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

Make Your Event a Work of Art With Hired Furniture

Events today are a high-stakes occasions. They are hosted to help brands boost their presence in the market by reaching out to the niche. Obviously, a lot rides on them given the brand building goals set by entities. It's that natural to give attention to detail for your event and make it a super success of the desired variety. For that, furniture do have a big role to play as not only they can lend a visual appeal to the occasion but also give guests plenty to look forward to. No matter what kind of event is rented, right furniture can make difference to them all.

Further, businesses need not bother about spending too much money to get the choicest of furniture put into places to enhance the appeal of the event. In fact, there are companies that rent out furniture so that events of any nature can realize its true potential and give hosts plenty to be proud of. Be it sofas, armchairs, chairs, tables, stools, poseur tables, coffee tables, bars, plinths or DJ booths – all can be hired to make the event special in true sense for sure. Event managers can hire them at an affordable cost and lend a unique touch to the area where the occasion is hosted.

Similarly, it's possible to hire theme-specific furniture and let brand messages delivered in a mixture way. Whether the chosen theme is classic or contemporary, whether it calls for glitz or glamor, or needs plain simplicity, there will be appropriate furniture to meet all occasions and specifications with T. In fact, it's also possible to choose right colors, designs, hues and patterns with your furniture and amplify the aesthetics of the surrounding to a great level. It will not matter what quantity is needed as there are companies ready to rent as low as a couple of pieces of furniture to make your events stand out in true sense.

For brands, the concept of hiring event-specific furniture is worth leveraging as they have to work on virtually every aspect to reach out to the audience and get the messages through. It does not matter whether the event is a product launch party or wedding or get-together or corporate gathering – they all will shine with a unique glow when visually stunning pieces of furniture are provided to them. To top it all, there is also the possibility to utilize the power of technology by having new-age furniture for your occasion and leave the guests awestruck in genuine sense.

In overall, furniture hire is a splendid concept to benefit from and take events to an equivalent new level. With furniture available in all hues and shapes and designs, there can not be an easier and better way to have visual sparks to the event matching with the theme and sensibility of the occasion. This is how you become able to put your brand in focus and catch the attention of the audience. After all, nothing will work as much for brand building as well-planned events do and you have to better understand that.



Source by Abhilash Tyagi

Common Auto Repair Ripoffs

According to the California Bureau of Automotive Repair, there are over 25,000 consumer complaints filed concern fraudulent auto repair every year. Car owners lose an estimated $ 20 million annually on unnecessary car repairs. And while most shops are, in fact, honest, it's easy to see how dishonest mechanics can take advantage of customers: most people know little or nothing about car repair. But to avoid falling victim to auto repair rip-offs, it's good to know about the ones that are commonly used.

False Estimates
This scam happens when mechanics give you a low initial repair estimate, only to hike up the costs when you come to pick up your vehicle after repairs have been done. The excuse for the extra costs will usually be that new problems were found during the work and they needed immediate fixing. Most people end up paying the hiked up price because they have no way of verifying the legitimacy of the mechanisms' claims. Get all estimations in writing and signed to avoid falling victim to this scheme.

Shady Highway Shops
Car shops located along the side of the road cater to car owners who automobiles break down in the middle of the highway. They will sometimes charge exaggerated prices and bill you for extra repairs because they know that you'll likely pay the extra money rather than get stranded in the middle of the highway.

Hook Deal Scams
When auto shops advertise ultra low or free deals on oil changes or tire rotations, their plan is to get you in for the low-cost / free service and then convince you to purchase more expensive repair services based on the recommendations they come up with after inspecting your car. Dishonest mechanics will sometimes make up problems or cause them themselves in order to get your money. If a suggested repair does not seem right, get a second opinion before agreeing to the job.

Unnecessary Part Replacements
Some mechanics will try to convince you that a part of your car needs immediate replacement, when in fact the part is not broken and works just fine. To avoid falling victim to this scam, always ask to see the part that supposedly needs replacing. If it does not look broken, get a second opinion. And ask to keep the old part to make sure that a replacement was actually performed.



Source by Ryan Frank

Car Repair Service

Car repair service is something that it’s worth spending some time doing a little research about in order to find a  shop that’s a good fit for you and your car. As with most services, it  pays in the long run to spend some time shopping around for a good, honest car repair shop.

Time spent finding the best Boulder auto repair facility for you and your car is an investment of time and effort that will give you peace of mind and could potentially lengthen the life of your car. It’s something that you should only have to do once or at least not very often because once you find a good auto shop, you will become a long-time, loyal customer for many years to come

Perhaps one of the best indicators of a quality Boulder car shop is the word of mouth that gets around about it. In Boulder, word can spread quite easily via the student population at the University of Colorado, especially with all the social media avenues of communication that students use every day, including Twitter, Facebook and MySpace.

So, in the context of social media at CU, a good repair shop can quickly have loyal customers who are willing to let others know about the best Boulder car repair service they have found in town because it just outshines all their previous experience with other shops in the past. Do some searches in Twitter or Facebook looking for students talking about their experience with local car shops.

Another place to find Boulder locals talking about local repair shops is on some directory type of websites that allow readers to write reviews. When you do a search in Google for Boulder car repairs, some websites you will find in the search engines will have customer reviews. You need to be a little careful here and not swallow everything you read whole.

Sometimes a review will smack of a competitor trying to bad mouth a decent repair shop. If most of the reviews are positive and plausible, one or two really negative reviews would not necessarily steer me completely away from a car repair shop, especially if the auto shop has been in business for several years.

Having said that, if I find numerous negative comments about the same Boulder repair shop on several sites by different people, that will get my attention and I will probably not consider trying that shop.

Another tip for selecting a good car repair shop in Boulder is to choose an auto shop where the technicians work on several different makes of cars-both foreign imports such as Volkwagen, Subaru, Toyota, Honda, Audi, Porsche as well as domestic cars such as Ford, Cadillac, GMC, etc. You will be able to tell by the Yellow Page ad or the shop’s website. For example, the local shop called Bolder Auto has a website where they talk about what specific makes and models they like to work on.

When a mechanic has a variety of experience working on different makes and models, it gives him a much greater understanding and insight into how cars work (or don’t work), not just for repairing a Toyota but Subaru, Honda, Audi, VW, Porsche–any brand.

It’s always a good idea to ask the person you deal with at the local Boulder shop if the guys who will be working on your car have Automotive Service Excellence certifications which are also known as ‘ASE certifications’. These ASE certifications are a good way to validate a mechanic’s skills to work on any type of vehicle. These are national certifications and not specific to Boulder or Colorado only.

Another tip for finding a good Boulder car repair service is to start looking before you actually need one. Then you won’t have to settle for just trusting that the repair work will be done correctly because you have no choice.To start, find a local shop that’s running a special for an oil change or some simple service you need and make an appointment. See what  kind of experience you have and go from there.

There are lots of Boulder car repair shops to choose from, so narrowing your choice before you actually take your car to the shop will require a little time applying the tips above to find the shop that best fits your need in the local Boulder community.



Source by Riley Wells

Car Insurance Online – A Quick And Painless Experience!

Consider the following for a second: If you need to find holiday accommodation, where do you start your search? Generally on the internet, right? If you need a contact number of somebody who can do some landscaping design in your back garden, where will you look for such a person? Once more, the internet will be a great place to start! Then why, if we can find anything from flight tickets to plumbers and furniture stores online, can’t we obtain our car insurance online?

For starters, if you are of the opinion that it is impossible to get car insurance online, you must be living under a rock! Or perhaps a far off-galaxy without internet, in which particular case I will need to apologize for my statement.

We are living in the digital era – where letters and faxes have been replaced by e-mail, where waiting in lines at the bank have been replaced by online banking, and where we can even steer clear of going to shopping malls by making our purchases on the net.

Do you remember when the world wide web was just introduced a bit more than 10 years ago? When we were still using dial-up modems at the “ridiculously fast” connection speed of 48 kbps per second? And where the connection dropped at the most annoying times and we had to battle to get back online? Even that is now something of the past and many people have access to high-speed ADSL lines or wireless connections.

Getting back to the subject of insurance though – there are so many resources available online that you can even decide how you would like to obtain your insurance quotes and other information. You can decide on which insurance provider you want to use, log onto their site and contact them directly. Or you can visit one of the numerous insurance portals available. These insurance portals are absolutely brilliant as you only need to complete your details once and you will be provided with up to 5 quotes from various insurance carriers!

Before you log onto the web and start your search for car insurance online, just be sure you have all the required info available. Remember that your car insurance premium would be influenced by a number of factors. This includes how old you are, the type of car you drive, the value of your car, the purpose you mainly use your car for, your preceding claim record etc. Make sure that you have all these info readily available so that there won’t be any waiting times as a result of half completed applications.

Remember that the insurance industry is a very competitive industry. Don’t simply accept the first policy or premium that you’re offered. One must always compare a minimum of between 3 and 5 quotes, even more if possible! Don’t hesitate to compare the prices, but also remember that price is not everything! It is essential to understand how one policy is different from the next and which policy will be the best for your specific requirements (and wallet!)

Finding car insurance online is really not a struggle – don’t delay, get it done today!



Source by Felicity Marksman