Posted by denisecordle323 on January 24, 19113 at 00:38:17:
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With everything else on your mind, have you put your auto insurance on auto pilot? It's not your fault if you have -- lots of people do it. In fact, the insurance companies count on it. They make more money that way by raising your rates over time.But maybe it's time you review your policy and compare it with what else might be out there that can save you substantial amounts of money this coming year.Here are 10 tips that can help you make an informed decision as to whether you are paying too much for auto insurance:Request higher deductibles.Your auto insurance deductible is the amount you agree to pay upfront before your insurance company pays its share to repair your damages. Inquire about increasing your deductible from, say, $200 to $500 -- you might be surprised at how much you can save every year. In some cases, you could save between 15-30% on the cost of your collision and comprehensive coverage. If you increase your deductible to $1,000, you may be able to cut it even further -- perhaps by as much as could decrease that cost by at least 40 percent, or more.Drop coverage you don't need. Do you drive an old beater? Consider dropping collision and/or comprehensive coverage altogether. Who needs to pay a premium that is higher than the actual value of the car to begin with? So go online and check out how much your car is actually worth. You can do this at Edmunds.com.Don't pay for double coverage for medical.If you're already covered with a decent health, life and/or disability insurance policy, just buy the the minimum personal injury protection that your state requires.Don't buy a car that thieves like to steal.It鈥檚 more expensive to insure a car that is popular with car thieves. You can check out the statistics for that at ConsumerAffairs.com. And while you're at it, don't buy a car that is expensive to repair.Drive less.Many insurance companies offer a 鈥渓ow-mileage discount鈥?to drivers who qualify. So if you can carpool to work, you might save on gas AND insurance. And not only that -- you'll sustain less wear and tear on your vehicle too. Lastly, many cities reserve an express lane on the freeway/interstate for carpoolers -- so you'll get to work faster, too. Call your insurer and find out whether you qualify.Safety features can save you money, too.Did you know that You can often get a discount if you own a car with automatic seat belts, anti-lock brakes and/or daytime running lights? Also, if you have an approved alarm system or other anti-theft device you can save money, too.Put your teenager on your policy.Don't put teens on their own policy -- it costs too much. And another thing about teens: if they keep decent grads and pass an approved drivers鈥?training course, you can get a reduced rate for that as well. Lastly, if your teen goes to college more than 100 miles from home, they can qualify for further discounts -- if they leave their car at home.Put all your family's vehicles with one insurance carrier. Many insurance companies will be happy to take your premiums for more than one car at a time. And not only that -- if you buy homeowner's and/or life insurance too, you'll save even more.Ask this simple question: "What other discounts should I know about?"If you鈥檙e older than 50 and/or retired, you might qualify for a discount through organizations like AARP; if you have no accidents or points on your record, you could qualify for a safe-driver discount; and/or if you鈥檙e a longtime customer with your carrier, you could save some money that way.Reconsider before paying extra for roadside assistance.Here's the thing: getting towed might actually increase your premium and/or affect your eligibility for coverage. And adding insult to injury -- you might have had coverage through your credit card. Check it out. Sometimes having roadside assistance through an independent company might be the best deal of all.ConclusionSo there you have it -- lots of ways to save on your auto insurance. Pick up the phone and check it out. After all, who wouldn't like to have an extra few hundred (or thousand) dollars to save or spend?
Credit cards are one of the most useful tools in today's world. With a credit card, you can purchase anything you want without actually carrying any money at all. A credit card works like a loan. Once you purchased an item using your credit card, you will automatically agree to pay the loan once the billing statement arrives.However, aside from the fact that credit cards can offer you a lot of advantages, you should be aware that credit cards also have some disadvantages. People who own credit cards tend to uncontrollably purchase items they don't really need. Besides, with a credit card, you can really purchase a lot of things without having any money at all. With this feature, people tend to purchase items more than they can afford.With this kind of spending, many people get into credit card debt that will seem very hard to pay off. Every month that you don't pay the bill on time, you will see that the interest rate will rise and you will eventually end up paying more for the interest rate rather than the debt.One way to pay off your credit card debt is through 0% APR credit cards. This kind of credit card started out as a marketing gimmick in the US. But today, it is now considered as part of the credit card industry. 0% APR credit card plays a very important role to help people get out of debt or at least reduce it.First of all, you need to know what a 0% APR credit card is. APR is short for Annual Percentage Rate. APR is a reflection of the cost of credit. Therefore, a low or 0% APR is better than standard APR that you will usually see in credit cards today.0% APR credit cards are very useful if you know how to handle it. This kind of credit card is usually used by people who want to reduce or end their credit card debt, if you have a credit card debt that seems hard or impossible to pay off. For example, if you are 10,000 dollars in debt and you have an APR of 20%, you will end up paying 2,000 dollars in interest payments. With a 0% APR credit card, you can use those 2,000 dollars to reduce your credit card debt instead of paying it for the interest alone.Now that you see the benefits of a 0% APR credit card, it will truly be wise if you transfer you credit card balance to this kind of credit card. Once you transfer it, you can pay off your debt much more easily.However, you should keep in mind that a 0% APR credit card is usually only an introductory offer by credit card companies to attract new cardholders. Usually, the 0% APR offer will only last for a minimum of six months to a maximum of one year, depending on the introductory offer.You should choose a 0% APR credit card that offers a longer introductory period for you to be able to pay off your debt effectively. Also, you should keep in mind that you should keep an eye on the expiration date of the introductory offer in order to avoid a high APR after the 0% APR introductory offer is over.These are the benefits and the things you should remember when getting a 0% APR credit card.
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What would you think about receiving satellite TV from stations all over the world on your home PC? There are literally thousands of them broadcasting over the internet 24 hours a day. You can get them on your home PC and I am going to show you how to get them now.Receiving satellite TV on your home computer is less expensive than other ways. There are thousands of channels available from all over the world. What would you think of watching football or baseball games that are blacked out in your area, on your home PC?Your local cable and/or your telephone company may have broadband available in your area. Receiving the channels in the best possible way requires a broadband connection. A lot of bandwidth is required to transmit TV channels over the internet.Watching or surfing TV channels from over 3000 different stations from all over the world 24 hours a day is amazing.You never know what kind of programming you will find. It may be sports of all kinds, movies, news, local interest and a whole lot more. The thing is, it is really simple to do, once you have the software. You can get it now and be surfing within minutes.Satellite TV for your home PC is as simple as downloading some software, available from a number of companies, and running it. Many companies sell satellite TV software, but some are better than others. The software that is thought of as the very best, I have added a link to it at the end of this article.The processor in your computer and the amount of memory you have will determine your satellite TV experience, the faster the better. Your computer, broadband and software is all that you need to receive thousand of channels from all over the world. If your computers video card has an s-video output, you can hook it up to your television.This is all that you need to know to get satellite TV on your PC.Here is the software link referred to in the article. http://www.pc-satellitetv.com
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