Agree 2. They run quotes without reports and then the customer gets an ugly surprise when the tickets, accidents, bad credit shows up. By the way, Allstate owns Esurance which formerly used other companies in the quoting process. I wonder how many quotes end up with Allstate being the winner.
UW, I am commenting for the first time just so I can agree with you. My boss wanted me to read the Insurance Journal so I could start to get a better understanding of the insurance world and I can’t help but notice Agent’s smear campaign against young people for virtually no reason at all. It’s the same thing over and over again, millenials, texting while driving, Obama, Liberals… Give it a rest. No wonder people in my age group have little interest in insurance. I also notice and appreciate that you are often a voice of reason when Agent gets involved. Keep it up!
Hey Millenial, if you think Confused is the voice of reason, you are in a lot of trouble in that line of thinking. Pay attention to any article on this blog and you will see what I mean. He is even a Bernie supporter and a big time leftist.
Hey Millenial, Calling UW the voice of reason is a new one. Had you been paying attention more closely, you would see he is the most insulting, swearing Progressive troll on the IJ blog.
By the way, if you pay attention to the news, just yesterday there was a story out that the wonderful State of Colorado who legalized pot is starting a new program with the State Police to test people stopped for violations/accidents for pot. Apparently, they now believe driving while Marijuana intoxication is about like alcohol DUI.
Agent, it has always been believed driving under the influence of marijuana is a crime. They’ve just had a difficult time testing for it, it required a blood draw. As technology improves the testing mechanism, doesn’t it make sense to test a driver for that? I certainly think so. Marijuana is intoxicating and one shouldn’t operate a vehicle when under its influence. Much like that of alcohol. Kudos on Colorado! And, it is a wonderful state, you absolutely have that correct.
January 27, 2016 at 2:26 pm
A Millenial UA says:
Hot debate. What do you think?
20
21
Agent, that’s great news! I’m glad that they have a means of making sure that people who are under the influence and driving are held accountable for it. Just because you are for the legalization of pot, doesn’t mean you think people should be driving while high. It’s the same thing as alcohol, I like to have a couple beers sometimes but I know I shouldn’t be driving afterwards because it’s irresponsible and dangerous.
January 27, 2016 at 1:46 pm
Captain Planet says:
Hot debate. What do you think?
21
26
I’ll take a pot smoking Millenial over a crusty old white elitist/racist any day! In fact, you don’t have to meet that full description in order for me to take Mary-Jane over Off-My-Lawn.
Millenial UA, I suppose you must have missed all the prior articles on Marijuana on IJ. Most of those in favor of legalization including the users on this blog have seen nothing wrong with puffing that weed, driving etc. They think they can handle it and they can’t. Colorado has found out that the proliferation of the weed in that state has been causing big problems. I wonder how their DMV will handle the tickets. Will it be the same as Alcohol? A DUI has a very bad effect on the driver record and the insurance problems go right with it.
I don’t believe anyone on here ever said driving while under the influence of marijuana is acceptable, nor that it should be legal. There’s a big difference between advocating for marijuana legalization and saying people can safely drive while high. Nobody here has ever said the latter.
January 28, 2016 at 8:16 am
Captain Planet says:
Hot debate. What do you think?
20
22
Agent,
Where in the heck have you been? Yes, and for YEARS, if you get pulled over and it is proven you were high while driving, it is considered a DUI/DWI/OWI, whatever your state wants to call it. Same as alcohol. Same as driving on some prescription drugs. All “under the influence” or “while intoxicated”, whichever terms your state likes to use.
January 28, 2016 at 9:06 am
A Millenial UA says:
Hot debate. What do you think?
16
21
Hmm can’t say I’ve seen anyone saying they thought that driving while high was okay. But I’ve only been reading these articles for 3 or 4 months at this point. I know NJ treats a DUI from weed basically the same way they treat a DUI or DWI from alcohol.
January 28, 2016 at 1:17 pm
Captain Planet says:
Hot debate. What do you think?
20
18
Someone who has thumbed these down, please explain what about these posts saying driving while high is and should be treated as driving while drunk are disliked.
January 28, 2016 at 1:57 pm
Godot says:
Hot debate. What do you think?
23
17
Captain Planet, my guess would be that the thumb-downs come from Agent. He doesn’t even read the context – just takes a look at who the author is. Or, maybe he scans them enough to determine if there is anything stated that’s outside his box and gives it his down vote then. It’s just that important to him….
January 27, 2016 at 8:45 am
CL PM says:
Well-loved. Like or Dislike:
16
0
In 1999, a startup called “ECoverage” was launched with great fanfare and the tag line “The Industry is History.” Said all the same things as the Zebra folks. ECoverage lasted less than 18 months. I wonder if the Zebra, and Lemonade and the others did a case study of ECoverage to understand why they failed? Those who ignore history are doomed to repeat it. Good luck to all.
As an aside, Esurance was launched at the same time as ECoverage and they survived. These new folks need to look at what the two did differently.
Well, Esurance was bought out by Allstate so it is just a matter of time before “Zebra” is out of business or is bought out by an insurance giant. And by the way, there is nothing new about Zebra. As matter of fact we in our office use “Zebra” everyday except we call it a “PL Rater”.
Good one Mel. That PL Rater has been a good tool for us as well. It doesn’t take long for a good CSR to put the info in to see who will do best for the prospect/customer.
Said investor Mike Maples Jr. in the announcement “With The Zebra, we’re demystifying an opaque insurance industry”
You cannot demystify something based on mathematics and statistics, namely the actuarial process, about which the common motorist knows nothing. An insurer’s chance to demystify comes when the motorist’s friend, the agent, helps them with a claim.
This technology already exists. A company called CcompuQuote developed a rating tool to compare all Canadian Auto insurers. CompuQuote was sold to a US company called Applied Systems.
Not sure why Applied hasn’t rolled out the technology in the US. US auto insurers can’t be that different than Canadian, in terms of rating variables used. And the differences that do exist, should be easily configurable into the technology.
Interesting note: I’ve emailed their ask an agent several questions. In addition to altering the questions to fit the response Neil wishes to post, when I post a reply, he either dances around my answers or fails to post them because they challenge his limited knowledge. I’m pretty sure someone with only 3 years of experience with Progressive cannot have as much knowledge or experience as someone with over 30 years experience and is considered an expert by many within the industry. This site is riddled with dishonesty and lack of experience and needs to be investigated by the TDI.
“The Zebra claims that it saves drivers an average of $368 per year.”
So does Allstate and Geico, and Progessive and Esurance and the General, etc.
We see people using these markets making foolish mistakes.
Agree 2. They run quotes without reports and then the customer gets an ugly surprise when the tickets, accidents, bad credit shows up. By the way, Allstate owns Esurance which formerly used other companies in the quoting process. I wonder how many quotes end up with Allstate being the winner.
Who picks these things out?
Some pot smoking Millenial who is high and texts while driving.
Seriously I think this is a parody account sometimes.
UW, I am commenting for the first time just so I can agree with you. My boss wanted me to read the Insurance Journal so I could start to get a better understanding of the insurance world and I can’t help but notice Agent’s smear campaign against young people for virtually no reason at all. It’s the same thing over and over again, millenials, texting while driving, Obama, Liberals… Give it a rest. No wonder people in my age group have little interest in insurance. I also notice and appreciate that you are often a voice of reason when Agent gets involved. Keep it up!
Hey Millenial, if you think Confused is the voice of reason, you are in a lot of trouble in that line of thinking. Pay attention to any article on this blog and you will see what I mean. He is even a Bernie supporter and a big time leftist.
Hidden due to low comment rating. Click here to see.
Hidden due to low comment rating. Click here to see.
Agent, it has always been believed driving under the influence of marijuana is a crime. They’ve just had a difficult time testing for it, it required a blood draw. As technology improves the testing mechanism, doesn’t it make sense to test a driver for that? I certainly think so. Marijuana is intoxicating and one shouldn’t operate a vehicle when under its influence. Much like that of alcohol. Kudos on Colorado! And, it is a wonderful state, you absolutely have that correct.
Agent, that’s great news! I’m glad that they have a means of making sure that people who are under the influence and driving are held accountable for it. Just because you are for the legalization of pot, doesn’t mean you think people should be driving while high. It’s the same thing as alcohol, I like to have a couple beers sometimes but I know I shouldn’t be driving afterwards because it’s irresponsible and dangerous.
I’ll take a pot smoking Millenial over a crusty old white elitist/racist any day! In fact, you don’t have to meet that full description in order for me to take Mary-Jane over Off-My-Lawn.
Millenial UA, I suppose you must have missed all the prior articles on Marijuana on IJ. Most of those in favor of legalization including the users on this blog have seen nothing wrong with puffing that weed, driving etc. They think they can handle it and they can’t. Colorado has found out that the proliferation of the weed in that state has been causing big problems. I wonder how their DMV will handle the tickets. Will it be the same as Alcohol? A DUI has a very bad effect on the driver record and the insurance problems go right with it.
I don’t believe anyone on here ever said driving while under the influence of marijuana is acceptable, nor that it should be legal. There’s a big difference between advocating for marijuana legalization and saying people can safely drive while high. Nobody here has ever said the latter.
Agent,
Where in the heck have you been? Yes, and for YEARS, if you get pulled over and it is proven you were high while driving, it is considered a DUI/DWI/OWI, whatever your state wants to call it. Same as alcohol. Same as driving on some prescription drugs. All “under the influence” or “while intoxicated”, whichever terms your state likes to use.
Hmm can’t say I’ve seen anyone saying they thought that driving while high was okay. But I’ve only been reading these articles for 3 or 4 months at this point. I know NJ treats a DUI from weed basically the same way they treat a DUI or DWI from alcohol.
Someone who has thumbed these down, please explain what about these posts saying driving while high is and should be treated as driving while drunk are disliked.
Captain Planet, my guess would be that the thumb-downs come from Agent. He doesn’t even read the context – just takes a look at who the author is. Or, maybe he scans them enough to determine if there is anything stated that’s outside his box and gives it his down vote then. It’s just that important to him….
In 1999, a startup called “ECoverage” was launched with great fanfare and the tag line “The Industry is History.” Said all the same things as the Zebra folks. ECoverage lasted less than 18 months. I wonder if the Zebra, and Lemonade and the others did a case study of ECoverage to understand why they failed? Those who ignore history are doomed to repeat it. Good luck to all.
As an aside, Esurance was launched at the same time as ECoverage and they survived. These new folks need to look at what the two did differently.
Well, Esurance was bought out by Allstate so it is just a matter of time before “Zebra” is out of business or is bought out by an insurance giant. And by the way, there is nothing new about Zebra. As matter of fact we in our office use “Zebra” everyday except we call it a “PL Rater”.
Good one Mel. That PL Rater has been a good tool for us as well. It doesn’t take long for a good CSR to put the info in to see who will do best for the prospect/customer.
Said investor Mike Maples Jr. in the announcement “With The Zebra, we’re demystifying an opaque insurance industry”
You cannot demystify something based on mathematics and statistics, namely the actuarial process, about which the common motorist knows nothing. An insurer’s chance to demystify comes when the motorist’s friend, the agent, helps them with a claim.
Mike Maples Jr was recently overheard instructing a colleague to “cancel the IPO”. LOL
And can we assume that employees of Zebra etc will be licensed? Probably not.
Correct J. NOT!
This technology already exists. A company called CcompuQuote developed a rating tool to compare all Canadian Auto insurers. CompuQuote was sold to a US company called Applied Systems.
Not sure why Applied hasn’t rolled out the technology in the US. US auto insurers can’t be that different than Canadian, in terms of rating variables used. And the differences that do exist, should be easily configurable into the technology.
Interesting note: I’ve emailed their ask an agent several questions. In addition to altering the questions to fit the response Neil wishes to post, when I post a reply, he either dances around my answers or fails to post them because they challenge his limited knowledge. I’m pretty sure someone with only 3 years of experience with Progressive cannot have as much knowledge or experience as someone with over 30 years experience and is considered an expert by many within the industry. This site is riddled with dishonesty and lack of experience and needs to be investigated by the TDI.