For example, Progressive paid over $6 billion to independent agents last year, while Travelers and Hartford paid roughly $3.35 billion and $1.25 billion, respectively, in segments dominated by personal lines and small commercial business. BofA notes that these types of policies, such as standard home and auto insurance, represent low-sophistication transactions where human agents add little value, making direct-to-consumer digital channels a considerable cost-saver for the buyer.
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As it turns out, at this price point the planet starts looking a lot more like your own personal bivalve. For starters, the cars that looked good at $10,000 look a lot better in the next bracket up, generally newer model years or with lower mileage than the cheaper alternatives. Which means you can afford the facelifted i3. For model-year 2018 and onward, BMW fitted its electric city car with a larger-capacity battery, which means up to 114 miles (183 km) of range on a full charge, or about 150 miles (241 km) if it's the one with the two-cylinder range-extender engine. Apple CarPlay and Android Auto might also be built into these i3s, although there are aftermarket solutions now, too.
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