CAPITAL'S WORLD (CW)
MASTERCARD BENEFITS
The Capital One Cash MasterCard works like so: You get 1 percent of your purchases back in the form of a cash refund. Then, on the anniversary of the date that you first activated your card, you get a 50 percent bonus on whatever you’ve already earned during the past year.
For example, if you activate a new card on Oct. 1, 2011, and use it for $30,000 in purchases between then and Oct. 1, 2012, you’ll earn $300 during that year. Then, on Oct. 1, 2012, you’ll get another $150 added to your refund. You continue receiving the annual bonus on each anniversary.
Summary of Key Benefits:
Enjoy a 50% bonus on the cash back you earn every year
Earn 1% cash back on all purchases
Get the cash back you've earned whenever you want, for
any amount you choose
There's no limit to the amount of cash back you can earn
and your cash rewards never expire
Save on purchases with a low intro APR
This Credit Card is For:
People with average credit who want to earn cash back on everyday purchases.
Rewards:
1% cash back on all purchases
50% bonus on the cash back you earn every year
Get the cash back you've earned at any time, for any amount
Earn unlimited cash back that doesn't expire
Redeem as account credit or check, even set up automatic redemptions
Additional Rewards Information
Rates:
Purchase APR: 0% intro APR until June 2013; 19.8% variable APR after that
Transfer APR: 19.8% variable APR
Cash Advance APR: 24.9% variable APR
Grace Period: 25 days on purchases
Membership:
Annual Fee: $39
Usage Fees:
Transfer Fee: $0
Foreign Transaction Fee: $0
Cash Advance Fee: 3% of cash advance; not less than $10
Penalty Rates and Fees:
Returned Payment Fee: Up to $35
Late Payment Fee: Up to $35
Over-the-Credit-Limit Fee: Up to $29
Penalty APR: 29.4% variable APR
MasterCard® Platinum Benefits:
$0 Fraud Liability
If your card is lost or stolen and used without your authorization, you will not be liable for those charges.
24-hour travel assistance services
If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
24-hour roadside assistance
If your car breaks down or you get locked out, call us and we'll send someone to the rescue.
Extended warranty program
You'll get additional warranty protection at no charge on items that are purchased with your credit card.
Auto rental insurance
Rent a car with your credit card and you can get collision, damage, and loss insurance.
Travel accident insurance
Get automatic insurance for loss of life or limb at no extra charge when you use your credit card to purchase your fare.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% introductory APR through your 06/2013 billing period.
After that, your APR will be 19.8%.
This APR will vary with the market based on the Prime Rate.
APR for Transfers 19.8%.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 24.9%.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 29.4%.
This APR will vary with the market based on the Prime Rate.
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?: If APRs are increased for a payment that is more than 60 days late, the Penalty APR will apply indefinitely.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances and transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Annual Fee $39 annually.
Transaction Fees
Transfer
None.
Cash Advance
Either $10 or 3% of the amount of each cash advance, whichever is greater.
Penalty Fees
Late Payment
Up to $35.
Over-The-Credit-Limit
Up to $29. We will only charge you an over-the-credit-limit fee if you choose to accept this option.
Returned Payment
Up to $35.
MASTERCARD BENEFITS
The Capital One Cash MasterCard works like so: You get 1 percent of your purchases back in the form of a cash refund. Then, on the anniversary of the date that you first activated your card, you get a 50 percent bonus on whatever you’ve already earned during the past year.
For example, if you activate a new card on Oct. 1, 2011, and use it for $30,000 in purchases between then and Oct. 1, 2012, you’ll earn $300 during that year. Then, on Oct. 1, 2012, you’ll get another $150 added to your refund. You continue receiving the annual bonus on each anniversary.
Summary of Key Benefits:
Enjoy a 50% bonus on the cash back you earn every year
Earn 1% cash back on all purchases
Get the cash back you've earned whenever you want, for
any amount you choose
There's no limit to the amount of cash back you can earn
and your cash rewards never expire
Save on purchases with a low intro APR
This Credit Card is For:
People with average credit who want to earn cash back on everyday purchases.
Rewards:
1% cash back on all purchases
50% bonus on the cash back you earn every year
Get the cash back you've earned at any time, for any amount
Earn unlimited cash back that doesn't expire
Redeem as account credit or check, even set up automatic redemptions
Additional Rewards Information
Rates:
Purchase APR: 0% intro APR until June 2013; 19.8% variable APR after that
Transfer APR: 19.8% variable APR
Cash Advance APR: 24.9% variable APR
Grace Period: 25 days on purchases
Membership:
Annual Fee: $39
Usage Fees:
Transfer Fee: $0
Foreign Transaction Fee: $0
Cash Advance Fee: 3% of cash advance; not less than $10
Penalty Rates and Fees:
Returned Payment Fee: Up to $35
Late Payment Fee: Up to $35
Over-the-Credit-Limit Fee: Up to $29
Penalty APR: 29.4% variable APR
MasterCard® Platinum Benefits:
$0 Fraud Liability
If your card is lost or stolen and used without your authorization, you will not be liable for those charges.
24-hour travel assistance services
If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
24-hour roadside assistance
If your car breaks down or you get locked out, call us and we'll send someone to the rescue.
Extended warranty program
You'll get additional warranty protection at no charge on items that are purchased with your credit card.
Auto rental insurance
Rent a car with your credit card and you can get collision, damage, and loss insurance.
Travel accident insurance
Get automatic insurance for loss of life or limb at no extra charge when you use your credit card to purchase your fare.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% introductory APR through your 06/2013 billing period.
After that, your APR will be 19.8%.
This APR will vary with the market based on the Prime Rate.
APR for Transfers 19.8%.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 24.9%.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 29.4%.
This APR will vary with the market based on the Prime Rate.
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?: If APRs are increased for a payment that is more than 60 days late, the Penalty APR will apply indefinitely.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances and transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Annual Fee $39 annually.
Transaction Fees
Transfer
None.
Cash Advance
Either $10 or 3% of the amount of each cash advance, whichever is greater.
Penalty Fees
Late Payment
Up to $35.
Over-The-Credit-Limit
Up to $29. We will only charge you an over-the-credit-limit fee if you choose to accept this option.
Returned Payment
Up to $35.
The CW Television Network (The CW) is a television network in the United States launched at the beginning of the 2006-2007 television season. It is a joint venture between CBS Corporation, the former owners of United Paramount Network (UPN), and Time Warner's Warner Bros., former majority owner of The WB Television Network. The "CW" name is derived from the first letter of the names of these corporations (CBS and Warner Bros.). The network features a lineup of shows that, according to its former President of Entertainment Dawn Ostroff, "appeal to people 18 to 34-years-old".The network currently airs programming six days a week: Monday through Friday afternoons and evenings (in prime time), and Saturday morning children's programming (under their The CW4Kids block).
The network debuted programming after its two predecessors, UPN and The WB, ceased independent operations on September 15 and September 17, 2006 respectively. The CW's first two nights of programming-Monday and Tuesday, September 18 and September 19, 2006-consisted of reruns and launch-related specials. The CW marked its formal launch date on Wednesday, September 20, 2006, with a two-hour season premiere of America's Next Top Model.
The CW lineup has featured on a mixture of programming that originated on both UPN and The WB along with its own original programs, mostly targeted towards women and young adults.
The network debuted programming after its two predecessors, UPN and The WB, ceased independent operations on September 15 and September 17, 2006 respectively. The CW's first two nights of programming-Monday and Tuesday, September 18 and September 19, 2006-consisted of reruns and launch-related specials. The CW marked its formal launch date on Wednesday, September 20, 2006, with a two-hour season premiere of America's Next Top Model.
The CW lineup has featured on a mixture of programming that originated on both UPN and The WB along with its own original programs, mostly targeted towards women and young adults.
RIPSINK.COM - FINANCIAL SECTION
--- INFORMATION TO HELP YOU MAKE CRITICAL FINANCIAL DECISIONS ---
DO YOU KNOW YOUR MORTGAGE REFINANCING OPTIONS?
The interest rate on your mortgage is tied directly to how much you pay on your mortgage each month--lower rates usually mean lower payments. You may be able to get a lower rate because of changes in the market conditions or because your credit score has improved. A lower interest rate also may allow you to build equity in your home more quickly.
For example, compare the monthly payments (for principal and interest) on a 30-year fixed-rate loan of $200,000 at 5.5% and 6.0%:
Monthly payment @ 6.0% $1,199
Monthly payment @ 5.5% $1,136
The difference each month is $ 63
But over a year's time, the difference adds up to $ 756
Over 10 years, you will have saved $7,560
Adjusting the length of your mortgage
Increase the term of your mortgage: You may want a mortgage with a longer term to reduce the amount that you pay each month. However, this will also increase the length of time you will make mortgage payments and the total amount that you end up paying toward interest.
Decrease the term of your mortgage: Shorter-term mortgages--for example, a 15-year mortgage instead of a 30-year mortgage--generally have lower interest rates. Plus, you pay off your loan sooner, further reducing your total interest costs. The trade-off is that your monthly payments usually are higher because you are paying more of the principal each month.
For example, compare the total interest costs for a fixed-rate loan of $200,000 at 6% for 30 years with a fixed-rate loan at 5.5% for 15 years:
Monthly payment Total interest
30-year loan @ 6.0% $1,199 $231,640
15-year loan @ 5.5% $1,634 $ 94,120
Refinancing is not the only way to decrease the term of your mortgage. By paying a little extra on principal each month, you will pay off the loan sooner and reduce the term of your loan. For example, adding $50 each month to your principal payment on the 30-year loan above reduces the term by 3 years and saves you more than $27,000 in interest costs.
If you have an adjustable-rate mortgage, or ARM, your monthly payments will change as the interest rate changes. With this kind of mortgage, your payments could increase or decrease.
You may find yourself uncomfortable with the prospect that your mortgage payments could go up. In this case, you may want to consider switching to a fixed-rate mortgage to give yourself some peace of mind by having a steady interest rate and monthly payment. You also might prefer a fixed-rate mortgage if you think interest rates will be increasing in the future. ( If your monthly payment on a fixed-rate loan includes escrow amounts for taxes and insurance, your payment each month could change over time due to changes in property taxes, insurance, or community association fees.)
Getting an ARM with better terms
If you currently have an ARM, will the next interest rate adjustment increase your monthly payments substantially? You may choose to refinance to get another ARM with better terms. For example, the new loan may start out at a lower interest rate. Or the new loan may offer smaller interest rate adjustments or lower payment caps, which means that the interest rate cannot exceed a certain amount. For more details, see the Consumer Handbook on Adjustable-Rate Mortgages.
Tip: If you are refinancing from one ARM to another, check the initial rate and the fully-indexed rate. Also ask about the rate adjustments you might face over the term of the loan.
Getting cash out from the equity built up in your home
Home equity is the dollar-value difference between the balance you owe on your mortgage and the value of your property. When you refinance for an amount greater than what you owe on your home, you can receive the difference in a cash payment (this is called a cash-out refinancing). You might choose to do this, for example, if you need cash to make home improvements or pay for a child’s education.
Remember, though, that when you take out equity, you own less of your home. It will take time to build your equity back up. This means that if you need to sell your home, you will not put as much money in your pocket after the sale.
If you are considering a cash-out refinancing, think about other alternatives as well. You could shop for a home equity loan or home equity line of credit instead. Compare a home equity loan with a cash-out refinancing to see which is a better deal for you. See What You Should Know about Home Equity Lines of Credit.
Tip: Many financial advisers caution against cash-out refinancing to pay down unsecured debt (such as credit cards) or short-term secured debt (such as car loans). You may want to talk with a trusted financial adviser before you choose cash-out refinancing as a debt-consolidation plan.
* * *
WHAT DO YOU KNOW ABOUT ALLSTATE INSURANCE?
Allstate is financially a strong insurance choice. They are very popular among insurance customers in the U.S. They offer a wide variety of products and customers have access to local agents along with a user friendly website. Although there have been Allstate complaints, it still remains one of the top insurance choices for U.S. customers.
Company Rating by Best Insurance Reports A+
Solid History, Founded in 1931
2nd Largest Personal Lines Insurer in the U.S.
Exclusive "Acccident Forgiveness" Program
Local Offices Available Nationwide
Licensed insurance professionals are available 24/7 to discuss your specific needs. If you have a claim, you can be assured it will be filed easily and handled properly.
Allstate provides the best combination of coverage and value. You get customized insurance that's just as affordable as those one-size-fits-all policies.
If you're younger than 25, single, and a full-time student, your good grades may qualify you for a discount on auto insurance.
Allstate insurance company is the second largest personal lines insurer in the U.S. The Allstate insurance company began in 1931. They started in 1931 asa part of the Sears Roebuck and Co.
"Your in Good Hands" is a slogan that most know as belonging to Allstate insurance company. Allstate relies heavily on advertising through their TV commercials along with sponsorships. Allstate's largest sponsorships include the Allstate Sugar Bowl, the Allstate 400, and the U.S. Olympic Committee.
Allstate insurance company sells a variety of insurance products including 13 major lines of insurance. Allstate's auto, home, and life insurance are among their most popular products. The Allstate company also offers financial products.
Overall the Allstate insurance company is a solid company with a Best insurance report rating of A+ and their large customer base supports their stability. But, although their stability is strong, they still have had their share of complaints. One of of worst came with the title of #1 worst Insurer by the American Association for Justice. PBS and Business Week have also exposed various complaints about the insurance company ranging from claims problems to deceptive practices. Allstate has also had customer complaints of offering a low, attractive premium to get new customers to switch to Allstate.
Accidents happen. And if you're involved in one, you'll need to file an auto insurance claim. Even a minor accident can be unsettling, so taking a few minutes now to understand the claims process means fewer problems later when it's time to file your claim.
After the Accident:
Before doing anything else, check the accident scene and confirm that no one was injured. If there are injuries, dial 911 immediately.
Share Info with the Other Driver
Start with your policy number and your insurance company's phone number-you'll find them on the proof-of-insurance card most states require you to carry in your vehicle. Then exchange names, addresses, and phone numbers with the other driver. Remember to write down the other vehicle's make, model, and license plate number, along with the number of passengers and an overview of the damage to each vehicle. Our claim worksheet helps you gather all the info you'll need throughout the claims process-print one to keep in your glovebox.
Once you have all the accident info-and you've filed a police report, if required-contact your insurance company as soon as possible to report your accident and any damages. You have a few options in how to file a claim.
BENEFITS OF ALLSTATE AUTO INSURANCE:
ACCIDENT FORGIVENESS
This helps keep your rates from going up just because of an accident. Even if it's your fault.
DEDUCTIBLE REWARDS
You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
NEW CAR REPLACEMENT
If your new car gets totaled in the first three model years, you may be able to get a totally new car - not just a check for the depreciated value.
SAFE DRIVING BONUS
Introducing the Safe Driving Bonus Check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium.
* * *
WHAT DO YOU KNOW ABOUT THE CHASE FREEDOM CARD?
The Chase Freedom Card might be a better alternative to the Discover Card for some. Since it's a Visa or MasterCard, it's more widely accepted. It also pays higher rewards than Discover.
The Chase Freedom has no annual membership fee. You don’t have to pay any annual fee to enjoy the cash back rewards and other great cardholder benefits of Chase Freedom.
You will receive 10,000 bonus points with this bonus offer, which can be redeemed for a $100 check. To qualify and receive your bonus, you must make purchases totaling $500 or more during the first 3 months from account opening. Purchases do not include using your account for balance transfers or cash advances, or using any checks that access your account. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Previous and existing cardmembers/accounts are not eligible for this bonus offer.
Receive $100 bonus cash back. This is one of the best deals the Chase Freedom card has to offer. You will receive this $100 cash back bonus after spending just $500 in your first three months of having this card. (Which can be spent in the form of purchases, balance transfers or checks.)
You earn 1% on all purchases and 4% more in bonus categories for a total of 5%. 4% bonus earn is subject to a quarterly maximum. You will be eligible for quarterly bonuses as long as (i) your account is not in default under, and/or you have not violated, the terms of your Cardmember Agreement and Rewards Program Rules and Regulations at the time accounts are selected for the promotional offers, and (ii) your statements are sent to a US address. Quarterly enrollment required.
Receive 5% cash back in quarterly rotating categories, up to $1,500 each quarter. 5% cash back is one of the most attractive benefits this card has to offer. This 5% deal averages out to 2% cash back on every category throughout the year, if you take into account a 1% cash back on 3 quarters for the year! You’ll be notified in advance which categories you will be able to benefit from each quarter and can then plan your spending for that year. It can help you save a lot of money if you use it to your advantage. The catch: you must enroll for each quarterly 5% program!
You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of airfare and hotel accommodation net purchases when you book at chase.com/ultimaterewards. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. Bonus/Promotional offers may have a maximum accumulation. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.
Earn cash back. Chase is offering $100 cash back after new cardholders spend $500 within the first three months of opening an account. After that, all purchases will earn 1 percent cash back, with 5 percent cash back being offered for spending in categories that change each quarter. For example, from July through September, you can earn the 5 percent bonus at gas stations and at restaurants.
Zero-percent promotional financing. New cardholders will also receive a zero-percent promotional APR on both new purchases and balance transfers for 15 months.
Chase’s Blueprint program. Freedom cardholders are eligible to participate in Chase’s Blueprint program, a free option that allows you to choose to pay some purchases in full while carrying a balance on others. No other bank offers this feature, and the Blueprint program also includes powerful budgeting and goal-setting tools.
No annual fee. But there’s a foreign transaction fee of 3 percent on all purchases processed outside of the United States - unlike the Chase Slate card, which has no fee.
* * *
Ancient Proverb: Enjoy life, catch LIVE fish in a STREAM
RIPSINK.COM™ encourages you to learn all the details of your financial contracts before signing any documents or making any decisions.
--- INFORMATION TO HELP YOU MAKE CRITICAL FINANCIAL DECISIONS ---
DO YOU KNOW YOUR MORTGAGE REFINANCING OPTIONS?
The interest rate on your mortgage is tied directly to how much you pay on your mortgage each month--lower rates usually mean lower payments. You may be able to get a lower rate because of changes in the market conditions or because your credit score has improved. A lower interest rate also may allow you to build equity in your home more quickly.
For example, compare the monthly payments (for principal and interest) on a 30-year fixed-rate loan of $200,000 at 5.5% and 6.0%:
Monthly payment @ 6.0% $1,199
Monthly payment @ 5.5% $1,136
The difference each month is $ 63
But over a year's time, the difference adds up to $ 756
Over 10 years, you will have saved $7,560
Adjusting the length of your mortgage
Increase the term of your mortgage: You may want a mortgage with a longer term to reduce the amount that you pay each month. However, this will also increase the length of time you will make mortgage payments and the total amount that you end up paying toward interest.
Decrease the term of your mortgage: Shorter-term mortgages--for example, a 15-year mortgage instead of a 30-year mortgage--generally have lower interest rates. Plus, you pay off your loan sooner, further reducing your total interest costs. The trade-off is that your monthly payments usually are higher because you are paying more of the principal each month.
For example, compare the total interest costs for a fixed-rate loan of $200,000 at 6% for 30 years with a fixed-rate loan at 5.5% for 15 years:
Monthly payment Total interest
30-year loan @ 6.0% $1,199 $231,640
15-year loan @ 5.5% $1,634 $ 94,120
Refinancing is not the only way to decrease the term of your mortgage. By paying a little extra on principal each month, you will pay off the loan sooner and reduce the term of your loan. For example, adding $50 each month to your principal payment on the 30-year loan above reduces the term by 3 years and saves you more than $27,000 in interest costs.
If you have an adjustable-rate mortgage, or ARM, your monthly payments will change as the interest rate changes. With this kind of mortgage, your payments could increase or decrease.
You may find yourself uncomfortable with the prospect that your mortgage payments could go up. In this case, you may want to consider switching to a fixed-rate mortgage to give yourself some peace of mind by having a steady interest rate and monthly payment. You also might prefer a fixed-rate mortgage if you think interest rates will be increasing in the future. ( If your monthly payment on a fixed-rate loan includes escrow amounts for taxes and insurance, your payment each month could change over time due to changes in property taxes, insurance, or community association fees.)
Getting an ARM with better terms
If you currently have an ARM, will the next interest rate adjustment increase your monthly payments substantially? You may choose to refinance to get another ARM with better terms. For example, the new loan may start out at a lower interest rate. Or the new loan may offer smaller interest rate adjustments or lower payment caps, which means that the interest rate cannot exceed a certain amount. For more details, see the Consumer Handbook on Adjustable-Rate Mortgages.
Tip: If you are refinancing from one ARM to another, check the initial rate and the fully-indexed rate. Also ask about the rate adjustments you might face over the term of the loan.
Getting cash out from the equity built up in your home
Home equity is the dollar-value difference between the balance you owe on your mortgage and the value of your property. When you refinance for an amount greater than what you owe on your home, you can receive the difference in a cash payment (this is called a cash-out refinancing). You might choose to do this, for example, if you need cash to make home improvements or pay for a child’s education.
Remember, though, that when you take out equity, you own less of your home. It will take time to build your equity back up. This means that if you need to sell your home, you will not put as much money in your pocket after the sale.
If you are considering a cash-out refinancing, think about other alternatives as well. You could shop for a home equity loan or home equity line of credit instead. Compare a home equity loan with a cash-out refinancing to see which is a better deal for you. See What You Should Know about Home Equity Lines of Credit.
Tip: Many financial advisers caution against cash-out refinancing to pay down unsecured debt (such as credit cards) or short-term secured debt (such as car loans). You may want to talk with a trusted financial adviser before you choose cash-out refinancing as a debt-consolidation plan.
* * *
WHAT DO YOU KNOW ABOUT ALLSTATE INSURANCE?
Allstate is financially a strong insurance choice. They are very popular among insurance customers in the U.S. They offer a wide variety of products and customers have access to local agents along with a user friendly website. Although there have been Allstate complaints, it still remains one of the top insurance choices for U.S. customers.
Company Rating by Best Insurance Reports A+
Solid History, Founded in 1931
2nd Largest Personal Lines Insurer in the U.S.
Exclusive "Acccident Forgiveness" Program
Local Offices Available Nationwide
Licensed insurance professionals are available 24/7 to discuss your specific needs. If you have a claim, you can be assured it will be filed easily and handled properly.
Allstate provides the best combination of coverage and value. You get customized insurance that's just as affordable as those one-size-fits-all policies.
If you're younger than 25, single, and a full-time student, your good grades may qualify you for a discount on auto insurance.
Allstate insurance company is the second largest personal lines insurer in the U.S. The Allstate insurance company began in 1931. They started in 1931 asa part of the Sears Roebuck and Co.
"Your in Good Hands" is a slogan that most know as belonging to Allstate insurance company. Allstate relies heavily on advertising through their TV commercials along with sponsorships. Allstate's largest sponsorships include the Allstate Sugar Bowl, the Allstate 400, and the U.S. Olympic Committee.
Allstate insurance company sells a variety of insurance products including 13 major lines of insurance. Allstate's auto, home, and life insurance are among their most popular products. The Allstate company also offers financial products.
Overall the Allstate insurance company is a solid company with a Best insurance report rating of A+ and their large customer base supports their stability. But, although their stability is strong, they still have had their share of complaints. One of of worst came with the title of #1 worst Insurer by the American Association for Justice. PBS and Business Week have also exposed various complaints about the insurance company ranging from claims problems to deceptive practices. Allstate has also had customer complaints of offering a low, attractive premium to get new customers to switch to Allstate.
Accidents happen. And if you're involved in one, you'll need to file an auto insurance claim. Even a minor accident can be unsettling, so taking a few minutes now to understand the claims process means fewer problems later when it's time to file your claim.
After the Accident:
Before doing anything else, check the accident scene and confirm that no one was injured. If there are injuries, dial 911 immediately.
Share Info with the Other Driver
Start with your policy number and your insurance company's phone number-you'll find them on the proof-of-insurance card most states require you to carry in your vehicle. Then exchange names, addresses, and phone numbers with the other driver. Remember to write down the other vehicle's make, model, and license plate number, along with the number of passengers and an overview of the damage to each vehicle. Our claim worksheet helps you gather all the info you'll need throughout the claims process-print one to keep in your glovebox.
Once you have all the accident info-and you've filed a police report, if required-contact your insurance company as soon as possible to report your accident and any damages. You have a few options in how to file a claim.
BENEFITS OF ALLSTATE AUTO INSURANCE:
ACCIDENT FORGIVENESS
This helps keep your rates from going up just because of an accident. Even if it's your fault.
DEDUCTIBLE REWARDS
You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
NEW CAR REPLACEMENT
If your new car gets totaled in the first three model years, you may be able to get a totally new car - not just a check for the depreciated value.
SAFE DRIVING BONUS
Introducing the Safe Driving Bonus Check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium.
* * *
WHAT DO YOU KNOW ABOUT THE CHASE FREEDOM CARD?
The Chase Freedom Card might be a better alternative to the Discover Card for some. Since it's a Visa or MasterCard, it's more widely accepted. It also pays higher rewards than Discover.
The Chase Freedom has no annual membership fee. You don’t have to pay any annual fee to enjoy the cash back rewards and other great cardholder benefits of Chase Freedom.
You will receive 10,000 bonus points with this bonus offer, which can be redeemed for a $100 check. To qualify and receive your bonus, you must make purchases totaling $500 or more during the first 3 months from account opening. Purchases do not include using your account for balance transfers or cash advances, or using any checks that access your account. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Previous and existing cardmembers/accounts are not eligible for this bonus offer.
Receive $100 bonus cash back. This is one of the best deals the Chase Freedom card has to offer. You will receive this $100 cash back bonus after spending just $500 in your first three months of having this card. (Which can be spent in the form of purchases, balance transfers or checks.)
You earn 1% on all purchases and 4% more in bonus categories for a total of 5%. 4% bonus earn is subject to a quarterly maximum. You will be eligible for quarterly bonuses as long as (i) your account is not in default under, and/or you have not violated, the terms of your Cardmember Agreement and Rewards Program Rules and Regulations at the time accounts are selected for the promotional offers, and (ii) your statements are sent to a US address. Quarterly enrollment required.
Receive 5% cash back in quarterly rotating categories, up to $1,500 each quarter. 5% cash back is one of the most attractive benefits this card has to offer. This 5% deal averages out to 2% cash back on every category throughout the year, if you take into account a 1% cash back on 3 quarters for the year! You’ll be notified in advance which categories you will be able to benefit from each quarter and can then plan your spending for that year. It can help you save a lot of money if you use it to your advantage. The catch: you must enroll for each quarterly 5% program!
You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of airfare and hotel accommodation net purchases when you book at chase.com/ultimaterewards. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of points that you can accumulate in the program. Bonus/Promotional offers may have a maximum accumulation. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.
Earn cash back. Chase is offering $100 cash back after new cardholders spend $500 within the first three months of opening an account. After that, all purchases will earn 1 percent cash back, with 5 percent cash back being offered for spending in categories that change each quarter. For example, from July through September, you can earn the 5 percent bonus at gas stations and at restaurants.
Zero-percent promotional financing. New cardholders will also receive a zero-percent promotional APR on both new purchases and balance transfers for 15 months.
Chase’s Blueprint program. Freedom cardholders are eligible to participate in Chase’s Blueprint program, a free option that allows you to choose to pay some purchases in full while carrying a balance on others. No other bank offers this feature, and the Blueprint program also includes powerful budgeting and goal-setting tools.
No annual fee. But there’s a foreign transaction fee of 3 percent on all purchases processed outside of the United States - unlike the Chase Slate card, which has no fee.
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