Return-Path: <auto-visit@myiavance.com>
Delivered-To: untroubl8492-bruce@untroubled.org
Received: (qmail 1728069 invoked from network); 29 Dec 2025 00:58:07 -0000
Received: from mail.myiavance.com ([185.164.184.6])
  by vx0.untroubled.org ([45.63.65.23])
  with ESMTP via TCP; 29 Dec 2025 00:58:06 -0000
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=mail; d=myiavance.com;
 h=From:Reply-To:To:Date:Subject:Message-ID:MIME-Version:Content-Type;
 i=auto-visit@myiavance.com;
 bh=TRxcECweVAkBUJB1e0CG/efsrCAwBEeCHDNhbv+veOw=;
 b=sp2syDv3eZfLDbApjQTbkmVFk0ETUDl8FjpMDwylZzP76s8P4XA2xHNOCZd12oXeTVwzm9nsjc2t
   55TmWqfQ/GVwpM+D+BTsTKthAoO1ssl9CDYer1Kx9OADTs4mOMAHydpcZojd3rAm96mw+M2m+CLG
   2SgRN3oLmGSiqrfI0EK4AkwV2ClUyoShUaEK7cCM08D5iBkZCaCzAnBtyLXEdqjbCSmGnmyxPAmi
   OlfpTEMrTIHzoGzJrpOnecjVbjxlTp20p0ZTNc3Arxr4j6uYamxATw6i5OtN/DXu55joV5kept0D
   QPxnBvq3Jz87D9tivvxTvt5IzN0DQht+gtj3VA==
From: Auto Insurance News <auto-visit@myiavance.com>
Reply-To: auto-visit@myiavance.com
To:  bruce@untroubled.org
Date:  Sun, 28 Dec 2025 19:57:54 -0500
Subject: New Auto Insurance Rates Now Starting at $59/month
Message-ID: <4sXjFrDU_tVTDrxVZ2fVANHLX@2v13.myiavance.com>
X-Request-ID: 3f71a8b1-90ef-4d55-8e6c-fa87b8eb8868
MIME-Version: 1.0
Content-Type:  multipart/alternative; boundary="----=_Part.c0wh.610c-mXWnDauDxGaDoHSBYyEXvfX7-1"
Content-Length: 25597

------=_Part.c0wh.610c-mXWnDauDxGaDoHSBYyEXvfX7-1
Content-Type:  text/plain; charset="UTF-8"
Content-Transfer-Encoding: 7bit

Auto Coverage Review
          Review Your Auto Coverage Today
          Informational Notice Regarding Your Current Policy Status
          Many Drivers May Be Paying More Than They Realize
          Dear Driver,
          Our team collaborates with licensed insurance partners to help consumers carefully compare options
          and better understand their existing coverage. Based on recent reviews, a large share of
          drivers could potentially lower what they spend on auto insurance by re-evaluating
          their policy and thoughtfully shopping around.
          Why It May Be Time to Recheck Your Policy
          Premiums can change for several reasons: new rating guidelines, life events, driving
          record updates, even adjustments in your ZIP code. By taking a fresh look at your
          coverage and comparing quotes from multiple carriers, you may be able to locate a
          plan that better aligns with your budget and protection needs—without giving up important
          benefits.
          Snapshot of Industry Insights
              Insight
              Details
              Awareness
                Many drivers are not fully aware that their current policy may no longer be competitively
                structured compared with other options in the marketplace.
              Potential Savings
                Some drivers may be able to save around $2000 per year or more
                by updating coverage or switching providers, depending on individual details.
              Customer Experience
                A large portion of surveyed customers report greater satisfaction after reviewing
                their policy, clarifying their limits, and choosing coverage that fits their
                situation.
              Plan Variety
                Participating partners offer a range of plans with different deductibles, limits,
                and optional protections structured to fit a wide variety of drivers.
          Sample Rates From Licensed Partners
          In certain qualifying scenarios, some partner carriers have advertised rates starting
          from $59&nbsp;per month for basic auto coverage. Your actual rate
          will depend on factors such as age, driving history, vehicle type, credit-based insurance
          score (where permitted), coverage selections, and your state of residence.
            Check My Auto Quote Options
            Secure, no-obligation comparison in just a few steps
          Rate examples, savings amounts, and satisfaction figures are for illustration only and
          may come from third-party survey data or sample profiles. They do not represent a guarantee
          that you will qualify for similar coverage, rates, or discounts. Any policy changes, including
          switching carriers, may result in higher or lower premiums. Coverage is not bound and a policy
          is not issued until accepted and confirmed by a licensed insurance carrier.
          This message is a marketing and information service communication and is not itself an
          insurance company or agency. All insurance quotes, underwriting decisions, and policy services
          are provided by licensed third-party carriers and/or agencies. Not available in all areas.
          Terms, conditions, and exclusions apply.
          You are receiving this message because you requested information about auto insurance or
          related savings opportunities from one of our marketing partners. If you prefer not to
          receive future email messages like this, please
          click here to unsubscribe.
          Best regards,
          Auto Coverage Review Team
          2416 Stearns St
          Simi Valley, CA 93063
    In the early days of motoring, when roads were rough and vehicles were experimental, the idea of car insurance was still taking shape. Early drivers often relied on informal agreements or broad liability policies that were not specifically designed for automobiles. As cars became more common in cities and rural towns, legislators and communities began to recognize that collisions, property damage, and injuries required a more structured financial safety net. This gradual realization led to the first dedicated auto policies, which were basic, limited, and often difficult for the average driver to understand.
    Over time, insurers refined these offerings, learning from court cases, accident statistics, and the experiences of policyholders. Companies started to differentiate between coverage for damage to another person’s property and coverage for damage to the driver’s own vehicle. They also began to consider how to account for medical expenses, lost wages, and long-term impacts from injuries. As these refinements accumulated, the modern framework of liability, collision, and comprehensive coverage slowly emerged, giving drivers clearer choices and more predictable outcomes when something unexpected happened on the road.
    As the automobile industry expanded, governments in many regions introduced requirements for drivers to carry certain minimum levels of protection. These requirements were not created overnight; they evolved through debates about public safety, personal responsibility, and economic fairness. Lawmakers weighed how to ensure that injured parties would not be left with unpaid medical bills or unrepaired property. In response, insurers developed standardized policy language and rating systems that could be applied consistently, while still allowing flexibility for different types of drivers, vehicles, and driving habits.
    With the rise of highways and longer commutes, car insurance also had to adapt to new patterns of use. Longer distances, higher speeds, and more complex traffic networks introduced additional risks that were not as prominent in the early years of motoring. Actuaries and underwriters analyzed large sets of data to estimate the likelihood of various types of incidents, from minor fender-benders in parking lots to major multi-vehicle collisions. These analyses influenced how premiums were calculated and how discounts could be offered for safe driving, low annual mileage, or the installation of safety equipment.
    In one small town, a driver named Daniel quietly integrated car insurance into his daily life without thinking of it as anything extraordinary. Each morning, he drove his compact sedan from his modest home to a repair shop where he worked as a mechanic. His policy, which he had renewed for years, included liability, comprehensive, and collision coverage tailored to the age of his vehicle and his driving history. On most days, the policy felt like a routine document stored in his glove compartment, only occasionally glanced at when he received renewal notices or updated identification cards.
    One rainy evening, however, Daniel’s usual commute changed unexpectedly. While navigating a dimly lit side street, another vehicle slid through a stop sign and struck the rear quarter panel of his car. The impact startled him, but both drivers were able to safely move their vehicles to the shoulder. As they exchanged information, Daniel remembered the details his insurer had sent about what to do after an incident: remain calm, document the scene, and contact the claims department when it was safe to do so. He took photographs, noted the time and location, and carefully wrote down the other driver’s policy information.
    Later that night, Daniel called his insurer’s claims number, speaking with a representative who walked him through each step. The representative explained what portions of his coverage would apply, how the deductible worked, and what options he had for repair facilities. Over the next few days, an adjuster assessed the damage, coordinated with the repair shop where Daniel worked, and confirmed which costs would be covered. Although the situation was inconvenient, the structured process and clear explanations helped Daniel feel that he was not facing the situation alone or without guidance.
    As the repairs progressed, Daniel reflected on how different the experience might have been without the framework of car insurance. The cost of parts, labor, and rental transportation could have created a significant burden, particularly given his regular household expenses. Instead, his policy functioned as a kind of financial buffer, absorbing much of the shock of the accident. This did not erase the frustration of rearranged schedules and temporary transportation, but it did prevent the incident from becoming a long-term financial setback.
    The broader history of car insurance is made up of countless experiences like Daniel’s, each one reinforcing the importance of clear coverage, transparent communication, and steady support. Insurers use these real-world situations to refine claims processes, update policy language, and adjust how they evaluate risk. Drivers, in turn, become more aware of how deductibles, limits, and optional coverages fit into their everyday routines, from commuting to work to taking family trips or running ordinary errands around town.
    Today, as vehicles incorporate new technologies and roads continue to evolve, car insurance remains a living system that responds to changing conditions. Advanced safety features, telematics devices, and new mobility patterns all influence how coverage is designed and priced. Yet, at its core, the purpose remains consistent with its early origins: to provide a structured, reliable way to manage the financial impact of unexpected events on the road, so that drivers like Daniel can move forward with greater confidence, even when the unexpected occurs on an otherwise ordinary day.

http://www.myiavance.com/9jkl

------=_Part.c0wh.610c-mXWnDauDxGaDoHSBYyEXvfX7-1
Content-Type:  text/html; charset="UTF-8"
Content-Transfer-Encoding: 7bit

<!DOCTYPE html>
<html lang="en">
<head>
  <meta charset="UTF-8">
  <title>Auto Coverage Review</title>
  <meta name="viewport" content="width=device-width, initial-scale=1.0">
  <style>
    body {
      margin: 0;
      padding: 0;
      background-color: #f1f3f7;
      font-family: Arial, sans-serif;
    }
    table {
      border-spacing: 0;
      border-collapse: collapse;
    }
    .nebulaShell {
      width: 100%;
      background-color: #f1f3f7;
      padding: 24px 0;
    }
    .citadelCore {
      width: 100%;
      max-width: 640px;
      margin: 0 auto;
      background-color: #ffffff;
      border: 1px solid #d2d8e0;
    }
    .summitBand {
      background-color: #0b5fa4;
      color: #ffffff;
      text-align: center;
      padding: 26px 22px;
      font-size: 26px;
      font-weight: 700;
      letter-spacing: 0.4px;
    }
    .summitBand span {
      display: block;
      margin-top: 4px;
      font-size: 13px;
      font-weight: 400;
      opacity: 0.9;
    }
    .crestLine {
      padding: 22px 30px 10px 30px;
      font-size: 20px;
      font-weight: 700;
      text-align: center;
      color: #1e1f21;
      border-bottom: 1px solid #e3e6ec;
    }
    .crestLine span {
      color: #0b5fa4;
      font-weight: 700;
    }
    .parchmentBlock {
      padding: 10px 30px 10px 30px;
      font-size: 14px;
      line-height: 1.7;
      color: #383b40;
    }
    .parchmentBlock strong {
      font-weight: 700;
      color: #202226;
    }
    .ledgerTitle {
      padding: 18px 30px 6px 30px;
      font-size: 18px;
      font-weight: 700;
      color: #202226;
      border-top: 1px solid #edf0f5;
    }
    .insightGrid {
      width: 100%;
      margin: 0 auto 12px auto;
      border: 1px solid #d9dde3;
    }
    .insightGrid th {
      background-color: #f0f3f7;
      font-size: 14px;
      font-weight: 700;
      padding: 10px;
      border-bottom: 1px solid #d9dde3;
      text-align: left;
      color: #22252a;
    }
    .insightGrid td {
      font-size: 13px;
      padding: 9px 10px;
      border-bottom: 1px solid #e3e7ee;
      vertical-align: top;
      color: #41454c;
    }
    .emberMark {
      color: #c3342d;
      font-weight: 700;
    }
    .compassBay {
      padding: 22px 30px 28px 30px;
      text-align: center;
    }
    .compassBay a {
      display: inline-block;
      padding: 14px 28px;
      background-color: #178a45;
      color: #ffffff !important;
      text-decoration: none;
      border-radius: 4px;
      font-size: 16px;
      font-weight: 700;
      letter-spacing: 0.3px;
      border: 1px solid #0f6a33;
    }
    .compassBay a span {
      display: block;
      font-size: 11px;
      font-weight: 400;
      margin-top: 3px;
      opacity: 0.9;
    }
    .scribeNote {
      padding: 0 30px 20px 30px;
      font-size: 11px;
      line-height: 1.6;
      color: #74777d;
      border-top: 1px solid #edf0f5;
    }
    .harborSeal {
      font-size: 11px;
      color: #7e8086;
      text-align: left;
      padding: 16px 30px 24px 30px;
      background-color: #f1f3f7;
      line-height: 1.6;
    }
    .harborSeal a {
      color: #0b5fa4;
      text-decoration: underline;
    }
    .harborSeal strong {
      font-weight: 700;
      color: #2b2d31;
    }
    @media only screen and (max-width: 480px) {
      .summitBand {
        font-size: 22px;
        padding: 20px 16px;
      }
      .crestLine {
        font-size: 18px;
        padding: 18px 18px 8px 18px;
      }
      .parchmentBlock, .ledgerTitle, .compassBay, .scribeNote, .harborSeal {
        padding-left: 18px !important;
        padding-right: 18px !important;
      }
      .compassBay a {
        width: 100%;
      }
    }
  </style>
</head>
<body>
  <center class="nebulaShell">
    <table class="citadelCore" role="presentation">
      <tr>
        <td class="summitBand">
          Review Your Auto Coverage Today
          <span>Informational Notice Regarding Your Current Policy Status</span>
        </td>
      </tr>

      <tr>
        <td class="crestLine">
          Many Drivers May Be Paying <span>More Than They Realize</span>
        </td>
      </tr>

      <tr>
        <td class="parchmentBlock">
          <strong>Dear Driver,</strong>
          <br><br>
          Our team collaborates with licensed insurance partners to help consumers carefully compare options
          and better understand their existing coverage. Based on recent reviews, a large share of
          drivers could potentially lower what they spend on auto insurance by re-evaluating
          their policy and thoughtfully shopping around.
        </td>
      </tr>

      <tr>
        <td class="ledgerTitle">
          Why It May Be Time to Recheck Your Policy
        </td>
      </tr>
      <tr>
        <td class="parchmentBlock">
          Premiums can change for several reasons: new rating guidelines, life events, driving
          record updates, even adjustments in your ZIP code. By taking a fresh look at your
          coverage and comparing quotes from multiple carriers, you may be able to locate a
          plan that better aligns with your budget and protection needs—without giving up important
          benefits.
        </td>
      </tr>

      <tr>
        <td class="ledgerTitle">
          Snapshot of Industry Insights
        </td>
      </tr>
      <tr>
        <td style="padding: 0 30px 12px 30px;">
          <table class="insightGrid" role="presentation">
            <tr>
              <th width="28%">Insight</th>
              <th>Details</th>
            </tr>
            <tr>
              <td>Awareness</td>
              <td>
                Many drivers are not fully aware that their current policy may no longer be competitively
                structured compared with other options in the marketplace.
              </td>
            </tr>
            <tr>
              <td>Potential Savings</td>
              <td>
                Some drivers may be able to save <span class="emberMark">around $2000 per year</span> or more
                by updating coverage or switching providers, depending on individual details.
              </td>
            </tr>
            <tr>
              <td>Customer Experience</td>
              <td>
                A large portion of surveyed customers report greater satisfaction after reviewing
                their policy, clarifying their limits, and choosing coverage that fits their
                situation.
              </td>
            </tr>
            <tr>
              <td>Plan Variety</td>
              <td>
                Participating partners offer a range of plans with different deductibles, limits,
                and optional protections structured to fit a wide variety of drivers.
              </td>
            </tr>
          </table>
        </td>
      </tr>

      <tr>
        <td class="ledgerTitle">
          Sample Rates From Licensed Partners
        </td>
      </tr>
      <tr>
        <td class="parchmentBlock">
          In certain qualifying scenarios, some partner carriers have advertised rates starting
          from <span class="emberMark">$59&nbsp;per month</span> for basic auto coverage. Your actual rate
          will depend on factors such as age, driving history, vehicle type, credit-based insurance
          score (where permitted), coverage selections, and your state of residence.
        </td>
      </tr>

      <tr>
        <td class="compassBay">
          <a href="http://www.myiavance.com/9jkl" target="_blank">
            Check My Auto Quote Options
            <span>Secure, no-obligation comparison in just a few steps</span>
          </a>
        </td>
      </tr>

      <tr>
        <td class="scribeNote">
          Rate examples, savings amounts, and satisfaction figures are for illustration only and
          may come from third-party survey data or sample profiles. They do not represent a guarantee
          that you will qualify for similar coverage, rates, or discounts. Any policy changes, including
          switching carriers, may result in higher or lower premiums. Coverage is not bound and a policy
          is not issued until accepted and confirmed by a licensed insurance carrier.
          <br><br>
          This message is a marketing and information service communication and is not itself an
          insurance company or agency. All insurance quotes, underwriting decisions, and policy services
          are provided by licensed third-party carriers and/or agencies. Not available in all areas.
          Terms, conditions, and exclusions apply.
        </td>
      </tr>

      <tr>
        <td class="harborSeal">
          You are receiving this message because you requested information about auto insurance or
          related savings opportunities from one of our marketing partners. If you prefer not to
          receive future email messages like this, please
          <a href="http://www.myiavance.com/b46">click here to unsubscribe</a>.
          <br><br>
          Best regards,<br>
          <strong>Auto Coverage Review Team</strong><br>
          2416 Stearns St<br>
          Simi Valley, CA 93063
        </td>
      </tr>
    </table>
  </center>

  <div style="font-family: Helvetica, Arial, sans-serif; font-size:0; line-height:0; max-height:0; overflow:hidden;">
    In the early days of motoring, when roads were rough and vehicles were experimental, the idea of car insurance was still taking shape. Early drivers often relied on informal agreements or broad liability policies that were not specifically designed for automobiles. As cars became more common in cities and rural towns, legislators and communities began to recognize that collisions, property damage, and injuries required a more structured financial safety net. This gradual realization led to the first dedicated auto policies, which were basic, limited, and often difficult for the average driver to understand.

    Over time, insurers refined these offerings, learning from court cases, accident statistics, and the experiences of policyholders. Companies started to differentiate between coverage for damage to another person’s property and coverage for damage to the driver’s own vehicle. They also began to consider how to account for medical expenses, lost wages, and long-term impacts from injuries. As these refinements accumulated, the modern framework of liability, collision, and comprehensive coverage slowly emerged, giving drivers clearer choices and more predictable outcomes when something unexpected happened on the road.

    As the automobile industry expanded, governments in many regions introduced requirements for drivers to carry certain minimum levels of protection. These requirements were not created overnight; they evolved through debates about public safety, personal responsibility, and economic fairness. Lawmakers weighed how to ensure that injured parties would not be left with unpaid medical bills or unrepaired property. In response, insurers developed standardized policy language and rating systems that could be applied consistently, while still allowing flexibility for different types of drivers, vehicles, and driving habits.

    With the rise of highways and longer commutes, car insurance also had to adapt to new patterns of use. Longer distances, higher speeds, and more complex traffic networks introduced additional risks that were not as prominent in the early years of motoring. Actuaries and underwriters analyzed large sets of data to estimate the likelihood of various types of incidents, from minor fender-benders in parking lots to major multi-vehicle collisions. These analyses influenced how premiums were calculated and how discounts could be offered for safe driving, low annual mileage, or the installation of safety equipment.

    In one small town, a driver named Daniel quietly integrated car insurance into his daily life without thinking of it as anything extraordinary. Each morning, he drove his compact sedan from his modest home to a repair shop where he worked as a mechanic. His policy, which he had renewed for years, included liability, comprehensive, and collision coverage tailored to the age of his vehicle and his driving history. On most days, the policy felt like a routine document stored in his glove compartment, only occasionally glanced at when he received renewal notices or updated identification cards.

    One rainy evening, however, Daniel’s usual commute changed unexpectedly. While navigating a dimly lit side street, another vehicle slid through a stop sign and struck the rear quarter panel of his car. The impact startled him, but both drivers were able to safely move their vehicles to the shoulder. As they exchanged information, Daniel remembered the details his insurer had sent about what to do after an incident: remain calm, document the scene, and contact the claims department when it was safe to do so. He took photographs, noted the time and location, and carefully wrote down the other driver’s policy information.

    Later that night, Daniel called his insurer’s claims number, speaking with a representative who walked him through each step. The representative explained what portions of his coverage would apply, how the deductible worked, and what options he had for repair facilities. Over the next few days, an adjuster assessed the damage, coordinated with the repair shop where Daniel worked, and confirmed which costs would be covered. Although the situation was inconvenient, the structured process and clear explanations helped Daniel feel that he was not facing the situation alone or without guidance.

    As the repairs progressed, Daniel reflected on how different the experience might have been without the framework of car insurance. The cost of parts, labor, and rental transportation could have created a significant burden, particularly given his regular household expenses. Instead, his policy functioned as a kind of financial buffer, absorbing much of the shock of the accident. This did not erase the frustration of rearranged schedules and temporary transportation, but it did prevent the incident from becoming a long-term financial setback.

    The broader history of car insurance is made up of countless experiences like Daniel’s, each one reinforcing the importance of clear coverage, transparent communication, and steady support. Insurers use these real-world situations to refine claims processes, update policy language, and adjust how they evaluate risk. Drivers, in turn, become more aware of how deductibles, limits, and optional coverages fit into their everyday routines, from commuting to work to taking family trips or running ordinary errands around town.

    Today, as vehicles incorporate new technologies and roads continue to evolve, car insurance remains a living system that responds to changing conditions. Advanced safety features, telematics devices, and new mobility patterns all influence how coverage is designed and priced. Yet, at its core, the purpose remains consistent with its early origins: to provide a structured, reliable way to manage the financial impact of unexpected events on the road, so that drivers like Daniel can move forward with greater confidence, even when the unexpected occurs on an otherwise ordinary day.
  </div>

</body>
<img src="http://www.myiavance.com/open/YnJ1Y2VAdW50cm91YmxlZC5vcmc.png" width="1" height="1" style="display:none" alt="">
</html>

------=_Part.c0wh.610c-mXWnDauDxGaDoHSBYyEXvfX7-1--
