Esurance Breaks Down the Mix Tape Situation with Your Twitter Comments

Our newest commercial, “Mix Tape,” features a new Esurance commercial song (well, new for us at least): the 1982 hit “Situation” by Yaz. We think it’s great, and like the other commercials from our Insurance for the Modern World™ campaign, it’s generating a fair number of comments from the Twitterati.

Comments about the ’80s Esurance commercial song

With so many people using their smartphones or iPads when they watch TV, we often get near-instant responses about our commercials via Twitter. For “Mix Tape,” we’ve gotten a lot of comments about the ’80s song.

@Aaron_Nagler tweeted to @thecabinstudio (Vince Clarke of Yaz) that he was happy to hear the song, “even if it’s in an Esurance commercial.” A few others, like @__hobojoe, attributed the background music to Heidi Montag, who sampled “Situation” for her 2009 song “Body Language.”

Well, we’re happy to tell you that we didn’t get the music from Heidi (she was born several years after Yaz released “Situation”). Sorry #Speidi fans!

Comments about mix tapes

For all the love we’ve gotten regarding our “Mix Tape” commercial, some of our friends worried that we were disparaging mix tapes.

@lpstckjrnlst said we were “denouncing mixtapes.” And @aarontap tweeted “If I ever needed a reason to never be an @esurance customer, their new tv ad is it. Don’t dis the venerable mix tape, fools!”

Easy now. We love the mix tape as much as the next guy. Our “Mix Tape” commercial is meant to show how computers and the internet have changed not only the way we consume music, but also how we buy car insurance.

Thanks to those 2 fabulous inventions, Esurance was able to create our new Express Lane™ feature, which makes it easier to get a car insurance quote. With Express Lane, important and sometimes hard-to-find bits of information (like your car’s VIN, your prior insurance info, and even your drivers license number) are automatically added to your quote.

Like the transition from mix tapes to MP3s — which helps music lovers save time by making it easier to create playlists — our Express Lane feature also helps consumers save time by making it easier to get a car insurance quote.

That’s it. No dissing on mix tapes (we’re just as nostalgic for that era as everyone else), just love for the ease and convenience of technology.

What Health Care Reform Means for You (and Your Car Insurance)

On March 23, 2010, President Obama signed the Affordable Health Care Act (dubbed Obamacare by some), putting in place comprehensive health care reforms. And in June of this year, the Supreme Court ruled that this act is constitutional — meaning that you can expect more changes in the coming years.

Health care reform might impact more than just our health insurance though. Believe it or not, it could also sway how we buy car insurance.

Really? Really.

See, car insurance — specifically medical payments coverage — has long been an important addition to many people’s health insurance. For those who don’t have adequate coverage, medical payments can help with everything from the hospital bill to extended nursing services if a car accident occurs. (Of course, since med pay is a type of car insurance coverage and not actual health insurance, it’ll only kick in if you or your passengers suffer an injury in a traffic accident.)

But is medical payments coverage still useful in this shifting health care landscape? Let’s lay out some of the major highlights (past and future) of the Affordable Health Care Act and find out.

Health care changes that have already occurred

Young adults can stay on their parents’ plan
College grads and young adults have a little less pressure to land a job that offers health insurance. With Obamacare in effect, children could stay on their parents’ plan until they turn 26 — even if they’re in school, married, or not living at home.

No lifetime limits on most benefits
The Affordable Health Care Act has eliminated lifetime limits, or the dollar limit your insurer will pay during the entire time you’re enrolled in that plan. So if you, say, need to stay in a hospital, you won’t be turned away no matter how much your health insurer has spent on you in the past. (Nice, right?)

Free preventive services
Under the new law, you and your family could receive recommended preventive health services (like screenings, vaccinations, counseling) without having to pay a co-pay or deductible.

Health care changes to come

New health insurance marketplace
Beginning in 2014, there will be a new (and easier) way to shop for medical coverage. If you don’t have a health plan through work, you can simply head to the Affordable Insurance Exchange.

The Exchange (as those in the know like to call it) will offer the option to compare plans, get answers to health insurance questions, and enroll in private or public health coverage. In case you’re still skeptical, even Congress members will be using it for their own health care needs.

Individual responsibility
In 2014, if you can afford health insurance but don’t buy it, you could be asked to pay a fee to help offset the cost of covering uninsured citizens. This won’t apply, however, if affordable coverage isn’t available to you.

Guaranteed coverage even with a preexisting condition
This is a biggie. In 2014, health insurers won’t be able to deny you coverage or cancel your policy because you have a longstanding issue (like heart disease or asthma).

Does medical payments coverage still make sense?

With health care reform slated to bring coverage to as many people as possible while potentially increasing the quality of protection, should you still consider adding medical payments coverage to your car insurance policy? The simple answer is yes (since medical payments coverage will still provide valuable supplemental protection in the following ways).

Protected passengers
Believe it or not, medical payments coverage not only protects you, it also protects your passengers. If you get into an accident with all your friends in the car, med pay will also help cover their medical expenses.

Covered deductibles
There’s no telling what deductibles might come along with medical treatment — even post-health care reform. Luckily, medical payments coverage can actually help reimburse you for these pesky costs.

Additional treatments
Even as health insurance improves, there are still things you might need after a car accident that your plan doesn’t cover — like dental work or long-term nursing. Though we hope you never need it, med pay coverage could be the extra bit of protection that saves the day.

5 Tips for ATV Safety

When it comes to hobbies, ATV (all-terrain vehicle) riding finds itself wedged between 2 extremes: fun and danger. Though flirting with danger is part of the fun, there’s nothing fun about an ATV accident. Luckily, a lot of risks associated with off-roading can be avoided by following a few basic rules for ATV safety.

1. If you’re not sure you can do it, don’t

When off-roading on an ATV, it can be tempting to push the limits. Once you tackle that first daunting obstacle, anything seems possible. But there’s a fine line between what your machine can handle and what it can’t. Don’t be the person with a bent wheel and a broken leg because you wanted to impress your buddies.

2. Bring maps (or apps) and water

It’s super easy to get lost when you’re riding off-road. Trails aren’t always marked and there might not be anyone around to give you directions. With that in mind, make sure you know the terrain you’re riding on by carrying a handy map.

If maps aren’t your thing, you can find a number of useful mobile apps to help you do everything from map your trail to view weather conditions — if you get reception on the trail, that is. (Got a good app suggestion? Share it with us in the comments section.)

But in case you still get lost, be prepared with food and plenty of water — you never know if you’ll have to make an extended stay.

3. Be ready for a rollover

If you’re in a covered UTV (utility vehicle), the seat belts and roll-cage should protect your torso from injury. But it won’t do much good if your arms and legs are loose. Be prepared by always keeping your limbs inside the vehicle.

If you do lose control and start to roll, cross your arms over your chest and grab onto the straps of your safety belt.

4. Wear the right gear

Wearing the right protective gear can go a long way toward keeping you safe from harm. Before hitting the trails, make sure you have:

5. Get a reliable ATV insurance policy

Following these and other safe-riding practices can help you protect yourself on the trail. But to protect your ATV, you need specialized ATV insurance, which can offer property damage coverage and so much more.

Curious about what ATV coverage can do for you? Check out our page on ATV insurance basics.

Related link

ATV insurance FAQs
If you have questions about ATV insurance, chances are we have the answers.