tag:blogger.com,1999:blog-54910256428451823842024-03-14T22:01:11.982-07:00All type of insurance policy news, rules, latest informationDefinition of insurance: Risk-transfer mechanism that ensures full or partial financial compensation for the loss or damage caused by event(s) beyond the control of the insured party. Under an insurance contract, all type of insurance policy and solution news, rules, latest informatin take from this siteKhondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.comBlogger144125tag:blogger.com,1999:blog-5491025642845182384.post-51586822377583006002015-06-09T09:23:00.004-07:002024-01-18T09:01:57.008-08:00Car Hire United States with Traffic Information<div class="MsoNormal">
<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">General Information<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">United States can be
considered many destinations in just one. Its large size and geographic
diversity make this country know to become an adventure. Whatever the type of
tourism they want to do, the United States has a tourist offer to suit you:
from active nature tourism and adventure tourism and shopping city. For the
visitor the United States is now more than ever the land of opportunity. His
endless possibilities will always leave you wanting more. Cross its vast
territory with a rental car in United States.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Requirements<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Although US law sets the
minimum age for car rental in 21 years, you can rent a car from destinations in
some 18 years. Age may vary according to destination due to the laws of each
state. In most cases, drivers under 25 must pay an additional fee for novice
drivers considered. The international driving license is required to drive a
rental car in the United States.</span></span></div><div class="MsoNormal"><span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;"> </span></span></div><div class="MsoNormal"><span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;"><script async="" crossorigin="anonymous" src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-9168181791794761"></script>
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<span style="font-family: arial;"><img alt="Car Hire United States with Traffic Information" border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEnchZPLesRDkmmiEyYa1CJ_wUY1ec8vW_YgvlSP_0powP145Dedz3Hwr97XHutDKXM6WHEg_iaR8sYjazFL1kC9dQ6iQhHD6PqSDvMs02J7bdQRb4TVmuWMQ6DaX6o4sh4w4IgRUnK6FZ/s640/Car+Hire+United+States+Traffic+Information.jpg" title="Car Hire United States with Traffic Information" width="640" /></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Speed Limits<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">In the US, speed limits
are set by each state. That's why the limits vary from state to state. In
general terms can be established as follows:<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">in town between 24 and
72km / h (15-45 mph)<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Road: 89-121 km / h (55-75
mph)<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">highway: 89-129 km / h
(55-80 mph)<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Traffic rules<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">In the US you drive on the
right. Distances are measured in miles. The use of seat belts is compulsory and
the use of child seats in the case of traveling with children. It is imperative
that tourists driving a rental car carry throughout the trip: the lease, car
papers, driving license and passport in order.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Gas Stations<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">In the US you drive on the
right. Distances are measured in miles. The use of seat belts is compulsory and
the use of child seats in the case of traveling with children. It is imperative
that tourists driving a rental car carry throughout the trip: the lease, car
papers, driving license and passport in order.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Tolls<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">The United States has an
extensive network of roads linking the whole country. Some of the major
highways are toll roads. Its English name is? Turnpikes? although most are
free.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Park<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Never park in front of
curbs yellow as they indicate emergency exits and must therefore be kept free
of vehicles. Regulated prices or parking can be high in big cities like New
York.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Insurance Information<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">General information<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Insurance for rental cars
vary greatly from country to country. Therefore, we recommend that you
carefully read the information we offer before making your reservation. The
rules of the country where the vehicle lease will prevail as long as the rent.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">All our car hire rates
include fire insurance and third party insurance and insurance against damage
and theft. Note that some credit cards include in their travel insurance
benefits that cover damage to rental cars. All information about your booking
and contract insurance for your rental car can find in your confirmation
voucher once the reservation is made.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Restrictions<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">General Information<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">It is allowed to travel
from one state to another without any additional charge. Most rental companies
allow travel to Canada without having to pay extra fee. According to the rental
company, you may travel to Mexico and the State of Alaska. In the latter case,
you are only allowed to drive on paved roads and highways. Those showing damage
vehicles driving on unpaved roads, the insurance will not cover damage them.
Before starting your trip, find out about the conditions of his rent a car in
United States.<o:p></o:p></span></span></div><span style="font-family: arial;">
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</span><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-9168181791794761"
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;"><b>One-Way Rental</b><o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><br /></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">In most cases it is
mandatory to return the rental car in the same place where it was collected. In
some cases it is possible to collect your car in Los Angeles and return to San
Francisco without having to pay an additional charge. Also within the State of
Florida it is possible to collect and return the rental car in different
locations without paying any charge.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">International One-Way car
(pick up the car in one country and return it to another) is not allowed.<o:p></o:p></span></span></div><span style="font-family: arial;">
</span>Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com16tag:blogger.com,1999:blog-5491025642845182384.post-66532382035033190862015-06-09T09:03:00.002-07:002024-01-18T09:04:33.436-08:00How to crossing the border with the United States and Canada?<div class="MsoNormal">
<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">After several years in and
out of the United States and Canada with the van, you end up realizing a number
of details that can simplify the tedious border crossing. It will always be
annoying, but if you follow these simple rules, the possibility of a bad
experience is much smaller.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">These tips apply to all,
but especially for those traveling on four wheels, van, road, car or limousine.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Note that immigration
agents are human beings who are led by their impressions to guess your
intentions. Did you ever see the TV series Lie to me? Well, I'm sure they did
not see, she studied.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Take your vehicle ordered.
If you go to check your vehicle and find that is full of clutter, you may do so
completely empty. That's what happened to Zulema a grandmother Argentina a few
years ago made the trip to Alaska with her dog. She wore so much in its road it
was not possible to check what was behind the first line of boxes. I still
remember their obscenities online.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><a href="http://worldinsuranceinfo.com/category/other-types-of-insurance/"><img alt="How to crossing the border with the United States and Canada?" border="0" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVCtDU54dft6tNqWsAthcMNA8Mk7yUuMO-kx1hxx8PCfcatpTV1ZNIREU7elOsrHptAdP-l9VyN2b7maopSJ0A7Zobp4q7wlm0G72a0t87BA1EEfO6g5THdxpbL3Wh2ZJwtB6_8S7C4hRs/s640/How+to+crossing+the+border+with+the+United+States+and+Canada.jpg" title="How to crossing the border with the United States and Canada?" width="640" /></a></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">He speaks English. No
matter that the identification of the agent who serves you say Lopez, Martinez
or last name. As far as possible into the country must speak the local
language. Especially in the United States and Canada.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Do not be sympathetic, or
funny, or friend. Do not try to befriend the customs inspector or immigration
officer. First, because they already have their own friends. Second, because
even though we think the world should not have borders, they take their work
seriously. And your job is to keep the borders of their country. You can only
loosen the formal rictus if they start an informal conversation. They are
human, and you may like to travel.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">The first or second
question is usually 'what comes to making our country?' Or 'where are you
going?'. It's your chance to make clear that X months or years you're traveling
and your intention is to make tourism, know your country, get to Alaska ago.
Pick out all 10 spots for those who are spending and the reciting. Nor will
pass the line and give them a lesson in geography.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Always have on hand a
direction in the United States or Canada. No matter you do not know the person
who lives there, for them is an important box to be filled. In addition, an
address in the United States will help you get insurance for your vehicle.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Immigration agents and
bloody / fussy customs are beginners and those who were born in another
country, who immigrated to the United States or Canada and got their citizenship
after many years of work. Of course there are many white but, if you follow the
three previous recommendations and crosses for an important step, usually arise
less doubt that Latinos (we touched on entering the first time in Canada),
Filipinos (the second) and Pakistan (third between Point Roberts and Vancouver,
British Columbia).<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Never question his orders.
If you say that you park in a certain place, you do not ask. If they ask you to
open a door, you open that door. If you ask what's in a box, you tell them
what's in the box. Carefully read the signs around you, in some places you have
to stay in your vehicle or stop in a line or particular orientation. Do not
draw more attention than necessary.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><br /></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">If you have a passport
which does not need a prior approval, do not forget to fill out the ESTA
online. It is a form where you give all your data before traveling to the
United States. A few months ago Anna renewed his passport in Spain and should
have returned to complete the form before entering the United States. But he
did not. Fortunately the immigration officer had a good day and allowed him to
fill in the ESTA on the land border with Canada.<o:p></o:p></span></span></div><span style="font-family: arial;">
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<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">The final visa you would
get at the border, beyond which you have brought the visa in your home country
or you do not need a prior visa. The agent who serves you at the border is the
one who has the last word. Be kind and patient. Impatience border does not get
you anywhere.<o:p></o:p></span></span></div><span style="font-family: arial;">
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</span><div class="MsoNormal">
<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">If you are traveling,
always carry documents confirming your story. May be the address of a website
or blog where you counting your trip as you go, a relatively current summary of
money you have in your bank or your insurance valid for travel US or Canada
vehicle. It helps to have names of cities, countries, flags and maps on the
outside of your vehicle.<o:p></o:p></span></span></div><span style="font-family: arial;">
</span><div class="MsoNormal">
<span style="font-family: arial;"><br /></span></div><span style="font-family: arial;">
</span><div class="MsoNormal">
<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Not seen as a tramp. I
know the clothes we use is part of our personality, but it is important to be
clean, that does not smell bad.</span></span></div><div class="MsoNormal"><span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;"> </span></span></div><div class="MsoNormal"><span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;"><o:p></o:p></span></span></div><span style="font-family: arial;">
</span><div class="MsoNormal">
<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Always try to crossimportant steps. On the border between the US and Mexico are accustomed to
travelers but not so between the United States and Canada. There are small
steps, almost neighborhood, where ever you want to look suspicious to cross
there. Remember that good border agents are important steps, and the wicked
fools and are inexperienced in the secondary steps. If you have everything in
order, these are the ones you can create problems.<o:p></o:p></span></span></div><span style="font-family: arial;">
</span><div class="MsoNormal">
<span style="font-family: arial;"><br /></span></div><span style="font-family: arial;">
<br />
</span><div class="MsoNormal">
<span style="font-family: arial;"><span face="Arial, sans-serif" style="font-size: 12pt; line-height: 107%;">Now prepare your best
poker face and good route. United States and Canada are full of amazing places
worth visiting. Another tip? Forget about the cities purchase the annual pass
to national parks and jumps National Park National Park without paying
entrance.<o:p></o:p></span></span></div><span style="font-family: arial;">
</span>Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com2tag:blogger.com,1999:blog-5491025642845182384.post-8600333126716952632015-06-09T08:49:00.002-07:002015-06-09T08:49:39.652-07:00What do you need to drive in Canada?<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Canada has a great highway
system that connects the majority of the population.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">To drive a motor vehicle
in Canadian highways, you need a valid driver's license, a vehicle that can be
bought, rented, imported, etc. Here you will learn the basic regulations on the
regulation in Canada.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiM8kYUIoK1gJbN86j7ELErG7Qc0c3rvuj-pte1H6X2SzxYlnqkjNNroOtlG5NFdEKoTa5llKn2DEP9YcaLmI0LW-2MUsdKzyMyB58AtXqtjUkopG_dREfScTSsJY2iyPYZAxR3y_yAtAV_/s1600/What+do+you+need+to+drive+in+Canada.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="What do you need to drive in Canada?" border="0" height="476" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiM8kYUIoK1gJbN86j7ELErG7Qc0c3rvuj-pte1H6X2SzxYlnqkjNNroOtlG5NFdEKoTa5llKn2DEP9YcaLmI0LW-2MUsdKzyMyB58AtXqtjUkopG_dREfScTSsJY2iyPYZAxR3y_yAtAV_/s640/What+do+you+need+to+drive+in+Canada.jpg" title="What do you need to drive in Canada?" width="640" /></a></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Driving license (Driver's
License)<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;"><a href="http://worldinsuranceinfo.com/category/car-insurance/">An international
driving license</a> acquired in a foreign country can be used to drive in
Canada. If you are spending under a year in Canada, international driving
license will suffice. If you want to establish your permanent residence in
Canada or you plan to stay for several years, you need to get a Canadian
driver's license.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">The rules for obtaining a
driver's license vary in the provinces. In most provinces, there is a licensing
system graduation Graduated Licensing System, where 3 tests to be performed
within a period of time (usually two years) to obtain 3 levels of license are
taught completely in order to qualify for the privilege of driving. For
example, in Ontario they are G1, G2 and G3 levels for automobile drivers. G1 is
the written test, G2 is the 15 minute test (about) on city streets and G is the
final test on the city streets, highways, lasting about 45 minutes. There is a
time limit during which a full G license must be obtained. In Ontario they are
five years (this may vary in other provinces). For any level of license, you
must go to the Ministry of Transport of the province.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">If you come from the
United States of America USA and possess a driver's license (no minors) for a
period of two years, you may be eligible to swap your USA license poe a
Canadian. Note that in this case, you must surrender your American license for
the Canadian.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">If you come from another
country, you may be automatically eligible for a G1 or G2 license depending on
the policy of the Ministry of Transport. In Ontario, contact the Ministry of
Transportation Ontario for more information.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Cars, Cars, Automobiles<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Canada is a large country,
so residential and commercial areas tend to be spread out over vast distances.
For many areas outside the city center, you're likely to need a car to travel
to and from wherever you want to go. Before you buy or lease a car, you should
consider other transportation options and evaluate your budget to determine how
much you can spend.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Buy or sell<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">There are different
options for buying a car: new, used, for cash or lease with option to purchase
leased. You can buy it from a private seller, a dealer, an auction, or a
company that is selling the vehicles in its fleet. To purchase a new car, go to
a major dealer (such as VW, Toyota, Acura, GM) to find the car you like, you
should negotiate the price, buy then register it. Usually, the dealer makes
recording and sends you the car for a sum of money (around C $ 1,000 -
expensive, considering that you can collect and record yourself). You can pay
cash, get finance, lease or rent to own lease buy-back (a form of rental that
allows the lessee purchase the car by a predetermined value after the contract
expires). Dealers offer flexible financing terms for the purchase of new
vehicles. Recent college graduates can get discounts from C $ 500 and more for
purchase, if the seller has a Graduate Discount Program.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">If you want a used car,
you can buy it from a private individual and save some tax. In Ontario, sales
tax on private vehicles is 8%; and 15% in auto sales. However, you should
probably make a cash payment to a particular vendor, so no financing options.
You can obtain financing most used car dealers (but be careful because interest
rates can be very high). Local banks also offer loans for the purchase of
vehicles and interest rates tend to be better than you will get from a dealer.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">To register your vehicle
you have a buyer, you need the following:<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Driver license<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Emissions test. Emission
Test (Drive Clean in Ontario)<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Security Certificate.
Safety Certificate (confirming the operating status of the car and its ability
to be driven)<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Ownership document signed,
dated and with all the information filled in the Information Package Ontario
Used Vehicle Used Vehicle Information Package (required only in private sales)<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Valid insurance for the
vehicle register<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Sales Tax (8% of sales
particularly in Ontario)<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Vehicle plates. License
Plates<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Validation Sticker
(available for periods of 1 and 2 years in Ontario)<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Most dealer’s complete the
registration process in full for a sum of money.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Rental<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Sometimes renting a car is
an option worth considering. There are several national car rental companies
with a wide variety of cars. There are also local rental companies that are
generally cheaper, but have older vehicles.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">If you decide to rent, be
sure to inspect the vehicle for damage before renting. Check the mileage
corresponds to what the contract says. Buy insurance. Driving a rental car
without insurance places the burden of liability on the lessor.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Importing a car<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">If you want to import a
car, the first thing you should do is contact the Ministry of Transport in the
province to see whether the vehicle can be imported into Canada under the
current transportation regulations. In Ontario, visit the Ministry of Transportation
website to find out more about importing regulations. In short, if you want a
car Canadian Importer, it must be a certain age, and must comply with the
Canadian safety standard transport. You must pay import taxes in addition to
federal and provincial tax sale.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<iframe width="320" height="266" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/5F_2fmVS94Q/0.jpg" src="https://www.youtube.com/embed/5F_2fmVS94Q?feature=player_embedded" frameborder="0" allowfullscreen></iframe></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;"><a href="http://worldinsuranceinfo.com/">Insurance / Insurance</a><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Under the Traffic Act,
insurance is mandatory for all vehicles. Not having insurance is punishable by
strict monetary fines. For example, in Ontario, driving a vehicle without
insurance may result in a fine of C $ 5,000 for the first offense and more for
a second or third offense.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">The insurance can be
purchased from a number of insurance agents. Some financial and other
institutions also offer insurance plans. Many employers have group insurance
plans for their employees. For foreigners, it is usually more expensive to buy
insurance because they have insurance history with a Canadian insurance
company. Sometimes the letters confirming that the foreigner had car insurance
in the country of origin can help save money when obtaining insurance in
Canada, however, this practice varies among insurers.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Maximum alcohol levels<o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 107%;">Drinking and Conducer is a
very serious offense in Canada. Each province has different levels of blood
alcohol permitted in drivers. If you get caught driving over those levels, you
could end up in jail!. Check with each provincial authorities or with the
Canadian Auto Club of your preference (e.g. www.caa.ca) to find out about legal
maximum alcohol levels are in the blood while driving. It is best to only take
soft drinks or soda if you're driving!<o:p></o:p></span></div>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com4tag:blogger.com,1999:blog-5491025642845182384.post-65265456950938145172015-06-09T08:27:00.004-07:002015-06-09T08:33:15.609-07:00Advice to rent a car in USA and NY<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">If you travel to New York because I tell you to rent a
car to stay in Manhattan is a mistake. Yet I'm sure many of you are thinking of
leaving the city and explore other areas near New York (in the state,
Connecticut, Boston, Philadelphia, see the Amish, etc.) If this is the case,
you It can be very helpful to rent a car and moved away freely. Similarly, all
the advice I will give you can be useful to rent a car in other parts of the
United States, since in many cases it is <a href="http://worldinsuranceinfo.com/category/other-types-of-insurance/">essential to have one.</a><o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">First of all, and from our personal experience traveling
a lot and renting cars in New York and the United States, our company of
reference is Avis. Multiple times we have rented with them, the process has
been transparent, we have rapidly delivered the car and there has been no
problem; the cars were perfectly and the only time we had an incident on the
road, they sent a new car without question. It is true that we now work with
them, but if we accept it was because we had previously gone very well and we
always like to recommend that we use.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">If you want to start before you can read our road trip in
the northeastern coast of the United States!<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">States Road Trip<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOTpSoPR5JWm5C1Bh6glYarE6oRpjsxqieAWZB7QMJbU_NzXFVQ4pq8xw77V-GkG30MmKRtlK1t2hZK8SNDIsEANlOiPX0jii838Ut405RfmzlPl8onH_2-JuYUucax4SE6lZ3HIAKXTo4/s1600/Advice+to+rent+a+car+in+USA+and+NY.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Advice to rent a car in USA and NY" border="0" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOTpSoPR5JWm5C1Bh6glYarE6oRpjsxqieAWZB7QMJbU_NzXFVQ4pq8xw77V-GkG30MmKRtlK1t2hZK8SNDIsEANlOiPX0jii838Ut405RfmzlPl8onH_2-JuYUucax4SE6lZ3HIAKXTo4/s640/Advice+to+rent+a+car+in+USA+and+NY.jpg" title="Advice to rent a car in USA and NY" width="640" /></a></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">What documents need to rent a car in United States?
Generally you will not need more than a driver's license from your country and
a credit card. No need to get you out international license, but surely you
would have him greater security. With Avis you need a credit card and your
original driver's license. Generally you must be between 25 and 71 years,
although paying an extra you can sometimes compensate for this.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">How can you reserve your car? The easiest and best deals
where you can find is doing it through the web. You can also call us up and we
did it through Twitter.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">Who can drive the rental car? May only drive the car
rented those who have registered as drivers. This issue is taken very seriously
here when damages and insurance, so do not risk. But only one of the drivers
must present a credit card.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">What takes the rental car insurance and what warranties
cover? One of the most important issues. In New York by default, all the cars
must carry liability insurance that is not charged separately. In the rest of
the state cannot have any insurance? Our advice is that you look good before
renting the conditions and if you can, that your credit card carries an
embedded secure. With this theme you not play in the United States.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">How does the issue of gasoline work? Give it back with
the same amount you've caught. Usually next to the collection offices usually a
gas station.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">Where I can drive the rental car? When you rent a car in
United States you must ensure that you have allowed to leave the state where
you rent. With Avis you can drive your car across the United States and Canada.
Furthermore you do not have to select the same office pickup and delivery,
something great for the theme of the great US routes.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;">How are the cars available in the United States? I think
this is one of the things I love about America: a small car is a midsize car in
almost any other country. Therefore, price of small cars you take some </span><span style="line-height: 17.1200008392334px;">mid range</span><span style="font-size: 12pt; line-height: 107%;">. Of course, most cars are automatic transmission, which is quite
common in the United States.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen="" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/xZplcXlghyA/0.jpg" frameborder="0" height="266" src="https://www.youtube.com/embed/xZplcXlghyA?feature=player_embedded" width="320"></iframe></div>
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;"><br /></span></div>
<br />
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 107%;"><a href="http://worldinsuranceinfo.com/">Where I can travel from New York by car?</a> There are many
destinations that travel from Manhattan if you have a car. The state of New
York itself has stunning locations (the vineyards of Long Island, Upstate
autumn, beautiful villages). Then there are the fall and as you get to Canada.
In Connecticut and Massachusetts you will vibrate with the feel of New England.
Cities like Boston, Lexington and many more are worth visiting. New Jersey is
for those who love nature. Washington DC and Pennsylvania are a few kilometers
away and offer a multitude of things to do. And if you have more time Maine,
Maryland and many other states will be delighted.<o:p></o:p></span></div>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com1tag:blogger.com,1999:blog-5491025642845182384.post-28244868544148134552015-06-09T08:07:00.000-07:002015-06-09T08:07:03.997-07:00Tips for traveling by car and driving in United States<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">America is a
country that is designed for automobile use, so that when, for example, ask
yourself a tourist trip along the west coast, certainly the best option is to
rent a car to head towards the different views that you're going to do.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Then I'll
give you <a href="http://worldinsuranceinfo.com/category/car-insurance/">some
useful tips</a> for your journey to the United States.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">1. Driving
on a journey across America presents no difficulty. In all major routes have
long highways with many lanes, which lets you scroll (if you need it ...)
quickly between different cities.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Highway
between Los Angeles and Las Vegas<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">2. When
there is no highway and you have to take a state highway, usually in excellent
condition, with soft paths and wide curves, making it easier overtaking and
foster safe driving.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">On mountain
roads, such as the Yosemite National Park in California, roads, with logical
areas curves, also you find pretty good condition.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUqf6nih76COjz2U460FkhNcH9EHv9-2N-X3fMfI4TEBztufSQQxqFbKDmkqqhjxMKNsxY8t9-xBCpKJ3U4Z65oY7zNtVGzGf_DZ0A2Fkty1_foN41jFozd3iajjn8QqUew2wedw_-lIJq/s1600/Tips+for+traveling+by+car+and+driving+in+United+States.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Tips for traveling by car and driving in United States" border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUqf6nih76COjz2U460FkhNcH9EHv9-2N-X3fMfI4TEBztufSQQxqFbKDmkqqhjxMKNsxY8t9-xBCpKJ3U4Z65oY7zNtVGzGf_DZ0A2Fkty1_foN41jFozd3iajjn8QqUew2wedw_-lIJq/s320/Tips+for+traveling+by+car+and+driving+in+United+States.jpg" title="Tips for traveling by car and driving in United States" width="320" /></a></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">3. On
motorways there are often a lot of traffic, especially in coastal areas running
along both the east coast and in the west. But they have so many lanes wide, it
is difficult to find yourself jams.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"> 4.
Yes, the traffic jams are inevitable in the vicinity of large cities and
especially in dates of holidays and peak times. In any case, we find much more
traffic on the highways of the East Coast, for example, between New York and
Washington, that the West Coast.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">5. Eye to
speed limits ... will see that everybody respects you, so that you will be
driving on a highway with many lanes very common ... and all cars at the same
rate in different lanes.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Speed
limits vary by roads and highways, so look carefully in each case what is the
limit. It is usual limit of 60 miles per hour.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><a href="http://worldinsuranceinfo.com/">Highway Lancaster County Amish in
Pennsylvania</a><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">6. You will
be surprised to find you on the highway trucks circulating in the left lane at
a speed contained and not moving in any case the right lanes. You will have to
overtake on the right.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">7. During
your trip on the highways in the United States will find many areas with all
kinds of services: gas stations, motels several different chains, several fast
food restaurants ... In short, you will have no problem when you need to refuel
the car, eating, or choose where to sleep.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">However, it
is not the same when you drive on the roads inside the West Coast, visiting
national parks of Utah and Arizona. Service areas distancing between 50 and 70
kilometers, so you must plan well your needs.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">8. The
highway and road signage is usually excellent, making it easy to locate the
places they want to visit. However, around the big cities you have to be very
attentive to the signs because there is usually a very complex conglomerate of
highways.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">9. When
access to a major city in your rental car, you must have much attention, but it
is not difficult to reach your destination in cities like San Francisco, Los
Angeles and Washington. Apart is the case of Los Angeles, an incredibly large
city where it is not so easy to navigate and move around it.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<iframe width="320" height="266" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/cdgQpa1pUUE/0.jpg" src="https://www.youtube.com/embed/cdgQpa1pUUE?feature=player_embedded" frameborder="0" allowfullscreen></iframe></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
</div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Consequently,
the use of a GPS device can be highly recommended. If you do not have it, you
can rent by the car.<o:p></o:p></span></div>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com4tag:blogger.com,1999:blog-5491025642845182384.post-41533830502501652732015-06-09T07:40:00.002-07:002015-06-09T07:40:22.090-07:00How to hire the best travel insurance to United States<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Many
travelers when traveling to the United States decides not to hire travel
insurance to simple ignorance United States last Christmas and I was one of
them. We had planned a trip of 11 days in New York and Chicago and maybe by the
inertia of the tranquility of our social security in Spain or the European
Health Card that protects us from Europe, completely ignored the urgent need to
take out insurance Yankee land trip before visiting.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAE-V8A1SBfjftGOM8Db5RN7xgU1aYruuAmNX_eO10vIr5BCtWzrCvBA0GwP2sLH0rt8ccNJ0jPN6_grxDzTFldYzJqiEzeCILQE6Pr_TIeVdxbWTgb7QW5gxjWmMHZYpxNDW4k6bPovKE/s1600/How+to+hire+the+best+travel+insurance+to+United+States.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How to hire the best travel insurance to United States" border="0" height="199" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAE-V8A1SBfjftGOM8Db5RN7xgU1aYruuAmNX_eO10vIr5BCtWzrCvBA0GwP2sLH0rt8ccNJ0jPN6_grxDzTFldYzJqiEzeCILQE6Pr_TIeVdxbWTgb7QW5gxjWmMHZYpxNDW4k6bPovKE/s320/How+to+hire+the+best+travel+insurance+to+United+States.jpg" title="How to hire the best travel insurance to United States" width="320" /></a></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">But
fortunately, a few days before, talking to my friend Ignacio, he left the issue
of travel insurance for the United States under a resounding and forceful
"will you take insurance does not?" To which I replied with
"neither is 100% required no ? ". He told me that, while he was in
America during his world tour, a small bastard mosquito bit him on the ankle
causing infection aura. In view of the situation, obviously she decided to go
to the doctor. A brief consultation: diagnosis, pomaded, a bandage and disinfectant
and wing, pa home. Well, "home country" but not before checking out.
And therein lies the issue. Do not forget that US healthcare is not free and
that visit so absurd was charged a whopping € 700. Lucky I had insurance. I
happen to me something and not only just doing the dishes average hospital but
I think that would end the Jamaican hospitalized I carry me. As you can see,
after this or hire one thought me before you go.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">According to
the Office of Research and Quality medical care, medical consultation in the US
it comes to cost an average of $ 155 while going to the emergency room doctor
you can go for about $ 1000. Crazy.<o:p></o:p></span></div>
<div class="MsoNormal">
<b><span style="font-size: 12.0pt; line-height: 107%;">Who hire <a href="http://worldinsuranceinfo.com/travel-insurance-for-around-the-world/">travel insurance</a> to United
States?<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">After grieves
moment, I obviously started looking for travel insurance and ask for the US
like crazy and after contrast and compare insurance Ampere, Axe, Underworld,
IATI, etc. ... I opted for the latter for the following reasons:<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Easy to hire
about drawing insurance on your website<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Super low
price<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">In an
emergency you have a number 24h to collect. It would be a bitch who put me bad
and above paying a conference.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">When it
comes to pay for the consultation is they who put the pasta. You do not have to
anticipate anything. This most insurers do not.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Recommendation
loads of friends and fellow bloggers RTW (Round the World)<o:p></o:p></span></div>
<div class="MsoNormal">
<b><span style="font-size: 12.0pt; line-height: 107%;">How much does the insurance for
America?<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Your
insurance rates will vary depending on the days you stay in the US. Here I
leave a little board with prices that would cost you to hire a travel insurance
to United States for one person. The amounts have gathered at the prices
directly from the web of IATI<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Security
Type / Days 4 days 5 days 6 days 7 days 8 days 9 days 10 days<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">IATI Basic €
18.28 € 22.88 € 28.13 € 29.13 € 29.20 € 31.44 € 33.47<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Cancellation
IATI Standard + € 29.98 € 29.98 € 29.98 € 29.98 € 34.40 € 38.91 € 52.60<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">IATI
Estrella € 42.65 € 42.65 € 42.65 € 42.65 € 48.00 € 53.35 € 70.37<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Cancellation
IATI Star + € 44.91 € 44.91 € 44.91 € 44.91 € 50.55 € 56.19 € 73.89<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">But which
one to catch? It all depends on your budget and what you want to spend on
toppings but if you notice, according to the number of days may be able to get
better interest insurance coverages little more pasta.<o:p></o:p></span></div>
<div class="MsoNormal">
<b><span style="font-size: 12.0pt; line-height: 107%;">What coverage includes every type of
insurance?<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Medical /
type coverage Basic + <a href="http://worldinsuranceinfo.com/">Basic Insurance</a> + Cancellation Star<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Foreign
Medical Assistance € 15,000 € 30,000 € 60,000 € 60,000<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Medical
Assistance Spain € 1,000 € 2,500 € 900 € 900<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Dental
expenses € 30 € 100 150 € 150 €<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Cancellation
fees - € 1,500 - € 2,000<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Personal
liability € 30,000 € 60,000 € 60,000 € 60,000<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Theft and
damage to luggage € 300 € 600 € 900 € 900<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Defense
foreign criminal liability € 3,000 € 3,000 € 3,000 € 3,000<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Warranty
accident disability € 6,000 € 6,000 € 18,000 € 18,000<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Guarantee
death accidents in public transport € 6,000 - - -<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Claims for
damages abroad - € 2,000 € 3,000 € 3,000<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Warranty
accident death - € 2,000 € 4,000 € 4,000<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Repatriation
and transportation, sick / deceased 100% 100% 100% 100%<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Moving a
family 100% 100% 100% 100%<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Stay abroad
costs € 420 € 750 € 1,000 € 1,000<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Early return
for hospitalization or death in the family 100% 100% 100% 100%<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Sending
medicines abroad no existing 100% - - -<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Search and
locate luggage 100% 100% 100% 100%<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Advance of
funds € 1,500 € 1,000 € 1,500 € 1,500<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Sending lost
or stolen - 60 € 120 € 120 €<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">-5% Discount
if you sign up from here!<o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<iframe width="320" height="266" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/cBmqdyKI4Qs/0.jpg" src="https://www.youtube.com/embed/cBmqdyKI4Qs?feature=player_embedded" frameborder="0" allowfullscreen></iframe></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
</div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">Fortunately
during my trip to the United States I did not have to use the safe but given
the ease and price got with them and recommending my other fellow travelers
that if they had to use their services, I recommended them to stop on the blog
and I talked to them for my blog readers obtain a small discount of 5% when
buying insurance here.<o:p></o:p></span></div>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com24tag:blogger.com,1999:blog-5491025642845182384.post-14267128039414524842015-03-23T11:51:00.002-07:002015-05-16T09:29:46.711-07:00The Society of Motor Manufacturers and Traders (SMMT) has launched a campaign to publicise the latest range of super-clean Euro 6 diesels<span style="font-family: Verdana,sans-serif;">
The Society of Motor Manufacturers and Traders (SMMT) has launched a
campaign to publicize the latest range of super-clean Euro 6 diesels.
This is to counter growing anti-diesel rhetoric in recent months,
something the car industry body describes as “misguided”.</span>
<span style="font-family: Verdana,sans-serif;"><br />
All new-to-market diesel cars meet Euro 6 emissions standards, and
every single diesel car on sale will have to meet them by law from 1
September 2015.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<br />
<h3>
<span style="font-family: Verdana,sans-serif;">
Has the recent demonstration of diesel been fair?</span></h3>
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The SMMT’s pro-diesel campaign, backed by CEOs from BMW UK, Ford of
Britain, Jaguar Land Rover and Volkswagen, has been launched to
“challenge the increasing demonetization of diesel”.</span>
<span style="font-family: Verdana,sans-serif;"><br />
The organization has found that almost 9 in 10 UK adults are unaware of
Euro 6 emissions standards – but over half blamed cars and commercial
vehicles as the biggest cause of air pollution in the UK. This is
incorrect, said the SMMT: power stations are the country’s biggest
polluter, but less than 1 in 5 UK adults actually know that.</span>
<span style="font-family: Verdana,sans-serif;"><br />
It would take 42 million Euro 6 diesel cars – four times the number of
diesel cars on the road – to emit the same amount of harmful nitrogen
oxides (NOx) pollutants as one coal-fired power station; there are
currently 15 coal-fired power stations in the UK.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqT30KDSwi-cHc-0t4xj5La4vrdlRgNrkHRvaX_DNpqcGwzRiZx_REel7pNDUWz4DXi81y7_v_aSPMqEUgoivNQO1ATrPd-STAhxilWrL-Ug8x-_PAoEZnJWJPxAuL1Mr9JysWnXaTFx3s/s1600/Car+insurance3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Society of Motor Manufacturers and Traders (SMMT) has launched a campaign to publicise the latest range of super-clean Euro 6 diesels" border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqT30KDSwi-cHc-0t4xj5La4vrdlRgNrkHRvaX_DNpqcGwzRiZx_REel7pNDUWz4DXi81y7_v_aSPMqEUgoivNQO1ATrPd-STAhxilWrL-Ug8x-_PAoEZnJWJPxAuL1Mr9JysWnXaTFx3s/s400/Car+insurance3.jpg" title="The Society of Motor Manufacturers and Traders (SMMT) has launched a campaign to publicise the latest range of super-clean Euro 6 diesels" width="400" /></a></div>
<br />
<span style="font-family: Verdana,sans-serif;">
</span>
<br />
<h3>
<span style="font-family: Verdana,sans-serif;">
But exactly what is a Euro 6 diesel?</span></h3>
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
In brief, it is a car that meets super-strict emissions regulations that came into force in September 2014.</span>
<span style="font-family: Verdana,sans-serif;"><br />
The outgoing exhaust emissions standard is called Euro 5, which became
mandatory in 2011 for the sale of all new cars. Euro 6 standards are the
next progression of this, and all new cars sold from 1 September 2015
must meet them.</span>
<span style="font-family: Verdana,sans-serif;"><br />
There are already thousands of Euro 6-compliant cars in use on British
roads; from September, every new car from the 2.3 million sold in
Britain each year will become compliant – and as diesel accounts for
around half the new car market, the environmental benefits are set to
spread rapidly.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<br />
<h3>
<span style="font-family: Verdana,sans-serif;">
Why are Euro 6 diesels such a step on?</span></h3>
<span style="font-family: Verdana,sans-serif;">
Meeting Euro 6 emissions regulations is, with a few exceptions,
relatively straightforward for petrol engines. For diesel cars though,
it is much more challenging.<br />
<br />
Euro 5 regulations clamped down on exhaust particulates, which mean
many new diesel models are fitted with standard exhaust particulate
filters (particulates is less of an issue for petrol cars). This time,
Euro 6 regulations are targeting a reduction in NOx, because they are a
significant greenhouse gas and air pollutant.<br />
<br />
Indeed, the greenhouse gas effect of nitrogen oxides itself is hundreds
of times greater than carbon dioxide: it is the fourth largest
contributor to greenhouse gas global warming.<br />
<br />
The cut is large: a Euro 6 diesel car must emit more than 50 per cent
less nitrogen oxides than a Euro 5 diesel. The cap is 80 mg/km, compared
to a 180 mg/km allowance for Euro 5 diesels. The reduction from Euro 4
to Euro 5 was 20 per cent, showing how severe the reduction demanded by
Euro 6 is.<br />
<br />
Back in 2000, the nitrogen oxides limit was 500 mg/km, illustrating how large the reduction has been.<br />
<br />
Local air pollution is also being tackled by Euro 6 standards with a
cap on emissions of hydrocarbons and nitrogen oxides from diesel cars.
These are limited to 170 mg/km, compared to 230mg/km with the current
Euro 5 regulations.<br />
<br />
This is why Euro 6 regulations are so significant. Diesel engines
naturally produce higher levels of nitrogen oxides than petrol cars.
Euro 5 was a daunting target for diesel engines to meet, but Euro 6 is
perhaps even more challenging.<br />
<br />
To meet them, car manufacturers are having to invest in yet more new
diesel engine filtration technology to clean up exhaust emissions. One
example of this is Selective Catalytic Reduction, which stores emissions
and then ‘selectively’ heats up to regenerate and neutralise the
emissions. Another alternative is a fuel-borne urea solution (commonly
known as ‘AdBlue’) which breaks down emissions in the exhaust.<br />
<br />
Both ‘NOx filter’ solutions are costly. Diesel cars are already more
expensive than comparable petrol models because of the costly exhaust
after-treatment they require, and this will add to the price premium.</span><br />
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<br />
Euro 6 emissions compliance will increasingly become a selling point
over the next year or so, as the Euro 6 regulations become mandatory.
What is not yet fully clear is how much it may add to the list price of
diesel cars. The challenge for car manufacturers right now is to ensure
it is kept as manageable as possible.<br />
<br />
RAC chief engineer David Bizley said: “Diesel engines are generally
more efficient than their petrol equivalent, though the gap is closing.
The selection of diesel vehicles by an increasing proportion of new car
buyers in recent years has made a significant contribution to reducing
carbon dioxide emissions and has also reduced fuel bills for their
drivers.<br />
<br />
"There is evidence that the previous generation of diesel emission
standards (Euro 4 and 5) that have applied to new vehicles purchased
since 2006 have not delivered all of the reduction in emissions of
nitrogen dioxide and have not been as great as forecast because the
internationally agreed tests that the vehicles have to pass have not
adequately reflected real world driving.<br />
<br />
"These testing procedures are being addressed by the international
standards community and there are no reasons to believe that the
reductions in oxides of nitrogen associated with the new Euro 6 standard
for diesel vehicles, which will apply to all new diesel vehicles from
this September, will not be delivered.<br />
<br />
“However, it would be wrong to penalize motorists retrospectively for choosing a diesel vehicle when they believed it to be the best choice
from an environmental perspective because of its low carbon dioxide
emissions. Motorists should therefore continue to select the vehicle
type that best fits with their needs.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.blogger.com/video.g?token=AD6v5dyurRyP-OpdDPD7OdrzVqMMgT_aW2lJBWR-L4OVtVfyi24qYgut5EQ7iXByEzXLVMBhWqHn565qtye65MzWkQ' class='b-hbp-video b-uploaded' frameborder='0'></iframe>Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com4tag:blogger.com,1999:blog-5491025642845182384.post-54387458565055548352015-03-23T11:46:00.002-07:002015-05-16T09:36:49.842-07:00New drug-driving laws come into force in March 2015 (INSURANCE RELATED)<h3>
<span style="font-family: Verdana,sans-serif;">Prescribed drugs included on the list of banned substances in new drug-driving laws.</span></h3>
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
As of 2nd March 2015 new laws mean motorists who drive whilst under the influence of drugs face stiffer penalties.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Under the new system, it is illegal to drive if you’re either unfit to
do so because you’re on legal or illegal drugs, or if you have certain
levels of certain drugs in your blood. Crucially, this includes some
prescription drugs, even if they haven’t affected your driving.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The new law does not just affect those under the influence of illegal
drugs, it also could lead to seemingly innocent drivers who are taking
drugs for a medical condition being prosecuted.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>What prescribed drugs are included under the new laws?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The list of drugs includes certain medicines that are sometimes abused, such as medicines to treat:</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<ul>
<li><span style="font-family: Verdana,sans-serif;">
extreme pain (morphine, diamorphine, ketamine)</span></li>
<li><span style="font-family: Verdana,sans-serif;">
anxiety or inability to sleep (diazepam, clonazepam, lorazepam, oxazepam, temazepam)</span></li>
<li><span style="font-family: Verdana,sans-serif;">
drug addiction (methadone)</span></li>
<li><span style="font-family: Verdana,sans-serif;">
attention deficit hyperactivity disorder (amphetamine)</span></li>
<li><span style="font-family: Verdana,sans-serif;">
multiple sclerosis (nabiximols)</span></li>
</ul>
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Anyone found guilty of driving with any of these medicines above the
limits in their bodies could be found guilty of breaking the law.
However, if you’re taking the drugs according to the advice given and
your driving is not impaired, you are not guilty of breaking the new
laws.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
See the final list of all the drugs and their limits below.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKkesz7Lj9UHTZaakgvbRVbwsdPj-exD552vryoEiuwkX2_eqGwKO4faISTfnIFUy6HEpW9yYhTRgqBmSReUgB-Ee7FqvrI8yJZMZMcrokeXZ-gwi7uEdQRTjQEYBLO8AB3sF_rhhf2PjR/s1600/Car.insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="New drug-driving laws come into force in March 2015 (INSURANCE RELATED)" border="0" height="275" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKkesz7Lj9UHTZaakgvbRVbwsdPj-exD552vryoEiuwkX2_eqGwKO4faISTfnIFUy6HEpW9yYhTRgqBmSReUgB-Ee7FqvrI8yJZMZMcrokeXZ-gwi7uEdQRTjQEYBLO8AB3sF_rhhf2PjR/s400/Car.insurance.jpg" title="New drug-driving laws come into force in March 2015 (INSURANCE RELATED)" width="400" /></a></div>
<br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>What are the penalties for drug-driving?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Under the crackdown, the Government has introduced a series of tougher punishments, including:</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<ul>
<li><span style="font-family: Verdana,sans-serif;">
a minimum one-year driving ban</span></li>
<li><span style="font-family: Verdana,sans-serif;">
a fine of up to £5,000</span></li>
<li><span style="font-family: Verdana,sans-serif;">
up to one year in prison</span></li>
<li><span style="font-family: Verdana,sans-serif;">
a criminal record</span></li>
<li><span style="font-family: Verdana,sans-serif;">
a driving license endorsement that lasts for 11 years</span></li>
<li><span style="font-family: Verdana,sans-serif;">
a prison sentence of 14 years if found guilty of causing death by dangerous driving whilst under the influence of drugs</span></li>
</ul>
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
To enforce the new drug-driving laws, the police will carry new
detection equipment which will test if a driver has taken illegal drugs,
such as cocaine or cannabis. The roadside drugalyser will be used
alongside existing breathalyser equipment. It’s believed that
drug-driving accounts for around 200 deaths per year.</span><br />
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<span style="font-family: Verdana,sans-serif;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;">If you need Information about
Insurance, Please </span><a href="http://worldinsuranceinfo.com/"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;">follow links</span></a><span class="MsoHyperlink"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;"> </span></span><a href="http://goo.gl/Fkd6nL"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;">http://goo.gl/Fkd6nL</span></a><span style="mso-bidi-font-family: Arial;"> </span></span></div>
<span style="font-family: Verdana,sans-serif;">
<div class="MsoNormal">
<br /></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/accident-sickness-and-unemployment-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Accident, sickness, and
unemployment insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">
</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/auto-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Auto insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/burial-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Burial insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/car-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Car insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/gap-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Gap insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/health-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Health insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/liability-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Liability insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/life-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Life insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/other-types-of-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Other types of Insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/pet-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Pet Insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/property-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Property insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/travel-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Travel Insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/visitor-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Visitor Insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
</ul>
</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>What’s the RAC advice to drivers?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Our advice to motorists is to discuss any prescriptions with a doctor
to make sure they will not impair their driving. Motorists should
consult their doctor immediately if prescription drugs are affecting
their ability to drive. We also recommend keeping copies of their
prescriptions with them at all times.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Ignorance is not an excuse and it’s not worth the risk of a criminal
record or, worse still, putting your own life and the lives of other
motorists at risk.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The new drug-driving laws came into force on 2nd March 2015. More information can be found here: http://think.direct.gov.uk/drug-driving.html</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
RAC spokesman Simon Williams said: “The introduction of this new
offence sends out a clear message to users of banned substances that
driving while under the influence is not acceptable and can now be
detected with drugalyser devices. However, it has the potential to
affect hundreds of thousands of people who use certain drugs for
medicinal purposes.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
“Motorists should keep copies of their prescriptions on them at all
times, and discuss the effect of their medication with a doctor. They
should also consult the doctor if their prescription is impairing their
ability to drive. Even if drugs you are routinely taking have never
impaired your driving, if you’re over the new limit for a particular
drug and are caught, you will fall foul of the offence. So the message
is – don’t risk it, check it.”</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.blogger.com/video.g?token=AD6v5dxtuu8xwPfeawFwlfQT9mgGuk6UWcTZn-_NuULT5MyJSAUmA6SyvWbe-D7CY1J302_UUv6HDYNubQfnYF3c0Q' class='b-hbp-video b-uploaded' frameborder='0'></iframe></div>
<br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><br />
<table border="1" cellpadding="1" cellspacing="1" class="table" style="width: 500px;"><tbody>
<tr>
<td><span style="font-family: Verdana,sans-serif;"><b>The final list of drugs and their limits </b></span></td>
<td><table border="0" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td style="height: 11px;"><span style="font-family: Verdana,sans-serif;"><b>Threshold limit in blood </b></span></td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Benzoylecgonine</span></td>
<td><span style="font-family: Verdana,sans-serif;">
50μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Clonazepam</span></td>
<td><span style="font-family: Verdana,sans-serif;">
50μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Cocaine</span></td>
<td><span style="font-family: Verdana,sans-serif;">
10μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Delta – 9 – Tetrahydrocannabinol (Cannabis & Cannabinol)</span></td>
<td><span style="font-family: Verdana,sans-serif;">
2μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Diazepam</span></td>
<td><span style="font-family: Verdana,sans-serif;">
550μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Flunitrazepam</span></td>
<td><span style="font-family: Verdana,sans-serif;">
300μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Ketamine</span></td>
<td><span style="font-family: Verdana,sans-serif;">
20μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Lorazepam</span></td>
<td><span style="font-family: Verdana,sans-serif;">
100μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Lysergic Acid Diethylamide (LSD)</span></td>
<td><span style="font-family: Verdana,sans-serif;">
1μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Methadone</span></td>
<td><span style="font-family: Verdana,sans-serif;">
500μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Methylamphetamine</span></td>
<td><span style="font-family: Verdana,sans-serif;">
10μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Methylenedioxymethaphetamine (MDMA – Ecstasy)</span></td>
<td><span style="font-family: Verdana,sans-serif;">
10μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
6-Monoacetylmorphine (6-MAM – Heroin & Morphine)</span></td>
<td><span style="font-family: Verdana,sans-serif;">
5μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Morphine</span></td>
<td><span style="font-family: Verdana,sans-serif;">
80μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Oxazepam</span></td>
<td><span style="font-family: Verdana,sans-serif;">
300μg/L</span></td>
</tr>
<tr>
<td><span style="font-family: Verdana,sans-serif;">
Temazepam</span></td>
<td><span style="font-family: Verdana,sans-serif;">
1,000μg/L</span></td></tr>
</tbody></table>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com2tag:blogger.com,1999:blog-5491025642845182384.post-29650841092354341522015-03-23T11:41:00.002-07:002015-05-16T09:46:28.488-07:00The UK paper driving licence is being abolished. How will the changes affect you? <span style="font-family: Verdana,sans-serif;">
From June 2015, the counterpart to the photocard driving licence is being abolished. Here’s what you need to know.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
From 8th June 2015, you’ll no longer need to worry about the scruffy
part of your driving licence. That’s because the DVLA is abolishing the
counterpart to the photocard driving licence, as the Government
continues its quest to digitise 25 public services.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
But how does this affect you? Read on to find out more about the changes to the driving licence.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhD4JmVnaNeYRB61yCsde_B7iZJceIguX4afq9yONTN5pzQxtfn4Bmbz9d2vq-AefPT8YM8LJunhl_JYUMDtzkJoAaO8vd6fVJUTt9GeFMjsvHPqW0oNqejPsefjRztqHIGRWL3NaGEm1Y5/s1600/Car.insurance1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The UK paper driving licence is being abolished. How will the changes affect you? " border="0" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhD4JmVnaNeYRB61yCsde_B7iZJceIguX4afq9yONTN5pzQxtfn4Bmbz9d2vq-AefPT8YM8LJunhl_JYUMDtzkJoAaO8vd6fVJUTt9GeFMjsvHPqW0oNqejPsefjRztqHIGRWL3NaGEm1Y5/s400/Car.insurance1.jpg" title="The UK paper driving licence is being abolished. How will the changes affect you? " width="400" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>Why did we need a counterpart to the photo card driving licence?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The counterpart was introduced in 1998 to display driving licence
details that could not be included on the photo card. These details
include current endorsements or penalty points and any provisional
driving entitlement categories.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Historically, if the counterpart needed updating, say for example, to
add or remove penalty points, it would need to be sent to the DVLA,
which would send a new one back to you in the post.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>So why is the counterpart section being abolished?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The counterpart to the photocard driving licence is being abolished as
part of the Government’s ‘Red Tape Challenge’ consultation on road
transportation. By shifting the operations of its motoring agencies
online, the Government hopes to save an estimated £8 billion, whilst
simplifying its services.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>How will the new system work?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The existing photocard driving licence will remain in use, with the
records previously shown on the counterpart moved online. This
information will be made available to organizations and businesses who
need to view it, such as employers and car hire companies.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The data will only be made available to those who have a right to see
it and with the prior knowledge of the driving licence holder. Any
penalty points will automatically be added to the licence and removed
again when they expire.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>What should I do with my counterpart?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Nothing yet, but after 8th June 2015, the counterpart will no longer
have any legal status and can therefore be destroyed. However, paper
driving licences issued before the photocard was introduced in 1998 will
remain valid and should not be destroyed.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The next time you need to update your name, address or to renew your licence, you will be issued with a photocard only.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>Can you check your driving licence details online?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
It is now possible to view your driving licence details online at www.gov.uk/view-driving-licence.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
They can do this at any time, it’s free and easy to use and available
24/7. Through this service drivers can check what type of vehicles they
can drive and any endorsements they may have.</span><br />
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<span style="font-family: Verdana,sans-serif;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;">If you need Information about
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<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/accident-sickness-and-unemployment-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Accident, sickness, and
unemployment insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">
</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/auto-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Auto insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/burial-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Burial insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/car-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Car insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/gap-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Gap insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/health-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Health insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/liability-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Liability insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/life-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Life insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/other-types-of-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Other types of Insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/pet-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Pet Insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/property-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Property insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/travel-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Travel Insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/visitor-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Visitor Insurance</span></a><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> </span></li>
</ul>
</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>What information is currently available through View Driving Licence?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<ul>
<li><span style="font-family: Verdana,sans-serif;">
Personal details – name, address and date of birth and gender</span></li>
<li><span style="font-family: Verdana,sans-serif;">
Licence status (provisional, full, revoked or disqualified)</span></li>
<li><span style="font-family: Verdana,sans-serif;">
Licence expiry date</span></li>
<li><span style="font-family: Verdana,sans-serif;">
Licence issue number</span></li>
<li><span style="font-family: Verdana,sans-serif;">
The vehicles they can drive (either with full entitlement or provisional)</span></li>
<li><span style="font-family: Verdana,sans-serif;">
Penalties and disqualifications</span></li>
</ul>
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>How does a driver access the service?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
To access the service the driving licence holder will need the following:</span><br />
<span style="font-family: Verdana,sans-serif;">
</span>
<ul>
<li><span style="font-family: Verdana,sans-serif;">
Driving Licence Number or personal details (full name, date of birth, gender)</span></li>
<li><span style="font-family: Verdana,sans-serif;">
Postcode</span></li>
<li><span style="font-family: Verdana,sans-serif;">
National Insurance number</span></li>
</ul>
<span style="font-family: Verdana,sans-serif;">
</span>
<span style="font-family: Verdana,sans-serif;"><b>So is this good news for the UK motorist?</b></span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Having a single photocard driving license will undoubtedly make things easier, but there could be a financial benefit, too.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
The Association of British Insurers has said that, thanks to the new
digital system, motorists could see premiums falling by up to £15 a
year. That’s because under the present system, insurers cannot check license details when they sell a policy, meaning they have to include an
element of risk in the premium.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Under the new system, insurers will be able to check the details in
real-time, meaning honest drivers could see a drop in the cost of their
annual policy.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
Remember to keep hold of your counterpart until 8th June 2015, at which
point it should be destroyed as long as you are a photocard driving license holder.</span><br />
<span style="font-family: Verdana,sans-serif;">
</span><span style="font-family: Verdana,sans-serif;">
RAC spokesman Simon Williams said: “Following on from the abolition of the tax disc on 1<sup>st</sup>
October 2014, the disappearance of the photocard driving licence
counterpart will mark another important step in the modernisation of the
UK’s driving licensing systems. Ultimately, this should make it easier
for motorists by dispensing with the need to post off the counterpart to
have it updated with new penalty points or a change of name or
address.”</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.blogger.com/video.g?token=AD6v5dzhogJrY9PYhmYmmwT9_2QNVN--PfJAB9CLKuf74OJnq-EPgcHp6Yq8VM0hlJCuLsibzXjqlpVh-FJPq57qPw' class='b-hbp-video b-uploaded' frameborder='0'></iframe></div>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-2741474904788661672015-02-05T10:01:00.002-08:002015-02-05T10:01:30.650-08:00The Best Renters Insurance for 2015<!--[if !mso]>
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mso-tstyle-rowband-size:0;
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<br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">I’m focusing
on the best renters insurance companies after sharing my take on the <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">best
home insurance companies</span> in a previous post. With the growing
popularity of renting, I conducted some additional research to determine which
companies are the best for renters.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">After
analyzing several national and local companies, <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">Allstate</span>
stands out as the best renters insurance provider.</span><br />
<span style="color: blue; font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin; mso-no-proof: yes; text-decoration: none; text-underline: none;"><span style="mso-ignore: vglayout;"></span></span><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">If you want
a free online quote, you can <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">get started right away</span>.
Continue reading and I’ll explain why you need renters insurance and discuss
the major components of a solid policy.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Here are the 4 best renters insurance providers on a national
level:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"></span><br />
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l5 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 13.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"><a data-gexlabel="ctainpost" href="http://thesimpledollar.linktrackr.com/bestrentersinsuranceallstate" target="_blank">Allstate</a></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l5 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 13.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"><a data-gexlabel="ctainpost" href="http://thesimpledollar.linktrackr.com/bestrentersinsurancenationwide" target="_blank">Nationwide</a></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l5 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 13.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"><a data-gexlabel="ctainpost" href="http://thesimpledollar.linktrackr.com/bestrentersinsurancelibertymutual" target="_blank">Liberty Mutual</a></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l5 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 13.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"><a data-gexlabel="ctainpost" href="http://thesimpledollar.linktrackr.com/bestrentersinsuranceamericanfamily" target="_blank">American Family</a></span></div>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Selecting
Allstate as the best ultimately boils down to three important factors:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l2 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Policy Management</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l2 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Coverage</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l2 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Cost</span></li>
</ul>
<h2>
<span id="who-needs-renters-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 20.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">Who Needs Renters Insurance?</span></span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">To put it
simply, if you’re currently renting an apartment or home, it’s in your best
interest to get a renters insurance policy. It’s easy to get a <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">free online quote</span>
and learn exactly what your rates will be. Once your policy is purchased, <strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">you then have the assurance of knowing your
possessions are protected.</span></strong></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Some people
mistakenly assume that a landlord’s home insurance policy includes coverage for
your personal property. In most cases, this is not true. Chances are, your
landlord’s policy does not cover your personal possessions.</span><br />
<h3>
<span id="college-students"><span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">College Students</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Needing
renters insurance as a college student depends primarily on where you live. If
you live in a dorm or a rental unit close to your college campus, there’s a
good chance you’ll be covered by your parent’s renters or homeowners insurance
policy (assuming of course they actually have one of these policies). The same
is not true if you rent a house or apartment off campus.</span><br />
<h4>
<span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; font-style: normal; line-height: 107%; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 11.0pt; mso-bidi-font-style: italic; mso-hansi-theme-font: minor-latin;">College Student
Living in a Dorm</span></h4>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Many home or
renters policies limit your coverage as a college student to 10% of your
parent’s personal property coverage. To give you an example of how this might
work, if your parents have $100,000 of personal property coverage, as an
eligible college student you could receive 10% ($10,000) of coverage for your
possessions. The exact percentage you’re eligible for varies from policy to
policy, so be sure to verify with your parents before you assume you’re
covered.</span><br />
<h4>
<span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; font-style: normal; line-height: 107%; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 11.0pt; mso-bidi-font-style: italic; mso-hansi-theme-font: minor-latin;">College Student
Living Off Campus</span></h4>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">If you rent
a house or apartment off campus, get your own policy. The best thing to do is
start with a free quote and go from there. <strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">As a college student, you might not think your belongings have a
lot of value, but just the cost of your computer, cell phone, books, and
clothes can quickly add up.</span></strong></span><br />
<h3>
<span id="young-professionals"><span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Young Professionals</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">You may’ve
been able to get through college using a couch you found on the street, but<br />
chances are you’ve made some improvements to your standard of living. Maybe you
bought a new TV, overhauled your furniture, or upgraded your electronic
devices. Along with these improvements, you’ve probably moved into a nicer
apartment. According to research conducted by the <a href="http://www.nmhc.org/Content.cfm?ItemNumber=55508" target="_blank"><span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">National
Multifamily Housing Council</span></a>, <strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">roughly
one-third of apartments in the U.S. are rented by someone under 30 years old.</span></strong></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Although
it’s not legally required, many property management companies that manage
multiple complexes in big cities make renters coverage compulsory. Whether it’s
a requirement of your rental agreement, or you’re just taking the initiative,
protecting your new investments with a renters policy is a wise move.</span><br />
<h3>
<span id="grandparents"><span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Grandparents</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">If you have
a grandparent that rents a home or apartment, you should check in with them to
make sure they have some protection. Many seniors are retired and living on a
very fixed income. If a major incident were to occur, it could be especially
tough for them to get back on their feet.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Older adults
also have valuable jewelry or family heirlooms they have collected over the
years. Some of these items may have more sentimental value than anything else,
but it’s still worth it to protect these items with a basic policy.</span><br />
<h2>
<span id="choosing-the-best-renters-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 20.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">Choosing the Best Renters Insurance</span></span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">All of the
best insurance companies provide a similar set of basic coverage options.
Knowing that you can get the basics covered, factors like price and the ease of
policy management start to take on more importance. The following sections dig
deeper into these topics and illustrate why <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">Allstate</span>
comes out on top.</span><br />
<h3>
<span id="policy-management"><span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Policy Management</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Managing
your renters policy really starts with determining how much coverage you need.
This is an important part of the purchasing process that you need to get right.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">You don’t
want to overestimate your coverage level and pay for insurance you don’t need.
But you also don’t want to underestimate and end up in a bad place if you have
a major loss.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Many of the
best insurance companies provide access to a simple calculator to help you
estimate the cost of your possessions. But the online tools provided by
Allstate are a step above what much of the competition has to offer.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">To begin
with, Allstate’s <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">What’s Your Stuff Worth?</span> tool
walks you through several categories like clothing, electronics, hobbies,
office and living, kitchen, and more. As you progress through each category,
the tool shows you images of common items and enables you to specify how many
of each item you own.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">For example,
in the clothing section, you might specify that you have four pairs of shoes
and six pairs of pants. Meanwhile, a calculator in the lower right of the
screen keeps track of your running total.</span><br />
<h4>
<span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; font-style: normal; line-height: 107%; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 11.0pt; mso-bidi-font-style: italic; mso-hansi-theme-font: minor-latin;">Digital Locker Mobile
App</span></h4>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Allstate’s <a href="http://www.allstate.com/mobile/digital-locker.aspx" target="_blank"><span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">Digital
Locker app</span></a> includes several features that help you manage your
policy. Perhaps most useful, the app enables you to catalogue your possessions
with pictures. You use the app on your smartphone or tablet to take pictures of
all your possessions, assign values to each item, and upload the images to your
account.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Available on
Apple and Android platforms, the app also enables you to:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Organize your
possessions by room, category, or in lists.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Provide more accurate
estimates by using the Google or barcode search (especially helpful if
you’re uncertain of the value of an item).</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Take advantage of room
and category templates to help make sure you don’t overlook anything
important.</span></li>
</ul>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Using the
Digital Locker app makes it incredibly easy to keep your inventory current and
gives you the peace of mind of knowing that <strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">if you ever have to file a claim, all the information you need is
literally at your fingertips.</span></strong></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">With all the
tools and resources provided by <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">Allstate</span>,
managing your policy is a breeze.</span><br />
<h3>
<span id="coverage"><span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Coverage</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">In the
insurance world, a “peril” is a cause of loss. Most renters policies are listed
as “Named Peril” policies, meaning that your policy will identify exactly what
you’re insured against.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Some of the
most common perils include:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Theft</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Water Damage</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Vandalism</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Fire</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Smoke</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Lightning</span></li>
</ul>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">When you get
a quote, be certain to review the perils you’re protected against. If you live
in an area particularly susceptible to fire or lightning, verify that these
perils are listed in your policy.</span><br />
<h3>
<span id="types-of-coverage"><span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Types of coverage</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">All of the
best renters insurance companies provide access to four types of basic
coverage:</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Personal Property Coverage:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> This includes coverage for items
you use on a daily basis, like your clothing, appliances, and furniture, as
well as specialty items like your jewelry collection or musical equipment.
(You’ll want to look into extended coverage for really expensive items, but
more on this later).</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Liability Coverage:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> This portion of your policy
provides protection when you are legally liable for bodily injury or property
damage that occurred as a result of an accident or incident involving you or
another member of your household.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Medical Payments to Others:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Covers the medical costs for any
house guests that are injured at your residence, regardless of whether you are
liable or not. Medical payments could include things like x-rays, doctor’s
fees, or hospital stays. It’s important to note that medical payments
protection does not cover you or other members of the household.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Additional Living Expenses/Loss of Use:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Covers
additional living expenses if damage to your home or apartment is so severe
that you are temporarily displaced. This could include hotels, restaurants, or
other similar expenses. Your policy will specify how long you have access to
the coverage.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">Nationwide</span>
is one company that stands out for offering superior coverage options. In <a href="http://www.jdpower.com/consumer-ratings/insurance/ratings/909201676/2013-U.S.+Household+Insurance+and+Bundling+Study+%28Renters%29/index.htm?sortBy=Policy%20Offerings%20desc" target="_blank"><em><span style="color: blue; font-family: "Calibri",sans-serif; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-style: italic; mso-hansi-theme-font: minor-latin;">J.D. Power’s 2013 U.S. Household Insurance and
Bundling Study (Renters)</span></em></a>, Nationwide was one of only two
companies to be rated among the best in Policy Offerings.</span><br />
<h4>
<span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; font-style: normal; line-height: 107%; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 11.0pt; mso-bidi-font-style: italic; mso-hansi-theme-font: minor-latin;">Extended Coverage</span></h4>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">As alluded
to earlier, there are a few circumstances where additional renters coverage is
worth looking into. Extended coverage (also called a floater policy) is
appropriate if you have a particularly expensive piece of jewelry, a valuable
stamp collection, or other similar item that has especially high value.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Extended
coverage is offered by <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">Liberty Mutual</span>,
<span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">American Family</span>,
and other top insurance companies.</span><br />
<h3>
<span id="cost"><span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Cost</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Similar to
what I mentioned in my post about <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">home
insurance</span>, the best renters insurance carriers provide access to an <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">online quote tool</span>.
Getting a quote really is the only way you can see how much it will cost given
your unique circumstances. Many first-time purchasers are surprised at how
affordable renters insurance is. Past studies by the <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">Independent
Insurance Agents & Brokers of America</span> and <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">Trusted Choice Independent Insurance
Agents</span> indicate the average price for $30,000 of renters coverage
ranges from $12-$15 per month, while experts at the <span style="mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast;">National
Association of Insurance Commissioners</span> suggest you can expect to pay
$15-$30 for a policy depending on your level of coverage.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">I was
curious to see how these numbers held up and got quotes from three different
companies using the same renter profile. The quotes were generated for $30,000
worth of coverage, with replacement cost, for a rental unit just outside a
major U.S. city. Here’s what the monthly rates looked like:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">American Family: $11.50</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Allstate: $17</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Nationwide: $22.42</span></li>
</ul>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">These rates
are pretty close to what the studies and experts suggest, but rates always vary
based on your location.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">The bottom
line is that you can cover $30,000 worth of possessions for roughly the cost of
a large pizza.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">As you can
see, the difference in price between the providers will definitely add up over
time. If you’re looking for the cheapest renters insurance, the best thing to
do is to compare quotes from at least two providers.</span><br />
<h3>
<span id="discounts"><span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Discounts</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">All of the
best renters insurance companies offer discounts. The most common discounts
include:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Multi-Policy:</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you have
an auto insurance or other policy with the same company.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Claims-Free
Discount:</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you haven’t filed a claim over a certain period of
time.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Protective
Devices:</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you have fire or smoke detectors or a home security
system installed. Although there are not as many discount opportunities
when compared with home insurance, taking advantage of all available
discounts can result in big savings.</span></li>
</ul>
<h2>
<span id="factors-that-impact-renters-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 20.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">Factors That Impact Renters
Insurance</span></span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Similar to
home insurance, there are several factors that influence the cost of your
renters insurance premium.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Level of coverage:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> The level of coverage you choose
is one of the major factors that impacts the price on your renters premium. The
level of coverage you need is going to vary from person to person. The easiest
way to determine what you need is by using the estimation tools provided by
Allstate and other top companies.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Location:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> If you live in an area that has higher crime
rates or is more susceptible to wildfire, tornadoes, or other natural
disasters, you can expect to pay more for your policy.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Deductible:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> The deductible is the amount of
money you pay out of pocket before the insurance kicks in. The formula for
deductibles is pretty straightforward: a low deductible means higher premiums;
a high deductible means lower premiums. Again, you might be tempted to choose a
high deductible, but be sure to choose a level you can realistically meet.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Replacement cost vs. Actual cash value:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Most
providers give you the option to choose between replacement cost and the actual
cash value. If you choose replacement cost, you are covered for the actual cost
to replace the item that has been lost. If you select an actual cash value
policy, the insurance company covers what the item is worth at the time of the
loss. In other words, it would be the replacement cost minus depreciation.
Replacement cost is the more expensive alternative, but you won’t regret going
with this option if you ever have to file a claim.</span><br />
<h2>
<span id="is-renters-insurance-worth-it"><span style="font-family: "Calibri",sans-serif; font-size: 20.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">Is Renters Insurance Worth It?</span></span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">When you
live in an apartment building or a house with multiple units, it doesn’t matter
how careful you are — <strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">you are only
as safe as your most irresponsible neighbor.</span></strong></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">When you
actually sit back and crunch the numbers, the cost of replacing everything you
own can add up quick. This is exactly what makes finding the best renters
policy so important.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Renters
insurance is affordable, it’s easy to get, and has a huge upside. Choosing to
live without a policy may end up being a big financial mistake.</span><br />
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-3765653428132603162015-02-05T09:52:00.002-08:002015-02-05T09:52:59.837-08:00The Best Home Insurance for 2015<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
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<br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">If you’re
looking for the best home insurance, there are several national and local
insurance companies that will want your business. However, it’s hard to decide
which company to pick with so many choices. </span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Companies
like Amica Mutual stand out in customer surveys, but they aren’t available
everywhere. The best way to find fair rates on homeowners insurance is to get free online quotes
from a variety of companies.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">There’s more
to take into account than just price, but it’s a good starting point. I’ve
included a quote tool below so you can shop around right away. Enter your zip
code in the box and click “Get Quotes” and you’ll be presented with a list of
3-5 of the best homeowners insurance companies in your area. You can research
policies from each provider and determine which is the best fit for your home
and your budget.</span><br />
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</form>
<div class="MsoNormal">
<span style="font-size: 13.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;"><br />
The best home insurance companies will perform exceptionally well in three
critical categories:</span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Price</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Claims</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Coverage</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"></span></li>
</ul>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Although
Amica ranks highest in customer satisfaction by J.D. Power, companies like
State Farm, Liberty Mutual, and Allstate also rank well in these areas
and are worth considering.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">There are
many reputable national carriers offering similar types of coverage. To find
the ideal option for you, the best way to start is by getting an online quote
to get an idea of the average rates and companies offering insurance in your
location.</span><br />
<h2>
<span style="font-family: "Calibri",sans-serif; font-size: 20.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">Choosing the
Best Homeowners Insurance Company</span></h2>
<h3>
<span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Price</span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">In order to
get the most accurate estimate of what your homeowners insurance will cost, I
recommend utilizing the online quote tools found on the insurer’s website or
the comparison tool I included at the top.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">To give you
an idea of what insurance prices look like from some of the best insurance
providers, I got a quote for a home in a Chicago suburb. </span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">These are
the monthly quotes I received:</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Amica:
$75.33<br />
State Farm: $117.75<br />
Liberty Mutual: $129<br />
Farmers: $150</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Amica came out to be considerably cheaper than the next provider
in this scenario.</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Each
homeowners insurance company asks for slightly different information, but as I
went through each online tool I used the same profile with the following
characteristics:</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Location:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Address located in a Chicago suburb<br />
<strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Home Value:</span></strong>
$315,000<br />
<strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Deductible:</span></strong>
$1,000<br />
<strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Size:</span></strong> 1,900
square feet<br />
<strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Applicant Age:</span></strong> 40<br />
<strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Home Type:</span></strong> 1
story<br />
<strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Roof Type:</span></strong>
Asphalt shingle<br />
<strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Payment Terms:</span></strong>
Monthly</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">The great
thing about online tools is that you determine the exact type of coverage you
want, select the level of your deductible, and choose the payment terms. It
might take a little extra legwork, but online quote tools really do put the
power in your hands to find the cheapest policy.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Many online
tools, like the one provided by Liberty Mutual, enable you to modify the coverage levels
you select, so you can clearly see how changing one component directly impacts
the price of your policy. (For example, you could enter a low value for your
deductible, see what your rates look like, then enter a high value and see how
your rates changed.)</span><br />
<h4>
<span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; font-style: normal; line-height: 107%; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 11.0pt; mso-bidi-font-style: italic; mso-hansi-theme-font: minor-latin;">Homeowners Insurance
Discounts</span></h4>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">All of the
best homeowner’s insurance companies offer a variety of discounts. <strong><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">If you fail to take advantage of these
discounts, you’re just leaving money on the table.</span></strong> To give you
one example, if you took advantage of a multi-policy discount and bundled the
same State Farm home insurance policy quoted above with an auto insurance
policy, your monthly rate would drop from $117.75 to $76.50. That’s almost $500
in savings per year!</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">When it
comes to discounts, Liberty Mutual is one of the most competitive providers. </span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Some of
their discounts include:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Multiple-policy
Discount:</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you have an auto, life, or other type of insurance
policy with the same provider.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Protective
Device Discount</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you have a home security system, sprinkler systems,
fire alarms, or other security devices in your home.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Claim-Free
Discount:</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you haven’t filed a claim over a certain period of
time.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Exclusive
Group Savings</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you have membership or affiliation with certain
businesses or organizations. Liberty Mutual’s group
savings network includes more than 14,000 employers, alumni
associations, and professional associations.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Newly
Purchased Home:</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you recently purchased your home.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">New/Renovated
Home</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">
Available if you recently renovated your home.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Early
Shopper Discount:</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available if you request a quote before your current policy
expires.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 13.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Insured
to Value Discount:</span></strong><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"> Available when you insure up to 100% of the
cost to replace your home.</span></li>
</ul>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Take
advantage of Liberty Mutual’s discounts by completing an online quote on their website.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">The best
homeowner’s insurance companies offer a high number of discounts, helping you
keep your premium low. If you’re unhappy with your current policy or feel like
you’re paying too much, you can always get a quote with a new provider that
offers discounts that better match your profile.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Selecting an
insurance company that maps to your discount profile can result in major
savings.</span><br />
<h3>
<span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Factors that
influence home insurance</span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">There are
several factors that influence the cost of your homeowners insurance policy.
You won’t be able to change or control many of these factors. However,
identifying the characteristics you can modify and making the appropriate
adjustments can help you keep your rates low. The most common factors that
influence your homeowners insurance premium include:</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Home’s age and type of construction:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> If your home
is older, there’s a higher chance there will be problems with major components
like plumbing, electrical wiring, and HVAC systems. New homes are less
susceptible to these major problems.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Location:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> If you live in an area prone to natural
disasters, with a relatively high crime rate, or located far from emergency
services, expect to pay more for your policy.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Claims History:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> If you file several claims a
year, you are more likely to pay a higher premium.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Risk Factors:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> If your home has a swimming
pool, aggressive dog, trampoline, or other characteristic deemed risky, you’ll
likely pay a higher premium.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Credit Score:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Your credit score (whether good,
bad, or average) has an impact on the price of your policy.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Deductible:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> The level of deductible you
choose plays a role in the price of your coverage. If you choose a high
deductible, that means you have to pay more out of pocket if an incident does
occur. The trade-off is a lower premium. (As a side note, I recommend sticking
with a deductible you’re comfortable with. If your home is damaged, coming up
with $1,000 is probably manageable. Coming up with $2,500 or $5,000 is probably
going to be more difficult for most of us. Remember, your insurance won’t kick
in until the deductible is met.)</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Coverage Amount:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> The amount of coverage you
select will play a role in the price of your insurance.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">You can’t
control the location of your home, but you do have a say in whether you get a
trampoline or an aggressive dog.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">By choosing
to minimize the risks that are in your power to control, you’re helping keep
your premium low.</span><br />
<h3>
<span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Claims</span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">The
circumstances that surround filing a home insurance claim have the potential to
make the whole ordeal quite stressful. When your home has been damaged, the
last thing you want to do is go to battle with an insurance company that you’ve
been making payments to for the last several years.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Based on
data from studies conducted by <a href="http://www.jdpower.com/content/press-release/ffosyOe/j-d-power-2013-u-s-household-insurance-and-bundling-study-released-today.htm" target="_blank">J.D. Power and Associates</a> and <a href="http://www.consumerreports.org/cro/homeowners-insurance.htm" target="_blank">ConsumerReports.org</a>, when it comes to filing a claim there
is a clear distinction between the different insurance companies. The company
that excelled in both studies was Amica Mutual.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Amica is one
of only two companies to receive above average ratings in six different
categories in the <a href="http://www.jdpower.com/content/press-release/ffosyOe/j-d-power-2013-u-s-household-insurance-and-bundling-study-released-today.htm" target="_blank"><em><span style="color: blue; font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">J.D. Power 2013 U.S.
Household Insurance and Bundling Study</span></em></a>. These six categories
measure factors like Overall Satisfaction, Price, Policy Offerings, Claims, and
other characteristics fundamental to quality homeowners insurance.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Amica also
ranked at the top of Consumer Reports’ <a href="http://www.consumerreports.org/cro/homeowners-insurance.htm" target="_blank">homeowners insurance ratings</a>. This study measures existing
customers’ satisfaction with agent availability, the dollar estimate received
when damages occur, and timely payment by the insurer.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">In the event
that you do need to file a claim, it’s comforting to know you can easily
contact your agent, be treated fairly, and get the money you need to make
repairs quickly. Ranking exceptionally well in separate studies conducted by
two of the most reputable companies is a good indicator that Amica is doing
something right.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">(As a side
note, the other insurance provider that ranked well in both studies is USAA.
However, a major drawback of USAA is that membership is limited to those with
military affiliation. If you, your spouse, or one of your parents have served
in the military, USAA is definitely worth looking into.)</span><br />
<h3>
<span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Coverage</span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">The main
reason you buy an insurance policy is for the coverage it provides. State Farm
stands out for offering excellent coverage options, some of which include:</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Dwelling Coverage:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> The part of your policy that
helps pay to repair or rebuild your home if damage is the result of a covered
loss. Critical home components like plumbing, electrical wiring, or your HVAC
system fall into this category.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Liability Insurance:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Helps protect your assets and
cover costs associated with a lawsuit when you or a family member are
responsible for injuring another person, or if someone is injured on your
property. (For example, if your dog bites your neighbor.) It also provides
coverage if you or a family member causes damage to another person’s property.
$100,000 is a good benchmark for liability coverage, but this will vary
depending on the size of your home and the assets you need to protect.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Other Structures:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Covers the cost of repairing (or
rebuilding) detached garages, sheds, and other similar structures.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Personal Property Coverage:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Covers your clothing,
electronics, furniture, and other personal property that is damaged or
destroyed by a cause that is covered by your insurance. Most top insurance
companies provide checklists, personal property calculators, or other resources
to help you document your belongings. For example, Liberty Mutual provides a mobile app where you can upload pictures, receipts, and
more.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Loss of use:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> If your home is damaged to a
degree that you have to temporarily move out while it is being repaired, loss
of use will help pay your housing and living expenses.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Guest Medical Coverage:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"> Provides coverage for medical
bills and related expenses when someone is injured on your property, but they
do not want to sue you. $1,000 per person is a common level of coverage, though
some homeowners choose to take out an extension for added protection.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Most of the
top homeowners insurance carriers offer similar types of coverage. The best way
to find the right homeowners insurance package is by comparing rates and
coverage options through an online quote.</span><br />
<h3>
<span style="font-family: "Calibri",sans-serif; font-size: 15.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Additional
Protection</span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">In addition
to the basic coverage options listed above, the policies of each major company
include other types of coverage to complement the basic options outlined above.
For example, Allstate also offers optional coverage for identity theft
restoration, scheduled personal property, water backup, and more.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Most home
policies cover damage from wind and fire, but natural disasters like floods or
earthquakes almost always have to be added on as an additional policy option.
If you live in areas particularly susceptible to these threats, you should look
into the catastrophic coverage options offered by the provider before making a
purchase.</span><br />
<h2>
<span style="font-family: "Calibri",sans-serif; font-size: 20.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">Don’t Own a
Home?</span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Homeowners
insurance obviously won’t be of much interest to you if you don’t own a home.
If you’re currently renting or making the move soon, you won’t want to miss my
next article that discusses the best renters
insurance companies and shows you why one is better than the rest.</span><br />
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-78201804213559675532015-02-05T09:46:00.003-08:002015-02-05T09:46:33.231-08:00Why You Probably Don’t Need Rental-Car Insurance<em></em>
<br />
<div class="excerpt">
<div class="wp-caption aligncenter" id="attachment_32732" style="width: 650px;">
<img alt="driving a car" class="wp-image-32732 size-full" height="348" src="http://www.thesimpledollar.com/wp-content/uploads/2015/01/travel-rental-car.jpg" width="640" /><div class="wp-caption-text">
Before you hit the road in your rental car, check whether you really need that extra insurance. Photo: Aurelio Firmo</div>
</div>
Your bags are packed, you’ve found a sitter for the dog, and you’ve
suspended your newspaper subscription for a few days. That can only mean
one thing: You’re going on a trip.<br />
This year, consumers will take 1.6 billion leisure trips across the
United States, reports the U.S. Travel Association, a trade group.
Nearly eight in 10 travelers will go on their adventures by car, many of
them rented.<br />
Before drivers leave the rental-car lot, the salesperson will
pitch an optional collision damage waiver (CDW) or loss damage waiver
(LDW), which is the rental company’s version of car insurance (although
it only covers damages to the rental car and not personal injury).
Between the jargon and additional surcharges (what the heck is an energy
recovery fee?), things can get overwhelming in the few moments you have
to complete the paperwork.<br />
In fact, 42% of consumers are thoroughly confused about insurance
coverage when renting a car, reports the National Association of
Insurance Commissioners (NAIC). And to make sure they’re covered, 34%
will automatically shell out the extra cash “just in case.”<br />
So it’s no wonder that the $36.4 billion rental-car industry rakes in
the profit with its optional rental insurance, says IBISWorld, a market
research firm.<br />
But after spending an average of $66 per day for a car, reports AAA,
do consumers really need to pay an extra $5 to $20 per day for
rental-car insurance?<br />
If you paid for the car with a credit card, probably not.<br />
As a membership perk, many credit cards offer rental-car insurance,
such as collision damage and theft protection. But the coverage on these
cards is usually secondary insurance — so you’ll have to file a claim
with your primary car insurance company first — and will only cover
things like your deductible and towing charges, reports the Insurance
Information Institute.<br />
Nonetheless, about one in four consumers doesn’t have a clue whether
or not their credit card provides any type of coverage, adds NAIC.<br />
To inform drivers of their options, consumer website CardHub examined
four of the major credit card networks and their rental-car insurance
policies. In its “2014 Credit Card Auto Rental Insurance Report,” CardHub
found that while some offer better coverage than others, all
have limitations in their coverage — be it rental time limits or country
exclusions. Additionally, none of the card networks covers exotic,
expensive, or antique cars, trucks, vehicles with open beds, or
recreational vehicles.<br />
“So far, AmEx would be best,” says CardHub spokeswoman Jill
Gonzalez. American Express was rated No. 1 in CardHub’s study because it
offers the most comprehensive coverage, has insurance on all of its
cards, and its policy information was easily accessible. But it’s also
the only card that doesn’t offer coverage for popular SUVs, including
the Chevrolet Tahoe, Ford Expedition, Land Rover Range Rover, and
Lincoln Navigator.<br />
Here’s a snapshot of each credit card network’s coverage:<br />
<b>American Express: </b>All its cards offer insurance, and rental
coverage lasts up to 30 days. Towing charges, damage to tires and rims,
and accidents that occur on dirt and gravel roads are covered. The loss
of use of the car and insurance deductible are also covered. Some SUVs
and luxury vehicles, vans, and trucks aren’t covered.<br />
<b>Discover: </b>All its cards offer coverage, which lasts up to 31
days. Its policy covers towing fees, damage to tires and rims, and
accidents on dirt and gravel roads. But the loss of use on your auto
insurance isn’t covered. Luxury vehicles, vans, and trucks also aren’t
covered.<br />
<b>MasterCard: </b>Its insurance policy is limited to World
cardholders. Coverage lasts up to 15 days for World cards, and up to 31
days for World Elite cards. Towing and damage to tires and rims are
covered, as are accidents that occur on dirt and gravel roads that the
city routinely maintains. The loss of use and insurance deductible are
also covered. But luxury vehicles, vans, and trucks aren’t covered.<br />
<b>Visa: </b>Rental-car insurance benefits are offered to all
cardholders. Towing charges for the vehicle and the loss of use and
deductible on your auto insurance policy are covered. However, coverage
is limited to 15 days domestically, and accidents that occur on dirt and
gravel roads are not covered, and neither is damage to the tires and
rims of the vehicle. Luxury vehicles, vans, and trucks also aren’t
covered.<br />
<table>
<tbody>
<tr>
<td colspan="5">
<div style="text-align: center;">
<b>Comparison of Credit Card Rental-Car Insurance</b></div>
</td>
</tr>
<tr>
<td><br /></td>
<td>
<div style="text-align: center;">
<b>American Express</b></div>
</td>
<td style="text-align: center;"><b>Discover</b></td>
<td style="text-align: center;"><b>MasterCard</b></td>
<td>
<div style="text-align: center;">
<b>Visa</b></div>
</td>
</tr>
<tr>
<td>
<div style="text-align: center;">
<b>Card Type</b></div>
</td>
<td style="text-align: center;">All cards</td>
<td style="text-align: center;">All cards</td>
<td style="text-align: center;">World and World Elite cards</td>
<td>
<div style="text-align: center;">
All cards</div>
</td>
</tr>
<tr>
<td>
<div style="text-align: center;">
<b>Vehicles Excluded</b></div>
</td>
<td style="text-align: center;">Antique, exotic, or luxury vehicles,
vans, trucks, pickups, motorcycles, recreational or off-road vehicles,
and some popular SUVs</td>
<td style="text-align: center;">Antique, exotic or luxury vehicles, vans, trucks, pickups, motorcycles, recreational, or off-road vehicles</td>
<td style="text-align: center;">Antique, exotic or luxury vehicles, vans, trucks, pickups, motorcycles, recreational, or off-road vehicles</td>
<td>
<div style="text-align: center;">
Antique, exotic or luxury vehicles, vans, trucks, pickups, motorcycles, recreational, or off-road vehicles</div>
</td>
</tr>
<tr>
<td>
<div style="text-align: center;">
<b>Rental Coverage Duration</b></div>
</td>
<td style="text-align: center;">Up to 30 days</td>
<td style="text-align: center;">Up to 31 days</td>
<td style="text-align: center;">Up to 15 days for World cards; up to 31 days for World Elite cards</td>
<td style="text-align: center;">Up to 15 days for rentals in your country of residence; up to 31 days outside country of residence</td>
</tr>
<tr>
<td>
<div style="text-align: center;">
<b>Road Exclusions</b></div>
</td>
<td style="text-align: center;">Accidents occurring on dirt and gravel roads are covered</td>
<td style="text-align: center;">Accidents occurring on dirt and gravel roads are covered</td>
<td style="text-align: center;">Accidents occurring on dirt and gravel roads frequently maintained by municipality are covered</td>
<td>
<div style="text-align: center;">
Accidents occurring on dirt and gravel roads are NOT covered</div>
</td>
</tr>
<tr>
<td style="text-align: center;">
<div style="text-align: center;">
<b>Country Exclusions</b></div>
</td>
<td style="text-align: center;">Theft or damage in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand</td>
<td style="text-align: center;">Theft or damage in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand are NOT covered for the Escape card.<br />
There are no country exclusions for the rest of the cards.</td>
<td style="text-align: center;">Theft or damage in Israel, Jamaica, the
Republic of Ireland, or Northern Ireland are NOT covered for Standard,
Gold, and Platinum cards.<br />
The World cards do not have any country exclusions.</td>
<td style="text-align: center;">
<div style="text-align: center;">
Theft or damage in Israel, Jamaica, the Republic of Ireland, or Northern Ireland.</div>
</td>
</tr>
<tr>
<td>
<div style="text-align: center;">
<b>Loss of use of rental car</b></div>
</td>
<td style="text-align: center;">Yes</td>
<td style="text-align: center;">No</td>
<td style="text-align: center;">Yes</td>
<td style="text-align: center;">Yes</td>
</tr>
<tr>
<td style="text-align: center;">
<div style="text-align: center;">
<b>Deductible on your auto insurance</b></div>
</td>
<td style="text-align: center;">Yes</td>
<td style="text-align: center;">Yes</td>
<td style="text-align: center;">Yes</td>
<td>
<div style="text-align: center;">
Yes</div>
</td>
</tr>
<tr>
<td style="text-align: center;"><b>Towing Fees</b></td>
<td style="text-align: center;">Yes</td>
<td style="text-align: center;">Yes</td>
<td style="text-align: center;">Yes</td>
<td>
<div style="text-align: center;">
Yes</div>
</td>
</tr>
<tr>
<td>
<div style="text-align: center;">
<b>Damage to tires and rims</b></div>
</td>
<td style="text-align: center;">Yes</td>
<td style="text-align: center;">Yes</td>
<td style="text-align: center;">Yes</td>
<td>
<div style="text-align: center;">
No</div>
</td>
</tr>
<tr>
<td style="text-align: center;"><br /></td><td style="text-align: center;"><br /></td><td style="text-align: center;"><br /></td>
<td style="text-align: center;"><br /></td>
<td><br /></td>
</tr>
<tr>
<td colspan="5"><em><strong></strong><a href="http://www.cardhub.com/edu/rental-car-insurance-credit-card-study" target="_blank"></a></em><br /></td></tr>
</tbody></table>
<b>Confirm That You’re Covered
</b>Before you’re blindsided at a Hertz or Enterprise Rent-A-Car counter
about CDWs and the potential protection you may already have, you should
do your research. To qualify for a credit card’s supplemental
insurance, card issuers typically require that you’re the primary renter
of the car, that you pay for the car with the credit card that provides
the protection, and that you decline the rental company’s supplemental
insurance, or CDW/LDW.<br />
To know exactly what type of insurance benefits you have (and how to
use them) call the toll-free number on the back of your card. Then ask
them to send you their coverage information in writing so it’s easier to
resolve any disputes down the line.</div>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-43725606290624761912015-02-05T09:21:00.001-08:002015-02-05T09:21:29.888-08:00How to Get Cheap Life Insurance in USA<!--[if gte mso 9]><xml>
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<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Finding a
cheap life insurance policy that offers the right amount of coverage is at the
forefront of any first-time buyer’s mind. The same goes for someone who’s
simply looking for a better rate.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">If you want
to get the most affordable life insurance, there are several things you can do
to minimize costs. I have six tips to help you find cheap life insurance, which
I’ll be sharing with you in this article.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">It’s true
there are factors you have less control over when it comes to the cost of life
insurance, but there’s a lot within your control too.</span><br />
<h3>
<span id="here-are-the-2-basic-starting-points-for-getting-cheap-life-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Here are the
2 basic starting points for getting cheap life insurance:</span></span></h3>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 15.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Target a term life insurance policy.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 15.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;"><a href="http://www.thesimpledollar.com/life-insurance-quotes/">Get
quotes</a> from multiple providers.</span></div>
<h2>
<span id="6-tips-to-find-cheap-life-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 22.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">6 Tips to Find Cheap Life
Insurance</span></span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Life
insurance can be tricky to understand. Many companies analyze your health
differently and also calculate risk in slightly varying ways. Following these
steps is key to finding the cheapest life insurance for you.</span><br />
<h3>
<span id="tip-1-get-several-quotes"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Tip #1: Get several quotes</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">As with most
purchasing decisions, finding many options will give you an edge. Most people
don’t bother obtaining multiple quotes because it’s time-consuming. However,
using an <a href="http://www.thesimpledollar.com/life-insurance-quotes/">online
quote tool</a> is the quickest way to get quotes from several reputable
insurers at one time.</span><br />
<h3>
<span id="tip-2-avoid-riders-and-additional-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Tip #2:
Avoid riders and additional insurance</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">If your
bottom-line goal is to find the cheapest insurance possible, you’ll want to say
no to any add-on insurance or policy riders. Examples of add-ons include the
option to purchase child policies or more insurance at a future date without
going through the medical exam process again.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">You can
think of riders as à-la-carte options to supe up your policy. Riders can be
purchased to accelerate your death benefit and pay you out for medical expenses
if you have a terminal illness but haven’t passed away yet. Term conversion is
another rider that gives you the option to convert your term policy to a
permanent (whole life) policy.</span><br />
<em><span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-font-style: italic; mso-hansi-theme-font: minor-latin;">A caveat: Choose your
coverage wisely. If you need coverage for your kids, then it is OK to pay for
the extra coverage. Also, if you’re someone who is on the fence between term
and whole life coverage, the term conversion rider will give you that option
down the road for a few dollars per month.</span></em><span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">There is no
one-size-fits-all method to buying life insurance, but having as few riders as
possible will keep your rates low.</span><br />
<h3>
<span id="tip-3-say-no-to-one-company-local-agents"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Tip #3: Say no to one-company
local agents</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Experts are
available to help you through the process of purchasing life insurance, and
many of the largest insurance companies have their own networks of agents. If
you need the human touch, I would avoid one-company local agents because they
usually represent the interests of their own company, which essentially lowers
your options. If they happen to represent the cheapest and the best life
insurance company, that’s another story!</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">A good
strategy is to seek out a financial advisor, like Edward Jones, that covers
several different insurers. This way, your advisor will be more impartial even
though he or she has personal preferences.</span><br />
<h3>
<span id="tip-4-dont-wait"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Tip #4: Don’t wait</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Generally
speaking, the younger and healthier you are, the cheaper your insurance costs
will be. If you’re in your mid-20s and are thinking about lifestyle changes
like marriage and kids, it can pay off to buy a policy now rather than waiting.
The biggest reason is that you never really know how your health will change at
any time.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">As a summer
intern, I sold my future father-in-law a life insurance policy on his
19-year-old daughter. After that, she was diagnosed with a condition that would
prevent her from being insured today. Not waiting made all the difference.</span><br />
<h3>
<span id="tip-5-bundle-coverages-if-you-can"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Tip #5: Bundle coverages if you
can</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">One way to
receive discounts on your quoted life insurance rate is to bundle coverage with
your car, home, or other insurance. Large insurers like State Farm can be
fairly cheap life insurance providers because they give you the most options to
bundle.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">A good
strategy to maximize your bundled discounts is to review all of your insurance
at the same time and pick the company that can give you the best deal for
switching. This is more work in the short term, but can pay huge dividends in
the long run.</span><br />
<h3>
<span id="tip-6-check-the-financial-stability-of-the-insurer"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">Tip #6:
Check the financial stability of the insurer</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Cheap life
insurance can be a very bad deal if the insurer isn’t financially healthy enough
to pay out when the time comes. After you go through <a href="http://www.thesimpledollar.com/life-insurance-quotes/">online quotes</a>,
always check the financial reputation of the insurer so you don’t pay premiums
for years only to find out the company can’t pay out any claims.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">A.M. Best is
an insurance rating agency and provides up-to-date information on the financial
health of most life insurance companies. Use them to check on a company,
especially if you haven’t heard of them or if they’ve started operations within
the last 10 years.</span><br />
<h2>
<span id="why-is-term-life-insurance-the-cheapest"><span style="font-family: "Calibri",sans-serif; font-size: 22.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">Why is Term Life Insurance the
Cheapest?</span></span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">You
generally have two options for life insurance. There are various hybrids and
nuances, but a life insurance policy is usually either:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 15.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Term
life insurance</span></strong><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;"></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><strong><span style="font-family: "Calibri",sans-serif; font-size: 15.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Whole
life insurance</span></strong><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;"></span></li>
</ul>
<h3>
<span id="what-is-term-life-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">What is term life insurance?</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Term life
insurance acts much like your auto insurance, so it’s much easier to
understand. Like your car insurance, you pay a premium each month for the
period of time you wish to be covered, and if you don’t use the insurance (i.e.
pass away) in that time period, the insurance company keeps the money and does
not have to pay a death benefit. This is just like your auto policy — if you
don’t get into an accident, there is no payout from the insurance company.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Term
insurance is generally cheaper because the coverage is only provided for a
specific period of time. In most cases, the insurance company will never pay
out because you will outlive the term and the policy will expire. However, term
life premiums can and do rise with age, whereas whole life premiums stay
steady. Late in life, they can become cost-prohibitive.</span><br />
<h3>
<span id="what-is-whole-life-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">What is whole life insurance?</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Whole life
insurance is a life insurance policy that remains in force for the insured’s
whole life. In this case, you or your survivors are guaranteed to receive a
payout from the insurance company as long as your payments are current.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Whole life
insurance has an investment growth component to it where dividends are
accumulated tax-deferred. Part of your premium pays for the death benefit and
part of your premium is invested to produce these dividends and increase your
policy’s “cash value.” Your cash value typically can be accessed during your
lifetime, which is a nice living benefit.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Your premium
payment is generally higher than with term life, but does not increase over
time. Your premium stays the same once your policy is in force no matter what
your health or age is. Additionally, because of the cash-value buildup, at some
point you can usually use the growth in your policy to pay your premium. This
way, you can have a policy in force for the rest of your life without making
another out-of-pocket premium payment.</span><br />
<h3>
<span id="what-impacts-your-life-insurance-rates"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">What impacts your life insurance
rates?</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Once you
choose the type of insurance you want, your actual insurance cost is based on
many factors, with age and health being the biggest factors. For either term or
whole life, the following factors can impact how much you pay:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Overall health</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Smoker/non-smoker</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Family history</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Age</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Gender</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Lifestyle (high-risk
activities)</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Career</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Location</span></li>
</ul>
<h2>
<span id="how-i-use-life-insurance"><span style="font-family: "Calibri",sans-serif; font-size: 22.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">How I Use Life Insurance</span></span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Experts
argue about which is best, but there is a specific purpose for both term and
whole life insurance. If you structure them properly you can create a very
affordable life insurance program that is comprehensive enough to meet all of
your goals.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Here is how I approach life insurance:</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"></span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l2 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">I use term life to
cover my fixed debts, or expenses that are likely to only exist for a
fixed period of time.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l2 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">I supplement long-term
coverage with a whole life policy that has more growth and tax-advantaged
features.</span></li>
</ul>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">I am
32-years-old, married, have two young children, and have a home with two
vehicles.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">I use cheap
term life insurance to cover the debts that care for my kids and revolve
around family expenses of our home.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">If I died
tomorrow, here is what I would want covered:</span><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">My mortgage debt so the
house will be paid off.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Vehicle ownership
expenses so my cars will be paid off.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Approximate child
expenses for 18 years.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Cost of four-year
college tuition for two kids.</span></li>
</ul>
<strong><span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">These expenses roughly end 20 years into the future, so I try to
match my coverage term to that time frame.</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">When I
started looking into life insurance, I had recently graduated from college and
didn’t have enough money to purchase a whole life policy, so I bought a term
life policy.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">I made sure
my term could be converted to whole life insurance. I value this conversion
flexibility because I like the idea of growing my money tax-deferred, and
estate tax policy is in constant flux.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">I plan to
leave money to my children, and this gift may be taxable in the future. I can
use whole life to cover any tax implications for my kids at the time of my
death.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Granted, I
do understand that what I’ve outlined here may not be the <em><span style="font-family: "Calibri",sans-serif; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-style: italic; mso-hansi-theme-font: minor-latin;">cheapest</span></em>,
but I wanted to provide some personal details that may help you.</span><br />
<h2>
<span id="how-much-should-you-buy-and-when-should-you-start"><span style="font-family: "Calibri",sans-serif; font-size: 22.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 18.0pt; mso-hansi-theme-font: minor-latin;">How much
should you buy and when should you start?</span></span></h2>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">A very
general rule of thumb is to purchase at least 10 times your annual salary in
life insurance. So, if you make $50,000 per year, you would want to look at a
$500,000 life insurance policy. As you can imagine, this calculation might not
fit your unique situation.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">For a more
accurate approach, follow these steps:</span><br />
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l1 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 15.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Add up any mortgage or student debts you want covered.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l1 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 15.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Add up your monthly expenses for the period of time you want covered.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l1 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 15.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Add in any educational or other extraordinary expenses you want
covered.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-list: l1 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-size: 15.0pt; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 15.0pt; mso-bidi-font-size: 11.0pt;">Finally, add in any other obligations you do not want to burden your
survivors with (e.g. taxes or other debts).</span></div>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Going
through this exercise will give you a more realistic portrayal of how much
coverage you need. An additional benefit to this process is that, if your
quotes end up coming in much higher than your budget, you can remove items from
your list and adjust your number to arrive at a more reasonable premium
payment.</span><br />
<h3>
<span id="how-to-get-started"><span style="font-family: "Calibri",sans-serif; font-size: 17.5pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 13.5pt; mso-hansi-theme-font: minor-latin;">How to get started</span></span></h3>
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Generally,
when you experience life changes, like purchasing a home, getting married, or
having children, you start to accumulate many financial responsibilities that
you want to protect with life insurance.</span><br />
<strong><span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">There really isn’t much of a need to buy term before these events.</span></strong><span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"></span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">However,
many people choose to start whole life insurance programs at a very young age
because cheap insurance is so plentiful and the policy owners can milk the cash
value growth for a longer period of time.</span><br />
<span style="font-family: "Calibri",sans-serif; font-size: 16.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Whatever
decision you make, it can’t hurt to get started by <a href="http://www.thesimpledollar.com/life-insurance-quotes/">getting a quote</a>
from several providers. You can find the most affordable life insurance
(whether it’s term or whole) and then decide if it fits within your current
budget.</span><br />
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<![endif]-->Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-83669239730572295662015-02-05T09:11:00.000-08:002015-02-05T09:11:03.314-08:005 tips for new parents weighing life insuranceFew personal milestones compel someone to buy life insurance coverage like becoming a parent.<br />
In
the event of an untimely death, life insurance can serve as a financial
safety net to ensure there's money available to pay for everything from
medical bills to a home mortgage and the future college education
costs.<br />
Many Americans have taken steps to line up such a financial cushion.<br />
At
the end of 2012, there were 146.2 million individual life insurance
policies in effect, with coverage totaling $11.2 trillion, according to
the American Council of Life Insurers.<br />
Here are 5 tips for new parents looking to buy life insurance:<br />
<b>1. Learn insurance options</b><br />
Life
insurance policies can vary widely, but they generally fall under two
categories: Term insurance and permanent insurance, which are often
referred to as whole life or universal insurance.<br />
With term
insurance you pay a premium for a set period, commonly 10 years or 20
years, and your policy entitles you to a specific amount of money.
Unless the policyholder dies, triggering a payout, any premiums paid are
lost once the policy term ends.<br />
In contrast, whole life insurance
policies cover insured individuals as long as they live. These policies
also function as savings vehicle. A portion of the premiums paid for
the policy are invested to provide a pool of money that the policyholder
can access, tax-free, while they're still alive. Such policies are
generally more expensive than term life insurance, however.<br />
Andrew
Porter, a certified public accountant in LaFayette, Calif., advises
clients who are new parents to avoid whole life insurance.<br />
"The cheapest form of insurance, generally speaking, for healthy, young adults is term (policies)," Porter said.<br />
<b>2. Determine coverage priorities</b><br />
Generally,
an insurance agent will help you determine an appropriate coverage
amount for the policy by examining some of the key costs your family
will have in years to come, such as the cost of child care, education
and the mortgage.<br />
Another approach is to figure out how much income you're expected to earn over your lifetime.<br />
Still,
while it might be tempting to think of life insurance in terms of a
dollar amount, it makes more financial sense to tie that amount to a
goal, like paying off a mortgage or college tuition, said Porter.<br />
"If
you're going to buy insurance you want to have a specific use for each
policy," he said. "It opens the way for insurance agents to oversell
insurance that you may or may not need."<br />
Life Happens, a nonprofit
organization funded by insurance and financial companies, has an online
worksheet to ballpark your insurance needs before you meet with an
agent: <a href="http://www.lifehappens.org/insurance-overview/life-insurance/calculate-your-needs/" title="http://www.lifehappens.org/insurance-overview/life-insurance/calculate-your-needs/">www.lifehappens.org</a>/insurance-overview/life-insurance/calculate-your-needs.<br />
<b>3. Buy a policy early</b><br />
The
cost of life insurance doesn't hinge on your credit rating, savings or
assets. It's determined by your age and the results of a medical
evaluation that's required every time you seek coverage.<br />
If you're a couple in your 20s and healthy, you'll pay less than when you're in your 30s and 40s.<br />
"If
you can qualify now it's better to do it, versus waiting and something
could change in your medical situation and you may end up not
qualifying," said Craig DeSanto, head of life insurance and long-term
care at New York Life. "And the younger you buy, the cheaper it is."<br />
A
20-year-old man who is healthy and doesn't smoke could be charged, on
average, $32.53 a month for $500,000 in coverage on a 20-year term life
insurance policy, according to an estimate by insurance quote portal <a href="https://www.trustedchoice.com/" title="https://www.trustedchoice.com/">TrustedChoice.com</a>.<br />
By comparison, a 50-year-old with the same health characteristics would be charged $111.38 per month for the same coverage.<br />
<b>4. Consider insuring both parents</b><br />
It's
common for both parents to work and contribute to household expenses
and the costs of caring for their children. That's one reason experts
recommend both spouses have life insurance, particularly if they both
pitch in to pay the mortgage.<br />
But even in cases where one parent quits work to care for a young child, that parent should be insured.<br />
"If
you're providing for someone it's not just income that you make as an
employee, it's the value you're providing taking care of a dependent,"
said DeSanto.<br />
<b>5. Consult the pros</b><br />
Wading through the
trove of life insurance offerings can be challenging. It's best to
consult with a financial advisor and meet with an insurance agent who
can provide the most up-to-date rates and policy options available.Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-5761839232513198992015-01-06T08:25:00.004-08:002015-01-06T08:25:47.693-08:0014 Tips for Purchasing Life Insurance<b>Insurance is an important part of financial planning
— but understanding insurance and buying the right product can be
tricky. From whole to term life, riders to convertibility clauses, how
do you make sense of all the choices? Most people rely on the expertise
of their insurance advisor, broker, or sales representative to help them
make the right decision. Yet, for some people, insurance
representatives have developed a bad reputation, and many people do not
trust the “recommendations” they receive. </b>
<br />
<b>From my own experience in the insurance industry, and knowing how
representatives are trained, I wouldn’t trust many insurance sales reps
either. Here are some steps you can take to ensure you get the right
product for the right price:</b><br />
<ol>
<li><b>Understand your needs.</b> No one understands your financial
situation better than you. That means you should avoid letting someone
else tell you how much protection you need. You can get a rough estimate
of your insurance needs by adding together your debt, estimated funeral
costs, and six months to a year of income replacement. <i>[<b>J.D.'s note:</b>
One common rule of thumb is to multiply your yearly income by between 5
and 10, using the lower level if you don't have many dependents and few
debts, and the higher level if you have larger debts and multiple
dependents. But Ray is right: understand your own needs.]</i> Taking
stock of your financial policy can allow you to select the right policy
for your needs. As sales representative, we were trained to sell large
policies. Remember, you may not need an exorbitant policy — you need the
policy that’s right for you and your family’s financial situation.</li>
<li><b>Understand term insurance versus permanent insurance.</b>
Understanding the difference between term and permanent life insurance
(such as whole life) can help you make an informed decision about your
insurance needs. Today, a term insurance policy should be able to cover
most of your debt and financial needs. In turn, you may not need to
purchase a whole life policy. Try not to be sold by the “what if”
scenario you might hear from an insurance sales rep. Insurance companies
traditionally make more profit from whole life policies than term
policies, so be prepared to hear a sales representative promote whole
life as the best possible choice (even though it might not be the best
fit for your needs). Remember, buy what you need and make adjustments as
changes become necessary. Term insurance is typically renewable and
should have a convertibility clause which allows you to make changes in
the future. There are certain situations where a whole life policy maybe
more advantageous than term; however, do not purchase it simply because
your sales representative told you should.</li>
<li><b>Speak with an independent broker.</b> These brokers will have
access to many more products than just one firm can provide. When I
worked as an independent broker, I was able to offer much more to my
clients than just a company product.</li>
<li><b>Avoid one-meeting recommendations.</b> If your broker makes a
recommendation in the first meeting, you know that they have not really
analyzed your situation and looked for best options. So just say, “No,
thank you” and keep researching.</li>
<li><b>Understand how the adviser gets paid.</b> Find out if they are
compensated through commission, fee-plus-commission, or fee only. If
there is any commission involved with the sale, make sure to look at all
alternative products available. With commissions, the advisor may have a
conflict of interest. Just because your adviser is commission-based
doesn’t mean they are bad — just ask more questions with them. I always
worked on 100% commission, but I would give my clients several options
and disclose if I got paid differently.</li>
<li><b>Recognize that insurance is for protection — not investing.</b>
Term insurance provides protection only, without a savings component.
Whole life and universal life policies have a savings component and are
much more expensive. You are almost always better off just paying for
term insurance, and using the cost savings to invest elsewhere.</li>
<li><b>Ask the tough questions.</b> Don’t be afraid to ask the advisor
questions. You should know the product inside out before buying it. Is
the policy renewable and non-cancelable? How long are premiums
guaranteed for? Is there an accidental death rider? What are the
exclusions?</li>
<li><b>Watch out for “know-it-all” advisor.</b> If the advisor answers
all your questions without referring to anything, or pretends she “knows
it all”, chances are that she does not. Insurance policies are
complicated, and even the best advisors do not know every product 100
percent and may have to look things up. There is nothing wrong with
that.</li>
<li><b>Compare similar products.</b> When you price shop, make sure you compare similar products.</li>
<li><b>Don’t replace old whole-life policies.</b> If you have had a
whole-life policy for several years, try not to replace it. You may lose
all the premiums you have paid. You may also have to pay new
administration fees (if applicable), and reset some clauses (such as the
suicide clause). If your situation has changed and you need more
insurance, just buy more. (This warning does not apply to term life.)</li>
<li><b>Do not buy expensive riders.</b> The advisor might ask you to add
on all types of riders. Stay away from them unless you fully understand
them and need them. Again, in training there was always an emphasis on
selling riders. Often I didn’t see any benefits to the client.</li>
<li><b>Do your homework.</b> Make sure you do your homework before
purchasing an insurance product. Make sure it fits your needs and
budget, and make sure you understand the contract. The advisor is
obligated to explain it to you. Don’t sign until you understand the
contract.</li>
<li><b>Take a 30-day free look.</b> You have 30 days to look at the
policy and understand it. If you are not satisfied with it during that
time, cancel the policy and you will get your premium back.</li>
<li><b>Keep it simple.</b> Do not make your insurance planning
complicated. Because it is based on protecting your family, it should be
based on your needs. Don’t fall for all the bells and whistles the
company may try to sell to you.</li>
</ol>
I hope these fourteen steps will help in your insurance planning. The
basic idea is to educate yourself by doing your homework so that you
can understand what you are buying.Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com1tag:blogger.com,1999:blog-5491025642845182384.post-8024818506628256422015-01-06T08:02:00.001-08:002015-01-06T08:02:09.408-08:00Common types of insurance in UK<b>Insurance can offer invaluable protection against unforseen events. The price you pay is called a premium.</b><br />
<b>
</b><b>Common types of insurance relate to:</b><br />
<ul>
<li><strong>your home</strong> – if you own your home, you should have buildings insurance to cover damage to the building</li>
<li><strong>your belongings</strong> – contents insurance covers loss or damage to your household possessions</li>
<li><strong>driving</strong> – you are required to insure against damage
or injury caused by your vehicle to other vehicles and people (you can
also insure yourself against theft, damage to your vehicle and injuries
caused while driving)</li>
<li><strong>travel</strong> – travel insurance covers you against the cost of delays, lost property and medical bills while abroad</li>
<li><strong>life insurance</strong> – your family will get a payment if
you die unexpectedly. You should also check what payment is due from
your pension scheme if you die</li>
<li><strong>pets</strong> - you can insure your pet against the cost of
vets’ bills, costs incurred finding a lost pet, or if you are unable to
care for a pet because of illness.</li>
</ul>
You may have heard stories in the news about people being wrongly sold <a href="http://www.ageuk.org.uk/money-matters/consumer-advice/reclaim-your-ppi--/" title="What is PPI and how you can reclaim lost money">Payment Protection Insurance</a> (PPI) when they took out a loan or overdraft.<br />
<h2>
<span>Where you can buy insurance</span></h2>
<div>
You can buy insurance from:<br />
<ul>
<li>an insurer directly</li>
<li>banks and building societies</li>
<li>insurance brokers and other financial advisers</li>
<li>supermarkets and other retailers.</li>
</ul>
In each case, the firm selling insurance should be regulated by the <a href="http://www.fca.org.uk/" title="Visit the Financial Conduct Authority website">Financial Conduct Authority</a> (FCA).<br />
You should always get quotes from several companies or use an online
calculator before taking out insurance. Insurance brokers can act on
your behalf to compare prices and find the best policy for your needs.<br />
<strong>Remember:</strong> the cheapest policy may not be the best value if there are lots of restrictions on when you can make a claim and how much for.<br />
<h2>
<span>7 tips for buying insurance</span></h2>
<div>
<ul>
<li>Give full and truthful information when applying for insurance. If
you don’t, your policy may be void and you will not be able to make a
claim.</li>
<li>Give a full account of any medical conditions when requested.</li>
<li>Check for any age limits on the cover provided.</li>
<li>Look out for excess charges on the policy? An excess is the amount
you will have to pay towards any claim before the insurance company will
contribute.</li>
<li>If you pay by standing order and change insurer, remember to cancel
the standing order so you don’t end up paying for two policies.</li>
<li>Read the terms and conditions of your policy or ask the adviser to
explain them, so that you don’t have any nasty surprises later on.</li>
<li>If you’re buying an <a href="http://www.ageuk.org.uk/money-matters/consumer-advice/guarantees-and-warranties-what-you-need-to-know/" title="Guarantees and Warranties: what you need to know ">extended warranty</a> for a product, check whether you’re covered elsewhere (for example, through contents insurance).</li>
</ul>
<h2>
Should you trace old insurance policies?</h2>
Old savings, life or pensions policies may still have value and be <a href="http://www.ageuk.org.uk/money-matters/money-management/tracing-lost-money/" style="-webkit-text-stroke-width: 0px; background: #ffffff; border: 0px; color: #047eae; font: 15px/22px Arial, &amp; letter-spacing: normal; margin: 0px; padding: 0px; text-decoration: none; text-indent: 0px; text-transform: none; vertical-align: baseline; white-space: normal; word-spacing: 0px;" title="Tracing lost money">worth tracing</a>.<br />
Most other types of insurance, such as household or motor policies, do not have any value after the period covered has finished.<br />
</div>
<br />
<h2>
<span>Insurance complaints</span></h2>
If you’re unhappy with how a claim is handled or with any other
aspect of the service, your insurer can let you know how to make a
claim. This information should also be in your policy document.<br />
If you're not happy with the response to your claim, ask the <a href="http://www.financial-ombudsman.org.uk/" title="Visit the Financial Ombudsman website">Financial Ombudsman</a> to take up the case.<br />
</div>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-92064057750300166412015-01-06T07:54:00.000-08:002015-01-06T07:54:01.757-08:00How to waste £10,000 on life cover?<div class="firstPar">
<b>Buying a life insurance policy from a bank or building society could mean
wasting tens of thousands of pounds.
</b></div>
<div class="secondPar">
That is because lenders – without telling the customer – add their own markup
of as much as 50pc to the price available elsewhere. Even going direct to
the insurer will, bizarrely, sometimes end up costing policyholders far
more.
</div>
<div class="thirdPar">
The difference between the best and worst prices for the same cover, if you
add up the premiums over the term of the policy, can run to many thousands
of pounds.
</div>
<div class="fourthPar">
So where is the best place to buy your policy?
</div>
<div class="fifthPar">
There are three main sellers of life insurance policies and other, similar
cover, such as critical illness insurance. These are lenders such as a bank
or building society, intermediaries such as an adviser or broker and direct
from the insurance company. Not all insurers sell their products via all
three channels, but many do.
</div>
<div class=" related_links_inline" id="tmg-related-links">
<span id="mv-related-article-item"></span><br />
</div>
Most banks and building societies have agreements in place with insurance
companies to sell their policies to customers. Many have "single-tie"
deals – where they sell products from only one insurance company.
<br />
<i>The Sunday Telegraph</i> investigated the cost of Legal & General
policies, which are sold under single-tie deals by Nationwide Building
Society and Yorkshire Building Society, and Aviva policies, which are sold
under a single-tie deal by Tesco Bank.
<br />
These companies were chosen because they all offer online quotes for life and
critical illness products.
<br />
We obtained quotes for a 30-year-old and a 40-year-old man for £250,000 worth
of life and critical illness insurance, lasting 25 years, from the lenders
and direct from the insurers.
<br />
We also requested quotes from a financial adviser, Alan Lakey of Highclere
Financial Services, for exactly the same policies.
<br />
The results show that in many cases the lenders and even the insurers
themselves charge far more than intermediaries for exactly the same life and
critical illness policies. For example, a "decreasing-term"
(explained below)<strong> </strong>life insurance policy for £250,000 will cost a
30-year-old male smoker £15.65 a month through an adviser. Legal &
General and Nationwide charge £18 a month, while Yorkshire charges £23.66 –
a staggering 51pc more than an adviser for exactly the same cover.
<br />
That works out at an extra £2,403 over the 25-year term of the policy.
<br />
A "level-term" life and critical illness policy for £250,000 from
Legal & General will cost a 30-year-old male smoker £90.36 a month when
bought through an adviser. But if the policyholder was sold the same cover
in a branch of Nationwide, he would pay around £95.
<br />
Yorkshire charges its customers £120.55 a month for the policy – 33pc more
than an adviser. That's an extra £9,057 over the 25 years. Insurers and the
lenders struggled to explain the extent of the markup.
<br />
When <i>The Sunday Telegraph</i> asked the Yorkshire why its members were
being required to pay such a high price for the cover, a spokesman deflected
the question, but said: "We continually strive to ensure that all our
products, including those we offer through third parties, provide the best
overall value for our customers."
<br />
Guy Simmonds, head of protection and investment products at Nationwide
Building Society, said the extra cost was down to advice given to the
customers by salesmen in branches. He said: "Nationwide offers
high-quality protection, backed by face-to-face advice available nationally
on the high street, at the same price as is available directly from the
insurer. Seeking advice, particularly given the need for correct disclosure
and completion of forms, is very important when it comes to ensuring
customers gain the protection cover they require."
<br />
That raises the question of quite why the cover costs so much when bought
directly from Legal & General, where no advice is automatically given.
Again, there was no clear answer.
<br />
A Legal & General spokesman said: "We would encourage people to
understand what they are buying, if they want advice or not and to shop
around. As with any other industry, it makes sense to do this, both on the
high street and online, to get the best price and level of cover that meets
the customer's needs. The cheapest price does not always mean the best level
of cover or service."
<br />
Other insurers' products are also priced in the same, confusing way.
<br />
Tesco sells Aviva life and critical illness policies rebranded as Tesco Bank
policies. Tesco charges more than an intermediary such as a broker for an
identical policy, but Aviva charges the most for its own products by a
considerable margin.
<br />
For example, a level-term life assurance policy for £250,000 would cost a
40-year-old male non-smoker £23.08 through an adviser, £29.85 through Tesco
Bank and £35.30 if bought directly from Aviva.
<br />
That is a difference of 53pc between the lowest and highest prices, which adds
up to an extra £3,465 over the term.
<br />
Tom Allen, head of protection pricing at Aviva, said the insurer's prices
reflected the cost of distributing the products to its customers. He said
Aviva was comfortable selling its products at a higher price than other
distributors because some customers valued convenience and direct access to
the brand over price.
<br />
Customers who have bought expensive life and critical illness cover are not
stuck with their existing policies. It is possible for many policyholders to
switch to new cover that could offer better protection for less. But not
everyone is able to do this: if your heath has deteriorated, you have taken
up smoking or your circumstances have changed in some other way, you may no
longer qualify for the same cover.
<br />
Mr Lakey said: "Your bank or building society, or even your insurer, will
not necessarily give you the best deal. In many instances, people who have
an existing policy will be able to switch to a better-quality policy for a
lower premium. This is particularly true for people who bought their policy
before 2010 because policies have improved significantly since then.
<br />
"It is important to check the premium you are paying to see whether there
is a better deal available on the market."
<br />
<strong>Term cover - how it works</strong>
<br />
Life insurance is often sold alongside a mortgage, which is why banks and
building societies are so well placed to offer it. "Whole-of-life"
cover pays out whenever you die but is more costly. Term cover, which is
more common and cheaper, pays a set sum on the death of the policyholder if
it occurs within a fixed period, say 25 years.
<br />
The term is often linked to the length of the mortgage, typically 25 years.
<br />
A cheaper form of cover is called "decreasing-term" life assurance.
The potential payout on death decreases over time, as the amount owed on the
mortgage falls.
<br />
Borrowers can add critical illness cover to life insurance policies for an
additional cost. Critical illness cover pays out if the policyholder suffers
from a serious illness or death<strong> </strong>during the term of the policy. The
tax-free lump sum received is often used to pay off a mortgage or other
debts or to cover medical or household bills.
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-10117338843978201002015-01-06T07:44:00.002-08:002015-01-06T07:44:14.639-08:0010 Tips to Save Money on Life Insurance <strong>Life insurance</strong>, also known as <strong>life assurance</strong> <br />or <strong>term assurance</strong>
can be confusing and complicated, which is why we've put together 10
top money saving tips to help you find the right life insurance policy
for your needs and save money in the process.<br />
If you were to
die, taking out life insurance can help make sure that your family can
cope with any financial burden you might leave behind such as replacing
your income, paying the rest of the mortgage, paying for childcare, etc.<br />
<ol>
<li> <strong>Whole of life insurance</strong>.
Whole life insurance is designed to provide cover for the
policyholder's life and pay out a lump sum whenever you die. With whole
life insurance your beneficiaries are guaranteed a cash sum when you
die. Whole life insurance is generally more expensive because the
insurer will definitely need to pay a cash sum when you die and premiums
normally need to be paid up to a certain age e.g. 70 years. Term
assurance tends to be cheaper as it provides life insurance cover for a
fixed term only. Depending on the type of policy taken there may be a
cash-in value of the policy if it is stopped for any reason.</li>
<li> <strong>Level term life insurance. </strong>This
type of term assurance pays out a fixed lump sum if the policyholder
dies during the policy's term, but doesn't pay out if you die after the
term has ended. The amount is guaranteed and doesn't change during the
term of the policy. This type of life insurance policy is typically used
by people with an interest-only mortgage, where the amount owed on the mortgage remains unchanged throughout the term.</li>
<li> <strong>Decreasing term insurance. </strong>This
type of term assurance pays out a lump sum if the policyholder dies
during the policy term. The actual lump sum decreases during the
lifetime of the policy and with term assurance there is no cash-in value
at any time. This type of life insurance policy is typically used by
people with a repayment mortgage
where the outstanding mortgage balance reduces during the life of the
mortgage. It's cheaper to take out decreasing term life insurance if you
have a repayment mortgage as you're only paying for life insurance
cover you actually need to pay off the mortgage.</li>
<li> <strong>Single or joint life insurance? </strong>Life
insurance policies can cover a single life or be on a joint life basis.
Single life policies can be cheaper, however, you need to consider your
individual needs, for example joint life cover is important if you need
to cover both you and your partner's income or pay for child care in
the event your non-working partner dies. Even if a joint policy does
look suitable, it's worth getting quotes for standalone policies anyway,
as it might be cheaper and you will get two pots of cover.</li>
<li> <strong>Critical illness</strong>.
Critical illness cover is an additional benefit that can be added to
your life insurance policy. A lump sum is paid on the conclusive
diagnosis of a critical illness such as cancer, a heart attack, multiple
sclerosis or a stroke. Adding critical illness cover to your life
insurance policy will cost you more; however, you need to weigh up the
extra cost against the benefit of getting a lump sum payment in the
event you or your partner is unable to work. You can also save money by
combining your life insurance and critical illness rather than taking
out separate policies. It's important to check the level of critical
illness cover, as most critical illness policies only cover a limited
range of cancers, not all. The FSA's Money Made Clear website has a good section about critical illness.</li>
<li> <strong>Go smoke free</strong>.
Your life insurance will be cheaper if you don't smoke. A non-smoker is
usually defined as someone who hasn't smoked cigarettes in the last
12-months. The NHS Smoke Free
website contains detailed information about the free NHS support
services to help you quit smoking. Insurers may also increase premiums
if you are using nicotine replacement products such as patches.</li>
<li> <strong>How much cover do you need</strong>?
Ideally the amount of life insurance cover you need should cover any
outstanding debts (mortgage repayments, outstanding loans, credit cards,
etc) and provide your family with a reasonable level of income. As a
general rule of thumb the amount of life insurance cover should be 10
times the highest earner's income. One way to save money is to check to
see if your employer offers you 'death in service' benefits (typically 4
times salary) and deduct this amount from the amount of life insurance
cover you need.</li>
<li> It is also worth checking if you already have some <strong>life insurance with savings</strong>
or investments plans you hold (i.e. an endowment usually has some kind
of cover attached). These can be deducted from the total amount of life
cover required.</li>
<li> <strong>Life policy in trust.</strong> If you die the life assurance forms part of your estate, meaning your estate could be liable for inheritance tax.
You can avoid this by writing the policy in trust so that it pays out
directly to your dependents and never becomes part of your estate,
avoiding inheritance tax and speeding up the payout. Most life insurance
policies include the option about writing in trust directly at no extra
cost. But, think carefully about who the policy is designed to go to,
as it can be difficult to remove someone who you have nominated in a
trust if you change your mind, and seek independent legal advice if
necessary.</li>
<li> <strong>Waiver of premium.</strong> If illness
prevents you from working your monthly life insurance premiums are paid
on your behalf for set period. This will add to the cost of your life
insurance policy and it's important to weigh up this cost against any
income protection policy that you may also have.</li>
</ol>
<h3>
Shop around for the best life insurance deal</h3>
The cost of life insurance can vary considerably so it's important to
shop around for the best life insurance deal to suit your individual
needs. Life insurance generally costs more the older you get, but as
life insurers compete for business and reduce rates, you can still get
cheap life cover if you shop around.<br /> <br />
<h3>
<strong>Using a Life Insurance Broker to get a Quote </strong></h3>
Compare brokers as you would direct insurance policies. Get quotes from a couple of brokers to compare prices and policies.Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com2tag:blogger.com,1999:blog-5491025642845182384.post-28123700955602370382015-01-06T07:31:00.001-08:002015-01-06T07:31:30.371-08:00Where you stand with your travel insuranceBooked to go skiing soon? Hoping for the best conditions is a natural
part of the experience. There’s no guarantee of snow and certainly no
promise of perfect conditions. Last month the press was awash with talk
of snowless resorts in Europe yet this week it’s all about huge dumps
stranding motorists and holiday makers and making travel very difficult
in some areas of France. You simply never know what you’re going to get!<br />
So we thought it might be a good time to let you know where you stand with snow and your World First travel insurance policy.<br />
<strong>What happens if you get there and you can’t ski because there’s no snow?</strong><br />
With Winter Sports cover from World First you will be covered if
there’s no snow on your skiing holiday – as long as it’s within certain
limits. If you booked a skiing holiday in a resort that’s above 1600
metres between 1st January and 30th April then you’ll be covered for £20
per day up to a maximum of £400 with our Superior policy if you can’t
ski. Maximum limits on our Economy and Standard policies are £200.<br />
<strong>What happens if you can’t travel because of too much snow?</strong><br />
It might seem like the deepest of ironies to get stranded at home, in the UK, in a snowdrift, but it does happen.<br />
This week we’ve already heard of a few problems with snow in the
North of England and in previous winters we’ve seen snow disrupt
thousands of flights. So what if it happens to you? While your airline
is only obliged to get you from A to B and will either offer a refund or
later flight, the good news is that you can claim on your World First
travel insurance policy, as long as you booked it before any problems
were forecast.<br />
If you are delayed at the airport for 12 hours or more because of bad
weather, we will compensate you providing you checked-in on time. You
just need to get a representative of your airline to confirm the length
and nature of your delay in writing.<br />
If you are delayed for more than 12 hours at the airport you will be
entitled to claim Trip Abandonment on certain policies, with a maximum
payout of up to £5,000 on our single and multi trip Superior policies.
So if you decide a major delay is no way to start the holiday of a
lifetime, you’ll be able to recover your holiday expenses. Additionally,
if bad weather causes an accident you’re involved in or your vehicle
suffers mechanical breakdown en route to your departure point and you
subsequently miss your flight, we will provide compensation up to the
amount covered for trip cancellation. We will also pay-out if you are
travelling to the airport on public transport that becomes delayed as a
result of the adverse weather.<br />
If snow delays you on the return leg of your journey, there’s no need
to worry about extending your cover as your policy duration will
automatically extend until you’re back in the UK.<br />
<strong>What if there’s so much snow that you can’t get to your resort?</strong><br />
This did happen this week! Ski resorts are used to snow so it’s much
more likely that you’ll be delayed by snow in the UK than in Europe or
the USA. However, if you were to be delayed leaving or arriving in your
resort due to avalanche your World First policy will cover the cost of
additional transport and/or accommodation if you are unable to reach or
leave your pre-booked resort because of access problems due to an
avalanche.<br />
<strong>What happens if you hit the wrong type of snow?</strong><br />
We aren’t talking about snow that stops trains. We are talking about
snow that causes you to slip, trip or fall when you are away. Frankly
it’s any type of snow, because, as all rational people know, there is an
inherent risk of injury on winter sports holidays. So, whatever excuse
you give for slipping and hurting yourself, no matter how seriously,
we’ll be there to cover you.<br />
Our policies will cover you for up to £10 million (with a Superior
policy) worth of medical expenses, including the cost of medical
emergencies and repatriation if you hurt yourself on your winter sports
holiday. If you need to be airlifted off the mountain or even airlifted
home after a serious injury it will more than cover it. And if someone
else gets seriously injured on the slopes and it’s your fault, we’ll
cover you for £2 million worth of personal liability cover too.Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-35460412806313925952015-01-06T06:56:00.003-08:002015-01-06T06:56:54.396-08:00Tricks and tactics to cut the cost or How to get cheap car insurance?<div class="articleMainBody">
<b><span class="bold">It's possible to swiftly secure the cheapest car insurance in minutes, as you’ll see in the main Cheapest Car Insurance
guide. However if you’re getting the wrong type of cover, the fact
it’s the cheapest is irrelevant, this special additional article will
help you work out exactly what you need.</span></b><br /><br />
<div id="topAnchors">
<div id="anchorsimage">
<center>
<img alt="Even we can't make this dirt cheap" border="1" height="120" src="http://images.moneysavingexpert.com/images/439260_ferrari_540_.jpg" title="Even we can't make this dirt cheap" width="240" />
<div class="subtext">
<br /><em><span class="f-8 center">Even we can't make this dirt cheap</span></em></div>
</center>
</div>
</div>
Comprehensive or Third party? What to choose
There are three types of insurance to choose from and you should
consider all the options to get the right type. Also, once you've
chosen make sure you check your policy carefully, so you know exactly
what you are and aren't covered for in the event of a claim.<br />
<div class="bluetitle">
Third Party</div>
The minimum level of cover you need to legally be able to drive on
the roads is called 'Third Party'. It used to be the cheapest type of
insurance but now bizarrely fully comprehensive policies can often be
cheaper. Never assuem one costs less than the other; quote both.<br />
Third Party covers you for any damage you cause to another person's vehicle and protection for any passengers in your car. <br />
Therefore, if you are in an accident and it is your fault, you
will have to pay for any repairs to your own car yourself, as your
insurance won't cover it. It's more expensive because it's assumed you
care less about your car and are therefore more likely to have an
accident. <br />
It’s generally the most suitable for those…<br />
<br />
<ul>
<li>With cars worth less than £1000</li>
<li>Aged under 25</li>
<li>Without a no-claims bonus</li>
<li>Or living in a high risk area</li>
</ul>
<div class="bold">
Third Party Fire and Theft</div>
Third party fire and theft has the same level of cover as third
party insurance. However, self evidently, it also has the additional
cover of assistance if your car is stolen or is set on fire. <br />
<div class="bluetitle">
Fully Comprehensive</div>
This is the widest level of cover but can be the cheapest. The big
advantage is if you have an accident and it was your fault you will be
able to claim the cost of repairing your own car, and cover personal
injury costs, as well as those of the other drivers.<br />
The cover also includes accidental damage and vandalism, for
example if somebody causes damage to your car when it is parked in the
street and they then drive off. Plus you'll usually (though not always,
so do check your policy details carefully) be able to drive other
people's cars if you have their permission, although this is likely to
be only be Third Party. Sometimes you'll be covered for driving hire
cars too.<br />
Fully Comp is a good idea if your car is worth more than £1,500 and
gets more important the more valuable you car is. Many insurers will
only offer fully comprehensive cover for higher value cars anyway.<br />
There are a few ways of cutting the cost of fully-comprehensive cover, <a href="http://www.tescofinance.com/personal/finance/insurance/carins/value/index.jsp" target="_blank" title="Tesco Value">Tesco Value</a>
insurance offers a comprehensive policy but limits the repairs to
garages it has relationships with, which lowers the cost. However this
doesn’t automatically make it cheapest, ensure you first use the
comparison sites in the <a href="http://www.moneysavingexpert.com/car-insurance/" title="Cheapest Car Insurance">Cheapest Car Insurance</a> article to check.<br />
<div class="bold">
Don’t think third party’s cheaper than comprehensive</div>
Counter logically lesser third-party policies often cost more than fully-comp.<br />
Why? Car insurance rates are set by actuaries, whose job is to
calculate risk. And it’s likely third-party buyers are on average a
higher-risk group, perhaps as overall they care less about their cars,
and so prices are pushed up. To illustrate this in one low risk driver
quote, we found £290 for fully-comp compared to £406 third-party.<br />
Yet this isn’t a hard rule, third-party can win, but for price’s sake always check comprehensive out too, use the main <a href="http://www.moneysavingexpert.com/car-insurance/">Cheap Car Insurance</a> guide to compare.<br />
<a class="" href="https://www.blogger.com/null" name="risk" title="risk"></a>
<h2 class="blueMSEBar">
Reduce your risk, reduce your cost</h2>
Every application for car insurance is different. Each insurer’s
price depend on two things, first the underwriters assessment of your
particular risk focus and then the pricing model which dictates what
type of customers the insurer wants to attract.<br />
Therefore by reducing an insurer’s perception of your risk you can
reduce the price you’ll pay. There are of course many factors you
either can’t change or can’t change easily … age, gender, where you live
and driving history. Yet there are things you can have control over:<br />
<ul>
<li><b>Park and drive carefully</b><br />
<br /> Theft and accidental damage add a bulk to insurance costs.
If you leave your car in a garage or driveway it’s a big deterrent to
theft and means accidental damage is less likely, resulting in a 3% - 7%
drop in insurance costs.<br /><br />
And of course the more points on your licence the higher the cost.
While speeding points remain on your licence for four years insurers
check for convictions during the last five before they are removed from
your record. <br /><br />
One speeding conviction may only affect the price of cover by around 5%
but any more’ll bump up the price, with two offences costing around 20%
more. Being caught with a mobile phone is more serious and can double
your quote!</li>
<br /><br />
<li><b>Add a second person to an under-25s / high risk drivers insurance</b><br />
<br /> Insuring someone aged under 25 can cost a fortune. Yet by
adding a second driver with a good record to the insurance, even if they
won't use the car often, it can smooth out the average risk and
sometimes reduce the premium. It won't always work, but it’s worth
playing with quotes to check.<br />
<br />
However at no point should you add your name as the main driver on a
younger driver’s policy instead of them. This is known in the industry
as fronting and is fraud. When you come to claim, this will often be
checked out and your insurance will be invalidated.<br /></li>
<li><b>Pick a car</b><br />
<br /> The combination of car, engine size and value all impact car
insurance cost. It’s worth considering this when you buy; a big
super-powerful 4 by 4 for a 17 year old would cost enough to make Bill
Gates balk.<br /></li>
<li><b>Fit a security device</b><br />
<br /> Any extra security will help, fitting an alarm or immobilizer (especially one approved by <a href="http://www.thatcham.org/" target="_blank" title="Thatcham">Thatcham</a>) will reduce the bill substantially.<br /></li>
<li><b>Don’t modify your car</b><br />
<br /> The more changes you make to your car, barring security ones,
the more you’ll be charged. Always make sure you inform your insurer of
any modifications to your car, whether you made them or not, or it may
invalidate your policy. A modification is anything that is not part of
the standard vehicle specification including factory fitted optional
extras, such as alloy wheels.<br /></li>
<li><b>Reduce your mileage</b><br />
<br /> The less you drive, the cheaper your insurance will be. Where
possible try and reduce your mileage. This may sound trite, but
actually the real key is incorporating the extra insurance cost when you
make long journeys not just the cost of petrol compared to taking the
bus or train (also read <a href="http://www.moneysavingexpert.com/travel/cheap-train-tickets" title="Cheap Trains">Cheap Trains</a>
article). If you drive your vehicle on business, always declare this
rather than just include the business miles as personal, or the policy
may be void. <br /></li>
<li><b>Inform your insurer of any changes in circumstances </b><br />
<br />
This is crucial as it reduces potential problems in the event of a
claim; even if it’s just your address. Trying to get insurance after
you've had a policy cancelled due to a fraudulent claim is very
difficult, very expensive and will follow you for the rest of your life.<br /><br />
A change in circumstances includes moving jobs, as insurers beleive this
can affect your risk. Scandalously, the unemployed often (though not
always) pay higher rates for their car insurance, so do inform your
provider if you're out of work but also check to see if it’s worth
cancelling and moving elsewhere, as you don’t need to be at renewal to
change insurer.</li>
</ul>
<br /><br />
If you’ve read these tips and thought, “it’s be quite easy to lie
about this”, then of course you’re right. Yet lying on your insurance
form is fraud. It can lead to your insurance being invalidated and in
the worst case a criminal prosecution for driving without insurance.
Don’t do it.<br />
<a class="" href="https://www.blogger.com/null" name="tricks" title="tricks"></a>
<h2 class="blueMSEBar">
Tips and tricks for lowering car insurance costs</h2>
If you’re trying to finesse the lowest price, there are a few more
things to watch out for. Car insurance marketing is clever. Its aim is
to make you feel you’re getting the best deal but to maximise the
insurer’s profit at the same time.<br />
<ul>
<li><b>Get a ‘new’ quote from your existing insurer</b><br />
<br />Often applying to your existing insurer as a new customer
produces a cheaper price than its renewal quote. Insurers put out more
competitive prices to attract new customers so simply start again and
you could be better off.<br /></li>
<li><b>Consider how much you’d really claim for?</b> <br /><br />It's
worth considering going for a policy with a higher excess (the amount of
any claim you need to pay yourself). Many people will find that
claiming for less than £500 worth of damage both increases the future
cost of insurance and can invalidate no-claims bonuses, meaning it’s not
always worth making a claim.<br />
<br />
So why pay extra for a lower excess? A few policies will
substantially reduce premiums for a £1,000 excess, so try this when
getting quotes. Of course the one downside with this is if you have a
bigger claim you’ll have to shell out more, but often it’s a good
balance of the risks. <br /></li>
<li><b>Drive someone else’s car on your insurance</b><br />
<br />If you have fully comprehensive insurance then often, although
not always, it includes what’s called ‘driving other cars’ cover. This
provides you with Third Party cover whilst reducing your mileage and
therefore the cost of your own policy. <br /></li>
<li><b>New car, free insurance</b> <br />
<br />Buy a new car and it may include free insurance for a few years.
While this is only worth a few hundred a year to an experienced
driver, to a young car owner it could be worth thousands and is well
worth taking into account when you add up overall costs.<br />
<br />
</li>
<a class="" href="https://www.blogger.com/null" name="pass" title="pass"></a>
<li><b>New Driver? Take an additional driving course</b><br /><br />
<a href="http://www.direct.gov.uk/en/Motoring/LearnerAndNewDrivers/NewlyQualifiedDrivers/DG_4022426" target="_blank" title="PassPlus">PassPlus</a>
is a Driving Standards Agency course aimed at helping new drivers
(within 12 months of passing their test) become more confident on the
road. There are six modules; town driving, all-weather driving, driving
out of town, night driving, driving on dual carriageways and driving on
motorways.<br /><br />
The cost of the course is around £200 but varies depending on where
you live and the instructor or driving school you choose. Yet many local
councils offer discounts of up to 50%, usually for those under 25, and
in Wales it only costs £20 (check if your council is <a href="http://www.direct.gov.uk/en/Motoring/LearnerAndNewDrivers/Passplusdrivingcoursefornewdrivers/DG_182845" target="_blank" title="taking part">taking part)</a>.
Once you have the certificate some <a href="http://www.direct.gov.uk/en/Motoring/LearnerAndNewDrivers/Passplusdrivingcoursefornewdrivers/DG_182846" target="_blank" title="insurers">insurers</a>
then discount the price of your insurance but but as there are not many
there’s a high chance you can get cheaper cover elsewhere.</li>
</ul>
<h3 class="greenMiniBar">
Extra tips for no claimers</h3>
<ul>
<li><b>No-claims discounts don't necessarily reduce the premium</b><br />
<br /> For every year you don't claim on the insurance policy you get a
discount. This makes a substantial difference to the overall cost. If
you do claim it's usually two years off this discount. This is
deliberate to encourage people not to claim. You can also get a
protected no-claims discount so that claims don't impact it.<br /><br />
Remember though, if you do have an accident, even if you don't claim to
keep your no claims discount, the price of the policy can rise simply
because you may be assessed as a higher risk in the future.<br /></li>
<li><b>Try to keep your no-claims if switching from a company car to a private car</b><br /><br />
If you have a no-claims bonus from driving a company car and try to
find private insurance online, you'll find neither insurer nor broker
will allow your previous no-claims bonus to count. <br />
<br />
Yet if you phone up most companies will give some form of
‘introductory or special bonus' to those switching to a private car.
This is because these discounts are often applied manually as the online
systems don't automatically allow a discount. There are also discounts
available with brokers and some insurers where second cars for existing
policyholders can attract introductory bonuses, but again these are
call-centre not internet-based. See the Mulit Car Discount section in
the main <a href="http://www.moneysavingexpert.com/car-insurance/#multi">Car Insurance</a> guide.<br />
<br />
The overall tactic I would suggest is first of all use the <a href="http://www.moneysavingexpert.com/car-insurance/" title="Cheapest Car Insurance">Cheapest Car Insurance</a>
four-step plan to establish your risk factor – then call the top three
(or possibly five) providers listed and discuss this no-claims company
issue.</li>
</ul>
</div>
<h3>
<span>What the * means above</span></h3>
If a link has a * by it, that means it is an affiliated link and
therefore it helps MoneySavingExpert stay free to use, as it is tracked
to us. If you go through it, it can sometimes result in a payment to the
site. It's worth noting this means the third party used may be named on
any credit agreements.<br />
You shouldn’t notice any difference and the link will never negatively
impact the product. Plus the editorial line (the things we write) is
NEVER impacted by these links. We aim to look at all available
products. If it isn't possible to get an affiliate link for the top
deal, it is still included in exactly the same way, just with a
non-paying link. For more details, read <a href="http://www.moneysavingexpert.com/site/moneysavingexpert-finance">How This Site Is Financed</a>.<br />
Duplicate links of the * links above for the sake of transparency, but this version doesn't help MoneySavingExpert.com: <a href="http://www.admiral.com/" target="_blank" title="Admiral">Admiral</a>, <a href="http://www.diamond.co.uk/" target="_blank" title="Diamond">Diamond</a>, <a href="http://www.elephant.co.uk/" target="_blank" title="Elephant">Elephant</a>, <a href="http://www.norwichunion.com/car-insurance/index.htm" target="_blank" title="Norwich Union">Norwich Union</a><br />
<div class="fsa">
<span class="bold"><strong>Important FCA Note.</strong></span> Referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. <a href="http://www.moneysavingexpert.com/">MoneySavingExpert.com</a> Limited ("MSE") is part of the <a href="http://www.moneysupermarket.com/" target="_blank">MoneySupermarket.com</a> Group PLC ("MSM").</div>
While this does not affect any content on our site, technically it
means that pages with links which take you to the sites of insurers or
insurance intermediaries are hosted by MSE on behalf of MSM.<br />
MSM is an appointed representative of <a href="http://www.moneysupermarket.com/" target="_blank">MoneySupermarket.com</a>
Financial Group Limited ("MSFG") which is authorised and regulated by
the Financial Conduct Authority (FCA FRN: 303190). The registered office
address of both MSM and MSFG is MoneySupermarket House, St. David's
Park, Ewloe, Chester CH5 3UZKhondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-22207038081821573602014-12-23T08:56:00.001-08:002014-12-23T08:56:03.153-08:00Best 5 Auto Insurance Companies in USA<h1 class="post-title entry-title" style="font-family: Verdana,sans-serif;"><br />
</h1><div class="post-header" style="font-family: Verdana,sans-serif;"><br />
</div><br style="font-family: Verdana,sans-serif;" /><br />
<div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><img border="0" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0fAzxMdjCPJ_pqPgaT62z7lPRqz5FWkL9s28mSpVQjYOG35CcRlFOtxCQgU4qd3RkZPLB9QPMTS0JdcEOiOWvkGyJhGySj-tnAtCBHGpVvaKDns79tIXp6AuEqSmhDE5uotGAQeJiVtc/s400/Best+Auto+Insurance+Companies+in+USA.jpg" width="400" /> </div><div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"> </div><span style="font-family: Verdana,sans-serif;"><br />
There are almost lots of auto insurance companies in USA, but among them<br />
there are best 5 auto insurance companies in USA; GEICO, Progressive, <br />
Nationwide, Allstate and Infinity. These five companies cover <br />
approximate 70% market share of USA and still remain the top auto <br />
insurance companies for all kinds of USA drivers for their <br />
distinguishing characteristics. Those 5 auto insurance companies provide<br />
every coverage needed by the drivers and each of them offer cheap car <br />
insurance and they prepare insurance package for specific clients.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
After reading this post you will get the idea about the top auto <br />
insurance companies and then you will need to know how to buy cheap car <br />
insurance. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
GEICO Auto Insurance – The Best Auto Insurance Company in USA</span><br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Among the five auto insurance companies, GEICO auto insurance company is<br />
famous for its lifetime alliance with the US army and old hand group of<br />
people. GEICO offer huge facilities such as scholarships, assistance <br />
programs and donations to the retired from military and who are still in<br />
military. It also has special facilities such as cheap car insurance, <br />
low cost auto insurance and affordable car insurance for veterans and <br />
their families. The great feature of GEICO is it offers low cost car <br />
insurance that car drivers can save half of insurance premiums. They <br />
assist car drivers every 24/7 when and wherever the drivers have <br />
problems.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Progressive Auto Insurance – The Second Best Auto Insurance Companies</span><br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Progressive auto insurance is well-known for discount auto insurance <br />
because it offers a wide range of discount policies for home owners, <br />
multiple car insurance, students, mileage and online shoppers. <br />
Progressive auto insurance changes car insurance policy so that car <br />
drivers can get discount on their insurance policy easily. Another <br />
feature of Progressive auto insurance is that it can also save drivers <br />
money like drivers will save $50 immediately when they sign their first <br />
insurance documents online and has a provision for who have long term <br />
insurance. Discounts can be varied by state to state.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Nationwide Car Insurance</span><br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Nationwide offers a variety of insurance policies and claims 95% <br />
customer satisfaction. The distinguishing feature of Nationwide is that <br />
they have an auto repair network and if any driver wants to get normal <br />
life fast, they can repair their car from Nationwide repair network and <br />
can claim immediately after accidents. Nationwide also offers discounts <br />
for who purchase multiple policies, students and firms and has an <br />
excellent program of rewards to the safe drivers.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Allstate Auto Insurance</span><br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Allstate designs their insurance policies especially for teenagers and <br />
takes promise from the teen while providing low cost insurance policies.<br />
They motivate young and teen drivers by offering cheap car insurance <br />
and discount policy. They also reward teen drivers if drivers drive <br />
safe.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Infinity Auto Insurance</span><br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
In Infinity car drivers can choose their own insurance agent which may <br />
reduce the stress that the same agent always collects information, <br />
communicates with you, and the best advantage is you will get your <br />
insurance agent as soon as possible when you need. Infinity also offers <br />
discounts to good drivers, students, and to any customers who pay in <br />
full.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
These best five auto insurance companies are available in the US <br />
insurance market and try to serve their customers as best they can. You <br />
can get cheap and low cost car insurance from them and can compare cheap<br />
auto insurance online. They all offer car insurance quotes within few <br />
minutes.</span>Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-87979522978635160912014-12-23T08:54:00.001-08:002015-05-16T10:13:41.604-07:00List of Top Classic Car Insurance Companies in the USA that Offer Affordable Rates <br />
<br />
<br />
<div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;">
<img alt="List of Top Classic Car Insurance Companies in the USA that Offer Affordable Rates " border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJt6IUhXQOv_51X3sS2XDwYqJfgr4CocKB0QWSdyeIgiKXz9oC0Rp6bbJtOE9esr0mUJBnloOXWezYizerIHYKRXevR4WxAV2cgKNUAVbjbAgEOvmUisFz2XEmMa-Bqhr_ML3B_PMciOg/s400/Top+Classic+Car+Insurance+Companies.png" title="List of Top Classic Car Insurance Companies in the USA that Offer Affordable Rates " width="400" /></div>
<br style="font-family: Verdana,sans-serif;" />
<span style="font-family: Verdana,sans-serif;">Are you looking for classic car insurance? This article will offer <br />
information on some of the top classic car insurance companies their <br />
specialties are classic cars. Many owners and agents are classic car <br />
owners and collectors themselves and will understand the importance and <br />
pride that you take in your own classic car. </span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp5y7QXijcFkE5yr2-o8cP85OYteZoPaQXOEahEnL2CWpq58EbWIts-cN2ieBDJMrLRumbizl_2xCGAoFX1r8z-IQo2Uu6ydgF_9XOe1qifV_DaZMUekt9JGybYFKVtrMNiFgDRQCtRuSw/s1600/Car.insurance2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="List of Top Classic Car Insurance Companies in the USA that Offer Affordable Rates " border="0" height="397" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp5y7QXijcFkE5yr2-o8cP85OYteZoPaQXOEahEnL2CWpq58EbWIts-cN2ieBDJMrLRumbizl_2xCGAoFX1r8z-IQo2Uu6ydgF_9XOe1qifV_DaZMUekt9JGybYFKVtrMNiFgDRQCtRuSw/s400/Car.insurance2.jpg" title="List of Top Classic Car Insurance Companies in the USA that Offer Affordable Rates " width="400" /></a></div>
<br style="font-family: Verdana,sans-serif;" />
<span style="font-family: Verdana,sans-serif;"><br />
When comparing different companies and quotes, you will want to look at <br />
the different services that are offered as well as industry and customer<br />
classic car insurance reviews.</span><br />
<br />
<br />
<b style="font-family: Verdana,sans-serif;">Hagerty Classic Car Insurance</b><br />
<br />
<br style="font-family: Verdana,sans-serif;" />
<span style="font-family: Verdana,sans-serif;">The Hagerty family began the company in 1984 because they felt <br />
sufficient coverage was not available for classic boats. They <br />
eventually added classic car insurance into their business. The company<br />
has now grown from a small family owned business to a national <br />
corporation. </span><br />
<br />
<span style="font-family: Verdana,sans-serif;">
They offer unique services and benefits like specialists on standby to <br />
not only answer your insurance related questions, but also discuss <br />
different legislation that might affect the classic vehicles and give <br />
advice on repairs for your car. Hagerty also offers publications which <br />
include an in-house published magazine promoting the classic world, and a<br />
pricing guide on post-war collector cars. Another great feature is <br />
their online valuation tools. </span><br />
<br />
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<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;">If you need Information about
Insurance, Please </span><a href="http://worldinsuranceinfo.com/"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;">follow links</span></a><span class="MsoHyperlink"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;"> </span></span><a href="http://goo.gl/Fkd6nL"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.0pt;">http://goo.gl/Fkd6nL</span></a><span style="mso-bidi-font-family: Arial;"> </span></div>
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<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="http://worldinsuranceinfo.com/category/accident-sickness-and-unemployment-insurance/"><span style="font-family: "Arial",sans-serif; font-size: 9.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Accident, sickness, and
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</ul>
<br />
<b style="font-family: Verdana,sans-serif;">Grundy Classic Car Insurance</b><br />
<br />
<br style="font-family: Verdana,sans-serif;" />
<span style="font-family: Verdana,sans-serif;">Gundy is a full service auto insurance company that offers coverage <br />
for almost anything you can think of to insure. They were the first <br />
company to insure antique vehicles 65 years ago and offer value agreed <br />
policies in case of a complete loss and single liability charge that <br />
covers a collector’s entire collection instead of having to pur.</span><br />
<br />
<br />
<b style="font-family: Verdana,sans-serif;">American Collector Car Insurance</b><br />
<br />
<br style="font-family: Verdana,sans-serif;" />
<span style="font-family: Verdana,sans-serif;">Another well know classic car insurance company is American <br />
Collector. They specialize in providing insurance for classic and <br />
collector vehicles with over 30 years of experience. They provide fee <br />
online quotes and also the option to buy and manage policies online. <br />
Another extra service or policy that they provide is their TLC plan. </span><br />
<br />
<span style="font-family: Verdana,sans-serif;">
If you purchase this extra coverage, they reimburse expenses related to <br />
towing and roadside assistance. In the event that you are left stranded<br />
50 miles from home, this coverage also includes reimbursement for <br />
lodging and meals for up to five days. </span><br />
<br />
<span style="font-family: Verdana,sans-serif;"><br />
Another perk of this plan is if you were to break down on the way to a <br />
car show and miss it but have already paid a non-refundable fee, they <br />
will reimburse you for this expense. If your car is ever stolen or <br />
vandalized, with this plan, personal items that were in the vehicle as <br />
well as the vehicle itself are protected.</span><br />
<br />
<span style="font-family: Verdana,sans-serif;"><br />
There are three levels of coverage that the TLC plan offers silver, gold and platinum. </span><br />
<span style="font-family: Verdana,sans-serif;">All<br />
three of the above listed top classic car insurance companies offer <br />
agreed upon value when writing classic car insurance policies. </span><br />
<span style="font-family: Verdana,sans-serif;"><br />
This is an important aspect to consider when insuring you classic car. <br />
Most cars depreciate every year and that is something regular auto <br />
insurance companies that into consideration, but it is just the opposite<br />
when it comes to classic cars. </span><br />
<br />
<span style="font-family: Verdana,sans-serif;"><br />
With this in mind, you should know that if going with a traditional auto<br />
insurance policy, you will not receive the actual value that you feel <br />
your car is worth in the event of a complete loss. Something else you <br />
will also want to be vigilant about is increasing the value amount of <br />
you classic car every few years. </span><br />
<br />
<span style="font-family: Verdana,sans-serif;"><br />
Classic car insurance tends to be less expensive than regular auto <br />
insurance but does place restrictions on the car. There will an <br />
allotted amount of miles that the car can be driven each year as well as<br />
requirements for the storage of the vehicle. It has to be protected <br />
from the elements. </span><br />
<br />
<span style="font-family: Verdana,sans-serif;"><br />
Most companies require the driver to be at least 25 years old with a clean driving record.</span><br />
<span style="font-family: Verdana,sans-serif;">All<br />
three of these top classic car insurance companies specialize in <br />
providing unique services to its special clientele. Traditional auto <br />
insurance for your cherished classic car is just not sufficient. </span><br />
<br />
<span style="font-family: Verdana,sans-serif;">
When you go with an insurance company that specializes in classic cars, <br />
you will find a knowledgeable staff with the expertise needed and <br />
willingness to go above and beyond in finding parts and the perfect <br />
mechanic in the event your car is in need of repairs. </span><br />
<br />
<span style="font-family: Verdana,sans-serif;">
Any of these top classic car insurance companies will provide the <br />
coverage that you need, but you will want to find which company offers <br />
the services that best meet your needs and take advantage of those. <br />
Remember when paying for insurance, you are paying for service.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.blogger.com/video.g?token=AD6v5dwbrtjnu7YXfe8PXbbzagydAzl7dyyrtXR_FGCWfqBC8quhIrJlovYp7o8KfYCDb-PXxiIeiN0PrgOcRJ70YQ' class='b-hbp-video b-uploaded' frameborder='0'></iframe></div>
Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-10165526909729795422014-12-23T08:52:00.001-08:002014-12-23T08:52:50.685-08:00Enduro Motorcycles for the Beginning Motorcycle Rider <br />
<br />
<div dir="ltr" style="text-align: left;"><div class="separator" style="clear: both; text-align: center;"><img border="0" height="248" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnhmQy4bhqQhVqycMdjchM9O_Tn-ULdA74PSMAyVJrgCaLhu4VAYTs5QnOItkBGLz9j3yVFQIclkBRgHOIuxOeNA4ZuT96Le2SsTs424HaCfVtE2afNWh1dDL8G9-bgFOfZyrjCvwhohA/s400/Enduro+Motorcycles.jpg" width="400" /> </div><div class="separator" style="clear: both; text-align: center;"> </div>Deciding to ride enduro motorcycles as a beginner motorcycle rider is a <br />
great choice! Enduro motorcycles are also known as Dual Purpose or Dual <br />
Sport motorcycles, because they're street legal and off-road capable.<br />
<br />
Riding dual purpose motorcycles off road (on approved trails/fire roads)<br />
is a great way to hone your motorcycle skills.<br /><br />
<br /><br />
First of all, perhaps most importantly for some, it is highly unlikely <br />
that you'll get blindsided by a cell-phone talking delivery truck or a <br />
minivan-driving soccer mom! Also, riding in rugged terrain is both <br />
mental and physical exercise.<br /><br />
<br /><br />
Your motorcycle riding muscles - in your body and your head - will be <br />
tested and challenged unlike a street ride. Also, recovering from a <br />
spill off road is usually easier - anything is softer than concrete. <br />
This recovery also applies to your motorcycle. A spill on a street bike <br />
almost invariably required a trip to the mechanic or body shop. Not so <br />
with a dual purpose bike.<br /><br />
<br /><br />
<b>Great Fun, Great Way to Learn</b><br /><br />
<br /><br />
Just imagine! You will have the luxury of jumping on your motorcycle <br />
and enjoying a brisk street ride to arrive at a favorite off road riding<br />
area. Mountain fire roads are usually good enduro off road <br />
destinations.<br />
<br />
As a beginning motorcycle rider, I've got three great enduro motorcycles<br />
to tempt you with:<br />
<br />
<br /><br />
<ul><li>Suzuki DR200</li>
<li>Yamaha XT225</li>
<li>Kawasaki KLR250</li>
</ul>All of these cycles belong to dual purpose motorcycle lines that have <br />
been around for a long time, improving all the time. In fact, although I<br />
like the Yamaha XT 225 slightly more than the others, I can't <br />
completely recommend any one over the other two.<br /><br />
<br /><br />
They're all within about $350 price difference, two of the three are <br />
air-cooled, and they all have the benefit of hydraulic disk braking <br />
systems. Which one is best for you will depend on your seating comfort, <br />
or merely your color preference!<br />
<br />
Kawasaki KLR250 - Excellent Choice among Enduro Motorcycles for new <br />
riders<br /><br />
<br /><br />
<b>Yamaha XT225 - My Pick among Beginning Enduro Motorcycles</b><br /><br />
<br /><br />
All three of these models have front disk brakes. All are single cylinger ("thumper") engines.<br /><br />
<br /><br />
The Kawasaki stands out for a few reasons: 1) It's the most expensive of<br />
the three, 2) it has the largest engine, and 3) it's the only one with <br />
liquid cooling. Yep, the KLR250 has a radiator.<br /><br />
<br /><br />
Now, an enduro motorcycle with a radiator may be a drawback: if you <br />
suffer a good spill and the radiator gets damaged (coolant leaks out) <br />
you may very well be sunk. If you're far away on a mountain top fire <br />
road, this is no place to be.<br /><br />
<br /><br />
Granted, it's not likely, and this sort of spill isn't a casual <br />
oopsie-daisy moment, but... it can and has happened. It can strand you, <br />
far from the reaches of a rescuing bus or taxi. However, for 99.9999999%<br />
of the rest of the time, a radiator on a motorcyle prolongs engine life<br />
and is actually a good selling point.<br /><br />
<br /><br />
<b>Are Enduro Motorcycles for You?</b><br /><br />
<br /><br />
Suzuki DR 200 - Another Option among Enduro Motorcycles for new riders<br />
<br />
Enduro motorcycles are a bit different creatures from your regular <br />
street motorcycles. Enduros usually have more immediate torque (engine <br />
"wheelie power") than street cycles. I've thought that enduro engines <br />
are really 1.5 to twice the displacement their street counterparts are. A<br />
200cc enduro will feel as powerful as a 350cc street bike.<br /><br />
<br /><br />
No 250cc street bike will hold its own against a 250cc enduro at least, <br />
not down low in the powerband. Simply put, enduro motorcycles do pack a <br />
bit more whallop. Your throttle skills will really be sharpened on a <br />
dual purpose motorcycle.<br />
<br />
The riding position is also quite different on DP's than regular street <br />
motorcycles.<br /><br />
<br /><br />
On an enduro, you sit ON the bike, up high. It's a very alert, sporty <br />
position, you may prefer it. Riding a cruiser motorcycle, in comparison,<br />
puts you closer to the ground. Another benefit with enduro motorcycles <br />
regards their (or their owner's) hardiness.<br /><br />
<br /><br />
If an enduro motorcycle falls over, it's not nearly as heart-stopping <br />
as, say, a fully-faired Ninja; if a Ninja falls over, something is gonna<br />
crack or break, and it won't be cheap. Some cruiser riders will pull <br />
over to the side of the road to clean off their exhaust pipes if they <br />
happen to roll through a mud puddle and get soiled.<br /><br />
<br /><br />
Enduro motorcycle riders, on the other hand, see little mars as badges. <br />
They're not nearly as anal about the aesthetics of their motorcycles. <br />
Heck, they were made to get dirty and have fun with!<br />
<br />
<br />
</div>Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-719004139816357482014-12-23T08:51:00.001-08:002014-12-23T08:51:39.892-08:00Finding Vintage Car Insurance <div class="post-header" style="font-family: Verdana,sans-serif;"><h3 class="post-title"></h3><span class="post-date" rel="bookmark" title="permanent link"><br />
</span><br />
</div><div dir="ltr" style="font-family: Verdana,sans-serif; text-align: left;"><div class="separator" style="clear: both; text-align: center;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiT2L6nOr3SOqKR45feWUNT2Ev81CFAgUCTiuUzd0obKMQYNAOpo4Kz1sUM5XrBPTtJIMW1aq0hQiohUqhtCrIqmU4-xSgNJxcolQAIRzRQ9_cIiPCYW-yQPwlE27cuwHTPHzJIr9MztOk/s400/Finding+Vintage+Car+Insurance.jpg" width="300" /> </div><div class="separator" style="clear: both; text-align: center;"> </div>Vintage, Classic and Antique car insurance are all covered under the <br />
same type of insurance policy which is commonly known as classic car <br />
insurance. There is a distinction however in the classification of the <br />
three types of vehicles.<br /><br />
<br /><br />
The age and year manufactured will determine which category that your <br />
vehicle falls into. An antique car was manufactured before 1903.<br /><br />
<br /><br />
A vintage car falls into the range of 1903 and 1933 manufacture dates, <br />
and a classic car is considered any vehicle over thirty-five years old.<br />
The vehicles market value and condition will both play a more important <br />
role than the car’s age or classification in determining an insurance <br />
quote. Many insurance companies offer free auto insurance quotes <br />
online. You can find these with a simple search. However, if you are <br />
not having a lot of luck you may want to try alternative keywords to <br />
vintage car insurance such as classic car insurance, collector’s car <br />
insurance, and antique car insurance.<br /><br />
<br /><br />
Many sites offer insurance quotes online in as little as 90 seconds.<br />
Insurance companies will also place some restrictions on the car. There<br />
will only be an allotted amount of miles, typically around 2,5000, the <br />
car will be permitted to be driven over a one year period. Some <br />
companies do offer plans that allow for flexible rates based on the <br />
millage accrued for the year.<br /><br />
<br /><br />
Classic car insurance rates are traditionally lower because they are not<br />
out on the street being driven around every day and therefore at less <br />
risk of being in an accident. Classic car owners also tend to take <br />
better care if not meticulous car of their cherished possessions. <br />
Insurance policies often require the owner’s to keep the vehicle in a <br />
secure and protected location such as a garage. When dealing with a <br />
valuable vehicle additional requirement such as increased security and <br />
fire protection will have to be in place.<br /><br />
<br /><br />
There are a few qualifications the owner and drivers will need to meet <br />
in order to qualify for vintage or classic car insurance.<br /><br />
<br /><br />
First all drivers need to be a minimum of 25 years old and will also <br />
have to have a clean driving record. <br />
When examining different insurance quotes that you receive online, you <br />
will want to look for and find a policy that is the value is agreed upon<br />
by both the owner and insurer. In the case that something happens to <br />
your classic car, you will want to receive the full value that you feel <br />
you vehicle is worth.<br /><br />
<br /><br />
Traditional car insurance depreciates the value of a vehicle each year, <br />
which is truthfully what happens to standard everyday vehicles. However <br />
when you are talking about a classic care the opposite is what actually <br />
happens. Classic, vintage and antique cars all appreciate in value <br />
overtime if the right care and maintenance is made in order to keep them<br />
in top notch standards.<br /><br />
<br /><br />
There are many companies that specialize in classic car insurance. Many<br />
of the company owners and agents are themselves classic car lovers and <br />
collectors. They are able to offer a higher level of expertise than a <br />
traditional auto insurance company because of their knowledge base.<br /><br />
<br /><br />
They understand the importance and care that you put into you classic <br />
car and will help to find the best parts and services needed in the <br />
event of accident or repairs need to be made. Some insurance companies <br />
such as Hagerty specialize only in classic vehicles and boats.<br /><br />
<br /><br />
They are active in legislation that affects vintage car owners and even <br />
have specialists on hand to discuss these issues with you.<br />
Another aspect that you will need to look into when review any quotes <br />
that you receive are the different times that your car will still be <br />
covered but may not be physically driven. This could something such as a<br />
restoration period or during shipment out of state or overseas.<br /><br />
<br /><br />
Many insurers also sell a liability coverage that can is only one fee <br />
but covers all of your vehicles. This is something that you will want <br />
to take advantage of if you are a collector and have multiple cars that <br />
require vintage car insurance.<br />
In the end when you buy any type of insurance, you are buying a service.<br /><br />
<br /><br />
You will want to make sure that company that you eventually select to <br />
protect you can handle your needs and provide exemplary services when <br />
needed. Finding the right vintage car insurance will take time, but you <br />
will want to shop around to ensure that you receive in the end will <br />
protect you in the case of a complete loss.<br />
<br />
<br />
<br />
</div>Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0tag:blogger.com,1999:blog-5491025642845182384.post-70085168128815526212014-12-23T08:50:00.001-08:002014-12-23T08:50:16.201-08:00Top 3 Local Classic Car Insurance Quotes Online <br />
<br />
<br />
<div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhItgKLupks7wFts-CkEA8yFYguNHfwUMW7hyhCWwGinX2oDxTHWm1amCEdxYUj1Wgsv2c1VITNpOdXZ7VctQ1qTLC6czFO97XkeR5vC1BmYia9bATep1qeZdS_akPzVtEY2H_quUVf7mA/s320/Classic+Car+Insurance+Quotes+Online.jpg" width="320" /></div><span style="font-family: Verdana,sans-serif;"><br />
Many insurance companies offer free classic car insurance quotes <br />
online. You can gather several quotes to not only compare pricing but <br />
other services that insurance companies offer classic car owners.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">When comparing classic car insurance, pricing is not the only <br />
determining factor. Sure a classic car insurance quote may come back at<br />
a fabulously low price, but when you are buying insurance you are <br />
buying a service therefore you want to ensure what you receive is great <br />
quality. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
will want to compare classic car insurance by not only the quotes given, but industry and customer reviews also.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">One of the main things to look at when selecting the policy that is <br />
right for you is the way the company decides on the value of the vehicle<br />
to be insured. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
More modern cars tend to depreciate in value and traditional insurance <br />
companies take this into account. For a classic car that retains its <br />
value and even appreciates, you will want to select a policy in which <br />
the value is agreed upon by both the owner and insurance company. This <br />
will ensure that in case of a total loss, you will receive the entire <br />
value of the vehicle when a claim is paid out.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">One way to compare classic car insurance companies is with <br />
hypothetical situations to understand how they handle claims, payments <br />
and other important aspects of protecting you vehicle. Finding out how <br />
claims are processed is also an aspect that you will want to explore. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Will you be waiting weeks for a payment or is the company efficient, promising payment is just a few business days? </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Does a classic car insurance company require you to only use a mechanic <br />
from their approved list, or will you be given the option to use your <br />
trusted personal mechanic.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
What are the millage limitations and storage requirements that each insurance company places on your classic car?</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">Comparing other services offered can also help you make the best <br />
decision. There will be standard services such as road side assistance,<br />
liability coverage, and coverage when your car is being transported. <br />
Companies can also other benefits and incentives that might lure you to <br />
go with them such as no deductibles and flexible rate plans according to<br />
mileage accumulated each year.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">Some insurance companies that specialize in classic cars offer <br />
unique services that traditional car insurance companies just don’t have<br />
the knowledge to. Hagerty Classic Car Insurance even publishes its own<br />
magazine that promotes different classic cars and boats along with <br />
their owners. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
They also offer customer service representatives that you can speak with<br />
to not only answer insurance related questions, but provide support on <br />
legislative issues affecting classic car owners and repair suggestions. <br />
Another unique feature is the online valuation tools that you can use <br />
to help determine your car’s worth. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
This is especially helpful when coming up with the amount to insure a vehicle for.</span><br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">Car<br />
insurance rates in New Jersey are the second highest rates in the USA. <br />
It is a densely populated state which makes accidents more likely. <br />
Rates in New Jersey are governed by driving and credit records. If you <br />
are exemplary in both of these areas, you rates will be less <br />
expensive. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
There are several agencies in New Jersey that offer quotes online as <br />
well as nationwide classic car insurance companies that of course <br />
service New Jersey. Plymouth Rock Assurance is a New Jersey based car <br />
insurance company that offers classic car insurance quotes online. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">Florida is another state with a lot of people looking for classic <br />
car insurance. This could be because of the number of retirees that <br />
reside in the state and have taken to car collecting as a hobby. A <br />
simple online search will yield several company websites that allow you <br />
to receive classic car insurance quotes online, some in as little as 90 <br />
seconds. Heacock Classic Car Insurance Company is a Florida based <br />
insurance agency that offers free online quotes.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">Classic car insurance in Ireland follows many of the same standards <br />
that it does in the USA. There are multiple companies that will give <br />
free classic car quotes online. In Ireland, most classic cars are <br />
exempt from the compulsory NCT test that is required every three years <br />
manufactured after 1980 although you should make sure that your car is <br />
always safe for the roadways. A classic car that is in good, well-kept <br />
condition will almost always receive a better insurance rate. </span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;"><br />
Here are a few Ireland insurance companies that offer classic car <br />
insurance: Classic & Collectable Club Insurance Ltd, Carole Nash, <br />
Axa Insurance, First Ireland, O'Riordan Insurances, Cork, Brophy & <br />
Co Insurances Ltd.</span><br style="font-family: Verdana,sans-serif;" /><br />
<br style="font-family: Verdana,sans-serif;" /><span style="font-family: Verdana,sans-serif;">No matter where you reside, you will want to get different classic <br />
car insurance quotes online and compare the quotes and companies to <br />
ensure that you are not only getting the best rate, but the services <br />
that fit your needs for the money that you are paying.</span>Khondoker Hafizur Rahmanhttp://www.blogger.com/profile/04575116090005239884noreply@blogger.com0