New Online Auto Insurance Agency Offers Savings for Parents of New Drivers

A new online auto insurance agency seeks to change the way parents purchase auto insurance for teen drivers — a transaction that often costs hundreds of dollars more than necessary.

“Adding a teen to your existing policy is the path of least resistance. It’s easy for the consumer and easy for your agent — maybe too easy,” said Chris Heidrick, president of TOGA Insurance. “In too many cases, these add-on policies are more expensive than they need to be. Rather than simply grin and bear it, we encourage families to perform an Auto-Insurance Tune-up whenever they experience the life event of adding a new teen driver.”

Rating auto insurance is complex, each company does it differently and after a year or two, consumers can no longer be sure their insurance is still the most affordable option, Heidrick said. That’s why a few minutes of comparison-shopping is likely to reap rewards for families, especially during significant changes such as the addition of a teen driver.

“TOGA specializes in insuring new drivers as well as experienced drivers,” Heidrick said. “Our Web site provides customers with rates from several well-known companies, expert advice on their coverage as well as tips on how drivers can reduce the risk of an accident.”

TOGA Insurance, which stands for The Online General Agency, will initially write auto insurance in Florida but will offer new products in new geographic areas by mid 2008. TOGA is affiliated with its sister company, the National Safety Commission, which provides online education services for new drivers and drivers who receive traffic tickets and was recently recognized by INC magazine as the second-fastest growing education company in America. Leveraging this relationship, TOGA will offer insurance products from a number of carriers, including Progressive, Infinity and Fidelity, to the more than 400,000 online customers of who use National Safety Commission services during critical driving events that create new insurance needs. TOGA will also serve other Florida consumers who are simply looking for ways to save money on auto insurance premiums.

In a country where, tragically, auto crashes are the No. 1 cause of death for teenagers, TOGA’s partnership with the nation’s leader in traffic safety education is vital element of the company’s risk-management program, said Col. Chris Knight, former director of the Florida Highway Patrol.

“As a former law enforcement officer — and also as a parent of a teen learning to drive — I firmly believe that helping to teach safe driving habits must be a key mission of any organization that brings new drivers onto our roads,” Knight said. “TOGA’s relationship with the National Safety Commission’s award-winning traffic safety education programs is a valuable asset to parents.”

TOGA is also planning to seek strategic partnerships with other organizations whose online services fit with TOGA’s ‘immediate solutions for immediate needs’ model.

“Just as consumers have turned to online options for other products and services, they are doing so for insurance,” Heidrick said. “By offering needed insurance products to customers as they apply for a license or deal with traffic citations, we’ll be there for our customers where and when they need us.”

Heidrick is an insurance veteran who has held senior management posts at both Fireman’s Fund and Marsh & McLennan, and he has brought in a team of other top executives from Fireman’s Fund and MetLife to TOGA.

Ken Underwood, CEO of SIHcorp, TOGA’s parent company, said that TOGA’s business model would set a new standard for customer convenience and in targeted auto insurance marketing.

“We’re here to serve consumers and create a customer-friendly process of getting the right insurance, at the right price, at the right time,” Underwood said. “We’re very pleased to be open for business with some of the best minds in the insurance industry and we’re looking forward to an exciting 2008.”

For more information, please visit or call 1-800-TOGA-TOGA.

TOGA and National Safety Commission Inc. are fully owned subsidiaries of SIHcorp, which controls strategic positions in online education, entertainment, insurance and numerous additional web-based services.

Statements in this press release or in other SIHcorp communications may relate to future events or SIHcorp’s future performance. Such statements are forward-looking statements and are based on present information SIHcorp has related to its existing business circumstances. Everyone is cautioned that such forward-looking statements are subject to inherent risk and that actual results may differ materially from such forward-looking statements. In particular, SIHcorp may not enter into or may exit definitive agreements with and or related to carriers, other products and geographies.