Consider consolidating student loans
Jean Chatzky: Consider consolidating student loans
This is the time of year when the buzz starts up about student-loan consolidation. Some people benefit from consolidating, others don’t, and borrowers want to know which camp they fall in.
Here are the facts: Until recently, borrowers were able to consolidate their loans each year at a low-interest rate — sometimes under 3 percent. In 2005, Congress set a fixed rate for Stafford and PLUS loans. This means that loans originating after July 1, 2006, largely won’t benefit from consolidation. In fact, if you consolidate, your interest rate will increase slightly.
If your loan originated before that date, you’re working with a variable-rate loan, and you’ll benefit from consolidating come July 1, when rates are set to drop by 3 percent, according to Mark Kantrowitz, publisher of FinAid.org.
To figure out what kind of loans you have, do a little backtracking. What year did you enter school? What year did you graduate? How many years of loans do you have, total?
You may find that you have both, particularly if you graduated in the last few years. "Undergraduate students who graduated last year and who had not previously consolidated their loans would have three years of variable-rate loans and one year of fixed-rate loans. Undergraduate students graduating this year would have three years of variable-rate loans and two years of fixed-rate loans," explains Kantrowitz.
No matter what your situation, here’s what to do when July 1 rolls around:
If your loans are fixed, you probably want to shy away from consolidating. There’s no savings to you in doing so. However, some borrowers choose to consolidate anyway, for a couple of reasons. By definition, it makes things a bit simpler by putting your loans all on one payment, which can ease your mind and also help to ensure that payments are going in on time each month. However, Kantrowitz says that these days, most lenders offer unified billing anyway, so consolidating for this reason is largely unnecessary.
Another potential perk of consolidation is that it comes with a wider variety of repayment options, so if you’re struggling to make ends meet, you can increase the life of the loan and thus make your monthly payments smaller.
If your loans are variable, rates reset annually on July 1, but you can consolidate only once. This July is a great time to do it if you haven’t already. Consolidating will bring Stafford Loans that are in repayment to an interest rate of 4.25 percent and PLUS loans to 5.125 percent. If you’re still in school or under the grace period after graduation, your Stafford Loan rate will be 3.625 percent. This is not only the biggest drop ever in the interest rates on variable-rate loans, but according to Kantrowitz, they are the lowest rates in the history of the student-loan program. So take advantage, and you could save several thousand dollars over the life of the loan, depending on how much you borrowed in the first place.
Don’t be surprised if you have trouble finding a lender. Consolidation loans are no longer all that profitable, and many lenders have pulled out of the business — including Sallie Mae, according to Martha Holler, a spokesperson for Sallie Mae. The current economy and credit crunch isn’t helping matters. If you shop around and can’t find a private loan company to consolidate with, Kantrowitz suggests turning to the Federal Direct Consolidation Loan program (loanconsolidation.ed.gov). You can consolidate both Direct Loans, which are issued by the government, and private loans (typically called Federal Family Education Loans or FFELs) through this program, which will give you all the options offered by private lenders — namely, multiple repayment plans and only one check to write each month.
Stick with a 10-year loan if possible. As I mentioned, when you consolidate, you’ll be given the option to lower your monthly payments by repaying the loan over the course of 20 or even 30 years instead of the standard 10.
"In some cases, you can cut your monthly payment in half, but you will pay more over the life of the loan," warns Holler. Make sure that you’ve exhausted any other options, such as making cuts in your budget or working a few overtime hours, and resort to this as a last step.
One caveat: If you, like about 75 percent of your peers, came out of college with not just student loans but also a load of credit-card debt, and you’re feeling squeezed, it may make sense to extend your loan and focus on the credit cards for the time being. Student-loan debt is largely considered good debt, because the interest rates are about as low as they come, and they generally help round out the credit reports of borrowers who may not have much of a history otherwise. The interest rates on credit cards can be three or even four times that of a student loan, so you’ll save in the long run by throwing the bulk of your money at that debt first.
source-http://www.star-telegram.com/family_day/story/706461.html
Thursday, June 19, 2008
Debt consolidation and declining consumer confidence
Debt consolidation and declining consumer confidence
Following the recent British Retail Consortium (BRC) survey on consumer confidence, debt consolidation experts debtadvisersdirect.co.uk remind people in financial trouble to seek expert debt help as soon as possible.
Of the thousand people polled, nearly 60% felt their personal finances would be either bad or not so good over the next year. “What’s interesting about the BRC’s figures,” says a spokesperson for debtadvisersdirect.co.uk, “is that they reflect consumer sentiment, rather than any official perspective. Today’s economic troubles aren’t the kind that only worry bankers and Treasury officials: they’re issues that impact day-to-day life.”
“To look on the bright side, at least people are aware of the problems ahead – we’d be more worried if consumers were unconcerned, while financial experts predicted difficult times.” Concerned consumers are, hopefully, more likely to seek debt advice early on and look around for a debt solution that can help them cope with rising costs and/or falling incomes. In many cases, a debt consolidation loan could be an appropriate way to reduce their monthly expenditure.
“A debt consolidation loan is a simple idea: when people consolidate their debts, they’re paying off their (often high-interest) debts with a single loan. Consolidation loans often come with lower interest rates, but that’s not the most important benefit here. When someone consolidates their debts, they have a chance to rethink their repayment terms: they can reduce the size of each monthly payment by arranging to repay the funds over a longer period of time. Of course, a longer repayment term will mean they’re paying interest for longer and the debt may cost more in total. Nonetheless, lowering monthly repayments can make all the difference here and now, freeing up the cash they need for their priority bills and other living expenses.”
“We’d always recommend people seek help before it’s too late, but today it’s more important than ever to take prompt action. Already, one in five people has no spare cash, but experts are predicting further rises in the cost of essentials like petrol, food and utilities. It’s clear that any borrower who’s only just managing today needs to seek advice without delay.”
And ‘action’ doesn’t necessarily mean debt consolidation. “Debt consolidation loans aren’t the only debt solution that can help people through tough times. Debt management can also reduce someone’s monthly payments to unsecured debts, as can an IVA (Individual Voluntary Arrangement, a legally binding form of debt solution for people with significant debts). Homeowners, of course, may well have more options: depending on their situation, they may wish to consider a debt consolidation mortgage, rather than a debt consolidation loan.”
source-http://www.sourcewire.com/releases/rel_display.php?relid=39617&hilite=
Following the recent British Retail Consortium (BRC) survey on consumer confidence, debt consolidation experts debtadvisersdirect.co.uk remind people in financial trouble to seek expert debt help as soon as possible.
Of the thousand people polled, nearly 60% felt their personal finances would be either bad or not so good over the next year. “What’s interesting about the BRC’s figures,” says a spokesperson for debtadvisersdirect.co.uk, “is that they reflect consumer sentiment, rather than any official perspective. Today’s economic troubles aren’t the kind that only worry bankers and Treasury officials: they’re issues that impact day-to-day life.”
“To look on the bright side, at least people are aware of the problems ahead – we’d be more worried if consumers were unconcerned, while financial experts predicted difficult times.” Concerned consumers are, hopefully, more likely to seek debt advice early on and look around for a debt solution that can help them cope with rising costs and/or falling incomes. In many cases, a debt consolidation loan could be an appropriate way to reduce their monthly expenditure.
“A debt consolidation loan is a simple idea: when people consolidate their debts, they’re paying off their (often high-interest) debts with a single loan. Consolidation loans often come with lower interest rates, but that’s not the most important benefit here. When someone consolidates their debts, they have a chance to rethink their repayment terms: they can reduce the size of each monthly payment by arranging to repay the funds over a longer period of time. Of course, a longer repayment term will mean they’re paying interest for longer and the debt may cost more in total. Nonetheless, lowering monthly repayments can make all the difference here and now, freeing up the cash they need for their priority bills and other living expenses.”
“We’d always recommend people seek help before it’s too late, but today it’s more important than ever to take prompt action. Already, one in five people has no spare cash, but experts are predicting further rises in the cost of essentials like petrol, food and utilities. It’s clear that any borrower who’s only just managing today needs to seek advice without delay.”
And ‘action’ doesn’t necessarily mean debt consolidation. “Debt consolidation loans aren’t the only debt solution that can help people through tough times. Debt management can also reduce someone’s monthly payments to unsecured debts, as can an IVA (Individual Voluntary Arrangement, a legally binding form of debt solution for people with significant debts). Homeowners, of course, may well have more options: depending on their situation, they may wish to consider a debt consolidation mortgage, rather than a debt consolidation loan.”
source-http://www.sourcewire.com/releases/rel_display.php?relid=39617&hilite=
Debt consolidation loans can help
Debt consolidation loans can help
Consumers experiencing debt problems should consider a consolidation loan to help them manage their finances.
According to debtadviserdirect.co.uk, people should consider these products as they usually have lower interest rates than those on individual loans and allow people to free up more money to go towards bills and other living expenses.
In addition the period of time over which people must repay the debt can be discussed and changed if need be, meaning consumers can pay less each month but do so for a longer period of time.
"When someone consolidates their debts, they have a chance to rethink their repayments terms: they can reduce the size of each monthly payment by arranging to repay the funds over a longer period of time," a spokesperson for the company said.
source-http://www.debtmanagementtoday.co.uk/newsstory?id=18641330&type=newsfeed&title=debt_consolidation_loans_can_help
Consumers experiencing debt problems should consider a consolidation loan to help them manage their finances.
According to debtadviserdirect.co.uk, people should consider these products as they usually have lower interest rates than those on individual loans and allow people to free up more money to go towards bills and other living expenses.
In addition the period of time over which people must repay the debt can be discussed and changed if need be, meaning consumers can pay less each month but do so for a longer period of time.
"When someone consolidates their debts, they have a chance to rethink their repayments terms: they can reduce the size of each monthly payment by arranging to repay the funds over a longer period of time," a spokesperson for the company said.
source-http://www.debtmanagementtoday.co.uk/newsstory?id=18641330&type=newsfeed&title=debt_consolidation_loans_can_help
Tuesday, June 17, 2008
FCX Clarity goes into production as first customers and dealership network is announced by Honda
FCX Clarity goes into production as first customers and dealership network is announced by Honda
American Honda Motor Co. announced five of the first customers on Monday for its advanced new FCX Clarity hydrogen fuel cell-powered vehicle and also provided details of the world’s first fuel cell vehicle dealership network in the United States. The announcements were made during a ceremony for the start of FCX Clarity production at the world’s first dedicated fuel cell vehicle manufacturing facility in Japan.
Film producer Ron Yerxa will take delivery of the first FCX Clarity in July. The remaining four early adopters for Honda’s next-generation fuel cell vehicle are author and actress Jamie Lee Curtis and her filmmaker husband Christopher Guest; business owner and car enthusiast Jim Salomon; actress Laura Harris; and Jon Spallino, already the world’s first retail fuel cell vehicle customer, who has been leasing the current generation FCX since 2005. Yerxa, Harris and Spallino attended the event in Japan.
To provide its customers with sales and service support and as a critical step in advancing fuel cell vehicles in the real world, American Honda announced the establishment of the first network of dealers to facilitate the sales and service of fuel cell vehicles. The three Southern California Honda dealers are Power Honda Costa Mesa (Costa Mesa), Honda of Santa Monica (Santa Monica) and Scott Robinson Honda (Torrance).
“This is an important day in the history of fuel cell vehicle technology and a monumental step closer to the day when fuel cell cars will be part of the mainstream,” said John Mendel, executive vice president of American Honda. “Our customers and dealers share in our vision for a cleaner and more sustainable transportation future, and share in our challenge to embrace a new generation of automotive technology that we think will carry the auto industry and its customers into the future.”
FCX Clarity Customers
The five customers announced today were among the very first people to share with Honda their passion for the environment and interest in the FCX Clarity, dating back to its debut as a concept model at the 2005 Tokyo Motor Show. The initial criteria for fuel cell vehicle ownership, including proximity to hydrogen refueling stations, driving patterns and vehicle needs, all played a part in Honda’s customer selection process.
“Auto companies can’t explore the potential for fuel cell technology as the ultimate solution to our world’s energy and environmental challenges by ourselves. Our customers are true pioneers and leaders in the effort to bring fuel cell technology to the marketplace,” said Mendel.
Ron Yerxa, a film producer and partner at Bona Fide Productions, is a long-time car enthusiast and advocate for the environment. He lives with his wife, Annette Ballester, in Santa Monica, California. Yerxa first learned of the FCX Concept vehicle from a car magazine and contacted American Honda to share his interest and enthusiasm.
Jon Spallino, partner and Chief Financial Officer of an Irvine, California-based engineering and construction firm and the world’s first retail customer of a hydrogen fuel cell-powered vehicle, is excited to trade in his first-generation FCX for the all-new FCX Clarity. Having lived with fuel cell technology for three years now, Spallino and his family, residents of Redondo Beach, California, are looking forward to the all-new vehicle’s vastly improved performance, enhanced features, improved fuel efficiency, and advanced four-door, four-passenger sedan design.
Actress and children’s book author Jamie Lee Curtis and her husband, filmmaker Christopher Guest, also live with their family in Santa Monica. Curtis and Guest have owned other alternative fuel and hybrid vehicles, and they continue to seek out ways to live and advocate a greener lifestyle.
Jim Salomon, a business owner and car enthusiast, resides in Newport Beach, California with his family and will be American Honda’s first retail customer to regularly refuel at the recently renovated Irvine hydrogen refueling station. Salomon and his family live in a home he designed and built with an emphasis on energy efficiency as well as recycled and sustainable materials.
Actress and green advocate Laura Harris learned about the FCX Clarity from a friend and test drove a prototype car at the Los Angeles auto show in November 2007. Canadian-born Harris lives in Silverlake, California, and will refuel primarily in Burbank. Lessons learned from her usage patterns and experiences can help pave the way for eventual market expansion outside of the Irvine, Torrance, and Santa Monica areas.
Honda previously announced plans to deliver about 200 FCX Clarity hydrogen fuel cell-powered vehicles in the U.S. and Japan to customers in the first three years of production, with leases beginning in July. The lease program marks the world’s first large-scale retail initiative for fuel cell vehicle technology.
First-ever Fuel Cell Vehicle Dealership Network
Reinforcing its commitment to further advance Honda fuel cell technology, American Honda announced that three Southern California dealerships will comprise the world’s first fuel cell automobile dealership network. Power Honda Costa Mesa, Honda of Santa Monica and Scott Robinson Honda are each located in close proximity to hydrogen refueling stations and will be well-positioned to support Honda’s growing base of FCX Clarity customers.
American Honda is working with its dealer partners to implement processes for fuel cell vehicle lease, delivery and service support for the duration of their leases. Establishing a dedicated sales network and service infrastructure provides customers with the best balance of convenience and the highest quality of service. When the FCX Clarity requires periodic maintenance, customers will simply schedule a visit with their local FCX Clarity dealer.
American Honda will perform all required work at its specialized fuel cell service facility, in the greater Los Angeles area. Upon completion of the work, the dealer will return the vehicle to the customer.
About the FCX Clarity
The FCX Clarity is a next-generation, hydrogen powered fuel cell-powered vehicle. Propelled by an electric motor that runs on electricity generated in the fuel cell, the vehicle’s only emission is water, and its fuel efficiency is three times that of a modern gasoline-powered automobile. Based on the entirely-new Honda V Flow fuel cell platform, and powered by a highly compact, efficient and powerful new Honda V Flow fuel cell stack, the FCX Clarity marks the significant progress Honda continues to make in advancing the real-world performance and appeal of the fuel cell car. Significant advances over Honda’s previous generation FCX include:
- an advanced new four passenger sedan design
- a greater than 30 percent increase in driving range up to 280 miles*
- a 25 percent increase in combined fuel economy to 72 miles/kg-H2* (74 mpg GGE)
- a 50 percent improvement in fuel stack power output density by volume
- a 40 percent smaller and 50 percent lighter new lithium ion battery pack
Honda is responsible for the development of the world’s first fuel cell car (Honda FCX) to be certified for regular commercial use by the U.S. EPA and California Air Resources Board; the first deployment of a fuel cell car with a fleet customer; and the first individual retail customer for a fuel cell vehicle.
*Based on official 2008 EPA estimated range and fuel efficiency values
For further information:
Media Web Site: www.hondanews.com
Consumer Web Site: www.honda.com
Source: Fuel Cell Today
American Honda Motor Co. announced five of the first customers on Monday for its advanced new FCX Clarity hydrogen fuel cell-powered vehicle and also provided details of the world’s first fuel cell vehicle dealership network in the United States. The announcements were made during a ceremony for the start of FCX Clarity production at the world’s first dedicated fuel cell vehicle manufacturing facility in Japan.
Film producer Ron Yerxa will take delivery of the first FCX Clarity in July. The remaining four early adopters for Honda’s next-generation fuel cell vehicle are author and actress Jamie Lee Curtis and her filmmaker husband Christopher Guest; business owner and car enthusiast Jim Salomon; actress Laura Harris; and Jon Spallino, already the world’s first retail fuel cell vehicle customer, who has been leasing the current generation FCX since 2005. Yerxa, Harris and Spallino attended the event in Japan.
To provide its customers with sales and service support and as a critical step in advancing fuel cell vehicles in the real world, American Honda announced the establishment of the first network of dealers to facilitate the sales and service of fuel cell vehicles. The three Southern California Honda dealers are Power Honda Costa Mesa (Costa Mesa), Honda of Santa Monica (Santa Monica) and Scott Robinson Honda (Torrance).
“This is an important day in the history of fuel cell vehicle technology and a monumental step closer to the day when fuel cell cars will be part of the mainstream,” said John Mendel, executive vice president of American Honda. “Our customers and dealers share in our vision for a cleaner and more sustainable transportation future, and share in our challenge to embrace a new generation of automotive technology that we think will carry the auto industry and its customers into the future.”
FCX Clarity Customers
The five customers announced today were among the very first people to share with Honda their passion for the environment and interest in the FCX Clarity, dating back to its debut as a concept model at the 2005 Tokyo Motor Show. The initial criteria for fuel cell vehicle ownership, including proximity to hydrogen refueling stations, driving patterns and vehicle needs, all played a part in Honda’s customer selection process.
“Auto companies can’t explore the potential for fuel cell technology as the ultimate solution to our world’s energy and environmental challenges by ourselves. Our customers are true pioneers and leaders in the effort to bring fuel cell technology to the marketplace,” said Mendel.
Ron Yerxa, a film producer and partner at Bona Fide Productions, is a long-time car enthusiast and advocate for the environment. He lives with his wife, Annette Ballester, in Santa Monica, California. Yerxa first learned of the FCX Concept vehicle from a car magazine and contacted American Honda to share his interest and enthusiasm.
Jon Spallino, partner and Chief Financial Officer of an Irvine, California-based engineering and construction firm and the world’s first retail customer of a hydrogen fuel cell-powered vehicle, is excited to trade in his first-generation FCX for the all-new FCX Clarity. Having lived with fuel cell technology for three years now, Spallino and his family, residents of Redondo Beach, California, are looking forward to the all-new vehicle’s vastly improved performance, enhanced features, improved fuel efficiency, and advanced four-door, four-passenger sedan design.
Actress and children’s book author Jamie Lee Curtis and her husband, filmmaker Christopher Guest, also live with their family in Santa Monica. Curtis and Guest have owned other alternative fuel and hybrid vehicles, and they continue to seek out ways to live and advocate a greener lifestyle.
Jim Salomon, a business owner and car enthusiast, resides in Newport Beach, California with his family and will be American Honda’s first retail customer to regularly refuel at the recently renovated Irvine hydrogen refueling station. Salomon and his family live in a home he designed and built with an emphasis on energy efficiency as well as recycled and sustainable materials.
Actress and green advocate Laura Harris learned about the FCX Clarity from a friend and test drove a prototype car at the Los Angeles auto show in November 2007. Canadian-born Harris lives in Silverlake, California, and will refuel primarily in Burbank. Lessons learned from her usage patterns and experiences can help pave the way for eventual market expansion outside of the Irvine, Torrance, and Santa Monica areas.
Honda previously announced plans to deliver about 200 FCX Clarity hydrogen fuel cell-powered vehicles in the U.S. and Japan to customers in the first three years of production, with leases beginning in July. The lease program marks the world’s first large-scale retail initiative for fuel cell vehicle technology.
First-ever Fuel Cell Vehicle Dealership Network
Reinforcing its commitment to further advance Honda fuel cell technology, American Honda announced that three Southern California dealerships will comprise the world’s first fuel cell automobile dealership network. Power Honda Costa Mesa, Honda of Santa Monica and Scott Robinson Honda are each located in close proximity to hydrogen refueling stations and will be well-positioned to support Honda’s growing base of FCX Clarity customers.
American Honda is working with its dealer partners to implement processes for fuel cell vehicle lease, delivery and service support for the duration of their leases. Establishing a dedicated sales network and service infrastructure provides customers with the best balance of convenience and the highest quality of service. When the FCX Clarity requires periodic maintenance, customers will simply schedule a visit with their local FCX Clarity dealer.
American Honda will perform all required work at its specialized fuel cell service facility, in the greater Los Angeles area. Upon completion of the work, the dealer will return the vehicle to the customer.
About the FCX Clarity
The FCX Clarity is a next-generation, hydrogen powered fuel cell-powered vehicle. Propelled by an electric motor that runs on electricity generated in the fuel cell, the vehicle’s only emission is water, and its fuel efficiency is three times that of a modern gasoline-powered automobile. Based on the entirely-new Honda V Flow fuel cell platform, and powered by a highly compact, efficient and powerful new Honda V Flow fuel cell stack, the FCX Clarity marks the significant progress Honda continues to make in advancing the real-world performance and appeal of the fuel cell car. Significant advances over Honda’s previous generation FCX include:
- an advanced new four passenger sedan design
- a greater than 30 percent increase in driving range up to 280 miles*
- a 25 percent increase in combined fuel economy to 72 miles/kg-H2* (74 mpg GGE
- a 50 percent improvement in fuel stack power output density by volume
- a 40 percent smaller and 50 percent lighter new lithium ion battery pack
Honda is responsible for the development of the world’s first fuel cell car (Honda FCX) to be certified for regular commercial use by the U.S. EPA and California Air Resources Board; the first deployment of a fuel cell car with a fleet customer; and the first individual retail customer for a fuel cell vehicle.
*Based on official 2008 EPA estimated range and fuel efficiency values
For further information:
Media Web Site: www.hondanews.com
Consumer Web Site: www.honda.com
Source: Fuel Cell Today
Honda May Mass-Produce FCX Clarity Fuel-Cell Car in 10 Years
Honda May Mass-Produce FCX Clarity Fuel-Cell Car in 10 Years
Honda Motor Co., Japan's second- largest automaker, may start mass production of its FCX Clarity fuel-cell car within 10 years to meet growing demand for fuel- efficient models.
``If we can bring costs down by a certain amount, I think we can start mass-production,'' President Takeo Fukui said in an interview at its new-model center today in Tochigi prefecture, northeast of Tokyo. Honda began production of the FCX Clarity at the center today.
Honda plans to lease 200 FCX Clarity vehicles in the U.S. and Japan over the next three years and has five customers for the car in the U.S., the company said in a statement. The carmaker is adding low-pollution models including fuel-cell and gasoline-electric hybrids as record-high oil prices and tougher carbon-emission rules boost demand for cars that use less fuel.
``There's still a lot of research that's left to be done'' on fuel-cell cars, said Yuuki Sakurai, who helps manage the equivalent of 5.7 trillion yen ($53 billion) including Japanese auto stocks. ``It's difficult to fathom what the industry will look like ten years down the road.''
The FCX Clarity will initially be offered only in California, beginning in July, to take advantage of a network of hydrogen fueling stations being added across the state. The car, which has a top speed of 105 miles per hour, will be leased for $600 a month, the automaker said.
The model's first U.S. customer is Ron Yerxa, who produced the Oscar-winning film Little Miss Sunshine. Actors Jamie Lee Curtis and Christopher Guest are also customers.
Fuel cells create electricity in a chemical process that combines hydrogen and oxygen. Ideally, water vapor is the only emission.
Emerging Market Hybrids
Honda may produce hybrid cars in an emerging market by the middle of the next decade, Fukui also said in the interview. Specifically, producing a hybrid Civic model in Thailand may be an option because emerging markets have high import duties on cars, he said. It currently builds gasoline-engine Civics in Thailand.
``We would add a hybrid system to a location where we already build a base model,'' Fukui said.
Honda plans to add three new models to help raise sales of hybrid vehicles by ninefold to 500,000 units early in the next decade from 55,400 last year, the company said on May 21. Honda trails only Toyota Motor Corp. in building hybrids.
The Civic is the only model with a hybrid option now. It's also developing the CR-Z hybrid sports car and will add a hybrid option to the Fit compact car.
Hybrid vehicles combine a conventional gasoline engine with an electric motor. The electric motor powers the vehicle at low speeds, and the gasoline engine takes over as the car accelerates. The motor's battery pack is charged by the gasoline engine and by power regenerated by the brakes.
Honda was the first company to lease fuel-cell vehicles to consumers in 2005 with the FCX minivan, predecessor to the Clarity.
In Japan, Honda leases the FCX minivan to 11 central and local government officials with payments of 800,000 yen ($7,384) a month. The company leases 24 units to customers in the U.S. for $500 a month.
source-http://www.bloomberg.com/apps/news?pid=20601101&sid=aP1jZTypWBBM
Honda Motor Co., Japan's second- largest automaker, may start mass production of its FCX Clarity fuel-cell car within 10 years to meet growing demand for fuel- efficient models.
``If we can bring costs down by a certain amount, I think we can start mass-production,'' President Takeo Fukui said in an interview at its new-model center today in Tochigi prefecture, northeast of Tokyo. Honda began production of the FCX Clarity at the center today.
Honda plans to lease 200 FCX Clarity vehicles in the U.S. and Japan over the next three years and has five customers for the car in the U.S., the company said in a statement. The carmaker is adding low-pollution models including fuel-cell and gasoline-electric hybrids as record-high oil prices and tougher carbon-emission rules boost demand for cars that use less fuel.
``There's still a lot of research that's left to be done'' on fuel-cell cars, said Yuuki Sakurai, who helps manage the equivalent of 5.7 trillion yen ($53 billion) including Japanese auto stocks. ``It's difficult to fathom what the industry will look like ten years down the road.''
The FCX Clarity will initially be offered only in California, beginning in July, to take advantage of a network of hydrogen fueling stations being added across the state. The car, which has a top speed of 105 miles per hour, will be leased for $600 a month, the automaker said.
The model's first U.S. customer is Ron Yerxa, who produced the Oscar-winning film Little Miss Sunshine. Actors Jamie Lee Curtis and Christopher Guest are also customers.
Fuel cells create electricity in a chemical process that combines hydrogen and oxygen. Ideally, water vapor is the only emission.
Emerging Market Hybrids
Honda may produce hybrid cars in an emerging market by the middle of the next decade, Fukui also said in the interview. Specifically, producing a hybrid Civic model in Thailand may be an option because emerging markets have high import duties on cars, he said. It currently builds gasoline-engine Civics in Thailand.
``We would add a hybrid system to a location where we already build a base model,'' Fukui said.
Honda plans to add three new models to help raise sales of hybrid vehicles by ninefold to 500,000 units early in the next decade from 55,400 last year, the company said on May 21. Honda trails only Toyota Motor Corp. in building hybrids.
The Civic is the only model with a hybrid option now. It's also developing the CR-Z hybrid sports car and will add a hybrid option to the Fit compact car.
Hybrid vehicles combine a conventional gasoline engine with an electric motor. The electric motor powers the vehicle at low speeds, and the gasoline engine takes over as the car accelerates. The motor's battery pack is charged by the gasoline engine and by power regenerated by the brakes.
Honda was the first company to lease fuel-cell vehicles to consumers in 2005 with the FCX minivan, predecessor to the Clarity.
In Japan, Honda leases the FCX minivan to 11 central and local government officials with payments of 800,000 yen ($7,384) a month. The company leases 24 units to customers in the U.S. for $500 a month.
source-http://www.bloomberg.com/apps/news?pid=20601101&sid=aP1jZTypWBBM
Honda Announces First FCX Clarity Customers and World's First Fuel Cell Vehicle Dealership Network as Clarity Production Begins in Japan
Honda Announces First FCX Clarity Customers and World's First Fuel Cell Vehicle Dealership Network as Clarity Production Begins in Japan; Breakthrough
Tochigi, Japan, June 16, 2008 - (JCN Newswire) - American Honda Motor Co., Inc., announced five of the first customers for its advanced new FCX Clarity hydrogen fuel cell-powered vehicle and also provided details of the world's first fuel cell vehicle dealership network in the United States. The announcements were made during a ceremony for the start of FCX Clarity production at the world's first dedicated fuel cell vehicle manufacturing facility in Japan.
Film producer Ron Yerxa will take delivery of the first FCX Clarity in July. The remaining four early adopters for Honda's next-generation fuel cell vehicle are author and actress Jamie Lee Curtis and her filmmaker husband Christopher Guest; business owner and car enthusiast Jim Salomon; actress Laura Harris; and Jon Spallino, already the world's first retail fuel cell vehicle customer, who has been leasing the current generation FCX since 2005. Yerxa, Harris and Spallino attended the event in Japan.
To provide its customers with outstanding sales and service support and as a critical step in advancing fuel cell vehicles in the real world, American Honda announced the establishment of the first network of dealers to facilitate the sales and service of fuel cell vehicles. The three Southern California Honda dealers are Power Honda Costa Mesa (Costa Mesa), Honda of Santa Monica (Santa Monica) and Scott Robinson Honda (Torrance).
"This is an important day in the history of fuel cell vehicle technology and a monumental step closer to the day when fuel cell cars will be part of the mainstream," said John Mendel, executive vice president of American Honda. "Our customers and dealers share in our vision for a cleaner and more sustainable transportation future, and share in our challenge to embrace a new generation of automotive technology that we think will carry the auto industry and its customers into the future."
FCX Clarity Customers
The five customers announced today were among the very first people to share with Honda their passion for the environment and interest in the FCX Clarity, dating back to its debut as a concept model at the 2005 Tokyo Motor Show. The initial criteria for fuel cell vehicle ownership, including proximity to hydrogen refueling stations, driving patterns and vehicle needs, all played a part in Honda's customer selection process.
"Auto companies can't explore the potential for fuel cell technology as the ultimate solution to our world's energy and environmental challenges by ourselves. Our customers are true pioneers and leaders in the effort to bring fuel cell technology to the marketplace," said Mendel.
Ron Yerxa, a film producer and partner at Bona Fide Productions, is a long-time car enthusiast and advocate for the environment. He lives with his wife, Annette Ballester, in Santa Monica, California. Yerxa first learned of the FCX Concept vehicle from a car magazine and contacted American Honda to share his interest and enthusiasm.
Jon Spallino, partner and Chief Financial Officer of an Irvine, California-based engineering and construction firm and the world's first retail customer of a hydrogen fuel cell-powered vehicle, is excited to trade in his first-generation FCX for the all-new FCX Clarity. Having lived with fuel cell technology for three years now, Spallino and his family, residents of Redondo Beach, California, are looking forward to the all-new vehicle's vastly improved performance, enhanced features, improved fuel efficiency, and advanced four-door, four-passenger sedan design.
Actress and children's book author Jamie Lee Curtis and her husband, filmmaker Christopher Guest, also live with their family in Santa Monica. Curtis and Guest have owned other alternative fuel and hybrid vehicles, and they continue to seek out ways to live and advocate a greener lifestyle.
Jim Salomon, a business owner and car enthusiast, resides in Newport Beach, California with his family and will be American Honda's first retail customer to regularly refuel at the recently renovated Irvine hydrogen refueling station. Salomon and his family live in a home he designed and built with an emphasis on energy efficiency as well as recycled and sustainable materials.
Actress and green advocate Laura Harris learned about the FCX Clarity from a friend and test drove a prototype car at the Los Angeles auto show in November 2007. Canadian-born Harris lives in Silverlake, California, and will refuel primarily in Burbank. Lessons learned from her usage patterns and experiences can help pave the way for eventual market expansion outside of the Irvine, Torrance, and Santa Monica areas.
Honda previously announced plans to deliver about 200 FCX Clarity hydrogen fuel cell-powered vehicles in the U.S. and Japan to customers in the first three years of production, with leases beginning in July. The lease program marks the world's first large-scale retail initiative for fuel cell vehicle technology.
First-ever Fuel Cell Vehicle Dealership Network
Reinforcing its commitment to further advance Honda fuel cell technology, American Honda announced that three Southern California dealerships will comprise the world's first fuel cell automobile dealership network. Power Honda Costa Mesa, Honda of Santa Monica and Scott Robinson Honda are each located in close proximity to hydrogen refueling stations and will be well-positioned to support Honda's growing base of FCX Clarity customers.
American Honda is working with its dealer partners to implement processes for fuel cell vehicle lease, delivery and service support for the duration of their leases. Establishing a dedicated sales network and service infrastructure provides customers with the best balance of convenience and the highest quality of service. When the FCX Clarity requires periodic maintenance, customers will simply schedule a visit with their local FCX Clarity dealer.
American Honda will perform all required work at its specialized fuel cell service facility in the greater Los Angeles area. Upon completion of the work, the dealer will return the vehicle to the customer.
About the FCX Clarity
The FCX Clarity is a next-generation, hydrogen powered fuel cell-powered vehicle. Propelled by an electric motor that runs on electricity generated in the fuel cell, the vehicle's only emission is water, and its fuel efficiency is three times that of a modern gasoline-powered automobile. Based on the entirely-new Honda V Flow fuel cell platform, and powered by a highly compact, efficient and powerful new Honda V Flow fuel cell stack, the FCX Clarity marks the significant progress Honda continues to make in advancing the real-world performance and appeal of the fuel cell car. Significant advances over Honda's previous generation FCX include:
- an advanced new four passenger sedan design
- a greater than 30 percent increase in driving range up to 280 miles*
- a 25 percent increase in combined fuel economy to 72 miles/kg-H2*
(74 mpg GGE - 'miles per gallon gasoline gallon equivalent energy')
- a 50 percent improvement in fuel stack power output density by volume
- a 40 percent smaller and 50 percent lighter new lithium ion battery pack
Honda is responsible for the development of the world's first fuel cell car (Honda FCX) to be certified for regular commercial use by the U.S. EPA and California Air Resources Board; the first deployment of a fuel cell car with a fleet customer; and the first individual retail customer for a fuel cell vehicle.
* Based on official 2008 EPA estimated range and fuel efficiency values
source-http://au.biz.yahoo.com/080616/44/1si85.html
Tochigi, Japan, June 16, 2008 - (JCN Newswire) - American Honda Motor Co., Inc., announced five of the first customers for its advanced new FCX Clarity hydrogen fuel cell-powered vehicle and also provided details of the world's first fuel cell vehicle dealership network in the United States. The announcements were made during a ceremony for the start of FCX Clarity production at the world's first dedicated fuel cell vehicle manufacturing facility in Japan.
Film producer Ron Yerxa will take delivery of the first FCX Clarity in July. The remaining four early adopters for Honda's next-generation fuel cell vehicle are author and actress Jamie Lee Curtis and her filmmaker husband Christopher Guest; business owner and car enthusiast Jim Salomon; actress Laura Harris; and Jon Spallino, already the world's first retail fuel cell vehicle customer, who has been leasing the current generation FCX since 2005. Yerxa, Harris and Spallino attended the event in Japan.
To provide its customers with outstanding sales and service support and as a critical step in advancing fuel cell vehicles in the real world, American Honda announced the establishment of the first network of dealers to facilitate the sales and service of fuel cell vehicles. The three Southern California Honda dealers are Power Honda Costa Mesa (Costa Mesa), Honda of Santa Monica (Santa Monica) and Scott Robinson Honda (Torrance).
"This is an important day in the history of fuel cell vehicle technology and a monumental step closer to the day when fuel cell cars will be part of the mainstream," said John Mendel, executive vice president of American Honda. "Our customers and dealers share in our vision for a cleaner and more sustainable transportation future, and share in our challenge to embrace a new generation of automotive technology that we think will carry the auto industry and its customers into the future."
FCX Clarity Customers
The five customers announced today were among the very first people to share with Honda their passion for the environment and interest in the FCX Clarity, dating back to its debut as a concept model at the 2005 Tokyo Motor Show. The initial criteria for fuel cell vehicle ownership, including proximity to hydrogen refueling stations, driving patterns and vehicle needs, all played a part in Honda's customer selection process.
"Auto companies can't explore the potential for fuel cell technology as the ultimate solution to our world's energy and environmental challenges by ourselves. Our customers are true pioneers and leaders in the effort to bring fuel cell technology to the marketplace," said Mendel.
Ron Yerxa, a film producer and partner at Bona Fide Productions, is a long-time car enthusiast and advocate for the environment. He lives with his wife, Annette Ballester, in Santa Monica, California. Yerxa first learned of the FCX Concept vehicle from a car magazine and contacted American Honda to share his interest and enthusiasm.
Jon Spallino, partner and Chief Financial Officer of an Irvine, California-based engineering and construction firm and the world's first retail customer of a hydrogen fuel cell-powered vehicle, is excited to trade in his first-generation FCX for the all-new FCX Clarity. Having lived with fuel cell technology for three years now, Spallino and his family, residents of Redondo Beach, California, are looking forward to the all-new vehicle's vastly improved performance, enhanced features, improved fuel efficiency, and advanced four-door, four-passenger sedan design.
Actress and children's book author Jamie Lee Curtis and her husband, filmmaker Christopher Guest, also live with their family in Santa Monica. Curtis and Guest have owned other alternative fuel and hybrid vehicles, and they continue to seek out ways to live and advocate a greener lifestyle.
Jim Salomon, a business owner and car enthusiast, resides in Newport Beach, California with his family and will be American Honda's first retail customer to regularly refuel at the recently renovated Irvine hydrogen refueling station. Salomon and his family live in a home he designed and built with an emphasis on energy efficiency as well as recycled and sustainable materials.
Actress and green advocate Laura Harris learned about the FCX Clarity from a friend and test drove a prototype car at the Los Angeles auto show in November 2007. Canadian-born Harris lives in Silverlake, California, and will refuel primarily in Burbank. Lessons learned from her usage patterns and experiences can help pave the way for eventual market expansion outside of the Irvine, Torrance, and Santa Monica areas.
Honda previously announced plans to deliver about 200 FCX Clarity hydrogen fuel cell-powered vehicles in the U.S. and Japan to customers in the first three years of production, with leases beginning in July. The lease program marks the world's first large-scale retail initiative for fuel cell vehicle technology.
First-ever Fuel Cell Vehicle Dealership Network
Reinforcing its commitment to further advance Honda fuel cell technology, American Honda announced that three Southern California dealerships will comprise the world's first fuel cell automobile dealership network. Power Honda Costa Mesa, Honda of Santa Monica and Scott Robinson Honda are each located in close proximity to hydrogen refueling stations and will be well-positioned to support Honda's growing base of FCX Clarity customers.
American Honda is working with its dealer partners to implement processes for fuel cell vehicle lease, delivery and service support for the duration of their leases. Establishing a dedicated sales network and service infrastructure provides customers with the best balance of convenience and the highest quality of service. When the FCX Clarity requires periodic maintenance, customers will simply schedule a visit with their local FCX Clarity dealer.
American Honda will perform all required work at its specialized fuel cell service facility in the greater Los Angeles area. Upon completion of the work, the dealer will return the vehicle to the customer.
About the FCX Clarity
The FCX Clarity is a next-generation, hydrogen powered fuel cell-powered vehicle. Propelled by an electric motor that runs on electricity generated in the fuel cell, the vehicle's only emission is water, and its fuel efficiency is three times that of a modern gasoline-powered automobile. Based on the entirely-new Honda V Flow fuel cell platform, and powered by a highly compact, efficient and powerful new Honda V Flow fuel cell stack, the FCX Clarity marks the significant progress Honda continues to make in advancing the real-world performance and appeal of the fuel cell car. Significant advances over Honda's previous generation FCX include:
- an advanced new four passenger sedan design
- a greater than 30 percent increase in driving range up to 280 miles*
- a 25 percent increase in combined fuel economy to 72 miles/kg-H2*
(74 mpg GGE - 'miles per gallon gasoline gallon equivalent energy')
- a 50 percent improvement in fuel stack power output density by volume
- a 40 percent smaller and 50 percent lighter new lithium ion battery pack
Honda is responsible for the development of the world's first fuel cell car (Honda FCX) to be certified for regular commercial use by the U.S. EPA and California Air Resources Board; the first deployment of a fuel cell car with a fleet customer; and the first individual retail customer for a fuel cell vehicle.
* Based on official 2008 EPA estimated range and fuel efficiency values
source-http://au.biz.yahoo.com/080616/44/1si85.html
Saturday, June 14, 2008
It's a buyer's market for auto insurance
It's a buyer's market for auto insurance
Fewer accidents on state roads translate into lower rates, which are not hard to find.
Getting too much junk mail touting low automobile insurance rates? Being bombarded by television commercials featuring a cute gecko? ¶ Think of them as opportunities, not just irritations. ¶ California is enjoying a buyer's market for auto insurance. And consumers can find bargains -- whether they comparison shop, pick up the phone, check out the Internet or just ask around. ¶ "There's a lot of competition in auto insurance, and that translates into better rates and more options for the consumer," says Amy Bach, executive director of United Policyholders, a San Francisco advocacy group. ¶ But beware: Buyers who aren't careful could also wind up paying more than twice as much as they should for the same coverage if they pick a high-cost insurance company over a low-cost one, according to an online price comparison feature sponsored by the California Department of Insurance, www.insurance.ca.gov. The site allows shoppers to input data to get a roughly individualized premium estimate.
The survey of 48 insurance companies shows that the state's major insurance companies have widely differing rates for sample policyholders. For a Culver City middle-aged male with a clean driving record and a Honda Accord, the cost for full coverage ranged from a low of $929 a year to a high of $3,709.
The site also shows estimated premiums for other types of customers, such as a single woman from Highland Park with one ticket or a senior citizen married couple from Long Beach.
The continuing drop in premiums even surprised me, a careful watcher of insurance rates.
In March, I shopped around and found a premium that was $200 less per year than the competitively priced policy I had purchased last fall.
"It's never been easier to shop," says Robert Hartwig, president and chief economist for the Insurance Information Institute, an industry-backed clearinghouse in New York.
Average auto insurance premiums in California have been dropping for years. They declined 17% between 1996 and 2006, after being adjusted for inflation, according to state regulators. Industry analysts say the trend continued through at least the third quarter of last year, though official numbers for 2007 are not yet available.
Why the dramatic plunge? Because it's been safer to drive in recent years.
The number of most types of accidents declined from 2002 to 2006. According to the California Highway Patrol, total collisions dropped by 4.7% during the five years, injury accidents fell 17.2%, and property-damage accidents were down 3.1%. The lone increase was in fatal accidents, 3.9%.
Experts credit safer cars equipped with multiple air bags and dozens of other protective features. Additionally, they point to better designed roads and bridges, new laws that limit time behind the wheel for accident-prone teenage motorists, and aging baby boomers who have become more careful drivers.
And a new law will soon take effect that could help reduce accidents further. On July 1, California drivers will be required to use a "hands-free" system whenever they use a cellphone in a moving vehicle.
While the trend overall is downward, insurers and agents say they are already beginning to see evidence that an upward tick in rates might be on the horizon, principally because of an increase in the severity of injuries from accidents and inflation in medical costs. But they say it's too early to tell whether the market will "harden" with a generalized rate increase.
While some companies recently have won Insurance Department approval to raise rates, others are still lowering premiums.
Just last week Insurance Commissioner Steve Poizner announced that Los Angeles-based Mercury General Corp., a low-cost insurer, had lowered rates 3% for its 1.5 million customers, mainly in Southern California. In all, Poizner claims to have prodded insurers into cutting auto rates by about $1 billion in 2007 and so far this year.
He predicts that more premium reductions could be on the way "because of how healthy the market is."
Mercury's policyholders, who already are struggling with steep increases in gasoline and food prices, "won't have to worry about the cost of their insurance," Mercury Chairman George Joseph said.
Even though motorists are paying more at the pump, they still might be able to keep down the cost of operating a car and lower their insurance bill by changing their driving habits. They can, for instance, avoid short trips, carpool and take public transit. Driving less lowers the statistical risk of getting into an accident, and that should mean lower insurance premiums.
"If you've stopped driving over 10 miles to work, your rates might be 15% lower," said J. Robert Hunter, the top insurance expert at the Consumer Federation of America in Washington.
Under new rules, California rates must be based mainly on a driver's safety record, years of driving experience and annual number of miles driven; not on the ZIP Code where a car is principally parked.
The new criteria, which take full effect in mid-July, have been a focus of legal contention between regulators and insurance companies since voters approved the Proposition 103 ballot initiative in 1988.
Insurers like to grouse about government regulation. But that hasn't kept them from cutting their premiums in a scramble to gain a larger share of California's $20.3-billion annual auto insurance market, the nation's largest.
Despite lower rates and the most stringent government regulation in the nation, California auto insurers have remained profitable. They earned an average of 10% a year from 1997 to 2006, according to a study by the Consumer Federation of America.
Proposition 103 "does not mean that insurance companies can't be comfortably profitable in this state," says Douglas Heller, executive director of Santa Monica-based Consumer Watchdog.
Proposition 103 actually helped insurers to grow by creating a stable, healthy market, contends Harvey Rosenfield, the initiative's author and founder of the organization, previously known as Foundation for Taxpayer and Consumer Rights.
Efficiency and finding new markets are keys to boosting the bottom line. Tech-savvy companies like Geico and Esurance are cutting expenses by eliminating commissions paid to agents and selling policies online, directly to customers.
Other companies are generating new revenue by concentrating on marketing to Hispanic drivers, who may prefer to deal with a neighborhood agent, industry experts and executives say.
"We're a niche player interested in people who want to do all their financial services online," says Kristin Brewe, director of brand and public relations for Esurance. Total annual written premiums at the 9-year-old, San Francisco-based insurer rose from $4 million its first year, 2000, to $800 million in 2007.
Esurance recruits customers by relying on a television ad campaign that features the animated adventures of a female action heroine. "Erin" constantly battles "high-priced insurance" monsters before she swiftly buys and prints a new policy and speeds away in her car to fight another day.
"Auto insurance is really boring to most people. Nobody takes the time to think about it. They want to buy it and have it disappear," says Esurance's Brewe. "But, now, it's easy to buy on the Internet. They can save a lot of money."
source-http://www.latimes.com/business/la-fi-cover15-2008jun15,0,3253863,full.story
Fewer accidents on state roads translate into lower rates, which are not hard to find.
Getting too much junk mail touting low automobile insurance rates? Being bombarded by television commercials featuring a cute gecko? ¶ Think of them as opportunities, not just irritations. ¶ California is enjoying a buyer's market for auto insurance. And consumers can find bargains -- whether they comparison shop, pick up the phone, check out the Internet or just ask around. ¶ "There's a lot of competition in auto insurance, and that translates into better rates and more options for the consumer," says Amy Bach, executive director of United Policyholders, a San Francisco advocacy group. ¶ But beware: Buyers who aren't careful could also wind up paying more than twice as much as they should for the same coverage if they pick a high-cost insurance company over a low-cost one, according to an online price comparison feature sponsored by the California Department of Insurance, www.insurance.ca.gov. The site allows shoppers to input data to get a roughly individualized premium estimate.
The survey of 48 insurance companies shows that the state's major insurance companies have widely differing rates for sample policyholders. For a Culver City middle-aged male with a clean driving record and a Honda Accord, the cost for full coverage ranged from a low of $929 a year to a high of $3,709.
The site also shows estimated premiums for other types of customers, such as a single woman from Highland Park with one ticket or a senior citizen married couple from Long Beach.
The continuing drop in premiums even surprised me, a careful watcher of insurance rates.
In March, I shopped around and found a premium that was $200 less per year than the competitively priced policy I had purchased last fall.
"It's never been easier to shop," says Robert Hartwig, president and chief economist for the Insurance Information Institute, an industry-backed clearinghouse in New York.
Average auto insurance premiums in California have been dropping for years. They declined 17% between 1996 and 2006, after being adjusted for inflation, according to state regulators. Industry analysts say the trend continued through at least the third quarter of last year, though official numbers for 2007 are not yet available.
Why the dramatic plunge? Because it's been safer to drive in recent years.
The number of most types of accidents declined from 2002 to 2006. According to the California Highway Patrol, total collisions dropped by 4.7% during the five years, injury accidents fell 17.2%, and property-damage accidents were down 3.1%. The lone increase was in fatal accidents, 3.9%.
Experts credit safer cars equipped with multiple air bags and dozens of other protective features. Additionally, they point to better designed roads and bridges, new laws that limit time behind the wheel for accident-prone teenage motorists, and aging baby boomers who have become more careful drivers.
And a new law will soon take effect that could help reduce accidents further. On July 1, California drivers will be required to use a "hands-free" system whenever they use a cellphone in a moving vehicle.
While the trend overall is downward, insurers and agents say they are already beginning to see evidence that an upward tick in rates might be on the horizon, principally because of an increase in the severity of injuries from accidents and inflation in medical costs. But they say it's too early to tell whether the market will "harden" with a generalized rate increase.
While some companies recently have won Insurance Department approval to raise rates, others are still lowering premiums.
Just last week Insurance Commissioner Steve Poizner announced that Los Angeles-based Mercury General Corp., a low-cost insurer, had lowered rates 3% for its 1.5 million customers, mainly in Southern California. In all, Poizner claims to have prodded insurers into cutting auto rates by about $1 billion in 2007 and so far this year.
He predicts that more premium reductions could be on the way "because of how healthy the market is."
Mercury's policyholders, who already are struggling with steep increases in gasoline and food prices, "won't have to worry about the cost of their insurance," Mercury Chairman George Joseph said.
Even though motorists are paying more at the pump, they still might be able to keep down the cost of operating a car and lower their insurance bill by changing their driving habits. They can, for instance, avoid short trips, carpool and take public transit. Driving less lowers the statistical risk of getting into an accident, and that should mean lower insurance premiums.
"If you've stopped driving over 10 miles to work, your rates might be 15% lower," said J. Robert Hunter, the top insurance expert at the Consumer Federation of America in Washington.
Under new rules, California rates must be based mainly on a driver's safety record, years of driving experience and annual number of miles driven; not on the ZIP Code where a car is principally parked.
The new criteria, which take full effect in mid-July, have been a focus of legal contention between regulators and insurance companies since voters approved the Proposition 103 ballot initiative in 1988.
Insurers like to grouse about government regulation. But that hasn't kept them from cutting their premiums in a scramble to gain a larger share of California's $20.3-billion annual auto insurance market, the nation's largest.
Despite lower rates and the most stringent government regulation in the nation, California auto insurers have remained profitable. They earned an average of 10% a year from 1997 to 2006, according to a study by the Consumer Federation of America.
Proposition 103 "does not mean that insurance companies can't be comfortably profitable in this state," says Douglas Heller, executive director of Santa Monica-based Consumer Watchdog.
Proposition 103 actually helped insurers to grow by creating a stable, healthy market, contends Harvey Rosenfield, the initiative's author and founder of the organization, previously known as Foundation for Taxpayer and Consumer Rights.
Efficiency and finding new markets are keys to boosting the bottom line. Tech-savvy companies like Geico and Esurance are cutting expenses by eliminating commissions paid to agents and selling policies online, directly to customers.
Other companies are generating new revenue by concentrating on marketing to Hispanic drivers, who may prefer to deal with a neighborhood agent, industry experts and executives say.
"We're a niche player interested in people who want to do all their financial services online," says Kristin Brewe, director of brand and public relations for Esurance. Total annual written premiums at the 9-year-old, San Francisco-based insurer rose from $4 million its first year, 2000, to $800 million in 2007.
Esurance recruits customers by relying on a television ad campaign that features the animated adventures of a female action heroine. "Erin" constantly battles "high-priced insurance" monsters before she swiftly buys and prints a new policy and speeds away in her car to fight another day.
"Auto insurance is really boring to most people. Nobody takes the time to think about it. They want to buy it and have it disappear," says Esurance's Brewe. "But, now, it's easy to buy on the Internet. They can save a lot of money."
source-http://www.latimes.com/business/la-fi-cover15-2008jun15,0,3253863,full.story
Hidden car hire costs lurking abroad
Hidden car hire costs lurking abroad
Hiring a car abroad calls for extra vigilance to stay clear of “cons and hidden costs,” writes James Salmon in the Daily Mail.
Car hire operates abroad will try to convince you to agree to all sorts of extras that you don’t need when you arrive at their airport service counter, and it’s easy to be persuaded, especially if you’re tired or have particularly if you’re jet-lagged or have irritable children in tow.
The tactics often begin with the car itself. Some agents will either try to convince you to upgrade to a larger vehicle or will try to give you a vehicle you didn’t book.
When you book a car online you typically have to choose the size of car, but unsuspecting holiday makers are sometimes told that the car won’t be large enough and they’re then advised to select a larger model, at a higher rate.
The car hire company is breaching a contract if they don’t provide you what you paid for, and you’re entitled to claim back costs exceeding what you were originally promised
Ian Crowder, AA Insurance spokesman, recommended: “Don’t get fobbed off. Refuse to pay more if they haven’t got the car you booked.”
Insurance is another issue. Holiday makers are frequently told that the insurance they paid for when booking their car online isn’t actually ‘fully comprehensive’ after all.
Consumer group Which? issued a recent report documenting that it costs up to £10 a day for a compact car for additional cover, but even with this, the roof, undercarriage, windscreen, wheels and tyres of the vehicle may not be covered. “You need to make a judgment call,” noted Mr Crowder. “You may feel that paying an extra amount to protect yourself in the unlikely event of making a claim may not be worth it.”
source-http://news.carrentals.co.uk/hidden-car-hire-costs-lurking-abroad-3422569.html
Hiring a car abroad calls for extra vigilance to stay clear of “cons and hidden costs,” writes James Salmon in the Daily Mail.
Car hire operates abroad will try to convince you to agree to all sorts of extras that you don’t need when you arrive at their airport service counter, and it’s easy to be persuaded, especially if you’re tired or have particularly if you’re jet-lagged or have irritable children in tow.
The tactics often begin with the car itself. Some agents will either try to convince you to upgrade to a larger vehicle or will try to give you a vehicle you didn’t book.
When you book a car online you typically have to choose the size of car, but unsuspecting holiday makers are sometimes told that the car won’t be large enough and they’re then advised to select a larger model, at a higher rate.
The car hire company is breaching a contract if they don’t provide you what you paid for, and you’re entitled to claim back costs exceeding what you were originally promised
Ian Crowder, AA Insurance spokesman, recommended: “Don’t get fobbed off. Refuse to pay more if they haven’t got the car you booked.”
Insurance is another issue. Holiday makers are frequently told that the insurance they paid for when booking their car online isn’t actually ‘fully comprehensive’ after all.
Consumer group Which? issued a recent report documenting that it costs up to £10 a day for a compact car for additional cover, but even with this, the roof, undercarriage, windscreen, wheels and tyres of the vehicle may not be covered. “You need to make a judgment call,” noted Mr Crowder. “You may feel that paying an extra amount to protect yourself in the unlikely event of making a claim may not be worth it.”
source-http://news.carrentals.co.uk/hidden-car-hire-costs-lurking-abroad-3422569.html
Tuesday, May 27, 2008
Cash Advance Loans - Are The Fees Worth It?
Cash Advance Loans - Are The Fees Worth It?
To solve the overnight problem for financial need in emergency we have the facility of cash advance loans. It is actually the money required between any two paydays. Now-a-days $100, $500 or even $1000 can be out on your doorstep by just filling an application online. These cash advance loans are easily availed and are actually secured by a personal check. Some of the companied may demand credit card information or the bank account information instead of security checks.
One needs to give a check of an agreed amount, which can be taken out from our bank on the maturity of the agreement. Generally it takes two weeks to pay off such cash advance loans. These loans are received in the checking account after deduction of the company’s processing fee, etc. but the interest is charged on the full principal amount.
There are some cash advance loans, which are fax-less payday loans. In these loans there is no fax required. Some basic questions need to be answered by the borrower and the application is filled online. The fax-less cash advance loans do not require any checks or any reporting of the credit history. This is an easy process for those who are not able to make-up with their money requirement till next paycheck.
There is as such no difference between a payday loans or cash advance loans. Both these loans essentially mean the same thing but there is a big difference in the two types of cash advance loans. Fax-less cash advance loans are also called as the short-term loans. The lending amount varies from $100 to $500. This amount proves as a help for the borrower in paying the bills or for additional expenses which they otherwise would not be able to fulfill in absence of cash. This amount generally paid back around the applicant’s next payday. Where as in loans where faxing is required takes time to en-cash. There the documents are required to be faxed to the financial institutions. Thereafter the documents are reviewed and the credit history is tallied. Henceforth the loan is approved or disapproved. This way of opting cash advance loans is very long and do not fulfill any urgent requirement as per the situation. In fax-less loans one does not need to wait for the money till tomorrow when it is actually needed today.
Everyone thinks that why these companies that provide cash advance loans work? The simplest and the major reason for this is the fee, which amounts to a very large profit at the consumer’s expense. For a two week loan the interest charged is nearly 15%. This amount comes up to 3785% yearly compounded. The lenders have a very simple and fruitful way to earn their living.
Cash advance loans have enormous advantages. There is no amount of fixed payment to be made which will be a burden for the applicant. One can have automated paycheck facility the various cards such as VISA or Master Card determine the repayments. The process of opting for cash advance loans is very fast which is without any limitations or any pre-conditions.
Like every coin has two sides cash advance loans also have their darker side. They attract exorbitant interest rates and high processing fee as well. Thus these cash advance loans should be availed in emergency or extreme cash requirement situations only.
Article Source: http://publisherscloninghouse.com
To solve the overnight problem for financial need in emergency we have the facility of cash advance loans. It is actually the money required between any two paydays. Now-a-days $100, $500 or even $1000 can be out on your doorstep by just filling an application online. These cash advance loans are easily availed and are actually secured by a personal check. Some of the companied may demand credit card information or the bank account information instead of security checks.
One needs to give a check of an agreed amount, which can be taken out from our bank on the maturity of the agreement. Generally it takes two weeks to pay off such cash advance loans. These loans are received in the checking account after deduction of the company’s processing fee, etc. but the interest is charged on the full principal amount.
There are some cash advance loans, which are fax-less payday loans. In these loans there is no fax required. Some basic questions need to be answered by the borrower and the application is filled online. The fax-less cash advance loans do not require any checks or any reporting of the credit history. This is an easy process for those who are not able to make-up with their money requirement till next paycheck.
There is as such no difference between a payday loans or cash advance loans. Both these loans essentially mean the same thing but there is a big difference in the two types of cash advance loans. Fax-less cash advance loans are also called as the short-term loans. The lending amount varies from $100 to $500. This amount proves as a help for the borrower in paying the bills or for additional expenses which they otherwise would not be able to fulfill in absence of cash. This amount generally paid back around the applicant’s next payday. Where as in loans where faxing is required takes time to en-cash. There the documents are required to be faxed to the financial institutions. Thereafter the documents are reviewed and the credit history is tallied. Henceforth the loan is approved or disapproved. This way of opting cash advance loans is very long and do not fulfill any urgent requirement as per the situation. In fax-less loans one does not need to wait for the money till tomorrow when it is actually needed today.
Everyone thinks that why these companies that provide cash advance loans work? The simplest and the major reason for this is the fee, which amounts to a very large profit at the consumer’s expense. For a two week loan the interest charged is nearly 15%. This amount comes up to 3785% yearly compounded. The lenders have a very simple and fruitful way to earn their living.
Cash advance loans have enormous advantages. There is no amount of fixed payment to be made which will be a burden for the applicant. One can have automated paycheck facility the various cards such as VISA or Master Card determine the repayments. The process of opting for cash advance loans is very fast which is without any limitations or any pre-conditions.
Like every coin has two sides cash advance loans also have their darker side. They attract exorbitant interest rates and high processing fee as well. Thus these cash advance loans should be availed in emergency or extreme cash requirement situations only.
Article Source: http://publisherscloninghouse.com
Classic Auto Insurance Free Useful Guidepost
Classic Auto Insurance Free Useful Guidepost
If your major interest is information related to Classic Auto Insurance or any other such as North Carolina Auto Insurance Quotes, Millers Mutual Insurance, Homeowners Insurance Providers, Vehicle Insurance Ratings, California Low Cost Auto Insurance Program or Adding A Car To Insurance, this article can prove useful.
Then there is this marvelous tip that works like magic. Ever thought of buying both your homeowners and auto coverage from the same insurer? Most insurers will give you a good discount when you purchase more than one type of insurance. The same principal works when you get more than one car insured by the same people.
Finally, don’t forget that no matter how good the auto insurance company looks and even if the premium or monthly insurance rate fits in your budget if the auto insurance provider doesn’t meet your needs as a potential customer, then they really don’t deserve your business. Customer service means a lot nowadays so if it takes 30 minutes to speak to an insurance representative or if you are unable to access your auto insurance policy or account online due to constant computer problems then it may not be worth the time and aggravation even if the insurance rates really are the cheapest.
Prior to purchasing an auto insurance policy get as many price quotes as possible from different companies. This can be done online, through visiting the agencies personally or through an agent. Always go with a company which is financially stable.
INTERVAL — Did you notice so far that this article is indeed related to Classic Auto Insurance? If not, go ahead and read on. You will find more information that can help you as regards Classic Auto Insurance or other related Auto Owners Insurance Lansing Mi, Term Life Insurance Prices, Cheap Tennessee Auto Insurance, Discount Auto INS, Affordable Motorcycle Insurance and Arizona Car Insurance Online Quote.
Raise your deductible - Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500 can save you hundred dollars or more on your annual premium. However, plans on having additional financial resources to cover the deductible in case of an accident.
You may want to consider letting your teenager drive the family car instead of buying his/her own vehicle. This will very likely lower your cost to cover them. Students in school and living away from home can reduce their premiums by 30 - 50%, depending on the insurer.
If as related to State Auto Insurance as this article is, and it still doesn’t answer all your needs, then don’t forget that you can conduct more searches on any of the major search engines like Google.com to get more helpful State Auto Insurance information.
Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.
Many people looking for information about Classic Auto Insurance also looked online for Auto Owners Insurance Charlotte NC, Collectors Car Insurance, and even Safe Auto Insurance Group.
source-http://www.my2live.com/
If your major interest is information related to Classic Auto Insurance or any other such as North Carolina Auto Insurance Quotes, Millers Mutual Insurance, Homeowners Insurance Providers, Vehicle Insurance Ratings, California Low Cost Auto Insurance Program or Adding A Car To Insurance, this article can prove useful.
Then there is this marvelous tip that works like magic. Ever thought of buying both your homeowners and auto coverage from the same insurer? Most insurers will give you a good discount when you purchase more than one type of insurance. The same principal works when you get more than one car insured by the same people.
Finally, don’t forget that no matter how good the auto insurance company looks and even if the premium or monthly insurance rate fits in your budget if the auto insurance provider doesn’t meet your needs as a potential customer, then they really don’t deserve your business. Customer service means a lot nowadays so if it takes 30 minutes to speak to an insurance representative or if you are unable to access your auto insurance policy or account online due to constant computer problems then it may not be worth the time and aggravation even if the insurance rates really are the cheapest.
Prior to purchasing an auto insurance policy get as many price quotes as possible from different companies. This can be done online, through visiting the agencies personally or through an agent. Always go with a company which is financially stable.
INTERVAL — Did you notice so far that this article is indeed related to Classic Auto Insurance? If not, go ahead and read on. You will find more information that can help you as regards Classic Auto Insurance or other related Auto Owners Insurance Lansing Mi, Term Life Insurance Prices, Cheap Tennessee Auto Insurance, Discount Auto INS, Affordable Motorcycle Insurance and Arizona Car Insurance Online Quote.
Raise your deductible - Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500 can save you hundred dollars or more on your annual premium. However, plans on having additional financial resources to cover the deductible in case of an accident.
You may want to consider letting your teenager drive the family car instead of buying his/her own vehicle. This will very likely lower your cost to cover them. Students in school and living away from home can reduce their premiums by 30 - 50%, depending on the insurer.
If as related to State Auto Insurance as this article is, and it still doesn’t answer all your needs, then don’t forget that you can conduct more searches on any of the major search engines like Google.com to get more helpful State Auto Insurance information.
Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.
Many people looking for information about Classic Auto Insurance also looked online for Auto Owners Insurance Charlotte NC, Collectors Car Insurance, and even Safe Auto Insurance Group.
source-http://www.my2live.com/
West Coast Business Sells Instant Mexican Auto Insurance Online
West Coast Business Sells Instant Mexican Auto Insurance Online
Celebrating there sixth year in business this month, The Mexican Insurance Store.com is a leading Mexican Auto Insurance Agency located in Southern California.
Mexican Insurance Store.com is the #1 Seller of Mexican Car Insurance in all of Southern California.
Selling Mexican Auto Insurance to Tourists visiting Mexico is the primary purpose of The Mexican Insurance Store.com. Utilizing the internet by selling online makes it very simple for customers to get a quote, make a purchase, and print out a policy in just minutes. The Mexican authorities will not recognize coverage from American or Canadian issued insurance policies. Therefore, using The Mexican Insurance Store.com is a very smart move. Why? They are recognized as a Mexican Company. Sell comprehensive, admitted, and recognized Mexican auto insurance at very affordable rates.
The Mexican Insurance Store.com opened in Hacienda Heights, CA six years ago and has made substantial growth. Current policyholders are located in the states of California, Arizona and Texas. in many states across the US and Canada. The owner attributes this expansion in growth to a growing awareness among consumers that it is easy to purchase a policy in the comfort of their own homes.
“Don’t just drive to the border and just accept whatever is being offered,” he said.
Policies sold on Mexican Insurance Store.com are easy to purchase and understand. Their pricing starts at $150 per year and the daily rates are $16 to $20 a day.
Hours: Sunday through Saturday, 8:30 a.m. to 6:30 p.m.
Their address is 3819 St. Austell Way, Perris, CA. The owner Linden Gray has more than 29 years of retail, direct and international insurance experience. They currently employee four people.
source-http://www.my2live.com/
Celebrating there sixth year in business this month, The Mexican Insurance Store.com is a leading Mexican Auto Insurance Agency located in Southern California.
Mexican Insurance Store.com is the #1 Seller of Mexican Car Insurance in all of Southern California.
Selling Mexican Auto Insurance to Tourists visiting Mexico is the primary purpose of The Mexican Insurance Store.com. Utilizing the internet by selling online makes it very simple for customers to get a quote, make a purchase, and print out a policy in just minutes. The Mexican authorities will not recognize coverage from American or Canadian issued insurance policies. Therefore, using The Mexican Insurance Store.com is a very smart move. Why? They are recognized as a Mexican Company. Sell comprehensive, admitted, and recognized Mexican auto insurance at very affordable rates.
The Mexican Insurance Store.com opened in Hacienda Heights, CA six years ago and has made substantial growth. Current policyholders are located in the states of California, Arizona and Texas. in many states across the US and Canada. The owner attributes this expansion in growth to a growing awareness among consumers that it is easy to purchase a policy in the comfort of their own homes.
“Don’t just drive to the border and just accept whatever is being offered,” he said.
Policies sold on Mexican Insurance Store.com are easy to purchase and understand. Their pricing starts at $150 per year and the daily rates are $16 to $20 a day.
Hours: Sunday through Saturday, 8:30 a.m. to 6:30 p.m.
Their address is 3819 St. Austell Way, Perris, CA. The owner Linden Gray has more than 29 years of retail, direct and international insurance experience. They currently employee four people.
source-http://www.my2live.com/
Get The Right Car Insurance And Save Money Too
Get The Right Car Insurance And Save Money Too
Out of towners: If you’re in the military or going on an extended trip, there is no sense paying full coverage on a car that is just sitting there. If the car is stored (for whatever reason) the likelihood of it being in an accident is virtually nil, so comprehensive storage coverage is a sure fire way to save a small bundle.
When you file a claim, a deductible is the amount you pay first before your insurer pays the remaining balance. Often people select lower deductibles, so when they have to submit a claim, their out-of-pocket expenses are minimal. But the truth is, the higher your collision and comprehensive deductibles the lower your auto insurance premium. The savings by increasing your deductible to say $1,000 from $250 are significant-you can save hundreds of dollars off your insurance premium.
Since the insurance you pay for is primarily for your protection, lowering your liability and medical payments is generally not the recommended way to acquire savings on your premiums. These should remain a priority for your wellbeing.
Try and lower your liability, collision or medical payments coverage: you can lower your coverage by keeping in mind some of the simplest points. Like by increasing your deductibles on your car you can easily lower down the comprehensive and the collision coverage and probably they are the first to be look at.
Loyalty counts: Most insurers give discounts for policies that are written for longer periods of time. The difference in a short term policy and a longer term policy is surprising and should be considered.
Anti-theft Protection: Almost all cars produced now have a few devices aimed at protecting the owner from auto theft. Most insurers will give discounts to you for being a proactive owner. Depending on the state in which you live, you may qualify for additional discounts for such things as window sketching.
All under one roof: Insurers love to have your car, home or renter’s policies all to themselves. By combining all your insurance needs with one provider, you can see saving up to 25%.
These are some of the methods to obtain a cheap auto insurance. You should also check car insurance quote of each company and compare them with other companies. Unless you will compare these quotes you won’t be able to get the best deal for your car. Hope you got a pretty clearer idea of how to get cheap car insurance.
source-http://memory-101.com/
Out of towners: If you’re in the military or going on an extended trip, there is no sense paying full coverage on a car that is just sitting there. If the car is stored (for whatever reason) the likelihood of it being in an accident is virtually nil, so comprehensive storage coverage is a sure fire way to save a small bundle.
When you file a claim, a deductible is the amount you pay first before your insurer pays the remaining balance. Often people select lower deductibles, so when they have to submit a claim, their out-of-pocket expenses are minimal. But the truth is, the higher your collision and comprehensive deductibles the lower your auto insurance premium. The savings by increasing your deductible to say $1,000 from $250 are significant-you can save hundreds of dollars off your insurance premium.
Since the insurance you pay for is primarily for your protection, lowering your liability and medical payments is generally not the recommended way to acquire savings on your premiums. These should remain a priority for your wellbeing.
Try and lower your liability, collision or medical payments coverage: you can lower your coverage by keeping in mind some of the simplest points. Like by increasing your deductibles on your car you can easily lower down the comprehensive and the collision coverage and probably they are the first to be look at.
Loyalty counts: Most insurers give discounts for policies that are written for longer periods of time. The difference in a short term policy and a longer term policy is surprising and should be considered.
Anti-theft Protection: Almost all cars produced now have a few devices aimed at protecting the owner from auto theft. Most insurers will give discounts to you for being a proactive owner. Depending on the state in which you live, you may qualify for additional discounts for such things as window sketching.
All under one roof: Insurers love to have your car, home or renter’s policies all to themselves. By combining all your insurance needs with one provider, you can see saving up to 25%.
These are some of the methods to obtain a cheap auto insurance. You should also check car insurance quote of each company and compare them with other companies. Unless you will compare these quotes you won’t be able to get the best deal for your car. Hope you got a pretty clearer idea of how to get cheap car insurance.
source-http://memory-101.com/
Monday, April 28, 2008
Life Insurance
Life Insurance
You know when you are young you need a lot of coverage to protect your family in the event of an untimely death, you want your family taken care of. But when you’re older you don’t as much, your children are grown and you want enough not to be a burden on your family for final expenses. Buying insurance can be a confusing task, but if you are informed you don’t have to pay a arm and a leg for the premium.
Get your life insurance quotes and buy it at wholesale insurance. Too many people pay way more for their coverage than necessary. Term life insurance is the way to buy insurance. You can get it for 5,10, 15, 20, year level term, which means the premium stays the same for the stated number of years. Educate yourself on insurance and then get your term insurance for the least amount of money for the most coverage.
source-http://www.organic4all.com/
You know when you are young you need a lot of coverage to protect your family in the event of an untimely death, you want your family taken care of. But when you’re older you don’t as much, your children are grown and you want enough not to be a burden on your family for final expenses. Buying insurance can be a confusing task, but if you are informed you don’t have to pay a arm and a leg for the premium.
Get your life insurance quotes and buy it at wholesale insurance. Too many people pay way more for their coverage than necessary. Term life insurance is the way to buy insurance. You can get it for 5,10, 15, 20, year level term, which means the premium stays the same for the stated number of years. Educate yourself on insurance and then get your term insurance for the least amount of money for the most coverage.
source-http://www.organic4all.com/
Life Insurance Rate Quotes Comparison
Life Insurance Rate Quotes Comparison
(Best Syndication) There are many types of insurance available and life insurance is probably the one that we never want to think about. Best Syndication has put together a life insurance rate comparison chart for a man born on January 1st 1970. Why that date? This is a good age for a man to consider life insurance.
Life insurance is created to protect a family and their assets in the event of the death of the “bread winner”. Many individuals in their early 20s do not have a family and thus little need for life insurance. But as we age our responsibilities increase. This is the time we need to consider some sort of protection.
There are several variables involved in computing life insurance including age and health risk. The lowest rate determined for a $750,000 of coverage was $50 per month. This was term life insurance for a “preferred” customer.
The preferred customer is not the most desirable customer. The most desirable customer is the “Best” class life insurance customer. To get a quote we also chose “never a smoker” as a criterion.
Life insurance rates may vary from state to state as well. For our survey we chose California. We also chose a policy with a 20 year term.
So how did the companies stack-up? Back in January we found that Ing Direct, Banner Life and West Coast Life were the lowest. Their rate was $50 per month. Genworth Financial came in at $52 per month. Lincoln Financial Group and North American Company for Life Insurance came in at $54 per month.
We have now conducted a new survey. Since January we have found little change. Banner Direct has and Ing Direct were still just $50 per month. Genworth is now charging $52 for the same policy. Lincoln and North American Company are still charging $54 but West Coast Life is now charging $55 per month.
source-http://www.bestsyndication.com/?q=20080425_life_insurance_rates_comparison.htm
(Best Syndication) There are many types of insurance available and life insurance is probably the one that we never want to think about. Best Syndication has put together a life insurance rate comparison chart for a man born on January 1st 1970. Why that date? This is a good age for a man to consider life insurance.
Life insurance is created to protect a family and their assets in the event of the death of the “bread winner”. Many individuals in their early 20s do not have a family and thus little need for life insurance. But as we age our responsibilities increase. This is the time we need to consider some sort of protection.
There are several variables involved in computing life insurance including age and health risk. The lowest rate determined for a $750,000 of coverage was $50 per month. This was term life insurance for a “preferred” customer.
The preferred customer is not the most desirable customer. The most desirable customer is the “Best” class life insurance customer. To get a quote we also chose “never a smoker” as a criterion.
Life insurance rates may vary from state to state as well. For our survey we chose California. We also chose a policy with a 20 year term.
So how did the companies stack-up? Back in January we found that Ing Direct, Banner Life and West Coast Life were the lowest. Their rate was $50 per month. Genworth Financial came in at $52 per month. Lincoln Financial Group and North American Company for Life Insurance came in at $54 per month.
We have now conducted a new survey. Since January we have found little change. Banner Direct has and Ing Direct were still just $50 per month. Genworth is now charging $52 for the same policy. Lincoln and North American Company are still charging $54 but West Coast Life is now charging $55 per month.
source-http://www.bestsyndication.com/?q=20080425_life_insurance_rates_comparison.htm
Car Insurance for Woman Free Related Article
Car Insurance for Woman Free Related Article
Finding specific information about car insurance for woman might not be easy but we have gathered very helpful and relevant information about the general subject matter, with the ultimate aim of helping you out. Even if your search is about other car insurance for woman information, such as auto insurance Escondido, Texas auto insurance laws, Illinois auto insurance rate, auto insurance discounters, inexpensive auto insurance or even auto ins, this article will prove very helpful, to say the least.
The World Of antique car insurance
If you own an older car look into dropping such things as collision and comprehensive insurance. It may not be cost effective if the value of your car is low.
A lower end or more common sports cars can often be insured for less, and are cheaper to buy so you win twice there. Once you have your car however, take the necessary security precautions to keep it safe. An annoying car alarm is an excellent investment, as well as immobilizers and a steering lock. Parking in a secure garage is also another way to assuage your insurer’s fears and persuade them to lower the premiums. It’s not only for their benefit either. If your car is stolen then you will face an increase in premiums, so it’s in your best interests to keep it safe.
Any teen that is just beginning to drive should concentrate on safe driving with no accidents for at least a year or two and then contact their insurance company to inquire about lower rates. Try to set a good example for your teen if he or she is in the car when you are driving - no tailgating, speeding or reckless driving.
RECESS — As is obvious from the half of this article, even if your direct quest is antique car insurance, reading to the end will prove helpful, as this article has also helped those looking for information about house insurance, ERIE auto insurance quote, Florida auto insurance companies, auto cover, lowest auto insurance rate or even low cost auto insurance.
Interesting Information About antique car insurance
If you have membership in any school or professional organizations, let your insurance company know. Some insurance companies offer significant discounts for membership of various alumni, fraternity and student associations; for example, the Golden Key National Honor Society.
Keep your driving track record clean. Easier said than done, no doubt, but it really pays in the long run. If you have a couple of accidents to your credit, chances are that you may have to empty your pockets a little more to have your car insured. This is the auto insurers’ way of hedging the risk from your bad driving and safeguarding themselves from a possible claim in the near future.
Find a good online discount car insurance broker before renewing. The Internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don’t just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.
Get rebates. Some states that allow “rebating”. California law, for example, allows agents to rebate part of their commission to you. If you live in a non-rebating state, find a California company online!
I know that as informative as this article is, it might not adequately cover your car insurance for woman quest. If this is so, don’t forget that the search engines like Dogpile.com exist for looking up more information about car insurance for woman.
Many folks seeking online for articles related to best car insurance also sought for articles about auto insurance quote, auto insurance, and even auto insurance rates.
IN CLOSING — I am certain you have learnt one thing or another about this article that should help in your search for antique car insurance or any other auto insurance quote, auto insurance riverside, cheap liability auto insurance, high risk auto insurance, new jersey insurance or insurance coverage information.
Deepak Kulkarni is a prolific writer who has taken the time to write very helpful and insightful articles on various subjects such as antique car insurance and other information in some way related to auto insurance Canada, auto liability insurance, AIS insurance, low cost auto insurance quote, cheapest car insurers and even auto insurance company.
ABOUT THIS WEBSITE — This website contains specific and general information related to car insurance for woman. It also contains information somewhat related to auto accident insurance claims, motor insurance, safe auto, cheap motor insurance quote, buy auto insurance online and motor insurance quote.
So here is chance to get your free tips on cheap car insurance and in addition to that get basic information on saving money visit http://information-get.com/carinsurancequotes
source-http://starterwebmaster.bminded.com/
Finding specific information about car insurance for woman might not be easy but we have gathered very helpful and relevant information about the general subject matter, with the ultimate aim of helping you out. Even if your search is about other car insurance for woman information, such as auto insurance Escondido, Texas auto insurance laws, Illinois auto insurance rate, auto insurance discounters, inexpensive auto insurance or even auto ins, this article will prove very helpful, to say the least.
The World Of antique car insurance
If you own an older car look into dropping such things as collision and comprehensive insurance. It may not be cost effective if the value of your car is low.
A lower end or more common sports cars can often be insured for less, and are cheaper to buy so you win twice there. Once you have your car however, take the necessary security precautions to keep it safe. An annoying car alarm is an excellent investment, as well as immobilizers and a steering lock. Parking in a secure garage is also another way to assuage your insurer’s fears and persuade them to lower the premiums. It’s not only for their benefit either. If your car is stolen then you will face an increase in premiums, so it’s in your best interests to keep it safe.
Any teen that is just beginning to drive should concentrate on safe driving with no accidents for at least a year or two and then contact their insurance company to inquire about lower rates. Try to set a good example for your teen if he or she is in the car when you are driving - no tailgating, speeding or reckless driving.
RECESS — As is obvious from the half of this article, even if your direct quest is antique car insurance, reading to the end will prove helpful, as this article has also helped those looking for information about house insurance, ERIE auto insurance quote, Florida auto insurance companies, auto cover, lowest auto insurance rate or even low cost auto insurance.
Interesting Information About antique car insurance
If you have membership in any school or professional organizations, let your insurance company know. Some insurance companies offer significant discounts for membership of various alumni, fraternity and student associations; for example, the Golden Key National Honor Society.
Keep your driving track record clean. Easier said than done, no doubt, but it really pays in the long run. If you have a couple of accidents to your credit, chances are that you may have to empty your pockets a little more to have your car insured. This is the auto insurers’ way of hedging the risk from your bad driving and safeguarding themselves from a possible claim in the near future.
Find a good online discount car insurance broker before renewing. The Internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don’t just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.
Get rebates. Some states that allow “rebating”. California law, for example, allows agents to rebate part of their commission to you. If you live in a non-rebating state, find a California company online!
I know that as informative as this article is, it might not adequately cover your car insurance for woman quest. If this is so, don’t forget that the search engines like Dogpile.com exist for looking up more information about car insurance for woman.
Many folks seeking online for articles related to best car insurance also sought for articles about auto insurance quote, auto insurance, and even auto insurance rates.
IN CLOSING — I am certain you have learnt one thing or another about this article that should help in your search for antique car insurance or any other auto insurance quote, auto insurance riverside, cheap liability auto insurance, high risk auto insurance, new jersey insurance or insurance coverage information.
Deepak Kulkarni is a prolific writer who has taken the time to write very helpful and insightful articles on various subjects such as antique car insurance and other information in some way related to auto insurance Canada, auto liability insurance, AIS insurance, low cost auto insurance quote, cheapest car insurers and even auto insurance company.
ABOUT THIS WEBSITE — This website contains specific and general information related to car insurance for woman. It also contains information somewhat related to auto accident insurance claims, motor insurance, safe auto, cheap motor insurance quote, buy auto insurance online and motor insurance quote.
So here is chance to get your free tips on cheap car insurance and in addition to that get basic information on saving money visit http://information-get.com/carinsurancequotes
source-http://starterwebmaster.bminded.com/
Antique Car Insurance Important Guide
Antique Car Insurance Important Guide
As you devour this article, remember that the rest of it contains valuable information related to best car insurance and in some way related to life insurance quote, auto insurance company, low cost auto insurance quote, cheap motorcycle insurance quote, low cost life insurance or auto insurance coverage for your reading pleasure.
Best car insurance Exposed
If you own an older car look into dropping such things as collision and comprehensive insurance. It may not be cost effective if the value of your car is low.
A lower end or more common sports cars can often be insured for less, and are cheaper to buy so you win twice there. Once you have your car however, take the necessary security precautions to keep it safe. An annoying car alarm is an excellent investment, as well as immobilizers and a steering lock. Parking in a secure garage is also another way to assuage your insurer’s fears and persuade them to lower the premiums. It’s not only for their benefit either. If your car is stolen then you will face an increase in premiums, so it’s in your best interests to keep it safe.
If you are buying a car for your teen as soon as, they turn 16, choose the type of car carefully. Your teen is more likely to drive safely in a sensible car fitted with safety features, rather than a fast sports car. Fast driving will be less of a temptation and the insurance premiums will be lower too. Try to avoid letting your teen drive a truck or SUV, which are more likely to be involved in rollover accidents.
KEEP READING — That’s right. Keep reading and you will find other best car insurance related information that will not only excite you but also educate you about best car insurance in general and even other auto insurance quote in Canada, auto insurance co, Iowa auto insurance quote, direct auto insurance, auto insurers and auto insurance estimate information.
Interesting Information About antique car insurance
If you have membership in any school or professional organizations, let your insurance company know. Some insurance companies offer significant discounts for membership of various alumni, fraternity and student associations; for example, the Golden Key National Honor Society.
Keep your driving track record clean. Easier said than done, no doubt, but it really pays in the long run. If you have a couple of accidents to your credit, chances are that you may have to empty your pockets a little more to have your car insured. This is the auto insurers’ way of hedging the risk from your bad driving and safeguarding themselves from a possible claim in the near future.
Find a good online discount car insurance broker before renewing. The Internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don’t just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.
Get several quotes. For cheap insurance, compare quotes from several companies, and ask about different policy options. One more thing: take notes.
I know that as informative as this article is, it might not adequately cover your car insurance for woman quest. If this is so, don’t forget that the search engines like Dogpile.com exist for looking up more information about car insurance for woman.
Many folks seeking online for articles related to best car insurance also sought for articles about auto insurance quote, auto insurance, and even auto insurance rates.
LAST THOUGHTS — Lots of people who read this article agreed that it not only helped in their quest for best car insurance information but also commercial auto insurance, car insurance, dental insurance quotes, free auto insurance, low auto insurance and other boat insurance related information.
Deepak Kulkarni is a prolific writer who has taken the time to write very helpful and insightful articles on various subjects such as antique car insurance and other information in some way related to auto insurance Canada, auto liability insurance, AIS insurance, low cost auto insurance quote, cheapest car insurers and even auto insurance company.
ABOUT THIS WEBSITE — This website contains specific and general information related to car insurance for woman. It also contains information somewhat related to auto accident insurance claims, motor insurance, safe auto, cheap motor insurance quote, buy auto insurance online and motor insurance quote.
So here is chance to get your free tips on cheap car insurance and in addition to that get basic information on saving money visit http://information-get.com/carinsurancequotes
source-http://memory-101.com/
As you devour this article, remember that the rest of it contains valuable information related to best car insurance and in some way related to life insurance quote, auto insurance company, low cost auto insurance quote, cheap motorcycle insurance quote, low cost life insurance or auto insurance coverage for your reading pleasure.
Best car insurance Exposed
If you own an older car look into dropping such things as collision and comprehensive insurance. It may not be cost effective if the value of your car is low.
A lower end or more common sports cars can often be insured for less, and are cheaper to buy so you win twice there. Once you have your car however, take the necessary security precautions to keep it safe. An annoying car alarm is an excellent investment, as well as immobilizers and a steering lock. Parking in a secure garage is also another way to assuage your insurer’s fears and persuade them to lower the premiums. It’s not only for their benefit either. If your car is stolen then you will face an increase in premiums, so it’s in your best interests to keep it safe.
If you are buying a car for your teen as soon as, they turn 16, choose the type of car carefully. Your teen is more likely to drive safely in a sensible car fitted with safety features, rather than a fast sports car. Fast driving will be less of a temptation and the insurance premiums will be lower too. Try to avoid letting your teen drive a truck or SUV, which are more likely to be involved in rollover accidents.
KEEP READING — That’s right. Keep reading and you will find other best car insurance related information that will not only excite you but also educate you about best car insurance in general and even other auto insurance quote in Canada, auto insurance co, Iowa auto insurance quote, direct auto insurance, auto insurers and auto insurance estimate information.
Interesting Information About antique car insurance
If you have membership in any school or professional organizations, let your insurance company know. Some insurance companies offer significant discounts for membership of various alumni, fraternity and student associations; for example, the Golden Key National Honor Society.
Keep your driving track record clean. Easier said than done, no doubt, but it really pays in the long run. If you have a couple of accidents to your credit, chances are that you may have to empty your pockets a little more to have your car insured. This is the auto insurers’ way of hedging the risk from your bad driving and safeguarding themselves from a possible claim in the near future.
Find a good online discount car insurance broker before renewing. The Internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don’t just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.
Get several quotes. For cheap insurance, compare quotes from several companies, and ask about different policy options. One more thing: take notes.
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Auto Insurance Quote Interrelated Guideline
Auto Insurance Quote Interrelated Guideline
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Then there is this marvelous tip that works like magic. Ever thought of buying both your homeowners and auto coverage from the same insurer? Most insurers will give you a good discount when you purchase more than one type of insurance. The same principal works when you get more than one car insured by the same people.
Buying auto insurance can be very expensive these days, but it is possible to reduce the overall costs a little and still make sure that you have all of the necessary insurance coverage for your car or automobile just in case you ever need it. Of course, one of the main things to consider when it comes to finding cheaper auto insurance is the type of car that you drive. After all, if you are driving a large powerful sports car that goes extremely fast and normally tends to encourage people to drive in an accelerated manner then chances are good that you will be required to pay a much higher car insurance premium based on the tendency for sports car owners to more than likely make insurance claims. So, naturally, if you own a smaller and less powerful car than it will most likely be cheaper for you to insure that vehicle which is based on the history of those types of car owners.
If you have more than one car, prefer taking its insurance from the same insurer or if the insurance agency that has insured your house also offers auto insurance, go with it only. This will not just be playing safely, but you may also get some deduction on the policies.
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Shop and compare each type of low cost auto insurance carrier to ensure you are getting the low cost auto insurance you deserve. Remember, you can always call your state's insurance department, who maintains information on major low cost insurance companies. Utilizing all of the resources available to you will assist you attain low cost auto insurance.
Sometimes the difference between getting auto insurance and going uninsured is where you keep your vehicle at night. Most thefts do not involve a garaged car and this is reflected in premium discounts. If you have a winter home with no garage, try putting the vehicle in storage. Let your insurance company know that your car is in storage, and you could receive a partial premium reduction.
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Make sure you learn how to operate a New Car. Things like Anti-lock brakes, for example operate differently in slippery situations. If you have never driven a car with anti-lock brakes then you should surely get training on proper use.
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About the Author:
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Then there is this marvelous tip that works like magic. Ever thought of buying both your homeowners and auto coverage from the same insurer? Most insurers will give you a good discount when you purchase more than one type of insurance. The same principal works when you get more than one car insured by the same people.
Buying auto insurance can be very expensive these days, but it is possible to reduce the overall costs a little and still make sure that you have all of the necessary insurance coverage for your car or automobile just in case you ever need it. Of course, one of the main things to consider when it comes to finding cheaper auto insurance is the type of car that you drive. After all, if you are driving a large powerful sports car that goes extremely fast and normally tends to encourage people to drive in an accelerated manner then chances are good that you will be required to pay a much higher car insurance premium based on the tendency for sports car owners to more than likely make insurance claims. So, naturally, if you own a smaller and less powerful car than it will most likely be cheaper for you to insure that vehicle which is based on the history of those types of car owners.
If you have more than one car, prefer taking its insurance from the same insurer or if the insurance agency that has insured your house also offers auto insurance, go with it only. This will not just be playing safely, but you may also get some deduction on the policies.
RECESS — As is obvious from the half of this article, even if your direct quest is Cheap Auto Insurance, reading to the end will prove helpful, as this article has also helped those looking for information about Insurance Agent List, Nevada Car Insurance Quotes, Affordable Motorcycle Insurance, Auto Owners Agents, Auto Club Southern California Insurance or even A Quote For Car Insurance.
Shop and compare each type of low cost auto insurance carrier to ensure you are getting the low cost auto insurance you deserve. Remember, you can always call your state's insurance department, who maintains information on major low cost insurance companies. Utilizing all of the resources available to you will assist you attain low cost auto insurance.
Sometimes the difference between getting auto insurance and going uninsured is where you keep your vehicle at night. Most thefts do not involve a garaged car and this is reflected in premium discounts. If you have a winter home with no garage, try putting the vehicle in storage. Let your insurance company know that your car is in storage, and you could receive a partial premium reduction.
I know that as informative as this article is, it might not adequately cover your Cheap Auto Insurance quest. If this is so, don't forget that the search engines like Dogpile.com exist for looking up more information about Cheap Auto Insurance.
Make sure you learn how to operate a New Car. Things like Anti-lock brakes, for example operate differently in slippery situations. If you have never driven a car with anti-lock brakes then you should surely get training on proper use.
It was intriguing to find that many people, oblivious of their background, found this article related to Safe Auto Insurance and other Discounted Car Insurance, Automobile Insurance Specialist, and even Affordable Auto Insurance Massachusetts helpful.
About the Author:
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Online Car Insurance Quotes Interrelated Info
Online Car Insurance Quotes Interrelated Info
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This Should be Interest YOU About Online Car Insurance Quotes
Aside from the necessary personal information like the name, address and contact numbers? Which, by the way, are not compulsory? You will need to provide information that will greatly influence the relative price and coverage of an insurance policy.
Based on the cheap auto insurance quote, you can decide whether you want to pay an annual or semi-annual premium up front, a down payment on the premium and the reminder in several equal monthly installments, or you want to pay an equal monthly amount spread out over a period of 10 to 12 months.
If you have a life insurance policy or health insurance policy or any other insurance, it is recommended to ask the same insurance company for auto insurance. They will surely provide lower car insurance quote online, as you are their client.
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However, in the long run the effort that it takes to find the right automobile insurance provider could be well worth it because it literally could save you a great deal of money on your car and auto insurance premiums or rates.
A few examples of reputable companies may include AIG, GEICO and MetLife. The important thing is to find a balance between quality, service and price, and there is no better way than through online auto insurance quotes. They are free, so there isn't anything to lose but very little time, but it'll be worth it with the savings you will acquire.
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MODIFIED CAR INSURANCE QUOTES FREE RELATED FACT
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As with anything else that you want to buy, it's a good idea to compare car insurance rates before you sign up with any one company.
This is because there can be a large difference in insurance rates from company to company, and you can save yourself literally thousands of dollars by comparing - or waste that money if you don't do any comparison shopping.
But of course, who wants to sit around in front of the computer or get on the phone and dial up company after company?
Fortunately there are many online sites that allow you to compare car insurance rates from many different companies right there on their site.
Here is a partial list of these auto insurance web sites:
www.geico.com
www.insurance.com
www.netquote.com
www.uswitch.com
www.insurance-compare-save.com
www.progressive.com
As this option of being able to compare car insurance quotes from competitors becomes more popular, you will be able to get comparison quotes from more and more companies as time goes on.
Of course, you do need to be careful and make sure that a company is not purposely inflating their competitor's prices just to get your business.
Be wary of any company that offers to compare car insurance quotes but that always seems to have the lowest rate or one that is whose quote is quite a bit lower than all their competitors.
Remember the words, "Look before you Leap"!
Don't go off half crazy and sign for the first cheap auto insurance quote you get.
Read everything on that auto insurance policy, yes, even the fine print!
You also want to be sure that you're only getting the car insurance coverage that you need for your particular vehicle.
Make sure you can raise your deductible in order to lower your premiums if you're a good driver, or that you're not getting full coverage for very old vehicles that are paid for.
When you compare car insurance quotes, you need to make sure the information you're getting back from those companies is the most accurate!
If your not sure which is the best auto quote for you to go with you may just want to follow the traditional auto insurance route and call an insurance broker.
You can ask him all the questions you need answered before you sign up for your new car insurance policy.
source-http://news.carjunky.com/
This is because there can be a large difference in insurance rates from company to company, and you can save yourself literally thousands of dollars by comparing - or waste that money if you don't do any comparison shopping.
But of course, who wants to sit around in front of the computer or get on the phone and dial up company after company?
Fortunately there are many online sites that allow you to compare car insurance rates from many different companies right there on their site.
Here is a partial list of these auto insurance web sites:
www.geico.com
www.insurance.com
www.netquote.com
www.uswitch.com
www.insurance-compare-save.com
www.progressive.com
As this option of being able to compare car insurance quotes from competitors becomes more popular, you will be able to get comparison quotes from more and more companies as time goes on.
Of course, you do need to be careful and make sure that a company is not purposely inflating their competitor's prices just to get your business.
Be wary of any company that offers to compare car insurance quotes but that always seems to have the lowest rate or one that is whose quote is quite a bit lower than all their competitors.
Remember the words, "Look before you Leap"!
Don't go off half crazy and sign for the first cheap auto insurance quote you get.
Read everything on that auto insurance policy, yes, even the fine print!
You also want to be sure that you're only getting the car insurance coverage that you need for your particular vehicle.
Make sure you can raise your deductible in order to lower your premiums if you're a good driver, or that you're not getting full coverage for very old vehicles that are paid for.
When you compare car insurance quotes, you need to make sure the information you're getting back from those companies is the most accurate!
If your not sure which is the best auto quote for you to go with you may just want to follow the traditional auto insurance route and call an insurance broker.
You can ask him all the questions you need answered before you sign up for your new car insurance policy.
source-http://news.carjunky.com/
Get Your Free How to Buy Insurance Tips Guide
Get Your Free How to Buy Insurance Tips Guide
When you are looking to purchase an affordable insurance plan for your heath, life, auto, truck, van or home, we can make the process easy for you. Our experience in the insurance industry helps us to easily explain the complex details of various plans to make your decision a safe and affordable one. Please right click and save the guide file to your hard drive to download your "Free How to Buy Insurance Tips Guide." We hope you find the guide interesting and welcome your comments and look for ward to helping you find the right insurance quote for your needs. Need help with your online insurance quotes? We care about our health insurance customers. We will get the best, lowest cost quotes for you. We are fast, easy and the quote is NO COST! Business Health Insurance Only Uses Licensed Experts to assist you in your search for health insurance online. You have available for you, your own, REAL Live Licensed Expert, not a computer generated quote.
We are happy to take your call and go over your policy options in detail and in a manner that is clear to you. We take the time to listen to your needs and create a plan that is affordable and keeps you safe. Don't settle for an just insurance estimate, learn your options and take care of yourself and your loved ones.
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When you are looking to purchase an affordable insurance plan for your heath, life, auto, truck, van or home, we can make the process easy for you. Our experience in the insurance industry helps us to easily explain the complex details of various plans to make your decision a safe and affordable one. Please right click and save the guide file to your hard drive to download your "Free How to Buy Insurance Tips Guide." We hope you find the guide interesting and welcome your comments and look for ward to helping you find the right insurance quote for your needs. Need help with your online insurance quotes? We care about our health insurance customers. We will get the best, lowest cost quotes for you. We are fast, easy and the quote is NO COST! Business Health Insurance Only Uses Licensed Experts to assist you in your search for health insurance online. You have available for you, your own, REAL Live Licensed Expert, not a computer generated quote.
We are happy to take your call and go over your policy options in detail and in a manner that is clear to you. We take the time to listen to your needs and create a plan that is affordable and keeps you safe. Don't settle for an just insurance estimate, learn your options and take care of yourself and your loved ones.
Get a Real Quote on a plan that is tailored especially for you no matter where you live, no matter what your needs. We can help take the guess work out of selecting an insurance plan that is right for you. Your One Stop Place For Research - Compare Different Low Cost Insurance Plans
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Want to learn more? Please select the type of Insurance you are interested in from the drop down below to learn more about the type of coverage you are interested in. Whether you are looking for health, auto, life, homeowners, renters or dental insurance, Business Health Insurance can provide you with the information you need to make an informed decision.
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Lower the insurance company’s risk. Using seatbelts, not smoking, and having alarm systems can mean cheap insurance. Ask your agent about any discounts that are available.
Combining your insurance over another car can help too, as well as combining it with a house and contents insurance. The more business you send their way; the more likely they are to offer discounts.
There are some other steps you can take to lower insurance premiums for your teenage driver. Try to include them on your own car insurance policy rather than take out a separate policy for them; this way any discount or saving applicable to you will also cover them. Driver education classes for your teen are a good idea as well - most insurance companies offer a discount for completing recognized driving courses.
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Obtaining a lower rate for your car insurance starts when you still in school - you can often get a discount just by providing your most recent school report card. Most insurance companies consider students who have a grade ‘B’ average, to be lower risk drivers. If your school or college offer a driver’s education course, take the class and let your insurance company know.
Increase your deductible amount. This is the amount that you agree to pay in the eventuality of a claim before the insurance company pays up. What this implies is that you are taking a risk of paying more if the need arises. Even so, if you are a cautious driver and are confident that you are likely to be so in the future too, it will knock off a sizable chunk from your yearly pay outs.
Add your teen driver to your own car insurance policy. There is no reason to purchase a completely separate car insurance policy for your teen driver when you can add him or her to your own car insurance policy. This alone will save you money, and you may even be able to get a multi-policy discount, too. Ask your own car insurance agent.
Review your policies. It is common for parents to still pay for health insurance coverage on adult children long after they are working and have their own coverage. See what other unnecessary overheads you may be paying for.
Don’t forget that you are only a step away from getting more information about state farm car insurance or such related information by searching the search engines online. Google.com alone can give you more than enough results when you search for state farm car insurance.
A lot of well-meaning people searching for compare car insurance also searched online for low cost auto insurance compare life insurance, and even auto insurance specialists.
source-http://techcrazies.com/
Lower the insurance company’s risk. Using seatbelts, not smoking, and having alarm systems can mean cheap insurance. Ask your agent about any discounts that are available.
Combining your insurance over another car can help too, as well as combining it with a house and contents insurance. The more business you send their way; the more likely they are to offer discounts.
There are some other steps you can take to lower insurance premiums for your teenage driver. Try to include them on your own car insurance policy rather than take out a separate policy for them; this way any discount or saving applicable to you will also cover them. Driver education classes for your teen are a good idea as well - most insurance companies offer a discount for completing recognized driving courses.
MEANWHILE — I hope you have been able to get a full grasp of the main points related to state farm car insurance or other related sr22 insurance, collision coverage insurance, Canadian auto insurance rates, Florida auto insurance, free auto insurance and health insurance in the first half of this article. Whether you answer Yes or No, keep reading as there is a lot more to uncover in this article that will excite you.
Obtaining a lower rate for your car insurance starts when you still in school - you can often get a discount just by providing your most recent school report card. Most insurance companies consider students who have a grade ‘B’ average, to be lower risk drivers. If your school or college offer a driver’s education course, take the class and let your insurance company know.
Increase your deductible amount. This is the amount that you agree to pay in the eventuality of a claim before the insurance company pays up. What this implies is that you are taking a risk of paying more if the need arises. Even so, if you are a cautious driver and are confident that you are likely to be so in the future too, it will knock off a sizable chunk from your yearly pay outs.
Add your teen driver to your own car insurance policy. There is no reason to purchase a completely separate car insurance policy for your teen driver when you can add him or her to your own car insurance policy. This alone will save you money, and you may even be able to get a multi-policy discount, too. Ask your own car insurance agent.
Review your policies. It is common for parents to still pay for health insurance coverage on adult children long after they are working and have their own coverage. See what other unnecessary overheads you may be paying for.
Don’t forget that you are only a step away from getting more information about state farm car insurance or such related information by searching the search engines online. Google.com alone can give you more than enough results when you search for state farm car insurance.
A lot of well-meaning people searching for compare car insurance also searched online for low cost auto insurance compare life insurance, and even auto insurance specialists.
source-http://techcrazies.com/
What to Do if You Don't Have Health Insurance
What to Do if You Don't Have Health Insurance - You Might Not Beat the Odds
When I got laid off from a great job due to a large corporate company downsizing, at the age of 50, I lost my group health insurance. I went on the Internet and found the online insurance quote websites a real help. The easy to fill in forms "just fill in your zip code" got me started with my online quote. Don't wait until the unthinkable happens and you have a financial disaster with "no insurance", you just might NOT BEST the ODDS!
Have you been working hard and paying your bills on time your whole life? Saving your money and trying to get ahead, looking forward to retiring some day? You read in the paper and hear on the news about so many people that are uninsured. Uninsured, and don't have health insurance because they can't afford it. Are you one of the uninsured people like I am? Are you worried about having a health care emergency and not knowing how you would pay your medical bills? You know you really can't switch jobs. You feel you're getting too old or under skilled to be hired by anyone else. You might even be self-employed too. You know you can't or don't want to learn a new skill to get a new job at a bigger company that has group health insurance. Your present employer really can't afford health insurance for his employees and you don't see that changing where you work.
You have gotten by this long without health insurance and you know that you should do something about it. But health insurance is expensive and getting health insurance is a good idea and something you have always been planning to do. But, we just keep putting it off, until it is too late. So what is a man with a family, or a single person do if you barely can find the money to pay for the necessities, like the rent, or a mortgage, the higher price of gas and food, much less expensive health insurance?
Do you think you can beat the odds? For men it is one in three, for women one in five that you will have a major health care emergency hospitalization and incur medical bills for surgery, hospital stay, outpatient medical care, therapy and prescription drugs. Do you worry and lay awake at night, wondering how you would pay for emergency care, if you needed it?
Ever wonder what you will do if the worst happens and you had to go to the hospital without health insurance? In a word. Bankruptcy. The retirement you worked your whole life for and dreamed about... the retirement you always envisioned is gone...taken away from you in an instant. And by a calamity you have tried to avoid. A calamity that broad sided you, and you had no warning and you never knew what hit you.
Imagine this scenario. You are 55, been in great shape your whole life, you work hard and live right, don't smoke, eat healthy foods, watch your weight and have been taking care of yourself the best way you know how. But lately you have been getting a little short of breath. You shake your head and say "it's just getting old" and keep right on working on the house, the car, the lawn, the crops or a new project you just have to get done. While working, all of a sudden you feel really short of breath. You stop, sit down and can't breathe. You look down and your arm is feeling funny and tingly. All of a sudden you feel a shooting pain running up your arm into your shoulder, "ah...just overdoing it again" you say to yourself. I'll just rest a spell and it will go away. But this time the pain does not go away like other times. You feel the numbness and worse, a stabbing pain goes into your shoulder. Quickly the pain intensifies and travels deeper and is shooting across your chest, a crushing pain and now you are really scared. "Wonder if this is a heart attack?" You know you waited too long and it's too late...This time it's for real. You are in the middle of a heart attack.
You are desperate and in stabbing pain. You know calling 911 might save you...if you can get to a phone. You call for your wife and she is inside the house and does not hear you. You try to get up and feel faint and you have no strength and your legs just can't move. You holler louder, it hurts so bad and she hears you this time. She rushes to your side and you are so short of breath you can't talk, the pain is too great. You point to your chest and she can see by the look on your face you are suffering and in great pain and something is terribly wrong. She runs to call 911, frantic about you and tells the ambulance to come right away and she thinks you are having a heart attack. She runs back to your side and you both are terribly scared and all you can do is wait.
The bad news has just begun...When the ambulance arrives, you find out the very worst has happened. You really are having a heart attack...they rush you away to the hospital, taking your vitals and giving you the drugs to save your life. Expensive surgery follows with angioplasty to open up your blocked arteries in your heart, and you get a stint to keep the worst blocked artery open. The doctors say that you should make a good recovery with adequate care, rest and therapy. You will have to take heart medications and high blood pressure drugs the rest of your life. Already the worry has started, and you think to yourself. "how am I going to pay for this"? The deep financial worry never leaves you. You have heard stories of financial disasters happening to good people with no insurance, Tragic consequences happening to people getting hit with huge medical bills for surgeries in the tens of thousands of dollars. You lost...you did not beat the odds.
Now what can you do? Your retirement dream is gone, now you will have to work the rest of your life to pay your medical bills off. The story, I shared is real, this medical tragedy happened to my brother, a farmer, a hard worker, a self-employed bulldozer operator in the prime of his life. No health insurance and he now faces a $45,000 medical bill he can't pay. Not unless he wants to sell the beautiful log cabin home he built with his own hands and the farm he worked his whole life for. He is worried sick and tied to heart drugs for the rest of his life. Heart drugs and a stint that make him feel even more sick. He has decided to sell part of his land to pay the hospital and clinic bills. He hates to do this, but has no choice.
He tried to pay the hospital and clinic with agreed upon payments of a $1,000 a month each, paying every penny he could, but that was not fast enough or good enough. The hospital and the clinic still turned his account over to the collection agencies even though he was paying over $2,000.00 a month. He is an honest man who worked hard his whole life and did not deserve this. He can barely afford the heart drugs and makes just enough money so he does not qualify for state-assisted health care or prescription drug benefits.
One more thing is important...That is not the only calamity. He is not eligible for any type of health insurance for his heart, even if he could afford to pay $850.00 a month for health insurance coverage, plus his monthly medical bill payment to the collection agency. Why? Because now, he is uninsurable. In order to be covered under health insurance for his heart, he would have to not have any hospital care or treatment related to his pre-existing condition for seven years to quality for having that heart condition covered under any health insurance policy. For my brother, he will have to work harder than ever to pay this debt off, just when he should be taking it easier and not working so hard to prevent yet another heart attack. There will be no retirement for him, he is 59 and that is a terribly hard price to pay.
What does this mean for you? Don't wait, don't let a major health problem ruin your chances of retirement. Health care coverage can be purchased and can be budgeted for. If my brother knew what was going to happen, he would have budgeted the money for a health insurance policy. He could have spared a couple thousand a year for an inexpensive health care policy with a high deductible. This would have cut the medical bills he received by a significant amount, and he still would have health insurance to cover him in the future. When you're lying in bed at night, think of the people you know that have had their lives turned up side down by a health calamity, lost their jobs, their homes, all their savings and their cherished retirement. This is too big a price to pay. Take care of yourself, and your family. Protect your retirement dream. Getting an online insurance quote, is easy, and safe and can help you take a step in the right direction. Help remove most of the worry, about "what if a medical emergency occurred to you or a loved one". Would you be covered? Let's hope the answer is "Yes."
When I got laid off from a great job due to a large corporate company downsizing, at the age of 50, I lost my group health insurance. I went on the Internet and found the online insurance quote websites a real help. The easy to fill in forms "just fill in your zip code" got me started with my online quote. The websites were easy to use, and I enjoyed getting free insurance quotes. The websites connected me with top insurance agents who helped me figure out how to compare the quotes. The agents were friendly, easy to talk to, and I got a policy to protect me at a cost I could afford. Please click on the link above and get some health insurance that will protect you and your loved ones. Just knowing something really can happen and taking the right steps to protect yourself can help remove some of the worry. Don't try to beat the odds, you may not win. Don't let a small financial burden become an impossible one. Do it for yourself, do it now before it is too late.
Find out more about the online health insurance quote I used by visiting: http://www.businesshealthinsurance.com
Jennie Heckel
Article Source: http://EzineArticles.com/?expert=Jennie_Heckel
When I got laid off from a great job due to a large corporate company downsizing, at the age of 50, I lost my group health insurance. I went on the Internet and found the online insurance quote websites a real help. The easy to fill in forms "just fill in your zip code" got me started with my online quote. Don't wait until the unthinkable happens and you have a financial disaster with "no insurance", you just might NOT BEST the ODDS!
Have you been working hard and paying your bills on time your whole life? Saving your money and trying to get ahead, looking forward to retiring some day? You read in the paper and hear on the news about so many people that are uninsured. Uninsured, and don't have health insurance because they can't afford it. Are you one of the uninsured people like I am? Are you worried about having a health care emergency and not knowing how you would pay your medical bills? You know you really can't switch jobs. You feel you're getting too old or under skilled to be hired by anyone else. You might even be self-employed too. You know you can't or don't want to learn a new skill to get a new job at a bigger company that has group health insurance. Your present employer really can't afford health insurance for his employees and you don't see that changing where you work.
You have gotten by this long without health insurance and you know that you should do something about it. But health insurance is expensive and getting health insurance is a good idea and something you have always been planning to do. But, we just keep putting it off, until it is too late. So what is a man with a family, or a single person do if you barely can find the money to pay for the necessities, like the rent, or a mortgage, the higher price of gas and food, much less expensive health insurance?
Do you think you can beat the odds? For men it is one in three, for women one in five that you will have a major health care emergency hospitalization and incur medical bills for surgery, hospital stay, outpatient medical care, therapy and prescription drugs. Do you worry and lay awake at night, wondering how you would pay for emergency care, if you needed it?
Ever wonder what you will do if the worst happens and you had to go to the hospital without health insurance? In a word. Bankruptcy. The retirement you worked your whole life for and dreamed about... the retirement you always envisioned is gone...taken away from you in an instant. And by a calamity you have tried to avoid. A calamity that broad sided you, and you had no warning and you never knew what hit you.
Imagine this scenario. You are 55, been in great shape your whole life, you work hard and live right, don't smoke, eat healthy foods, watch your weight and have been taking care of yourself the best way you know how. But lately you have been getting a little short of breath. You shake your head and say "it's just getting old" and keep right on working on the house, the car, the lawn, the crops or a new project you just have to get done. While working, all of a sudden you feel really short of breath. You stop, sit down and can't breathe. You look down and your arm is feeling funny and tingly. All of a sudden you feel a shooting pain running up your arm into your shoulder, "ah...just overdoing it again" you say to yourself. I'll just rest a spell and it will go away. But this time the pain does not go away like other times. You feel the numbness and worse, a stabbing pain goes into your shoulder. Quickly the pain intensifies and travels deeper and is shooting across your chest, a crushing pain and now you are really scared. "Wonder if this is a heart attack?" You know you waited too long and it's too late...This time it's for real. You are in the middle of a heart attack.
You are desperate and in stabbing pain. You know calling 911 might save you...if you can get to a phone. You call for your wife and she is inside the house and does not hear you. You try to get up and feel faint and you have no strength and your legs just can't move. You holler louder, it hurts so bad and she hears you this time. She rushes to your side and you are so short of breath you can't talk, the pain is too great. You point to your chest and she can see by the look on your face you are suffering and in great pain and something is terribly wrong. She runs to call 911, frantic about you and tells the ambulance to come right away and she thinks you are having a heart attack. She runs back to your side and you both are terribly scared and all you can do is wait.
The bad news has just begun...When the ambulance arrives, you find out the very worst has happened. You really are having a heart attack...they rush you away to the hospital, taking your vitals and giving you the drugs to save your life. Expensive surgery follows with angioplasty to open up your blocked arteries in your heart, and you get a stint to keep the worst blocked artery open. The doctors say that you should make a good recovery with adequate care, rest and therapy. You will have to take heart medications and high blood pressure drugs the rest of your life. Already the worry has started, and you think to yourself. "how am I going to pay for this"? The deep financial worry never leaves you. You have heard stories of financial disasters happening to good people with no insurance, Tragic consequences happening to people getting hit with huge medical bills for surgeries in the tens of thousands of dollars. You lost...you did not beat the odds.
Now what can you do? Your retirement dream is gone, now you will have to work the rest of your life to pay your medical bills off. The story, I shared is real, this medical tragedy happened to my brother, a farmer, a hard worker, a self-employed bulldozer operator in the prime of his life. No health insurance and he now faces a $45,000 medical bill he can't pay. Not unless he wants to sell the beautiful log cabin home he built with his own hands and the farm he worked his whole life for. He is worried sick and tied to heart drugs for the rest of his life. Heart drugs and a stint that make him feel even more sick. He has decided to sell part of his land to pay the hospital and clinic bills. He hates to do this, but has no choice.
He tried to pay the hospital and clinic with agreed upon payments of a $1,000 a month each, paying every penny he could, but that was not fast enough or good enough. The hospital and the clinic still turned his account over to the collection agencies even though he was paying over $2,000.00 a month. He is an honest man who worked hard his whole life and did not deserve this. He can barely afford the heart drugs and makes just enough money so he does not qualify for state-assisted health care or prescription drug benefits.
One more thing is important...That is not the only calamity. He is not eligible for any type of health insurance for his heart, even if he could afford to pay $850.00 a month for health insurance coverage, plus his monthly medical bill payment to the collection agency. Why? Because now, he is uninsurable. In order to be covered under health insurance for his heart, he would have to not have any hospital care or treatment related to his pre-existing condition for seven years to quality for having that heart condition covered under any health insurance policy. For my brother, he will have to work harder than ever to pay this debt off, just when he should be taking it easier and not working so hard to prevent yet another heart attack. There will be no retirement for him, he is 59 and that is a terribly hard price to pay.
What does this mean for you? Don't wait, don't let a major health problem ruin your chances of retirement. Health care coverage can be purchased and can be budgeted for. If my brother knew what was going to happen, he would have budgeted the money for a health insurance policy. He could have spared a couple thousand a year for an inexpensive health care policy with a high deductible. This would have cut the medical bills he received by a significant amount, and he still would have health insurance to cover him in the future. When you're lying in bed at night, think of the people you know that have had their lives turned up side down by a health calamity, lost their jobs, their homes, all their savings and their cherished retirement. This is too big a price to pay. Take care of yourself, and your family. Protect your retirement dream. Getting an online insurance quote, is easy, and safe and can help you take a step in the right direction. Help remove most of the worry, about "what if a medical emergency occurred to you or a loved one". Would you be covered? Let's hope the answer is "Yes."
When I got laid off from a great job due to a large corporate company downsizing, at the age of 50, I lost my group health insurance. I went on the Internet and found the online insurance quote websites a real help. The easy to fill in forms "just fill in your zip code" got me started with my online quote. The websites were easy to use, and I enjoyed getting free insurance quotes. The websites connected me with top insurance agents who helped me figure out how to compare the quotes. The agents were friendly, easy to talk to, and I got a policy to protect me at a cost I could afford. Please click on the link above and get some health insurance that will protect you and your loved ones. Just knowing something really can happen and taking the right steps to protect yourself can help remove some of the worry. Don't try to beat the odds, you may not win. Don't let a small financial burden become an impossible one. Do it for yourself, do it now before it is too late.
Find out more about the online health insurance quote I used by visiting: http://www.businesshealthinsurance.com
Jennie Heckel
Article Source: http://EzineArticles.com/?expert=Jennie_Heckel
Lowering Your Auto Insurance Costs
It is very important to understand that prices vary from company to company, so it pays to shop around. Getting at least three price quotes will serve you well. You can either call companies directly or access information over the web. State insurance departments are also a good source of prices and options available.
The main reasons for buying insurance are to protect you and your family financially and provide peace of mind. Finding a company that is financially stable is very important. You can check the financial well being of insurance companies using rating companies such as A.M. Best and Standard & Poor’s. You might also try some of the more popular consumer magazines.
You should also get quotes from different types of insurance companies. Some sell through their own in house agents and others through independent agents who offer policies from several insurance companies. There are also insurance companies that sell directly to consumers over the phone or via the Internet.
Be careful that you don't shop price alone. Asking friends and relatives for their recommendations is a smart thing to do. Contact your state insurance department and find out whether they provide information on consumer complaints by company. Make sure and choose an agent or company representative that takes the time to answer your questions and address your concerns.
Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft so make sure to check into insurance costs before you buy a new or used car. Ask about discounts for features that reduce the risk of injuries or theft. Things such as daytime running lights and anti-theft devices for example. The Insurance Institute for Highway Safety can provide you with information that will help you decide what car to buy.
You might be able to lower your costs substantially by requesting higher deductibles. Increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by up to to 30 percent. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.
Dropping collision and/or comprehensive coverages on older cars that are worth less than 10 times the premium is definitely something to consider. You can research the value online at Kelley’s Blue Book.
Many insurers will give you a discount if you buy two or more types of insurance from them or if you have more than one vehicle insured with the same company.
Establishing and maintaining a solid credit rating can help cut your insurance costs. Insurers are increasingly using credit information to price auto insurance policies. Check your credit record regularly and correct any errors promptly so that your record remains accurate.
Some companies offer low mileage discounts to motorists who drive a lower than average number of miles a year.
There are also companies that offer reduced rates to drivers who get insurance through a group plan from their employers. You may also qualify if you belong to a professional, business, alumni or other groups and associations.
If you have not had any accidents or moving violations for a number of years you may also qualify for a discount. Taking a defensive driving or drivers education course may also qualify you for a lower rate.
source-http://www.skynewswire.com/
The main reasons for buying insurance are to protect you and your family financially and provide peace of mind. Finding a company that is financially stable is very important. You can check the financial well being of insurance companies using rating companies such as A.M. Best and Standard & Poor’s. You might also try some of the more popular consumer magazines.
You should also get quotes from different types of insurance companies. Some sell through their own in house agents and others through independent agents who offer policies from several insurance companies. There are also insurance companies that sell directly to consumers over the phone or via the Internet.
Be careful that you don't shop price alone. Asking friends and relatives for their recommendations is a smart thing to do. Contact your state insurance department and find out whether they provide information on consumer complaints by company. Make sure and choose an agent or company representative that takes the time to answer your questions and address your concerns.
Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft so make sure to check into insurance costs before you buy a new or used car. Ask about discounts for features that reduce the risk of injuries or theft. Things such as daytime running lights and anti-theft devices for example. The Insurance Institute for Highway Safety can provide you with information that will help you decide what car to buy.
You might be able to lower your costs substantially by requesting higher deductibles. Increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by up to to 30 percent. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.
Dropping collision and/or comprehensive coverages on older cars that are worth less than 10 times the premium is definitely something to consider. You can research the value online at Kelley’s Blue Book.
Many insurers will give you a discount if you buy two or more types of insurance from them or if you have more than one vehicle insured with the same company.
Establishing and maintaining a solid credit rating can help cut your insurance costs. Insurers are increasingly using credit information to price auto insurance policies. Check your credit record regularly and correct any errors promptly so that your record remains accurate.
Some companies offer low mileage discounts to motorists who drive a lower than average number of miles a year.
There are also companies that offer reduced rates to drivers who get insurance through a group plan from their employers. You may also qualify if you belong to a professional, business, alumni or other groups and associations.
If you have not had any accidents or moving violations for a number of years you may also qualify for a discount. Taking a defensive driving or drivers education course may also qualify you for a lower rate.
source-http://www.skynewswire.com/
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