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Binance Review 2018: Comprehensive Crypto Coin Exchange Binance is a Chinese cryptocurrency exchange. Binance was created after attracting funds via an ICO (Initial Coin Offering – creating a new digital asset, backed by the project. Changpeng Zhao, former CTO at OKCoin is currently at the helm of Binance. They are known for fast processing speeds coupled with an ability to process enormous numbers of transactions (1.4 million) each second. It’s been quickly gaining ground in market share cementing a place as a top 20 exchange in terms of volume. Binance transaction has reached a new level and currently score tenth place in the world. Binance offers a generous daily withdrawal limit. They don’t need identity confirmation when the per day remittance is within limit of 2 BTC. Binance Features Binance’s trading platform is web-based. Furthermore it offers two distinct trading layouts, a more simple one and a “Pro” version. Their ICO has created tokens named BNB that are traded on the exchange. They can also be used as a method of paying your trading fees, which will reduce them by 50%. Binance offers their own startup incubator platform as well. The trading functionality of the platform was of more interest so we focused on that for the purposes of this Binance review. Below is the “standard platform” look: Below is the advanced display: BINANCE Advantages Large Cryptocurrency Pairings Supported The competitive advantage of Binance’s platform is the ability to trade every major cryptocurrency pairing in existence. Coinbase and Gemini only offer trading of a handful of the larger market capitalization cryptos, whereas Binance allows users access to trade over 100 crypto coins. Low Fees AND LIMITS The fee structure is simple as well as being priced. There is a flat 0.10% fee on all trading. The 0.10% fee on trades is one basis point. If you were to buy a cryptocoin at 100 you’d have to sell it higher for 101 to profit. Ease of Setup Setting up an account is straight forward, similar to signing up for an account with other service providers. Another advantage is there is no lengthy waiting time, users are able to get setup and running within minutes. This is due to the fact that fiat is not accepted on the exchange. Binance Provides Significant Trading Volume Binance is currently the third largest exchange by cryptocurrency trading volume, according to coinmarketcap. At the time of writing, Binance’s volume was an astounding $5,441,711,452 in the last 24 hours! This volume demonstrates their users clear trust in the exchange, as well as the accessibility of the exchange and ease of transacting. This type of volume requires substantial servers and computational power. Wide Support of Cryptocurrencies No Verification Requirements Binance doesn’t require identity confirmation in instances when the per day remittance is within the limit of 2 BTC. The attractiveness of setting up an account with Binance may be greater for a user in a jurisdiction where certain exchanges choose not to allow new users because of restrictions imposed by that location’s governing regulatory bodies. Ease of Use You’re able to buy and sell crypto pairings with market or limit orders while specifying the amount or percentage you wish to trade for each transaction. BINANCE Disadvantages No Leveraged Margin Trading Margin trading is not available at Binance. Margin trading is a system which allows you to trade with more money than you actually have in your account. Your balance is then used as a guarantee to maintain your position open. No Fiat Functionality This has both advantages and disadvantages. Government fiat deposits are not currently enabled in Binance, instead this exchange focuses only on the digital side of things. Clients can deposit and withdraw the coins supported at the exchange. This means that you’re not able to deposit or withdraw in fiat currency, only cryptocurrency is supported. Relatively New Binance was started in only July 2017, according to this Reddit post. This is a major concern, as they don’t have a history. Despite all the good things people are saying on Reddit. it’s worth mentioning as many exchanges have come and gone. Binance appears to have a visible co-founder, unlike BTC-E. Conclusion Accessible option for obtaining Different Cryptocoins Binance is the most rapidly-growing and communally praised cryptocurrency exchange available. It’s China based location may spell issues in the future due to rumors of a “crackdown“. that currently accounts for a large amount of volume. Although Binance targets high frequency traders, it is quite useful for those getting beginning with altcoin trading. Their lack of fiat money deposits may be difficult to swallow for beginners, only supported cryptocurrencies may be deposited. Binance boasts a large number of various cryptocoins for trading. The main benefit is the ability convert between cryptocurrencies. For instance exchanges such as Coinbase and Gemini are more limited in the number of cryptocurrencies offered. The interface is also conducive to support shorter duration hold time day trading of cryptocurrencies if one were so inclined to deploy that strategy. Binance is an exchange worth looking into and integrating into crypto trading just for their large amount of supported crypto coins.

We reviewed customer satisfaction and financial ratings of insurance companies to determine the top motorcycle insurance companies. Both are important factors to consider when choosing a policy. Where some factors weren't available, we looked at the closest available metric to help our evaluation. Here are how the major insurers ranked based on four factors: customer satisfaction with the purchase experience, claims process, and financial strength ratings. INSURANCE COMPANY PURCHASE EXPERIENCE* (2017) CLAIMS SATISFACTION* (2017) A.M. BEST (2018) S&P (2018) USAA 5 5 A++ AA+ Erie Insurance 5 4 A+ Api Amica 4 5 A+ Api American Family 4 3 A N/A GEICO 3 4 A++ AA+ State Farm 3 3 A++ AA Allstate 3 3 A+ AA- Farmers Insurance 3 3 A A+ Nationwide 3 3 A+ A+ Liberty Mutual 4 2 A A Progressive 2 3 A+ AA *J.D. Power ratings are for 2017 and represent the following: 5-Among The Best, 4-Better Than Most, 3-About Average, 2-The Rest J.D. Power does not rate companies based solely on their motorcycle insurance policies, but it does rate them for their Overall Purchase Experience and Overall Claims Satisfaction in evaluating the best auto insurance companies. Auto and motorcycle insurance policies are very similar, with the exception of the vehicle they cover. These auto insurance ratings might be some indicator of how customers also feel about the motorcycle insurance policies offered by these carriers. Many of the large carriers that offer motorcycle insurance in the U.S. are rated well financially by A.M. Best and Standard & Poor's (S&P), two prominent rating agencies. The difference in financial strength should mean little to the individual consumer, unless a company under consideration is in extremely poor financial condition. Best Overall Company: Progressive Progressive says on their website that “1 in 3 insured motorcycle riders” choose their company, which isn’t surprising. We conducted a study in all 50 states that compared motorcycle insurance quotes from major carriers and Progressive consistently had some of the best rates. In addition to the low cost, the carrier also stands out for the coverages included it their policies, discounts and the variety of vehicles their policy insures. In addition to affordable rates, Progressive’s motorcycle insurance policies include coverages that are frequently optional and cost more to add, or are not offered at all by other carriers. These include full replacement cost without depreciation, which covers the cost to restore a bike to pre-accident condition (instead of up to the Kelley Blue Book price). All Progressive motorcycle insurance policies cover Original Equipment Manufacturer (OEM) parts as well as custom parts, which are frequently excluded by other insurers. Progressive also includes $3,000 of comprehensive and collision coverage for any upgrades, customizations and equipment (such as your helmet, gloves and leathers). The bike itself is not covered by the included coverage, but this is still a significant value added to a policy. Along with safe driver and multi-policy or vehicle discounts offered by almost all motorcycle insurance companies, Progressive has a number of other ways riders can save. The company has a safe driver discount -- for riders without any accidents for three years -- and reduces deductibles down to $0 for a claim if a rider is accident free for four years. Progressive also reduces the cost of your premium if you use electronic billing, complete safety courses or have a LoJack vehicle recovery system. Best for Cheap Rates: GEICO For a lot of motorcyclists, the cheapest policy is the one they are most interested in. They might just want to make sure they are riding within the law or want to save money, but either way, GEICO motorcycle insurance is the coverage for them. In our study of motorcycle insurance company quotes, GEICO had the cheapest rates in a number of states, including Arkansas, Mississippi and Oklahoma. In Mississippi, for example, we conducted a study for a sample policy and rider and found the average motorcycle insurance quote in the state was 2.75x GEICO’s average premium. The average annual motorcycle insurance premium in the U.S. is $519. Even though it generally has the lowest rates, GEICO motorcycle insurance still offers good coverage that is very well-reviewed on the carrier’s website. Their policies include include bodily injury and property damage liability; collision and comprehensive coverage for physical damage to a bike; medical payments, no-fault or personal injury protection; uninsured/underinsured motorist coverage; and accessories coverage. GEICO also offers a number of discounts to further reduce your rates. Riders who already have a motorcycle insurance policy with another company and switch to GEICO get up to a 10% discount. The carrier also discounts policies up to 10% that cover more than one bike, older riders and policyholders that complete a qualified safety course. A 20% discount is available for Motorcycle Safety Foundation instructors. If someone really needs to insure their bike but can’t afford the annual premium to insure it, GEICO also offers payment plans. Policyholders can choose to pay their annual premium via anywhere between four and nine separate payments, for an additional fee. Best for Motorcycle Road Trips: Esurance For motorcyclists who enjoy long road trips, an Esurance motorcycle insurance policy is probably the best. Riders can choose coverages they need or want from the standard list offered by most carriers, such as bodily injury and property damage liability, or comprehensive and collision coverage. Esurance is great for travelers because it also offers trip interruption coverage, and towing and labor coverage. Trip interruption offers $100 for lodging, $50 for alternative transportation and $50 for food per day up to $500 for any mechanical breakdown, collision or comprehensive claim. No one plans on a trip being interrupted, but at least with this coverage, it will curtail any additional costs. Towing and labor coverage aren’t just for someone who gets their motorcycle stuck in a ditch. It will cover you if you’re stranded, or if your motorcycle breaks down or needs to be towed. But it also covers help with a dead battery, flat tire, lost keys, and low fluids (including fuel). Again, no one plans on needing these services but there are occasions when they come in handy, especially if you’re travelling a lot on your bike. Best for the U.S. Military and Their Families: USAA As long as you qualify, USAA insurance policies include extremely comprehensive coverage relative to their cost – whether it’s renters insurance or motorcycle insurance. Only active or retired members of the military and their families are eligible to purchase policies but if you qualify, it is coverage you should consider. USAA motorcycle insurance policies offer the same standard coverages that other carriers do, plus 24-hour roadside assistance and claims service. The company’s motorcycle insurance also has a number of discounts for those who pass a safety course, insure more than one bike and for riders who remain claim-free. Best for the Motorcycle Enthusiast: Dairyland Some motorcyclists eat, breath and live to ride. For those who are true motorcycle enthusiasts and spend a lot of time on their bike, Dairyland is an insurer that shares that passion. The Wisconsin-based insurance company has been selling it’s Dairyland Cycle policy since 1966 and specializes in covering cars and bikes – which could prove to be especially useful when working with their claims adjusters. Dairyland motorcycle insurance includes the standard suite of coverages, as well as others. The company’s policies include “Excursion Diversion” coverage, which ensures a rider is covered if they are farther than 100 miles from home. It also covers expenses such as food, lodging, any lost deposits and transportation and towing costs. Roadside assistance is another coverage included in Dairyland policies and provides toll-free 24-hour towing and services, such as battery failure and fuel delivery. Rental reimbursement coverage is also a part of Dairyland motorcycle insurance policies. It pays for eligible travel expenses if your bike is your only mode of transportation and in the shop. Riders who are Harley Owners Group (H.O.G.) members get a discount on Dairyland motorcycle insurance policies, as well those who are members from a long list of others. Dairyland also offers a discount on premiums to policyholders who stay with the company when they replace the current or buy another bike.

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