NLIC.org

Willie Said:

Raise Auto Insurance Rates, After given a Quote

We Answered:

yes, and it probably will. they don't do an MVR or CLUE search and do not pull credit on these sites. I have people everyday come in my office upset that they got a quote and it came in higher. go to a local agent in your area. they will be able to give you an ACCURATE quote. its always good to have a local agent so if and when you need help there is an actual person who is familiar with your file and needs.

Peter Said:

What programm do they use to build an "on-line insurance" web sites?

We Answered:

Web authoring software or webpage building software. Most sites have people that are trained in different web building languages also! Java, HTML, etc...

Jamie Said:

OK so I filled out a form to get quotes for health insurance on line?

We Answered:

To rely on any one particular sale is a sign of desperation. One follow-up call is understandable, especially if you requested contact, but several calls in the same week is a red flag. It is likely they are out for the sale, and nothing more. To retain a client for many years requires timely service and attention when requested. Hounding a potential customer shows the prospect that the commission is of most importance.

Stacey Said:

Can getting on-line auto insurance quotes adversely affect one's credit history?

We Answered:

Some insurance companies pull credit reports, some don't. Some who do only pull it during the purchase process, not the quote process.

Typically, credit inquiries by insurance companies are considered "soft" inquiries and do not affect credit scores.

Therefore, it's not something to be concerned about.

Chad Said:

Where can I get a legit quote on medicare supplemental insurance?

We Answered:

Take the hint: Insurance is not to be shopped on the internet!

Eva Said:

are insurance quotes more expensive on-line than if you talk to a real person at the insurance company?

We Answered:

There shouldn't be any difference, assuming that you're talking about a single company.

Charlene Said:

i got an insurance quote on line, and now I get tons of junk mail?

We Answered:

You can't stop the spam, however much you might wish. Not even the spam you see to have triggered. Avalanches are similarly unstoppable once triggered. Think of youself as a helicopter skier dropped high in the mountains who has indvertently triggered an avalanche and is no faced with riding it out -- not a chance of stopping it.

You've been spammed, possibly by the insurnace quote you recount. If it was that, what happened was this.

Whoever was behind that quote site, perhaps even a real insurance company, sold your email address (and the fact that you requested insurance info, so you must be <a car owner, a home owner, whatever>) to others. It's valuable for its a real actual email address -- these aren't all that easy to come across at a reasonable cost. And the spammers proceed to bomb you with junk.

Once your email address has been passed around like this, it's gone. You can't stop it and you can't make the people who have it stop using it. And any response to any of them merely confirms yet again that they have a real live person at that address, not a listserver or some other sort of non-purchasing sort of thing. Don't reply -- ever.

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symptom reduction

There are several mail filters types (Yahoo uses one) which can help. None is error free, and so if that email address gets important information from your rich, but ill, uncle Moneybags, you'll have to trawl all the junk to make sure nothing gets mislaid. But...

There is the 'white list' gambit. Accept only mail from certain addresses, for instance those you have sent mail to, or those not on lists of known spam mailers, or ... There's the 'black list' variant which blocks all mail from known spam mailers, and accepts everthing else. This last allows new people to actually reach you, but also permits new spammers to do so. There are services on the Net which identify spam sources for addition by such mail filters. You identify something as spam, send a copy to the site, and it gets added to the list everyone can use. And there's the "you identify it as spam" and thereafter your filter will block it" approach. Sort of a locally generated black list, with you doing all the identification work.

The best group are probably the statistical filters which generally use something called 'Bayesian statistics' to learn, automatically. They watch what you do (ncluding declaring this email to be spam, or wrongly classfied as spam), decide from that what spam looks like and real email looks like, and apply the conclusion to new email from any source. It's an automated way to build your own extensible black list.

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preventive strategies

If the email address you use isn't really yours, any spam that gets sent by evil spammers won't get to you. There are Web sites which will provide a single use email address which is good only for an hour or maybe a few. You can retrieve email sent to the address for a while, but after that, it's gone forever.

And there are proxies like Yahoo, which act as your email agent, on their machines and so yours isn't cluttered up with spam clog. if their filters are good ones, you won't be much bothered, though you may lose the occasional important email at that address.

The sort of email arrangemetn in which all the mail comes to your machine allows you to choose which of the filtering schemes you want to use, or experiment with. The kind, like Yahoo, which keeps your email on their machines doesn't. There are advantages to both, as well as disadvantages.

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Of course the largest disadvantage with any spam block strategy is that spammers exist at all and continue to try to bury the lot of us in drek. May they all suffer from a terminal case of itch.