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minnesota employee insurance

"minnesota employee insurance

minnesota employee insurance

BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr

RELATED QUESTIONS:

Which cars have the cheapest insurance rates?

17 / 18 year old (male) car insurance (UK only)?

Hi, I am 17 (male) and haven't took my test yet but hopefully will be soon. Can anyone tell me what they have paid for insurance recently so i can get the heads up on what car's to be looking out for and insurers to get quotes from. I have tried moneysupermarket.com and they just chuck out really high quotes 6000+ whatever car you put in. So, if any 17/ 18 year old boys have recently got a quote can you tell me how much the insurance was, who insured it and what the car is? Thanks.""

Car insurance quote?

does anyone know a website that can give me an aprox car quote without having to go through all of the sign up etc process?

Which car insurance company is the best? How much do you py for car insurance each month?

Which is the cheapest & best car insurance co for skoda fabia car in India?

Can anybody help me about car insurance?

For the last few months I've been sharing my Dad's car, I've been a named driver for that car. Now I've bought my own car, however, at the moment I cannot afford to pay the 220 starter fee to insure me on my own car just yet. So my question is, if I upgraded the insurance on my Dad's car to fully comp. Will I be covered to drive my car? I'm 17 by the way, if that changes anything. Any help will be very much appreciated.""

Can you tell me which car insurance is cheap in uk.?

Karamjit singh

What are the best websites to get car insurance quotes from different companies in New York City?

Can my parents exclude me from their auto insurance?

My parents have Country auto insurance (I'm assuming Countrywide, they said the one on the commercials ) I'm 16 and I feel it's my choice whether I get my license like every other kid out there, but my parents won't let me because their rates will go up. I know some insurance company's can exclude certain people from their plans, will my parent's insurance company do that for me? I really don't want to go through the hassle of calling them going on hold explaining it correctly etc. Please let me know! Thanks.(:""

Can i drive other peoples vhicles with my car insurance?

hi i have insurance to drive my car and im coverd to drive other peoples cars but dose the other persons car need insurance covering that vhicle for me to still be coverd or will my insurance cover that??? thanks

Has anyone used Cover Me Insurance Agency to buy Truck Insurance?

I'm a truck driver in need of truck insurance and filled out their quote form online at http://www.covermeinsurance.com/quote.html but have not heard back from them. I called them about 3am to leave a message but they don't even have a way to leave a message. I was wondering if anyone has had any experience with this truck insurance agency.

Is it a good idea to combine my car insurance with home owners insurance?

With Farmers Insurance? Is there a catch to it, since it sounds too good to be true. My old policy is only liability and covers around $15,000 per accidents, (monthly is $43.00). The new policy covers 100,000 per accidents and up to 300,000 (Monthly is $45.00). I was told there is a discount for the homeowners insurance too if i add all the cars in (3). And only saved $100. But with all the car insurance Were paying for, am i really saving anything?? I am confused??""

How much car Insurance would I pay?

I have just got my first car as I'm 17. I got the VW Scirocco 2.0 Around how much insurance would I be paying? I am a very good driver as I have had lots of practise since I was about ten. It is modified with a nice body kit and has twin turbos. I didn't think about insurance before I bought big engine car for a first car. Any help and who does it cheap for teenagers?

Car insurance advice?

how much money will it cost to insure a 1.4 - 1.6 litre car? I'm 17 and this will be my first car. thanks

Is there a motorcycle insurance company that lets you have full coverage during the summer months?

and limited coverage during the winter months? I live in NY so naturally, I wouldn't be driving during the winter months, so why pay full? Thanks""

How to get TD auto insurance quote in Ontario?

I am a new driver in Ontario with G2 licence. Never had insurance before. Got my G1in Oct. 2012 and G2 in Oct 2013. I am 33 years old married male. I have completed drivers' certification course. I don't have any ticket or any conviction. I am going to buy new 2013 Hyundai Sonata GL. I shopped online and with brokers too. All are quoting me around $320 - 350. I haven't heard anything from TD yet as they wanted me to give them written application to get a quote from them. (I don't know why?). I know TD gives cheap quotes, but I need to know an estimate. After submitting written application, I have to wait 3-4 weeks to hear from them. Can anyone be able to tell me how much will be TD's quote? (at least an estimate?) Thank you in advance!!!""

Is there a time limit or statute of limitations on car insurance claims?

I was in an accident in January. It was my fault, I was trying to avoid someone who had swerved into my lane so I got into the left lane really fast to avoid being hit at a high speed ...show more""

Why make a deduction for medical insurance?

I just started a new job, my first full-time job. I guess first thing first: is medical insurance the same thing as health insurance? And my employer handed me a form for payroll deductions. medical insurance is an option. Why would I have money deducted from my paycheck to go to medical insurance? And when the money leaves my paycheck where does it go? I know I could ask someone but weirdly no one else is in the office this week, but I need to fill it out before the new year. Thanks for any and all information!! Happy new year!""

What is the payment you make to the insurance company called?

***Auto Insurance

""Need a dentist, but have no insurance.

I need some major work done on my teeth but have no insurance. I also had to file bankruptcy 2 years ago and have no credit. Is there a dental group or dentist that would do work with ...show more

What is the best insurance company to have if you need to go into a rehabilitation center?

Which insurance covers the most??

We are looking for affordable healthcare insurance for my husband and i we are not wealthy but we need?

health insurance we would be paying it out of pocket there would be no way for us to have bluecross blueshield but we need something we are in our 40s and if someone could helpus with the right info we would really appreciate it SINCERELY ,, miserable and uninsured""

What Auto insurance company's police number start with NIC? (NIC000435X)?

How can I afford car insurance?

I'm under 25, and I'd like to buy a cheap car. Over a 6 month period, the insurance will cost much more than the car itself!! So is there a point to getting a car?""

Does anyone have HealthNet insurance?

I'm wondering if anyone else has HealthNet insurance and what it covers as far as diagnostic and fertility treatments? I'm considering switching from my Blue Cross&Blue Shield...just to something that will cover at LEAST diagnostic and maybe an RE I'm in Southern California

minnesota employee insurance

Best room insurance for a University student?

Which company provides the best deal on room insurance for students? Cheers

Has anyone heard of American Family Insurance? Are they a good company?

1 Day Car Insurance?

Does anyone know of companies that offer one day car insurance for 20yr old they all seem to be 25 and over why is that.....

Best insurance company.?

In your opinion what's the best insurance company. For a car that is.

Im 18 how can i get affordable insurance?

im a private contractor self employed individual i dont make much at the moment im still covered by my parents but i want to checked out and im ebarassed to ask parents because i feel like i might have something they have enough bills and issues and id like to be responsible for my own actions and bare the consequences if i must but hopefully its nothing...

Need help with insurance?

ok im getting my first car and im 17...i live with my mom and step dad. my mom cant get a licence because she has seizures and my step dad cant get his back until next year. since im under eighteen can i get my own insurance or do i have to be put on someone elses and if not will it cost a lot since im a new driver and a teenager? please help!

Homework / car insurance question?

I have to do a budget for the next 5 years of my life and im lost on how to get the car insurance part figured out. I have to figure out hom much i would be paying for car insurance if i was to buy a car in the future? can someone please help, i'm so lost. and plz dont just give me a website to go to, plz explain it a little. thanks""

Cheapest auto insurance in Florida??

Just moved and need some ideas for shopping around for the cheapest auto insurance in Florida.

Car insurance for an ocassional driver..?

I am 17 years old and I am getting my g2 class license in a week. I plan on going as an occasional driver on my moms car which is a 2002 or 2003 Ford Cougar. Does anyone know what the price of insurance would be a year approx? I know she pays about $120 for car AND house insurance... for an occasional driver on a red 2002 or 2003 Ford Cougar (red sports car) how much would insurance per year be? Any help would be great thanks!!! :)

Do you have to prove you have a job to buy car insurance?

do you need to show check stubs or anything to get car insurance

Do you have health insurance?

how old are you and how old are your kids?

Bussiness insurance?

need to know what type of insurance i need to open a carpet cleaning and window cleaning service.

Cheapest car to insure?

Hello my friend is passing her test hopefully in September time and is looking for a car now to get insured for September the first with her full license she is 19 but wants cheap insurance? Thanks

How long does it take to get health insurance?

I need health insurance from any company quick. Money is no problem. How long does it take to get me insured once iv'e signed up? and anyone know a company that can get me insured fast?

Does anyone know about affordable health insurance for people who are near blind?

A friend has very bad vision, has to get specially made lenses and contact lenses, which for the glasses would cost about $600 even with insurance. She can't get normal coverage due to her bad vision. Are there any insurance companies that would cover more? Please let me know.""

17 soon. just wondering about car insurance?

whether when i pass n get a car if il be able to pay insurance monthly? and does it cost more tht way (uk)

Cheap UK car insurance companies for 18 year olds?

Im 18 and paying 2600 a year for a 1.1 peugeot 206 with insure2drive found on confused.com. Ive been driving for 6 months with no ncb but i have my parents on my policy as 2nd and 3rd drivers. Does anyone know any cheap insurers or know anything i can do to get the price down?

Child custody in california?

my husband wants me to have full custody of child but is it possible for him to have visitation rights for child in summers? and the non-custodial parent doenst want to pay any child support? is this allowed in california?

6 month or Year car insurance?

Which one of these is more desirable? Seems like the year car insurance premium is higher than the 6 month. Also, how do you cancel a policy and get a policy with a new insurer without hurting your credit?""

Do you have to buy auto insurance as a condition of OWNING a car? or DRIVING a car?

If you own an RV and you live in it but you don't drive it.....does the auto insurance mandate apply to you?

Insurance for first cars?

When I'm 18 an hopefully passed my test I want to get either a VW scirocco, a Peugeot RCZ or a Mazda mx5. But I've been told insurance companies will refuse to insure me because it's my first far so is this true or how much would it roughly cost Thanks""

My mother added her car to my insurance policy without telling me?

i jus got a letter in the mail informing me of changes made to my insurance on my car, changes i didnt make and apparently my mother did, without telling me. what should i say to her?""

Will my insurance go up if i get my first speeding ticket?

I live in Louisiana and have farm bureau. I dont pay for my insurance so i was wondering if i should tell my mom since she will see if it went up. Please Help!!!

How do i switch my auto insurance policy before my term is up?

I currently have Direct Auto insurance, but i would like to switch companies to get a cheaper rate. i never had to cancel my insurance before the term is up, and my term isnt up till november 2010. my question is, how do i do that (if i can), and will i be charged for it?""

Question about insurance liabilty when driving a drunk friend home in his car?

My friend asked me to drive his car for him to pick him up because he was drinking. I picked him up and on the way home got into a fender bender at my fault. His insurance paid for the damages done to the other vehicle, but he does not have complete coverage for his car and wants me to cover 800 dollars in damages done to his vehicle. I do not feel responsible for this. I have minimum coverage. Will he be able to take me to claims court? Am I liable for his damages?""

minnesota employee insurance

Does a speeding ticket raise your car insurance?

I've gotten one speeding ticket 2 years ago but took defensive driving. I don't feel like taking it again but am willing to if there's a hike in my insurance. I'm in ...show more

How much does car insurance cost?

How much does car insurance cost? In average?

What's a classic British car that's cheap and insurable for a learner?

Cheaper than a mini or morris minor.

Question about car insurance for teenagers?

I'm in California, my friend called an insurance company and they said underage drivers can drive on their parent's insurance coverage if they have insurance, which means he doesnt have to pay since he's 17 and his dad has insurance on his car, to make a insurance contract he has to be 18. Is this true he can drive on his dad's insurance?""

Security Guarding Company insurance?

Can somebody tell me how much the average insurance would be for a security guarding company?

Am I covered under my parents car insurance?

I got my License yesterday and I want to drive my parents car, am I covered by their car insurance? I am 16 Years old.....""

Insurance box keeping car at different address?

i'm thinkg of getting insuranca box installed to reduce the cost of the premium, but i keep my car at different address, would they know that?""

Can I claim my car insurance back? It was cancelled after my car was written off & I couldn't afford another.?

My car insurance company cancelled my insurance because I did not buy another car. I could not get another as I'm still waiting for my excess to be paid out. I had paid 4 months of my annual car insurance so had to pay the remaining balance when they cancelled it. The accident was not my fault. I understand that I have to pay a full year's car insurance but wondered if I could claim for the months which I have not been able to benefit from due to the accident rendering me car-less!

Tell me how it is right that insurance companies charge young adult males more than female for car insurance?

The answer I seem to get is it can be statistically proven that males are more aggressive,speed and get into more accidents. That may be the case, but I am sure you can prove that a particular ethnicitiy gets into more accidents too, or that people with a particular eye color get into more accidents or that people with an IQ below 100 get into more accidents. So why don't they charge them more for car insurance too? You can say insurance companies have the right to charge more if an event is more likely to happen, like Earthquake insurance is more expensive in California than it is in Michigan. The difference there is that when you charge Californians more there, you are basing it on an uncontrollable act of nature that is almost certain to happen, but when you charge that male more for car insurance you are making judgements about a person's character, making assumptions about his future behavior and financially punishing him for it before he has even done anything. Tell me where I am wrong""

Where can a 16 year old male get his own auto insurance if he is the only licensed driver in the house?

2009 honda and liability insurance?

hi there, I'm 22 years old and currently pay 116 bucks a month for a 959 deductible and I think it sucks. Is it possible for me to get liability insurance on this car I've had for 2 years??""

Is my insurance going to go up?

I was in an accident, and I was the only car involved. The cop didnt give me a ticket and we are not going to claim it to allstate. I want to know if my insurance is going to get jacked up.""

Do you think which is better for a 1984 corvette classic car insurance or regular car insurance?

I am planning on getting a 1984 corvette but the insurance for it is a little too high.i just found out about classic car insurance but i really don't know much about it.but for classic car insurance,am i limited to a certain number of things like how far i can drive my car,when i can drive,etc?will the insurance actually be less or more for classic car insurance?and what is the best classic car insurance company i should go with?""

1 day or Weekend Auto Insurance?

Hi Guys, I have a car that has no insurance on it since i am not using it any more but still runs good. I need to travel to NY from Detroit this weekend and again don't need it any more there in NY. Are there any cheap Auto Insurance firms that give us auto insurance for the weekend only. Thanks a lot for the help.""

My mother added her car to my insurance policy without telling me?

i jus got a letter in the mail informing me of changes made to my insurance on my car, changes i didnt make and apparently my mother did, without telling me. what should i say to her?""

""Response Insurance, Need Customer Reviews?

http://www.response.com I recently checked the following for my auto insurance & they have good rates available but I have never heard of them. Is there any place I can get the customer review for this company? Or if you have dealt with this company please let me know your experience?

What is an insurance recovery vehicle?

I am looking at buying a car and one dealership offers insurance recovery vehicles for pretty cheap. I think that they they have been recovered after theft but I'm not really sure. Are they like salvaged vehicles and what problems could be found with buying an insurace recovery car? Have you had any experience with buying one? any knowledge would be appreciated.

If your insurance cancels and you reinsure the next day will you get hit with a penalty?

okay im with nationwide and theyre expensive so theyre canceling my insurance on 1/1/08 but i wont have the money to go to my new cheaper insurance until the next day so will i get hit with the 500 dmv fee??/

Car accident and issue with the insurance company?

I was in one car accident and someone hit the back of my car and pushed me to the front car. that caused a lot damage to my car. But, the insurance company which represent the guy hit me from the back said it is my fault of causing this accident. because i emerge from the left line to the right and didn't ensure there was safe enough to do emerging. The truth is the accident happend was after almost half miniute after emerging and i completely finished the emerging action. when i explained this to the insurance company, they won't listen to me.....so is that really my fault?""

How do i buy car insurance and how do I find a insurance company that suits me (cheap)?

ok so I've seen a car I would like to buy, how do I get car insurance? should I ring a call or get insured online? Also a list of names of insurance companies would be helpful? thanks""

Looking For New Car Insurance Company. HELP!!?

I need something with the fewest complaints yet the cheapest rates. For two cars and only half coverage we are paying over 200...

How much would my insurance be?

i wanna buy a camaro or a mustang convertible and i am 17 and a guy how much u think my insurance would be?the year of the car is around 1994-2002...how much for a ford explorer (same years)or a mitsubishi eclipse?

Affordable Health Insurance?

I was in a pedestrian accident earlier this year. The case has since been settled and I was awarded $25,000. That was the maximum insurance the driver had, after lawyer fees, etc., etc., I didn't end up with much. I am unable to work and have no health insurance. My back is still scarred. Everyday, all the time it aches. I stopped treating with the chiropractor because he was making me feel worst the entire 2 months I treated. I need prescriptions and medical attention period! I have about $4,000 left, but I am unemployed and do not want to continuously dip into my savings. Since my lawyer has been paid, I seem to be of least concern.""

Affordable car insurance?

Hi; I recently bought a 2002 Pontiac Grand Am from a used car dealership and need to find some insurance on the cheap side for it. What I'm really looking for is something that simply makes the car legal, as I can't really afford anything over $40. I'm 23 and living in Harrisburg Pennsylvania so any insurance you guys know of that fall into my parameters would be great; really need this car for work.""

Cheap motorcycle insurance?

anybody noe of some cheap motorcycle insurance im only 17 and im planning on getting a 250cc dis coming summer and i cant spend 300 or more a month thats to much pls help.

minnesota employee insurance

How much does insurance cost for a teenage driver?

So the car would be a scion frs I'm a guy....it's a coupe and with which company would it cost the least I live in Orange County california

Can't afford Health Insurance...?

I'm looking for advice...and hopefully someone to tell me that I'm not screwed. My boss graciously offered to find group insurance for all of her employees and she is willing to pay 50% of the premiums. The problem is that she went with the most expensive plan on the market (that I've seen) and I simply can't afford it. The premium is $340 a month, so I'd be paying $170 which isn't bad...but the copays are at least +20% on everything and doctor visits range from $35 to $55 a visit, so I wouldn't be able to afford to use my health coverage often. It also doesn't include dental, which is what I really wanted/needed. I am 21 years old (and all of my coworkers are in their 20s), so I don't really understand why the payments are so high. I'm right in the midst of paying off student loans, I don't get paid very much, and I was hoping to start saving money to purchase a car and be able to go back to school. I was going to use my income tax return as a down payment on a car, but if I opt out of healthcare this year at least a fourth of that return will be taken as the fine imposed to coerce people to sign up for the Affordable Care Act. I seriously don't know what to do. Neither of my parents have health insurance, so I can't be tacked onto their coverage. I was planning on telling my boss to opt me out, but she went ahead and signed me up so I'm looking at getting $170 taken out of my check right before Christmas either way. I actually found out how much it was after she signed me up...I don't even know how she did that without confirming everything with me. Am I completely screwed? What would you do?""

I involved in a car accident and that car insurance just expired few days ago?

I borrowed my brother in law car and unfortunately, i collided with another car. Then I realized that my brother's car insurance with GMAC has just expired few days ago. I don't have the same address with him, just borrow his car occasionally because i just moved here. I have my own car insurance in another state with AAA. What can I do in this situation?""

Did I get a cheap Auto Insurance?

Not sure if I got a good deal from Geico. I insured my new 2008 Mazda and and old Honda Civic. I live in SoCal. Liability Coverages for both: Bodily Injury = $500,000/$750,000. Property Damage = $50,000. Medical Payments = $25,000. Uninsured and Underinsured Motorist Bodily Injury = $500,000/$500,000. Plus Collision and Comprehensive Coverage for the new car. Total Premium = $528.70 (6 months coverage) Is this expensive? Did I choose the right amount for the coverage?""

""How can forcing us to buy health insurance, be the same as mandatory car insurance?""

I don't own a car, so I don't pay car insurance. Nobody is forcing me to buy it. But under the Obama individual mandate, we will all have to buy insurance or get fined. This is based on the assumption that you will get sick and not be able to afford your own care, and so will choose to be a burden. Those are a lot of assumptions. Can we force somebody to buy something that they don't want, based on assumptions that may or may not be true??""

Do Car Insurance check my previous insurance company?

I was thinking, Will New Car Insurances do a backup check on my previous insurance or they just start on a new claim and use the information based on that. The thing this will be my first car and as the price is high and if i say I have done a car insurance with that company will my insurance price go down as no claim for one year.""

Life Insurance company inactive and I have a policy?

Federal Life and Casualty in Battle Creek, MI is now inactive. My dad had a 5k life insurance policy and has passed on. He has a fully paid policy on file. Is this a situation where the family is out of luck?""

How much would it cost for a 17 year old for provisional drivers insurance?

How much around, price brackets?""

Whats the cheapest car insurance company in Missouri?

I am 20 and attend college. I never needed a car before but now that I have to start driving, I have to get my driver's license. I have my permit and a car but since I need legal tags and insurance to take the driving test. I have to get insurance before I can get tags. So I wanted to know whats the best insurance company for me, where prices won't be outrageous??? Thanks for the help: )""

""I am self employed and shopping for an affordable health/dental insurance, any ideas?""

I need coverage without spending a fortune every month, no pre-existing conditions.""

""Car shopping, when do I get the insurance?""

Im looking for cars, and I currently dont have full coverage, which I will need once I get a car I have to finance. Since I dont know if Im going to get the car Im going to look at I'm obviously not going to get the insurance for it before I leave my house! My bf said to call an insurance company and give them the info and get a quote, then if I get the car I can call the insurance co from the dealership and complete it. But I may look at several cars, so I dont know how this works. I thought it would be best to buy the car, go home and take car of the insurance thing and just go pick up the car the next day. Is that nuts?""

The insurance valued my car for 1100 and for the repairs done estimated between 900-1000?

someone crash in my side of the car.will the insurance company pay for the repair it or give me a check for the value of my car. i want to know because it was last week and now since next monday my mot runs out. there are 3 things to need fixed to past the mot and i want to know if to waste the money to do it if it is going to be write off. i was told by my brother i could get paid from the insurance the value of teh car

Where can I buy health insurance?

I'm an self-employed worker. Need some health insurance because you never know when I'll get injured.

Health insurance for wrestling..?

hi im a soon to be freshmen joining the wrestling team, and i dont have health insurance.. coach says i do, or i cant play. can someone please tell me a cheap health insurance coverage? my family is not financialy strong.. so please help me out here""

Is it possible for me to have insurance in Texas and currently live in Arizona?

I have a Texas license, but I currently live in Arizona and am looking to buy a car . Would I be able to purchase an insurance policy from Texas and have everything be sent to my ...show more""

How does getting a new state license affect your car insurance?

I have a TN driver license. I have a couple of violations on it. I just moved to SC, and I am going to get a SC driver license. I am going to be buying car insurance soon. When they look up my record off of my new SC driver license, will the violation/accident from my TN driver license show?""

Motorcycle insurance question?

Will i receive anything in the mail if I get a motorcycle insurance quote online? I don't want them sending anything.....lol

Anybody know of any car insurance co's that will give auto insurance policies to 17 year olds??

I have a 17 yr old that has already gotten 2 tickets so I want him off my policy - as he is making it too expensive for me to afford - I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn't drive - He has a license and has to be covered under my policy because he lives with me - so I can't take him off til he gets his own insurance. My problem - most co's will not issue a policy to anyone under 18 (PS - we live in New Jersey)

Can somebody explain to me what LP means in home insurance?

For example, I know that there is a classification in homes that's called LP3 . What does that mean??""

What is a private jet's insurance price? and maintenance costs? Averagely.?

For College I have to do a business plan. We are creating a fictive private jet renting company in Colombia but i can't find these informations. It is really important as i is part of our financial statements. Thank you very much.

Is the homeowners insurance higher in florida if you have a pool?

Maternity Insurance...Anyone have it?

My husband and I are trying for another baby. And most insurance companies in TN say you have to wait 9 months for the insurance to take effect. So is there any insurance out there that will help without having a time limit and not Tenncare or WIC. We will not qualify for that due to our income.

How much should I be looking for to pay for car insurance?

Its a 98 ford escort with 127,000 miles and it has a salvage title""

How much a month would car insurance be for a 2010 dodge charger? Im about to turn 18 and plan on getting this?

car. I know it depends on where u live etc..but i want to know the average cost per month of this particular car. I'm going to be joining the marines..idk if this matters but most places offer a military discount. So any feedback would be greatly appreciated.

Who has best affordable health insurance?

Looking for health and dental insurance for 1 + spouse in Texas.

minnesota employee insurance

https://www.linkedin.com/pulse/home-insurance-quote-images-alfred-valenzuela/"

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ramialkarmi · 7 years

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TRANSPORTATION AND LOGISTICS BRIEFING: Tesla falls short of Model 3 production goals — Ola raises $2 billion to combat Uber — Walmart acquires Parcel for same-day delivery push

Welcome to Transportation & Logistics Briefing, a new M-W-F morning email providing the latest news, data, and insight on how digital technology is disrupting transportation and delivery, produced by BI Intelligence.

Get the free Top 5 Disruptive Trends Shaping Transportation & Logistics report and start receiving our brand new Transportation & Logistics newsletter.

Have feedback? We'd like to hear from you. Write me at: [email protected] .

TESLA FAILS TO MEET MODEL 3 PRODUCTION GOALS: Tesla built only 260 of its much-hyped Model 3s in Q3 2017, far below its production target of 1,600 Model 3s for the quarter, The Wall Street Journal reports. Tesla has a history of missing its own production targets, but the miss indicates that the company faces enormous challenges ahead with its first foray into mass-market vehicles.

The Model 3 is the linchpin in Tesla’s strategy to transition from a niche, luxury automaker to a mass-market one that competes with the likes of GM and Ford. Tesla’s Model S sedans and Model X SUVs are luxury vehicles priced well out of the reach of the average consumer, and Tesla has yet to make more than 100,000 vehicles in a single year. In contrast, the $35,000 Model 3 is a mass market sedan that Tesla plans to produce at much higher volumes than the Model S or Model X.

Tesla has said that it expects Model 3 deliveries to follow a sharp S curve, just as Model S and Model X deliveries did after those vehicles were launched. The electric automaker’s previous guidance said that it expected to produce only 100 Model 3s in August and 1,500 in September, with production increasing sharply to reach 5,000 per week by the end of the year. Following that production timeline, the company advised customers placing Model 3 reservations this past summer to expect at least a year-long wait for their vehicles. For context, more than 450,000 customers have paid a $1,000 deposit to reserve one already.

The miss raises serious questions about when those customers will receive their Model 3s. Tesla said that some manufacturing subsystems at its California and Nevada factories took longer to get up and running than expected, and added that it is confident it can deal with the issues in the near term. Even if that’s the case, the company will have to accelerate production efforts to meet its guidance — a tall task given its ambitious targets. That will make Q4 production crucial to ensuring the company doesn’t fall too far behind its customers’ delivery expectations, particularly as mainstream automakers like Ford and GM start to accelerate their own electric vehicle production efforts. More than 63,000 customers have already cancelled their reservations, and further production delays could make that number rise in the coming months.

INDIAN RIDE-HAILING COMPANY OLA CLOSING IN ON NEW FUNDING: Ola, India’s largest ride-hailing company, is close to completing a new $2 billion funding round, according to Bloomberg. Investors in the funding round reportedly include Chinese internet holding company Tencent, Japanese telco Softbank, and a handful of US institutional investors. It’s not yet known what this new funding round would value the company at.

Founded back in 2010, Ola quickly rose to the top of the Indian ride-hailing market and cracked into the market’s immense potential. The firm was founded in Mumbai by a pair of former Microsoft employees, and by late 2014 it counted 40,000 cabs in its network, 33,000 registered users, and $250-$300 million in gross bookings on an annualized basis. Since then, the company has expanded to other cities, helping it earn about $120 million USD in 2016.

However, the company faces immense competition from Uber, which regards India as its second most important market. The world’s largest ride-hailing company moved into the country in 2013. Since then, Uber has risen to become Ola’s chief competitor, and numbers suggest it has pulled nearly even with the domestic company. Ola had 5.9 million monthly active users in the country in May 2017, while Uber had 5.5 million MAU, according to App Annie. Uber has achieved this growth through aggressive driver recruitment, expanding into smaller cities, and undercutting Ola’s prices.

The new funding could help Ola fight back against Uber’s expansion and move towards more sustainable growth. Ola lost about $350 million USD last year, a figure it’s trying to reduce by scaling back incentives for drivers and discounts to customers. With this new funding, the firm will likely look to broaden its reach within India — the country’s top seven or eight cities account for much of the company’s growth. Attracting users in smaller cities could help the company expand its customer base and put it on a more sustainable path for growth, rather than engaging in a price war with Uber in the country’s largest metropolitan areas.

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WALMART ACQUIRES SAME-DAY DELIVERY STARTUP PARCEL: Walmart announced that it is acquiring Brooklyn-based startup Parcel in order to offer same-day delivery in New York City, Recode reports. Parcel handles same-day deliveries for a variety of companies in New York City, including Bonobos, which Walmart recently acquired, as well as meal-kit delivery companies like Chef’d. Walmart and Parcel did not disclose the price for the acquisition, although one source told Recode the price tag was less than $10 million.

Parcel offers a software platform for managing last-mile deliveries in New York, allowing companies to deliver goods more quickly and efficiently. The acquisition will allow Walmart and Jet.com customers in New York City to get same-day delivery on grocery orders and general merchandise. Parcel’s platform allows companies and their customers to receive real-time updates on delivery times. Additionally, Parcel has compiled data about every building the company has delivered to in New York City that can help speed up deliveries by giving couriers information such as the location of service entrances. Deliveries are made from Parcel’s warehouse in Brooklyn and carried out by the company’s fleet of leased delivery trucks operated by professional couriers.

Same-day delivery is becoming a competitive advantage for retailers. One study released earlier this year by research firm L2 found that one quarter of US consumers surveyed would abandon a shopping cart if same-day delivery was not offered. Additionally, a recent McKinsey report predicted that same-day delivery will account for more than $200 billion in online sales — nearly 25% of the entire US e-commerce market — by 2025. Walmart could expand Parcel’s platform and services to more cities to grow its same-day delivery network to match Amazon Prime Now, which provides two-hour deliveries in more than 30 US cities. Walmart’s move follows Target’s recent acquisition of Grand Junction, another company that offers a platform for managing last-mile deliveries. The data and analytics capabilities in these platforms can help these retailers optimize their urban deliveries for speed and efficiency, making same-day delivery more viable and cost-effective.

In other news...

GM will introduce two new electric vehicles (EVs) in the US over the next eighteen months and 20 around the world within six years, according to The Wall Street Journal. However, it’s unknown what type of vehicles they would launch, or what they’d cost. The move comes as rival Ford created a new team to help it form partnerships with suppliers for EVs, a sign that the largest automakers in the US are significantly ramping up their efforts to expand their EV lineups.

Arity, an automotive data analytics startup owned by Allstate, launched Shared Mobility Solutions, a new software platform designed to help car-sharing, ride-sharing, and ride-hailing companies boost the efficiency of their services. The tool can analyze vehicle data on fuel consumption, miles driven, and maintenance costs, as well as consumer mobility behavior such as the time, location, and length of rides. The company hopes Shared Mobility Solutions will help clients reduce costs, decrease the down time between rides, and improve driver retention.

US trucking demand has been surging, straining fleet capacity at large operators and leading to rapid increases in pricing. Booming demand is being driven by several factors including e-commerce growth, higher manufacturing output, and and increased activity in the housing and construction sectors. The hurricanes that hit Texas and Florida last month only exacerbated shortages, causing major volatility in spot trucking rates. Per mile rates for shipments from Charlotte to Florida jumped 42 cents to $3.32 the week of September 16. With capacity at large truck operators dwindling, shippers need to tap into the growing number of small operators with just a handful of trucks. This could lead to growing use of platforms like Uber Freight and Convoy that can help connect shippers with these smaller trucking fleets.

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nicolelasquety · 7 years

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Coco Chanel once said, “Fashion passes, style remains”, and it is because of this phenomenon that we have fast fashion and mass production.

As mere consumerists, it is easy to ignore how fashion in one country and manufactured often under harsh conditions in another. How many of us actually consider our clothes and its impact on the environment? How many of us are aware or take an actual hand in manufacturing fabrics? As consumerists, do we patronize ethical and sustainable fashion? One of the major causes of environmental degradation is excluding environmental costs from market prices.

“Cotton farmers in Vidarbha, a region that used to be known as India’s cotton belt, face the grim reality of crop failures, sinking global cotton prices and crushing debts. More than 20,000 have killed themselves in the past decade and Vidarbha is now referred to as India’s ‘suicide belt’.

“Meanwhile, the current oil shortage means additional concerns over the lifecycle of synthetics derived primarily from petrochemicals. Unlike natural fibres, their source is not renewable and they are not biodegradable” (Dagliden, 2010).

For the past twenty years, fashion has been all about the next five minutes. Incidentally, Suzanne Lee, Founder BIOCOUTURE & BIOFABRICATE from New York, Chief Creative Officer Modern Meadow, TED Senior Fellow, NASA/NIKE Launch Innovator, is looking to the future of fashion for the next fifty years. In order to discover what that may look like, she partnered with bioengineers. Where does one begin to innovate fashion in order to be ethical and sustainable?

Leo Strauss president and CEO, John Anderson says, ‘‘For the fashion industry to be sustainable economically, it must be sustainable socially and environmentally too”.

For Lee, that meant rethinking the raw materials used to create fabric. What if, you could grow your own clothes?

Thanks to her efforts, plant-based and biodegradable fashion that was once science fiction is now science fact. Besides this revolutionary idea, “bio-couture” does not generate waste. With the sole ingredients being green tea, sugar, acetic acid like cider vinegar, and bacteria cultures combined with yeast, the garments are totally harmless and even edible. It is recyclable, which means new fabrics can be made from the waste sugar-water mixtures from the food or drinks industry. No light is required. This concoction takes two to three weeks to develop, after which it will form a mat-like substance, the result of which can range from transparent paper-like material to flexible leather-like fabric depending on the mixture. First, green tea and sugar is combined and cooled to below 30 degrees Celsius. It is poured into a container in controlled temperature. The bacteria feed on the sugar and produce a waste product of cellulose fibers, a product of fermentation, which forms a mat on the surface. The mat is ninety percent water and is quite heavy. It is washed in cold soapy water and is left under the sun to evaporate, leaving the fibers to become more compact. It smells sugary at first but the scent fades away after a while. It can be sewn conventionally or formed around three-dimensional shapes while wet. Resources for the raw ingredients are not a problem since “ninety percent of the planet is covered in cellulose material” (Lee).

The color black can be achieved by ion oxidizing upon the contact of metal with the fabric. Being very absorbent, it is easy to stain the fabric with fruit and vegetable pulps and absorb dye in one dip, whereas traditional fabric takes up to eighteen dips to achieve a dark color. This fabric, therefore, minimizes the use of toxic chemicals. She also discovered that indigo is a natural preservative of cellulose fibers, preventing it from other microorganisms and extending the lifespan of the fabric.

Now the questions arise, can this be mass produced? Is it economical? Is it practical for daily wear? As Lee says, these are still “concept garments, not on the market, and still very experimental”. However, she believes that their product will just get better as they continue to investigate methods to redesign the bacteria cells in order to produce water repellant and skin nourishing properties into the fabric. Nevertheless, when they are finally able to develop the material, it can solve many of the issues related to the fashion industry such as “rapidly rising commodity prices, vast quantities of harmful pesticides and chemicals being used in the materials, and clothing filling landfills” (Lee, 2012).

Finally, Lee provides simple steps in order to assure sustainability and ethics in fashion:

“1. Educate employees throughout the structure of the company. ‘There needs to be an understanding throughout the company that ‘we need to change’,’ says Suzanne Lee.

“2. Look at the materials you use. ‘Are they sustainable? Brands need to research and resource things that are sustainable; start with the materials,’ says Lee.

“3. Check what happens at the end of life with products. Is it possible for consumers to return items? ‘Can products be upcycled or recycled?’ Lee asks.

“4. Make customers aware. Some luxury industry players are already reusing expensive materials. ‘I think that’s good practice but they need to make customers part of what they get up to and help them understand why sustainability is a really good thing,’ says Lee.

“5. As LS:N Global has reported, the Turbulent Teens decade will see brands teaming up with scientists. ‘That gives you an advantage over other designers or other companies. If you’re already talking to them, you’re already working for the future, and the next generation of products,’ Lee says” (Dagliden, 2010).

She then challenges others to grow more objects. For instance, there are people coming up with liquid silk that can be placed into a 3D printer to form a pair of spectacles. Some are taking waste crops from something like carrots and turning it into a carbon fiber-like material to create something tough like a skateboard.

Green tea fabric isn’t the only one to come up with ecofriendly couture. When fashion meets culinary arts, the doors to innovation only multiply. There are currently at least nine organic fashion alternatives. Emily Crane, a Kingston University fashion student, has partnered with The Fat Duck, a “three-Michelin-starred restaurant owned by avant-garde food scientist Heston Blumenthal” (Chua, 2012), to come up with fabric brewed from gelatin and seaweed.

On the other hand, University of Western Australia came up with a project called Microb’be to produce fabric from red wine, the result of which resembles the consistency of cotton. However, Acetobacter produces vinegar, which despite the stench is more environmental friendly than genetically modified cotton.

Fortunately, German designer Anke Domaske discovered a way to recycle spoiled milk into an odorless silk derived from casein, a protein found in milk, from mammals. Unlike other milk-based fibers, Qmilk uses up two liters of water per kilogram of fiber, requires no harmful chemicals, and leaves behind zero waste.

For a sweet alternative, Samantha Murray, a New Zealand designer, developed “Sweet Suspension”, a collection of fruit-flavored dresses which “combines the shapes of classical sculpture with the “texture of gummy lollies”” for her final year at Massey University.

Similarly,

“Eric Meursing and Marjolein Wintjes, owners of De Culinaire Werkplaats, a design-studio-cum-restaurant in Amsterdam, built their reputation on edible pastry wrappers made from dehydrated fruits, vegetables, and herbs. Described as a “novel eating initiative and experience,” De Culinaire Werkplaats draws inspiration from seemingly unrelated sources, from architecture to emotions. “Taste the Unwearables,” a series of fabrics made from vegetables, fruits, and herbs, is part call to eat more greens, part commentary on the ephemeral nature of fashion” (par. 7).

Diana Kovacheva, a designer from Central Saint Martins takes the idea “fashion passes” literally by creating Transient Consumables or edible clothing.

Fabrics aren’t the only things being organically produced. From Central Saint Martins, London, Yung Ju Do, a fashion student, has come up with compostable jewelry.

In addition, Corole Colet has developed Biolace (lace from plant roots) via “cellular programming of morphogenesis in plant systems” (par. 8).

Another innovative idea was realized when Sophie Mather, former head of innovation at Nike Asia, and industry expert in sustainable textile, worked with the Yeh Group, a Bangkok based textile manufacturer. It all started with a feast on watermelons in China when she realized that the water the fruits thrived on were toxic. “Every year, water dyeing textiles dispose the equivalent of half the Mediterranean sea into rivers and streams” (AEG, 2014). Hence, she reinvented dyeing without a single drop of water, which she called “dry dye”. Dry dye makes use of highly compressed gas known as super critical carbon dioxide. This process uses up 50 percent less energy and chemicals. There are seven machines in commercial use today with the capacity to dye one million yards of fabric per year.

On the other hand, Patagonia, a company based in Ventura, California advocates “Buy less, Care more”. In the United Kingdom alone, people own thirty billion pounds of clothing they haven’t worn once in a year. What Patagonia seeks to promote is the habit of buying only what you need and taking responsibility to repair one’s own clothes instead of buying new ones. They also sell repair kits and release accompanying how-to videos. Beyond teaching their customers to reuse, they instill greater value for their products suggesting that fixing the product themselves will make the customers see the product not just as something they bought but something they can claim ownership of.

In retrospect, Nancy Tilbury of Studio XO, a company that intersects technology, music, and fashion together, concludes,

“Fashion future is actually fashion past”. It’s about going back to becoming producers working with primary producers.

References:

AEG. (2014). Motion picture. House of Radon. Retrieved February 13, 2017.

Chua, J. M. (2012, July 31). 9 Edible Fashions Inspired by the Culinary Arts. Retrieved February 17, 2017, from http://www.ecouterre.com/9-edible-fashions-inspired-by-the-culinary-arts/

Dagliden, J. (n.d.). Suzanne Lee : We will grow our clothes in the future. Retrieved February 13, 2017, from https://www.lsnglobal.com/opinion/article/1818/suzanne-lee-we-will-grow-our-clothes-in-the-future

Future of Fashion Coco Chanel once said, “Fashion passes, style remains”, and it is because of this phenomenon that we have fast fashion and mass production.

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