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Online Auto Insurance Report
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1 Online Auto Insurance Report April 2009 FOR FURTHER INFORMATION, PLEASE CONTACT: Susan Engleson comscore, Inc comscore, Inc.
2 Contents Introducing comscore Online Auto Insurance Report... 3 Overview of the Online Auto Insurance Industry... 3 Consumers Research Insurance and Quote Online... 3 Insurance Shopping Slow in Second Half of Consumer Response to the Economic Climate... 7 Consumers not Willing to go Without Insurance... 7 Affordability a Limiting Factor for the Uninsured... 9 Consumers Not Actively Shopping for New Insurance during Downturn Consumers Conscious of Insurance Pricing Policy Prices Important, not Sole Determinant of Insurance Choices Bundling Presents Consumers with Potential Savings Consumers Unaware of Pay-As-You-Drive Status of Online Shopping and Purchasing Growth in Online Shopping Consumers Prefer Online Shopping, Offline Purchasing Online Policy Management Preferences Payments Most Popular E-servicing Activity Consumers Still New to Mobile Servicing Conclusions Consumers Not Changing Policies Despite Weak Economy Consumers Prefer Agents for Purchasing Online Servicing Exhibits Growth; Mobile Servicing Not Yet Gaining Traction Table of Figures About comscore, Inc PAGE 2
3 Introducing comscore Online Auto Insurance Report The comscore Online Auto Insurance Report presents a detailed overview of the online auto insurance market with insights into overall industry trends, the competitive landscape, and key areas influencing online consumers decision-making process. Primary areas of focus include the effect of the weak economy on the industry, the volume of online quote requests and policy purchases, attitudinal insights into customer preferences about agent versus direct channel purchasing and channel preferences for policy management. The study analyzes the online behavior of comscore s passively-observed panel of 1 million U.S. consumers, as well as attitudinal insights from a comscore survey of more than 2,000 U.S. online consumers conducted in February/March In order to demonstrate shifts in the industry, the findings from this study were compared to results from the 2007 and 2008 comscore Online Auto Insurance Reports, which each included surveys of more than 2,000 respondents and were conducted in March 2007 and March 2008, respectively. Additionally, results from other previously-published comscore studies are included in this report to provide further industry perspective. Overview of the Online Auto Insurance Industry Over the past several years, the Internet has fundamentally changed the relationship between customers and their auto insurance carriers. Prospects are increasingly turning to the Internet as a primary source for research and price comparison, while existing customers go online to pay bills and make updates to their policies. Many insurers understand the importance of the online channel, crafting marketing and retention strategies that recognize the growing likelihood of their customers shopping and servicing online. Consumers Research Insurance and Quote Online Since 2007 there have been significant increases in the percentage of consumers who have ever used the Internet to find information about auto insurance. According to the survey, in 2009 nearly threequarters of consumers said they had used the Internet to find information about auto insurance at some point in time, versus two-thirds who had done so the previous year (Figure 1). PAGE 3
4 Figure 1 Do you, or have you ever used, the internet to find information about auto insurance? 39% 33% 27% 61% 67% 73% No Yes = change significant at a 95% confidence level Online quoting has given consumers the power to quickly and easily compare prices across insurers, and this shopping activity has gained traction in recent years. In 2008 consumers submitted 32.1 million quotes online across both insurer sites and aggregator sites (sites that compare multiple insurer quotes). A vast majority of those who submitted online quotes use insurer sites to shop, with 84% of all online quotes being submitted on an insurer site (Figure 2). Of the 16% of quotes submitted on an aggregator site, Insurance.com had the highest market share at 35% (Figure 3). GEICO led the insurer group with 32% of quotes submitted, followed closely by Progressive at 31% (Figure 4). PAGE 4
5 Figure Annual Online Quotes Submitted by Site Type Total Online Quotes Submitted: 32.1 MM 16% 84% Aggregator Insurer Figure 3 Figure 4 Aggregator Quotes Submitted GEICO Insurer Quotes Submitted 32% Insurance.com 35% Progressive Esurance 14% 31% NetQuote 29% Allstate 9% AIG/21st 5% Insweb 22% The General 2% InsureMe 7% The Hartford Nationwide 2% 2% AnswerFinancial 7% State Farm Liberty Mutal 2% 1% Source: comscore, Inc. Online Auto Insurance Insights, 2008 PAGE 5
6 Insurance Shopping Slow in Second Half of 2008 Although the Internet is a growing channel for the auto insurance industry, the year 2008 particularly the second half was weakened due to the economic downturn. The number of annual quotes submitted continuously increased until 2008, when the growth rate began to taper off. The first half of 2008 grew just 1 percent versus the corresponding time period a year earlier, while the second half of 2008 actually saw a 2% decline (Figure 5). Figure 5 Annual Online Auto Insurance Quotes Submitted (Millions) Y/Y % Change +30% +15% +15% -1% % % % Q3/Q4 Q1/Q % Source: comscore, Inc. Online Auto Insurance Insights, 2008 The total number of online policies purchased in the second half of 2008 declined 3% from the same period the previous year, the first such decline on record (Figure 6). PAGE 6
7 Figure 6 Annual Online Auto Insurance Policies Purchased (Millions) Y/Y % Change +35% +58% +37% +7% 1.2-3% % % % 1.2 Q3/Q4 Q1/Q Source: comscore, Inc. Online Auto Insurance Insights, 2008 Consumer Response to the Economic Climate With the second half of 2008 and first part of 2009 representing a severely dampened economic climate, consumers have been seeking ways to reduce discretionary spending. Many in the auto insurance industry have wondered whether insurance is an area where consumers might look to scale back. Consumers not Willing to go without Insurance Although the recent economic decline led consumers to alter their spending habits, auto insurance was not particularly impacted. Despite tighter household budgets, consumers indicated they are unlikely to go without insurance. Three-quarters (75%) of respondents said they were not at all interested in going without automobile insurance due to the poor economy, while only 6% of respondents indicated that they were extremely likely to go without insurance (Figure 7). PAGE 7
8 Figure 7 How likely are you to go without insurance due to the current state of the economy? Not at all likely Neutral Extremely likely 75% 19% 6% These low levels of intent to drop insurance persist despite the fact that most respondents are unaware of the negative consequences of an insurance lapse. Only 13% of respondents stated that rates would increase if they were to let their policies lapse for a month, while 72% didn t know. Of those who stated their rates would increase, two-thirds thought that they would increase 20% or less, although according to Insurance.com 1, prices could increase from 25-50% (Figure 8). Figure 8 If you were to decide to end your current auto insurance policy and reinstate it in a month or so, would your insurance company increase your rates? How much do you think your rates would increase? 11% 6% Not sure 15% 72% 13% 15% 35% 31% or more 21-30% 11-20% No Not Sure Yes Sources: comscore, Inc. Auto Insurance Survey 1 32% 1-10% PAGE 8
9 Consumers are currently not letting their policies lapse despite of being unaware of the consequences. However, insurers can still educate consumers about the impact of letting a policy lapse to help prevent future rate increases for their customers. Affordability a Limiting Factor for the Uninsured Only 4% of respondents said that they currently do not insure their automobiles (Figure 9). The incidence of uninsurance does not appear to be a reaction to recent economic downturn, as most respondents indicated they did not drop their insurance in recent months. Of consumers who do not currently have insurance, a majority (61%) have not had insurance for more than two months, while an additional 21% have never had auto insurance (Figure 10). Figure 9 Figure 10 Automobile owners - Do you have insurance on your vehicle? How long have you not had auto insurance? Has insurance I have never had insurance 21% 96% Does not have insurance 8 weeks or more 4 weeks to less than 8 weeks 9% 61% 2 weeks to less than 4 weeks 3% Less than 2 weeks 6% 4% The main reason that consumers go without auto insurance is the cost. More than half (51%) of uninsured respondents state being currently unable to afford auto insurance as the reason for going without it and 30% said that auto insurance is too expensive (Figure 11). PAGE 9
10 Figure 11 Why do you not have insurance? I am currently unable to afford auto/motorcycle insurance 51% It is too expensive My coverage ended and I have not renewed my policy I do not see the value in insuring my vehicle (it is old, not worth much, etc.) I am trying to cut back on expenses due to the economy I am not required to have auto/motorcycle insurance I am transitioning from a parent or spouses insurance policy 3% 20% 14% 13% 11% 30% 0% 10% 20% 30% 40% 50% 60% Two-thirds (67%) of respondents who don t currently have auto insurance do plan on either buying or rebuying it in the future, indicating that even those who don t have insurance are not interested in simply going without (Figure 12). Figure 12 Do you plan to purchase auto insurance coverage in the future? Yes 67% Not sure 22% No 11% 0% 10% 20% 30% 40% 50% 60% 70% PAGE 10
11 Consumers Not Actively Shopping for New Insurance during Downturn Not only are most consumers unwilling to go without insurance due to the current economy, but they also do not consider the state of the economy a reason to shop around for different insurance. 37% of all respondents were completely neutral in their insurance shopping behavior as it relates to the economy, while 30% of respondents indicated that the economy made them more likely to shop around and 33% of respondents indicated they were less likely (Figure 13). Figure 13 Have the current economic conditions made you more or less likely to shop for insurance? More likely Less likely 10% 8% 12% 9% 7% 17% 37% 0% 5% 10% 15% 20% 25% 30% 35% 40% Some consumers, however, have examined their current policies to reduce the cost of insurance, with 11% of respondents indicating they had changed their auto insurance policies due to the economy (Figure 14). Of those who did change their policies due to the economy, 41% lowered their coverage, 38% asked about discounts, and 31% increased deductibles in order to lower payments (Figure 15). PAGE 11
12 Figure 14 Figure 15 Have you changed your policy due to the current state of the economy? Which of the following changes to your policy have you made? Lowered my coverage Asked about all available discounts 41% 38% Increased my deductibles 31% No, 89% Yes, 11% Dropped full coverage (i.e. dropped comprehensive or collision) 19% None of the above 7% 0% 10% 20% 30% 40% 50% Though the economy has not caused many consumers to drop or make changes to their existing policy, insurers still need to be aware of price-consciousness and other factors affecting consumers who may be shopping for alternatives. Consumers Conscious of Insurance Pricing Price, not surprisingly, factors prominently in the consumer decision-making process when considering purchasing insurance. Nearly half (45%) of respondents indicated that price was the most important factor when purchasing insurance, more than double the percentage of consumers who said that asset protection was most important (18%) (Figure 16). PAGE 12
13 Figure 16 What is most important to you when purchasing insurance? Price Protecting my assets/possessions Having a real person who I can visit with or call Customer service Company Convenience Referred by a family member/friend Other (Please specify) 6% 3% 3% 1% 12% 11% 18% 45% 0% 10% 20% 30% 40% 50% Consumers are especially price-conscious with respect to upfront costs, with more than one-fourth (26%) of respondents indicating they were not at all likely to purchase an insurance policy requiring a down payment of more than one month (Figure 17). Figure 17 Not at all likely 1 How likely would you be to purchase an insurance policy that required you to pay more than one month as a down payment? 26% 2 14% 3 9% 4 19% 5 13% 6 Extremely likely 7 9% 10% 0% 5% 10% 15% 20% 25% 30% Price is also the most common reason for consumers to shop for insurance. A majority (52%) of respondents who shopped for auto insurance in the past year were looking for a lower price than their current policy (Figure 18). PAGE 13
14 Figure 18 Why were you shopping for insurance? I was looking for a lower price 52% I just bought a new/used car/motorcycle Not happy with the service from my current insurer I saw a commercial on TV I saw an ad in a magazine/newspaper I just got married I was dropped from my current insurer I am recently separated/divorced I just retired 10% 6% 4% 3% 3% 2% 2% 20% 0% 10% 20% 30% 40% 50% 60% Consumers frequently shop around for multiple quotes in order to get the best price. Nearly two-thirds of respondents said they received more than one quote, with 47% receiving between two and three quotes the last time they shopped for auto insurance (Figure 19). Submitting multiple quotes is even higher among respondents who purchased their current policy online, with more than 80% of these consumers stating they received more than one quote. PAGE 14
15 Figure 19 How many quotes did you get when you shopped for insurance most recently? (crossed by method most recent policy was purchased) 34% 15% 14% 17% 4 or more 47% 46% 47% 2 or 3 49% 17% 38% 40% 36% 1 Online Toll Free Number Local Agent Total Most Recent Method of Purchase Price is also playing an increasing role in consumer loyalty towards their insurers. In 2009, significantly fewer respondents (46%) indicated that they were happy with their current insurance and are not considering changing compared to 2008 (50%). The number one reason for consumers to consider a change in insurer is a rate increase, with 29% of respondents selecting this reason. In 2008, only 25% of respondents reported that an increase in rates would cause them to consider changing their insurance company (Figure 20). PAGE 15
16 Figure 20 How often do you seriously consider changing your auto insurance policy? I am happy with my auto insurance company and am not considering changing. 50% 46% When my rates increase 25% 29% When the policy is up for renewal 19% 19% When I may be eligible for a discount (for example, on a birthday or 3 years after an accident) 10% 10% 2008 Every time I see an ad that says I ll save money When cars or drivers change 5% 4% 11% 10% 2009 When I file a claim 3% 3% When damage to the car occurs and I do not file a claim 2% 1% = change significant at a 95% confidence level 1% Other 1% 0% 20% 40% 60% Although some consumers indicated that they seriously consider changing auto insurance policies whenever rates increase, consumers are frequently unaware of changes in price once they have a policy. When receiving renewal notices, nearly half (46%) of consumers stated that there was no change in price, and an additional 13% said they did not know because they never compared the prices (Figure 21). Since most policies are re-rated before renewals, the percentage of consumers who actually receive changed policy prices at renewal is most likely higher. PAGE 16
17 Figure 21 When you received your most recent renewal notice, did you notice a change in your policy? Yes, the price decreased, 19% Yes, the price increased, 22% Not sure I didn t look at the price/compare to prior price, 13% There was no change in price, 46% While consumers don t scrutinize price heavily once they ve bought an insurance policy, price still plays a critical role during the shopping process. Therefore, insurers should focus on providing the most accurate price quotes upfront for consumers. Policy Prices Important, not Sole Determinant of Insurance Choices Although price plays an important role in choosing auto insurance, it is not the only important feature to consumers. Price loses its ability to sway consumers when sacrifices in coverage are made more explicit. Only 13% of respondents are most interested in a policy with lower coverages and low prices versus 18% who are most interested in a policy with higher coverages and high prices. A majority of respondents fall somewhere in-between, preferring a moderately-priced policy with moderate coverage levels, skewing slightly towards higher protection (Figure 22). PAGE 17
18 Figure 22 Which type of insurance are you most interested in? Higher Price/Maximum Protection Lower Price/Minimum Coverage 7% 11% 11% 5% 8% 25% 33% 0% 10% 20% 30% 40% While consumers rate price-related features as most important in an insurance coverage plan, many nonprice factors also play a role. Although 65% of respondents chose a safe driver discount as important and 55% rated a low deductible as important, respondents rated a well-known, trustworthy brand as the third most important feature in an insurance policy, with 48% indicating that it was important (Figure 23). PAGE 18
19 Figure 23 What features in auto insurance coverage plans are important to you? Safe Driver discount 65% Low deductible 55% A well-known, trustworthy brand Full replacement value for a new car that gets totaled Rental car coverage Accident Forgiveness Roadside Assistance Free windshield glass crack repairs Personalized service Guaranteed rate for 12 months 48% 46% 42% 42% 41% 41% 38% 38% Premium claims service High coverage limits Coverage to pay the remainder of a lease if car gets totaled Member organization discount 28% 24% 22% 19% Good student discount 14% None of the above 5% Other 1% 0% 20% 40% 60% 80% More than half of respondents stating that full replacement value of the vehicle and coverage to pay the remainder of a lease if a car gets totaled were important said they would be willing to pay more for these features. Consumers indicated they were even more likely to pay for many features in 2009 than they had indicated the previous year, including a well-known, trustworthy brand and a guaranteed rate for 12 months (Figure 24). Interestingly, consumers were willing to sacrifice on service, with only 30% indicating they were willing to pay for premium claims service, down from 35% in 2008 (Figure 24). PAGE 19
20 Figure 24 Would you be willing to pay more for auto insurance that offered the following benefits? Full replacement value for a new car that gets totaled Coverage to pay the remainder of a lease if the car gets totaled High Coverage Limit Roadside Assistance Rental car coverage Low Deductible A well-known, trustworthy brand Accident Forgiveness Free Windshield Glass Repair Guaranteed rate for 12 months Premium Claims Service Personalized service 26% 30% 35% 30% 29% 30% 37% 42% 35% 36% 40% 43% 39% 40% 47% 50% 45% 47% 44% 45% 54% 55% 54% 53% % 10% 20% 30% 40% 50% 60% = change significant at a 95% confidence level Bundling Presents Consumers with Potential Savings One way consumers can lower the price of their insurance policies is through bundling multiple insurance products through a single provider. A majority (69%) of respondents who have primary residence insurance said they used the same insurer as their auto insurance, yet nearly 1/3 (31%) do not (Figure 25). PAGE 20
21 Figure 25 Do you have insurance on your primary residence? Do you use the same insurance company for your primary residence and auto insurances? No 22% 31% No Yes Yes 78% 69% The method of auto insurance purchase influences whether a consumer uses the same insurance company for both primary residence and auto insurances. Among consumers with primary residence insurance, those who purchased their policy through a local agent were most likely to have the same insurer for both residence and auto insurance. More than three-quarters (76%) of these consumers had both policies with the same insurer. Consumers who purchased online were least likely to have both policies under the same insurer, with only 48% doing so (Figure 26). PAGE 21
22 Figure % 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Are Home and Auto Insurance Policies with the Same Insurer (by Original Purchase Method)? 24% 76% Local Agent 31% 69% Through Work/Other 41% 59% Toll Free Number 52% 48% Online 31% 69% Grand Total No Yes This difference might be explained in part by the fact that online purchasers are often more price-sensitive than consumers who purchase through other means. 60% of respondents who originally purchased their auto insurance policies online chose price as the most important feature when purchasing. Those who purchased through a toll-free number chose price as most important 52% of the time, and those who purchased through an agent only chose price as most important 41% of the time (Figure 27). PAGE 22
23 Figure 27 What is most important to you when purchasing auto insurance (crossed by original purchase method)? Price Protecting my assets/possessions Customer service Convenience 3% 4% 5% 19% 18% 14% 12% 11% 10% 41% 52% Agent Toll-free Number 60% Company 6% 7% 5% Online Having a real person who I can visit with or call 6% 3% 16% 0% 10% 20% 30% 40% 50% 60% 70% Additionally, online quoting for property insurance is only 6% the size of quoting for auto insurance and integration between auto quoting and property quoting is limited across the competitive set (Figure 28). Improving the online shopping experience for property insurance and promoting multi-line discounts represents an opportunity for insurers to turn their auto prospects into multi-product customers. Figure 28 Online submitted quotes for year ending Dec 2008 (Millions) Auto Insurance Quotes Source: comscore, Inc. Online Auto Insurance Insights, 2008 Property Insurance Quotes PAGE 23
24 Among those who use the same insurer for property and auto insurance, the top reason for bundling is because of discounts for using the same company for both lines. Although nearly a third (32%) of respondents chose this option, the number of consumers stating this option dropped significantly from 2008 (38%). The response my local insurance agent recommended using the same company was the only option to increase in comparison to 2008, with 20% of respondents choosing this option in 2009 (Figure 29). Figure 29 For what reasons do you use the same company for both your auto and primary residence insurance? 40% 35% 38% 32% = change significant at a 95% confidence level 30% 25% 20% 15% 21% 23% 25% 21% 14% 20% 10% 5% 7% 6% 5% 5% 0% I get discounts by using the same company I got the best price on both types of insurance. It is easier for me to have both from one company. My local insurance agent recommended using the same company. I know and trust the company. My insurance company offered me other insurance policies For consumers who do not use the same company for auto and primary residence insurance, the top reason chosen was price. One-third (33%) of respondents who do not bundle their auto and residence insurances utilized different providers because it was less expensive to purchase the coverages separately (Figure 30). PAGE 24
25 Figure 30 For what reasons do you choose not to use the same company for your auto and primary residence insurance? 40% 35% 38% 33% % 25% 20% 15% 20% 20% 19% 15% 13% 12% 10% 7% 8% 5% 0% It was less expensive to purchase separately. I did not think about using the same company. The insurance company I use to insure my car/motorcycle does not offer primary residence insurance. I require specialized coverage for my primary residence that is only offered by a limited number of companies. The insurance company I use to insure my primary residence does not offer auto/motorcycle insurance. Respondents who chose not to bundle their insurance policies because of cost, however, said they could be persuaded to switch to the same company if a discount is offered for multiple lines. More than half (51%) of these respondents indicated that they would be interested in bundling insurance if they were given a discount (Figure 31). PAGE 25
26 Figure 31 How interested would you be in bundling your auto insurance with your primary residence insurance if you were given a discount? Interested 51% Neutral 34% Not interested 15% 0% 20% 40% 60% Insurers hoping to entice customers to switch to their brand for multiple lines of coverage can highlight potential bundling discounts for consumers in order to increase interest in multi-line policies. Consumers Unaware of Pay-As-You-Drive Pay-as-you-drive, a policy based on how many miles a consumer drives, is another option for consumers to potentially lower their insurance costs. However, a vast majority (83%) of consumers has never heard of it (Figure 32). PAGE 26
27 Figure 32 Have you heard of payas-you-drive insurance? How interested would you be in purchasing pay-as-you-drive insurance? Definitely purchase 17% Probably purchase 25% No, 83% Yes, 17% Not Sure Probably not purchase Definitely not purchase 12% 18% 28% 0% 10% 20% 30% Figure 33 Although pay-as-you-drive is relatively unheard of by consumers, it is well-received by those who have heard of the concept, with 40% of those who have heard of it expressing interest in purchasing that type of policy (Figure 33). As a starting point, Insurers can increase consumer interest in purchasing pay-asyou-drive through additional education and marketing efforts. Status of Online Shopping and Purchasing Although the economy has caused a slight decrease in recent online shopping and purchasing, the Internet is still an important channel for auto insurance shopping. Though consumers more readily shop online than use the channel to actually execute a purchase, both areas exhibit growth opportunities into the future. Growth in Online Shopping Of the 52% of respondents who have shopped for auto insurance in the past 12 months, the Internet was the top channel for obtaining quote prices, with 63 percent of respondents indicating they utilized that channel. Agent-based shopping (in aggregate) was not far behind, however, with 26% calling or visiting local agents who represent one insurance company and 25% shopping through local agents who represent multiple insurance companies (Figure 34). PAGE 27
28 Figure 34 Have you shopped for auto insurance within the past 12 months? In which of the following ways did you shop/obtain price quotes when you shopped most recently? (Select all that apply) I went online to quote 63% I called/visited local agents who represent one insurance company 26% No 48% I called/visited local agents who represent multiple insurance companies 25% Yes 52% I called a toll-free number for quotes 18% Other 3% 0% 10%20%30%40%50%60%70% Among people who have used the Internet to get information about insurance, 53% of respondents have submitted a quote online. This percentage increased significantly from 2008 (48%), highlighting the continued growth in the number of insurance shoppers turning to the online channel for price comparison (Figure 35). PAGE 28
29 Figure 35 Have you ever received an auto or motorcycle insurance quote online? 52% 47% 48% 53% No Yes Quick Fact: In 2009, 73% of all respondents who used the Internet to find out information about auto insurance received a quote online = change significant at a 95% confidence level Advertising also wields the potential to fuel continued growth of online insurance shopping, as most consumers said they would turn to online sources to find out more about an auto insurance company after seeing an advertisement. The most common method of seeking information is visiting the website specified in the ad, which was chosen by more than a quarter of all respondents (Figure 36). Figure 36 If you wanted more information about a particular auto insurance company after seeing an advertisement, what would you most likely do? Visit a website specified in the ad 26% Use a search engine to find a website for the company Visit the company website to find the name and phone number Look online at a site other than the company website for the 9% 20% 19% Online Options Call a toll-free number in the ad 9% Look offline for the name and phone number of a local agent 6% Not Sure 11% 0% 10% 20% 30% PAGE 29
30 The second most common method of finding out information about an insurance company after seeing an ad is through search. This method of driving consumers to a website is a critical channel for conversion, and has grown in importance over the past several years. In Q4 2008, referrals from both natural and paid search made up more than one-third (34%) of all submitted quotes, the highest percentage of quotes from search observed since late 2005 (Figure 37). Figure 37 40% 35% 30% 25% 20% 15% 10% 5% Share of Industry Online Quote Submissions From Search 31% 31% 28% 24% 23% 24% 24% 25% 26% 24% 26% 22% 34% 0% Q4 05 Q1 06 Q2 06 Q3 06 Q4 06 Q1 07 Q2 07 Q3 07 Q4 07 Q1 08 Q2 08 Q3 08 Q4 08 Source: comscore, Inc. Online Auto Insurance Insights, 2008 Consumers Prefer Online Shopping, Offline Purchasing Although quoting online is the most popular way to get quotes, offline methods specifically agent-based methods are more popular when it comes to actually purchasing policies. However, this trend is changing over time as consumers become more willing to purchase a policy without a face-to-face interaction. Though nearly half (49%) of respondents originally purchased their current policy in person with a local agent, this represents a four point drop in share from last year. The method that increased in response in 2009 was purchasing through a local agent over the phone (up 3 percentage points to 18%), which suggests that some form of personal interaction is still an important part of the purchase process (Figure 38). PAGE 30
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This family-friendly guest house was inspired by the magnificence of the Palais Bahia which is quite close by. It offers its guests contemporary oriental charm, comfort and tradition. This is a riad of exception in Marrakesh, the luxurious guest house offers 5 spacious suites such as the romanticism of the Chamade suite. Intimate and devoted to guests' well-being, the guest house has thought of the smallest of details to help visitors escape day-to-day stresses and to taste the pleasures of life instead. Discreet but always available, the team will gladly respond to each of the guests' needs to guarantee them an unforgettable stay. Guests are welcomed into a lobby with 24-hour reception and check-out services. Facilities at the air-conditioned establishment include a hotel safe, hairdressing salon, TV lounge, bar and restaurant. Guests can take advantage of the hotel's Internet access, room service and laundry service.
The hotel is located in the heart of Marrakech. It is close to the Bahia Palace and metal works and it is 5 minutes to the Jemaa el Fna square. There is a bus station about 10-minutes' walk away and Marrakech-Menara Airport is approximately 5 km away from the establishment.
The spacious suites are full of character and each one is decorated with its own individual style. From the romanticism of the Shalimar suite to the zen-like ambience of the Joy suite. Each one has an en suite bathroom with a bathtub and hairdryer. The double or king-size beds are fitted with Egyptian cotton sheets. Amenities include a telephone, plasma-screen TV with satellite reception and internal channel, WLAN Internet access, a safe, mini fridge and both tea and coffee making facilities. A washing machine is provided for added convenience. Air conditioning and heating are standard features in all accommodation.
Opening onto the patio, guests will find the swimming pool, hammam, and a traditional Moroccan steam room, providing an unbelievable sensation of relaxation and well-being. Guests can pamper themselves with a massage or spa treatment. The roof terrace solarium is also a place of rest and relaxation, and the place for reading and sunbathing. Sun loungers and parasols are provided. There is a golf course about 15-minutes' drive away.
The hotel offers traditional homemade food based on locally sourced fresh produce. Each guest's wish is the chef's command when it comes to the menu. A different breakfast is served every day and complementary tea is provided.
The riad accepts American Express, MasterCard and VISA as methods of payment.
People from muslim countries/religion need a marriage certificate to share a double room.
Room Facilities:
Direct dial telephone
Satellite cable TV
Internet access
Mini fridge
Tea Coffee
Washing machine
Double bed
King size bed
Individual airconditioned
Individual heating

subset: commoncrawl


text: For creating online store for e-commerce websites across the world, our professionals make use of latest OS Commerce online store management systems. By creating e-commerce websites by using OS Commerce, the customers can own and self host their online store for selling a wide range of products online. For inquiry, you can contact us.


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Nearly 30 years of obsessively cataloging, photographing, and taking video of each part means it will fit your 1967 Pontiac Firebird V8 Engine and curved pitman arm - Manual Steering model Pitman Arm.
Period. No Hassle. GUARANTEED.
We cover round trip shipping if we make a mistake.
Check out the video below to view the Guaranteed Exact Fit process from start to finish!


text:
We create place.
What is place? We think of it as space that is timeless
and loved. It needs to be defined. It must be in a context and
a stream of history. And it needs to connect people on an emotional level. We take it a step beyond real estate development…
Half of it is great architecture and half is great uses. It is where people want to be and where they want to hang out. It attracts people and promotes relationships. In a virtual world, it offers something "real".
Creating place is a complex process. Brynn Grey brings to that process extensive experience in visioning, design, planning, construction, contracts, law, finance, marketing, property management, public relations and public/private partnerships. Add to that an extensive network of experienced and enthusiastic design, marketing and real estate professionals and we are, well, indefatigable. While most in our industry were heading for cover during the worst real estate downturn since the Great Depression, we continued to invest and develop. And that is the beauty of creating place. In addition to being timeless and loved, it is remarkably resilient during economic downturns.
On the left, you will see some of our stories about creating place. Whatever your interest in real estate or creating place – property owner, investor, developer, retailer, planner or elected official – we welcome a chance to chat.


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The nation's biggest power supplier yesterday raised gas bills by 12.4% and electricity bills by 9.4%. Some families will be paying around £100 more a year.
But nearly 5% of the firm's customers pre-empted the rise by moving to rival suppliers soon after the announcement was made at the end of August, according to a survey by uSwitch.com, the internet price comparison service.
It predicted that 4.7m more customers will soon desert British Gas, which supplies 12m gas and 6m electricity customers and had already put its prices up in January, by 5.4%.
The survey of 1,300 customers found that a quarter of those who have stayed with British Gas for more than ten years plan to switch and more than half feel 'let down' by the latest price increases.
USwitch director Jon Miller said: 'It is encouraging to see that even the most loyal of customers are finally voting with their feet.'
But British Gas branded the uSwitch claim 'complete rubbish'. The firm blamed the rising price of wholesale gas and pointed out that other major suppliers have also brought in increases.
Cut your fuel bills in minutes
- More about:
- British Gas Plc
- USwitch


text:
Sothys Shaping Neck Care helps to refine and sculpt the lower part of the face and neck. It is formulated with Mamuku extract, tri and hexa peptides, watercress and bitter orange work to increase collagen and elastin and redensify the dermis to restore a firmer more youthful appearance.
Free U.S. Shipping. Period. View Our Shipping Policy
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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Carsten Ziegeler <cziege...@apache.org>
|Re: [RT] Simplifying setup
|Mon, 01 May 2006 15:49:00 GMT
Daniel Fagerstrom wrote: > <snip rt/> I'm mostly fine with your proposed changes if you think that this helps Cocoon. In the end all changes that don't require to rewrite or change our current blocks are fine for me. But I'm remaining very sceptical wrt to a 2.2 release in general. I think one of our main goals is currently out of focus: release early, release often. This has nothing to do with this RT specifically, I just wanted to use this thread as a reminder to focus on a release :) Carsten -- Carsten Ziegeler - Open Source Group, S&N AG http://www.s-und-n.de http://www.osoco.org/weblogs/rael/
|View raw message


text: The Homework Room is housed in a large, open and quiet environment that encourages children to work productively with the help of the 92Y After-School Staff. The Homework Room is well staffed with teachers who are assisted by a carefully chosen team of high school juniors and seniors. Here, the children can work quietly with fellow classmates, a staff member, a community service volunteer or independently. Children may also choose a book from our 92Y After-School Book Corner and read quietly in the room. The Homework Room is available Monday through Thursday from 3:30 pm to 5:45 pm. Children may use it before or after their scheduled Enrichment Class.


text:
March 2010 Mexico & Grand Cayman Cruise
Sail Date: March 01, 2010
Reviewed: 7 years ago
Room Type: Oceanview
Pros: Cozumel Submarine was very good
Cons: Ship non-smoking rules were not inforced. Stateroom rank of smoke, people were smoking on non-smoking decks, even with signs clearly posted. Crew didn't seem to really care. Dinning room waiter did Very suggestive dancing during "dinner show".
Recommends Carnival Inspiration? No.
Category Ratings
Click table then swipe to view all columns.
Click table then swipe to view all columns.
|Cabin / Stateroom
|Clearly passangers have been allowed to smoke in our non-smoking room. Had to smell it every night.
|Ship Quality
|Service and Staff
|Spa staff was very nice.
|Food and Dining
|Good food choices. Everything tasted good


text:
Excellent experience
Sail Date: January 19, 2013
Reviewed: 4 years ago
Traveled As: Large Group
Room Type: Inside
Category Ratings
Click table then swipe to view all columns.
Click table then swipe to view all columns.
|Ship Quality
|Everything was kept immaculately clean.
|Food and Dining
|The staff works extremely hard to provide excellent food & service.
|Cabin / Stateroom
|Tip your stateroom attendant well! They deserve the highest praise.
|Service and Staff
|Everyone is smiling and friendly and goes out their way to be helpful.
|Could not find enough time to do it all!
|Children's Programs
|Onboard Activities
|We wished some of the game-shows were earlier, some don't start until 10:30 or later so were not able to partake in as many as we would have liked.
|Destinations and Excursions
|We didn't purchase cruise excursions but had a very enjoyable time with the ones we found after docking.
Port Ratings
Click table then swipe to view all columns.
Click table then swipe to view all columns.
|Ft. Lauderdale (Port Everglades), Florida
|It can take a couple hours from hotel to boarding ship, so leave early.
|Basseterre, St. Kitts
|Beware of the hagglers--- hold out for the best deal to take tours, etc. A beautiful island! Venture beyond main shopping area to find interesting and better deals.
|Philipsburg, St. Maarten
|Things here seemed over-priced. We would have liked to tour beyond the main beach but the water taxi was the limit we could spend. Everything else too costly.
|San Juan, Puerto Rico
|Take a bus tour of the old area then walk to explore the streets. So fascinating!
|Labadee (Cruiseline Private Island)
|Excursions are over-priced here. Save your money and explore what you can on foot and spend the rest of the time on the beach.
Board the ship early the first day. Even though the cruise didn't leave Ft. Lauderdale until 5:30 we were on in time to have lunch and get a chance to explore where everything is before the actual cruise began. Once our cabins were ready and luggage had arrived, we were able to start unpacking. Make every minute count! Get to the ice-show and Alhambra theatre early, the shows fill up quickly.
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It usually gets me in trouble, thinking.....Well, here we go, anyway.
The sun is getting overhead and there isn't a cloud in the sky, from what I can see. The wind is next to nothing. Does that hurt what has already been a tough bite here in Orange, Texas? Ya'll weigh in and let us know what you think.


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Stand Up Comedy in Los Angeles
With the siren call of Tinseltown forever beckoning everyone's inner star, it's no wonder that Los Angeles is a great place to enjoy a good comedy performance. Comedians who make it in smaller cities flock to LA by the thousands hoping to get noticed on a local stage; and while stardom may not be in their cards just yet, their presence is certainly something that the general public thoroughly enjoys. Many of LA's comedy clubs have served as the launch pads for some of the most famous career comedians, including a once little-known man from Toronto named Jim Carrey. On any given night, comedy fans can head to the local club for a showcase of up-and-comers tenaciously trying to break into the biz. Big name funny people are always gracing LA's stages as well, further enriching the Los Angeles comedy club scene.
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text:
I think this a picture of Abergavenny Town Hall, but am not sure. When we were staying in Abergavenny we lived outside, in Albany Road, on the way to the Rholben and the Deri, which we often climbed and as we didn't go into the town awfully much, only when my mother needed something, I have only vague memories of it. My great-grandfather Williams was Mayor of Abergavenny in 1905, and he wrote an autograph in my grandmother's album, which I still have. My mother's mother's family originally came from Abergavenny, which is why my grandparents went to live there after my mother married in 1934.
A memory shared byon Apr 10th, 2008.
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India Yamaha Motor Pvt. Ltd Hiring Diploma, Post Graduation freshers 2015 for Diploma Engineer Trainee at Delhi. Candidates who have completed Diploma, Post Graduation can apply for this job from India Yamaha Motor Pvt. Ltd.
Company Name: India Yamaha Motor Pvt. Ltd
Position: Diploma Engineer Trainee
Education: Diploma, Post Graduation
Experience: Fresher
Location: Delhi
Company Profile:
Yamaha made its initial foray into India in 1985. Subsequently, it entered into a 50:50 joint venture with the Escorts Group in 1996. However, in August 2001, Yamaha acquired its remaining stake as well, bringing the Indian operations under its complete control as a 100% subsidiary of Yamaha Motor Co., Ltd, Japan India Yamaha Motor operates from its state-of-the-art-manufacturing units at Faridabad in Haryana and Surajpur in Uttar Pradesh and produces motorcycles both for domestic and export markets. With a strong workforce of 2000 employees, India Yamaha Motor is highly customer-driven and has a countrywide network of over 400 dealers.
How to Apply:


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Bling (2016) BRRip XviD AC3-EVO
Size: 1.37 GiB
Video: AVi | 720x400 | 2000 kbps
Audio: English | AC3 | 448 Kbps
Runtime: 1h21m33sec
Genre: Animation | Comedy
Provider: Lori.Yagami
Lowly theme park mechanic Sam dreams about his childhood sweetheart Sue. With the misguided belief that only a bling ring can win the girl of his dreams, Sam plans the most perfect night to propose to his one true love.
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Cresta rankings
Difficulty ranking world: 3674 (all)
Ranking Italy: 1042 (all)
Ranking Dolomites: 308(all)
Difficulty score: 65.74 what?
Cresta ratings
(rate it)
The Cresta is situated in Trentino-Alto Adige. This climb belongs to the Dolomites.
Starting from San Leonardo in Passiria,
the Cresta ascent is 6.4 km long. Over this distance, you climb 515 heightmeters.
The average percentage thus is 8 %.
Look for other sides to climb the Cresta.
profile Cresta - click to open in new window
open big profile of the Cresta in a new window
Find climbs close to the Cresta: within 10 km - within 20 km - within 50 km
Find all climbs and cols in Trentino-Alto Adige on a map.
Find all climbs in the Dolomites in Italy on a map.
No stories submitted yet. Did you climb this mountain?
Did you climb the Cresta? Please send your cycling story, description or comments. You can also send us video's or send us pictures on the Cresta.
© climbbybike™ All rights reserved 2005 -


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A chocolate cake was decorated in gold hues to reflect the traditional cultural elements.
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from the wedding of Keya Jayaram and Tom Dannenbaum
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than 200 NEW members and supporters were encouraged to re-assess and renew their
life and career strategies at the NEW Chicago fall networking event, Oct. 10,
2013 at The Drake Hotel.
"When you walk with purpose, you collide with destiny!" keynote speaker Dr.
Bertice Berry, author of I'm On My Way,
But Your Foot Is On My Head, told NEW members. "When a person seeks their
purpose, the universe conspires to answer."
photo album on Facebook
Energy management is critical to leadership, Berry noted. "One thing that takes
a lot of time and energy is to be something you are not," she said. "Everybody
will not like you, so move on."
To advance, women must support other women in the workplace, she added. "When
you see a woman that rises to the top, support her. We are not each other's
competition, but support."
One way
to support others: Share what you know. "The gap between knowledge and wisdom
is the ability to teach someone."
Berry reminded the crowd that "the only person who can change you is you," and
that a small, but contrary, action can influence your leadership effectiveness.
"When you are angry,"Berry said, "smile."
sending large delegations to the event include The Coca-Cola Company, Colgate-Palmolive,
Hillshire Brands, Kellogg Company, Kimberly-Clark Corporation, Kraft Foods
Group Inc., Nielsen, PepsiCo Inc. and Sears Holdings Corporation.
Dr. Bertice Berry engages members at the NEW Chicagofall event at the Drake Hotel on Oct. 10,
A NEW online experience is coming soon
Some features will be limited June 16 to July 17 [Details]
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Guest Room Rates
Off-Season $140
In-Season $170
Room Nine
The pineapple on the wallpaper is the traditional sign of welcome and that describes this room. The bed is a queen and is made up with Italian linens and a down duvet. The room has fabulous views of the renowned rose crescent of The Castine Inn's perennial garden and the beautiful Penobscot bay beyond. Private and recently renovated bathroom.
Select your room or suite by clicking the image in the row below or
click here to return to the main rooms page.


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Given below is the contact details, email and telephone number of Audi Ahmedabad dealers. Audi Ahmedabad is the dealers of Audi vehicles in Ahmedabad. For all your queries relating to Audi models, test drive of Audi vehicles in Ahmedabad, service and price of Audi cars in Ahmedabad, you many contact the Audi Ahmedabad showroom.
- Number of Audi Dealers in Ahmedabad : 1
- Number of Audi Dealers in Gujarat : 4
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Phone +91 7878788136, 7966111010/11/12 email@example.com Website www.audi-ahmedabad.com
More Audi dealers in Gujarat
Following are the cities in Gujarat with Audi showrooms.


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- Setup and Teardown
- Benefits of Test Fixtures
- code reuse
- cleanup of resources
- errors vs failures
- focusing your thinking on what you are testing and what you are not
- scoping for efficiency
- Brief look at pytest named fixtures
Contest Details
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Few events can thrash a lifeor glorify itas effectively as a storm at sea. It is a chaotic thing, as indifferent to normal order as a war. A few souls like it that way. Beryl Smeeton, whom I introduced last month (Sailing with a Master Mariner), was twice almost killed near Cape Horn yet welcomed what she called "a feeling of exhilaration, a feeling of battle" that came upon her during a fight for survival. Another storm warrior was Theodore Roosevelt, who came up with the influential notion of the value of "the strenuous life," and who as a youthful sailor survived a winter squall that left him not fearful, but absolutely enchanted with the sea.
Smeeton and Roosevelt are among the characters in my new book, After the Storm: True Stories of Disaster and Recovery at Sea (International Marine/McGraw-Hill), which will be in bookstores around May 1. Although it has some material on seamanship, After the Storm is not a technical book about storms at seawe have plenty of thosebut an exploration of the human response to them. I set out with two goals: 1. Tell the stories of some remarkable storms that had some remarkable human consequences. 2. Better understand the meaning of the human relationship with the sea by looking at it through the prisms of the storm and maritime history.
I chose many storms for After the Storm and described 12 at lengtheight gales, two hurricanes, one waterspout, and the black squall that ended the naïve romance with the sea enjoyed by the poet Percy Bysshe Shelley. While all these storms are linked by a circle through history or geography, all dozen share three features:
First, each story makes clear that storms are equal-opportunity oppressors that do not care at all whether a mariner goes to sea to catch fish or search for God, carry cargo or seek adventure, win a war or win a race. Whether their interest is in striving against the sea or in floating upon it sweetly, all may go out there so long as they are properly respectful of the seas powers and are prepared for its whims. No one is privileged, no one is invulnerable. Biography is not destiny.
Second, the natural human quest for meaning burrows deep into any storm. "Old sailors may have odd ways of showing their religious feelings," Joshua Slocum remarked, "but there are no infidels at sea." While many survivors of the storms in my book call on orthodox faith to help them through the chaos of the deep, others create myths or superstitions, some of which may seem bizarre (do you know the ones about unlucky rabbits and black bears striding the upper rigging?), but all of them making sense in their own way. No physical entity has inspired such hate and such love as the sea. While the wind has usually been considered goodin the Bible, the same Hebrew or Greek words mean both "wind" and "divine spirit"for millennia the sea has been feared as the home of chaos, evil, and despair. At the far other end of conviction, all too popular among pleasure sailors, stands the modern romantic notion of the sea as an always-enchanting preserver of life. In fact, a healthy relationship with the sea moves between the extremes of floating and striving. In any case the sea must not be taken for granted.
Third, of all the beliefs of the men and women in the storms in these stories, not the least important is faith in the power of personal connection to help people through disaster. In the havoc of a hard blow, the norm at first seems to be alienation, not human contact. "This is the disintegrating power of a great wind: it isolates one from ones kind," Joseph Conrad observed in Typhoon. But Conrads long experience at sea also taught him that most men and women struggle constructively against this alienating power. "It is, after all, the human voice that stamps the mark of human consciousness upon the character of a gale," he wrote. When I began work on this book, that voice was well known to me through my own experience in storms and other crises. Dipping into studies of post-traumatic stress disorder, I saw that psychologists also see the fight for connection as both crucial and normal. This is so even among the fabled "iron men in wooden ships" who care like us, feel like us, weep like us.
In September 2001, as I was preparing to write the last two chapters of this book, the worst storm came upon us in acts of fascistic terrorism that killed thousands, including a former shipmate of mine. The human connection briefly seemed remote, but after that dreadful tempest the familiar struggle for connection stirred. As I put the last touches on the page proofs in early March, I could not doubt the fundamental belief that a good life is connected not only to God and nature and the sea, but also to other lives. Sometimes it takes a storm to remind us of that need.
Suggested Reading:
Offshore Perils by John Rousmaniere
Good Planning and Bad Planning by John Rousmaniere
Hurricane Warning by Ralph Doolin
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Shane Mitchell & Gwen McLaughlin have been roommates for a few months. They've started to have a beautiful friendship, but both secretly want more. They know everything about each other. Where they grew up, their favorite colors, even their favorite foods. What they don't know is that they both have secret lives.
White Mercury is the most famous superhero since Superman. He tries to help humanity in any way that he can. However, there's always someone trying to stop him. Obsidiana, his arch nemesis, is trying to take over the world. She'll stop at nothing to get what she wants, especially if killing White Mercury is part of the deal. But what would happen if Obsidiana found out that that man she hates, is also the man she loves?
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Dave Didn't Give Jason Newsted the Boot
So apparently Dave isn't responsible for Jason Newsted getting kicked off of the Soundwave Festival.
Megadeth released a statement denying any responsibility for Newsted being dropped by the festival and that Jason and Dave are friends and this story got blown out of proportion.
Jason Newsted posted on Facebook that he would be releasing an announcement soon
Hopefully soon Jason will clear the air so he and Dave can go back to being BFFs.
For the press release CLICK HERE


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George Clooney might have recently been battling malaria, but he's recovered now and isn't looking for any volunteer caregivers.
USA TODAY's Lorena Blas here, checking in with Thursday afternoon celebrity news. "George is completely over the malaria he contracted while in the Sudan during the first week in January," his rep tells Lifeline Live. "This was his second bout with it. This illustrates how with proper medication, the most lethal condition in Africa can be reduced to a bad 10 days instead of a death sentence."
Clooney, 49, contracted the disease the first week of January while visiting the Sudan. News of the actor's bout broke on Piers Morgan's Twitter feed promoting an interview with the actor tomorrow on his CNN show.
But Morgan later sent this out on Twitter: "Clooney malaria update: now have 24,563 offers to nurse him. But his rep says medication's worked and he's OK. Sorry, ladies. "
Sign up for Lifeline Live e-mail alerts


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needed some work
Sail Date: January 01, 2012
Reviewed: 5 years ago
Traveled As: Couple
Room Type: Oceanview
The food was good except the fried chicken. The fruit and salad bars were excellant.If you like deserts you would be in heaven. As a diabetic I was disappointed by the sugar free selection I went on the tour of the kitchen and it was spotless. It was well organized and appeared to be vary efficent.
Pros: the entertainment
Cons: customer service
Recommends Carnival Fantasy? Yes!
Category Ratings
Click table then swipe to view all columns.
Click table then swipe to view all columns.
|Ship Quality
|Service and Staff
|Food and Dining
|Cabin / Stateroom


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I bought a Mitch Rosen from Dillion Pre. a few years ago looks a lot like the Galco you want. I carry my 2 full size Colts in it & my commander sized Kimber--All cocked & locked condition one with no problems.
Great tight fitting holster yet I can rip out a 1911 quickley.
Mostly comfey except the narrow straps begin to chew into my shoulder & neck after a while. Some maker, I don't recall who makes the same rig only with wide shoulder straps.
Wider shoulder straps I think would be the way to go,
My Mitch Rosen does conceal & carry very well.