10 Tips to Save Money on Life Insurance

Life insurance, also known as life assurance
or term assurance 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.
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.

1. Whole of life insurance. 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.
2. Level term life insurance. 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.
3. Decreasing term insurance. 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.
4. Single or joint life insurance? 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.
5. Critical illness. 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.
6. Go smoke free. 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.
7. How much cover do you need? 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.
8. It is also worth checking if you already have some life insurance with savings 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.
9. Life policy in trust. 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.
10. Waiver of premium. 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.

Shop around for the best life insurance deal

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.

Using a Life Insurance Broker to get a Quote

Compare brokers as you would direct insurance policies. Get quotes from a couple of brokers to compare prices and policies.

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Where you stand with your travel insurance

Booked 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!
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.
What happens if you get there and you can’t ski because there’s no snow?
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.
What happens if you can’t travel because of too much snow?
It might seem like the deepest of ironies to get stranded at home, in the UK, in a snowdrift, but it does happen.
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.
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.
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.
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.
What if there’s so much snow that you can’t get to your resort?
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.
What happens if you hit the wrong type of snow?
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.
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.

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Tricks and tactics to cut the cost or How to get cheap car insurance?

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.

Even we can't make this dirt cheap

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.

Third Party

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.
Third Party covers you for any damage you cause to another person's vehicle and protection for any passengers in your car.
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.
It’s generally the most suitable for those…

• With cars worth less than £1000
• Aged under 25
• Without a no-claims bonus
• Or living in a high risk area

Third Party Fire and Theft

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.

Fully Comprehensive

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.
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.
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.
There are a few ways of cutting the cost of fully-comprehensive cover, Tesco Value 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 Cheapest Car Insurance article to check.

Don’t think third party’s cheaper than comprehensive

Counter logically lesser third-party policies often cost more than fully-comp.
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.
Yet this isn’t a hard rule, third-party can win, but for price’s sake always check comprehensive out too, use the main Cheap Car Insurance guide to compare.

Reduce your risk, reduce your cost

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.
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:

• Park and drive carefully
  
  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.
  
  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.
  
  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!



• Add a second person to an under-25s / high risk drivers insurance
  
  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.
  
  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.
  
• Pick a car
  
  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.
  
• Fit a security device
  
  Any extra security will help, fitting an alarm or immobilizer (especially one approved by Thatcham) will reduce the bill substantially.
  
• Don’t modify your car
  
  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.
  
• Reduce your mileage
  
  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 Cheap Trains 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.
  
• Inform your insurer of any changes in circumstances
  
  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.
  
  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.

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.

Tips and tricks for lowering car insurance costs

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.

• Get a ‘new’ quote from your existing insurer
  
  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.
  
• Consider how much you’d really claim for?
  
  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.
  
  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.
  
• Drive someone else’s car on your insurance
  
  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.
  
• New car, free insurance
  
  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.
  
  
• New Driver? Take an additional driving course
  
  PassPlus 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.
  
  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 taking part). Once you have the certificate some insurers 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.

Extra tips for no claimers

• No-claims discounts don't necessarily reduce the premium
  
  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.
  
  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.
  
• Try to keep your no-claims if switching from a company car to a private car
  
  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.
  
  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 Car Insurance guide.
  
  The overall tactic I would suggest is first of all use the Cheapest Car Insurance 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.

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Best 5 Auto Insurance Companies in USA

 

 

There are almost lots of auto insurance companies in USA, but among them
there are best 5 auto insurance companies  in USA; GEICO, Progressive,
Nationwide, Allstate and Infinity. These five companies cover
approximate 70% market share of USA and still remain the top auto
insurance companies for all kinds of USA drivers for their
distinguishing characteristics. Those 5 auto insurance companies provide
every coverage needed by the drivers and each of them offer cheap car
insurance and they prepare insurance package for specific clients.



After reading this post you will get the idea about the top auto
insurance companies and then you will need to know how to buy cheap car
insurance.



GEICO Auto Insurance – The Best Auto Insurance Company in USA

Among the five auto insurance companies, GEICO auto insurance company is
famous for its lifetime alliance with the US army and old hand group of
people. GEICO offer huge facilities such as scholarships, assistance
programs and donations to the retired from military and who are still in
military. It also has special facilities such as cheap car insurance,
low cost auto insurance and affordable car insurance for veterans and
their families. The great feature of GEICO is it offers low cost car
insurance that car drivers can save half of insurance premiums. They
assist car drivers every 24/7 when and wherever the drivers have
problems.



Progressive Auto Insurance – The Second Best Auto Insurance Companies

Progressive auto insurance is well-known for discount auto insurance
because it offers a wide range of discount policies for home owners,
multiple car insurance, students, mileage and online shoppers.
Progressive auto insurance changes car insurance policy so that car
drivers can get discount on their insurance policy easily. Another
feature of Progressive auto insurance is that it can also save drivers
money like drivers will save $50 immediately when they sign their first
insurance documents online and has a provision for who have long term
insurance. Discounts can be varied by state to state.



Nationwide Car Insurance

Nationwide offers a variety of insurance policies and claims 95%
customer satisfaction. The distinguishing feature of Nationwide is that
they have an auto repair network and if any driver wants to get normal
life fast, they can repair their car from Nationwide repair network and
can claim immediately after accidents. Nationwide also offers discounts
for who purchase multiple policies, students and firms and has an
excellent program of rewards to the safe drivers.



Allstate Auto Insurance

Allstate designs their insurance policies especially for teenagers and
takes promise from the teen while providing low cost insurance policies.
They motivate young and teen drivers by offering cheap car insurance
and discount policy. They also reward teen drivers if drivers drive
safe.



Infinity Auto Insurance

In Infinity car drivers can choose their own insurance agent which may
reduce the stress that the same agent always collects information,
communicates with you, and the best advantage is you will get your
insurance agent as soon as possible when you need. Infinity also offers
discounts to good drivers, students, and to any customers who pay in
full.



These best five auto insurance companies are available in the US
insurance market and try to serve their customers as best they can. You
can get cheap and low cost car insurance from them and can compare cheap
auto insurance online. They all offer car insurance quotes within few
minutes.

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List of Top Classic Car Insurance Companies in the USA that Offer Affordable Rates

Are you looking for classic car insurance?  This article will offer
information on some of the top classic car insurance companies their
specialties are classic cars.  Many owners and agents are classic car
owners and collectors themselves and will understand the importance and
pride that you take in your own classic car. 

When comparing different companies and quotes, you will want to look at
the different services that are offered as well as industry and customer
classic car insurance reviews.


Hagerty Classic Car Insurance


The Hagerty family began the company in 1984 because they felt
sufficient coverage was not available for classic boats.  They
eventually added classic car insurance into their business.  The company
has now grown from a small family owned business to a national
corporation. 

They offer unique services and benefits like specialists on standby to
not only answer your insurance related questions, but also discuss
different legislation that might affect the classic vehicles and give
advice on repairs for your car.  Hagerty also offers publications which
include an in-house published magazine promoting the classic world, and a
pricing guide on post-war collector cars.  Another great feature is
their online valuation tools.

If you need Information about Insurance, Please follow links http://goo.gl/Fkd6nL

• Accident, sickness, and unemployment insurance
• Auto insurance
• Burial insurance
• Car insurance
• Gap insurance
• Health insurance
• Liability insurance
• Life insurance
• Other types of Insurance
• Pet Insurance
• Property insurance
• Travel Insurance
• Visitor Insurance

Grundy Classic Car Insurance


Gundy is a full service auto insurance company that offers coverage
for almost anything you can think of to insure.  They were the first
company to insure antique vehicles 65 years ago and offer value agreed
policies in case of a complete loss and single liability charge that
covers a collector’s entire collection instead of having to pur.


American Collector Car Insurance


Another well know classic car insurance company is American
Collector. They specialize in providing insurance for classic and
collector vehicles with over 30 years of experience.  They provide fee
online quotes and also the option to buy and manage policies online. 
Another extra service or policy that they provide is their TLC plan. 

If you purchase this extra coverage, they reimburse expenses related to
towing and roadside assistance.  In the event that you are left stranded
50 miles from home, this coverage also includes reimbursement for
lodging and meals for up to five days. 


Another perk of this plan is if you were to break down on the way to a
car show and miss it but have already paid a non-refundable fee, they
will reimburse you for this expense.  If your car is ever stolen or
vandalized, with this plan, personal items that were in the vehicle as
well as the vehicle itself are protected.


There are three levels of coverage that the TLC plan offers silver, gold and platinum.
All
three of the above listed top classic car insurance companies offer
agreed upon value when writing classic car insurance policies. 

This is an important aspect to consider when insuring you classic car. 
Most cars depreciate every year and that is something regular auto
insurance companies that into consideration, but it is just the opposite
when it comes to classic cars. 


With this in mind, you should know that if going with a traditional auto
insurance policy, you will not receive the actual value that you feel
your car is worth in the event of a complete loss.  Something else you
will also want to be vigilant about is increasing the value amount of
you classic car every few years. 


Classic car insurance tends to be less expensive than regular auto
insurance but does place restrictions on the car.  There will an
allotted amount of miles that the car can be driven each year as well as
requirements for the storage of the vehicle.  It has to be protected
from the elements. 


Most companies require the driver to be at least 25 years old with a clean driving record.
All
three of these top classic car insurance companies specialize in
providing unique services to its special clientele.  Traditional auto
insurance for your cherished classic car is just not sufficient. 

When you go with an insurance company that specializes in classic cars,
you will find a knowledgeable staff with the expertise needed and
willingness to go above and beyond in finding parts and the perfect
mechanic in the event your car is in need of repairs. 

Any of these top classic car insurance companies will provide the
coverage that you need, but you will want to find which company offers
the services that best meet your needs and take advantage of those. 
Remember when paying for insurance, you are paying for service.

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Enduro Motorcycles for the Beginning Motorcycle Rider

 

 

Deciding to ride enduro motorcycles as a beginner motorcycle rider is a
great choice! Enduro motorcycles are also known as Dual Purpose or Dual
Sport motorcycles, because they're street legal and off-road capable.

Riding dual purpose motorcycles off road (on approved trails/fire roads)
is a great way to hone your motorcycle skills.



First of all, perhaps most importantly for some, it is highly unlikely
that you'll get blindsided by a cell-phone talking delivery truck or a
minivan-driving soccer mom! Also, riding in rugged terrain is both
mental and physical exercise.



Your motorcycle riding muscles - in your body and your head - will be
tested and challenged unlike a street ride. Also, recovering from a
spill off road is usually easier - anything is softer than concrete.
This recovery also applies to your motorcycle. A spill on a street bike
almost invariably required a trip to the mechanic or body shop. Not so
with a dual purpose bike.



 Great Fun, Great Way to Learn



 Just imagine! You will have the luxury of jumping on your motorcycle
and enjoying a brisk street ride to arrive at a favorite off road riding
area. Mountain fire roads are usually good enduro off road
destinations.

As a beginning motorcycle rider, I've got three great enduro motorcycles
to tempt you with:

• Suzuki DR200
• Yamaha XT225
• Kawasaki KLR250

All of these cycles belong to dual purpose motorcycle lines that have
been around for a long time, improving all the time. In fact, although I
like the Yamaha XT 225 slightly more than the others, I can't
completely recommend any one over the other two.



They're all within about $350 price difference, two of the three are
air-cooled, and they all have the benefit of hydraulic disk braking
systems. Which one is best for you will depend on your seating comfort,
or merely your color preference!

Kawasaki KLR250 - Excellent Choice among Enduro Motorcycles for new
riders



Yamaha XT225 - My Pick among Beginning Enduro Motorcycles



All three of these models have front disk brakes. All are single cylinger ("thumper") engines.



The Kawasaki stands out for a few reasons: 1) It's the most expensive of
the three, 2) it has the largest engine, and 3) it's the only one with
liquid cooling. Yep, the KLR250 has a radiator.



Now, an enduro motorcycle with a radiator may be a drawback: if you
suffer a good spill and the radiator gets damaged (coolant leaks out)
you may very well be sunk. If you're far away on a mountain top fire
road, this is no place to be.



Granted, it's not likely, and this sort of spill isn't a casual
oopsie-daisy moment, but... it can and has happened. It can strand you,
far from the reaches of a rescuing bus or taxi. However, for 99.9999999%
of the rest of the time, a radiator on a motorcyle prolongs engine life
and is actually a good selling point.



Are Enduro Motorcycles for You?



Suzuki DR 200 - Another Option among Enduro Motorcycles for new riders

Enduro motorcycles are a bit different creatures from your regular
street motorcycles. Enduros usually have more immediate torque (engine
"wheelie power") than street cycles. I've thought that enduro engines
are really 1.5 to twice the displacement their street counterparts are. A
200cc enduro will feel as powerful as a 350cc street bike.



No 250cc street bike will hold its own against a 250cc enduro at least,
not down low in the powerband. Simply put, enduro motorcycles do pack a
bit more whallop. Your throttle skills will really be sharpened on a
dual purpose motorcycle.

The riding position is also quite different on DP's than regular street
motorcycles.



 On an enduro, you sit ON the bike, up high. It's a very alert, sporty
position, you may prefer it. Riding a cruiser motorcycle, in comparison,
puts you closer to the ground. Another benefit with enduro motorcycles
regards their (or their owner's) hardiness.



If an enduro motorcycle falls over, it's not nearly as heart-stopping
as, say, a fully-faired Ninja; if a Ninja falls over, something is gonna
crack or break, and it won't be cheap. Some cruiser riders will pull
over to the side of the road to clean off their exhaust pipes if they
happen to roll through a mud puddle and get soiled.



Enduro motorcycle riders, on the other hand, see little mars as badges.
They're not nearly as anal about the aesthetics of their motorcycles.
Heck, they were made to get dirty and have fun with!

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Finding Vintage Car Insurance

 

 

Vintage, Classic and Antique car insurance are all covered under the
same type of insurance policy which is commonly known as classic car
insurance. There is a distinction however in the classification of the
three types of vehicles.



 The age and year manufactured will determine which category that your
vehicle falls into. An antique car was manufactured before 1903.



A vintage car falls into the range of 1903 and 1933 manufacture dates,
and a classic car is considered any vehicle over thirty-five years old.
The vehicles market value and condition will both play a more important
role than the car’s age or classification in determining an insurance
quote. Many insurance companies offer free auto insurance quotes
online. You can find these with a simple search. However, if you are
not having a lot of luck you may want to try alternative keywords to
vintage car insurance such as classic car insurance, collector’s car
insurance, and antique car insurance.



 Many sites offer insurance quotes online in as little as 90 seconds.
Insurance companies will also place some restrictions on the car. There
will only be an allotted amount of miles, typically around 2,5000, the
car will be permitted to be driven over a one year period. Some
companies do offer plans that allow for flexible rates based on the
millage accrued for the year.



Classic car insurance rates are traditionally lower because they are not
out on the street being driven around every day and therefore at less
risk of being in an accident. Classic car owners also tend to take
better care if not meticulous car of their cherished possessions.
Insurance policies often require the owner’s to keep the vehicle in a
secure and protected location such as a garage. When dealing with a
valuable vehicle additional requirement such as increased security and
fire protection will have to be in place.



 There are a few qualifications the owner and drivers will need to meet
in order to qualify for vintage or classic car insurance.



First all drivers need to be a minimum of 25 years old and will also
have to have a clean driving record.
When examining different insurance quotes that you receive online, you
will want to look for and find a policy that is the value is agreed upon
by both the owner and insurer. In the case that something happens to
your classic car, you will want to receive the full value that you feel
you vehicle is worth.



Traditional car insurance depreciates the value of a vehicle each year,
which is truthfully what happens to standard everyday vehicles. However
when you are talking about a classic care the opposite is what actually
happens. Classic, vintage and antique cars all appreciate in value
overtime if the right care and maintenance is made in order to keep them
in top notch standards.



There are many companies that specialize in classic car insurance. Many
of the company owners and agents are themselves classic car lovers and
collectors. They are able to offer a higher level of expertise than a
traditional auto insurance company because of their knowledge base.



They understand the importance and care that you put into you classic
car and will help to find the best parts and services needed in the
event of accident or repairs need to be made. Some insurance companies
such as Hagerty specialize only in classic vehicles and boats.



They are active in legislation that affects vintage car owners and even
have specialists on hand to discuss these issues with you.
Another aspect that you will need to look into when review any quotes
that you receive are the different times that your car will still be
covered but may not be physically driven. This could something such as a
restoration period or during shipment out of state or overseas.



Many insurers also sell a liability coverage that can is only one fee
but covers all of your vehicles. This is something that you will want
to take advantage of if you are a collector and have multiple cars that
require vintage car insurance.
In the end when you buy any type of insurance, you are buying a service.



You will want to make sure that company that you eventually select to
protect you can handle your needs and provide exemplary services when
needed. Finding the right vintage car insurance will take time, but you
will want to shop around to ensure that you receive in the end will
protect you in the case of a complete loss.

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Top 3 Local Classic Car Insurance Quotes Online

Many insurance companies offer free classic car insurance quotes
online.  You can gather several quotes to not only compare pricing but
other services that insurance companies offer classic car owners.


When comparing classic car insurance, pricing is not the only
determining factor.  Sure a classic car insurance quote may come back at
a fabulously low price, but when you are buying insurance you are
buying a service therefore you want to ensure what you receive is great
quality. 



will want to compare classic car insurance by not only the quotes given, but industry and customer reviews also.


One of the main things to look at when selecting the policy that is
right for you is the way the company decides on the value of the vehicle
to be insured. 



More modern cars tend to depreciate in value and traditional insurance
companies take this into account.  For a classic car that retains its
value and even appreciates, you will want to select a policy in which
the value is agreed upon by both the owner and insurance company.  This
will ensure that in case of a total loss, you will receive the entire
value of the vehicle when a claim is paid out.


One way to compare classic car insurance companies is with
hypothetical situations to understand how they handle claims, payments
and other important aspects of protecting you vehicle.  Finding out how
claims are processed is also an aspect that you will want to explore. 



Will you be waiting weeks for a payment or is the company efficient, promising payment is just a few business days? 



Does a classic car insurance company require you to only use a mechanic
from their approved list, or will you be given the option to use your
trusted personal mechanic.



What are the millage limitations and storage requirements that each insurance company places on your classic car?


Comparing other services offered can also help you make the best
decision.  There will be standard services such as road side assistance,
liability coverage, and coverage when your car is being transported. 
Companies can also other benefits and incentives that might lure you to
go with them such as no deductibles and flexible rate plans according to
mileage accumulated each year.


Some insurance companies that specialize in classic cars offer
unique services that traditional car insurance companies just don’t have
the knowledge to.  Hagerty Classic Car Insurance even publishes its own
magazine that promotes different classic cars and boats along with
their owners. 



They also offer customer service representatives that you can speak with
to not only answer insurance related questions, but provide support on
legislative issues affecting classic car owners and repair suggestions. 
Another unique feature is the online valuation tools that you can use
to help determine your car’s worth. 



This is especially helpful when coming up with the amount to insure a vehicle for.
Car
insurance rates in New Jersey are the second highest rates in the USA. 
It is a densely populated state which makes accidents more likely.
Rates in New Jersey are governed by driving and credit records.  If you
are exemplary in both of these areas, you rates will be less
expensive.   



There are several agencies in New Jersey that offer quotes online as
well as nationwide classic car insurance companies that of course
service New Jersey.  Plymouth Rock Assurance is a New Jersey based car
insurance company that offers classic car insurance quotes online.


Florida is another state with a lot of people looking for classic
car insurance.  This could be because of the number of retirees that
reside in the state and have taken to car collecting as a hobby.  A
simple online search will yield several company websites that allow you
to receive classic car insurance quotes online, some in as little as 90
seconds. Heacock Classic Car Insurance Company is a Florida based
insurance agency that offers free online quotes.


Classic car insurance in Ireland follows many of the same standards
that it does in the USA.  There are multiple companies that will give
free classic car quotes online.  In Ireland, most classic cars are
exempt from the compulsory NCT test that is required every three years
manufactured after 1980 although you should make sure that your car is
always safe for the roadways.  A classic car that is in good, well-kept
condition will almost always receive a better insurance rate. 



Here are a few Ireland insurance companies that offer classic car
insurance: Classic & Collectable Club Insurance Ltd, Carole Nash,
Axa Insurance, First Ireland, O'Riordan Insurances, Cork, Brophy &
Co Insurances Ltd.


No matter where you reside, you will want to get different classic
car insurance quotes online and compare the quotes and companies to
ensure that you are not only getting the best rate, but the services
that fit your needs for the money that you are paying.

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