tag:blogger.com,1999:blog-50863857712535403232024-03-14T03:12:56.641-07:00Mortgage refinance checklists - Online Home, Life, Auto Insurance QuotesUnknownnoreply@blogger.comBlogger67125tag:blogger.com,1999:blog-5086385771253540323.post-15656306658215908232014-09-25T01:57:00.003-07:002014-09-25T01:57:58.269-07:00Health Insurance: All prescription drug coverage is not alike<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiorDKw5seBL5XpqEnL6G3_y_qcjMpjVKC9ga7SuQCL1jqPUZgaq_wWlhHsLG7gcwI1YCLJarHGw8KPmDprH7-bV2df2YZPihyphenhyphenACiuvYdjqprrfVDqQ2GEZf8AS20q7KInvSOVuQ6y-4j8v/s1600/Health+Insurance+All+prescription+drug+coverage+is+not+alike.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Health Insurance: All prescription drug coverage is not alike" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiorDKw5seBL5XpqEnL6G3_y_qcjMpjVKC9ga7SuQCL1jqPUZgaq_wWlhHsLG7gcwI1YCLJarHGw8KPmDprH7-bV2df2YZPihyphenhyphenACiuvYdjqprrfVDqQ2GEZf8AS20q7KInvSOVuQ6y-4j8v/s1600/Health+Insurance+All+prescription+drug+coverage+is+not+alike.jpg" height="180" title="Health Insurance: All prescription drug coverage is not alike" width="320" /></a></div>
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Not only are health insurance plans likely to vary on their approach to costs, but they also use different procedures to determine whether they’ll cover your prescription drugs, a new study shows.</div>
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Some health plans employ internal teams to make these decisions, while others assign the task to outside consultants, according to the study, sponsored by the National Pharmaceutical Council and conducted by research firm RTI International. Health plans also differ in what type of information they use to make these decisions. For example, one plan might place more weight on peer-reviewed studies about a prescription drugto determine whether it'll be covered, while another might rely more heavily on the plan’s internal data, such as the treatment outcomes of other plan members. </div>
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Consumers should also take comfort in the fact that health plans look to an array of expert sources when it comes to evaluating drugs for specific conditions, says Susan Pisano, a spokeswoman for America’s Health Insurance Plans, a trade association for the health insurance industry. For example, a plan might tap the National Comprehensive Cancer Network Drugs & Biologics Compendium for guidance about a cancer drug, Pisano says. </div>
<strong style="background-color: white; font-family: Verdana;"><span style="color: orange;">A variety of approaches</span></strong><br />
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The study examined 26 health plans. Most of them use medical directors and pharmacy directors as key members of the decision-making team, as well as specialists for certain conditions. “If a health plan were evaluating a new drug for rheumatoid arthritis, they would often bring in a rheumatologist to give expert input into how that drug compares to other drugs,” Halpern says.</div>
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All of the plans that participated in the study noted that a drug’s effectiveness was the most important factor in figuring out whether it would be covered.</div>
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However, that’s where the similarities end. Large health insurance companies typically spend more time and resources in the assessment process. They also are more likely to run the entire process internally, while smaller health plans are more likely to outsource the work to pharmacy benefits companies.</div>
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Cost also plays a role in the decision-making. Many plan providers place more expensive drugs on a higher tier, which means consumers will pay higher out-of-pocket expenses for them. However, some plans measure a drug’s effectiveness over time so that a drug that’s on a high tier may be re-evaluated and found to be more effective than alternatives. As a result, it may be put on a lower tier, making it less expensive for consumers.</div>
<strong style="background-color: white; font-family: Verdana;"><span style="color: orange;">A case for empowerment</span></strong><br />
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While the health plans that participated in the study were not named, consumers can take steps to become aware of a plan's rules regarding drug coverage.<br />Consumers should look for transparency, says Jennifer Graff, the National Pharmaceutical Council's director of comparative effectiveness research. If a plan doesn’t post information about its decision-making process on its website, consumers can ask such questions as:</div>
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<li style="line-height: 1.5em;">What type of evidence is used to determine the effectiveness of a particular drug?</li>
<li style="line-height: 1.5em;">Who makes the decisions about whether a particular drug is covered?</li>
<li style="line-height: 1.5em;">How long after a drug is approved by the U.S. Food and Drug Administration is it reviewed by the health plan?</li>
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A good time to ask these questions is during open enrollment, when members can make changes to their health plans, particularly if an employer offers more than one health plan, Graff says.</div>
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Even if a drug isn't covered by an insurance plan or is considered too costly, consumers have options. They can look for assistance from co-pay assistance programs. For example, the Patient Advocate Foundation offers co-pay help to patients with chronic, life-threatening or crippling diseases.</div>
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Also, health plans typically offer generic drugs as an alternative to costlier brand-name drugs, Pisano says. In those cases, the generic drugs have undergone the same scrutiny as their more expensive counterparts, she says.</div>
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The bottom line: Consumers should take an active role in all facets of <a href="https://www.blogger.com/null" id="_GoBack" name="_GoBack"></a>how their health care is managed.</div>
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<em style="font-size: 12px;">By Tamara E. Holmes, InsWeb.com</em></div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-91171667667675684662014-09-25T01:45:00.002-07:002014-10-03T08:20:42.776-07:00Medical marijuana: Insurance and other questions<div dir="ltr" style="text-align: left;" trbidi="on">
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What was once considered an illicit street drug is quickly becoming a popular medicine across the U.S., raising questions about access and health insurance coverage.</div>
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Marijuana is now legal for medicinal use in 23 states and the District of Columbia, less than 20 years after California became the first state with such a law. But despite the rapid acceptance of medical marijuana, strict federal penalties remain for those caught possessing, selling or using pot.</div>
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"Although we've seen widespread adoption of medical marijuana and a real shift in how people think about this issue, we don't have one clear set of nationwide laws that medical marijuana patients and their doctors can easily follow," says Kris Hermes, a spokesman for Americans for Safe Access, a medical marijuana advocacy group.</div>
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People closely involved with the medical marijuana issue say the legal disparities have left bewildered consumers asking many questions, including the ones that follow.</div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-70670350478579696142014-09-25T00:49:00.000-07:002014-10-03T08:19:53.981-07:00Home Insurance<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="color: orange; font-size: large;">Home Insurance Learning Center</span></b></div>
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InsWeb's Home Insurance Learning Center provides you with everything you need to know about <strong>home insurance</strong>. Browse through InsWeb's home insurance articles and learn how to shop around, save money, and find the right policy to protect your investment.<br />
<strong>How Do I Shop for Home Insurance?</strong>InsWeb has made shopping for home insurance quick and easy. To request <strong>free home insurance quotes online</strong>:<br />
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<li style="line-height: 1.5em; padding-bottom: 3px;">Click on the “Get Quotes” graphic to the upper right and enter your ZIP Code.</li>
<li style="line-height: 1.5em; padding-bottom: 3px;">Provide some information about your home's location and structure, as well as your desired coverage levels.</li>
<li style="line-height: 1.5em; padding-bottom: 3px;">Get ready to compare home insurance quotes from leading national home insurance companies!</li>
</ol>
<strong>How Do I Save on Home Insurance?</strong>In InsWeb's Home Insurance Learning Center you'll find all kinds of home insurance information that will help you reduce your home insurance rates. In the articles to the right you'll learn what to look for when comparing home insurance quotes. You'll also find quick and easy ways to cut your premiums, including:<br />
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<li style="line-height: 1.5em; padding-bottom: 3px;">Increasing your deductible</li>
<li style="line-height: 1.5em; padding-bottom: 3px;">Installing a home security system</li>
<li style="line-height: 1.5em; padding-bottom: 3px;">Reviewing your home's replacement cost</li>
</ul>
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<strong>What Kind of Home Insurance Do I Need?</strong>There are many types of home insurance—what's right for you will depend upon your individual circumstances. Is your home in a flood plain? Do you have a swimming pool or a trampoline? Factors such as these impact your coverage needs as well as what you will pay for home insurance.<br />
Take a look at the articles to the lower right—you'll find the<strong>home insurance information</strong> you need to make sure your home is properly protected.</div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-70201861539319276922014-09-25T00:43:00.004-07:002014-10-03T08:23:10.976-07:00Top 25 Insurance Companies<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuEnytVkeex4nKmPbVbBEM4EmCwSbhVfR9D4tcNaN0vKohd839fyCnUWyu8KqkQ9Pkx2dPrZLbHNMgM8erAdEwB1BHtEKcUFq7SZB3QWDEGcXwgl007UqrAhd2BuJsitiHPM-mQcSR45OT/s1600/Top+25+Insurance+Companies.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Top 25 Companies" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuEnytVkeex4nKmPbVbBEM4EmCwSbhVfR9D4tcNaN0vKohd839fyCnUWyu8KqkQ9Pkx2dPrZLbHNMgM8erAdEwB1BHtEKcUFq7SZB3QWDEGcXwgl007UqrAhd2BuJsitiHPM-mQcSR45OT/s1600/Top+25+Insurance+Companies.jpg" title="Top 25 Companies" /></a><span style="background-color: white; font-family: Verdana; font-size: 12px;"><br /></span><br />
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<span style="background-color: white; font-family: Verdana; font-size: 12px;">Below you'll find a list of the largest U.S. property and casualty insurers as measured by </span>net premiums written<span style="background-color: white; font-family: Verdana; font-size: 12px;"> and reported by </span>A.M. Best<span style="background-color: white; font-family: Verdana; font-size: 12px;">.</span></div>
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<tr style="margin: 0px; padding: 0px;"><th scope="col" style="background: rgb(27, 60, 66); color: white; padding: 5px 10px; text-align: center;">Ranking</th><th scope="col" style="background: rgb(27, 60, 66); color: white; padding: 5px 10px; text-align: center;">Insurance<br />
Company</th><th scope="col" style="background: rgb(27, 60, 66); color: white; padding: 5px 10px; text-align: center;">Net Premiums<br />
Written</th></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">1</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">State Farm Group</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$50,808,635</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">2</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Allstate Insurance Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$24,796,256</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">3</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Liberty Mutual Insurance Cos.</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$21,483,996</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">4</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Berkshire Hathaway Insurance (includes Geico)</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$21,358316</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">5</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Travelers Group</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$20,594,458</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">6</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">American International Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$19,687,720</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">7</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Nationwide Group</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$14,489,531</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">8</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Progressive Insurance Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$14,476,676</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">9</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Farmers Insurance Group</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$14,129,512</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">10</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">USAA Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$10,679,414</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">11</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Hartford Insurance Group</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$9,688,760</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">12</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Chubb Group of Insurance Cos.</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$8,927,736</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">13</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">CNA Insurance Cos.</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$6,188,618</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">14</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">American Familiy Insurance Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$5,324, 290</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">15</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Aliianz of America</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$4,666,301</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">16</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Auto-Owners Insurance Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$4,485,442</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">17</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Munich-American Holding Corp.</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$4,413,834</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">18</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Zurich Finanical Services NA Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$4,400,123</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">19</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Erie Insurance Group</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$4,019,273</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">20</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Ace INA Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$3,705,475</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">21</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Transatlantic Holdings Inc. Group</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$3,408,020</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">22</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">W.R. Berkley Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$3,392,330</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">23</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">The Hanover Insurance Group Property & Casualty Cos.</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$3,053,508</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">24</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">MetLife Auto and Home Group</td><td class="rowBlue" style="background: rgb(232, 248, 255); border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$2,983,236</td></tr>
<tr style="margin: 0px; padding: 0px;"><td class="rowTitle" style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; font-weight: bold; margin: 0px; padding: 5px 5px 5px 10px;">25</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">Cincinnati Insurance Cos.</td><td style="border-top-color: rgb(206, 206, 206); border-top-style: solid; border-top-width: 1px; margin: 0px; padding: 5px; text-align: center;">$2,965,462</td></tr>
</tbody></table>
</div>
</div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-29989978055722826582014-09-24T07:34:00.003-07:002014-10-03T08:24:27.818-07:00Compare business car insurance quotes<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: orange;">Business car insurance explained</span></h2>
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A standard car insurance policy covers your car for so-called social, domestic and personal use, which includes everyday driving such as visiting friends, the shops or a day out.</div>
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Many policies also automatically cover your car if you commute to and from a regular place of work. So, if you drive the car to the same office every day, or park in the same station car park, you would be insured.</div>
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But what if you drive to several different offices or work sites? Perhaps a colleague regularly takes your car to visit clients. Or maybe you drive hundreds of miles a week for business purposes. If so, you will almost certainly need business car insurance. It is often more expensive than standard motor insurance, but it is important to get the right cover for your needs.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjbMCTgh8cPbDYHfH0Xfdb5NoYvxjEGC7cUohXMMbNw3w4g_CugTryaQc8LnlvCo20IYJVKOhh-6SflTPtxciFjnnz2PdaTl0DEDjW-HYJWMjRYaGkxC_OrH1TlU3OhHqbyOXW72k7fx9Il/s1600/car-insurance-guides-button.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Compare business car quotes" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjbMCTgh8cPbDYHfH0Xfdb5NoYvxjEGC7cUohXMMbNw3w4g_CugTryaQc8LnlvCo20IYJVKOhh-6SflTPtxciFjnnz2PdaTl0DEDjW-HYJWMjRYaGkxC_OrH1TlU3OhHqbyOXW72k7fx9Il/s1600/car-insurance-guides-button.png" height="78" title="Compare business car quotes" width="320" /></a></div>
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<span style="color: orange;">Higher premiums</span></h2>
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Business car insurance is typically more expensive than standard cover because a motorist who drives a vehicle for business as well as pleasure is deemed more risky. They will usually cover more miles, sometimes in heavy traffic and on unfamiliar roads. The chances of a claim therefore increase.</div>
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Don't be tempted to lie in an attempt to bring down the cost of insurance. When you apply for business car insurance quotes, the insurer will ask the usual questions about your age, postcode, and the make and model of the car. But you will also have to give details about your business and when and why you drive the vehicle for work. If you are dishonest, you are committing an offence and it could invalidate your policy. Your insurance would not then pay out in the event of a claim.</div>
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<span style="color: orange;">Different classes of business car insurance</span></h2>
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There are different classes of business car insurance cover, though the details can differ between insurers so you should always check the terms and conditions carefully. For example, if you commute to work in your car, make sure it is covered under the definition of social domestic and pleasure, or you will need to arrange additional cover.</div>
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You will probably need class 1 business use if you drive your car to multiple sites or offices, as well as your usual place of work. Most insurers also include a spouse on this type of policy, but would not insure the car for business use for any other named driver.</div>
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The next level of business car insurance generally covers the policyholder and a named driver who uses the car to travel between different sites. Someone who travels extensively in the car for work will almost certainly need class 3 business use.</div>
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<span style="color: orange;">Commercial car insurance</span></h2>
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Business car insurance is not the same as commercial car insurance, which is aimed primarily at motorists who use their car for commercial purposes such as a taxi or to make deliveries. Again, it is important to remember that the definitions of the different classes differ between insurers.<br />
A car used for business is also not the same as a company car. If you drive a company car, it should be insured by the company that owns or leases the vehicle.</div>
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<span style="color: orange;">Find cheap business car insurance quotes</span></h2>
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Motorists usually pay more for business car insurance so it is especially important to try to keep costs down. One way to save money is to compare quotes from a number of different insurers - and it's easy with MoneySupermarket's online car insurance comparison service.<br />
Motorists can also choose their vehicle with care. Insurers place cars in one of 50 groups - and cars in group one tend to be the cheapest to insure.</div>
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Security is another important factor as a secure car is less likely to be stolen. You can often reduce your premium if you fit an approved alarm and immobiliser - and keep your car in a locked garage overnight.</div>
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Insurers reward careful drivers with lower premiums, so try not to claim unless the damage is serious. You can then build up a no claims discount and potentially cut the cost of cover by as much as 75%.</div>
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No one wants to pay over the odds for business car insurance but it is also important to remember that the cheapest policy is not always the best. You might, for example, want to pay a litle bit extra for more extensive cover.</div>
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<span style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 18px;">By </span><a href="http://www.moneysupermarket.com/authors/mark-hooson.aspx" rel="author" style="background-color: white; color: #065486; font-family: Arial, sans-serif; font-size: 12px; line-height: 18px;" title="Mark Hooson">Mark Hooson</a></div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-29520011423478419712014-09-23T00:35:00.003-07:002014-10-03T08:27:44.376-07:005 Questions to Ask Before You Refinance Your Mortgage<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDxLsFEejJCsYkvShzEBxMlM-pNeXOaKlffePHb7DQxnngxWwU8tgPEHhMcj6khAEYUgqvKB6KLU2ai-7358EMF6gtd0ToKqIA8NpbtCuLcWq8au2zU98O6_snN74VxdaLV1758JiFAUWO/s1600/5+Questions+to+Ask+Before+You+Refinance+Your+Mortgage.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="5 Questions to Ask Before You Refinance Your Mortgage" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDxLsFEejJCsYkvShzEBxMlM-pNeXOaKlffePHb7DQxnngxWwU8tgPEHhMcj6khAEYUgqvKB6KLU2ai-7358EMF6gtd0ToKqIA8NpbtCuLcWq8au2zU98O6_snN74VxdaLV1758JiFAUWO/s1600/5+Questions+to+Ask+Before+You+Refinance+Your+Mortgage.jpg" title="5 Questions to Ask Before You Refinance Your Mortgage" /></a></div>
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Homeowners typically refinance their mortgages to save money, but it doesn’t always work out that way. If you’re not sure that you’re getting the best deal, that your home will appraise <span class="GINGER_SOFTWARE_mark" id="79491299-9ed3-4e77-a347-c335d557410b" style="box-sizing: border-box;">highly</span>, or if you’ll even qualify, you may end up wasting time and money.</div>
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Ask yourself these questions before you consider refinancing:</div>
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<strong style="box-sizing: border-box;"><span style="color: orange;">Will You Qualify?</span></strong></div>
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Requirements to qualify for refinancing can be just as tough as getting an original loan. Have you recently gotten a new job, a raise, or an additional source of income? Then “it’s a good time to be aggressive,” according to Gloria Shulman, a California-based mortgage broker and founder of Centek Capital.</div>
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However, if your income is unstable or you’re about to get a promotion with a raise, you might get better terms if you wait to refinance.</div>
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<strong style="box-sizing: border-box;"><span style="color: orange;">Is Your Home Ready?</span></strong></div>
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Before you can refinance, you’ll have to get your home appraised. If your home isn’t in great shape before the appraisal, you could see a “low-ball” estimate that might force you to pay thousands in closing costs, Shulman said. “Problems like a small crack in a pool or a leaning fence can sometimes kill the entire application.”</div>
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Before you start filling out applications, “approach refinancing as you would a sale and make your house look great.” Fix any small problems around your house, clean up your space and make your home shine for the appraisal.</div>
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<strong style="box-sizing: border-box;"><span style="color: orange;">When Will You Break Even?</span></strong></div>
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When considering refinancing many homeowners simply subtract the monthly refinanced payment from their current monthly payment to see how much they’ll save. While this is a good indicator of the kind of monthly savings you can expect, it isn’t the whole story.</div>
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When you refinance, you’ll pay a number of different costs such as appraisal fees, application and loan origination fees, attorney fees, title insurance and underwriting costs. All of these fees will add to the total cost of your mortgage. As a result, it may take a while before you break even on the deal.</div>
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For example, say you’ll save $150 a month by refinancing. If it costs you $3,500 to refinance your mortgage, it would take you about two years to break even. If you sell your home before you break even, refinancing may not have been worth it.</div>
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<strong style="box-sizing: border-box;"><span style="color: orange;">Are You Getting the Best Deal?</span></strong></div>
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The lender with the lowest rate may not be offering the best deal. “Less reputable lenders occasionally try to sneak in extra fees as part of the principal,” Shulman said. She recommends dealing with a “local, reputable source who knows your area. If you think the lender is tacking on unnecessary fees, ‘shut down the deal right away,” Shulman said.</div>
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<strong style="box-sizing: border-box;"><span style="color: orange;">Are You Underwater?</span></strong></div>
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If you owe more on your home than it is currently worth, traditional refinancing may not be an option for you. Many lenders see underwater mortgages as too high a risk to offer refinancing. However, you may still have options through the government-backed Home Affordable Modification Program. Under HAMP you can refinance your underwater mortgage into a mortgage with a lower monthly payment. If you’re underwater and need to refinance, talk to your lender or contact a housing specialist through the government-sponsored Homeowner’s HOPE hotline.</div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-89763259946177152232014-09-23T00:31:00.001-07:002014-09-23T00:31:35.129-07:00When and How to Refinance<div dir="ltr" style="text-align: left;" trbidi="on">
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Whether you’ve been a homeowner for a few years or more than a decade, you may consider refinancing your home loan when mortgage rates dip. If you’ve never refinanced before, there are a few basic facts you need to know before you can decide if it’s right for you.</div>
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<span style="color: orange; font-size: small;">Refinancing Basics</span></h2>
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You may be thinking since you’ve faithfully made all your mortgage payments on time and your income has even increased a bit since you applied for the loan, refinancing should be a breeze.</div>
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But when you’re refinancing, you’re applying for a <em style="box-sizing: border-box;">new</em> loan. And whether you use the same lender or another lender, you’ll be subject to complete documentation and verification of your income, your assets, your debt-to-income ratio, your credit profile and your job history. Not only do you have to qualify for the loan, but your house must appraise for enough value to support the loan.</div>
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Refinancing also costs money: closing costs vary by location but average 2% to 3%, or $4,000 to $6,000 on a $200,000 loan. Even a “no-cost” refinance costs money you pay through a higher interest rate, a larger loan balance or the payment of discount points.</div>
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If you’re refinancing to lower your payments, you can do a simple calculation to determine how long it will take you to recoup the closing costs on your loan. For example, if your refinance costs $2000 and your monthly savings are $150 per month, it will take you a little over 13 months before you’ve recouped your costs and truly are saving money.</div>
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<span style="color: orange; font-size: small;">Refinancing Goals</span></h2>
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Your decision to refinance or not should be made in the context of your overall financial plan. Most people want to refinance when interest rates are low, so they can pay less in interest and lower their monthly payments. Some borrowers also want to refinance an adjustable rate mortgage (ARM) into a fixed-rate loan before rates rise faster.</div>
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Others refinance when their equity has risen and they want to take cash out of the property to make home improvements or pay off high-interest credit card debt.</div>
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Refinancing can also be a good choice if you want to reduce your loan term from a 30-year loan to a 10-, 15- or 20-year loan in order to pay it off in full faster—although even with lower rates, your payments are likely to be higher because of the shorter timeframe to repay the loan.</div>
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<span style="color: orange; font-size: small;">Loan Terms and Refinancing</span></h2>
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If you’re currently financing your home purchase with a 30-year, fixed-rate loan, you should carefully evaluate your payments and your options for refinancing into a shorter term or into another 30-year loan. Typically, it doesn’t make a lot of sense to refinance early in your loan, because initially your payments are mostly interest—and you won’t have paid down the principal balance.</div>
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If you’ve been paying your loan for seven or eight years, your loan balance will be lower. If your goal is to lower your monthly payments, you’ll benefit by both lower mortgage rates and financing a smaller amount of money. However, by extending the loan term for another 30 years, you may end up paying more in interest over the life of the loan, since you’re essentially paying interest on the house for 37 or 38 years instead of the original 30-year term.</div>
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If you want to pay off your loan faster, you should compare the payments on a shorter term loan to see if you can comfortably afford the payments. Interest rates are lower on shorter term loans, which can offset the accelerated payoff pace.</div>
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<span style="color: orange; font-size: small;">Refinancing and Future Plans</span></h2>
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Refinancing makes the most sense if you plan to stay in your home for a few years, because if you’re selling soon, you may not recoup the cost of the refinance. However, there are always exceptions to the rule, so if you know you’ll sell in three years, for example, a refinance into an ARM with a low, fixed interest rate for five years could be a smart decision.</div>
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Always make sure to consult a lender to discuss refinancing in the context of your individual financial plan.</div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-40138849539172222642014-09-23T00:25:00.001-07:002014-09-23T00:25:46.855-07:00Understand Your Credit<div dir="ltr" style="text-align: left;" trbidi="on">
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Thinking about buying a house? Then think about your credit history...the folks who lend money do!</div>
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How well you have handled your credit obligations in the past is of utmost importance to lenders today. The good news is that this information, for the most part, is available to you.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWXx-iFbCLzU721YlRERRPVoTEMoRHCsJCKiSh_bw53leG4Ln4rTF0NIqzRgTnvipszQUPfjvU9KYv8ToIgOGsf0XTomet70gVTIgymnOXIuY1p1FAYzIPY5zDI_3giead7LVfwTRNyZ7L/s1600/Understand+Your+Credit.jpg" imageanchor="1" style="background-color: transparent; clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Understand Your Credit" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWXx-iFbCLzU721YlRERRPVoTEMoRHCsJCKiSh_bw53leG4Ln4rTF0NIqzRgTnvipszQUPfjvU9KYv8ToIgOGsf0XTomet70gVTIgymnOXIuY1p1FAYzIPY5zDI_3giead7LVfwTRNyZ7L/s1600/Understand+Your+Credit.jpg" title="Understand Your Credit" /></a>Your credit history is maintained by three different private companies called credit reporting agencies: Equifax, TransUnion and Experian. You can order your report by phone and charge it to your major credit card if you like. It usually takes about a week to arrive. Or you can order your report online and view it within seconds.</div>
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It's a good idea to get a copy of all three reports, because if an error exists on even one of the reports, it may negatively affect your chances of getting the loan you want. Your credit report lists all the consumer credit that has been extended to you over the past seven years. It will show what your highest balance has been and what your current balance was on the date last reported by the creditor. It will also show how many payments you made on time and how many late payments were late. Late payments are grouped into categories showing how late you were. For example, if your credit card payment was over 30 days late one time, it might not be considered too serious. But if payments were over 60 days late four times, over 120 days late two times and over 180 days late one time, you have had a serious problem. That problem is going to impact your ability to borrow money.</div>
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It just makes sense to find out about your credit and correct any errors now. Regardless of how many credit problems you have had in the past, there are two good points to remember.</div>
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First, negative credit information can be reported in your credit file for only seven years. After that, it drops out and cannot even be considered. The one exception is bankruptcy, which can be reported for 10 years. But after that you start with essentially a clean slate.</div>
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Second, lenders are much more concerned about how you have handled your credit recently than with what happened several years ago. Even if you have had a bankruptcy, if you have kept your nose clean and paid your bills on time since then, it is possible you could qualify for a loan after as little as two or three years.</div>
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One of the best developments in the world of lending has been risk-based pricing. That's a five dollar term for the ability of lenders to offer higher priced loans to borrowers based on their demonstrated ability to repay. In other words, even if you have slightly fractured credit, you can still likely get a loan. It just may cost you a little more.</div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-21813214803179504422014-09-23T00:22:00.000-07:002014-09-23T00:22:09.603-07:00Repairing Bad Credit: Three Essential Steps to Take<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0JkH3nmxx8FxOSpil3mEeoNRT5g4jDoI1YcPXGVMOUALsygcqkmY1ZLmMz9z1GxYyh7vLNolKFT3SRZJDPGX_Oh7GiaVFKQieqipZ9YHGyX7dSkpaL-7HYlIlh_6jk9I3XWegk0rGPvvc/s1600/couplewithbills-300x198.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Repairing Bad Credit: Three Essential Steps to Take" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0JkH3nmxx8FxOSpil3mEeoNRT5g4jDoI1YcPXGVMOUALsygcqkmY1ZLmMz9z1GxYyh7vLNolKFT3SRZJDPGX_Oh7GiaVFKQieqipZ9YHGyX7dSkpaL-7HYlIlh_6jk9I3XWegk0rGPvvc/s1600/couplewithbills-300x198.jpg" title="Repairing Bad Credit: Three Essential Steps to Take" /></a>Having bad credit is scary and disheartening, especially if you are trying to buy a home, but it doesn’t have to be a life sentence. Many credit problems can be fixed with time and diligence. When trying to repair your credit it can be tempting to want to opt for a quick fix but the best approach is often a reasonable and methodical one. The good news is that in many cases you can repair your credit on your own.</div>
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<strong style="box-sizing: border-box;"><span style="color: orange;">Assess the Situation</span></strong></div>
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You don’t know what you need to fix until you assess the situation. Visithttp://www.annualcreditreport.com/ and obtain your credit score. This will alert you to any potential problems you may not be aware of. You can request your credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. This will keep you apprised of any situations you may need to resolve and verify that no one else has used your identity to obtain credit.</div>
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If you find inaccuracies, the Federal Trade Commission advises that you tell the credit reporting company in writing about the inaccuracies. The FTC recommends sending a letter with copies of documents that support your position and requesting that items be removed or corrected. The credit reporting companies must investigate the claim and give you the results in writing as well as a free copy of your report if there has been a change. If you request it the reporting company can also send an updated report to anyone who received it during the past six months (or the past two years for employment purposes). You can also follow up with the creditor in the same manner, providing copies of documents that prove your position. If the investigation doesn’t resolve the dispute you can request that the credit reporting agency include a statement of the dispute in your file and in future reports.</div>
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<strong style="box-sizing: border-box;"><span style="color: orange;">Pay Your Debts And Renegotiate As Needed</span></strong></div>
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Nothing delights banks and finance companies more than regular, incremental payments. If you owe more than you can reasonably pay off over time or your monthly obligation is unaffordable then it may be time to negotiate with your creditors. Creditors would rather have some payment than none at all. You may be able to negotiate partial payment of your debt. Lenders do not have a negative view of partial payment settlements because that shows that a debtor took responsibility for bad credit repair. Once your bills have been straightened out, close all unused credit accounts and keep only a couple of cards to re-establish yourself in lenders’ eyes as a responsible credit user.</div>
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<strong style="box-sizing: border-box;"><span style="color: orange;">Use Your Credit Cards but Keep Balances Low</span></strong></div>
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Having a lot of credit cards with outstanding balances can work against you and having inactive cards is also not advised. The best policy is to consolidate and have a couple of cards that you use and pay off regularly. Carrying a small amount of debt on a credit card with a large limit can work to your advantage because it shows that you can handle credit responsibilities appropriately. It’s a good way to build up your credit score. If you cannot get credit cards you could use secured credit cards to help repair your credit. You pay the credit card company up front and each time you use the card, you’ll tap into the available funds and further your credit repair.</div>
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The most important thing is to make sure you pay your bills on time each month. Consistency is key. When it comes to credit repair the most important thing you can do is just keep working at it especially if you are looking for a home. -Interview mortgage brokers and obtain recommendations on them to find the one that works best with you, advises Lee Dworshak of Keller William LA Harbor Realty. “Work with them on improving your credit. You’d be surprised on how much progress you can make in a short period of time. Once your credit is established, your new mortgage broker will be able to show you an entire suite of loan options.”</div>
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<em style="box-sizing: border-box;">John Adams contributed to this article.</em></div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-19253487665500197542014-09-16T13:19:00.001-07:002014-09-16T13:19:21.312-07:00See how much you could save on car insurance<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: orange; font-family: Times, Times New Roman, serif;"><b>How to Get a Free Car Insurance Quote in 15 Minutes or Less</b></span></h3>
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Maybe you've heard something about saving 15% or more on your car insurance. Maybe you're charmed with an eloquent little Gecko®. No matter how you found us, you're in the right place to get a fast, free, and accurate auto insurance quote online.</div>
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<b style="box-sizing: border-box;">Just answer some simple questions about:</b></div>
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<li style="box-sizing: border-box;">Yourself</li>
<li style="box-sizing: border-box;">Other drivers</li>
<li style="box-sizing: border-box;">Your car</li>
</ul>
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We will then ask you questions about possible auto insurance discounts you may qualify for that would reduce your insurance costs. In 15 minutes or less you'll have a personalized car insurance quote.</div>
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If you like what you see, you can purchase immediately and start enjoying GEICO's top-notch coverage.</div>
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Need help choosing the right car insurance?</h3>
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That's where we come in. Car insurance isn't the simplest thing to understand. Between legal requirements, optional coverage, deductible choices, and different coverage levels, it's not always easy to figure out how to choose the best auto insurance policy.</div>
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Do you need full coverage or liability only? What does this mean?</h3>
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If your car is new, leased or purchased with a loan, you'll probably need "full coverage." In case of an accident, these coverages will help protect your car and the other driver up to the limits shown on your policy.</div>
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<b style="box-sizing: border-box;">At a minimum, full coverage includes:</b></div>
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<li style="box-sizing: border-box;">The standard liability protection</li>
<li style="box-sizing: border-box;">Both collision and comprehensive coverage</li>
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Unless a third party requires full coverage (standard in many loans and leases), you can choose to carry "liability only," which typically only protects the other driver and their vehicle in case you are found at-fault for an accident. It's a good idea to make sure you could afford to replace your car out-of-pocket when considering this option.</div>
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Take a look at all of the auto insurance coverage options available from GEICO and how each one protects you.</div>
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Still deciding on what car insurance you need?</h3>
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We understand that you want the best deal and the most accurate car insurance rates. That's why GEICO will store your quote for 90 days so you won't have to start over. At GEICO, we're confident that you'll receive excellent service and affordable car insurance prices.</div>
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GEICO agents are always available to help you find the right protection and give you peace of mind. Take note of your auto insurance quote reference number that will appear on the top right when you save your quote then connect with a real person.</div>
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GEICO's teams of professionally trained agents are available 24 hours a day online and by phone at <span class="phoneNum" style="box-sizing: border-box; font-weight: bold; white-space: nowrap;">1-800-947-2886 (AUTO)</span>.</div>
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Once you purchase your auto insurance policy, you can sign up for instant, round-the-clock access to your policy.</div>
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Are you ready to save on your auto insurance? Go ahead, get a car insurance quote. You've got nothing to lose, and a lot to save!</div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-35373042378107033922014-09-16T13:02:00.001-07:002014-09-16T13:02:10.968-07:00How to Compare Car Insurance<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: orange;">There's More to Car Insurance than the Dollar Amount</span></h2>
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<img alt="Compare Auto Insurance" height="135" src="http://public.libertymutual-cdn.com/MediaBin/PersonalMarket/SharedImages/how_to_compare_car_insurance.jpg?version=6571361A-A63D-4646-BD7B-236FED34A879" style="border: 0px; float: left; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px 10px 15px 0px; padding: 0px; vertical-align: baseline;" title="How to Compare Car Insurance" width="154" /></div>
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<span style="font-weight: inherit;">When comparing </span><b>car insurance quotes online</b><span style="font-weight: inherit;">, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Here are some things to be looking for when you compare car insurance quotes:</span></div>
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<strong>Ensure Coverages, Limits and Deductible Amounts are<br />the Same</strong><br />Higher coverages and limits, as well as lower deductibles, will raise the premium you pay. At the same time, lower coverages and limits and higher deductibles will lower your premium.</div>
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<span style="font-weight: inherit;">Use the limits listed on your current policy, or use our </span><b>Auto Insurance Coverage Calculatorto </b><span style="font-weight: inherit;">select the amounts you'll use to compare car insurance rates.</span></div>
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<strong>Know What Coverage You're Getting</strong><br />Auto insurance policies have a number of components. When you compare car insurance it's a good idea to be familiar with concepts such as:</div>
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<span style="font-weight: inherit;">Before you compare car insurance quotes, learn more about </span><b>Auto Insurance Coverages</b></div>
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<strong>Know What Policy Features are Included</strong><br />When Liberty Mutual provides you with a car insurance quote, we list all coverages and features of the policy so that you know exactly what's included in your quote, and which items may have an additional cost, such as towing or car rental coverages.</div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-23452542952443254632014-09-16T12:59:00.005-07:002014-09-16T12:59:47.947-07:00Car Insurance Quotes<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit;">Whether you've just bought a new car, are looking to change insurance carriers or are simply shopping around, getting an online insurance quote from Liberty Mutual is secure, </span></div>
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<span style="color: #333333;">quick and easy.</span><br /><br /><b><span style="color: orange;">What Information Will I Need?</span></b><br /><span style="color: #333333;">Your time is important, and we'll try to get you through the quote process as quickly as possible. In many cases we can fill your vehicle information in automatically based on public records, but to make things easier, it's best if you have the following information nearby:</span><br /><br /><ul style="border: 0px; color: #333333; font-family: inherit; font-style: inherit; font-weight: inherit; list-style: disc outside none; margin: -3px 20px 21px 32px; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;">Your current policy (if you have one)</li>
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;">Driving record information for all drivers you'd like included on your policy.</li>
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;">Driver's license number(s)</li>
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;">Your car's make, model and year, as well as its Vehicle Identification<br />Number (VIN)</li>
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;">The odometer reading for each car you'd like an insurance quote for</li>
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;">The location where your vehicles are typically parked</li>
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<b><span style="color: orange;">What Factors Will Affect My Rate?</span></b><br /><span style="color: #333333;">When you request an auto insurance quote online, there are three major factors when your rate is calculated:</span><br /><br /><ul style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; list-style: disc outside none; margin: -3px 20px 21px 32px; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;"><b><span style="color: orange;">Your Vehicle:</span></b><span style="color: #333333;"> The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle's safety features can help lower your auto insurance quote, as can how often you drive the car, and what type of driving it's used for (business or personal).</span></li>
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;"><b><span style="color: orange;">Your Address:</span></b><span style="color: #333333;"> Where you live and park your vehicle will affect your auto insurance quote.</span></li>
<li style="border: 0px; clear: both; font-family: inherit; font-size: 1em; font-style: inherit; font-weight: inherit; list-style: square outside none; margin: 0px 20px 5px 0px; padding: 0px; vertical-align: baseline;"><b><span style="color: orange;">Your Driving Record</span></b><span style="color: #333333;"> - Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.</span></li>
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<span style="color: #333333;">If you already have a car insurance policy and are comparing new car insurance quotes to determine what is best for you, make sure that you are comparing similar coverage, limits and deductible amounts. In most cases Liberty Mutual can provide multiple car insurance quotes, any of which can be customized to meet your car insurance needs.</span></div>
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<b><span style="color: orange;">What Coverage is Best for Me?</span></b><br /><span style="color: #333333;">If you're not sure what type of coverage you need, try using our Auto Insurance Coverage Calculator. This easy-to-use tool lets you review different levels of auto insurance coverage to help you determine what best fits your needs.</span><br /><br /><b><span style="color: orange;">What if I Need to Talk to Someone?</span></b><br /><span style="color: #333333;">If you need help during the online quote process, we have an extensive online help center, as well as a real-time chat feature. But of course you can also always give us a call or contact a Local Agent to get the same great insurance quote experience.</span></div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-85272420479253244692014-09-15T15:19:00.001-07:002014-09-15T15:19:22.365-07:00 Listing car insurance companies Canada<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The following are the most popular articles about </span><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">Listing car insurance companies Canada</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">Current Insurance Carriers</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
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<li style="color: dimgrey;">BMO Insurance Part of BMO Financial Group.</li>
<li style="color: dimgrey;">Desjardins Group Desjardins Financial Security Life Assurance Company is the life and health insurance arm of Desjardins Group. Desjardins is the 6th largest financial institution in Canada, smaller only to the major 5 banks.</li>
<li style="color: dimgrey;">Equitable Life of Canada</li>
<li style="color: dimgrey;">Industrial Alliance</li>
<li style="color: dimgrey;">Blue Cross</li>
<li style="color: dimgrey;">Allstate Insurance Company of Canada Canadian subsidiary of US parent company.</li>
<li style="color: dimgrey;">Assumption Life based in Moncton, NB, Assumption Mutual Life Insurance Company, doing business under the name Assumption Life, offers: life insurance, critical illness insurance, financial services and investment solutions, commercial and individual mortgage loans, group benefit plans, individual pension plans and more. This mutual life insurance company have been in business since 1903 and is recognized as one of the top places to work for in Atlantic Canada.</li>
<li style="color: dimgrey;">Aviva Canada Aviva Canada is the second largest Property & Casualty Insurer in Canada with a market share of 8.7% and Gross Written Premium (GWP) of $3.155B</li>
<li style="color: dimgrey;">Independent Order of Foresters</li>
<li style="color: dimgrey;">The Co-operators: Largest Canadian-owned insurance business in Canada.</li>
<li style="color: dimgrey;">National Bank Insurance National Bank General Insurance is a Property & Casualty insurance firm that provides automobile and home insurance services directly to Quebec residents under the National Bank Insurance banner.</li>
<li style="color: dimgrey;">Dominion of Canada General Insurance Company The Dominion of Canada General Insurance Company, commonly shortened to The Dominion, has been in operation since 1887. It was founded by Canada's first Prime Minister Sir John A. Macdonald. Not only is it one of Canada's oldest insurance companies, it is also one of the largest. It is the only company legally licenced to use the Canadian coat of arms in its logo and affiliated material. The company has offices across Canada and is headquartered in Toronto.</li>
<li style="color: dimgrey;">Economical Insurance Founded in 1871, economical Insurance is one of the largest property and casualty insurance companies in Canada, providing home, automobile and commercial insurance products to over one million policyholders across Canada. Its head office is located in Waterloo, Ontario, with 17 branches and member companies across the continent providing service to policyholders and brokers. In Canada, economical partners with approximately 900 independent insurance brokers who work with customers to assess their insurance needs and choose the right products and coverage.</li>
<li style="color: dimgrey;">Empire Life The Empire Life Insurance Company (Empire Life) offers a full range of financial products and services - including personal life insurance, critical illness coverage, investment options, group life and health benefits and group RSP plans. Head Office is located in Kingston, Ontario, Canada.</li>
<li style="color: dimgrey;">FaithLife Financial</li>
<li style="color: dimgrey;">Federated Insurance Company of Canada Niche insurer specializing in property and casualty insurance for contractors, auto dealers, and equipment dealers.</li>
<li style="color: dimgrey;">Gore Mutual Insurance Company</li>
<li style="color: dimgrey;">Great American Insurance Company Niche property casualty insurer specializing in Inland Marine, Property, Employment Practices Liability and other products.</li>
<li style="color: dimgrey;">The Guarantee Company of North America Founded in 1872, the first Canadian company to offer fidelity bonds and the largest and oldest Independent Canadian Owned Insurance Company. Offers construction and miscellaneous surety and specialized insurance products (Director's and Officers Liability, Fidelity Insurance and Personal Lines for High Assets individuals.</li>
<li style="color: dimgrey;">The Great-West Life Assurance Company is a life and health insurance company and was founded in 1891 in Winnipeg, Manitoba. Great-West Life is currently owned by Great-West Lifeco, which is itself a joint-stock corporation traded on the Toronto Stock Exchange (TSX:GWO). Great-West Lifeco also owns the London Life Insurance Company, the Canada Life Assurance Company, and Great-West Life & Annuity Insurance Company and is the largest insurance provider in Canada. The majority owner of Great-West Lifeco is the Power Corporation of Canada who administer Great-West through the Power Financial Corporation.</li>
<li style="color: dimgrey;">Insurance Corporation of British Columbia</li>
<li style="color: dimgrey;">InsuranceHotline - online insurance rate comparison service that directs consumers to insurance companies and professionals to assist consumers in getting lower rates on car insurance, as well as home insurance, motorcycle insurance and life insurance.</li>
<li style="color: dimgrey;">Intact Insurance Company of Canada is the largest Property and Casualty insurer in Canada. Purchased AXA's Canadian Business in June 2011</li>
<li style="color: dimgrey;">Knights of Columbus</li>
<li style="color: dimgrey;">belairdirect (Belair Insurance Company Inc.) providing complete car and home insurance solutions direct to the consumer in Quebec and Ontario.</li>
<li style="color: dimgrey;">Manulife Financial (Manufacturers Life Insurance Company) is a major Canadian insurance company and financial services provider. Although its global head office is located in Toronto, Ontario, Manulife has worldwide operations, most notably in the United States (through its subsidiary, John Hancock Insurance) and in 19 unique Asian countries and territories. Manulife Financial is the largest insurance company in Canada, the second largest in North America and the world's fifth largest, based on market capitalization.</li>
<li style="color: dimgrey;">Medipac Travel Insurance is the largest direct writer of Travel Insurance for Canadians that live the Snowbird (people) lifestyle. Medipac is partnered with Manulife Financial to provide insurance benefits and endorsed by the Canadian Snowbird Association and the Royal Canadian Legion.</li>
<li style="color: dimgrey;">Missisquoi Insurance Company The Missisquoi Insurance Company is the oldest Canadian owned property and casualty insurance company, having been established in 1835 in the Eastern Townships region of Quebec. It is now part of The Economical Insurance Group.</li>
<li style="color: dimgrey;">National Life</li>
<li style="color: dimgrey;">RBC Insurance</li>
<li style="color: dimgrey;">Red River Mutual - operates in Manitoba & Saskatchewan, headquartered in Altona Manitoba</li>
<li style="color: dimgrey;">SSQ Financial Group</li>
<li style="color: dimgrey;">Standard Life is a major employer in Edinburgh, with 8,500 UK employees and over 12,000 worldwide. Standard Life plc acts as a holding company for the areas within Standard Life. Since demutualisation, the company structure is quite complex. Standard Life has an excess of seven million customers worldwide, with five million in the UK. Of these, 2.6 million are with profits members of the mutual.</li>
<li style="color: dimgrey;">State Farm</li>
<li style="color: dimgrey;">Sun Life Financial is a leading financial services organization in Canada known primarily as a life insurance company. Today, the company manages assets in excess of $350 billion and has more than 13,000 people on its payroll plus thousands of independent agents worldwide.</li>
<li style="color: dimgrey;">TD Insurance</li>
<li style="color: dimgrey;">The Personal Insurance Company (The Personal) is a property and casualty (P&C) group insurance company that specializes in home insurance and auto insurance (formerly CIBC Insurance).</li>
<li style="color: dimgrey;">Transamerica Life Canada</li>
<li style="color: dimgrey;">Unity Life - formerly Toronto Mutual</li>
<li style="color: dimgrey;">Wawanesa Insurance</li>
<li style="color: dimgrey;">The Mutual Fire Insurance Company of British Columbiahttp</li>
<br /><b><span style="color: orange;">Consolidation of Former Insurance Carriers</span></b><br /><br /><ul style="color: dimgrey;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjko6N3Vj8PHjmGlxCQ1XsaU13fUcsk7LI9jKAKpQvGd49Q5Ttyv31XeQ_WObUP8AWDEum5OrQTnp6XHjFVCUmTJIqx6KWMPxHMY3ZKlEhWEVQFAJZzC-FNb2i5eD9fRk6zir0gyptxlSU/s1600/car-insurance-companies-Canada.jpg" imageanchor="1" style="clear: left; color: #2560aa; float: left; margin-bottom: 1em; margin-right: 1em; text-decoration: none;"><img border="0" height="262" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjko6N3Vj8PHjmGlxCQ1XsaU13fUcsk7LI9jKAKpQvGd49Q5Ttyv31XeQ_WObUP8AWDEum5OrQTnp6XHjFVCUmTJIqx6KWMPxHMY3ZKlEhWEVQFAJZzC-FNb2i5eD9fRk6zir0gyptxlSU/s1600/car-insurance-companies-Canada.jpg" style="max-width: 100%; width: auto;" width="320" /></a>
<li>Aetna Canada Assurance - Purchased by Maritime Life in 1999.</li>
<li>Canada Life Assurance Company: Now part of Great-West Co.- Purchased in 2003.</li>
<li>Clarica Life Assurance: Formerly known as Mutual Life Assurance Co. Purchased in 2002 by Sun Life Financial.</li>
<li>Commercial Union Life Assurance - Purchased by Manulife Financial in 2001.</li>
<li>Confederation Life Assurance Co. - Receivership in 1995. Canadian business units purchased by Manulife Financial and Maritime Life.</li>
<li>Crown Life Assurance Co. - Purchased by Canada Life Assurance in 1998.</li>
<li>Imperial Life - Purchased by Desjardins Group in 1994.</li>
<li>Laurentian Life - Absorbed by Imperial Life in 1993.</li>
<li>Liberty Health - Purchased by Maritime Life in 2003.</li>
<li>London Life Insurance Company - Now part of Great-West Co.- Purchased in 1997.</li>
<li>Maritime Life - Purchased by Manulife Financial (as part of the John Hancock Insurance acquisition) in 2004.</li>
<li>Metropolitan Life - Canadian operations purchased in 1998 by Mutual Life (which later became Clarica Life Assurance).</li>
<li>Mutual of Omaha - Canadian operations purchased by RBC Insurance in 1998</li>
<li>New York Life - Canadian operations purchased by Canada Life Assurance Company in 1994.</li>
<li>North American Life - Merged into Manulife Financial in 1995.</li>
<li>Ontario Blue Cross - Group insurance operations obtained by Liberty Health in 1995.</li>
<li>Prudential Insurance Co. - Canadian operations purchased in 1996 by London Life Insurance Company.</li>
<li>Royal & SunAlliance Ins. Co. - Canadian operations purchased by Maritime Life in 2001.</li>
<li>UnumProvident - Canadian operations purchased by RBC Insurance in 2004.</li>
<li>Westbury Canadian Life - Purchased by RBC Insurance in 2004.</li>
<li>Zurich Life Insurance of Canada - Canadian group life & health business purchased by Manulife Financial in 2001.</li>
<li>Union of Canada Life Insurance, founded in 1863 - Liquidated in 2012.</li>
<li>The insurance business in Canada is controlled by provincial agencies.</li>
</ul>
<br /><br /><span style="color: dimgrey;">In this article </span><i style="color: dimgrey;">Listing car insurance companies Canada</i><span style="color: dimgrey;"> only lists insurance companies that we get from various sources and most widely used in Canada.</span></ul>
</div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-68685683461526111402014-09-15T15:16:00.003-07:002014-09-15T15:16:38.783-07:00Cheapest Car Insurance for Chevrolet in USA<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Cars area unit thought-about as valuable property. Folks have cars as a necessity except for some it's simply a sort of expressing luxury or self-importance. regardless of the reason is here I write an article about </span><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">cheapest car insurance for chevrolet in USA</span></b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">, cars should be protected particularly the house owners and also the folks on the streets if any untoward incident.</span><span id="goog_714260823" style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"></span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">This is wherever machine insurance comes in.</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">In a previous post, I've explained about </span><a href="http://findcarinsurancequotes.blogspot.com/2014/05/listing-car-insurance-companies-canada.html" style="background-color: white; color: #2560aa; font-family: Verdana; font-size: 11px; line-height: 20px; text-decoration: none;">Listing car insurance companies Canada</a><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">and In the America, there area unit varied policies regarding insurance rates. the foremost common is that rates vary in line with automotive model. As to date, these area unit the 10 least expensive cars to insure and on the opposite hand, the 10 costliest to insure.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">In this fast world of young professionals and rising businessmen, a reliable suggests that of transportation is an absolute necessity so as to remain on the right track right direction in the urban rat-race. Years ago, owning a automotive was thought-about a luxury or standing image, but now, given the fast rate of technological developments it's become as essential and basic as consumption and sleeping.</span><br />
<span style="color: orange;"><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;">Here is five cheapest car insurance for chevrolet in USA:</b><br style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;">Chrysler city and Country</b></span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The Chrysler city and Country could be a machine marketed by DaimlerChrysler. The city and Country was introduced in 1990, whereas its sister vehicles, the Dodge Caravan and town traveller, had already been in production since the 1984 model year. Chrysler's success.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">Chevrolet Metal</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The Chevrolet metal could be a machine introduced by Chevrolet in 2004 for the 2005 model year. The metal is meant to vie with Japanese cars just like the Honda Civic and Toyota ringlet.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"><a href="http://en.wikipedia.org/wiki/Dodge_Caravan" rel="nofollow" style="color: #2560aa; text-decoration: none;" target="_blank">Dodge Caravan</a></b><br />
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="background-color: white; color: dimgrey; float: left; font-family: Verdana; font-size: 11px; line-height: 20px; padding: 4px; text-align: center;"><tbody>
<tr><td><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0jWtXxnCZIF8IGEbyeq46xn7pJjOpEtbBjIGeYKOnMYPo5OpqkMEEEnE87FaMwQMM-656L1JP2pgSwh2AFlH5wwtnhUx5dxjKu3ahClbK93a5FfhqJ_8iU5fW49IkTh_kuygft2cTDzk/s1600/cheapest+car+insurance+for+Dodge+Caravan.jpg" imageanchor="1" style="color: #2560aa; margin-left: auto; margin-right: auto; text-decoration: none;"><img alt="cheapest car insurance for chevrolet" border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0jWtXxnCZIF8IGEbyeq46xn7pJjOpEtbBjIGeYKOnMYPo5OpqkMEEEnE87FaMwQMM-656L1JP2pgSwh2AFlH5wwtnhUx5dxjKu3ahClbK93a5FfhqJ_8iU5fW49IkTh_kuygft2cTDzk/s1600/cheapest+car+insurance+for+Dodge+Caravan.jpg" style="max-width: 100%; width: auto;" title="cheapest car insurance for chevrolet" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="font-size: 9px;"><i>Dodge Caravan unit minivans factory-made by DaimlerChrysler</i></td></tr>
</tbody></table>
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The Dodge Caravan and Dodge Grand Caravan area unit minivans factory-made by DaimlerChrysler (they were oversubscribed by the Chrysler Corporation till 1998). They were introduced in 1983 for the 1984 model year beside sister model the town traveller.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">Chevrolet Antelope</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Chevrolet's chief engineer within the late Fifties, outlined the antelope as a "prestige automotive among the reach of the typical yankee subject." At its peak sales volume in 1965, the antelope was the simplest marketing life-size automotive within the us.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">Chevrolet Silverado CK Pickup</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The GMC Sierra, square measure the latest line of life-size pickup trucks from General Motors.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">As of 2006, the Silverado pickup is that the simplest promoting vehicle inside the United States of America, behind the Ford F-150 pickup.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">These area unit simply 5 least expensive cars insurance. For one to not pay bunch of cash only for insurance rates, we tend to allow you to grasp what cars don't need an excessive amount of. During this trendy time, it pays to possess the simplest automotive however setting priorities can still be thought-about.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Sadly, the cold reality is that no matter that complete of automobile you get, you will be ready to never be all positive that nothing will fail.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Yet, there's some way to shield yourself and be ready for these alleged "road hazards" and unexampled mishaps. this is often wherever auto-insurance comes in. machine Insurance could be a sort of insurance that comprehensively protects the insured from losses involving road mishaps looking on the kind of coverage you get.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">thank you for reading my article about </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">cheapest car insurance for chevrolet in USA</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">, please come back another time to read another article for your car insurance</span></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-76769640690260983102014-09-15T12:12:00.000-07:002014-09-15T12:12:34.194-07:00General Procedure Buying Car Insurance<div dir="ltr" style="text-align: left;" trbidi="on">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0aVLt-XkEr67N8MnP9znPrl3rzV6L8R0u-37vWstqe3RvQXOx4X9qIW-WyPWd-llUvN7RqJABaZjQSeDs_Uy7B76c74z8SSNPb6OOP5U6rdvKWCJn_tQzlU_srO4-_t4xjS7I8DvmN-Q/s1600/general-procedure-buying-car-insurance.jpg" imageanchor="1" style="background-color: white; clear: left; color: #2560aa; float: left; font-family: Verdana; font-size: 11px; line-height: 20px; margin-bottom: 1em; margin-right: 1em; text-decoration: none;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0aVLt-XkEr67N8MnP9znPrl3rzV6L8R0u-37vWstqe3RvQXOx4X9qIW-WyPWd-llUvN7RqJABaZjQSeDs_Uy7B76c74z8SSNPb6OOP5U6rdvKWCJn_tQzlU_srO4-_t4xjS7I8DvmN-Q/s1600/general-procedure-buying-car-insurance.jpg" height="233" style="max-width: 100%; width: auto;" width="320" /></a><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">This article will explain the </span><b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">general procedure buying car insurance</b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> in various countries. Car insurance is the initial step you are trying to protect your finances in the event of a risk to your car? If not, you should consider buying car insurance. The reason? By purchasing auto insurance, when the risk occurs, the insurance company will cover your losses download. As for the car insurance buying procedure is as follows:</span><br />
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" />
<b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Collect information company </b><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The first </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">general procedure buying car insurance</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> is You should first gather information from several companies, such as the company's reputation. It can be seen from the length of the company's stand, optimal service provided to each client, the financial strength of the company, or the views of the public on the company .. Examples of top companies is Astra Buana, Sinar Mas, Allianz, etc.. After that, know in detail and clear information on the premiums offered by the company, protection or car insurance package, as well as corporate partner workshops.</span><br />
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" />
<b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Complete document </b><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">To get a car insurance policy, of course, you must first complete the documents that have been offered by the insurance company. The document as:</span><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Registration form</span><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Copy of ID card or driver's license (which still applies)</span><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Copy of vehicle registration (which still applies)</span><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Another document refers to the type of protection selected</span><br />
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" />
<b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Understand and agree the content of the policy </b><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">To get a car insurance policy should first course to an agreement between the insurance company with you (the customer). The agreement contained in a car insurance policy, in the form of the amount of premium to be paid, how the company claims yag required, provisions and policies that must be adhered to by the customer, etc.. Make sure there is not a single point that you do not understand because it would complicate yourself later.</span><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"><br /></span>
<b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Payment </b><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Last procedure is a premium payment that has been set by the company. Usually the size of the premium you pay depends on the success of warranty extension you add. As for how you can do for the premium payment is by coming directly to the insurance company or by bank transfer.</span><br />
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Hope the tips general procedure buying car insurance above could add insight in to have insurance for your favorite car.</span></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-54883390163936030062014-09-15T12:04:00.003-07:002014-09-15T12:04:48.508-07:00 Buying Car Insurance Online<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">You can </span><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">buying car insurance online</span></b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> from some auto insurance companies that you know or based on presentation from a car insurance marketing officer. You can sit in the comfort of your home and get quotes from several insurance companies for the best rates for your auto insurance.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Make sure you are familiar with state limits and requirements when </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">buying car insurance online</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">. Know what you want. You can save money with minimum limits as required by the state, but higher limits will protect you better for your car.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Make sure you have the right underwriting information and be aware of your losses. If you've had many losses with your current carrier, it will affect your rate with the new carrier.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">If you have your eye on a brand new sports car, sometimes you might want to speak to a person before you go ahead and get a quote. They might be able to advise you on which features to get in order to save a dollar here or there.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgq9woxmFATkWaC9V5H6krF38n_F4Kgl_F2rzjcXkpqTLYmIflioVy7-pnIfrGUIY9oSi-SFDeIBBrlSxHwcxUF2d9mR8D2gLMEfqJ1s31ULhpcgIdQ2x_XT07lwHx5cH_6WfL_9EFffpI/s1600/buying-car-insurance.jpg" imageanchor="1" style="background-color: white; clear: left; color: #2560aa; float: left; font-family: Verdana; font-size: 11px; line-height: 20px; margin-bottom: 1em; margin-right: 1em; text-decoration: none;"><img alt="Buying Car Insurance Online" border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgq9woxmFATkWaC9V5H6krF38n_F4Kgl_F2rzjcXkpqTLYmIflioVy7-pnIfrGUIY9oSi-SFDeIBBrlSxHwcxUF2d9mR8D2gLMEfqJ1s31ULhpcgIdQ2x_XT07lwHx5cH_6WfL_9EFffpI/s1600/buying-car-insurance.jpg" style="max-width: 100%; width: auto;" title="Buying Car Insurance Online" width="320" /></a><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Even though you can do everything on line it still pays to speak to a representative. Person to person contact may elicit little money saving tips and information on credits companies may offer. For instance, did you know that if you have a teen driver with grades of B or above, you may be entitled to a rate credit? Online applications may not offer this advice.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Make sure the company is reputable. Because they have an online presence it doesn't mean that they are a reputable company. Do your research. Check with AM Best, an agency that monitors the financial responsibility of insurance companies. Also check with your state to see if there are any outstanding complaints against the insurance company you're getting quotes from.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The internet makes it very easy to buying car insurance online, just visit the car insurance website and call them to make an car insurance quotes for You.</span></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-13826191077733355882014-09-15T12:03:00.003-07:002014-09-15T12:03:23.470-07:00Whats car insurance quote<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Sometimes we do not realize how important car insurance so that we often overlook any insurance products offered by insurance companies. In this post I will share importance </span><b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">whats car insurance quote</b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">, but NOT life insurance.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">When we mention the word insurance, The first question that I think is </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">whats car insurance quote</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">? Someone called an agent, wearing a tie, and then went to every house or standing offers in the navel insurance shopping? first may be true, and it usually tends to be done by a life insurance agent, not disrespect life insurance agent, it is only to further distinguish between insurance than life insurance.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">I was never worked on one of the insurance company. On this occasion, I just want to share knowledge about insurance, as far as I know, because I am also not a specialist in the field of insurance. I will discuss motor vehicle insurance as our world is related to the automotive blog.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">When talking about insurance, the first will be discussed is a premium, what is the premium?</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5BgpELSpUwURXw3kne5c9WpXEUNAni734gw57278Hj-FWo6dpLL5BNmTrh4xfNiO4Fa5mPyJ9LB8n53nWYHwol4RAzj27_Imvl25_ioQAvsfb5lvRgaex4DBgJpRAYRHgRkHdD3Gh7EE/s1600/Whats+car+insurance+quote.jpg" imageanchor="1" style="background-color: white; clear: right; color: #2560aa; float: right; font-family: Verdana; font-size: 11px; line-height: 20px; margin-bottom: 1em; margin-left: 1em; text-decoration: none;"><img alt="Whats car insurance quote" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5BgpELSpUwURXw3kne5c9WpXEUNAni734gw57278Hj-FWo6dpLL5BNmTrh4xfNiO4Fa5mPyJ9LB8n53nWYHwol4RAzj27_Imvl25_ioQAvsfb5lvRgaex4DBgJpRAYRHgRkHdD3Gh7EE/s1600/Whats+car+insurance+quote.jpg" style="max-width: 100%; width: auto;" title="Whats car insurance quote" /></a><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Briefly Premiums are a number of value (money) paid to the insurance company as a substitute for the services performed by the company within a period of time ( e.g., 1 year or 2 years depending on the negotiation and existing insurance products ).</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">The premium insurance amount</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The minimum and maximum amount of Indonesian insurance rates are set by the Indonesian Insurance Council.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The numbers of premium payments also affect the price of the vehicle. The new vehicle is more expensive premiums and easier to calculate. For the used car amount of the premium payment is determined based on market prices.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">The insurance policy</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Policy is a certificate that is proof that the car owner and the insurance company has agreed to perform the obligations in the period. Both policies are owned by both parties.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">Insured and the Insurer</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Insured is the owner of the vehicle and the policy holder pays a premium, while the Insurer is an insurance company that issued the policy and the premium receiver.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">There are 2 types of insurance losses applicable to the motor vehicle insurance, which guarantees the All Risk / Comprehensive (AR) and Total Loss Only (TLO). All Risk / Comprehensive (AR) guaranteeing all losses owner of the vehicle, except those mentioned in the policy. Total Loss Only (TLO) is insurance that guarantees if the damage suffered by the vehicle up to 75 % or missing vehicle.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: #0b5394;">Example calculation of car and motorcycle insurance</span></b><br />
<span style="color: #0b5394;"><b><br style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;" /></b></span><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">1. Cars (e.g. Honda Jazz )</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Type / Brand Vehicle: Honda Jazz i - DSI CVT on the market in 2005 for IDR 100.000.000</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Rate / rates are valid for All Risk conditions: 2 %</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">So the premium to be paid is IDR 100.000.000x 2 % = IDR 2.000.000/year.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The warranty period of 1 year (i.e. August 20, 2013 - August 20, 2014). So the lads vehicle fully guaranteed for 1 year and covered by insurance</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">For the same calculation TLO only charge is usually lower than the All Risk, e.g. only 1 %</span><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"><br /></span>
<b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">2. Motorbike</span></b><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Type / Brand Motorbike: Kawasaki Z250 IDR 48.500.000 (price in 2013)</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Rate / rates are valid for conditions TLO: 1 %</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">So the premium to be paid is 48.5 million x 1 % = IDR 485.000/year.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">As far as I know, All Risk insurance is only valid for motors up to 250cc motorcycle with a minimum price of IDR 50.000.000 or more.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Thus my short </span><u style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">whats car insurance quote,</u><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> if this article useful for you, please also share to other friends.</span></div>
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<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">I will share some important tips before you decide to choose a car insurance. The following</span><span style="color: orange;"><span style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"> </span><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;">most questions car insurance</b></span><span style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;"> </span><span style="color: dimgrey;">are often asked by the owner of the car to the insurance company.</span></span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">What are the best liability policy limits?</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">It is generally accepted among insurance agents that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100. This means:</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">100,000 per person for bodily injury</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">300,000 per accident for bodily injury</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">100,000 per accident for property damage</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisp_bpP7mCMKJBWgSJE-MyS5cfOWaIFouFud1IlmOglWzi038MLdXxuUX9KKPmFEhbJpTjdoUMnJKIKMj5_3yLWwAyKmn5CbfqO0RWQNUhPLhF7ADYMua3v6IT2l_6HZIKQlrzbT_yazI/s1600/most-questions-car-insurance.jpg" imageanchor="1" style="background-color: white; clear: right; color: #2560aa; float: right; font-family: Verdana; font-size: 11px; line-height: 20px; margin-bottom: 1em; margin-left: 1em; text-decoration: none;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisp_bpP7mCMKJBWgSJE-MyS5cfOWaIFouFud1IlmOglWzi038MLdXxuUX9KKPmFEhbJpTjdoUMnJKIKMj5_3yLWwAyKmn5CbfqO0RWQNUhPLhF7ADYMua3v6IT2l_6HZIKQlrzbT_yazI/s1600/most-questions-car-insurance.jpg" style="max-width: 100%; width: auto;" width="130" /></a><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Since in most areas medical treatment is in fairly the same range, the last limit, per accident for property damage, is the one you may want to take into account if you are not the average driver. If you live in an area where you feel that if there was an accident, that was your fault, and property damage may exceed 100,000, you may want to consider higher limits. Remember, property damage is the other person's car and any other property damaged during the accident if you are at fault. In some areas one's landscaping can cost over 100,000.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">What Happens if I Choose Not to Purchase Car Insurance and Still Drive My Car?</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">That depends on the state you live in. Most states have stringent laws about having car insurance and if you don't choose to follow these laws by not purchasing car insurance, there can be tough penalties and fines.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">What is legal cover?</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">It provides expertise and assistance required to recover uninsured losses such as medical costs, loss of earnings and excess payments where the fault was not yours. It is available as an optional with most car insurance policies.</span></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-35159835831553658722014-09-15T11:47:00.001-07:002014-09-15T11:47:05.059-07:00Cheap Auto Insurance in Florida for young driver<div dir="ltr" style="text-align: left;" trbidi="on">
<b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: #0b5394;">Cheap auto insurance in Florida</span></b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> can cost you a bundle if you don't keep a few crucial tips in Florida, USA. You have to do your homework to ensure that you understand the fine print - especially if you have a teenager on the verge of discovering the joys and freedom of driving. You don't want to discover too late that your cheap automobile insurance policy doesn't provide coverage for a young driver.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">It is an unfortunate fact that teenagers cause a spike in claim rates. Research has shown their accident rate to be up to ten times as high as that of older, more experienced drivers. This high risk group has a direct effect on quotes. The premium can almost double in some instances. Fortunately there are ways to soften the blow as far as your </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Cheap auto insurance in Florida</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> is concerned.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">1. Type Of Vehicle</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">While choosing a low risk vehicle for your teen may have you out of the running as far as the popularity contest is concerned, it will affect your insurance quote significantly. Companies frown on an expensive, fast sports car with a teenager behind the wheel. Don't dangle temptation in front of your teen. Choose that older, heavier car and you will qualify for a much lower premium, as well as a measure of peace of mind. Get a list of the no-go wheels from your insurer.</span><br />
<b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">2. Driving History</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Try to get your teen to understand that their driving history is just as important as their credit history. Avoiding a black mark in any shape or form is vital. Don't claim for small mishaps. Tickets for speeding are a no-no.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLciVfvlaaKmxrhhISWHnfJoWICP8ncSEERrx59ZY8jMAwSOJae1UNs-B9sInOBU9gYfExLcL3fkHbxlH5zm7NFSmCebXZlw9c2vxHuulZGmZFbelhS8qDpjeiI1m_8gX_6-YKRLghYQ8/s1600/cheap-auto-insurance-florida.jpg" imageanchor="1" style="clear: right; color: #2560aa; float: right; margin-bottom: 1em; margin-left: 1em; text-decoration: none;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLciVfvlaaKmxrhhISWHnfJoWICP8ncSEERrx59ZY8jMAwSOJae1UNs-B9sInOBU9gYfExLcL3fkHbxlH5zm7NFSmCebXZlw9c2vxHuulZGmZFbelhS8qDpjeiI1m_8gX_6-YKRLghYQ8/s1600/cheap-auto-insurance-florida.jpg" style="max-width: 100%; width: auto;" /></a></div>
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Passing a course at a reputable driving school will also enable your carrier to see the teen as less of a risk. Why not join your child in a Defensive Driver Program, in order to qualify for a cheap auto insurance discount? This will equip both of you to cut the risk of rear-end crashes, while teaching you and your teen to use emergency brake procedures correctly, to use safe following distances, and to drive safely in foul weather.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Expecting your teen carry his or her share of the coverage is a great way to create a careful driver and teach responsibility.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">3. Avoid Distractions</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Teach your teen to concentrate on driving and driving alone when in the car. No distractions are allowed. No cell phone calls. No fooling around with passengers. In fact, putting restrictions on carrying passengers during the first year or so of driving is probably sensible and can help to get you cheap auto insurance. In some states teens are now barred from carrying more than one passenger. It has been proven that having three or more passengers makes the driver up to three times as likely to be involved in an accident. The new laws also prohibit driving during the dangerous late night and early morning period. This already seems to have a beneficial effect on premiums.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">4. Seat Belt Safety</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Seat belt use is without question one of the most vital aspects of driving. Your teen must know that his wheels will be confiscated if he ever drives without wearing a seat belt. This also applies to passengers. By signing a seat belt wearing undertaking, you may increase your chances of landing cheap auto insurance.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><b><span style="color: orange;">5. You Are The Role Model:</span></b></span><br />
<span style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: dimgrey;"> Remember that you are your teen's role model when it comes to driving. If you don't stick to the rules, you can't expect your kids to do so. Your example over the years will play an important role in the way they approach their own driving later on.</span></span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">6. Change Driver Status</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Your teen may qualify to be an occasional driver, which will draw a lower premium. At first it will also be less expensive to have teens covered under your personal protection plan. They can change to their own plan later on, once they have established some sort of record.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">7. Liability Coverage</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Never, ever try to save on liability coverage when taking out cheap auto insurance. This is absolutely vital. If at all possible get a comprehensive umbrella policy. This will give you a huge cushion in case of a serious accident. It is astonishing how costs can add up if such an unfortunate incident occurs.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">8. Get Good Grades</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">A number of companies allow generous discounts of up to 25% for good grades! Make a B average or higher a provision for allowing your teen on the road.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">9. Company Car</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">If you have your own business, your teen may be able to use the company car without you being slapped with a higher premium. Investigate this possibility.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">10. Carry-Over From Your Teen</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">An important fact that is often overlooked is that your teen's carelessness or risky behavior may bump you into the high risk category with sky-high premiums! Your kid has to understand that his or her driving record is serious business, likely to affect the whole family. If not handled with responsibility, it may void your chances of ever getting Cheap auto insurance in Florida.</span></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-43581602420021270222014-09-15T11:44:00.002-07:002014-09-15T11:44:18.046-07:00Auto Safety Ratings<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Why car insurance is needed?</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Find Your answer after reading </span><b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">auto safety ratings</b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> below:</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">Auto Safety Ratings Facts:</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>Rollover crashes kill one of every four people who die in automobile accidents (1).</li>
<li>Rollovers tend to occur when a vehicle runs off a road and turns over at least on its side (1).</li>
<li>Sport-utility vehicles account for 17 of the 20 vehicles with the greatest risk of rollover (1).</li>
<li>Three SUVs, the Chevrolet Tracker, the Suzuki Vitara and the Toyota RAV4 are most likely to roll over in more than four of every 10 accidents (1).</li>
<li>The least likely SUV to roll over is the Ford Excursion (1).</li>
<li>The vehicles that are least likely to turn over are the Bentley and Rolls-Royce, possessing a 1% chance of rolling over in accidents (1).</li>
<li>Minivans can be expected to roll over 10% to 17.9% of the time in an accident (1).</li>
<li>The 2005 Ford Explorer Sport Trac has the greatest chance of roll over out of SUVs in a single vehicle crash at 34%. The 2005 Chevrolet Tahoe 4-DR and the 2005 GMC Yukon 4-DR have a 28% chance of rollover in a single vehicle crash (2).</li>
<li>The 2005 Chrysler Pacifica 4-DR wSAB and the 2005 Ford Freestyle 5-DR have the smallest chance of rollover out of SUVs in a single vehicle crash at 13% (2).</li>
<li>The 2005 Ford Ranger 2-Dr, the 2005 Ford Ranger</li>
<li>Extended Cab, the 2005 Mazda B-Series Extended Cab and the 2005 Mazda B-Series 2-DR have the greatest chance of rollover out of pickups in a single vehicle crash at 30% (2).</li>
<li>The 2005 Chevrolet Silverado 2-DR, the 2005 Chevrolet Silverado 4-DR, the 2005 GMC Sierra 2-DR, and the 2005 GMC Sierra 4-Dr have the smallest chance of rollover out of pickups in a single vehicle crash at 15% (2).</li>
<li>The 2005 Ford E-150 has the greatest chance of rollover out of vans in a single vehicle crash at 29% (2).</li>
<li>The 2005 Nissan Quest Van w SAB has the smallest chance of rollover out of vans in a single vehicle crash at 12% (2).</li>
<li>The 2005 Pontiac Vibe 4-DR, the 2005 Subaru Forester 4-DR wSAB, the 2005 Toyota Matrix 4-DR, and the 2005 Toyota Scion xA 4-DR Hatchback have the greatest chance of rollover out of passenger cars in a single vehicle crash at 15% (2).</li>
<li>The 2005 Mazda MiataMx-5 Convertible and the 2005 Mazda RX-8 4-DR wSAB have the smallest chance of rollover out of passenger cars in a single vehicle crash at 7% (2).</li>
<li>There are nearly 2 million injury-causing automobile crashes each year (3).</li>
<li>The majority of injury-causing automobile crashes are either frontal or side crashes (3).</li>
<li>More than 10,000 people die each year in rollover crashes (3).</li>
<li>Safety belts can reduce the chance of being killed in a rollover by 75 percent (3).</li>
<li>The purpose of safety belts is to keep a person inside of a vehicle and reduce the risk of hitting the steering wheel, dashboard, or windshield (3).</li>
<li>The Anti-lock Brake System prevents the wheels of a vehicle from locking, enabling the driver to have greater steering control (3).</li>
<li>Electronic Stability Control (ESC) helps allow drivers to control their vehicles during extreme steering maneuvers (3).</li>
<li>A tire is severely underinflated if its pressure is 25 percent below the vehicle manufacturer’s recommended tire inflation pressure (3).</li>
<li>Frontal air bags do not eliminate the need for safety belts and typically do not offer protection for rollovers, side-impact, or rear-end crashes (3).</li>
<li>More than 5,000 people are killed each year in large truck-related crashes (4).</li>
<li>More than 110,000 people are injured in large truck-related crashes each year (4).</li>
<li>Fatalities among motorcycle riders have increased by more than 89% since 1997 (5). </li>
<li>Motorcyclists are about 21 times as likely as passenger car occupants to die in a traffic crash and four times as likely to be injured (5).</li>
<li>Motorcycle helmets reduce the risk of death by 29% and are 67% effective in preventing brain injuries for motorcycle riders (5).</li>
<li>Motor vehicle crashes are the leading cause of death for all Americans ages two to 33 (6).</li>
<li>117 people are killed daily in motor vehicle crashes (6).</li>
<li>Over 500 children under the age of four, 487 children between the ages of four to seven and more than 1,600 children ages eight to fifteen were killed in motor vehicle crashes (6).</li>
<li>Occupant rollover deaths accounted for 10,553 fatalities in 2006 (6).</li>
<li>SUV rollover deaths increased by nearly ten percent between 2005 and 2006 (6).</li>
<li>Motorcycle deaths have increased by 89% since 1997 and by 8% since 2005 (6).</li>
<li>More than half of those killed in motor vehicle crashes in 2004 were not protected by a seat belt (6).</li>
<li>Motor vehicle crashes cost an estimated £230 billion annually in property and productivity loss, medical and emergency bills and other related costs (6).</li>
<li>Every American effectively pays a crash tax of £792 each year to cover the cost of motor vehicle crashes (6).</li>
<li>Seat belts are credited with preventing 11,900 deaths and 325,00 serious injuries annually (6).</li>
<li>55% of passengers who were killed in automobile accidents were not wearing seat belts (6).</li>
<li>The use of belt-positioning booster seats lowers the risk of injury to children in crashes by 59% compared to the use of vehicle seat belts (6).</li>
<li>In over 5,000 child passenger deaths more than 60% of the children who were killed were riding in the car driven by an impaired driver (6).</li>
</ul>
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<b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;"><i>Auto Safety Ratings Sources</i>:</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><div class="separator" style="background-color: white; clear: both; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px; text-align: center;">
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<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">1. Stoller, Gary (2000). Formula Predicts Rollover Risk. Retrieved on May 18, 2006 from www.autosafety.org/article.php?did=779&scid=175</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">2. National Highway Traffic Safety Administration. (2005). Model Year 2005 Rollover Ratings. Retrieved May 18, 2006 from http://www.nhtsa.dot.gov</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">3. National Highway Traffic Safety Administration. (2006). Buying a Safer Car. Retrieved on May 18, 2006 from www.nhtsa.dot.gov</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">4. Public Citizen. (February 2006). Trucker Hours-of-Service Rule Creates Hazard, Allows Drivers on Road for Too Many Hours, Safety Groups and Teamsters Tell Court. Retrieved on May 18, 2006 from www.saferoads.org</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">5. Advocates for Highway and Auto Safety Ratings. (2005). Fact Sheet: Motorcycle Helmets. Retrieved on May 18, 2006 from http://www.saferoads.org</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">6. Advocates for Highway and Auto Safety Ratings. (2006). 2006 Roadmap to State Highway Safety Laws. Retrieved on May 18, 2006 from http://www.saferoads.org</span></div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-2148568051500026102014-09-15T11:42:00.001-07:002014-09-15T11:42:13.839-07:007 useful car insurance tips money saving expert<div dir="ltr" style="text-align: left;" trbidi="on">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrMHNfhMgZTUiPoorE2AbhuMVadxOe0GnSYFdPig5UBNI5Umks-EPMWxWWEHYdlae0ZxEn2xXQgDy_N_ynUORfYQtLVs0OUyRH6bS2LH8uMqvgbjvWRoTuvD0le4861HNpzwVPw7UMFrs/s1600/car-insurance-tips-money-saving-expert.png" imageanchor="1" style="clear: left; color: #2560aa; float: left; margin-bottom: 1em; margin-right: 1em; text-decoration: none;"><img border="0" height="161" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrMHNfhMgZTUiPoorE2AbhuMVadxOe0GnSYFdPig5UBNI5Umks-EPMWxWWEHYdlae0ZxEn2xXQgDy_N_ynUORfYQtLVs0OUyRH6bS2LH8uMqvgbjvWRoTuvD0le4861HNpzwVPw7UMFrs/s1600/car-insurance-tips-money-saving-expert.png" style="max-width: 100%; width: auto;" width="400" /></a><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: #0b5394;">Car insurance tips money saving expert</span></b><span style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: #0b5394;"> </span><span style="color: dimgrey;">is very important before you decide to use a car insurance services because most people have spent a lot of money for car insurance, it happens because wrong when choosing the right car insurance so having insurance becomes effective.</span></span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Here I share the following important information about </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">car insurance tips money saving expert</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> so that could be an additional input before you choose insurance for your car.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">1.Taking advantage of low mileage</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Some auto insurance companies will give discounts if you drive less than a certain number of miles or drive less than a certain distance to work.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">2.Low profile vehicle</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Your vehicle will also determine your overall insurance costs. Some of the cars are favorite for thieves since they fetch a good price. Some cars are more expensive to repair. It makes a lot of sense to do adequate amount of research before you make your auto purchase.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">3.Raising your deductible</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Deductible is the amount you pay from your pocket before making an insurance claim. The disadvantage of raising your claim is when you make a claim, you will pay more. However, if you are a safe driver, you will overtime save more money by raising your insurance deductible. Look at your previous insurance claim history and make a discreet decision for yourself.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">4.Moving - Consider insurance costs.</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">If you are considering moving, it will be a good idea to call your insurance agent and get his opinion on the insurance costs in the new city or state.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">5.Older Auto - Drop comprehensive collision coverage.</span></b><br />
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<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">If your car is not worth much, why pay for comprehensive and collision insurance coverage. You can visit a myriad of online sites to find true worth of your car. Additionally your insurance broker might be able to pull up the true worth of your vehicle.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">6.Have your insurance broker check other insurance company discounts.</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">A lot of companies will offer discounts if you and your spouse are insured with the same insurance company. Additionally, if you seek home insurance, life insurance, auto insurance from the same insurance company, you will get some discounts. Check with your insurance agent on saving money.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">7.Make sure your vehicle is correctly listed by your insurance agent.</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Many manufacturers offer somewhat similar model names for vehicles but insurance costs may vary. Additionally 2 or 4 door or the wrong model can impact your auto insurance quote. This Car insurance tips money saving expert can be a partial solution to the problem of the selection of car insurance.</span></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-66734777120539761662014-09-15T10:57:00.000-07:002014-09-15T10:57:13.171-07:00Tips Compare Auto Insurance Quote Online<div dir="ltr" style="text-align: left;" trbidi="on">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnerSQ8bVudeWRxbDUi3Hw4IVevgGemOkh2fco7XsUaCRKTg0g2Ks_V7Pxte8hgKgBUQMYzsBYMh1EsIWjEuT48Iy8xvh4pVgRN7cOFATYQ-N0CQY6zKZqQux30VTXynq_T_0oVwBUMwI/s1600/tips-compare-auto-insurance-quote-online.jpg" imageanchor="1" style="background-color: white; clear: left; color: #2560aa; float: left; font-family: Verdana; font-size: 11px; line-height: 20px; margin-bottom: 1em; margin-right: 1em; text-decoration: none;"><img border="0" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnerSQ8bVudeWRxbDUi3Hw4IVevgGemOkh2fco7XsUaCRKTg0g2Ks_V7Pxte8hgKgBUQMYzsBYMh1EsIWjEuT48Iy8xvh4pVgRN7cOFATYQ-N0CQY6zKZqQux30VTXynq_T_0oVwBUMwI/s1600/tips-compare-auto-insurance-quote-online.jpg" style="max-width: 100%; width: auto;" width="320" /></a><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">When you get </span><b style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">tips compare auto insurance quote online</b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> from an insurance company, always keep in mind to compare it with quotes issued by other companies with the same car insurance policy features. However, since this is a challenging task, with results often being prone to mistakes and miscalculations, here are some tips that can help you simplify the process.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The first thing you need to do when you get </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">tips compare auto insurance quote online</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> is to assess your current auto insurance policy, and consider every feature it incorporates, such as limits for property, bodily injury, uninsured motorist and underinsured motorist; what the deductibles are; if you’re willing to pay for towing and rental care reimbursement; and if you have comprehensive coverage or just collision.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Your second, particularly important step when you get car insurance quote online is to gather specific information about your cars, and the people who drive them. Be prepared to list down information regarding:</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">1. Drivers license and Social Security Numbers for each driver</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">2. Year, make and model of each vehicle to be insured</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">3. Average mileage for each day, and whether it's used for business or pleasure</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">4. Safety features such as Anti-lock Brakes (ABS), alarms, air bags etc for each vehicle</span><br />
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<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Always make an effort to get at least three or more car insurance online quotes for your auto insurance from various sources, because rates are liable to differ between car insurance companies. Put down each online quote on the same sheet of paper, along with comments for each company you’ve listed.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">When looking for a cheap car insurance quote online, you must also bear in mind the importance of good value, such as financial stability, fast claims service and good customer service.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">When you’ve tracked down the car insurance quote online that meet your requirements, keep it under scrutiny for a couple of days in order to be certain that you’ve got the right insurance coverage for your car.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Determine if you are still going to need those features in your car insurance, and make note of any changes. For example, there’s no point opting for comprehensive coverage on an old car that has severely decreased in value. Therefore, getting only collision coverage might be able to save you a few hundred dollars on your car insurance premium.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Don’t hesitate to ask a lot of questions if you’re doing business with an agent or representative, who could probably be able to help you save a decent amount on your insurance. It’s also always a good idea to check if there’s a customer service contact on the insurer’s website when you get tips compare auto insurance quote online.</span></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-77500189381149110612014-09-15T10:54:00.001-07:002014-09-15T10:54:03.263-07:00How to lower my car insurance quotes<div dir="ltr" style="text-align: left;" trbidi="on">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf2u0nABXtDDYVLVgF1W8xYjwRUIa6XSTEEYJ81hgjx6Flg4EhqWyRPChh4XxS4FBmNkTB-RrSU5jAZ42ME6Cdl0YR617FDByUF85M0kXgBUxO-mxKPtUS0C8pA6EAT8S-uQ0F2_W86S4/s1600/lower-car-insurance-quote.jpg" imageanchor="1" style="clear: left; color: #2560aa; float: left; margin-bottom: 1em; margin-right: 1em; text-decoration: none;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf2u0nABXtDDYVLVgF1W8xYjwRUIa6XSTEEYJ81hgjx6Flg4EhqWyRPChh4XxS4FBmNkTB-RrSU5jAZ42ME6Cdl0YR617FDByUF85M0kXgBUxO-mxKPtUS0C8pA6EAT8S-uQ0F2_W86S4/s1600/lower-car-insurance-quote.jpg" style="max-width: 100%; width: auto;" width="320" /></a><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">How to lower my car insurance quotes</span></b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> it was not too long ago when contracts were made on a handshake and a promise. Individuals were not particularly concerned with things like insurance because they relied upon the goodwill of their neighbor to compensate them for wrongful damage.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">For a variety of reasons, </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">how to lower my car insurance quotes</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> including an increase in the speed and cost of auto wrecks, auto insurance soon became an important purchase for responsible individuals. Not long after, the federal government mandated that auto insurance be carried, at least minimally, by all car owners. The increase in the need for auto insurance over the last 10 years has led to increases in the complexity of insurance, while at the same time, amplifying the need to be more cost conscious in auto insurance purchases.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Buying auto insurance today requires as much dexterity as buying the automobile itself. It is important to know the factors that an auto insurance company considers when offering quotes. This will allow you, as the consumer, to know what steps you need to take in order to qualify for a lower quote.</span><br />
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<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The how to lower my car insurance quotes are:</span><br />
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">1. Portray yourself as a "safe" candidate</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Insurance companies are interested in managing risk. Consequently they offer drivers who are less likely to get into wrecks or at a minimum into wrecks of less severity, a lower insurance quote.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>Maintain a clean driving record, free of traffic violations or accident claims.</li>
<li>Install anti-theft devices in your vehicle.-Attend a Drivers Safety Training program.</li>
<li>Buy a "safe" vehicle. The National Highway Traffic Safety Administration (NHTSA) and The Insurance Institute for Highway Safety together collect information on safety related aspects of different vehicles. Buy an automobile that is officially designated as "safe".</li>
</ul>
<b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">2. Show your Credit worthiness</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">As a risk management entity, insurance companies are also worried about getting paid on time. If you can show yourself to be credit worthy, there is less risk of you not making your payments on time, thus warranting a lower rate.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>Maintain a good credit score and clear up any errors on your credit.</li>
<li>Cut down on the total number of outstanding credit cards to 2 or 3.</li>
</ul>
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">3. Practice Financial Wisdom</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The way in which you structure and pay for your policy can lower the risk that an insurance company faces with respect to you as a customer. By taking steps to lower their risk, you receive a lower insurance quote and policy.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>Buy an annual policy instead of a six monthly coverage to get you a lower rate that remains the same for a year.</li>
<li>Opt for automatic payment deductions from your bank account or your credit card to avoid getting charged for mail payments.</li>
<li>Increase your deductibles on comprehensive and collision policies to reduce on the rates.</li>
<li>Get loyalty discounts by buying your home and auto insurance from the same company. </li>
</ul>
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">4. Assess your Insurance Needs accurately</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">This is obvious, the more coverage you get the more it will cost you. Add-ons are killers in the insurance business, strip your policy down to just the minimum of what you need.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>If your vehicle is not used much or you have an old car with little market value, opt for minimum liability alone. It will cost you less.</li>
<li>After fulfilling the legal mandate on auto insurance, insure according to your needs alone.</li>
</ul>
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">5. Other wise things that you can do to lower car insurance quote</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">There are a number of other considerations that go into your insurance quote. Some of them are not reasonable steps to take, while others you can do with little effort which can translate into substantial savings.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>If your car is used only for a particular purpose, make your agent aware of it, as this will limit the cost.</li>
<li>Students that make good grades are often eligible for a discount.</li>
<li>Give up smoking; it can help you get better quotes.</li>
<li>Change your occupation if you can help. A delivery boy carries a higher risk than a storekeeper for how to lower my car insurance quotes.</li>
</ul>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-43528099155155517802014-09-15T10:53:00.001-07:002014-09-15T10:53:10.118-07:00How to lower my car insurance quotes<div dir="ltr" style="text-align: left;" trbidi="on">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf2u0nABXtDDYVLVgF1W8xYjwRUIa6XSTEEYJ81hgjx6Flg4EhqWyRPChh4XxS4FBmNkTB-RrSU5jAZ42ME6Cdl0YR617FDByUF85M0kXgBUxO-mxKPtUS0C8pA6EAT8S-uQ0F2_W86S4/s1600/lower-car-insurance-quote.jpg" imageanchor="1" style="clear: left; color: #2560aa; float: left; margin-bottom: 1em; margin-right: 1em; text-decoration: none;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf2u0nABXtDDYVLVgF1W8xYjwRUIa6XSTEEYJ81hgjx6Flg4EhqWyRPChh4XxS4FBmNkTB-RrSU5jAZ42ME6Cdl0YR617FDByUF85M0kXgBUxO-mxKPtUS0C8pA6EAT8S-uQ0F2_W86S4/s1600/lower-car-insurance-quote.jpg" style="max-width: 100%; width: auto;" width="320" /></a><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">How to lower my car insurance quotes</span></b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> it was not too long ago when contracts were made on a handshake and a promise. Individuals were not particularly concerned with things like insurance because they relied upon the goodwill of their neighbor to compensate them for wrongful damage.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">For a variety of reasons, </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">how to lower my car insurance quotes</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> including an increase in the speed and cost of auto wrecks, auto insurance soon became an important purchase for responsible individuals. Not long after, the federal government mandated that auto insurance be carried, at least minimally, by all car owners. The increase in the need for auto insurance over the last 10 years has led to increases in the complexity of insurance, while at the same time, amplifying the need to be more cost conscious in auto insurance purchases.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Buying auto insurance today requires as much dexterity as buying the automobile itself. It is important to know the factors that an auto insurance company considers when offering quotes. This will allow you, as the consumer, to know what steps you need to take in order to qualify for a lower quote.</span><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"><br /></span>
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The how to lower my car insurance quotes are:</span><br />
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">1. Portray yourself as a "safe" candidate</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Insurance companies are interested in managing risk. Consequently they offer drivers who are less likely to get into wrecks or at a minimum into wrecks of less severity, a lower insurance quote.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>Maintain a clean driving record, free of traffic violations or accident claims.</li>
<li>Install anti-theft devices in your vehicle.-Attend a Drivers Safety Training program.</li>
<li>Buy a "safe" vehicle. The National Highway Traffic Safety Administration (NHTSA) and The Insurance Institute for Highway Safety together collect information on safety related aspects of different vehicles. Buy an automobile that is officially designated as "safe".</li>
</ul>
<b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">2. Show your Credit worthiness</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">As a risk management entity, insurance companies are also worried about getting paid on time. If you can show yourself to be credit worthy, there is less risk of you not making your payments on time, thus warranting a lower rate.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>Maintain a good credit score and clear up any errors on your credit.</li>
<li>Cut down on the total number of outstanding credit cards to 2 or 3.</li>
</ul>
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">3. Practice Financial Wisdom</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">The way in which you structure and pay for your policy can lower the risk that an insurance company faces with respect to you as a customer. By taking steps to lower their risk, you receive a lower insurance quote and policy.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>Buy an annual policy instead of a six monthly coverage to get you a lower rate that remains the same for a year.</li>
<li>Opt for automatic payment deductions from your bank account or your credit card to avoid getting charged for mail payments.</li>
<li>Increase your deductibles on comprehensive and collision policies to reduce on the rates.</li>
<li>Get loyalty discounts by buying your home and auto insurance from the same company. </li>
</ul>
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">4. Assess your Insurance Needs accurately</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">This is obvious, the more coverage you get the more it will cost you. Add-ons are killers in the insurance business, strip your policy down to just the minimum of what you need.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>If your vehicle is not used much or you have an old car with little market value, opt for minimum liability alone. It will cost you less.</li>
<li>After fulfilling the legal mandate on auto insurance, insure according to your needs alone.</li>
</ul>
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">5. Other wise things that you can do to lower car insurance quote</span></b><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">There are a number of other considerations that go into your insurance quote. Some of them are not reasonable steps to take, while others you can do with little effort which can translate into substantial savings.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br />
<ul style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">
<li>If your car is used only for a particular purpose, make your agent aware of it, as this will limit the cost.</li>
<li>Students that make good grades are often eligible for a discount.</li>
<li>Give up smoking; it can help you get better quotes.</li>
<li>Change your occupation if you can help. A delivery boy carries a higher risk than a storekeeper for how to lower my car insurance quotes.</li>
</ul>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-5086385771253540323.post-59487941063854547352014-09-15T10:33:00.007-07:002014-09-15T10:33:55.560-07:00 Most Top Stolen Cars in USA<div dir="ltr" style="text-align: left;" trbidi="on">
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="background-color: white; color: dimgrey; float: left; font-family: Verdana; font-size: 11px; line-height: 20px; padding: 4px; text-align: center;"><tbody>
<tr><td><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVFAo_AKlJUx9_dwdCXniS2IAHEzpTJb9iMZ7M-SURUj0Lim9gClBErSxIzvKQdZ9BfQQtNQ1MtRsVw-k_MUzGYxgNpk28MVtG4knZMF0UBGH_p5sY_IIOW60DUnBliE5g9cZHV2Cgbvg/s1600/top-stolen-cars-in-usa.jpg" imageanchor="1" style="color: #2560aa; margin-left: auto; margin-right: auto; text-decoration: none;"><img alt="top stolen cars in usa" border="0" height="166" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVFAo_AKlJUx9_dwdCXniS2IAHEzpTJb9iMZ7M-SURUj0Lim9gClBErSxIzvKQdZ9BfQQtNQ1MtRsVw-k_MUzGYxgNpk28MVtG4knZMF0UBGH_p5sY_IIOW60DUnBliE5g9cZHV2Cgbvg/s320/top-stolen-cars-in-usa.jpg" style="max-width: 100%; width: auto;" title="top stolen cars in usa" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="font-size: 9px;"><i>Illustration of car thefts in the USA</i></td></tr>
</tbody></table>
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">If you drive one amongst these makes and models of vehicles, you may end up with a high car insurance premium. Here is </span><b style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;"><span style="color: orange;">most top stolen cars in USA</span></b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;"> each year area unit listed by brand; Honda Civic, Toyota pick-up truck, Toyota Camry, Dodge Caravan, Honda Accord, and Ford F150 truck. currently if you own one amongst these vehicles, your insurance rate might increase thanks to the thievery rate of those vehicles. Explaint about vehicles insurance see </span><b><span style="color: orange;">Vehicle Insurance</span></b><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Although the years area unit specific on these vehicles, if you seek advice from the insurance company, they're going to advise you on the year of those vehicles. With the Honda Civic, the 1995 years disappear, wherever no reports of the opposite years appear to disappear. You specific model and year has a sway on your insurance due to the thievery rate. This conjointly depends on your area; some places may even see an increase in thievery for one more automobile instead of a automobile listed.</span><br />
<span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">If you own a vehicle that presents a high risk for being taken, you'll wish to put in some safety devices so as to lower your insurance rate. Alarm systems, wheel locks and different devices show the insurance company you would like to stay your automobile and cause no threat of lease your automobile become a data point. Everything you'll be able to do to guard your vehicle provides discounts on your insurance rate. For more info about how to online car insurance, see </span><span style="color: orange;"><b>Buying Car Insurance Online<span style="background-color: white; font-family: Verdana; font-size: 11px; line-height: 20px;">.</span></b></span><br />
<br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">About eight classic cars seem on the high thievery rate charts, however classic insurance is incredibly completely different from regular insurance. It still makes the insurance rate higher after you place insurance on these sorts of cars. Classic insurance and insurance disagree in many alternative ways in which and insuring a 1968 annoy Camaro and a 1995 Honda Civic features a price distinction of regarding 3 to four hundred greenbacks a year if less.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Car insurance firms offer coverage for these cars however you would like to own some safety measures in situ, keeping the vehicle in a very garage won't be decent for the insurance firms. If you have got a desire for insurance finding a insurance company might take a while and you would like to own as several quotes as you'll be able to to settle on lowest rate and one thing that provides smart coverage.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Also created some extent to search out out however they purchase a taken automobile, simply just in case. Therefore, they need declared price pay or associate united pay just in case your automobile is taken or vandalized. you would like to grasp however your claim would be paid within the event you have got a retardant. Insurance protects you and your automobile as long as you have got smart coverage.</span><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><br style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;" /><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">Thank you for reading my article of </span><i style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">most top stolen cars in USA</i><span style="background-color: white; color: dimgrey; font-family: Verdana; font-size: 11px; line-height: 20px;">, please protect your vehicle from theft by applying car insurance in your local area.</span></div>
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