Car Talk, Deals, Education, Money Saver, Tips and Tricks

Finding The Best Car Insurance in Washington Is Full of Surprises…

Trying to find the best car insurance can be a trial. We all know the big car insurance brands: State Farm, Geico, Progressive, Allstate — but after browsing those sites, I’m never sure if I’m actually getting the best deals. So this time I used Clearsurance, and what I found totally caught me by surprise. All those household brands we all see advertised so often? They aren’t ranked very highly. Clearsurance, which is a website that collects reviews from people about their insurance company, uses the data it gathers to create unbiased rankings of car insurance companies, both by state and nationally for 2018. The detailed breakdown helps you compare companies and find coverage that’s actually the best deal for your location and driving history.

Once I got over my surprise, I decided to see what companies other consumers ranked as the best car insurance options in Washington and if my car insurer was rated highly by other consumers. I didn’t even recognize some of the companies that ranked ahead of the giants in car insurance, including my own insurer.

For instance, Amica Mutual, which offers a home ownership discount, was founded in 1907 and ranks as the third best company in all of Washington. Amica Mutual’s 4.46 rating out of 5 on Clearsurance is significantly higher than that of Progressive (4.16) and Allstate (4.1).

Take a look at what companies are ranked as the top 5 car insurers in Washington on Clearsurance:

  1. USAA — 4.68
  2. California Casualty Group — 4.47
  3. Amica Mutual Insurance Company— 4.46
  4. Metromile— 4.45
  5. American National Property & Casualty Company — 4.43

These aren’t the names we typically associate with car insurance. So why are these brands so much better than the big companies we all know? Clearsurance has tons of great information to help you navigate your car insurance coverage, and one of the things I discovered is that companies like Geico and Allstate spend billions of dollars a year on advertisements to become the names we think of when it’s time to buy car insurance or consider switching car insurance. But those advertising dollars have come to from somewhere, and it ends up driving up the cost of our insurance premiums.

 

Why should we be paying more to insure our cars so that our insurer can solicit new business?

For the most part, the companies rated highly in Washington are lesser known than the big names. But the bottom line is, they’re better. These are the companies that other policyholders have found offer fair prices with good customer service and claims handling.

Still, we’re not all eligible for these top insurers, and we don’t all have the same insurance needs. That’s something else Clearsurance understands and helps you navigate. For example, USAA is the best car insurance company for Washingtonians, but it only serves active and former military members and their families. And at a company like Metromile, it offers a multi-car discount. Plus, not all car insurance companies cover high-risk drivers, so if you have a lot of accidents on your record or a DUI, you may not be able to obtain coverage from one of these companies.

What’s a good option for high-risk drivers in Washington?

I did some digging into the car insurance companies that sell in Washington and offer policies to high-risk drivers, often referred to as non-standard drivers. If you’re looking for a cost effective option, The General offers affordable coverage. The General has a rating of 3.68. Consumers seem to believe The General offers cheap prices, but the low rates are reflected in the customer service and handling of claims.

 

Finding the best car insurance for you or your family shouldn’t have to be completely mind-boggling. Once you step outside the buzz of all those big name brands, figuring out which companies actually offer the best customer service at the best price becomes a lot easier, especially if you’ve got Clearsurance on your team.

Deals, Gift Guides

jClub Online Shopping with 30 Day Returns and Free Shipping

This is a post for DealSpotr for jClub

jClub Online Shopping

We all have that list of itms we need and know of online sources to get those items delivered to our doors. But, with shipping fees or unflexible return policies most of us are hesitant shopping online. I just discovered jClub and with always free shipping and a 30 day return policy this is great news for online shoppers like me.

Free Shipping

jClub ships for free. No minimum order value needed. Every item priced high or low will not have a shipping fee

Easy Return Policy

Returns are free. No fees required. Ordering online can be difficult especially with items like clothing or shoes where we cannot try on for an exact fit. jClub gets this so they allow returns and they are very easy.

No Membership Fee for jClub Online Shopping

Just as this states! You don’t pay a fee for these benefits. You will even save with deals and promos throughout the site.

I need a new harness because our puppy grew out of hers. jClub has one I want and it is under $12 shipped free!

You can save even more!

I have a 20% off promo code just for my readers! Fulfill your shopping list at jClub through THIS LINK and save use the code: PARENTINGHEALTHY at checkout.

Food, Healthy Living

Easy Morning Meals with belVita Biscuits

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I have been on winter break and it is always a joy to have the youngest home with me. The older boys work and are in College so they are never home much anyway. However, it does make my morning schedule change a bit from what I am used to in getting work done. Besides Blogging I work part time at the High School so I am on break from my job when my son is out of school. On normal work daysI like easy morning meals with belVita Biscuits.

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belVita Biscuits varieties are easily available in the cookie and cracker section at my local Walmart store. I love Walmart’s low prices and the belVita Biscuits are priced very well here.

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I went looking for the new belVita Breakfast Yogurt Crunch biscuits but they aren’t out quite yet at my store. I am hoping that they will have them at the Walmart belVita sampling event on January 7th and 8th at my local stores and can stock up then. I am excited to try them.

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On school and work mornings, I drive my son to school then come home where I have about 90 minutes before I leave for work. I shower and change then spend time having a quiet breakfast and catching up on emails and post shares for my blog. Eating belVita biscuits varieties gives me a few hours of sustained energy when I combine them with just 1 serving of milk and fruit. A cup of coffee finishes off my morning routine and off to work I go.

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Surely you have a Walmart near you so you can pick up your favorite belVita Biscuits flavors. If you need help, visit this Walmart store locator.

Also save an additional .50 cent in your iBotta app. Load the savings now: BelVita Biscuits iBotta Savings Link

Did you find a store near you that carries this delicious breakfast option?

2016 Holidays, Money Saver

Today’s Deals of the Day-Must buy today for these great deals

May contain affiliate linnks

Best Buy Deal of the day

Lenovo – Flex 3 1130 2-in-1 11.6″ Touch-screen Laptop – Intel Celeron – 2gb Memory – 64gb Solid State Drive – Black

This laptop is the Deal of the Day at Best Buy at $80 off. Sale price: $199.99

Black+Decker Tool Belt Set

This is the 50% off toy of the day-in store only and with your Cartwheel app. Sale price: $4.98

Todays 10 Days of Deals sale for 11/20/2016: 10 percent off electronics and entertainment. Guests will find popular products like iPads and iPods, and, new for this year’s promotion, iPhones and Beats. Use promo code TECH online

Example: Apple® Watch Series 2 38mm Space Gray Aluminum Case with Black Sport Band Sale price: 10% off of $269.99

Back To School 2016, College Bound

Sanford Products For Your Student at Shoplet

Samples sent for feature

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This back to school year we are first time college parents. We take our middle son across state to University next month as a new college student and we have been stocking him up on essentials he will need. This kid has always had the same request every school year for the past few years-he wants the ‘good’ pencils. He is a mechanical pencil user but will not use an off brand. He is heading into Engineering and has always enjoyed his math and  because pencils are a huge tool for his favorite subject he hates being inconvenienced with leads that break too easily or run down too fast.

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I have never given much thought to a brand the way he does. If I need a pencil I open a drawer and the only qualification I give a pencil is whether it is sharpened and ready to go for me. Sanford holds the names of some very popular and quality pen and pencil products. The best part is Shoplet carries Sanford brands at great prices so you can stock up.

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Shoplet offers products from office furniture to cleaning supplies. You can also find restaurant products and medical supplies as well. Starting with a simple and common product for any student, let’s look at the assortment of Sanford products

  • PenMate Pens
  • PenMate Mechanical Pencils
  • PenMate Correction Tape
  • Sharpie Markers

Visit Shoplet for all of your back to school needs including pens, pencils and writing supplies that you know will get a lot of good use.

Back To School 2016, Deals

Hot Groupon Goods Deals for Back to School

This is a sponsored post. All opinions are mine.

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I am just weeks away to leaving across state so we can drop our middle son off for his first year of University. He is heading off to fulfill an Engineering degree and while he will live in a small dorm room with a roommate we have been shopping for essentials while thinking small spaces.

A lot of what I have for him has come from fantastic online specials and one place I love to go to for product is the Groupon Goods page. Typically I have bought a lot of electronics accessories and health and beauty products at great prices. They always ship fast and have never had an issue with my orders through Groupon.

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Groupon Goods is full of products for the College students now living away from home. I found several great deals on dorm room must-haves and listed a few of my favorites below that you can take advantage of:

  • Roku Streaming Stick $25.99- this is great for adding media to the TV in their dorm room without adding extra costly cable packages. It gets them to their Netflix, Amazon and many other favorite channels from sports to music
  • Multifunctional Laptop Table Stand with Built-in Cooling Fan and LED Light $24.99- because you know those late night assignments will be done from the comfort of their bed instead of those small desks provided in the dorms
  • Innovera Six-Outlet Power Strip, 15-Foot Cord, Ivory $19.99- don’t forget the power strips have to have surge protection and this one does with a 15 ft cord for a great reach to plug in all their devices and chargers.

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Those are just a few options to get you started on fun deals you can find all in one spot. And while there you can check the office supplies and health and beauty section to stock up on school supplies and cold/flu support for them while away from home.

Don’t forget to follow Groupon on Facebook and/or Twitter so that you can stay updated and see the notifications of new and hot deals!

What deals do you hope to find for Back to School shopping Groupon Goods?