tag:blogger.com,1999:blog-15475900317937797652024-03-19T18:47:24.670+07:00Automobile InsuranceBlog about automobile insuranceDaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.comBlogger37125tag:blogger.com,1999:blog-1547590031793779765.post-24665333193178285052023-02-25T18:01:00.001+07:002023-02-25T18:01:57.374+07:00Why Pay-As-You-Drive Insurance Could Be the Future of Car Insurance<p> Pay-as-you-drive (PAYD) insurance is a type of auto insurance where drivers pay premiums based on how much they drive. In contrast to traditional insurance policies, which charge a flat rate regardless of how much you drive, PAYD policies are based on the number of miles driven or the amount of time spent on the road. PAYD insurance is becoming more popular as drivers look for ways to save money and reduce their environmental impact. Here are some reasons why PAYD insurance could be the future of car insurance.</p><p>1. Cost Savings</p><p>PAYD insurance offers cost savings for drivers who don't drive frequently or for those who use alternative forms of transportation such as public transit or biking. PAYD policies are typically less expensive than traditional policies, as they charge a lower premium based on the amount of time or miles driven. For drivers who only use their car for short trips or occasional weekend outings, PAYD insurance can be a cost-effective option.</p><p>2. Environmental Benefits</p><p>By encouraging drivers to reduce their time on the road, PAYD insurance policies can also have environmental benefits. Fewer cars on the road mean reduced carbon emissions and a smaller carbon footprint for drivers. By incentivizing drivers to use alternative forms of transportation or to reduce their driving altogether, PAYD insurance can contribute to a more sustainable transportation system.</p><p>3. Fairness</p><p>PAYD insurance is also fairer than traditional insurance policies, as it takes into account the amount of time or miles driven. Traditional policies charge a flat rate, regardless of how much you drive. This means that drivers who use their cars less frequently are subsidizing those who drive more. With PAYD insurance, drivers who use their cars less frequently pay less in premiums, while those who drive more pay more.</p><p>4. Technology Advancements</p><p>Advances in technology, such as telematics, have made PAYD insurance more feasible and attractive to both insurance companies and consumers. Telematics devices, such as GPS and accelerometers, can track a driver's mileage, speed, and driving habits, allowing insurance companies to provide more accurate pricing and discounts. Many insurance companies now offer telematics-based PAYD policies, which allow drivers to pay based on their actual driving behavior, rather than estimates.</p><p>5. Customization</p><p>PAYD insurance policies also offer greater customization and flexibility than traditional policies. Drivers can choose policies based on their individual driving habits, such as miles driven per year or time spent on the road. This allows drivers to tailor their insurance policies to their specific needs and preferences, rather than being locked into a one-size-fits-all policy.</p><p>6. Safety Benefits</p><p>Finally, PAYD insurance policies can also have safety benefits. By incentivizing drivers to drive less, PAYD policies can reduce the risk of accidents and improve road safety. Telematics devices can also track driving behavior, such as hard braking and speeding, and provide feedback to drivers, encouraging them to adopt safer driving habits.</p><p>In conclusion, PAYD insurance policies offer a number of benefits over traditional insurance policies, including cost savings, environmental benefits, fairness, technology advancements, customization, and safety benefits. As more drivers seek out ways to reduce their costs and environmental impact, PAYD insurance is likely to become a more popular and mainstream option for car insurance. Insurance companies will need to adapt to these changing consumer preferences and invest in new technologies to provide more accurate pricing and discounts.</p><p><br /></p>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-45752916808890651502023-02-25T17:57:00.001+07:002023-02-25T17:57:58.783+07:00 What Happens When You Get in a Car Accident<p> Getting into a car accident can be a scary and overwhelming experience. It's important to know what to do in such a situation, as it can impact your safety, financial stability, and legal obligations. Here's what happens when you get into a car accident.</p><p>1. Check for Injuries and Call for Help</p><p>The first thing you should do after a car accident is to check yourself and your passengers for injuries. If anyone is hurt, call for medical assistance immediately. If there are no injuries, move to a safe location to avoid further collisions. Then, call the police to report the accident and provide them with the necessary information, such as your location and the number of vehicles involved.</p><p>2. Exchange Information with the Other Driver</p><p>After the accident, exchange information with the other driver involved. This includes their name, contact information, driver's license number, license plate number, insurance information, and the make and model of their car. It's important to get this information to ensure that you can file an insurance claim and cover the damages.</p><p>3. Document the Accident</p><p>Take pictures of the accident scene, including the damage to your car, the other driver's car, and any other property involved. This can help you provide evidence to your insurance company and support your claim. Also, make sure to get the contact information of any witnesses, as their testimony can help support your case.</p><p>4. Contact Your Insurance Company</p><p>Contact your insurance company as soon as possible to report the accident and provide them with the necessary information. This includes the date and time of the accident, the location, the police report number, and the contact information of the other driver and witnesses. Your insurance company will then start the claims process and assign an adjuster to evaluate the damage to your car and determine the coverage.</p><p>5. File an Accident Report with the DMV</p><p>In some states, you're required to file an accident report with the Department of Motor Vehicles (DMV) if the damage to your car exceeds a certain threshold. This report documents the details of the accident and is used by the DMV to track accident statistics and identify potential safety issues on the road.</p><p>6. Determine Fault and Liability</p><p>Determining who is at fault in a car accident can be a complicated process. The insurance company and the police report will examine the evidence, such as the damage to the cars and the testimony of witnesses, to determine who is liable for the accident. The driver who is found at fault may be responsible for paying for the damages and any medical expenses incurred by the other driver or passengers.</p><p>7. Repair Your Car</p><p>Once the insurance company has evaluated the damage to your car, they will provide you with an estimate of the repair costs and the coverage you're eligible for. You can then choose a repair shop and get your car fixed. If the cost of repair exceeds the value of your car, the insurance company may declare it a total loss and offer you a settlement to replace your car.</p><p>In conclusion, getting into a car accident can be a stressful and complex experience. It's important to stay calm, follow the necessary steps, and ensure that everyone involved is safe. By exchanging information with the other driver, documenting the accident, contacting your insurance company, filing an accident report with the DMV, determining fault and liability, and repairing your car, you can recover from the accident and move on with your life.</p><p><br /></p>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-769031661189726572023-02-25T17:53:00.001+07:002023-02-25T17:53:53.898+07:007 Tips for Lowering Your Car Insurance Premiums<p> Car insurance is an essential requirement for every car owner. However, the cost of premiums can vary depending on various factors, such as age, driving history, location, and the type of car you own. If you're looking to reduce your car insurance premiums, here are some tips that can help you save money.</p><p>1. Compare Insurance Rates</p><p>The first step in reducing your car insurance premiums is to shop around and compare rates from different insurance providers. You can use online comparison tools to get quotes from multiple insurance companies and compare their rates, coverage, and deductibles. This can help you find the best deal that suits your budget and requirements.</p><p>2. Increase Your Deductible</p><p>Another way to lower your car insurance premiums is to increase your deductible. The deductible is the amount you pay out of pocket before the insurance company starts covering your expenses. Increasing your deductible can reduce your premiums, but it also means you'll have to pay more in case of an accident or claim.</p><p>3. Maintain a Good Credit Score</p><p>Your credit score can also impact your car insurance premiums. Insurance companies use credit scores to determine the risk level of their customers. A good credit score can help you get lower premiums, while a poor credit score can result in higher premiums. To maintain a good credit score, pay your bills on time, avoid maxing out your credit cards, and keep your credit utilization ratio low.</p><p>4. Drive Safely</p><p>Your driving history can also affect your car insurance premiums. If you have a history of accidents or traffic violations, your premiums are likely to be higher. On the other hand, if you maintain a clean driving record, you may be eligible for lower premiums. To improve your driving habits, follow traffic rules, avoid distractions while driving, and enroll in defensive driving courses.</p><p>5. Choose the Right Car</p><p>The type of car you own can also impact your car insurance premiums. High-end luxury cars, sports cars, and vehicles with a high theft rate or expensive repair costs usually have higher insurance premiums. If you're looking to save money on car insurance, consider purchasing a car with a good safety rating, lower repair costs, and a low theft rate.</p><p>6. Bundle Your Insurance Policies</p><p>Bundling your car insurance policy with other insurance policies, such as home or life insurance, can also help you save money on premiums. Many insurance companies offer discounts for bundling policies, so make sure to check with your provider to see if you're eligible for any discounts.</p><p>7. Ask for Discounts</p><p>Finally, don't hesitate to ask your insurance provider about discounts that you may be eligible for. Many insurance companies offer discounts for various reasons, such as being a safe driver, having a good credit score, or being a student. Make sure to ask your provider about any discounts that you may be eligible for, as they can significantly reduce your premiums.</p><p>In conclusion, lowering your car insurance premiums requires some effort and research, but it's worth it in the long run. By comparing rates, increasing your deductible, maintaining a good credit score, driving safely, choosing the right car, bundling policies, and asking for discounts, you can save money on your car insurance premiums and still maintain adequate coverage for your car.</p><p><br /></p>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-71127771224061588152023-02-25T17:50:00.004+07:002023-02-25T17:50:43.192+07:00The Role of Big Data in Car Insurance<p> In recent years, the use of big data and machine learning algorithms has become increasingly common in the car insurance industry. Insurance companies are using data analytics to better understand their customers, improve the customer experience, and manage risk more effectively. In this article, we will explore some of the ways that big data is being used in the car insurance industry and its potential benefits.</p><p><b>What is Big Data?</b></p><p>Big data refers to the vast amounts of data that are generated by various sources, including social media, sensors, mobile devices, and more. In the car insurance industry, big data can include information on a driver's behavior, vehicle performance, road conditions, weather, and more. This data can be used to gain insights into customer behavior and preferences, improve risk management, and develop more personalized insurance products and services.</p><p><b>How is Big Data Being Used in the Car Insurance Industry?</b></p><p>1. Risk Management: Insurance companies are using big data to more accurately assess risk and price policies accordingly. By analyzing large volumes of data on driving behavior, accident rates, and other risk factors, insurers can better understand the likelihood of certain events occurring and adjust their pricing models accordingly. This can result in more accurate and fair pricing for customers, as well as reduced losses for insurers.</p><p>2. Personalized Insurance Products: Big data can also be used to develop more personalized insurance products and services. By analyzing data on a customer's driving behavior, preferences, and history, insurers can offer customized policies that meet the specific needs and preferences of each individual. For example, an insurer might offer a policy with lower premiums for drivers who exhibit safe driving behaviors or for those who only drive short distances.</p><p>3. Claims Management: Big data can also be used to improve the claims management process. By analyzing data on customer claims, insurers can identify patterns and trends that can help them streamline and optimize their claims handling procedures. For example, if an insurer notices that claims for a particular type of damage are frequently denied or take a long time to process, they can investigate the underlying causes and take steps to address them.</p><p>4. Fraud Detection: Big data can also be used to detect and prevent insurance fraud. By analyzing large volumes of data on claims and customer behavior, insurers can identify suspicious patterns or anomalies that may indicate fraudulent activity. This can help insurers reduce losses from fraudulent claims and keep premiums lower for honest customers.</p><p>5. Customer Experience: Big data can also be used to improve the customer experience. By analyzing data on customer behavior and preferences, insurers can develop more personalized products and services that meet the specific needs and preferences of each individual. For example, an insurer might use data to offer personalized policy recommendations or to develop a mobile app that allows customers to manage their policies and file claims more easily.</p><p><b>What Are the Potential Benefits of Big Data in Car Insurance?</b></p><p>The use of big data in the car insurance industry has several potential benefits, including:</p><p>1. Improved Risk Management: By analyzing vast amounts of data on driving behavior, accident rates, and other risk factors, insurers can more accurately assess risk and price policies accordingly. This can result in more accurate and fair pricing for customers, as well as reduced losses for insurers.</p><p>2. More Personalized Products and Services: Big data can be used to develop more personalized insurance products and services that meet the specific needs and preferences of each individual customer. This can result in better customer satisfaction and loyalty.</p><p>3. Better Claims Management: By analyzing data on customer claims, insurers can identify patterns and trends that can help them optimize their claims handling procedures. This can result in faster and more efficient claims processing, leading to higher customer satisfaction</p><p><br /></p>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-4905049627524563642023-02-25T17:46:00.003+07:002023-02-25T17:46:59.483+07:00The Future of Car Insurance: How Technology is Changing the Game<p> Advancements in technology are transforming the car insurance industry in several ways. Some of the key ways that technology is changing the game include:</p><p>1. Telematics: Telematics technology is becoming increasingly common in the car insurance industry. It involves the use of sensors and other devices to collect data on a driver's behavior and vehicle performance. This data can then be used to adjust insurance premiums based on how a driver actually behaves behind the wheel, rather than relying on traditional demographic factors like age or gender. This can lead to more personalized coverage and lower premiums for safe drivers.</p><p>2. Autonomous Vehicles: The rise of self-driving cars is also poised to have a major impact on the car insurance industry. As more self-driving cars hit the roads, traditional car insurance policies may become obsolete. Instead, insurers may need to shift their focus to insuring the technology itself, since accidents involving autonomous vehicles may be caused by factors outside of the driver's control. This could result in a significant shift in how insurance policies are structured and priced.</p><p>3. Big Data: Insurance companies are increasingly using big data and machine learning algorithms to analyze vast amounts of data on drivers and driving behavior. This data can be used to identify patterns and trends that are predictive of risk, allowing insurers to more accurately price policies and minimize their losses. For example, if an insurer notices that drivers who own a particular make and model of car are more likely to file claims, they may adjust premiums for drivers with that car accordingly.</p><p>4. Mobile Apps: Many car insurance companies now offer mobile apps that allow drivers to manage their policies, file claims, and even receive personalized driving tips and coaching. These apps can also collect data on a driver's behavior, which can be used to adjust premiums. For example, an insurer may offer discounts to drivers who use their mobile app to track their driving behavior and demonstrate safe driving habits.</p><p>By exploring these and other ways that technology is changing the car insurance industry, this article could provide readers with a comprehensive understanding of how the industry is evolving and what they can expect in the coming years.</p><p><br /></p>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-14524972886901348622023-02-25T17:43:00.001+07:002023-02-25T17:43:16.683+07:005 Surprising Factors That Affect Your Car Insurance Rates<p> When you purchase car insurance, your insurer considers a variety of factors to determine your rates. Some of these factors are well-known, such as your driving record, age, and location. However, there are also several lesser-known factors that can affect how much you pay for car insurance.</p><p>This article would explore five of these surprising factors in more detail. For example:</p><p>• Credit score: Many car insurance companies use credit scores to help determine rates, as research has shown that drivers with lower credit scores are more likely to file claims. This might come as a surprise to some drivers, who may not realize that their credit score affects their car insurance premiums.</p><p>• Age of car: The age of your car can also impact your car insurance rates. Older cars may be cheaper to insure, as they typically have lower values and may be less expensive to repair or replace. On the other hand, newer cars with advanced safety features may qualify for discounts.</p><p>• Occupation: Your occupation can also play a role in how much you pay for car insurance. Some jobs are considered riskier than others, and insurance companies may charge higher rates for drivers in these occupations. For example, someone who drives for a living may pay more for car insurance than someone who works in an office.</p><p>• Commute distance: How far you drive to work each day can also impact your car insurance rates. Drivers with longer commutes may pay more, as they are more likely to be on the road during peak traffic hours, when accidents are more common.</p><p>• Education level: Some studies have shown that drivers with higher levels of education may be less likely to file insurance claims. As a result, some insurance companies may offer lower rates to drivers with college degrees or higher.</p><p>By exploring these lesser-known factors that can impact car insurance rates, this article would provide drivers with a more comprehensive understanding of how car insurance premiums are calculated and what they can do to potentially lower their rates.</p><p><br /></p>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-32430300988673582422023-02-25T07:34:00.003+07:002023-02-25T07:34:45.143+07:00Vehicle Protection<p> Vehicle protection is a fundamental type of monetary security for vehicle proprietors. With vehicle protection, you can shield yourself from monetary dangers emerging from harm to your vehicle, mishaps, and robbery. In this article, we will examine different parts of vehicle insurance, including its advantages, types, and how to pick the right contract.</p><p><br /></p><p>Advantages of Vehicle Protection</p><p>Vehicle protection gives many advantages, both for vehicle proprietors and different gatherings who might be associated with a mishap. Here are a portion of the advantages of vehicle protection:</p><p><br /></p><p>Monetary security: Vehicle protection gives monetary insurance against harm or loss of your vehicle because of burglary or mishaps.</p><p><br /></p><p>Lawful risk: In the event that you are associated with a mishap including your vehicle and another party, you will be expected to pay remuneration. Vehicle protection can assist you with bearing the expenses.</p><p><br /></p><p>Crisis support: An insurance agency offer 24-hour crisis types of assistance to help you in crises like mishaps or vehicle breakdowns.</p><p><br /></p><p>Gives a substitution vehicle: On the off chance that your vehicle is seriously harmed because of a mishap, some insurance agency give a substitution vehicle to you to briefly utilize.</p><p><br /></p><p>Kinds of Vehicle Protection</p><p>Vehicle protection comprises of a few kinds, each offering different inclusion. Here are a few well known sorts of vehicle protection:</p><p><br /></p><p>All-Hazard Vehicle Protection</p><p>All-risk protection offers far reaching inclusion, including harm to vehicles because of mishaps, burglary, and catastrophic events. In any case, charges for all-risk protection will generally be higher than different kinds of vehicle protection.</p><p><br /></p><p>All out Misfortune Just (TLO) Vehicle Protection</p><p>TLO (Complete Misfortune Just) is a kind of protection that gives security against vehicle harm arriving at 75% or a greater amount of the safeguarded esteem. Assuming your vehicle harm is under 75%, you won't get installment from the insurance agency.</p><p><br /></p><p>Extensive Vehicle Protection</p><p>Extensive vehicle protection offers expansive inclusion, including harm to vehicles because of mishaps, burglary, and catastrophic events. Notwithstanding, charges for thorough protection will generally be higher than different sorts of vehicle protection.</p><p><br /></p><p>Outsider Just (TPO) Vehicle Protection</p><p>Outsider just protection gives insurance against vehicle harm brought about by outsiders, for example, mishaps with different vehicles or property harm. This sort of protection is typically less expensive than different kinds of vehicle protection.</p><p><br /></p><p>Step by step instructions to Pick the Right Vehicle Insurance Contract</p><p>Picking the right vehicle insurance contract can be overpowering, yet safeguarding yourself from monetary risks is fundamental. Here are a few ways to pick the right vehicle insurance contract:</p><p><br /></p><p>Decide your inclusion needs: Survey the dangers you face and the degree of inclusion you really want. Think about elements like the age and state of your vehicle, the driving circumstances in your space, and your financial plan.</p><p><br /></p><p>Analyze arrangements: Think about the inclusion, charges, and terms of various insurance contracts to find one that suits your necessities and financial plan.</p><p><br /></p><p>Check the insurance agency's standing: Exploration the insurance agency's standing, monetary dependability, and client assistance. Really look at online surveys and evaluations to get a superior comprehension of the organization's history.</p><p><br /></p><p>Comprehend the strategy terms: Read the arrangement terms cautiously, including the inclusion, rejections, and deductibles. Ensure you comprehend the agreements of the strategy prior to joining.</p><p><br /></p><p>Request limits: Get some information about any limits you might be qualified for, for example, safe driver limits, multi-vehicle limits, or dedication limits.</p><p><br /></p><p>End</p><p>Vehicle protection is a pivotal type of monetary insurance for vehicle proprietors. It gives monetary insurance against dangers like mishaps, robbery, and harm to your vehicle. By picking the right insurance contract, you can shield yourself from monetary dangers and drive with inner serenity. Make sure to analyze arrangements, check the insurance agency's standing, and comprehend the approach terms prior to pursuing vehicle protection.</p><div><br /></div>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-36225305062431446732023-02-19T18:48:00.001+07:002023-02-19T18:48:51.235+07:00How to Choose the Right Mobile Insurance Policy ?<p> Choosing the right mobile insurance policy can be a daunting task, but here are some tips to help you find the policy that works best for you:</p><p>1.Evaluate your device's needs: Consider the value of your device and the likelihood of different types of damage occurring. For example, if you have a new and expensive device, you might want a policy that covers accidental damage, water damage, and theft. However, if your device is older and not worth as much, you may be more interested in a policy that covers only a few types of damage.</p><p>2.Compare pricing and deductibles: Look for policies that have a monthly premium that fits your budget, but also pay attention to the deductible. The deductible is the amount of money you will have to pay out of pocket before the insurance company covers the rest of the claim. A policy with a lower monthly premium may have a higher deductible, which means you'll pay more out of pocket if you need to file a claim.</p><p>3.Research the insurance provider: Make sure to research the insurance provider and read reviews from other policyholders. Look for an insurance company with a reputation for reliability and prompt claims processing. You want an insurance provider that will be easy to work with and will be there for you when you need them.</p><p>4.Check for any exclusions: Look for any exclusions in the policy that may prevent you from filing a claim in certain circumstances. For example, some policies may exclude coverage for damage caused by intentional acts, or they may require you to have a police report if your device is stolen.</p><p>5.Read the fine print: Make sure you read and understand the terms and conditions of the policy before you sign up. Look for any hidden fees or limitations that may not be immediately apparent. If you have any questions, don't hesitate to contact the insurance company for clarification.</p><p>By following these tips, you can choose a mobile insurance policy that fits your needs and budget and gives you peace of mind knowing that your device is protected.</p><p><br /></p>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-61461833512314485002023-02-11T18:59:00.003+07:002023-02-11T18:59:50.215+07:00List of the Best Car Insurance Options in Indonesia<p>The list below is the best insurance with affordable premiums and maximum benefits. Come on, let's find out more</p><p>1. Tugu Insurance </p><p>Tugu Insurance, also known as Tugu Pratama Indonesia, is car insurance with very affordable premiums. Premiums for Total Loss Only (TLO) insurance policies start at IDR 35,000 per month, while for All Risk insurance policies starting at IDR 175,000 per month.</p><p>2. Sinar Mas Car Insurance </p><p>Sinar Mas car insurance is often the choice of old car owners. The reason is, this insurance covers the age of the car up to 12 years. The premiums are also very affordable, starting from IDR 35,000 for TLO insurance and IDR 175,000 per month for All Risk insurance. The insurance managed by PT Asuransi Sinar Mas (ASM) also has 584 partner workshops.</p><p>3. ACA insurance </p><p>ACA car insurance has more than 400 partner workshops and offers two policy options, namely TLO and All Risk. This insurance can be used to cover damage to cars that are a maximum of seven years old. Premiums start from IDR 48,000 per month for TLO car insurance and IDR 218,000 for All Risk car insurance.</p><p>4. Adira Autocillin </p><p>Adira Autocilin Insurance is a car insurance managed by PT Zurich Asuransi Indonesia Tbk (Zurich Insurance). This insurance offers the advantage of 24-hour service for customers who need it. To get this service, you can pay a premium of IDR 71,000 per month for TLO insurance and IDR 281,000 per month for All Risk insurance services.</p><p>5. AXA Mandiri Insurance </p><p>AXA Mandiri Insurance managed by Mandiri AXA General Insurance (MAGI) also offers affordable premiums for the best service. Premiums start from IDR 45,000 per month for TLO and IDR 194,000 per month for All Risk. Very affordable, right? With affordable premiums, AXA Mandiri provides partners for more than 150 workshops.</p>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-56010039179931309732023-01-06T11:04:00.005+07:002023-01-06T11:04:38.656+07:007 mistakes people make when purchasing car insurance<p style="text-align: justify;">I spent about 10 or 11 years helping people purchase insurance for home auto umbrellas all the main things for what we call personal lines and i've learned a lot of things that people do in some habits that almost everybody does that are just the wrong ways to go about purchasing a policy so in today's video we're going to talk about these seven ways or seven mistakes that people typically make when purchasing car insurance now this kind of pertains to a home and renters and all the other stuff as well but it's more geared towards the auto portion so let's dive right into it number one is everybody wants a better price that's pretty common even when i teach sales people when you're talking to customers what's the one thing that they want they always want a better deal but they don't think about all of the benefits that they can get on top of that so when you have an </p><p style="text-align: justify;">accident or have a claim if you just call around and start shopping and you don't figure out what coverage you want ahead of time you're going to compare a whole bunch of different quotes against each other without being accurate to see who's is better and whose is worse because you're doing that you're also not getting a lot of the times towing and road service one company might quote it one company might not other companies might do rental car coverage but how much are they giving you is it fifty dollars a day is it thirty dollars a day personally i like the lower amount because i'm willing to pay extra when i'm renting the car because it's very rare that i have a claim so those are some things that you have to think about do you even want towing or are you going to buy a aaa membership there's a lot of coverages that you need to learn and know about which is what this </p><p style="text-align: justify;">whole channel is about so don't worry you're going to learn it i've got a whole bunch of 101 videos on here if you are interested so that's one of the main things that people forget to do is they don't understand what they're looking for so in this process you really just need to ask yourself what do i want if i were to build the perfect policy do i need towing road service rental car do i want gap insurance do i want a savings bank which is also called a vanishing deductible do i want cash back some companies offer they'll give you two to five two and a half to five percent back every six months to a year depending on your policy when you have no claims by doing that that's gonna save you money long term you're gonna pay an extra portion or piece for that but if you're saving money </p><p style="text-align: justify;">on top of getting those coverages it might be worth it for you to decide because mainly you're going to get that money back at the end what i find is to have a whole package with certain companies you may only pay 100 to 150 more a year but it gives you a hundred to 120 back so essentially you're only paying a couple dollars a month to have accent forgiveness claims free renewals all of these extra benefits the upgraded towing and road service oem equipment parts that's the original manufactured parts instead of the off-brand napa not always the best but that's most people want that especially if you have like a toyota or lexus or mercedes or one of the better cars that need those original equipment parts not all policies are the same so there's huge differences between them i'm not trying to confuse you but it's good to know what options are out there and if </p><p style="text-align: justify;">companies will tick those boxes for you the second way is people buy higher deductibles it's something that i see commonly and i tested a little bit and tried this with a few customers in the past this was back at a fairly not favorable position where we were just trying to sell anything and everything under the sun and we would have long conversations with customers and you could tell they were droning you out because you kind of threw some fun exciting fake stuff into the call so you would talk about something that made no sense at all and they would just be like uh-huh yep yep i got it i got it yeah so we're going to cover you for bodily injury 100 300. the towing is going to come with it you're going to get a muskrat and a mouse mixed into your car and they're going to bite the wires and then we're going to give you a 5 000 deductible yup yup sounds great i love it it sounds good how much is the price let me buy it so be very careful pay attention to the person on the other end what they're really offering that they're not raising your deductibles to make them a cheaper </p><p style="text-align: justify;">deal number four it seems really basic but there's a really in-depth portion to it which is the discounts understanding which discounts you're qualified for and some discounts that you can get in the future if you guys want to get more in depth with the discounts keep watching this video but i will link up here another video that goes over the top 11 discounts i personally am using eight or nine i believe of those today so there's a lot of savings that you can get that will knock the bill 10 20 30 percent down and that leads us to number five which is kind of a combination of everything we've talked about which is asking enough questions i commonly see that people when they get into a five to ten and if you're quoting home with it it can be a 20 to 30 minute conversation because there's a lot of details you know the square footage of your house the type of cars you drive who's </p><p style="text-align: justify;">driving what who are these people that might live in the house what is there's a lot of questions and they tend to drone a lot of that out like we mentioned earlier but the questions start to fall off because they more so just want to get that final number and see what the comparison is through their checkbook and not through what they're getting so don't rush through the call if you're talking with an agent live or if you're doing it online take a little bit of time it's going to take a few more minutes to sink in and completely understand it if you're dealing with an agent that has been seasoned or they know what they're talking about then they're typically going to make sure that </p><p style="text-align: justify;">they teach you something that's the goal on every call i do is to make sure you understand one what you're purchasing two that it gives you enough benefits in three that i'm meeting your expectations as far as the value this channel always is about value-based selling and when we talk about that it's what is important to you or what do you perceive valuable that i can include in the policy that will be something that benefits you either now or in the future and number five is probably one of the most important what is kind of an old-school way to shop for insurance is just calling different companies if you have a list or if you've been on my previous channel i've recommended several companies then sure pick up the phone or go on their website and do the quote because those are likely going to be the best options for you but if you're new and you're just starting to shop it's going to take you days to find the right company and i don't want you to not do that the reason i say that is because </p><p style="text-align: justify;">most companies have been combined into one so what that means for you is there's apps and there's companies or agencies that can quote multiple companies for example i work for an agency that quotes up to 17 different companies in 21 different states we've got a lot of reach in different places we can go i also on this channel have worked with an app that quotes similar in multiple states up to 30 companies and you don't have to talk to a live person so you can do it right on your phone you can fill it out you can even text them and then if you want a phone call you can where ours is more of the phone call portion which is also great for those that want that advice and need </p><p style="text-align: justify;">that hands-on option i'm actually going to link both of those below so if you are interested in getting a quote from either me or that other company it's perfectly fine whatever fit is best for you if you're the type that is like my dad and you want to call three main companies then feel free to leave me a comment below let me know what state you're in and i'll try to recommend some companies that i can think of that would be a good fit in your area also in that same comment let me know your age because that does play a factor on which profile or which company is typically best for your state </p><p style="text-align: justify;">and number six is doing what's cheapest that kind of goes back to the first piece is where you're just buying based on price it's not always the same there are no apples to apples and insurance sort of you can do apples to apples if you know what coverage you have already and they know that you like the coverage that you have and it's going to be a fit but things change you move you buy a new </p><p style="text-align: justify;">car you get married you have a ticket all of this happens and the company that was great today may not be the company that's great for tomorrow so know that there's different options but when you're going from company a to company b yes make sure the agent isn't taking advantage of you but also make sure it's not just about price the agents understand that that is the number one thing people ask for so they're going to try their best to get you the best price but it doesn't mean that you have to cut the coverage out to get that best deal and that dives right into number seven which is getting advice the advice should come from somebody that's in the industry or has had experience </p><p style="text-align: justify;">typically a parent is going to be really good with advice if they know what they're talking about not everybody was taught insurance it's no different than when you got out of high school and you got out of college and you started budgeting you started making adult money and things started happening and all of a sudden you ended up with a hundred nerf guns and a whole bunch of candy you got a dentist bill that you can't pay that's that's me and you're just like crap no one taught me how to balance a checkbook it's the same thing no one taught me how to shop for insurance i just joined mom and dad's policy because it was easy and now my best friend billy is telling me what i should do because he gets a really good rate with x company and that company does amazing well go ahead and ask billy what coverages he has 8 out of 10 times i can bet you that he doesn't have a </p><p style="text-align: justify;">clue what his liability limits are what his property damage is whether he has a vanishing deductible or any of the key benefits that might be something that you want if he does then great i'll take the advice and and use it but if he doesn't understand what he purchased you may not want to take the advice from him or her or whoever's giving that out advice is pretty freely given there's a lot of it out there just be careful on which pieces you're listening to and the bonus tip that i want to give you is when you find the deal that you want make sure that you know what you're looking for don't wait if you're waiting because it's a money thing or a time thing perfectly fine but if you're waiting because you're just not quite sure it's the right move as long as you've compared and make sure the </p><p style="text-align: justify;">coverages are the way that you like them and you like the price don't be afraid because some companies will knock six to seven to nine hundred dollars off your bill i've flat out cut five grand off of one guy's bill it's amazing how giving somebody the right company the best fit for the person and they're looking for that type of client is gonna get you the best price now i'm not saying you're necessarily gonna save that much most companies save an average anywhere between four to eight hundred dollars depending on who you're with and who you're switching to but once again it falls back on to the other pieces that we talked about if you guys didn't get any of this let me know in the comments below i'm gonna put different sections here so you can go back to each section if you </p><p style="text-align: justify;">didn't quite grasp one piece or if you were taking notes feel free to jump back to that section and re-watch that part happy to answer any questions if you have them don't forget to like subscribe if you want more turn the bell icon on because there's great value we're going to save you time money and teach you what the right insurance coverage is for you and lastly if you guys haven't already go ahead and watch the insurance 101 if you want to learn about insurance otherwise go ahead and watch the 11 discounts that you need to know about that video is a little bit over a year old but it still stands true with the discounts that are offered most of them haven't changed over time and if there are new ones i will definitely make a video for that which is why you want to turn the bell icon on i'm mark with think insurance i'll see you in the next one</p><div style="text-align: justify;"><br /></div>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-80928462397246612442023-01-01T10:53:00.002+07:002023-01-01T10:53:34.262+07:00How Health Insurance Real Works | What is a Deductible? Coinsurance? Copay? Premium?<p style="text-align: justify;"> - If you have a health insurance plan, or you're in the market for insurance, you may be feeling a bit overwhelmed, and maybe confused by all the terms being used, copay, deductibles, premiums, co-insurance, individual out-of-pocket maximum. Add the fact that many of these can vary widely based on the coverage or plan, and you've got a lot to wrap your mind around. In this video, we're going to break down and demystify these essential health insurance terms, explain how the costs work for both you and your insurance company, and hopefully make you feel a bit more confident about how your plan works. So let's get started. Sort of the view from 10,000 feet is that there are three levels of healthcare costs, and the higher your costs for the year, the higher up you go, level one, level two, level three. On level one, you pay for everything. When your healthcare expenses get to a certain </p><p style="text-align: justify;">point, you enter level two, where you and your insurance company share the costs. And if the money you're paying out of pocket hits your plans cap, then you enter a level three, where your insurance will cover everything further. We'll circle back to this at the end. It'll all make a little more sense. Now, whether your health insurance is provided through your employer plan, through somebody else's employer plan, or a government-issued plan like Medicare or Medicaid, they all have a set amount for premiums, deductibles, copay, and co-insurance. These are all terms that represent your out-of-pocket costs. If you don't know what those figures are for your policy, contact your insurance company to request a copy of your policy. Now, I just throw a bunch of terms at you. Let's define these suckers. Premium, think of your premium like a monthly subscription fee, like your Netflix subscription. This is how much you pay each month to keep your insurance active. And you </p><p style="text-align: justify;">pay this even if you never go to the doctor. Just like with Netflix, even if you don't watch anything, you're still paying your subscription, right? Deductible, your deductible is amount specified by your plan that you have to pay in a given year before your insurance pays a dime. For example, if your deductible is set at $4,000, and the bill for your visit to the hospital was $2,000, you have to pay a 100% of that bill, bummer. But if your deductible is set at $4,000 and the hospital bill is $8,000, insurance would kick in to help cover half of that bill. Notice that I said it will help. More on that later. The good news is that this is an annual deductible, meaning that once you've paid that amount towards covered medical expenses, you don't have to pay it again until your plan resets. Often, this </p><p style="text-align: justify;">is on January 1st, but that's not always the case. You should check with your insurance provider. When shopping for health insurance, it's great to look for a plan with a low deductible. However, there is of course a trade-off. Plans that feature a low deductible come with higher monthly premiums, while plans with lower monthly premiums have high deductibles. So why choose one over the other? Well, it comes down to what you anticipate your usage will be. If you usually go for one, maybe two doctor's visits per year, you probably want it high deductible with low premiums. These are often referred to as catastrophic coverage plans, because they aren't going to kick in until something really significant, or catastrophic happens. On the other hand, if you visit the hospital a lot, or you have some upcoming procedures, then you probably wanna go with a high premium, low deductible plan. If you have a health insurance usage history, you can use that to help determine </p><p style="text-align: justify;">which kind of plan is gonna be best for you. Copay, your copay is a set cost that you pay for a covered healthcare service, such as visiting an in-network doctor, a specialist, or buying drugs. Let's say you go to see your doctor who charges $250 for an office visit. But your insurance has a copay of $50 for doctor's visits. You pay $50, and your insurance picks up the rest. Well, hold on a second. How do copays work if I haven't met my deductible yet? Because copays are paying for some of your medical expenses. Doesn't that not kick in until after you hit your deductible? Well, confusingly, it depends on your policy. So that's something you really wanna check on. Here's a tip, your insurance will likely have a list of preventative care benefits that they'll cover at 100%, no copay, no deductible, no co-insurance. These often include vaccines and many types of screenings, so take advantage of those. Co-insurance, remember when I said that insurance would help cover costs that exceed your deductible? That's where co-insurance comes in. Co-insurance is a shared cost between you and the insurance company. So depending on your policy, it may say that after your deductible, you pay 20% and your insurance company pays 80%. That's called an 80/20 policy. Now, for the ease of math, let's say you have a 50/50 policy with a $4,000 deductible, and you just had an $8,000 ER </p><p style="text-align: justify;">visit. You pay the first $4,000 to meet your deductible, and then the second $4,000 would be split 50/50, meaning you'd pay 2,000 of that. So for that $8,000 ER visit, you'd be out $6,000. Individual out-of-pocket maximum, out of pocket is the amount of money that you pay. This includes your copays, doctor's visits, co-insurance, deductibles, drugs, and the out-of-pocket maximum is your plan's cap on how much you have to personally pay towards your healthcare costs. After you hit that maximum, 100% is covered by your insurance. Family out-of-pocket max, based on what individual yearly out-of-pocket is, you can probably guess this one. It's the cap on the medical costs for a whole family. Now, let's bring back the three levels example from the beginning. Now, you start in level one, paying basically everything out of pocket, that is, until you reach your deductible, and that's when you go to level two, and that's where you're splitting the cost with your insurance company </p><p style="text-align: justify;">through co-insurance. If your medical expenses get so high that the total of what you paid reaches your yearly out-of-pocket maximum, you move to level three, where all further healthcare expenses for the rest of the year are 100% covered by your insurance plan. When your plan resets for the year, you start back at the beginning. Usually, this happens on January 1st, but some plans differ on their reset date. If you're still feeling unsure about what this all means, or about your financial responsibility for your covered services, your local healthcare facility can often help you obtain and understand this information, especially when considering an upcoming service or appointment. Hopefully, this video has helped you feel a little more comfortable with the costs involved in your health insurance. Thanks for watching. (bright music)</p><div style="text-align: justify;"><br /></div>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-82049677777028120292022-12-31T05:06:00.003+07:002022-12-31T05:06:44.479+07:00Never Buy This Car Insurance<p style="text-align: justify;"> Rev up your engines, today I'm going to talk a car insurance company that you should not buy car insurance from, now of course all car insurance and all insurance companies are out to make a profit, they take your premiums and try to get them as high as they can, then they try to pay out as little as possible to make a profit, those giant insurance company towers like the AIG one that's 3 blocks from here didn't get built for free, it wasn't jack and the bean stalk, it's your insurance premiums that made them make a lot of money, to build those buildings and to pay themselves a lot, and to give you an example of my own personal car insurance, I've been driving for 45 years,</p><p style="text-align: justify;"> well over $70,000 in car insurance premiums, and over those 45 years the claims that I put in and got paid for, I'm a good driver, came down to less than $6,000, so do the math who came out, the insurance company did, they came out like bank robbers, if you take all the other insurance that I've paid in the last 45 years, house insurance, health insurance, and car insurance, your talking over $240,000 that I gave to insurance companies, I have had claims paid for the house for hurricane damage and health stuff done to me of less than $40,000 total, they made $200,000 off of me, so realize these insurance companies are making a lot of money, look at all the advertising they do, hey they spend hundreds of millions of dollars advertising to try to get you to give them money </p><p style="text-align: justify;">so they can make more profit, so I'm going to show you which car company is the worst one that you shouldn't deal with for buying car insurance, and the winner of this competition or should I say loser, Mapfre, you may have never heard of them but they insure lots of things for other people, Mapfre is a spanish company so why am I talking about it, well they bought a massachusetts only company called commerce insurance, this was in 2008 then the commerce joined mapfre huge worldwide insurance that has more than 50,000 agents, I'm not making this up, 50,000 insurance agents, now this particular company serves mainly the new england area in the US, but worldwide their in over 49 countries serving over 35 million people, and at least here in the US if you think bigger is better, </p><p style="text-align: justify;">not in this case, they have so many complaints against them, they have complaints that they kept billing customers even though they cancelled the insurance, of keep jacking up people's rates even though they haven't been in any accidents, and even not paying for work at a body shop when people had their cars wrecked, they just flat out refused to pay, as a mechanic I see this happening with many different insurance companies, I remember going to a customer once to a state farm, and all I heard the agent in his private office, I'd pick up the phone and say, oh I'm sorry your not covered </p><p style="text-align: justify;">for that, oh I'm sorry your not covered for that, you know they want to make in as much as they can and pay out as little as possible, and make you jump through hoops half the time to get something that you've already paid for, now another company that's known for being a poor insurance company used for cars is Metlife, yeah their like the largest life insurance sellers in the US, metlife had $2.5 trillion in policies written the last time I checked, well of course like everybody else in big business they get greedy, now of course they've expanded into car insurance and stuff, and from my customers experience and others that I've met, they often do a horrible job insuring cars, I had a </p><p style="text-align: justify;">customer who was quoted $250 a month which is high enough, and then when they got their bill it was actually $500 something, and they just said of we made a mistake when we gave you a quote so here's what you owe us now, I had another customer with metlife, they had no accidents for 5 years, they just had their insurance policy raised by 25%, so they called up and said what's up I didn't get in any accidents, and they said well that's the way it is and we're going to cancel your policy when it's over because we don't like your attitude, these insurance companies are huge they can basically do </p><p style="text-align: justify;">as they please, they take in all the premium money, of course it's to their advantage to pay out as little as possible, but in many places it's law that you have to have car insurance, now here in the state of texas it isn't law, if you can prove financial responsibility like if you have more than $200,000 in the bank or something, you can use that has proof of insurance if you want to, but of course the whole point of the insurance company is they try to scare you and saying that oh your safe your covered now, well they make a fortune because it's all done through math, they can't lose, whenever something bad happens then they just raise the rates in the future, like here in Houston last time we had a big hurricane, guess what all the insurance rates went up, and they put a disclaimers in every one that would say, oh the first $20,000 of hurricane damage you have to pay </p><p style="text-align: justify;">for that's the deductible only for hurricane damage, so you don't want to use a bad company, it's bad enough that your giving them a ton of your money, when something bad does happen, hey you want them to pay for the damage that was done and not raise your rates, but unfortunately that's how a lot of these companies work, I'll give you my own personal example, I had one car insurance and they made a mistake and instead of emailing me the bill for the year they emailed it to my wife, so I didn't see it, I've been with this company for 10 years, then they dropped me because they said, well you didn't pay, and I said well I didn't get a bill, I didn't get one in the mail, they said oh we only </p><p style="text-align: justify;">do it online now, I said well who did you email it to, and they mailed it to my wife's email, I said I'm the one paying it, it's my email you should have mailed it to me, so they dropped me, then I went all over the place trying to buy insurance and they said, oh well you had a lapse in coverage and now we want $4,500 a year instead of the $900 that I was paying, so I finally got liberty mutual they decided they were going to give me a policy, and it was more than I'd been paying before it was like $1,200 a year, and before I was paying less than $1,000, but I had no accidents the year I was with them, and then the next year they raised it 25% for no reason whatsoever, but then funny enough, like I said these huge corporations one side doesn't know what the other is doing, my original company that dropped me because they said I had a lapse in coverage and they wouldn't cover me, </p><p style="text-align: justify;">they kept sending me a little credit card thing that says, oh we'll give you a good deal, so I went back to them and got the price that I had in the original place from the company that said they didn't want to insure my anymore then they kept sending me things that say of we want to insure you, it crazy they way these companies operate, now I'm sure a lot of people out there have a problem with their insurance companies too, I'll give a mention to farmers their a pretty bad insurance company, I've had customers have problems getting claims paid from them and then having their rates jacked up if they get in a little fender bender, a lot of them they just don't care about you, but at least now </p><p style="text-align: justify;">you know two of them that you should stay away from and when your in the market for buying insurance asks your friends what experiences they have, just don't go out and buy it randomly, because you don't want to be stuck with one of these bad companies that when you do get in a pinch a something happens, they make you go through a lot of hoops to get something that you've already paid for, so if you never want to miss another one of my new car repair videos, remember to ring that bell</p><div style="text-align: justify;"><br /></div>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-72422430891632588562022-12-30T08:32:00.003+07:002022-12-30T08:34:27.917+07:00Know the Importance of Car Insurance, Benefits, and Types<p style="text-align: justify;">Hello Hello, friends. It is undeniable that a car is one of the vehicles that is inseparable from our lives, from going to work to going out of town, everything is definitely more comfortable using a car, but are you aware that there are many possibilities that can actually happen to your favorite car, such as having an accident or being hit by a natural disaster Surely you don't want this risk to happen to you, right? Moreover, after an incident you usually have to pay a lot of money. Car insurance is a protection service provided by the insurer for the car that you have from various risks such as accidents , natural disasters, fire, damage so that riots, according to the provisions stated in the policy, this protection can be given to private cars. or a car that is used for business purposes, of course there will be many benefits. </p><p style="text-align: justify;">If you have car insurance for the first time, you will feel safe because you avoid potential future losses. for the losses listed in the insurance policy indirectly your savings will not be drained to repair or replace the car when things go wrong both car insurance makes it easier for you when a disaster occurs some car insurance also provides facilities such as replacement car repair shop shuttle and close assistance the last way is car insurance as a form of investment because it has been given vehicle protection and it will be better maintained and maintained so that the selling price will be higher after knowing the benefits.</p><p style="text-align: justify;">Now is the time for you to choose the type of car insurance bill that suits your needs All risk or comprehensive car insurance. This type of insurance will encounter all kinds of damage, ranging from minor to severe damage to loss of vehicle, but there are also risks that are exceptions, for example an accident occurs while under the influence of alcohol or theft by your own family car insurance Telo or total loss only, this type of insurance will only cover damage that occurs above 75% or theft and robbery when compared to the benovit that will be obtained and of course the cost of allrisk insurance is much higher than the real of especially if you want additional extended protection if the price of your car is relatively high You should choose all risk car insurance compared to Telo so you don't choose the wrong one. You can compare and buy the best car insurance products atceratiti.com now</p><div style="text-align: justify;"><br /></div>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-28588439016506486492022-12-30T08:10:00.002+07:002022-12-30T08:35:28.698+07:00Insurance: Beneficial or Make a Loss?<p style="text-align: justify;">Talking about money when discussing this insurance especially health insurance I really often hear stories from two different sides maybe you are the same as me on the first side we often hear sweet stories from relatives A friend or maybe an insurance agent For example, there are people who have a critical illness and need to pay for medical expenses which are very expensive in the end they are helped because all costs or most of the costs are covered by insurance but on the other hand it is not uncommon for us to hear stories of concern that come From insurance customers, there is a story of a father who took insurance from 2012 and paid tens of thousands of insurance premiums every year, right in 2017 he had lymphoma, but his insurance claim application was rejected by the invoice. </p><p style="text-align: justify;">There are also customers who buy insurance products as well as invest or unit link and promised big investment profits with the selling agent after a few years, the investment didn't increase, instead they experienced losses that could be said to be really big, and some even reported them to the police and for compensation, if you pay attention on some social media like Facebook, there are lots of groups that contains stories from customers who feel aggrieved by the insurer Wow, how can that be like that ? it's better if we just save it ourselves, in this video I want to discuss a few things about insurance. First, I want to talk about insurance schemes, especially health insurance. I'm also going to peel some important notes before you get health insurance for those of you who are thinking about taking case insurance hey, I hope this content is suitable for you, one thing that I Jenny is about this content, I promise I will not promote any insurance company in this video and purely provide neutral information for you. </p><p style="text-align: justify;">Okay, first I want to discuss about the health insurance scheme, the concept of the size of health insurance cash. it is coverage for a number of treatment costs if there is a health risk so if we are sick the cost of treatment will be paid for, so the insurance can pay all of it or there are also those who pay part of it to get these benefits, we need to pay insurance premiums, some are every month, some are every years and the amount can vary greatly, so via this insurance company, they usually have policies that are very diverse and different from each other, starting from the coverage of any protection. protection coverage Yes, so each insurance has a different guarantee, some only cover hospitalization, some cover gastro-road hospitalization, some cover critical illness, some only treat ships in Indonesia, but some cover medical treatment in the country and everything else, the coverage depends on that. </p><p style="text-align: justify;">The type of product we choose and how big is the premium commitment we want to pay, so it's very important for you to determine for yourself what exactly your needs are, so we don't just obey what the agent offers insurance, we have to be able to determine what our insurance needs are. Second, we will discuss the process of coins, for example, if we are sick, there is insurance that immediately pays for our treatment or care costs. This type is called health insurance. It's easy, we only need to bring a membership card. only from the insurance, the hospital will confirm it to pih I am insurance that the maintenance costs included in the insurance protection will be automatically paid by the insurer . </p><p style="text-align: justify;">The second claim process is returns, so if we are sick, we have to pay first or provide for our treatment. continue to discuss the types of insurance in general, we can divide health insurance. So the first two categories are conventional or Sharia. sharia, whose basis is mutual protection and mutual assistance among fellow customers who are potentially at risk, now we will continue the second base category, namely pure insurance or traditional insurance and unit link insurance for traditional insurance, so the premium we pay is made by him It's just the insurance and generally we pay the premium fee, Angus will, if there is no risk, the unitlink transparency is insurance plus investment, so some of the money we pay will be channeled to pay insurance premiums and the other part will be passed on to mutual fund investment instruments Now that's the general scheme of health insurance, now I want to discuss how do we do it so that we can really get optimal benefits from insurance, what are the tips so that we avoid unscrupulous insurance agents who offer insurance products that don't suit our needs The first tip is to choose an insurance company that has a good reputation, how do you find out? It's really easy. You just want to inquire about the insurance company on social media, readers' letters or online news. Hello, we're careful. problem complaints u protest from the customer, usually the name of the insurance company that is in trouble, namely that again, how come there are no good insurance companies and usually good insurance, yes, there are very few complaints. This insurance will stand by and help us and make sure we have insurance services. Even if it's not someone we know well, try this agent. </p><p style="text-align: justify;">This really has a good track record. What is your insurance like? For example, you want insurance that covers critical illness, you don't want it to cover hospitalization or you want it to cover outpatient care. In principle, we are the ones who know best and understand our needs the most, so we have to be integrated into insurance products like what do we want to take, don't let insurance products k we are even made one-sidedly by love insurance agents Why is that? Yes, because after all, insurance agents also have an interest in me getting commissions from the types of benefits they sell. It doesn't mean that all insurance agents are Christmas, so many insurance agents offer products that are right for you our needs. But basically, we should first understand what our needs really are. This last tip is related to insurance plus investment or unit link for unit link. You need to be extra careful with unit link offers from your insurance agent. Why is that because to be honest?</p><p style="text-align: justify;"> There are Hi there, there are many unscrupulous insurance agents who don't provide complete information or detailed information on their prospective customers and in the end it causes a lot of misunderstandings. You should know that there are quite a number of unscrupulous insurance agents who package this unit link as an investment instrument that promises certain benefits, even though the costs are high. hidden in asuras There can be a lot of unitlinks, starting from administrative acquisition costs, the cost of purchasing investment units, operational costs, not to mention the cost of the insurance premium itself. </p><p style="text-align: justify;">That's what ultimately makes many customers wonder how come a unitlink investment can lose so much after so many years, even though it's it says investment but how come the money has actually decreased? You should also know that unit link is not the ideal place to invest. If you want to invest, just be an investment place that you can monitor and be flexible for you. Liquid is like a deposit in a mutual fund bank or stocks. Remember insurance and investment. they have different functions and goals, investment is for growing assets while insurance is for protecting us from potential risks in the future, both are good and both are useful. But it's better not to mix it up, okay? which is clearly not for investing If one day we can't afford it, I can pay the premix dues due to certain situations, some of the funds from this unit link can be used to allocate it for training costs. Funds from this unit link will also be used to keep things trending.</p><p style="text-align: justify;">The insurance that we pay every year is fledge and keeps going up okay now the question is actually do we need insurance or not. Well, in my personal opinion , health insurance is mandatory to have at least BPJS Kesehatan, which is relatively cheap, the reason is simple, sooner or later as we get older our physical condition will it's getting lower and more vulnerable to getting sick, the cost of medical treatment, especially when it's critically ill, is really expensive. It could be that our savings have been waiting for years, just because of an illness or because of post-accident care . doesn't provide accurate information there are also several insurance companies whose customers are less credible and don't have good financial management, so we need to be more careful in making financial decisions, including reinsurance. I hope what I got here can be useful for you, see you in the next video the channel only talks about it because it doesn't stop talking about money Hi Ho</p><div style="text-align: justify;"><br /></div>DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com0tag:blogger.com,1999:blog-1547590031793779765.post-60841135767033987872014-05-11T04:02:00.002+07:002014-05-11T04:02:27.725+07:00Should You Get Rental Insurance When Renting A Car?<div style="text-align: justify;">
If you have ever rented a car for a short period of time, whether during a vacation, a business trip, or while your own automobile was being repaired, you have probably faced the question of whether to take out insurance at the rental agency desk when you rent the car. Paying your rental company for insurance on your rental car is necessary sometimes, but not always. In fact, much of the time rental car insurance ends up adding some fairly steep fees onto your rental even though the coverage you’re paying for may be completely redundant.</div>
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To know whether you need to write a check for the hefty chunk of change that many automobile rental companies collect for insurance coverage, all you need to do is spend a bit of time finding out exactly what kind of coverage you already have. In many cases, your regular auto insurance is more than sufficient to protect you financially if you do damage a rental car. Anyone who owns an automobile of their own has an insurance policy that gives them some level of coverage in case of damage to the car from an accident, theft, vandalism, or other mishap. It varies a bit from policy to policy, but most of the time this same coverage will apply to a car rented in the policy owner’s name. This means that if your car is fully insured, any rental car that you drive will probably be just as well covered as your personal automobile. </div>
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Of course, before you turn down added rental insurance at a rental car agency, make sure you have spoken to your personal insurance agent or a representative from the company that holds your policy to make absolutely sure your policy covers rental cars. If your auto insurance doesn’t cover your rental, you could be left holding a bill for tens of thousands of dollars. This kind of costly mistake can be easily avoided just by making one phone call in advance. Even if you are not planning to rent a car in the near future, it is not a bad idea to find out today whether your policy covers rental cars. That way, all the necessary information will be there for you when you need it. </div>
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Even if your regular insurance plan doesn’t adequately cover rental cars, you don’t necessarily need to pay the high insurance fees that a rental agency will probably charge. There are plenty of options to make sure your temporary wheels are covered in case of a collision or other cause of damage to the car. In fact, you can get a much better rate than a rental agent is likely to offer you even if you don’t own a car of your own. There are specific policies that insurance companies offer for customers who rent cars frequently. A non-owner auto liability insurance policy provides affordable and usually quite comprehensive protection for rental drivers who do not own cars. If you don’t have personal automobile insurance that already covers rentals, one of these can offer you the security of knowing you are fully covered without the steep prices of rental agents’ insurance packages. </div>
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Whether you find out that you need to take out a non-owner auto liability insurance policy, or whether you discover that you don’t need to pay anything above what you already do for insurance, a bit of forethought and planning can save you a lot of money at the rental desk. Your rental car may be temporary, but the savings will be permanent.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com3tag:blogger.com,1999:blog-1547590031793779765.post-59366458443658911332014-05-11T03:52:00.001+07:002014-05-11T03:52:21.144+07:00Compare Your Auto Insurance Quote Between Multiple Carriers In Your State<div style="text-align: justify;">
An easy way to obtain these cheap auto insurance quotes is by going to a broker-style website and requesting a quote. Compare your free auto insurance quote between multiple carriers in your state. I got an auto insurance quote really fast and secure. Follow this link to a site for a free auto insurance quote. Or click here for an auto insurance quote today. Click here to get a free auto insurance quote. Complete each field below to receive a free auto insurance quote. We are your best source for auto insurance quote comparison. Quick and easy way to get you auto insurance quote FREE. After you receive your auto insurance quote, get a free no-obligation quote for homeowners or renters insurance. click to apply for an affordable auto insurance quote today! Get an auto insurance quote and save today. Fill out a request and get an auto insurance, health Insurance, or life insurance quote today. Requesting a higher deductible will help you get a cheap auto insurance quote. </div>
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Auto insurance deductibles On my way to a company authorized seminar, a deer hit my car, causing considerable damage. SR-22A form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. Each auto insurance company weighs the factors differently to come up with a cost so it’s critical to compare auto insurance companies. Tell your old company in writing that you are canceling your auto policy and have obtained new insurance. You might think that your auto insurance rate would be pretty much the same no matter which company you choose. You should check to see if the damage is covered by your auto insurance company. But while we’re all pretty much stuck with auto insurance, you needn’t be stuck with a lame auto insurance company. </div>
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Visit Answer Financial for car insurance, home insurance, life insurance, health insurance, auto insurance, vehicle insurance, boat insurance, renters insurance and more. Get car insurance rate comparisons, and buy your auto insurance policy instantly. Car Search – used cars, new cars, car insurance, used cars, new cars, new trucks, automotive classifieds new car prices and new car reviews. If you drive a car, you probably already have auto insurance, but may not be paying for it yourself. Collision insurance covers damages to your car from an automobile accident, regardless of who is at fault. If you lease a car, you still need auto insurance. If you already own a car and are paying auto insurance for it, then some things might be covered by your own insurance policy. If you already own a car and are paying auto insurance, then check with your policy to see what is transferable. </div>
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The purpose of the articles in this section is to prepare drivers with the right auto insurance policy before it is too late. Public policy In many countries it is compulsory to purchase auto insurance before driving on public roads. Today, auto insurance is the most widely purchased of all property-casualty insurance, yet few drivers are familiar with the details of their particular policy. For changes to your AIG auto insurance policy or to ask customer service a question, call 1-800-241-1188. By taking one of these courses, you may be eligible for discounts on your auto insurance policy. After you have bought an auto insurance policy, you can service your policy online or through a customer service representative. The College’s auto insurance policy may not respond to cover unauthorized drivers. A major reason why drivers overpay on their auto insurance policy is because they are not educated and don’t look for auto insurance advice. </div>
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Whatever your need – travel plans, automobile purchasing, obtaining insurance or financial help, AAA is at your service! Thanks very much e have had USAA auto insurance in the past (for ~4 years) and were quite pleased with their service and prices. Ins web is the largest auto insurance quoting service on the Internet. Untiring Direct is dedicated to simplifying auto insurance with the right balance of competitive rates, proven stability, friendly and reliable service, and innovative processes. Amica’s low prices and award-winning service give you a better deal for auto insurance. Today, we’re still providing America’s educators with quality auto insurance and professional, personal service.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com7tag:blogger.com,1999:blog-1547590031793779765.post-42242868371514588682014-05-11T03:47:00.003+07:002014-05-11T03:47:35.812+07:00Get Car Insurance Rate Comparisons Online<div style="text-align: justify;">
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Get an online car insurance quote or retrieve your saved auto insurance quote. Prepare for the unexpected: Find the right insurance Auto Insurance Get free quotes for car insurance from some of the nation’s leading insurers. Adding supplemental insurance coverages like towing and labor or car rental reimbursement to your basic auto insurance policy may save you money. When researching auto insurance companies, consider the following:Customer Service You want to be treated right when you buy car insurance. Get car insurance rate comparisons, and buy your auto insurance policy instantly. AIG Auto customer service representatives are available 24/7/365 to provide answers to your car insurance queries. Only by shopping around and comparing auto insurance quotes will you find the cheapest car insurance rates going. If you rely on your regular everyday auto insurance to cover your rental car, chances are that anyone living in your house is covered. Credit card coverage Some credit card companies will supplement your auto insurance when you rent a car. </div>
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Auto insurance deductibles On my way to a company authorized seminar, a deer hit my car, causing considerable damage. As it was my personal car, not my company’s, my auto insurance will be used to cover the damages. Free auto insurance rate quotes and new car prices direct. Auto policies are heavily regulated by the state you live in and most situations require insurance to pay no matter who’s driving your car. Visit Answer Financial for car insurance, home insurance, life insurance, health insurance, auto insurance, vehicle insurance, boat insurance, renters insurance and more. Flood damage to your car is also covered if your auto insurance policy includes comprehensive coverage.</div>
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Buying a less expensive car will cut down on your insurance and liability coverage costs. Gap Insurance: If you are driving a newer or unpaid for car, consider adding this coverage to your policy. Compare each insurer’s insurance rates, features and coverage to get the car insurance policy you need fast! Superior Car Insurance will provide free immediate online quotes, affordable car insurance coverage, and the satisfaction of being more than just a number. UIM coverage pays for death and injury expenses to you or occupants of your car when the other person’s insurance is inadequate. </div>
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Coverage Options Depending on your situation, your car insurance coverage needs will vary. Negligence, omission of reasonable care of vehicle, or failure to remove vehicle keys while vehicle is unattended will void coverage under this insurance contract. In fact, some states require all motorists to carry this coverage to gain protection from inadequate insurance coverage of other drivers. That’s why you should research insurance coverage before you buy your car. GEICO is probably the only company who will still give you car insurance coverage if you are currently uninsured. </div>
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If you print them off, then you can sit back with your coffee and do a car insurance quote comparison of the rates. It is best to request at least three quotes so you can do a car insurance quote comparison when you get them. Now you can see why you get such a difference in the Car Insurance Quote by going to various companies. Get your car insurance quote online today. You could save even more by getting a free online car insurance quote. Opt for a car insurance quote, and the cover may not be so good. Fill out a request and get a quote for car insurance today. Get a great quote for car insurance today! Click here for a car insurance quote. Click here for a long term care insurance quote. One single enquiry through theidol.com will quickly provide the most competitive car insurance quote from a wide range of the UK’s leading car insurers. Get an online car insurance quote today and find out if switching to Allstate could save you money. </div>
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The insurance company is totaling my car. An insurance company totals a car if repairs would cost more than it is worth. When you begin shopping for car insurance, look for a company that is reliable, secure, and financially sound. The car insurance market is highly competitive and every company wants your business. When these older less valuable cars are stolen or damaged, the insurance company usually pays you the depreciated cash value of the car. So a letter telling you that your insurance company no longer will cover your home or car can be an unsettling experience. Work for an insurance company in some department that doesn’t deal with car insurance. Should you be driving a car uninsured and crash, but your passengers have insurance, then their insurance company will have to pay out. If you are relying on credit card or over-the-counter insurance from a car company, your teen might not be covered. Many credit companies will not allow you to use their collision insurance if you purchase any from the rental car company. Low cost car insurance Alternatively, Insurance wide can find the car or breakdown insurance company that best matches your individual insurance profile. Please click to write your own UK car insurance company Buying insurance for a company car varies very little from purchasing it for standard vehicles.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com4tag:blogger.com,1999:blog-1547590031793779765.post-64178302321400083862014-05-09T03:28:00.001+07:002014-05-09T03:28:46.573+07:007 Tips Cheap Car Insurance<div style="text-align: justify;">
Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.</div>
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So if you have found a discount car insurance broker don’t just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.</div>
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And there’s ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.</div>
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7 Tips Cheap Car Insurance </div>
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1. Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.</div>
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2. Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying car then find out which makes and models these are before you buy.</div>
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3. Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You won’t get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.</div>
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4. Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.</div>
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5. Look at your policy when it comes to renewal time, don’t just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.</div>
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6. Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.</div>
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7. 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.</div>
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So if you’re in the market for cheap car insurance there’s some ideas for you. Don’t just accept that car insurance is always prohibitively expensive, get out there and do something about it.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com1tag:blogger.com,1999:blog-1547590031793779765.post-28282634063323253892014-05-09T03:23:00.000+07:002014-05-09T03:23:29.083+07:00Find Out All About Car Insurance Quotes<div style="text-align: justify;">
When you want to go ahead and get the Car insurance, you will first think of selecting a company which can provide an insurance to your car, however, selecting the right company for your car insurance some times becomes a herculean task for you, very first step is to decide what type of car insurance plan you are looking forward then you can go ahead with, however after selecting the right insurance plan for your car insurance the next big thing comes is getting the car insurance quotes so that you can select the right company which can suit both your needs and budget. </div>
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When quoting the car insurance there are various factors which will be taken in to the consideration such as registration number, the vehicle condition, which type of vehicle, how old is the vehicle like this their will be various factors which will be taken in to consideration, there are also so many sites given online which will give you the information on the quotes.</div>
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While taking the quote there are many conditions which will taken in to consideration such as who will drive the vehicle, have you claim the insurance while met with an accidents, on what factors you are insuring the vehicle like this there are many factors which taken in to consideration.</div>
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Now a days there are consultancies are also providing the insurance quotes. At first their are only insurance companies which will provide the car insurance quote but now there are consultancies who also provide the quotes. After deciding the best car quote you have to fill one of the form and then the agent will calculate the car insurance policy and will give you the car insurance quotes. According to various resources the car insurance quote will vary.</div>
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Getting Car insurance quotes is not a big hassle for an individual as you can find the insurance quotes very easily, you have to be very cautious while getting the insurance quotes, basically the car insurance quotes depends on the information which your provide while filling an online application form which gives you instant updated online quotes. It requires basic information from you. There are other means by which you can easily get the car insurance quotes like advertisements and getting information from magazines. However, the best, cheap and the easiest way to get the car insurance quotes is by going online.</div>
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When you go online for getting car insurance quotes, some online companies will not only provide you information for one company but from three to four different companies wherein by comparing the quotes given by different companies you always have a chance of comparing the quotes and selecting one which suits your needs and budget. Car insurance quotes also depends on other factors like type of engine, model of the car, if you have any extra devices attached for which you want to insure your car.</div>
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Most importantly the car insurance quotes depends on many other factors apart from this like the number of speeding up tickets your have, the number of accidents you have involved with, your age, your sex, your occupation, the car you are insuring is used for the business purpose or personal use. Many other factors apart from this are considered while you buy the car insurance for your vehicle. However, going online to get car insurance quotes are considered to be the best and the easiest way for getting a car insurance quote.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com1tag:blogger.com,1999:blog-1547590031793779765.post-11420602762504119842014-05-07T21:35:00.000+07:002014-05-07T21:35:04.236+07:00How To Save Money And Get Discount Automobile Insurance In Maryland<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp6nVqutYq0REub7-QN_4nD0jEtcHDloAFbTuX0pa0lAGgu04rH99O0yRrSGd8LwNQ1QY2CXG-VMknV8WK9DTQcvrMOqmFnb_gXmODNffMX-SD6wFVQmlhGbLNbfSkAPeY-1fqIci8SfIa/s1600/save+money.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Save Money" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp6nVqutYq0REub7-QN_4nD0jEtcHDloAFbTuX0pa0lAGgu04rH99O0yRrSGd8LwNQ1QY2CXG-VMknV8WK9DTQcvrMOqmFnb_gXmODNffMX-SD6wFVQmlhGbLNbfSkAPeY-1fqIci8SfIa/s1600/save+money.png" height="180" title="Save Money" width="200" /></a>Do not attempt to drive an automobile in the state of Maryland without <b>automobile insurance</b>. If you are caught driving on a public road in Maryland without automobile insurance your license plates can be confiscated and your registration revoked. No new registration and no new plates will be issued to you until you can prove that you have the required insurance coverage. In addition you may be subject to additional criminal penalties imposed by the courts. In other words, it really doesn't make any sense to even try to drive an automobile in Maryland unless you carry insurance.</div>
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Automobile insurance in Maryland does not have to be prohibitively expense for most drivers. In fact, there are several things you can do to help keep your rates as low as possible.</div>
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Start by keeping a clean driving record. A speeding ticket or a drunk or impaired driving conviction will cause your automobile insurance rates to rise to the stratosphere. Likewise, accidents, especially accidents that are deemed your fault, will also cause your monthly premiums to rise sharply and once your premiums have risen because of any of these factors they are likely to stay high for several years. Changing insurance companies does no good; your records are available to all automobile insurance companies.</div>
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If you are below 25 years of age then you know that automobile insurance is especially costly for you. If you are still in school and you want to keep your rates as low as possible then stay in school and work hard; average grades of B or better will save you as much as 5% in monthly premiums at most insurance companies. This is known as a Good Student Discount.</div>
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If you are 55 years of age or more you may have noticed your automobile insurance rates creeping up. They don't have to remain high, however. Talk to your insurance agent and see if your company offers a discount for seniors who have successfully completed a refresher drivers course. Many companies offer a monthly premium discount of as much as 10% to qualifying seniors.</div>
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If you have an older car, especially one with little or no trade-in value, you might consider canceling your collision and comprehensive coverage on your car. If your car is damaged in an accident your insurance wont pay for its repair or replacement, but if your car had little Kelly Blue Book value before the accident then your insurance company would not have paid anything for it anyway so you really lose nothing and save a considerable amount of money.</div>
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One of the most dramatic things you can do to lower your automobile insurance rates is to increase your policies deductible. Your deductible is how much money you will pay out of your own pocket if you should have a claim. Since you will be paying for a portion of each claim your insurance company is willing to reduce your monthly premiums.</div>
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O.K., now its time for you to jump online and check out at least 3 of the many websites that offer to let you compare automobile insurance policies and prices at multiple insurance companies side-by-side. Take the extra time and fill out all of the necessary information on at least 3 different comparison websites. In this way you will be certain to have compared every insurance company that sells automobile policies in Maryland and you can rest assured that you have saved money and gotten discount automobile insurance in Maryland.</div>
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The point of all this is that you are not helpless when it comes to controlling how much you pay for automobile insurance here in Maryland.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com1tag:blogger.com,1999:blog-1547590031793779765.post-89838210489192111242014-05-07T03:50:00.001+07:002014-05-07T03:50:45.432+07:00Simplified Ways of Applying for Automobile Insurance Quotes<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRR8EugehiVEstIGN8zueP2ravg7fIyZbj72ZOj12fhYGQYAztKZIcI4S2PuKoHbHzCT2_NZTbyMg9RdPGVOIMmfDeTbNlV2LC2sJV9vaycASCj0fuL5fMqgx_EI-xMWyZiVru1VdIF99t/s1600/Automobile+Insurance+Quotes.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Automobile Insurance Quotes" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRR8EugehiVEstIGN8zueP2ravg7fIyZbj72ZOj12fhYGQYAztKZIcI4S2PuKoHbHzCT2_NZTbyMg9RdPGVOIMmfDeTbNlV2LC2sJV9vaycASCj0fuL5fMqgx_EI-xMWyZiVru1VdIF99t/s1600/Automobile+Insurance+Quotes.png" height="156" title="Automobile Insurance Quotes" width="320" /></a>There is an easy process that you can go through online that will assist you in finding the right Automobile Insurance Quote companies for your needs. When looking online for car insurance, there are many ways you can go about getting the quotes you want. As I mentioned above, you can use a comparison website that will allow you to receive different quotes from different companies at the same time and you are only required to enter your details once. If you would prefer not to use this type of service, you can go to each website of the insurance company that you want a quote from and fill out their individual forms to receive your quote. This process allows you to choose all the companies that you receive the quotes from.</div>
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Once you have decided which way you want to receive your direct auto insurance quotes online, there are some things to keep in mind. When going to individual websites to ask for quotes, make sure that you enter the same details about yourself on each form. This will help ensure that you receive accurate quotes on the same amount of coverage from each company. You will need to make sure you are honest about your driving history and credit report, as if you are not, this will come out eventually and cause an increase in the amounts you were quoted. The insurance companies will verify this information. There is no way to get around this.</div>
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When you are using the online portion of an general auto insurance company, you always have the option of calling their main number to speak with someone to get all your questions answered. If you have doubts or any type of question, it is important to contact them to clear it up. Some auto insurance companies will offer online chat to an insurance agent. This can be helpful when looking for insurance as you can get your questions answered or get help walking through the detail process of the form. The main page of the site should tell you if they offer online chat and if it is available at that moment in time or not.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com1tag:blogger.com,1999:blog-1547590031793779765.post-59909892888085065282014-05-04T12:34:00.001+07:002014-05-04T12:34:25.640+07:004 Tips What You Should Know Before Buying General Car Insurance<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSjqdwQvxQqyEV5dW2h-4_ncVtRpI4pzefx4mogyXygdqXXTOOBqJX0PRhYtaZSCWmcX5IYuLs9HLNBkpdF_Tu-ALk1TwJ6yXbhgZNK6MZp4Vs1ECR9zU6-AFTQ10ke1mHstdHX8Q_9XzP/s1600/General+Car-Insurance.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="General Car Insurance" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSjqdwQvxQqyEV5dW2h-4_ncVtRpI4pzefx4mogyXygdqXXTOOBqJX0PRhYtaZSCWmcX5IYuLs9HLNBkpdF_Tu-ALk1TwJ6yXbhgZNK6MZp4Vs1ECR9zU6-AFTQ10ke1mHstdHX8Q_9XzP/s1600/General+Car-Insurance.png" height="192" title="General Car Insurance" width="320" /></a>1. You need to know about the laws in your state. Every state has their own set of rules that motorists should abide by. Find out the insurance requirements for your state before you get general auto insurance, as this will help you get a good package. A good insurance company should be able to advise you accordingly. Also, make sure you find out if there are any additional or optional coverage that may come in handy when you get an accident. Their purchase could save you a lot of money in the long run.</div>
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2. You need to understand the basics of car insurance so that you can make a better and informed choice. Read as much as you can from magazines or the Internet to know the difference in policies. Make as many inquiries as possible from different insurance companies until you are satisfied that you understand all you need to know about insurance. You will be in a better position to choose a general car insurance package that is ideal for you. </div>
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3. The next thing you need to consider is of course, how much money you are willing to spend. A good deal for anyone means getting a valuable asset for a lower price. If you shop fervently before buying, you will find your good deal. The many general auto insurance companies are in competition so there is always competition in prices too. Window shopping is good because it helps you see what is in the market before settling for the best. Choose a policy that has all the necessary coverage and comes at a good price. You do not want your insurance stifling you of all your hard earned money especially now that the fuel prices are on the rise. Use a car insurance calculator found in many websites to calculate how much coverage your policy should have or how much you will spend for the cover.</div>
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4. You also need to consider the type of car you drive. Different cars operate in different ways and therefore need different coverage. Know your car, and then choose the best cover for it. Men and women also seem to have different needs when it comes to insurance coverage. Luckily, some companies have recognized this and introduced car insurance for women. Though it is just like the men's, it is tailor made to suit a woman's needs.</div>
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These are just a few of the things you should find out before buying your insurance. With all this information at your fingertips, you can proceed to purchase your general auto insurance.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com6tag:blogger.com,1999:blog-1547590031793779765.post-43994871708510052452014-05-04T11:58:00.002+07:002014-05-04T11:58:08.145+07:00Find Out! Do car insurance quotes cover all clauses?<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhB4GSbiW2kRvlvpDB4Bc1OSd9KPbqIoqDd_NXBeSJl1884F1Wt1DxJi8-eQMT4eea4NhpNQz_UarIjKp_7SoLvaRz63U6Df6T2y4Xf72Q1jkFzz0G0OqILE6EsfpdYvOq-H23xJLoKRTz_/s1600/Car-insurance-quotes.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Car insurance quotes" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhB4GSbiW2kRvlvpDB4Bc1OSd9KPbqIoqDd_NXBeSJl1884F1Wt1DxJi8-eQMT4eea4NhpNQz_UarIjKp_7SoLvaRz63U6Df6T2y4Xf72Q1jkFzz0G0OqILE6EsfpdYvOq-H23xJLoKRTz_/s1600/Car-insurance-quotes.png" title="Car insurance quotes" /></a>When you decide on the type of vehicle, you wish to purchase, get several car insurance quotes online, free. Downloads should take no more than a few seconds. Use caution when choosing the right car insurance quotes from the several available online. Hone in on one or two trusted and reputed companies offering car insurance quotes and make a decision. Car Insurance quotes are available with every car insurance company. The easiest and fastest way to get car insurance quotes is to download them from the internet. They are generally free and give comparative costs, which are enlightening. It is advisable to check these car insurance quotes with your trusted local car insurance agent, who can guide you through the ensuing dangers and pitfalls, in your search for the right insurance policy.</div>
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Most insurance companies do not cover all aspects of the dangers involved during a collision or fatal accident. The driver of the other car may have damaged your car badly. How much of the damages are covered by your insurance policy? Who pays for these damages and medical bills? Hence, it is important to understand car insurance quotes, as well as to read between the lines. Most insurance companies do not specify in their car insurance quotes, the discounts offered to different individuals. For instance, the occupation of a person, his level of education and impeccable driving records, could win him a better rate than what is laid out in the car insurance quotes. The car insurance quotes cannot cover all aspects understandably. It is therefore recommended that the licensed agents in your area explain to you at length, the pros and cons listed in the car insurance quotes before you actually buy an insurance product.</div>
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There are different car insurance quotes that offer discounts for those taking multiple insurance policies and discounts for driver or vehicle related issues. Sit with your local dealer and find out how this can work for you. Look at the car insurance quotes together and ask him to explain the different clauses. What are the obvious consequences of taking only a third party or liability damage? Is it necessary to get full coverage? A knowledgeable agent, who can guide you through the many terms and coverage options, can answer these questions listed in the car insurance quotes.</div>
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Look for the small print when examining the car insurance quotes. Ensure that you are not paying an unnecessary high premium for a car that is already 8 to 10 years old. Sometimes you end up paying more should there be a collision. The car insurance quotes offer discounts to drivers who have an untarnished credit history. Check for credit points in the car insurance quotes.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com20tag:blogger.com,1999:blog-1547590031793779765.post-56517582705935098432014-05-03T10:06:00.003+07:002014-05-03T10:06:45.868+07:00Benefits of getting an auto insurance policy<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz9MG2p3z0AjYf9xYg400AE9lO80YcuUa5l4wKtk1WCrpCKeAAbixF9kNgDt1Lsv0G20WZGS6DA62hB5fOU2zld6_srviZWJ0-T8vWY1jKgdYUl0MydFX5nHvgyS7ZiOR1HNxhinn_acTV/s1600/Automobile+Insurance+Quote.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Automobile Insurance Quote" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz9MG2p3z0AjYf9xYg400AE9lO80YcuUa5l4wKtk1WCrpCKeAAbixF9kNgDt1Lsv0G20WZGS6DA62hB5fOU2zld6_srviZWJ0-T8vWY1jKgdYUl0MydFX5nHvgyS7ZiOR1HNxhinn_acTV/s1600/Automobile+Insurance+Quote.jpg" height="177" title="Automobile Insurance Quote" width="320" /></a>You never know what fate has got in store for you. Accidents and collisions are quite common in today's times. Besides, physical injuries may also happen to you or to a pedestrian from your vehicle. Therefore, be most prudent to take an auto insurance policy that will give you financial protection as well as the much needed peace of mind. Getting your car insured is something which is not just advisable but also legally mandatory. Auto insurance can be extremely beneficial and can bail you out of crisis during an emergency situation. What if your car hits a person who suffers from severe injuries? What if your car collides with another vehicle? What if you yourself suffer from any physical injury while driving? There are many horrific possibilities and all of these will burn a hole in your pocket apart from causing you immense distress. Hence, it will be a wide decision if you plan to get auto insurance. That will give you financial protection and certainly take a huge load off your mind.</div>
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<u>Some of the benefits of auto insurance are as follows:</u></div>
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<li><b>Covers lawsuits</b></li>
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No one wishes to get entangled in the jaws of law. But you cannot escape the law, once you get involved in an accident. However, by taking auto insurance, you can certainly do yourself great service as the policy covers lawsuits and gives you financial security against damages claimed by the aggrieved party.</div>
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<li><b>Benefits during death</b></li>
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If a death occurs owing to an accident, then the survivor enjoys financial benefits if he is insured.</div>
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<li><b>Theft</b></li>
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If your car gets stolen, then the clause for comprehensive coverage compels the insurance company to bear the expenses.</div>
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<li><b>Premium discounts</b></li>
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If you take multiple policies, then you also become entitled to discounts which please your pockets drastically. Remember that the snarling traffic of modern day comes with its share of accidents and injuries. Besides, there are hurricanes, earthquakes and other natural calamities to deal with. Not getting an auto insurance policy will be a very foolish decision. Good insurance companies offer excellent insurance rates and free automobile insurance quotes. So, plan accordingly!</div>
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<li><b>Covering bill expenses</b></li>
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The insurance policy also covers your bill amount in case your car suffers from a collision or an accident and gets damaged in the process. The insurance company bears the repair expenses in such cases.</div>
DaaF VPN - Unblocker Masterhttp://www.blogger.com/profile/07537015555500846959noreply@blogger.com8tag:blogger.com,1999:blog-1547590031793779765.post-38681493743562089512014-05-03T05:43:00.001+07:002014-05-03T05:43:15.886+07:00Contact MeYou can contact me via:<br />
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