphones – Mpow H5 Active Noise Cancelling Headphones

After a certain member of the house (ahem) stole my trusty old pair of wired Bose QC25 headphones, I decided to try out a budget pair of $50 bluetooth noise-cancelling headphones. These over-hear headphones worked out quite well and I really don’t miss the old Bose ones. I’d say they are 80% as good while under 20% the price of new Bose QC35 headphones.

Note: I do own a pair of regular Airpods, which I got as a nice gift. I do like them and use them for phone calls around the house and outside, but I use the Mpow headphones while at my desk listening to music or editing things.

Dependable Printer – Brother Monochrome Laser Printer

This thing is the workhorse of my home office, and yet also the oldest electronic item here at over 10 years old. Which is rather crazy, given that it has moving parts and daily to scan PDFs, make copies, and of course print. These Brother black-and-white laser printers are like the Toyota Corollas of the printer world – cheap yet reliable. The cost per page can be very low thanks to generic toner cartridges (that link is for two of them) if you don’t mind a slight decrease in quality.

Dry Erase Whiteboard – Magnetic Dry Erase Whiteboard

Another inexpensive but important addition for a variety of reasons. Sometimes something physical is just better than the digital alternative. This one is lightweight and thus easy to remove from the wall and move it around. You can also put up complex equations or obscure drawings and put it behind you during those Zoom and Webex meetings and impress/confuse/scare your colleagues. I like these BIC markers as they are higher quality and have finer points.

Looking around my desk, other random things that I probably like more than I should are my TI-85 calculator, classroom-grade pencil sharpener, and an ancient Swingline stapler (sadly not the red 747). The only thing that I have been thinking about upgrading is my office chair. Any suggestions?



“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

My Unconventional Best Work-From-Home Gear Guide (What’s Yours?) from My Money Blog.


Copyright © 2019 MyMoneyBlog.com. All Rights Reserved. Do not re-syndicate without permission.



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Best NRE FD Rates 2020 : All You Need To Know

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Non-Resident External or NRE Account can be a Savings, Recurring or Fixed Deposit Account where NRIs can deposit their foreign currencies which gets remitted to an Indian Account. An NRE account is held in Indian Rupees and is completely tax-free. In this article, we will discuss how you can select the best NRE FD and give you the best NRE FD rates in different banks in India.

NRIs cannot open a regular account that is designed for Indian Residents as per the guidelines by Foreign Exchange Management Act (FEMA) and this can attract huge penalties if breached. Also, no interest is earned if the account is closed within a year.

Benefits of an NRE FD Account

An NRE FD Account holder has the following benefits –

  • Both principal and interest earned are tax-free in India
  • Principal and interest earned are freely repatriable to account holder’s country of residence
  • High-Interest Rate
  • Can be opened jointly with other Non-Resident Indian(s)
  • Offers flexible tenures that may range from 1 year to 10 years

Best NRE FD Rates

Below is a table that compares NRE Account FD Rates across all the banks along with the tenures mentioned.

Name of the Bank Tenure
1 year 2 years 3 years 5 years
SBI 5.70% 5.70% 5.70% 5.70%
HDFC BANK 6.15% 6.15% 6.25% 6.15%
ICICI BANK 5.80% 5.80% 6.00% 6.00%
PNB 5.80% 5.80% 5.80% 5.80%
AXIS BANK 6.55% 6.65% 6.50% 6.50%
CANARA BANK 5.85% 5.85% 5.80% 5.80%
KOTAK MAHINDRA BANK 5.90% 5.90% 5.90% 5.50%
BANK OF BARODA 5.90% 5.90% 5.90% 6.15%
BANK OF INDIA 6.30% 6.25% 6.25% 6.25%
IDBI BANK 5.95% 5.85% 5.90% 6.10%
UNION BANK OF INDIA 6.75% 6.40% 6.40% 6.45%
FEDERAL BANK 6.15% 6.15% 6.25% 6.25%
INDUSIND BANK 6.65% 6.75% 6.75% 6.65%
YES BANK 7.25% 7.25% 7.25% 7.25%
CENTRAL BANK OF INDIA 5.70% 5.70% 5.70% 5.70%
INDIAN BANK 5.90% 5.80% 5.80% 5.80%
HSBC BANK 4.50% 5.00% 5.25% NA
CITIBANK 4.25% 4.25% 4.25% 4.50%
INDIAN OVERSEAS BANK 6.25% 6.30% 6.20% 6.20%
PUNJAB AND SIND BANK 5.85% 5.85% 5.85% 5.85%
UCO BANK 6.10% 6.10% 6.10% 6.05%
UNITED BANK OF INDIA 6.50% 6.25% 6.25% 6.00%
ORIENTAL BANK OF COMMERCE 6.25% 6.25% 6.25% 6.25%
DBS BANK 5.75% 5.75% 5.75% 5.75%

* IndusInd Bank provides this interest rate for 61 months and above. 

Small Finance Bank FD Rates

Our government has licensed some companies to operate as financial institutions, small finance banks for example. Though not a scheduled commercial bank, these institutes are very niche in operations Fixed deposit is one of the services offered by Small Finance Banks. Down below are some small finance banks that provide the best interest rates for an NRE FD Account.

Small Finance Bank Tenure/ FD Interest Rates
1 year 2 years 3 years 5 years
AU Small Finance Bank 7.00% 7.50% 7.77% 7.50%
ESAF Small Finance Bank 8.00% 7.75% 7.30% 7.30%
Equitas Small Finance Bank Limited 7.75% 7.45% 7.55% 6.75%
Suryodaya Small Finance Bank 8.00% 8.00% 8.25% 9.00%

Conclusion

We see that it is very tough to choose from, especially when each is better on its own. But there are certain factors you must keep in mind while going forward such as interest rate and a trustworthy long-term relationship with the bank. Also, you must check if the account can be operated from the country you live in right now. Some major banks have branches in countries like the USA, UK, and the Middle East.

The post Best NRE FD Rates 2020 : All You Need To Know appeared first on Compare & Apply Loans & Credit Cards in India- Paisabazaar.com.



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Coronavirus Stimulus Check 2020 [how much you’ll get & who qualifies]

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(The following is a transcription from a video I recorded. Please excuse any typos or errors.)

Quick little update for you.

The Senate and the White House reached an agreement on this big stimulus bill, the Trump coronavirus stimulus check for 2020.

Let me share with you who will be eligible, how much you will get, what the qualifications are, and when you can expect to receive the stimulus check from the U.S. government.

And so if you haven’t heard about this, it’s pretty cool because you’re probably going to be getting a nice fat check from the government.

Here are the details that you need to know.

It is expected to be up to $1,200 per adult and $500 per child, which is pretty fun.

These amounts are based off of your 2018 tax returns if you haven’t filed 2019 tax returns yet.

Taking Your Income Level Into Consideration

And according to this article from the Los Angeles Times, the amount received will decline gradually beginning with individuals who make $75,000 a year or married couples who make $150,000 total each year.

Individuals making $99,000, or above or couples making $198,000, or above would receive no check.

Which looks like this:

And here is another helpful breakdown of how big your stimulus check will likely be:

When will you get your check?

Stimulus Check Timeframe

The fun thing about is they’re expected to be shipping within the next few weeks.

So that’s really cool. And you don’t normally see the government move this fast on things, but the stock market’s been doing fantastic the last two days as a result of the expectation of this thing coming through.

While I’m not really excited about the long term effects of the government giving away all this money, I know a lot of people who will be excited to get a little bit of cash in their pocket.

So that’s the latest update for the Trump coronavirus stimulus check for 2020!

Let us know in the comments below what you plan to do with this Trump stimulus check that you will hopefully be receiving soon!



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