The Internet and Auto Insurance

If you were told to look for vehicle coverage where would start? If you are the typical sixteen seventeen year old and own a personal computer you are automatically going to the internet. This is the first place we now go for everything. Is it because we gave up on the yellow pages of the telephone book? No, not really it is because we can have the information at our fingertips in the matter of minutes. Everyone is getting used to having information within the first ten minutes that if it takes longer than that why bother. Do you think an auto insurance webpage has the information available to answer that quickly? Yes, I do.

Why, because if they want to stay competitive in a technology driven world they will make it happen where they provide sufficient information for the person to make the final telephone call or provide the contact information that is needed for the agent to call them back. At some point there is information that will need to be verified. Initial information can be preliminary and for that you can answer yes and no simple questions. For example, some of the questions could have been you over eighteen? Do you have a current drivers license? Do you have current auto insurance? What state do you live in?

These few questions will tell you whether or not you will be able to make payments or make a onetime payment to get started on your auto insurance premium. The age will tell you whether or not you are eligible for a discount being under or over twenty five. The state will give you an idea if auto insurance rates because all states are not created equal when it comes to auto insurance rates. If you are able to get contact information after answer the few questions listed above then you most likely have a very good chance at providing auto insurance to this new client. People want information and not a life story.

So unless you are asked a bunch of questions let the auto insurance company sticks to the answers. If you look at it another way with the technology, yes we are getting the information quicker and we are becoming a population that does not always like to talk. Instead we want the bottom line and that is the cost of your auto insurance.



Source by Anthony M. Peck

How to Cut the Cost of Car Insurance

Less desirable and low value cars are cheaper to insure

When I was 17 I wanted to own a Ferrari and live life in the fast lane. Even if I could have afforded the car, then I could not afford the insurance to cover it. At 17 you are brand new to the world of driving and statistically you are more likely to make an insurance claim. Mixing high-powered cars with inexperienced drivers is not something car insurance companies are super-keen about, the chance of a claim shots through the roof with the price of the premium following it. When you are young and inexpensive, buy a low-powered, low value car to try and keep your car insurance premium to a minimum. If it is worth less then it will cost less to fix / replace when in your youthful exuberance you crash it. The same logic actually applies to everyone, the lower the value of the vehicle and the lower the car insurance policy will be in most cases. Sports and premium cars will always cost more to repair in an accident so the insurance will reflect this. New cars now feature myriads of anti-theft and driver aids that in many cases will help to reduce the cost of insurance so keep an eye on the spec sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.

Age is a concern

I mentioned it above and it bears repeating. Typically the younger you are the higher your car insurance premium. This is down to inexperience and the youthful belief that bad things will never happen to you. The statistics say otherwise, which is often a shock to an unsuspecting young driver who ends up in a crash wondering how it happened to him … Driving experience and age are usually linked and that leads to a method of reducing your insurance premium – whatever age you are you will benefit from advanced driving courses and many car insurers offer discounts for these qualifications. It may only be a five – 10 per cent saving for the course but on a premium of £ 1000 it's worth having the saving and it will stay with you for years, so it should be a good investment, not to mention make you a better driver.

Keep adding to the no-claims bonus

The more years you can accumulate without making a claim the better as most car insurers will offer a discount on your insurance for this. Effectively you are proving you are good business to have and because you have not made any claims then you are a good risk for them to underwrite. There's nothing you can do here but keep your nose clean and do not make a claim. If you own a low value vehicle and dent it parking, you'd be advised not to make a claim on comprehensive insurance because it would reduce your no-claims bonus, likely to be for a small amount of money and you may even end up paying for most of it depending on excess. In that case, provided you have not caused damage to any other vehicles or property, keep quiet, fix it yourself and your saving on no-claims bonus will be sweet the following year – in time, when you have built up three or more years no-claims bonus, you can actually protect your bonus, meaning even if you make a consequent claim you will not lose your bonus.

Convictions are not cool

If you are an inner-city teenager then an ASBO may be a badge of honor. Insurers are less impressed by convictions though, so it is best to avoid them if you can. Minor speeding offences are certainly not in the same category as serial killer though, so if you have a couple of points it will not be the end of the world or have a major influence on your premium depending on the insurer.

If you've got a garage, use it

What are garages for? If you ask the average person they'll probably say for storing all the kids' toys, the home gym, bikes, the freezer and tumble-dryer. I have news for you all; the garage is designed to house your vehicle when you are not using it. The fact that it puts a physical barrier between any opportunist thieves and your car is a real good thing and car insurance companies will recognize this and reduce your premium if you park in a garage overnight. Using your garage will save you money; it does not get any easier than that.

Anti-theft devices

Most modern cars come with immobilizer and alerts factory fitted and if you notify your insurer it will check to make sure they are to approved standards and will apply discounts if applicable. You can get other devices that slosh around in the passenger footwell until you park and then fix to generally your steering wheel or gear-stick. These are mechanical devices and some do attract further discounts if used, just do your homework before buying. Thatcham is the organization which grades security devices and generally a decent mechanical security device will feature its Thatcham approval very prominently along with any premium discounts you may expect, so choose carefully.

Use a reputable broker

Car insurance is very big business with around 30million + vehicles on the UK roads, so there is a wealth of car insurance companies to choose from. Ironically, the big names you are familiar with are probably in your head because of massive marketing campaigns on television, on-line etc. Regardless of the message, those marketing campaigns need to be paid for and that means they may not actually have the best rates, although the sheer scale of some of these businesses means prices will be due due to buying or underwriting power. The best advice is to compare a couple of different prices from different companies. Call the insurer and then call a comparable competitor and then possibly a small car insurance broker. Each one will ask you if you have a price already and you should tell them what it is. Usually if they want the business they know what to beat. The moment you get a broker saying they can not match the price then you are probably close to the best market price or else speaking with a broker that is not a specialist in the area.

A word of caution on price comparison sites

There are plenty of price comparison sites around which promise to drive the cost of your insurance policy down – Money Supermarket, Go Compare, Confused etc. They certainly do help reduce the cost of insurance as most of the major players are fighting for business on the same platform. Where these price comparison sites do not perform so well is actually advising you on the sort of policy that's best for you or your car. Would comprehensive be cheaper and more suitable than third party fire and theft? The point is you can not ask the price comparison site for any advice, that's where car specialist brokers have the edge. Compare it to buying a new house, would you buy one without a survey? You might and then when it subsides into the sea you'll be praying your insurance will cover it … the point is you should not buy insurance without talking with an expert either.

Pick up the phone

The internet is a great shopping and selling tool, you know my feelings on that from previous articles … but I suggest if you speak to a real person at a brokerage then you have a much better chance of getting cheaper car insurance . They can ask more questions, clarify your requirements and if needed they can even delegate the rate (set the price themselves) if they really want the business. There is no substitute for human contact, just make sure you speak to at least three different brokers to get a true comparison.

Got a nice postcode?

If you live in a postcode where there are few thefts and claims then your insurance premium will be lower than living somewhere that is a known crime hotspot. If you can afford it, move to a posh area and you'll benefit from lower insurance premiums. Not the easiest way to save on the cost of insurance for sure …

Mileage and use

The more miles you drive the more chance you have of being involved in a claim. It's simple statistics. The fewer shares covered, the less your insurance premium should cost. Do not tell lies though, if you exceeded the stated mileage by a distance then it could invalidate your insurance.

Married with kids?

Insurers like selling car insurance to married couples mortgaged and with kids and jobs. You are very easy to credit check and generally display responsible behavior which hints at a lower risk for the insurer. That can reduce your car insurance quote.

Do not modify your car

We all see the bling bling cars that haunt Supermarket car-parks late at night and if you like the tacky neon colors and loud exhausts is here here nor there – the fact is that any sort of modification is likely to hike your car insurance premium. Modifications can draw attention, invalidate warranties and in the case of loud exhausts, can also be illegal (if above the noise limit). If illegal, then it could invalidate your insurance as well. The fact is that car manufacturers spend a lot of time developing their products so they work well and if you modify them then it's all out the window and your insurer will be scratching his head wondering what he should charge – and it will almost always be more than a standard vehicle.



Source by Maurice Gertski

How to Know When Car Brakes Need Work

It would be a perfect world if our cars and trucks never required routine maintenance and upkeep, but unfortunately that is not reality. Our vehicles require a specific level of care to preserve and sustain appearance, performance, and most importantly, safety. Routine maintenance such as windshield wiper blade replacement, radiator flushes, tire rotations, oil changes, tune-ups, and more, are critical to overall vehicle preservation.

Pay Special Attention to the Brakes

One of the most important components to keep in a safe and functional condition is the braking system. This system requires special attention in order to keep you safe on the road and protect your investment. If you neglect your car brakes, not only can it cause extra damage to your vehicle, it can lead to your car being a total loss. That is because, in many cases, when an entire braking system needs replaced, the cost can exceed the total value of the vehicle. In this situation, a person’s best bet is to sell their totaled car to a junk car buyer, purchase another vehicle, and then stay dedicated to a routine brake maintenance agenda to avoid vehicular damage.

As soon as you start to notice signs of brake problems, bring your car into a professional automotive body shop for an inspection before the problem can cause overall car damage. Don’t know the signs that suggest your car brakes need some work? Continue reading to learn the most common ones to keep an eye out for while you drive!

Repair or Replacement?

To understand how to identify or look out for brake problems in your vehicle, first it is helpful to understand the basic components of a car brake system. There are four general parts: the hydraulic clamp, brake fluid line, brake pads, and brake rotors. Some may argue that brake pads and rotors are actually part of the wheel, but in this case, we will still include them because they can influence the need for brake repair. In most cases, the brake lines and hydraulic clamp will not experience much wear and tear; they are built to last a long time. On the other hand, brake pads and rotors are susceptible to wear and tear at all times and will need replacing every few thousand miles or so.

They are exposed to deterioration every time you drive because the pad presses against the smooth metal rotor every time the brake is applied. Over time, this pad is worn down and will make a recognizable noise to warn you that they are low. Brake pads squeal or hiss when they get low. The noise is actually the result of the bare pad scraping against the metal rotor (the metal disk that spins on the wheel) and causing friction between them. It can start out as a faint squeak, and turn into a high-pitched squeal if neglected. If you hear grinding then the pad is most likely worn completely thin and is grinding against the rotor. This can really damage the brake rotors. The thickness of the brake padding, the amount of driving you do, and the way you drive all influence the amount of times you will need to replace them.

Selling a Junk Car for Cash

If you discover that your car brakes are shot and need to be replaced, but the cost exceeds the total value if your vehicle, you can still make it profitable by selling it to a junk car buyer. Choose a company that has premium electronic scales that can accurately assess the value of your junk car. Then use the cash toward another vehicle!



Source by Sarahbeth Kluzinski

Don’t Risk It, Get the Protection and Security You Need With Travel Insurance

Let’s face it, getting travel insurance can be a very overwhelming and tedious process, making it easy to put off and even forget entirely. But before you head off on your international adventure, you might want to consider getting coverage through some travel insurance, just to be on the safe side.

With some luck, you’ll be glad it’s something you have and won’t need to use. But we all know that in life things happen, so it’s a good idea to find a travel insurance policy that fits your individual needs, travel agenda, and budget. Many travel agents and private companies offer travel insurance, and they have a wide variety of types and options to choice from.

What does Travel Insurance cover?

Basic coverage of travel insurance includes some financial losses while traveling, as well as limited medical expenses, including medical evacuation. The most common type of travel insurance is trip cancellation or trip delay insurance. This type of policy covers you and your travel companions in case you need to cancel, interrupt or delay your trip. However, the acceptable reasons for canceling or interrupting your trip will depend on the insurance policy, but most likely you’ll be covered for the following reasons:

o Sudden business conflicts

o Change of mind

o Delay in processing your visa or passport

o Illness or injury

o Weather related issues

In case your flight is canceled or delayed, travel insurance companies may provide additional coverage such as expenses that the airlines won’t cover, like taxi fares to the hotel or meals during your wait at the airport.

It’s also a good idea to have a plan with medical coverage of up to $1,000,000 in the case you become ill, need medical assistance, or have a flight accident occur. It’s also good to review the amount deductible by your insurance plan (this is the amount you’ll need to come up with before the insurance company picks of the rest). Make sure it covers repatriation (evacuation to your home country, rather than the nearest regional medical facility); make sure that does not mean you will be sent to the country where you purchased your travel insurance plan either, but your home country. If you’re planning a visit to multiple countries, make sure all the countries are included in the region covered by your insurance policy.

To learn more about these types of coverage and more specialized coverage, read The Basics of Travel Insurance.

To invest or not? How to make travel insurance work for me.

Purchasing travel insurance is great for insuring your money, should any unforeseen events pop-up, especially if you invest large sums of money on extravagant travel packages. To determine whether you want to invest in travel insurance your not, ask yourself these questions:

o Did you invest a lot of money into your travel plans?

o Are you traveling overseas?

o Which regions or countries are you visiting and for how long?

o Are you planning on participating in any extreme sports?

o Can you afford the cost of your trip back home if any emergency arises?

o Will you be able to afford medical care if you or someone you are with gets sick and needs immediate medical attention?

o How old are you and how is your overall health?

o Do you have any pre-existing conditions that need regular, special attention?

You can purchase your travel insurance for a single trip, multi-trip, or with an annual policy, all depending on how frequently you travel and the length of your trip. Comprehensive travel insurance can cost anywhere from 4% to 8% of the cost of your trip, depending on type of coverage, the length of the trip, the destination, and the age of the travelers. It is best to purchase your travel insurance between 7 to 21 days of purchasing your travel itinerary. Usually the maximum coverage period for insurance providers is for one year abroad.

Go through the fine print on your policy and check whether you will have to pay on the spot and redeem the money later for any medical expenses, or will the insurance company pay providers directly. If you have to claim it later on, you will want to hang on to all documents.

If you have a pre-existing medical condition, get an insurance policy that will specifically cover it. Also examine which adventure sports and activities the plan does and does not cover (rarely does it include scuba diving and hang gliding). Lastly, for your benefit, a policy that is flexible and can be extended while you’re already away is recommended. You never know whom you’ll meet, and you just might want to extend your trip.

Another good tip would be to get in touch with your credit card issuer before investing in travel insurance. At http://www.creditcards.com/, a credit card information site, suggests calling your credit card issuer to see if you have any free travel benefits that you may not be aware of, for example, insurance on lost or damaged luggage. However, according to USTIA, canceling a trip at the last minute and being reimbursed by your credit card company is the most common misconceptions among travelers. And sometimes credit card companies have limitations on only cover up to 3 months of travel. It’s worth investigating.

Lastly, if you have existing health coverage, it would be wise to get in touch with them before hand, especially if you will need vaccinations and other medicine for your trip. Depending on your health insurance plan, ask for a ‘travel packet’ and they will send you important information regarding your coverage, if any, while abroad. It might turn out you might already be covered for somethings, but not for others.

Where can I purchase Travel Insurance?

There are many sites and companies offering travel insurance online. Among them are leading companies such as World Nomads, Travel Guard, and InsureMyTrip, just to name a few. A new online resource called Squaremouth, helps travelers easily and instantly compare all the major travel insurance plans at one site. You’ll be able to get immediate quotes from several major, reputable travel insurance providers and compare policies and their prices. It’s a good starting point and one that you can trust.

Helpful Tips for once you’ve purchased your Travel Insurance:

o Scan your insurance policy electronically and save it somewhere securely online

o Make one copy for yourself to bring on your trip

o Make another copy for a trusted family member to keep at home

o Have the emergency hotline number accessible during your trip, but make sure you try it out before leaving home to ensure its operating and correct

o List out any medications you are taking (including vaccinations for your trip), and a list of allergies you have; keep this with your insurance emergency number

o Keep all receipts at home

o Review all the fine print in your insurance policy and determine which adventures you will be taking and which risks might not be worth it

Finally, get ready for a trip of a lifetime! Hopefully you’ll avoid ever using your insurance plan, but it will give you and your loved ones more security knowing you’re protected.



Source by Meghana Kamdar

Advantages And Disadvantages Of Online Gaming

More and more people are addicted to playing online games. With plenty of new and exciting games to choose from, people of all ages are now looking into great online games. Today, there are online gift cards you can purchase to buy the games you want to play. These cards can even be used to buy your favourite songs, movies, and TV shows. Experts shared some of the pros and cons of online gaming.

Advantages

You can try it before buying – Online gaming systems offer demos made for gamers so they can try playing that possible purchase as well as decide how much they would want prior to investing. Moreover, you can also buy games right then and there, without the need to rush out to the store.

Access to exclusive content – This one of the best reasons for choosing to play online games. You get to have access to the exclusive content for whatever it is that you are playing.

Communicate with other people – Online gaming will allow people to interact while playing, assisting people to maintain great relationships by communicating with family and friends all around the world. Certainly, this will be very helpful for gamers. Team building skills will be reinforced. Also, more tactical and strategic elements will be added to game-play. In turn, this can help increase your memory as well as develop lateral thinking.

Competitive – It allows you to compare your playing against different players. There will certainly be a feel good factor in knowing that you are a far better player than somebody else. Being aware that you are not against artificial intelligence will install more competitiveness. And since you are not always going to be the best, you will learn how to display good showmanship.

Disadvantages

System updates – If you are about to download the game you want or perhaps play online, there will be a time when a system update suddenly pops up and delay your game-time. You need to wait for it and then reboot.

Server issues or glitches – Glitches are viruses in game causing it to run irregularly. This is actually an issue with all game types; however, they are more common to online games. You may experience a series of server difficulties that are very frustrating for gamers.

Piracy – There has been incidences of breaching copyright laws, scandal, and letting users to pirate games illegally. And these situations have presented a big problem for the world of online gaming. In fact, the scandal caused plenty of controversies so there are some games that were shut down.

When playing online games, consider knowing some of the pros and cons involved in it. And if you have finally decided to engage into it, know that there are affordable gift cards you can buy so you can purchase the games you want. More about online cards here.



Source by Sophie L Brandon