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A pandemic, a motel without power and a potentially terrifying glimpse of Orlando’s future

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KISSIMMEE, Fla. — Rose Jusino was waking up after working the graveyard shift at Taco Bell when a friend knocked on her door at the Star Motel. The electric company trucks were back. The workers were about to shut off the power again.

The 17-year-old slammed her door and cranked the air conditioning as high as it would go, hoping that a final blast of cold air might make the 95-degree day more bearable. She then headed outside to the motel’s overgrown courtyard, a route that took her past piles of maggot-infested food that had been handed out by do-gooders and tossed aside by the motel’s residents. Several dozen of them were gathered by a swimming pool full of fetid brown water, trying to figure out their next move.

The motel’s owner had abandoned the property to its residents back in December, and now the fallout from the coronavirus pandemic was turning an already desperate strip of America — just down the road from Disney World — into something ever more dystopian. The motel’s residents needed to pay the power company $1,500.

“This is the third time they’re back here!” one man fumed as the power company workers, protected by sheriff’s deputies, pulled the meters from the electrical boxes. “The third!”

“We a bunch of sorry ass men!” shouted a former felon who had served prison time on cocaine and battery convictions. “If our kids go without light, it’s because of our sorry asses.” He castigated his neighbors for spending their stimulus checks on drugs and alcohol, and then peeled a $20 from a three-inch stack of cash.

“Who else? Who else?” he called out as he dropped the bill on the sidewalk. “We need money!”

Soon the pile was growing, and the Star residents who gave were angrily accusing those who hadn’t of freeloading. “Nobody trusts nobody,” yelled a woman in a tank top and red pajama pants who tossed a $50 bill onto the sidewalk.

“I paid my rent,” shouted someone, who tossed in a $10 bill.

An elderly woman covered in bedbug bites threw $1.88 into the pot. “It’s all I got,” she said.

They were still $525.12 short.

Rose hung on the edge of the crowd, thinking about the $40 she had stashed in her bedside table. The motel she called “hell on earth” and “this malnourished place” had been her home for the past nine months.

She worried about her 65-year-old grandmother, who had chronic obstructive pulmonary disease and needed power for her daily oxygen treatments. She worried about her mother, who suffered from bipolar disorder and was forgoing her medicine to save money. She worried about her neighbors, whose tempers were already frayed by the stress of the pandemic, joblessness and boredom. Gunshots at the motel were becoming a regular occurrence. The power company had cut off the motel two times earlier in the summer. Rose knew that no electricity made everything worse.

She walked back to her room for the $40, threw it on the pile and headed to another shift at Taco Bell.

When she returned home in the evening, the power was back on, but she knew it wouldn’t last long. The next bill, which included unpaid charges going back to March, was for $9,000 and it was due in five days.

The aging motels along Florida’s Highway 192 have long been barometers of a fragile economy. In good times they drew budget-conscious tourists from China, South America and elsewhere, whose dollars helped to pay the salaries of legions of low-wage service workers; the people who made one of the world’s largest tourism destinations — “the most magical place on earth” — run.

In tough times, the motels degenerated into shelters of last resort in a city where low-income housing shortages were among the most severe in the nation and the social safety net was collapsing. Now they were fast becoming places where it was possible to glimpse what a complete social and economic collapse might look like in America.

The pandemic had heaped crisis on top of crisis. The 2008 housing collapse and recession had caused the tourist market to tank at the exact moment the foreclosure crisis was forcing thousands of homeowners and overburdened renters from their homes. Struggling motel owners began renting rooms to the only customers they could find, those who had no place else to go.

In the decade that followed, the tourists returned to Orlando by the millions. Executive salaries at companies such as Disney and Universal soared. So did local real estate prices, buoyed by a booming market for gated, luxury vacation homes.

But almost nothing was done to address the reality that many service workers had emerged from the recession saddled with stagnant wages, bad credit or eviction records that made it nearly impossible for them to rent an apartment and return to a normal life. Many spent much of the past decade stuck in motels with restful names — the Paradise, the Palm, the Shining Light, the Star, the Magic Castle — that belied an increasingly grim reality for both the owners and tenants who found themselves trapped together.

At the Palm, scars of the past recession and the current collapse were evident in the motel’s cramped lobby, which was full of broken air-conditioning units and mattresses stacked to the ceiling. A dozen loaves of donated, day-old bread sat on a table by the front door.

Next door at the Paradise, a leak in the roof had caused black mold to bloom across the walls of one of the rooms. Cockroaches scurried across the floors of others. At the motel’s front desk, a sign warned guests that “due to shortages” there was a charge for toilet paper: $1 a roll.

“We can’t afford to fix anything right now,” the clerk confided.

The owner, who had emigrated from Bangladesh, complained that more than three-quarters of his 40 guests were weeks or months behind on their room bills. Many had jobs or were collecting unemployment insurance, he said, but were refusing to pay because they were protected by the state’s eviction moratorium.

“This kind of business never brings good people,” the owner said, “only bad people.”

Up and down the highway, motel owners told the same story of mounting bills, customers who couldn’t or wouldn’t pay for their rooms and buildings that were slowly falling apart because there was no money to fix them.

The Star Motel’s owner abandoned the property in December. Residents have been left to run the place. MUST CREDIT: Photo for The Washington Post by Eve Edelheit

The worst of them all was the Star. A six-foot-high wall of trash bisected the parking lot, and children rode their bicycles through big puddles of raw sewage that spilled from a broken pipe. When Rose’s family landed at the motel earlier this year, after a few years in a house followed by a string of increasingly dilapidated motels, she felt as if she had hit “rock bottom.” The hot water didn’t work, and the toilet was clogged with hypodermic needles and crack pipes, she said. Rose’s grandmother and her 12-year-old brother, J.J., shared one bed. Her mother and stepfather took a second bed. Rose had a mattress to herself.

Rose’s grades suffered, she got into a fight at school and was suspended from her high school’s JROTC program, which had been a source of stability and pride in her life.

In April she started a gofundme account, hoping it might help her escape the Star. “Moving from hotel to hotel just want to be stable with my family,” she wrote in her pitch. But it drew no donations.

A few weeks later, she moved into an abandoned room near the front of the property that cost her $100 a week. Her brother, who had grown weary of sharing a bed with his grandmother, upgraded to a mattress of his own.

Rose cleaned the dog feces off the room’s floor and scrubbed her new room’s soiled mattress with bleach and Pine-Sol. Then she bombed the place with bug spray to get rid of the roaches and tracked down a working air conditioner from another room.

Electric company workers restore power to the Star Motel after residents pool their money together in July to pay a delinquent utility bill. MUST CREDIT: Photo for The Washington Post by Eve Edelheit

By early August, it was clear that it was just a matter of time before the motel was permanently shuttered. The power company had its demands, and the water company wanted $57,000 by January.

Some residents bought gas-powered generators. Some searched nearby trailer parks for a place that might take them. Others tried to blot out their anxiety with drugs and liquor. Rose waited and tried not to worry.

“Just gotta survive,” she said.

For much of the past year she had watched a gated community, consisting of 1,000 vacation homes, take shape just across the six-lane highway from the Star. All the while, her family sank deeper into poverty. The lesson for Rose was inescapable.

“The economy just keeps going up, up, up, and the minimum wage is staying the same. So how do they expect people to be able to pay their rent and pay for their car? That’s why more people are ending up in these hotels. There’s not enough resources out there to help us be able to help ourselves.”

A few miles west of the Star Motel on Highway 192, the Rev. Mary Lee Downey was reaching the same conclusion. The pandemic, she worried, was pushing the Orlando area to the brink of a collapse far more serious than the 2008 recession.

That recession had led her to start the Community Hope Center, which had helped hundreds of families escape the motels. Still, the total number of motel families never really shrank despite the decade long run of economic growth.

What was happening at the Star drove home the problem. Many families had filled out forms seeking help from a program administered by Downey’s organization that would pay two months rent and their security deposit if they could find an apartment they could afford. “Trying to find rental or anything to get us out of here,” wrote Maykayla Harper, who was 20, pregnant and earning about $9 an hour at Burger King.

Rose’s family had filled out the same form.

The problem: There were almost no apartments for people earning less than $25 an hour. To Downey it often seemed as if everyone – local government officials, residents at the Star, congregants at her church – expected her 19-person charity to fix a problem that had festered for more than a decade.

A filled dumpster overflows at the Star Motel in Kissimmee, Fla. MUST CREDIT: Photo for The Washington Post by Eve Edelheit

Before the pandemic, Downey had planned to build a 200-unit apartment complex on 5.5 acres that the Methodist Church gave her in 2018. All of the apartments would be reserved for the area’s lowest wage earners.

Downey estimated that she would need to raise about $15 million to make it work. But this summer, just as the economy was sinking, a consulting company that she had hired to study the feasibility of a fundraising effort told her that she wouldn’t be able to pull in more than $3.5 million.

“Maybe we should consider buying the Star,” one of her board members suggested.

Downey quickly concluded it would cost far too much to buy and renovate the decrepit motel. Instead she suggested they consider buying the Magic Castle, a shabby, purple 107-room motel where Rose’s family had stayed off and on over the years.

The owners, who purchased it in 2005, were asking $4.7 million, more than Downey could afford. But she thought that if they were willing to be flexible on the price, she might be able to buy the motel, rehab the rooms and use them as temporary bridge housing.

As word spread that Downey might buy the Magic Castle, some motel owners questioned whether she was tough enough to kick out drug abusers and other problem tenants. “Mary has a heart of gold. She’s tireless,” said one motel owner who has worked with Downey. “But it isn’t the 99% nice that runs a hotel. It’s the 1% nasty.”

Downey had different reservations. If the recession persisted, wages stagnated and the unemployment rate stayed high, the families she took in might be stuck in rooms for years on end. She had started her charity to get families out of motel rooms. Buying a motel felt a bit like surrender.

Five days after the residents raised the $1,500 to turn the power back on at the Star, it went off for good. No one from the state or county government showed up to help the motel residents, some of whom were too old and infirm to survive the blistering August heat for more than a day or two.

Items and debris left in abandoned rooms at the Lake Cecile Inn in Kissimmee, Fla. MUST CREDIT: Photo for The Washington Post by Eve Edelheit

The list of people and agencies that had abandoned the Star as it descended into near-anarchy and filth was long and growing. The owner had disappeared in January. Osceola County Public School employees stopped visits to the motel around the same time. It was too dangerous, a school official said.

The county’s Human Services Department said there was little it could do to help the people stuck there. The county didn’t have any homeless shelters, and local officials weren’t going to spend money to help people find refuge in safer motels.

“We want them out of the hotels,” said Celestia McCloud, the county’s director of human services.

Even law enforcement officials seemed to avoid the Star. Sheriff’s deputies provided security for power company officials when they turned off the electricity. But a few days earlier, when an enraged resident fired a gun at one of his neighbors, it took deputies more than 45 minutes to arrive at the motel.

On the day the lights went out for good, one of the few people who came to the Star to help was Barbie Austria, who runs a small homeless ministry out of a black Dodge pickup truck. While Downey’s Community Hope Center worked on the larger issues that trapped families in the motels, Austria’s focus was narrower. On the day the power went out, her priority was making sure no one died.

Austria, 58, wore her long black hair in a single braid and carried a loaded pistol and extra magazine in her fanny pack. When she felt she was being watched at the Star, she would quietly place her hand on its grip.

Her first stop was Room 129, where Richard Sheldon, 82, lived with his bedridden partner, Allyson Jones. She knew that Sheldon and Jones couldn’t survive more than a day or two in the heat.

Sheldon’s journey to the Star had begun six years earlier with his wife’s death from lung cancer. In the months that followed, his discount ticket business went belly up, and the bank foreclosed on his three-bedroom house. Since then, home had been a series of increasingly run-down motels, ending with the Star.

Most mornings Sheldon made his way across the motel’s parking lot, his aluminum walker scraping the blacktop, to the bus stop where he caught a ride to Walmart. There he usually bought two tins of dog food for his Chihuahuas and a 12-ounce bottle of Caliber vodka for Jones, who downed the booze to dull the pain of several recent strokes.

“It’s been hard on me taking care of her,” Sheldon said. “But it’d be harder on her if I didn’t do it.”

Resident Richard Sheldon, 82 walks to Walmart with his walker at the Star Motel in Kissimmee, Fla. MUST CREDIT: Photo for The Washington Post by Eve Edelheit

Sheldon and Jones brought in only about $1,500 a month in Social Security and disability payments, which meant that most motels were beyond their budget. Austria found a $1,000-a-month motel that would take them and promised that she would help Sheldon and Jones with the bill until she could find them a cheaper option.

A dozen residents gathered to help Sheldon load his possessions into Austria’s truck and tell him goodbye. An elderly woman from Room 127 hugged him, tears streaming down her face, her eye blackened from a fight earlier that day.

“You got to go where it’s okay,” she cried.

“We’ll miss you, Mister Richard,” said a mother who was raising two young boys in a room on the second floor and spent many evenings stumbling around the parking lot in a drug-induced haze.

“I imagine I’m gone for good,” Sheldon told her.

“He’ll be back,” another neighbor muttered under her breath.

Austria maxed out her credit card helping a few Star residents move into safer motels: a single mom from Puerto Rico and her 3-year-old daughter; an elderly man who served time in prison decades earlier and spent his evenings sweeping the sidewalk in front of his room; the young pregnant woman who worked at Burger King and had filled out the form for the Community Hope Center’s housing program.

Each day Austria visited the Star, new people pleaded with her to get them out. She turned down a 61-year-old woman whose room was thick with swarming flies. Her husband had died in the motel room earlier in the year. “This is not me. I’m a neat freak,” the woman pleaded as her 5-year-old granddaughter watched. “I just get depressed.”

Austria decided that the woman’s problems were too severe to dump on a struggling motel owner. The toll of it all was wearing on her. She had been working in the motels on Highway 192 for more than a decade but had never seen a situation as desperate as the Star.

“I feel lost,” she said.

Later that evening, a county commissioner called her for help hauling away the growing hill of rotting garbage in the Star parking lot. Austria had organized a similar effort a few weeks earlier, handing out shovels, marshaling volunteers and finding a company to haul away the trash.

This time she told the county commissioner she wouldn’t help.

“We don’t need another trash pickup,” Austria said. “We need to abandon ship.”

After the power went out at the Star, Rose’s family spent the last of their savings on a week’s stay at the Magic Castle, where the rooms were going for $39 a night. The plan was to buy time until they could come up with a plan.

Her stepfather had applied for a dishwashing job at Chili’s but didn’t get it. Rose was temporarily out of work, too. One of the employees on her shift at Taco Bell had tested positive for the novel coronavirus, and she couldn’t go back to work until she proved she was virus free.

“Everything has got a waiting list or costs too much money,” she texted her manager.

Her boss replied with an address of a testing site that was 11 miles away. But neither Rose nor her parents had a car. So, it wasn’t an option.

Rose Jusino helps pack up her family’s room at The Magic Castle motel as they prepare to move back into the Star Motel after a generator has been provided to them by Barbie Austria. MUST CREDIT: Photo for The Washington Post by Eve Edelheit

Now she was sitting alone on the Magic Castle’s third-floor landing, a quiet perch that overlooked the motel’s empty parking lot and swimming pool. Another steamy Florida morning was turning into another scorching day.

She had moved to the Orlando area with her parents when she was just a toddler. Her family’s house outside Providence, R.I., was purchased to make way for an airport expansion.

“I’d love to go back to my hometown,” her mother had said earlier that morning.

“Our hometown,” Rose corrected.

“But they don’t have nothing,” her mom continued.

For a few years, when Rose’s grandmother was working as a manager at the Rodeway Inn, they all lived in a small house in nearby Poinciana, Fla. Her neighbors owned a trampoline and took her out on a water scooter. Rose had a friend who lived in a house so big that it seemed like “a mansion.”

“I thought we’d be there forever,” she said.

But her grandmother suffered a heart attack and the family income shrank to about $2,000 a month, the sum total of her mother’s and grandmother’s disability checks. Home became a series of motel rooms. Rose celebrated her 15th birthday at the Duo Boutique Hotel. Her parents couldn’t afford a present that year so her stepfather, an amateur tattoo artist, offered his services as a gift. “Don’t get anything stupid, and don’t get it where anyone can see it,” Rose’s mother warned.

Rose pulled the Gideon Bible from the nightstand and flipped through it for inspiration before landing on Jeremiah 29:13. “You will seek me and find me when you seek me with all your heart.” The verse grabbed her like the lyric to a great pop song. “It was so clear,” she said. “It made perfect sense.” Her stepfather inked it across her back.

Her plan was to finish her senior year of high school and enlist in the Air Force. The previous summer she had visited Robins Air Force Base in Georgia with her high school’s JROTC program and thought “it was like heaven.”

The gyms where the troops lifted weights and played basketball were bigger than any she had seen. The meals were cheap and plentiful. “I got a plate and figured that it was going to be at least $13,” she said, “but it was only $2.” Her squadron won an award for being the best on the base.

The military offered her something that had eluded her for most of her life. “It’s a home wherever you’re at, and I’ve always wanted that,” Rose said. “That’s what the military gives you – stability, hope, more than a lot of things can offer.”

Her family had four days left at the Magic Castle. Rose’s mom was thinking about sending Rose, her brother and grandmother to live with Rose’s 21-year-old sister in Orlando. For now, though, home was still the Star, where residents were fighting over generators and gunshots rang out nightly.

Rose Jusino moves back into her room at the Star Motel. MUST CREDIT: Photo for The Washington Post by Eve Edelheit

Rose needed to pick up some clean clothes from her room, so she and her brother headed off to the motel, which was about a half-mile down the highway. They passed a woman begging for change at a traffic light, stores hawking discount Disney T-shirts, an Asian massage parlor and a recently shuttered Quality Inn, where they had briefly stayed in January.

“This is the crackhead area,” Rose said. “Up there is more the prostitute’s spot.”

She pushed open the door to Room 236 and was greeted by a blast of hot air that smelled of cat urine, cockroaches and mold. She didn’t flinch. Inside, Rose had tacked a Puerto Rican flag to one of the walls. A broken television sat atop her dresser along with a plastic trophy from Taco Bell that praised her “hard work and dedication.”

“Only five or six people out of 30 got one,” Rose said of the trophy.

Her brother eyed the room’s silent air conditioner. “That thing used to blow,” he said. “When it came on it felt good in here.”

For Rose, the hardest part of living at the Star was the feeling of isolation. Rose’s co-workers across the street at the Taco Bell wouldn’t go near the motel. Nor would her ex-girlfriend, who had broken up with her right before the pandemic hit. Some days Rose blamed her life at the motel and her inability to afford “nice things” for the failed relationship.

“People come and people go,” Rose said. “Money comes and money goes. Nothing is forever.”

“Family is forever,” her brother replied.

“No,” Rose said. “Not even family.”

She stared out her window at the piles of rotting trash, roving pit bulls and the long-abandoned swimming pool. Her brother dashed outside to meet a church bus that was giving away free lunches in the motel’s circular driveway.

The heat was stifling. Rose mopped her face with her T-shirt. “Damn,” she said. “We’re stuck.”

As summer wore on, trash piles at the Star continued to grow. The raw sewage from a broken pipe spread farther across the parking lot. Someone ransacked Rose’s room and stole her clothes.

Finally, in early September, Rose’s parents found a way out, at least for now. A Kissimmee-based real estate agent, who provides aid to motel families and had helped them in the past, paid $3,000 in deposits and application fees for an extended-stay suite in a run-down resort community. Their new landlord agreed to overlook the fact that Rose’s parents had poor credit and had just started new $9-an-hour fast food jobs.

The rent for the new place was $1,350 a month. For it to last, Rose’s stepfather, who was starting at Burger King and Boston Market, would need to work 50 to 60 hours a week. Rose’s mother, who can only work part time because she collects disability, needed 20 hours a week.

Neither of her parents could afford many sick days. Nor could they absorb any unexpected expenses. Rose wanted to go back to work, too, just in case they needed the money. But her mother pressed her to focus on her grades.

“This is your senior year, the big year,” she told her. “Don’t do that to yourself.”

For the first time in months, Rose had a clean, safe place to sleep. She didn’t have to worry about gunshots or the electricity going out. For the moment, she wasn’t totally stuck.

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What Does an Extended Car Warranty Cover?

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If you purchased a brand-new car, then you’re covered under the manufacturer’s warranty until a certain mileage point or age limit. What happens after you’ve met these limits? For those who want extra coverage on their vehicles, extended warranties can be an option for used cars.

Understanding Extended Warranties

What Does an Extended Car Warranty Actually Cover?If something happens to your vehicle that your insurance company doesn’t cover and the car’s manufacturer warranty is expired, you’re left to foot the cost of repairs. For this reason, many borrowers consider buying an extended warranty for their used vehicles.

An extended warranty, also called a vehicle service contract, is essentially additional coverage on your car, and the name is somewhat inaccurate. Extended warranties don’t “extend” the original warranty offered by the manufacturer. They’re actually third-party service contracts that cover certain vehicle repairs for a set amount of time and/or mileage.

For those who rely on their cars heavily day-to-day, service contracts can offer some peace of mind when you’re driving a used vehicle. Extended warranty coverage varies greatly, and no two offered by dealerships are likely to be the same.

To see what an extended warranty truly covers, ask for a list of the inclusions and exclusions from the finance and insurance (F&I) manager at the dealer where you’re purchasing your used car.

What Vehicle Service Contracts May Cover

Many service contracts can mimic the manufacturer’s original warranty. Some cover the transmission and engine, and associated parts of these two key systems like seals and gaskets. Some extended warranties can cover most parts of your vehicle, including the key components (like the engine and transmission) and things like air conditioning and maybe even the power seats.

As a good rule of thumb, these things typically aren’t covered under extended warranties:

  • Regular maintenance
  • Brakes, clutches, windshield wipers, and lights
  • Regular wear and tear (like interior damage)
  • Body damage (dents)
  • Modifications
  • Tires

Keep in mind that most extended warranty claims come with deductibles, and there tend to be rules and exclusions that don’t come with a manufacturer’s warranty. Often, the dealership where you purchased the car and service contract requires that you go to their service center to repair your vehicle under the warranty.

On top of that, some extended warranties require that you pay for the repairs up front and then file a claim to be reimbursed for the cost later. Be sure to read all the fine print of a service contract, and feel free to ask lots of questions. You’re the one spending the money on it, after all!

When to Buy an Extended Warranty

Manufacturer warranties can last for a number or years, or up to a certain mileage. New cars often come with bumper-to-bumper coverage for around three years or 36,000 miles, as well as a powertrain warranty that’s normally good for around 10 years or 100,00 miles.

If you’re purchasing a used vehicle, check to see if it’s still covered under its manufacturer warranty before you consider buying an extended warranty.

In most cases, if the car you’re purchasing is outside of the original new vehicle warranty, the F&I manager offers you a service contract when you’re wrapping up your contract. F&I managers typically have a whole menu of options that you can consider adding to your auto loan.

Before you decide on an extended warranty, or any of the dealer add-ons available, make sure to ask questions about the contracts offered and the details about what they cover. If you decide to take one, the costs are usually then rolled right into your car loan payment.

Ready to Start Car Shopping?

When you’re buying a used vehicle, there’s a higher risk of something going wrong with it down the line. This is always a possibility with any car you’re fixing to buy, but with a used one, it can be hard to tell what the vehicle has truly been through. It’s even harder to predict what could happen in the future.

Extended warranties and cars can be long-term commitments, and it can feel like a hassle to find the right dealership for your situation. When you have less than perfect credit, finding the dealer that’s signed up the right lenders can be even more difficult, but it doesn’t have to be!

Here at Auto Credit Express, we’ve cultivated a network of dealerships that work with bad credit borrowers. Instead of driving all over town and hoping to find a dealer for your credit, fill out our free auto loan request form, and we’ll do the looking for you. We’ll search for a dealership in your local area that has the lending resources you need.

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Cheapest car insurance in Colorado 2020

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Many drivers wonder how they can get the cheapest car insurance without sacrificing decent coverage. While car insurance rates in Colorado are slightly above the national average, drivers in the state still have plenty of options for affordable coverage.

The cheapest car insurance companies in Colorado

Colorado drivers pay an average of $1,050 per year for auto insurance. The three cheapest auto insurance carriers in Colorado are Geico, Progressive and State Farm.

Geico

Geico has a reputation for offering some of the lowest rates in the auto insurance industry while still providing decent customer service — the company tied for tenth place in claims satisfaction in a 2020 J.D. Power study.

Not only does Geico have some of the lowest rates on the market, but it also has one of the most extensive lists of discounts available. The company offers its customers 16 ways to save on their insurance premiums. Discounts include those for vehicle safety equipment, driver safety, driver education, customer loyalty and membership with certain organizations or employers.

Progressive

Progressive is one of the largest auto insurance carriers in Colorado, writing more than 10% of premiums in the state. Progressive is known for offering low-cost insurance policies. More specifically, the company has a reputation for offering affordable policies to high-risk drivers, such as those with poor driving histories or bad credit.

In addition to its low premiums, Progressive also offers a generous list of discounts. With 13 discounts available, most customers can likely find one that applies to them. Progressive has other tools that make it stand out from the crowd. The company’s price comparison tool allows prospective customers to pull quotes from multiple companies at once, not just from Progressive. The company also offers its famous Name Your Price Tool, which customizes a policy for drivers based on the premium they want to pay.

State Farm

State Farm is the top provider of car insurance in Colorado in terms of market share. Not only does the company write the most policies, but it also offers them at low prices. State Farm also offers 13 discounts customers can use to reduce their premiums even more. One of the company’s featured discounts is its Drive Safe & Save program, which reduces a driver’s premium based on their driving record.

Another advantage is that, according to a study by the Consumer Federation of America, State Farm is the only major insurance provider that doesn’t increase a customer’s premiums after a not-at-fault accident.

Affordable coverage for Colorado drivers

Colorado state law requires that drivers carry liability insurance, including bodily injury and property damage coverage. The state requires the following minimum coverages:

  • $25,000 for bodily injury or death to any one person in an accident
  • $50,000 for bodily injury or death to all persons in any one accident
  • $15,000 for property damage in any one accident

These minimum coverages will compensate any other drivers in an accident where the insured is at fault. Purchasing only the minimum coverage will result in the lowest premium rates.

While sticking to the minimum coverages will save you the most money on your monthly premiums, drivers may opt to purchase more coverage to avoid bigger financial losses in case of an accident. Colorado’s minimum coverage requirements only include liability. In the event of an accident, your insurer will only cover the other driver’s losses. Your policy won’t cover any damage to your vehicle or person.

How to get cheap car insurance in Colorado

While it’s your insurance provider that sets your premiums, there are plenty of things you can do to find the cheapest car insurance available to you:

  • Shop around: Rates can vary significantly by individual and from one company to the next. Ultimately, each person should shop around for the company that offers the lowest rate for their unique situation.
  • Increase your deductibles: There’s typically a direct relationship between your insurance deductibles and your premiums. The higher the deductibles, the lower the premiums, and vice versa. If you’re comfortable with paying a higher cost in an accident, opting for higher deductibles can reduce your monthly expense.
  • Bundle your policies: Nearly every insurance company offers a multi-policy discount for customers with two or more policies with the same company. By bundling your auto insurance with your homeowners or renters insurance, you can save money on your premium.
  • Pay your full premium up-front: Insurance companies default to charging customers a monthly rate, but policies typically cover a period of six months. Most carriers offer a discount when you pay your full premium up-front. If you switch providers during your policy, insurers will usually refund the unused premium.
  • Take advantage of discounts: All of the largest insurance carriers offer discounts for their auto policies. Some of the most commonly available include good driver discounts, good student discounts, and discounts for vehicle safety features. Some discounts apply automatically to your policy if you qualify, while others you have to opt-in to.

Frequently asked questions

What determines someone’s car insurance premiums?

Many factors can impact the car insurance rates you’re eligible for. Factors that can increase or decrease your policy include:

  • Driving record: Those with accidents or violations on their driving record can expect to pay more for car insurance than if they had a clean driving record.
  • Age: Insurance rates tend to drop after someone turns 25, as older drivers tend to have fewer accidents.
  • Gender: Women tend to be safer drivers and have cleaner driving records. As a result, they may pay lower premiums.
  • Credit: Studies have linked credit to driving history — those with poor credit are more likely to file claims. As a result, poor credit tends to result in higher premiums.
  • Vehicle: Carriers may offer lower rates to those with safer cars and those that are more affordable to repair.
  • Coverage amount: You can expect your rates to increase in correlation with the amount of coverage you purchase.
  • Location: Living in an area with a high crime rate can increase your premiums.

How do Colorado’s car insurance premiums compare with the rest of the country?

According to 2017 data, Colorado ranks 15th in the nation for the most expensive car insurance. Insurance prices have been steadily increasing in the state for several years. Suspected causes of the spike include increased hailstorms and the legalization of recreational marijuana.

How quickly can I get car insurance in Colorado?

With most of the major insurance carriers, you can purchase an auto policy that is effective immediately, as long as you have the right documentation. It might be worth waiting, though — some companies offer a discount for drivers who sign up for their policy a certain number of days before it goes into effect.

What is the best car insurance in Colorado?

According to data from J.D. Power, American Family and Geico are the top-ranking car insurance companies in Colorado when it comes to customer satisfaction. Colorado drivers also have plenty of other excellent car insurance companies to choose from, depending on what factors are most important to them in a carrier.

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How Brooks Running overcame fraud and boosted customer experience| Tech Spotlight

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Rich Stuppy, chief customer experience officer at Kount, shares how running sneaker retailer Brooks Running dealt with fraud and improved the customer experience at the same time.

What began in a small factory in 1914 in Philadelphia, Brooks Running has grown to be a global enterprise. Now with customers in more than 50 countries, the running shoe innovator has evolved from a company specializing in ballet and bath shoes, at its inception, to a business with the prime focus is making the perfect running shoe — featuring options that are wildly popular among both elite and casual runners.

As Brooks puts it, running is its thing. Fraud, on the other hand, is not.

E-commerce growth brings chargebacks and fraud

As Brooks’ popularity grew, so did revenue channels, which included e-commerce.

With a rise in digital transactions came challenges the retailer was not prepared for — overwhelming fraud. In 2017, fraudulent websites were stealing credit card information from unsuspecting customers and using the Brooks website as part of a drop-shipping scheme.

The number of chargebacks Brooks began to experience became overwhelming. It eventually got so bad credit card companies were threatening to prohibit Brooks from accepting their credit cards. Brooks’ top priority went from perfecting the running shoe to reducing its chargeback rate to protecting its payment processing capabilities.

Hunting for proactive protection without customer friction

While the fraud prevention team reacted quickly to new evidence of fraud, “we just didn’t know how to deal with it,” said Chad Funk, Brooks’ fraud specialist. Like many other merchants, Brooks’ first defense against chargebacks was a “manual review” of transactions — a slow process with high operational costs.

Brooks knew it needed technology to detect and stop fraud and reduce manual reviews without sacrificing good orders. After a careful search, Brooks selected Kount’s platform given its AI-driven, all-in-one fraud detection built on a network of trust and risk data called the Identity Trust Global Network.

Linked by Kount’s adaptive AI, the Identity Trust Global Network analyzes trust and risk signals from 32 billion annual interactions to stop chargebacks and fraud in real time.

Relying on Kount’s data and automation, Brooks quickly slashed its chargeback rate by 92%, eliminating the threat of fraud monitoring programs while accepting more good orders.

Brooks is not only reducing false positives, but improving the customer experience by providing a seamless journey for VIP customers, like those involved in a special “Pro” program.

“When somebody’s in our Pro program and I can see the amount that the cart is worth and the amount that was paid, I know this person is part of a discount program — I know this order is just fine,” said Funk.

From fighting fraud to enhancing the customer experience

Using Kount’s networked data, from over 250 countries across the globe, Brooks’ next step in the fraud journey was to expand sales into new regions. This opened up a major new opportunity, as Brooks began to accept international credit cards which they had previously declined.

The results didn’t disappoint. Simply opening up the international revenue stream contributed hundreds of thousands of dollars to the bottom line.

With growing revenue streams, and a manual review rate below 2%, Brooks again shifted focus, fine-tuning policies to improve the customer experience in order to build long-term revenue.

Much like its running shoes, the Brooks’ fraud prevention strategy is focused on perfection: both in protection and in exceptional customer experiences.

Rich Stuppy is chief customer experience officer at Kount.

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