Health and Dental Insurance Quotes - Applying Online

Health and Dental Insurance Quotes - Applying Online

Since
2001, large health and dental insurance companies such as BlueCross and
GE Financial have offered health insurance online. As a result,
individuals and small business owners have more options when purchasing
insurance. Consumers can access quotes for premiums and coverage plans
to find the most affordable package for their needs.

Determine Your Needs

Health
and dental insurance is not just about finding the lowest premiums. You
also need to factor in the costs of co-pays, deductibles, and maximum
benefits. Determine how often you see a doctor and how much you can
afford to pay in medical expenses. Too little coverage can set you back
financially if you have an unexpected hospital bill, so make sure you
have enough coverage to protect yourself.

You should also be
aware that pre-existing conditions are not typically covered for the
first 12 months of the health or dental insurance policy. This is
common whether you receive coverage from an employer or purchase it
yourself.

Start Getting Quotes

Online health and
dental companies are dominated by traditional insurance companies, not
shady entities. These traditional insurance companies use the internet
to allow you to research their financial records, terms and conditions,
and customer service practices. The internet has also increased
competition between providers, resulting in more affordable options for
individuals and small business owners.

Comparing Quotes

When
you request a quote online for health or dental insurance, the company
will give you a base rate quote, what an average consumer will pay in
your area with average health conditions. The more information you
provide, the more realistic the quote will be. Base quotes allow you to
quickly compare plans and prices, without having to submit answers to a
tedious amount of questions.

The Official Quote

To
get an official quote, you will need to fill out an application with an
insurance company. Typically an insurance company will require access
to your health records, submitting to a medical exam, and providing
answers to a detailed questionnaire. The insurance company uses the
information to determine your risk to give you an official quote.

Once
you have an official insurance quote, the paperwork is practically
finished so you can quickly have health and dental insurance. The
entire process can take up about four weeks.

To view our list of
recommended companies online that provide health insurance and can help
you compare quotes, visit this page: Recommended Insurance Companies Online.

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The Right Auto Insurance Can Save You Money!

The Right Auto Insurance Can Save You Money!

Auto
insurance is a protective feature that everyone needs who owns a car.
Auto insurance allows you to have financial coverage in case you are
involved in an auto accident; regardless of who is at fault. When
shopping for auto insurance keep in mind that rates will vary
dramatically for the same driver, depending on which company you ask.
The key to savings lies in comparing many auto insurance quotes, to
find the insurer that will give you the best rates.

If the auto
insurance company youre investigating is sound then its possible to
purchase cheap auto insurance coverage that will give you peace of
mind. Most states require you to purchase a minimum amount of auto
insurance. In order to even drive your car you need to have at least
liability insurance, in other words you have insurance to cover the
expenses of the other party if you cause an insurance. If you are at
fault in an accident, your liability insurance will pay for the bodily
injury and property damage expenses caused to others in the accident,
including your legal bills.

There are some insurance companies
that offer discounts to those drivers who put fewer than a
predetermined number of miles on their cars each year. Considering the
high price of gasoline, carpooling and taking public transportation
such as buses around town can help you save more than just premium
dollars.

Youll find that there are many places to locate cheap
auto insurance to not only save you money but to also give you adequate
coverage and protection.

Take your time to look around and youll find that you can save on your auto insurance rates.

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Disability Insurance

Disability Insurance

Disability
insurance is a form of insurance designed to provide periodic income to
a policyholder in the event of his/her inability to work as a result of
sickness or injury. Disability insurance with coverage for periods
longer than six months is termed long-term disability insurance.
Typically, disability insurance policies are designed to pay forty to
sixty percent of an insured persons actual earnings on tax-free basis.

Disability
insurance may be purchased by individuals, provided by the government,
or included in insurance packages provided by employers. Most
employer-provided disability insurance coverage ends in the event of
termination or change of a job. Several states in the U.S. manage a
public disability insurance coverage scheme, which is funded by payroll
taxes.

Among the most important factors to be considered while
opting for a disability insurance policy are definition of total
disability and renewability. The three basic definitions of total
disability are own-occupation disability insurance, income-replacement
insurance, and gainful-occupation coverage. The basic types of
renewability features widespread in disability insurance policies are
non-cancelable and guaranteed renewable, guaranteed renewable, and
conditionally renewable.

Other fine points to be evaluated for a
disability insurance policy are residual disability insurance for
persons actively engaged in their jobs but restricted due to sickness
or injury; presumptive disability insurance that offers protection in
the event of severe disabilities; and recurrent disability insurance
for protecting against disability occurring soon after recovery from
disability. Details such as elimination period, benefit period, and
policy exclusions must be carefully addressed. Optional riders commonly
available with disability insurance are cost-of-living adjustment,
future-increase option, automatic-increase rider, and
socialinsurance-substitute rider, in addition to residual-disability
insurance.

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Buying Used Cars

Buying Used Cars

When
looking to buy a second hand car you should be extra careful and
vigilant as purchasing a car from a private sale does not usually come
with the reassurance of a warranty.

Used cars have one major
advantage over buying a brand new vehicle and that is the price. Used
cars, even if only a year or two old are substantially cheaper than new
cars. From the moment a vehicle is driven off a dealer's forecourt the
depreciation begins and in the early days the price drop is
disproportionate to the vehicles actual wear and tear.

If you are
not mechanically minded yourself it is probably a good idea to take
someone, preferably a mechanic with you or better still instruct a
specialist engineer to examine the vehicle on your behalf. Although
this will increase your budget it will not only give you peace of mind
but will undoubtedly be money well spent if a serious problem is
discovered.

Take your time and do not rush into a purchase just
because you think you will lose the sale. Remember there are thousands
of used cars out there to choose from.

Decide on your budget and
stick to it! Make sure you have included tax, insurance and any
accessories you might need on top of the actual cost of the car in your
budget. Make sure you are buying the right car for your needs. If it's
a family vehicle you are looking for to ferry the kids around, do not
get carried away looking at two seated roadsters. It's easily done!

Make
sure you research thoroughly and buy several magazines and guides from
your local newsagent. This will help you have a better understanding of
prices and market trends, as you will find thousands of used cars
listed.

When viewing any used cars make sure you do it in the
daytime preferably at the seller's home address. Daytime viewings will
ensure that any defects to the bodywork are easily noticed and viewing
the vehicle at the seller's home address will give you an idea of how
the vehicle has been maintained. If the vendor wants to carry out the
transaction elsewhere demand that it is a public place. This is for
your own safety, as you do not know who you will be dealing with.

It
is quite normal for used cars to have had several prior owners so do
not be put of by this, but do check the cars log book and service
history carefully making sure the documents are in order and all the
dates and records check out.

Carry out a H P I check to verify
the cars history. You will be able to determine if the vehicle has any
outstanding finance or if it has been stolen. Also this check will
determine if the vehicle has been subject to an insurance write off or
if the mileage has been altered.

Ask the vendor as many questions
as possible about the cars history, especially the reason for sale.
That said; do not take any reply as an absolute truth!

Take as long as you want with your inspection

Checking the Interior

Ensure
all the electrics, including mirrors; windows and central locking are
in good working order. Test the seat belts click into their sockets and
retract properly. Check the wear on the foot pedals, as this will give
you an indication if the vehicle has covered an excessive amount of
miles. Lift any seat blankets, which may be hiding burns and stains. Do
not be afraid to check under floor mats and upholstery for rot and
corrosion. Feel around for any damp or water residue and when inside
have a good sniff for any mould or pet smells, as this is a sure sign
there may be stains or damp lurking somewhere.

Exterior inspection

Look
down the sides of the vehicle as some used cars would have suffered the
odd bump or two in their time. Check to see if the panels are in line
and free from any filer. Make sure there are no irregular gaps between
the doors, bonnet and boot. Check the colour match on each panel for
signs of a respray. Feel under the wheel arches and seals for signs of
rust.

Most used cars will need some money spent on them and
normally this will be tires and exhausts. The minimum tyre tread is
1.6mm so check all the tyres have at least this depth and factor
replacement costs into your budget if they are near the mark. Inspect
the exhaust, and check that it is not noisy or blowing.

The Engine

Check
the engine oil and ensure that it is brown and transparent. Make sure
the paintwork in the engine bay matches that of the cars exterior.
Check for leaks on hoses and pipes before and after the test drive.

When the engine is started it should idle smoothly. Listen carefully for any irregular rattles or grinding sounds.

The Test Drive

Do not be afraid to ask for a test drive, preferably with you driving the vehicle.

If
possible drive the vehicle on a variety of road surfaces so you can
feel the cars handling. Check the suspension is solid and the vehicle
holds a true line. Listen for any grinding when the steering wheel is
at full lock. Once the vehicle is moving listen for any irregular
engine noises.

Closing the Deal

Once you
are satisfied the vehicle is for you and it has passed the above checks
do not be afraid to haggle over the price. Most sellers of used cars
are prepared to negotiate over the original asking price. Where
possible try to get the seller to include any extras or accessories.

An important point to remember is not to feel pressured into buying a car no matter how good the sales patter is.

If you have any doubts about the purchase then DO NOT BUY as there are many other used cars out there to choose from.

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Property Taxes and Your Personal Vehicle Save Money

Property Taxes and Your Personal Vehicle Save Money

In
some states consumers can expect to pay property taxes on their homes
as well as on their personal vehicles. Thats right, your 2004 BMW 760i
is a taxable commodity in some areas and it could be a bigger tax then
what you should pay. Are you paying the fair amount of taxes on your
vehicle or are you paying too much? Read on and well take a look at how
you can trim your automotive tax bite.

State law will differ, but
if your state is one that taxes automobiles you can expect a
significant hit every year, especially if your vehicles real value is
up there. There are two kinds of property taxes out there: real
property which includes homes, land, and the like and personal property
which includes your car, truck, van, and SUV. In some states trailers
and boats are also considered taxable real property, so your annual
bite could even be greater.

Again, you must learn how your state
decides its tax rate on your vehicle as it could spell the difference
in what you pay every year. While your BMW may be valued at $33,550 you
know that its real value is far less as you used your car extensively
for business trips. With 167,000 miles on the odometer, your BMW is
likely worth close to $18,000 with that high mileage taken into
consideration.

While real property tax assessments are not
updated annually, your personal property tax assessment should be.
Thus, every year you own your vehicle, your trailer, or your boat, its
value will decline. So, unless a state or county wide tax assessment
has been conducted, you can expect to see your taxes drop every year on
your existing personal property.

You can save money in your
jurisdiction if the state determines that your personal property is
assessed at is true value in money. This means that if you were to sell
your car, it would get X amount on the market.

So, if this should
be the case where you live, can you reduce your BMW personal property
tax burden? According to local law you should be able to do so.
Therefore, find out how you can appeal your taxes and what you must do
to obtain a reduction. It may involve simply bringing your car to the
tax office and letting a tax representative check your odometer. If it
is as easy as that, then you can expect to receive a nice reduction in
personal property taxes on the spot.

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Cheap Motorbike Insurance: Ride Safe!

Cheap Motorbike Insurance: Ride Safe!

Whether
you are a moped rider or a motorcycle rider, you never know when your
luck will turn its back towards you and you get involved in some
accidents or mishaps. Other than this, your motorbike might get stolen.
God forbid if these unwanted things happen; but misfortunes never come
by giving you any sort of notice. The repairing or the replacing cost
of your motorbike might be a headache for you then. Instead, you can
take some preventive measures; buying a motorbike insurance which is
cheap and economical is one of them.

There are basically two types of cheap motorbike insurance policy:

1.
Specified rider policy: This policy specifically covers the rider, not
the bike. You can ride many bikes up to a particular size.

2.
Specified bike policy: This policy will insure the motorbike and not
the rider. If you want to insure a number of riders on the same bike,
this would be a suitable policy.

You can choose from these two
policies the one that will fit your budget the best. Again, there are
certain things that will affect your rate of premium. If these things
are taken care of, then you can significantly lower your premium and
thus avail cheap motorbike insurance policy.

Past driving
record: You can avail cheap motorcycle insurance if you have not made
any claims in the past for driving related accidents.

Security:
If you fit some security features in your motorbike like immobilizers,
alarms, steering locks, then you can easily avail cheap motorbike
insurance.

Type of bike: If your motorbike is a lower performance bike, then you can get motorbike insurance at a cheap price.

Garage and parking: A motorbike kept in a covered and a locked garage will result in significantly lower premiums.

Age: Apart from all these, a middle aged driver can get significantly
the motorbike insurance policy at a lower and a cheaper rate.

It
is important to look around and shop for your motorbike insurance a
little. Only through a detailed hunt for motorbike insurance, you can
locate cheap motorbike insurance. It is also advisable to read the fine
prints of the policy document. You should also choose a cover which you
can afford. Your search for cheap motorbike insurances has become
easier now with the availability of the internet facilities and the
online method of shopping for cheap motorbike insurance. You can
compare hundreds of such cheap motorbike insurance policies and buy the
one that fits your needs that best.

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Exclusive Insurance Leads

Exclusive Insurance Leads

Exclusive insurance leads
are a sure fire way to kick start a stagnant month of life insurance
sales or health insurance sales. There are a number of insurance lead
generation companies that offer both exclusive life insurance leads and
exclusive health insurance leads.

The first and obvious benefit
to purchasing exclusive insurance leads as opposed to shared insurance
leads is that you are not competing directly against other insurance
agents for the same prospect. Common sense of course but not to be
overlooked is the effect that a herd of aggressive insurance agents
eager for a policy can have on an individual or family.

Exclusive
insurance leads will allow you to bypass many of the complications that
are sometimes associated with shared insurance leads.

If a shared
insurance lead is sold to let's say 5 insurance agents at the same time
and each agent makes it their practice to call on a prospect 5 times
and email 3 times to try and win the business then guess what? That is
already probably 20 to 24 calls too many for the taste of most
prospects ([5 agents X 5 phone calls = 25 phone calls] - 1 desired
phone call).And that is not even taking into account the annoyance that
some prospects have at being immediately deluged with phone call upon
phone call.

There are a few insurance leads companies that offer
exclusive insurance leads (most companies that offer exclusive
insurance leads offer both exclusive life insurance leads and exclusive
health insurance leads).

One thing that I have found very helpful
in testing out exclusive insurance leads and also shared insurance
leads is just to simply set up an Excel spreadsheet detailing my lead
purchases from muliple lead companies. After a month or two of
comparing lead close ratios and the dollar value of each lead it is
fairly easy to know which lead company or which lead type (exclusive or
shared) is offering you the best return on your investment.

Exclusive
insurance leads can make or break your online insurance marketing
campaign. If you put the time and effort needed from the beginning to
research the multiple exclusive insurance leads companies then you can
realize a handsome payoff on your purchase of exclusive insurance leads.

Compare
exclusive insurance leads from multiple companies (remember that some
lead generation companies may offer higher than average quality life
insurance leads and lower than average health insurance leads while
another company may offer extremely high quality exclusive insurance
leads and very low quality shared leads, etc.).

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Discount Pet Insurance

Discount Pet Insurance

If
you have more than one pet to insure, many online companies will often
discounts for multiple pets. It pays to learn about pet insurance
before accepting an agreement, since few companies stipulate that the
pets must be of the same breed to receive the discount. Thus, if the
owner has different breeds of animals, such as a cat and dog, then the
company may require that the owner agree to more than one policy.

Still,
if you must take out more than one policy the company may offer
discounts. Bargain hunting is where it is at, since if you search the
market you may find better deals. Scores of pet insurance providers
offer around 10 percent discounts, but few may offer better-discounted
rates. If you are searching for pet insurance over the net, you can get
scores of quotes and compare the rates and coverage of each plan in a
matter of a few minutes.

There are various types of pet insurance
available, including third party liability coverage, which will protect
you if you pet harms, destroys property, causes an accident, and so
forth. The fees attached to liability are often steeper than paying
monthly fees on pet insurance.

Pre-existing conditions may
decrease your odds of getting pet insurance coverage. Thus, if you have
a pet undergoing current conditions make sure you tell the company
ahead of time, since they will often find a measure of coverage to
protect your animal. Of course, you may not receive full coverage, but
any coverage is better than none at all.

If you have a pet and
are insured and the company finds that your pet is undergoing
conditions that possibly existed before the coverage was in effect, you
may not receive reimbursements. Thus, again it is important to inform
the company, even if you suspect your animal is ill. If you stay on top
of things, you will often find friendlier providers that will work with
you regardless of the pets condition. The coverage is needed
regardless, since if you animal becomes ill, or is injured then vet
expenses are often steep. The cost of vet care is increasing daily,
therefore, cover now and save later.

Some pets undergo hereditary
conditions, thus making it difficult to find coverage. Hereditary and
Congenital Conditions are unavoidable and treatment is essential in
most instances. If you are unaware of the pending conditions, you may
find coverage, however most insurance providers will prohibit coverage
for these types of conditions. If you do find coverage and within two
weeks, you find your pet has hereditary conditions, then the claims are
often voided.

Pet insurance companys will insure pets and provide
coverage for chronic illnesses. However, like many health plans or life
insurance policies, if you continue to submit claims the premiums often
increase. Policyholders are under obligation to renew the policies
annually, however, to receive ongoing treatment for their pet. The
Maximum Payout Pet Coverage plans will provide the maximum coverage for
pets. If your pet is undergoing ongoing treatment, then this is the
best plan for owners. The Maximum Time and Payout plans often have
stipulations, including not permitting more than one claim out of a
year on the same condition. The Cover for Life Insurance Coverage is
helpful also, since it stops ongoing payment to owner by offering
reimbursement on multiple visits.

Many claims filed under pet
insurance polices often extend 10 days, and then the owner is paid. Few
companies have various options, stipulations, exclusions and so forth,
therefore, research is needed to find the best affordable plan with the
most coverage. The internet has a wealth of information pertaining to
healthcare coverage and will offer users the advantage of getting
online quotes. The quotes are convenient, since it enables you to
compare and contrast the difference in policies and prices. Finally,
going online to get quotes will help you save money, since you most
likely will find the best plans online with lower premium rates.
Furthermore, you can read all the information upfront to learn what
your pet is offered with the plans, thus saving time.

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Health Insurance and Women's Interest: Are Your Birth Control Pills Covered?

Health Insurance and Women's Interest: Are Your Birth Control Pills Covered?

There
are certain health needs of womens interest that women look for in
health insurance policies. Women are interested in health insurance
polices that cover health issues specific to women. Child birth, as
well as the many months that come before and linger after the birth;
health care regarding female reproductive organs including pap smears
and ovarian, cervical, and uterine cancer screenings; and regular
mammograms are just a few of the health concerns and health care needs
of womens interest.

Fortunately, its not too difficult for women
to find health insurance policies to cover the health concerns and
health care needs of womens interest. Lets face it if a health
insurance company doesnt offer coverage for fact-of-life issues such as
pregnancy and child birth, how many policyholders can they really
expect to have?

Unfortunately, there are still health insurance
companies out there that dont offer certain health care coverage
specific to womens interest namely, birth control pills.

Birth
control pills have been around since the 1960s, and while they were
originally used to prevent pregnancy, they are now taken by many women
for a multitude of other reasons, as well. Birth control pills are
sometimes prescribed by doctors to help regulate a womans irregular
menstrual cycle, help lessen the severe, painful cramping that
accompanies menstruation, and help ease the symptoms of premenstrual
syndrome.

Birth control pills can also help with other health
concerns of womens interest such as helping to prevent ovarian and
uterine cancers, as well as pelvic inflammatory disease.

Still, many health insurance companies do not offer coverage for birth control pills in their policies.

Whether
you already have a health insurance policy, or are in the market for a
new health insurance policy, make sure you ask about the companys
coverage of birth control pills. Theres no sense in paying what one
insurance company doesnt cover, when there are companies out there that
will cover the costs.

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Cars From An Insurance Company's Perspective

Cars From An Insurance Company's Perspective

There
is nothing wrong with wanting to go for your dream car, except that at
some point you will need insurance. It is therefore a good idea to have
a balanced approach and also look at your car from an insurance
company's perspective before you make your decision.

Insurance
companies rely very heavily on all sorts of statistics in arriving on
the insurance premium to charge for your car. This includes statistics
on favorite models for car theft, collision costs and repairs for
various models, fatalaties and so on.

The numbers clearly show
that 2-door cars are stolen much more than their 4-door counterparts.
4-door cars have a 93 per cent less chance of having a claim elated to
theft than 2-door cars. A Buick LeSabre is the kind of car that car
thieves avoid and therefore the chances of theft are almost nil,
according to statistics on car theft. On the other end of the scale a
convertible Chevrolet Corvette is one of the most popular cars with
thieves and has very 5 times the average theft rate.

As far as
car thefts go, sometimes cars from the same manufacturer can vary
widely. The Toyota Celica has a 67 per cent higher chance of theft than
the Toyota Camry.

Then there are the cars that are the most
costly in terms of collision claims. The key factor here is usually the
high cost of repairing and expensive vehicle. In this regard, the Lexus
IS 300 is one of the most expensive vehicles for collision claims.

When
it comes to car safety, some of the leading models may surprise many.
For instance the Porsche 911 has a 67 per cent less chance for injury
claims than the average. On the other extreme, the Mitsubishi Lancer
has almost double the injury claim rate over the norm.

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Auto Insurance - Cut Costs - Not Cover

Auto Insurance - Cut Costs - Not Cover

Auto
insurance is a minimum requirement for a car owner or driver in every
US state, Canadian province and pretty much every country in the world.
If you have a car, then auto insurance is something that you must have,
period.

The downside, however, is that costs are continuing to
rise, so it clearly makes sense to look for ways to reduce some of the
expense, whilst still seeking the best coverage available for your
dollars. So, lets look at some ways of doing this.

Firstly, use
the power of the internet to get multiple auto insurance quotes, as
well as utilizing the services of your local neighborhood broker. Try
getting different types of quotes from the online direct-sell insurance
companies as well as brokers both on the internet and in the real
world. Bear in mind here that the auto insurance that is cheapest isnt
always going to be the best. For example, is the insurance company
known to you? If not, can you be certain that they are financially
secure? How confident are you that they will be able to pay out if you
have to make an auto insurance claim? Will they still be in business
next year or even next week? In other words, if you dont know the
company, check out their credentials before you give them your money.
Not all auto insurance companies are created equal!

The first
slice of the policy is almost always basic liability insurance,
covering your liability to others in case of an accident which either
injures them or damages their property. Indeed, it is possible to ONLY
have this basic cover and still satisfy the legal requirements in many
states and countries.

However, if you only have minimum liability
coverage and you injure someone, their attorney can go after your
personal assets, so, quite correctly, many people (and their insurers)
would suggest that minimum liability is a bit of a gamble.

Auto
insurance costs will vary dependent on the type of vehicle that you are
insuring. Coverage for a flashy sports car or for one in what is
considered to be in a high risk group (soft top convertibles, for
example) is very different from insuring the family sedan or hatchback.
So, when you are thinking of buying a new car, it makes sense to think
about the auto insurance costs before you do so, and maybe you might
buy a car that "looks good" to insurance companies.

For example,
the auto insurance companies are well aware of what type of cars are
most often stolen. If you haven't purchased your car yet, find out what
cars make this "good list" among auto insurers. Consider how much
coverage you really need to buy, and dont over-insure, because the
companies will not pay out more than the value of your car no matter
how much cover you have been paying for.

For example, consider
collision and comprehensive coverage, how much you will be reimbursed
for the loss or destruction of your vehicle. Are you carrying $50,000
worth of collision coverage for a $20,000 vehicle?

On the other
hand, dont make false economies. If you dont want to pay for
comprehensive and collision cover, consider whether you be able to
afford to replace it if it was written off? If not, then you need the
extra cover, although you clearly dont need the extra cost!

A a
general guide, if your car is worth less than $2,000, then it won't be
worth it to buy comprehensive and collision. L ikewise, if your car is
an ancient relic, say, more than 12 years old, then again, you probably
dont need the most comprehensive cover, which can usually give big
savings. Consider bearing the risk of having a higher deductible (or
excess as it is called in Europe), which is the pat of any claim that
you will have to pay before your insurance policy kicks in and pays the
rest. The higher the deductible, the higher your potential financial
risk, granted, but this will also serve to keep your auto insurance
policy costs down.

Buying a low mileage car and keeping your driving licence and record nice and clean will all help keep cots down.

If
youre a single males under the age of 25 then the bad news is that you
are NOT the auto insurance companies favorite type of driver, and you
will pay for it (statistically, this group are most likely to have
accidents). Get yourself a nice sensible car, and leave the Ferrari at
the dealership until you get yourself a wife and pass your 26th
birthday!

Finally, look a other ways that your insurance company
might reward you for taking steps that will reduce the risk of a claim,
such as fitting your car with an anti-theft device or attending an
advanced driver-training course. These kinds of proactive preventative
measures are generally welcomed by the auto insurance companies, and
are rewarded with reduced insurance fees.

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Should You Get An Extended Auto Warranty?

Should You Get An Extended Auto Warranty?

Are
you considering an extended new car warranty or used car warranty? Are
you uncertain of the value of purchasing such a warranty?

It is
important to understand that an extended automobile warranty gives
protection beyond the dealership warranty. On top of other features and
benefits, an extended warranty allows you the flexibility to have your
vehicle repaired at any licensed service center in your area.

In addition to repairing mechanical breakdowns, these extended warranty benefits and options are likely to include:

a) 24 hour Roadside Assistance up to $100 for a specified number of occurrences,

b) Car rental benefits if the car is towed to a repair facility,

c) Trip interruption benefits,

d) Additional towing,

e) Other services such as lock out, replacement of oil, or other fluids, and battery boosts.

Car
buyers often know nothing about auto warranties. They think they are
getting a magic golden wand that will pay for anything that goes wrong.
Not true!

Read the fine print, as even with the best extended
auto warranty service plan, there are exclusions to what is covered.
Often you will find so many items excluded from the warranty repair
that you will wonder what exactly is covered other than the perks of
roadside assistance, car rental, and other emergency services.

Many
websites give tips on how to buy an extended auto warranty online.
Investigate carefully, but remember many companies sell warranties.
Dont buy from the first company you investigate.

Check out
several, making sure the one you settle on is a financially secure
company that administers their own warranties and keeps high enough
balances to pay all repair expenses that stretch into the future. Some
places where you may obtain warranties from are warranty brokers, and
insurance groups.

While your car dealership may offer an extended
car warranty, it is often in your best interest to purchase it
elsewhere as the dealership many times will employ the warranty as a
means to increase their profit by including it in the financing of the
vehicle. This translates to your paying interest on the warranty,
increasing your overall costs than if you purchase the warranty from an
outside company.

Check a credit union, other insurance dealers,
or internet sources for their deals on extended car warranties. Buyers
usually can negotiate the price of a warranty. A rule of thumb is that
buyers may have a margin of one-third to negotiate the warranty.
However, the less age and mileage your vehicle has, the less an
extended warranty will cost.

Before you buy, read service
contracts with the manufactures warranty. These often provide coverage
for three years or 36,000 miles or whichever comes first.

If you
regularly trade your new car every three years, you most likely will
never need a new car extended warranty as new cars tend to be fairly
trouble free during the beginning years. However, if youre unlucky in
life, love, and automobiles, then purchasing a new car warranty would
be a smart move.

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Farmers Insurance - The Protection Worths the Extra Dollars Spent

Farmers Insurance - The Protection Worths the Extra Dollars Spent

For
farmers, money is often tight. A farmer is at the mercy of the
elements, and his or her crop is what feeds his or her entire family.
Losing a crop is a terrible thing, but so is losing the equipment that
is required to tend to that crop.

For farmers, there is
protection against at least a little of that danger, and the protection
is well worth the extra dollars spent. It may mean tightening a belt or
two to funnel extra money into farming insurance, but the extra effort
is worth the rewards should something happen to your livelihood.

A
hailstorm could ruin an entire crop, but your farming insurance will
help you to recover from what would otherwise be a debilitating loss to
your finances and your way of life. The protection offered through the
farming insurance might mean that your farm is saved to plant again
next year.

Damage to your equipment can be almost as
debilitating, if not more so, than damage to the plants that are your
life. A tractor that stops running is as much use as a pile of dung in
your fields, but your farming insurance can help you to repair or
replace the tractor. The same protection extends to the truck that you
use to haul farm equipment or the trailer that you transport your
animals in.

If you are a rancher then your cattle are protected
under a similar policy, meaning that should they become too sick to
sell, you will be covered for your losses. Your transport vehicles are
protected, and your life can go on as normal after what would normally
be a terrible disaster.

Farming insurance also protects your
outbuildings from things like fire and flood, almost like a home
owner's policy for your barn. The outbuildings themselves and all of
their contents should be protected from damage by your farming
insurance policy, so that you can rebuild quickly should disaster
strike.

Irrigation equipment is also covered under most farming
insurance policies, so that if someone takes a detour through your
fields and damages your equipment, you are protected. Many farming
insurance policies also cover liability insurance, meaning that if
someone (like a crop picker or a child on a tour of your farm) is
injured while on your property, you are protected from having to pay
for the treatment of the injured party.

Protecting yourself from
these eventualities now might seem like a waste of money that could be
spent elsewhere, but when the worst happens you will be more than glad
for the protection that you are offered. A little money spent every
month now can be the difference between having a hitch in your giddiup
and complete ruin.

That little bit of extra money offers
protection from so many diverse disasters, from the ruin of your crops
to the death of your animals. The protection ranges from your equipment
to your farming vehicles, and covers everything from your outbuildings
to your irrigation systems. Farming insurance protects you from
disaster.

Check with a local insurance agent to see what you can
protect, and what is covered in the best policy for you. Every state
has different insurance rules, and each state has a different policy on
what crops are insurable on a local level. Spend the money now, and
your trees/grape vines/corn are safe for tomorrow.

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Bridging Loan Basics

Bridging Loan Basics

A
Bridging Loan is a short-term loan used as a way to provide funding for
the purchase of a new property while the borrower awaits the sale of an
existing property. Unless all the stars are in perfect alignment, its
tricky to coordinate the sale of one property and the purchase of
another property in such a way that the transactions occur
simultaneously.

A Bridging Loan or Bridging Finance as it is also
commonly known, makes such transactions possible. They keep the
borrower from getting stuck in a rough financial corner, which
typically means being forced to pay two mortgages at the same time.
Bridging Loans can be used either for commercial or personal reasons.

Short
term in nature, the application process for a Bridging Loan is similar
to that of a standard loan. Most importantly, its advisable to work
with a lender that is experienced with this type of loan. Plus, as the
need for a Bridging Loan often arises with little advance notice, being
pre-approved for such a loan is a smart move.

Bridging Loans are
usually interest only meaning that the borrower pays only the interest
on the loan each month. The borrower continues with this repayment plan
until the property the loan is being used for is sold. When the sale
finally does occur, the proceeds of that sale are used to repay the
principal. The principal payment typically is in the form of a
one-time, lump-sum payment.

The lender need not be too concerned
about default because the borrower is required to put up collateral to
secure the loan. This is typically in the form of another piece of
property. But rest assured the lender will still thoroughly review the
credit history of the applicant, the business and any partners or
others with an ownership interest to assess the level of risk it is
undertaking. Poor credit however need not be an obstacle.

The
interest rate on a Bridging Loan is based on several key factors: the
potential risk associated with the loan, the current interest rates and
a premium added by the lender. As Bridging Loans are short-term,
generally not longer than two years, and in most cases only a metter of
months, the lender has only a short time to make a profit on the deal.
The profit is derived from the interest rate.

Expect to pay a
higher rate of interest for a Bridging Loan. And remember, the monthly
payments are generally interest only. You should also expect to pay off
the Bridging Loan in full, usually as a one time payment, as soon as
the property is sold.

In the off chance that the property is not
sold before the Bridging Loan matures, it can usually be converted to a
conventional loan without a payment penalty. But as ever you should not
assume this is the case and be sure to check with your lender that this
is an option if circumstances call for it.

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Young Driver Car Insurance Lower It with Education

Young Driver Car Insurance Lower It with Education

Car
insurance can be expensive enough as it is without adding additional
premium hikes. Unfortunately, young driver car insurance is usually
much higher than car insurance for older, more experienced drivers.




Did you know that most automobile accidents involve young drivers, and
most fatalities caused by automobile accidents involve young drivers?
Its sad but true. While we want to protect our young drivers, we cant
feasibly stop our young drivers from obtaining their drivers licenses
until they are older and more experienced. Besides, they wouldnt be
able to gain that crucial driving experience if we did.



One of
the most important and beneficial ways to lower young driver car
insurance is to enroll your young driver in a driver education and/or
driver training course. Not only could it help lower young driver car
insurance, but it will also teach the young driver valuable lessons in
driving.



Driver education courses will teach your young driver
how to operate a motor vehicle safely, quite possibly in a variety of
driving conditions as well as in problematic situations that may arise.
Aside from the driving experience, driver education courses will teach
your young driver the importance of vehicle maintenance and how the
condition of the vehicle will affect the vehicle operates. These
courses also teach drug and alcohol awareness.



Most U.S. high
schools offer these types of courses in their curriculum, and some even
make these courses mandatory. These kinds of driver course are also
offered by many states throughout the country, and some states require
that new drivers enroll in and successfully complete these courses
before they can obtain their drivers licenses. You can also have your
young driver take a driver education course online. Sure, this isnt
going to provide them with the actual driving experience, but when used
as a supplemental teaching tool, an online course along with your
driving instruction can help make them safer and more responsible
drivers.

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Travel Insurance: Prevention Is Better Than Bills

Travel Insurance: Prevention Is Better Than Bills

It
is really fun going on a holiday trip. You will be so busy strolling
around, doing what you do not usually do, like skiing, windsurfing and
other activities worth spending your holiday with. Outdoor trip is
really fun and entertaining. You are enjoying snow boarding but
suddenly you broke your leg. We dont know when accidents may happen. It
is just practical to get a travel insurance plan.

Travel
insurance plan is a way to minimize the considerable financial risks of
traveling. These risks include accidents, illness, and missed flights,
canceled tours, lost baggage, emergency evacuation and getting your
body home if you die.

Each travelers risk and potential loss
varies, depending on how much of the trip is prepaid, the kind of air
ticket purchased, your state of health, the value of your luggage,
where youre traveling, what medical coverage you already have and the
financial health of the tour company or airline. For some, insurance is
a good deal; for others, its not.

What are the different types of Travel Insurance?

1.
Interruption insurance and trip cancellations. It covers financial
penalties or losses you encounter when you cancel a prepaid tour of
flight for an acceptable reason. These might include you and your
family members who cant travel because of sickness.

It might also
include you business partner or airline that goes out of business or
cant perform as promised. It is also possible to cancel if you have a
family member who is sick. For a good reason such as a car accident or
inclement weather, you miss a flight or need an emergency flight. In
other words, if you or your travel partner breaks a leg a few days
before your trip, you can both bail out and neither of you will lose a
penny.

And if, a day into your tour, you have an accident, both
of you will be flown home and youll be reimbursed for the emergency
one-way return flight which usually costs far more than your economy
round-trip fare and whatever portion of the tour you have not used.

2.
Medical insurance cover medical and dental emergencies. Check your
health plan before getting a medical insurance because you may be
already covered by it. Search for benefits and deductibles and the
procedures for reimbursement of the emergency expenses.

3.
Baggage insurance is included in the most comprehensive policies, but
is rare to buy separately. This actually the insurance for your items
such as jewelry, eyewear, electronics and photographic equipments. If
the airline checked your baggage, it is already covered by the
airlines. Homeowners insurance is cheaper and youll have coverage even
after your trip.

4. Flight insurance is crash coverage, is a
statistical rip-off that heirs love. It's basically a life insurance
policy that covers you when you're on the airplane. Since plane crashes
are so rare, there's little sense in spending money on this insurance.

5.
Comprehensive travel insurance it covers all, airfare, car rentals,
tour etc. it depends on you age. This can be a better deal for
travelers with less of the trip prepaid because coverage is the same
regardless of the premium you pay. Some comprehensive policies also
cover collision damage, which allows you to avoid paying your
car-rental company for collision damage waiver CDW insurance.

Never
buy travel insurance from companies with no names. Not all insurance
companies are licensed. You do not have a case if you claim problems
with a licensed company with no license. Most of the licensed insurance
companies are open 24 hours.

Getting travel insurance is as good
as securing your familys health. It is making sure that everyone is
properly protected, including the loss of your passport, money or
luggage, travel delays, missed departures and incurring legal expenses.
It is like you are sure you are having a safe trip.

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Getting Cheap Term Life Insurance

Getting Cheap Term Life Insurance

Many
people considering life cover will look for cheap term life insurance,
because it is probably the simplest and least expensive way to protect
their partners and familys financial future in the unfortunate event of
their death.

If you have dependants or a mortgage, then it makes
sense to take out life insurance. A life insurance policy will help
repay the mortgage on your home after your death, ensuring that your
partner and/or family will not be left with financial difficulty to add
to their grief.

As an example, your term life insurance policy
can match the repayment term on your mortgage so that if you die before
the end of the mortgage repayment term the life insurance lump sum will
clear your mortgage debt.

While there are plenty of life
insurance policies out there such as index-linked or joint life, it can
be confusing knowing which policy is right for you. Also, the more
convoluted insurance you buy, the higher the premium you will pay and
that is why cheap term life insurance is an option favoured by many
people.

Term life insurance is the cheapest form of life cover,
paying out a lump sum if you die within a specified period. If you are
still alive at the end of the term, then no payment is made hence why
premiums are so cheap as the insurer cannot justify charging a huge
amount for your premiums as there is no investment element to a term
life insurance policy.

No one wants to pay more than they have to for their life insurance, so how do you go about getting cheap term life insurance?

First
of all, life insurance premiums are now up to 40% cheaper than they
were a few years ago due to advances in medicine helping us all to live
longer, so now may be a good time to either check your existing
arrangements or take out a policy.

It is always a good idea to
get several life insurance quotes before applying for a policy. This is
because premiums - even for the cheaper type of policies - can vary
from provider to provider, so by getting a life insurance quote first,
you can shop around for the most competitively priced life insurance
policy.

You can get a life insurance quote from a number of
places, such as your bank or other financial organisation, but probably
the quickest and easiest, no-hassle way to get a quote is to do it
online. There are websites that will give you an immediate online quote
so that you can get a feel for how much your premiums will be.

Remember,
however, that quotes are a guide only and they could change once you
have completed a full application. However, if this does happen and you
are not happy with the premium, you are not under any obligation to
proceed with the policy.

Remember that when applying for life
insurance, you should always tell the truth on your application form no
matter how negative you feel it might be. For example, if you are a
heavy drinker or smoker or you dont disclose your full medical history,
you will get cover that may not be valid. This means that should you
die and it turns out you lied on your application form, the insurers
legally dont have to pay out your claim.

Finally, dont forget to
check out the terms and conditions offered by the different insurers so
that you can compare quotes on a like-for-like basis and get the cover
that best suits your circumstances.

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