Thursday, September 9, 2010

Saving money wherever you can is important to us all. Car Insurance should be no different. Do not assume that your insurance agent knows everything about you and your car. At HometownQuotes we go out of our way to find all the possible car insurance discounts that are available to each customer.
Drivers should take advantage of all discounts that many providers offer, that can significantly reduce the cost of car insurance. Understanding discounts and how they can affect car insurance premiums can help smart shoppers make better decisions about their coverage and possibly save themselves some money in the process.
Read below to identify possible discounts that could help you save money on car insurance this year. Other than discounts, there may be some other ways for you to save on your insurance premiums. We will go over several discounts that can help with your current situation.

First, there are discounts for Car Safety features. Certain states will give you discounts for anti-lock breaks. Make sure you know if it is two or four wheel anti-lock break vehicle. Automatic seatbelts and airbags are frequently discounted on your insurance premiums. In most states, a defensive driver class discount may apply. If the principal driver usually 55 years old or older has completed an approved defensive driving class a discount could apply. Keep in mind that most states will only approve this class if it is voluntary meaning that it was not the result of a violation or infraction.
Some insurers will give you a discount for having multiple cars. In some cases, this will only apply if you have two or more drivers. If you have a clean driving record, meaning you do not have any tickets, accidents or suspensions in the last three years (some companies require five years) then you could be eligible for a safe driver's discount.
Many insurance companies will reward you with staying with the same insurance company for many years without any accidents reported. They will offer you a renewal discount. It makes sense, you have carried insurance with a company for several years, and have not had an accident, your insurance company likes you and wants to reward and keep your business. Some companies honor you with a discount if you had prior limits on your previous policy. They discount you because they understand you are a better risk.
Conversely, if you do decided to change insurers a proof of prior insurance discount may apply. Most insurers request at least 6 months of consecutive insurance from the previous insurer. If you are a full-time student who meets certain grade requirements and are unmarried and usually under 25 years of age (some states the age is 21) you could be eligible for a good student discount. If you own a home, including condominium, town home, or mobile home, which is used as a principal residence, a discount could apply. Military personnel either currently active or retired from any branch of the US military a discount could apply. If your vehicle is equipped with an anti-theft device, a discount could apply.
You could lower the cost of your car insurance in other ways as well.
For people who own older cars, it may not be necessary or cost-effective to protect them with collision and comprehensive coverage. By comparing the book value of your vehicle and the premium that the insurer has offered, you may find that it cost as much for the insurance as it does for the vehicle. If the car is worth less than $2,000, you will probably spend more insuring it than it is worth. The whole idea of driving an older car is to save money, so why not get what is coming to you.
In addition, keep in mind that the type of vehicle you buy could greatly affect your premium. A flashy red sports car is usually going to cost more to insure than a mid sized sedan. This is also true of vehicles that are on the list of most stolen. There are many ways that policyholders can save on their insurance. Knowing more about auto policies and premiums can help consumers take advantage of less obvious discounts while ensuring that they have the appropriate protection for their vehicles. The last way to save is to assume more risk. If you chose higher deductible on your Personal Injury Protection or Comprehensive and collision coverage will lower your premium as well. The deductible is the amount of money you have to pay before your insurance company begins paying the rest.
Understanding how discounts affect your car insurance rates is important to save you money.

Chances are you are paying too much on car insurance. How can I say that? Simple. Most people can't be bothered to research short-term insurance companies. There is no reason in today's technological age for anyone to pay too much for insurance. The Internet is a fantastic tool that's available to most people and it makes researching our choices as easy as one, two, three!
So why don't we? If we all realize that the Internet can force insurance companies to be more competitive, they will do just that. They will have to offer more comprehensive packages and at lower rates. Please keep in mind the following list when assessing your car insurance policy that may save you quite a lot of money at the end of the day.
There are five main ways to lower your insurance premiums. They are:
1. Keep your driver's record clean.
2. Research all the discounts you qualify for, and claim them!
3. Don't drive 'high risk' vehicles and make sure you equip your car with safety devices that will lower your monthly premium.
4. Adjust your coverage to carry more risk i.e. Take a higher excesses.
5. Shop around for a good, low cost insurance provider.
There are a number of discounts you may qualify for, and I'll go over them briefly...
Safety devices and assuming more risk
Fit your vehicle with a tracking device (if you can afford it), an alarm, gear lock and as many different safety devices as you possibly can. This will more than likely lower your monthly premium considerably. Also, most insurance companies have deals worked out with vehicle tracking companies that will offer you a lower monthly subscription.
Also, consider a higher excess. You are not planning on being in an accident or having your car stolen. If things worked like that, we wouldn't need insurance in the first place! Always remembering to drive cautiously and always obeying the traffic laws will lower your risk considerably and make the chances of you having to pay over a large excess much lower.
Combined insurance and renewal rates
Try and insure all your home contents and cars on the same policy. This will most likely save you a significant chunk of cash every month. Also, ask for a discount after a few years of claim-free insurance, as you'll be a loyal customer. They probably won't want to lose you as a customer and will lower your premiums.
Occupations that are lower risk
It sounds silly, but over the years insurers have created a risk profile of prospective clients based on their occupation. Architects and engineers, for instance, are less likely to get into accidents than for instance, a DJ or a bartender.
It's never a bad idea to ask your prospective insurer if your occupation will affect your premiums.
Hopefully you will take to heart all or some of the tips provided in this article, but always 'Shop Around'! To find the lowest possible car insurance premiums you will need to compare, compare and compare some more! Good luck.

Prepare for the anxiety attacks now, before your teenager gets their drivers license. Chances are that they will want to spend some time behind the wheel of your car as you worry over their safety and skyrocketing auto insurance premiums. It is statistically proven that teenagers are far more likely to be involved in a collision than any other driver on the road. This makes premiums for teen drivers the highest, which is why you need to search for cheap car insurance quotes. And you can start now with the helpful strategies listed in this article.

First and foremost, you should sign your teen driver up to your policy. It may sound ludicrous to do so, since he or she is statistically likely to bump up your insurance rate. However, it’s cheaper to do so, since you will save money for signing up a new driver to your auto insurance policy. To keep cost down even further, you and your teen should also do the following:

Practice safe driving. This applies to both you and your teen. Your teen may be inexperienced behind the wheel, but keep in mind, too that you are his ultimate role model. Therefore, you should be a living example to how to drive appropriately on the road. The two of you doing this together will help keep your auto insurance bill down even further.

Maintain good grades. Your teen may be going through high school, and you want the best from him or her. And your auto insurance company does, too. Ask whether or not if they have a “good student” discount. It will lower your premium by encourage your student to maintain good grades.

Buy an older and/or used car. Older vehicles are less expensive, which is ideal for your teen to drive. Any expensive vehicles should be driven by you, the experienced driver, since these actions will reduce premium costs.

Have your teen take driver’s education. This course will help teens drive better on the road, and auto insurance companies will give you and your teen a discount, if he or she passes.

Raise the deductible on your policy. Your deductible (out-of-pocket expenses for your claim, before your insurer pays the rest) should be raised to lower your premium.

Drop coverage when your teen goes to college. When your teen goes to college, most likely – unless they commute from home – they will not need to be on your auto insurance plan, if they plan on buying their own auto policy. No matter what though, teens must have an auto insurance policy, since it’s against the law to drive without one.

Shop for another insurer. Perhaps it’s time to switch insurers, if your current provider is giving you a high rate. It will allow you and your teen to find a rate that’s reasonable, especially if the new policy has a great coverage plan.

These strategies will help reduce costs associated with teen driving. Be sure to also question your insurance agent about discounts or other cost-reducing strategies.

Trying to find an alternate route to work when nearly 280,000 other commuters are scrambling to find their way into the city can definitely increase the odds of getting involved in a fender-bender. San Francisco Bay area interstate travelers will be the first to tell you that you cannot predict accidents or catastrophes. Whether you are involved in a natural disaster, auto accident or other catastrophe, insurance plays an important role in securing your funds for the future. Californian or not, it’s always important to see what auto insurance coverage your state suggests or requires.
There’s a long stretch of road between Redding and San Diego, California – which means many opportunities for unexpected auto accidents to occur. The Bay Bridge between Oakland and San Francisco, for example, is a hotbed of confusion and congestion that travelers are trying to navigate and conquer.
Between the excitement of summer and trying to secure your vacation plans, preparing for an auto disaster is probably the last thing on your mind. But the summer heat and unexpected bumps in the road can both wreak havoc on your auto and put you in jeopardy if you’re not prepared. If something happens while you’re driving down that long California interstate, are you covered? Let’s sift through your car insurance policy to consider your options:
What coverages are included in an auto insurance package?
When you purchase auto insurance, you usually have several options – you can purchase medical, liability, property and under/uninsured motorist coverage.
Medical coverage in an auto insurance package will take care of treating injuries to those in the policyholder’s automobile. Medical coverage will be provided if the person is a passenger or hit as a pedestrian.
Liability is your financial responsibility to someone for damage you cause – whether the damage is to another person or to someone’s property. When you purchase liability coverage, the insurance company agrees to defend you in court and/or reimburse the other party for damages you cause.
California state laws require motorists to purchase the following liability insurance amounts.
$15,000 - bodily injury liability for one person injured in an accident
$30,000 – bodily injury liability for all injuries in one accident
$5,000 – property damage liability for one accident
Covering property damage includes comprehensive and collision insurance.
Comprehensive coverage insures accidental damage to the auto including fire, wind, sleet, theft, vandalism and similar damages.
Collision coverage reimburses for damage caused by colliding with another object, regardless of who or what is at fault.
What happens if the person that hits you is uninsured or does not have proper coverage to take care of your entire loss? Purchasing uninsured and/or underinsured motorist coverage will cover both of those situations.
If you have not glanced through your auto insurance policy in awhile, it’s time to consider reviewing it. The warm summer weather means your air conditioning will be running longer and your engine will be working harder. It’s important to take time right now and make sure you will be covered if you find yourself stuck on that long stretch of California road between Redding and San Diego.
*Please note that this article is not a professional consultation. This article is for general information only. Always seek specific information from a licensed insurance professional.*

Okay. I admit it. I’ll stand in line for the latest Harry Potter book. You can probably convince me that I “need” the latest Dior volumizing mascara and yes, I have eaten turtle cheesecake for supper before. I have several guilty pleasures. Buying auto insurance is not one of them, but it’s a necessity. Read on to learn why, in addition to being a legal stipulation, auto insurance is important to you and your assets.
First things first – While penalties vary state to state, you can guarantee that driving without coverage will take some clank out of your bank. Uninsured drivers can face a myriad of punishments for merely being stopped and not being able to prove coverage. This fact alone should be enough to convince you to start researching reasonable insurance coverages for your vehicle.
Not persuasive enough? Consider your possible liability in the event of an accident…
Your vehicle collides with Mrs. Baker’s vehicle. Mrs. Baker is a fourth grade teacher at the local elementary school and is now facing $80,000 in medical bills, $65,000 in lost wages and is requesting $200,000 for pain and suffering. That’s a $345,000 claim that, unless you have adequate coverage for, you will be pulling out of your pocket. Certainly in this case, as the too familiar adage wisely states, it’s better to be safe than sorry.
So, you know you need auto insurance. While it’s not sinfully delicious or nearly as enjoyable as turtle cheesecake, lack of adequate coverage will definitely leave you with a bellyache in the event of an automobile accident. It is possible to find insurance you can afford.
Remember! Your car insurance rate is based on your insurance risk assessment. If an insurance company determines you are a high-risk driver, your monthly cost will be higher than that of the average driver. You CAN remedy this! Let’s take a look at a few things you can do to reduce your auto insurance risk which, in turn, could lessen your auto insurance cost…
1) Purchase home/renter’s insurance from the same carrier as your auto insurance. Some insurance companies offer multi-policy discounts.

2) Always obey traffic laws, specifically the speed limit. Insurance companies take note of your driving record. More speeding tickets = higher risk driver = increased auto insurance cost.

3) Study hard. Insurance companies often reward students with good grades with a student discount.

4) Purchase a vehicle that receives notability for low damageability and increased passenger safety.

5) When given the option, purchase additional safety features for your vehicle. (Air bags, antilock brakes, etc.)

6) Take a driver safety course. A defensive driving class could possibly reduce your insurance rate. If not, it would at least make you more aware of the importance of being a defensive driver.
Other things to keep in mind…
1) To the insurance company, plain and simple, you are a set of risks. Anything you can do to decrease your “risk factor” might affect your cost of coverage.
2) Always ask for discounts. Many insurance companies offer deals for safe drivers. If you’re considered less of a risk, they’ll likely reward you.
3) Always comparison shop. You can always find a bargain if you know where to look. Insurance is such a commodity. Comparison sites like HometownQuotes ( can help you shop for affordable insurance.
You can always eat too much cheesecake. You may get tired of Harry, Hermione and Ron. And that tube of Dior mascara will eventually get clumpy. Your auto insurance, however, is one purchase that you should never regret or feel guilty about. It will only cushion you in the end. Are you covered?
*Please note that this article is not a professional consultation. This article is for general information only. Always seek specific information from a licensed insurance professional.*

Tuesday, September 7, 2010

this serious video will show you all,how to do forex.

* Euro falls as Europe banking concerns rekindled
* Widening spreads for peripherals also pushes down euro
* Yen rises to 15-year high versus dollar
* Yen, Swiss franc rally on growing risk aversion (Recasts first paraqgraph, updates prices, adds details of yen record low)
By Nick Olivari
NEW YORK, Sept 7 (Reuters) - The yen rose to a 15-year high against the dollar and the euro slid across the board on Tuesday as rekindled concerns about the European banking sector renewed risk aversion.
The yen and Swiss franc, seen as safe havens, rallied as risk aversion was spurred by a Wall Street Journal report highlighting the shortcomings of European bank stress tests in July.
This followed comments from Germany's banking association on Monday that the country's 10 biggest banks may need 105 billion euros of additional capital under revamped rules. [ID:nLDE6850Q9]
A fall in German manufacturing orders in July added to the single currency's woes. [ID:nBAF004244].
Worries about the banking sector also saw yield spreads between peripheral euro zone government bonds and their German counterparts -- considered the safest in the euro zone -- widen, with Portuguese and Irish spreads in focus.
The cost of insuring those countries' debt against default also rose, further chilling demand for the single currency. ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ For a graphic on the euro and euro zone bond yield spreads: ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
"The market has been able to give full attention to the negative European developments," said Marc Chandler, global head of currency strategy at Brown Brothers Harriman in New York.
These include new questions about the stress tests, concerns over the amount of capital that will need to be raised under Basel III [ID:nLDE6850Q9], and reports suggesting euro zone governments will seek to raise 100 bln euros this month, roughly twice the amount raised in August, Chandler said.
In early New York trade, the euro EUR= slipped 0.9 percent on the day to $1.2762. It fell as low as $1.2736 on Reuters data, off a three-week high of $1.2920 hit on electronic trading platform EBS on Monday EUR=EBS.
The focus was turning to significant option expiries on Thursday, when an estimated 1 billion euros are set to roll off at $1.2600.
"We've seen the euro's correction since June take it to the $1.30 region, and people are getting worried about more negative news about the euro zone banking sector in the third and fourth quarter," said Chris Turner, currency strategist at ING in London.
Against the backdrop of mixed signals from Japan, the single currency EURJPY= fell 1.5 percent on the day to 106.71 yen. The Japanese currency rallied across the board, last pushing the dollar JPY= down 0.7 percent to 83.57 after going to a 15-year low of 83.51 on EBS JPY=EBS and 83.52 on Reuters data.
Earlier in the trading day, Bank of Japan Governor Masaaki Shirakawa said monetary authorities could not control forex rates, increasing speculation Japan was not preparing to act to stem yen strength at the moment. [ID:nTOE68606B] "(Shirakawa) has essentially ruled out intervention in the near term," CitiFXWire analysts said in a client note adding that the statement helped to encourage yen bulls.
Shirakawa's comments followed the BOJ's decision to hold off from additional monetary policy easing. [ID:nTOE68602K]
However, Japanese Finance Minister Yoshihiko Noda on Tuesday said the government would take firm action on currencies when needed, saying recent moves were clearly one-sided. [ID:nTKX006976]
"The risk of intervention is great, but this will only slow the appreciation rather than cause any trend reversal," said BTM-UFJ's Hardman.
The market's focus on risk aversion also boosted the Swiss franc, pushing the euro EURCHF= 1 percent lower to 1.2893 francs. The dollar CHF= was down 0.2 percent at 1.0102. The Australian dollar AUD= was down 0.4 percent at $0.9136, hurt by general lack of risk appetite and as the ruling Labor Party secured enough numbers to form a minority government [ID:nSGE6850I3]. Labor's return to power rekindled talk the government would press ahead with a tax on mining company profits.


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