September 29

Top 10 Ways To Lower Auto Insurance Costs

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Auto insurance is an important industry which spreads costs and risks across all parties so that a person pays an average for his class.

You can save money by using these tips.

1. Firstly, see if you can move into a class which pays less. Perhaps you have a safe driver discount, or a good student discount, or are married, or in the military. Ask your current insurance company about these kinds of discounts they may have .

2. Consider raising your deductibles. Here you have to reason about what you might be comfortable paying in case of an accident.

3. Lower your limits of liability. Again you have to consider what level is appropriate to cover.

4. Consider how likely you are to take advantage of a tow option, or extended tow option, and eliminate unnecessary options.

5. For rental car reimbursement, consider that the average rate is $15-19 per day (for basic transportation), and again you need to assess the likelihood of you being in an accident and how much you might want to pay then as opposed to now (actually, over time in the monthly payments).

6. Grow older! Getting into a new age bracket, approximately every 5 years, will generally get you a lower cost, although the last major age for reductions is 35.

7. Analyze and change your commute patterns. The longer your commute, the higher your insurance costs. Try carpooling or public transportation.

8. Reduce your annual mileage. As above, consider carpooling or using more public transportation. On weekends, do more biking and walking. Eliminate excess trips; make errands more efficient by grouping trips together that are in the same vicinity.

9. Drive carefully. Keep you accident levels down to zero, if possible. Note that accidents which are not attributable to you will not count against you.

10. Get competitive rates, Insurance companies love people to stay a long time, but they dont always provide them with the hottest lowest prices. So you need to get new quotes every now and then.

So with todays technology, the easiest way (and, really, by far the easiest way) is to get quotes online.

Online Auto Insurance Quotes from – get started today saving money.

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September 28

Choosing Your Broker for Availing the Right Car Insurance

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If you have a vehicle, auto insurance is very important. Most of the countries have regulations that require you to carry auto insurance. On absence of insurance policy, any sort of accident caused can lead for huge financial liability to you and can be sued. Car insurance can cover your vehicle on occurrence of any accidents, or natural disasters like storm, earthquake or if it is vandalized or stolen.

Choosing the best car insurance policy from various insurance companies is a tough task. There is a practical difficulty to visit various insurance companies and get the quotes. One company’s quote may differ from the other. Sometimes, a company can have an additional coverage that the other one might not have.

Mostly it would be your working hours that you need to compromise in finding out a car insurance policy and that add pressure to your work life. In this situation, it is advisable to find a reliable broker that can help you in finding a suitable insurance policy. All you have to do is to fill up the form provided by the insurer. You have to give the required quote in their form and they can help you out to find the right insurance company. You can search a reliable broker online in South Africa instead of visiting across various places.

They will ask you to give your basic contact details like Name, Surname, Mobile and E-mail address. You can also provide the convenient time calling you. These brokers are specialists that can have wide range of insurance companies that provide car insurance policy of varied types and additional features. Choosing a right insurance broker is very much important for you. When you search online, you can a number of websites. You need to be careful not to be prone to any bogus broker that will not only take your contact details, but can charge you irrationally. If you are looking for a professional and skilled insurance broker that can provide you with right insurance solutions, choose Insurance Options, one of the largest insurers in South Africa. You can contact them by filling up your details provided in its website. The broker will call you for giving the right quote matching your requirement. Insurance Options can help you to save your car insurance, with quick turnaround time and assisting you for all the procedures in availing the insurance policy. What more, you can be able to save up to 29% on your car insurance.

Resource

The author of the article has an extensive experience Business, Insurance Jobs in Johannesburg Especially in the field of Building Insurance Companies & Insurance South Africa.

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September 28

Heritage Motors Customer Testimonial

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Are looking to buy a used car or truck? My name is John Sellers and I recently had the pleasure of buying a used car and truck from Steve Curry at Heritage Motors in Medford Oregon.

We moved back to the valley in August of 2009 after leaving in 1983. I was in the need of a truck for my construction business that I could use to drive to and from job sites and to do hauling with. I was referred to Steve at Heritage by multiple members of my family. In the last 20 years they had bought over 10 cars from him.

Visiting the lot came with the normal trepidation that comes with buying a car. However, I was very comfortable with Steve and told him what I was looking for and that I was prepared to spend about $16,000. After carefully listening to me, he recommended that I get two vehicles. One would be a work truck that was older so I did not have to worry about it getting scratched and that would have great hauling power. The other would be a more comfortable car for driving around town.

I loved the idea, but the first words out of my mouth were “I am not spending more then $16,000!” Steve said with a smile on his face “John, if you like the car & truck that I am thinking about, you will spend less than $13,000”.

Well, needless to say, I got a great deal on two vehicles and I spent less than $12,500. The truck is an F250 that is a real work horse and the car is a Jeep Cherokee. It has been 4 months and having both vehicles has worked out even better than expected. In fact, my wife likes the Jeep so much that she is making me drive her Suburban!

I highly recommend that if you are thinking about buying a used car or truck from a dealer in Southern Oregon that you visit Steve Curry at Heritage Motors in Medford. Please let him know I recommended him.

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September 28

The Importance Of Car Insurance For Every Car Owner

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Buying car insurance is the most important thing to do after you buy a car. No matter which car you have or how safe your parking spot is, having a comprehensive car insurance policy is integral to any owner. You’re left vulnerable without it and end up being financially accountable for any damage that your car goes through. If you buy a car insurance policy, at least you have the insurance provider to help you out whenever needed. These days not owning insurance is just not an option, you never know what could happen, and car insurance is a guarantee that whatever happens can be taken care of.

There is so much variety in the car insurance sector that you can always find a car insurance policy that’s just perfect for you. With policies that include your family as well, you can even protect your loved ones when they travel in the vehicle. Aspects like third party liability ensure that if someone else is injured in an accident that you were involved in, your car insurance policy treats them as well. This feature is now compulsory for any car insurance nowadays and no matter how much your policy costs, your insurance provider has pay off any third party liability there is.

Medical costs are a big advantage of car insurance policies. If you have an accident and need treatment, your insurance company will pay for all the costs. With the rising medical prices, this a huge weight off most of our shoulders. Because of this clause, if something untoward should happen you can at least just concentrate to getting completely better instead of worrying yourself over financial matters. Being one of the most important advantages, this part of a car insurance policy can end up saving your life or your loved ones’.

Buy a car insurance policy to protect your car, your family and yourself. You never know what could go wrong and it’s always better to be prepared for anything. Car insurance is what helps you know that it’s always better to safe than sorry. No matter damage your car goes through, or even if it gets stolen, your insurance provider is there to compensate your loss. Buy a good policy and breathe easy knowing that you’re safe and protected. Car insurance is the most responsible decision a car owner has to make.

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Pranav Sharma is an insurance agent based in Mumbai; Pranav assists individuals and corporates in purchasing the right Car Insurance online & often shares his insights about the general insurance industry on internet.

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September 27

Quick Tips For Finding Cheap Motor Car Insurance

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Finding cheap motor car insurance is not very difficult.. Finding the correct type of motor car insurance that perfectly fits your situation and desired amount of coverage can be a little harder. With all the policies and quotes that you see online and in person, how do you know which insurance is best for you and your family? Here are some tips that will help you get the best deal on motor car insurance.

Many people don’t seem to know that you can get cheaper motor car insurance by following fairly simple suggestions. One of the first things you will want to do is get some price quotes online. Almost every motor car insurance broker these days offers free quick quotes on a website. These quotes will let you compare offers between brokers to see who offers the best deal, though they aren’t usually very extensive and inclusive of details. Getting around four or five price quotes should be more than enough. Once these quotes arrive look over them very carefully weighing each offer individually. Compare them to what you are currently paying and see if a better deal exists. Look over each offer and see what is covered and what is not. Always remember that the cheapest price does not mean the best deal. It is quite possible a better deal will exist for you for your desired amount of coverage.

Saving on motor car insurance can also be done by following these simple tips as well. Raise the deductible on your motor car insurance. By raising the deductible you will lower your insurance premiums. The main reason for this is that you are going to assume more of the burden in case of an accident. Another way to lower your motor car insurance is by keeping your vehicle off the street and in a secure location like a locked garage. Motor car insurance brokers like to see people being proactive when it comes to protecting their vehicle and themselves. Taking defensive driving courses can also lower your motor car insurance premiums as well. Every little bit helps.

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September 27

Company Cars – How Your Company Car Affects The Tax You Pay

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First of all, lets see how Company Car Tax works

If you drive a Company Car, you are liable to pay tax as it is classed as a Benefit In Kind.

Company Car Tax or Benefit In Kind Tax must be paid on your company car if you, or a member of your family, use it for private use. This would include travelling to and from your place of work. If you drive a company van, the rules are slightly different in that you should not be liable for tax if the only private use is to go between work and home.

How much Company Car Tax will you have to pay?

There are a number of things that affect how much Company Car Tax you pay. The Benefit In Kind tax you pay on your Company Car is based on the P11D value of the car (its list price including any extras or options), the CO2 Emissions of the car (the lower the better), the rate you pay tax on your income, and whether your car can run on an alternative fuel. Furthermore, if your employer provides you with fuel and you use some of it for personal travel, you would also be liable for Benefit In Kind tax on this Car Fuel Benefit.

Further Information on Company Car Tax & Benefit In Kind

To help you work out how much Company Car Tax and Car Fuel Tax you will have to pay, why not check out the Company Car Tax Calculator provided by HM Revenue & Customs. Also, there is a Government website all about Company Cars which provides useful information and guidance for both employees and employers. It explains the rules about Tax and National Insurance relating to Company Cars and company car fuel. Changes in the rules relating to Company Car Tax are usually declared at Budget time. If youre interested in finding out how future changes might affect you, take a look at the Governments Forthcoming Changes To Car Benefit site.

Of course, there is a way to avoid paying Company Car Tax altogether, and its not illegal! If your employer gives you the choice of having either a Company Car or a Company Car Allowance, you could choose the cash alternative, lease or purchase your own vehicle, and then claim an amount back from your employer for business mileage (currently at a Government set rate of 40p per mile). You might like to check out the sister article to this one, called Company Car Or Company Car Allowance – Which Should I Choose?, which explains the benefits and disadvantages of each option.

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September 26

The Importance of Showroom Interior Design

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Building developers understand the importance of a well-decorated showroom; indeed, showroom interior design is the most important facet when it comes to securing sales for new housing developments. Consequently, interior design must be fundamental to the priorities of all property developers who want to be successful within the housing market.

However, property development is a time-consuming, complicated process; property developers frequently find it difficult to set aside time to perfect the interior design of their showrooms. More often than not, the interior design requirements of a showroom property must be subcontracted to specialist companies.

Successful showrooms take time to develop and need the professional expertise of an organisation that understands the difficulty of the task. Interior design is an artistic process the goal of which is to capture attention and imbue potential buyers with the imagination to conceive of a lifestyle choice that pertains to the development being viewed – this is the aim of the showroom, to make potential buyers feel that they belong to the concept elicited by the home. Showroom interior design has a proven track record in maximising sales appeal, and thus can -make-or-break’ a developer’s dreams.

Comprehensive interior design processes will include consultations between developers and designers in order to capture the essence of the lifestyle that is being designed. Budgets vary, but at very little cost, interior design can return huge revenues. Enhancing the saleability of the property beyond, even, the imagination of the developer – a well-presented showroom can maximise sale potential well beyond projected figures. Presentation really is the key to selling property, regardless of whether this is a single property or a whole complex.

A comprehensive showroom design will consist of delivery of all furnishings, as well as their arrangement in a way that is aesthetically pleasing. Finishing touches and embellishments must be thoroughly thought out and planned – using a professional interior designer, who understands the market and has a proven record, is essential for any developer wishing to flourish within the property market. Designers must be current and understand the intricacies of current interior trends in order to ensure that they undertake a project where the results will speak for themselves.

Emblem Furniture is one such designer, offering comprehensive showroom interior design packages intended to increase sales potential. Not only are all furnishings provided, the showrooms are fully designed and assembled using concept designs. Working closely with developers to ensure that their visions come to light in the most stylish and fashionable creations imaginable, Emblem Furniture can create scenes that once seen, are never forgotten, all showrooms are designed according to market requirements and in reference to consultation with developers. Creating designs that reflect both current trends, and the wishes of the developer.

Visit for more information

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September 25

Auto Insurance Claims – An Auto Insurance Claims Walkthrough

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Getting in a car accident can be a very upsetting experience to say the least, and dealing with the aftermath can be equally upsetting. At least the car accident is over in seconds. Auto insurance claims can take weeks to be finalized. Making it through the process will be much easier if you have an idea of how to file an auto insurance claim.

After the accident the first thing you should do is to make sure no one is injured. The next thing to do is to call the police. Even if the accident is minor the police should be called. They will be an impartial witness to the accident and make sure that all of the paperwork is handled correctly.

The next step is to exchange information .This means you should get, and give, all drivers license information, insurance information, and the license plate number. It is also very important to get the telephone number of the other driver. This is also a good time to look for any witnesses to the accident. If there are witnesses ask them if they are willing to testify as to what they saw. If you are at fault, and you know it, then let the other party seek witness corroboration.

After exchanging auto insurance information and getting witness contact information the next thing to do is to call your own car insurance company. The person you speak with will walk you through the exact process for filing a claim.

This is a good time to ask your car insurance representative what to say if the other person’s insurance company calls you. They may tell you not to say anything except to have them contact your auto insurance representative. Do not deviate from this if it is what they advise regardless of what the other person’s insurance company says you have to do.

After this the adjuster will come to assess the damage to your vehicle. The insurance company will write you a check for this amount, minus your deductible, and you can have your car repaired.

If there is any dispute about the costs of the repair you should call your car insurance company and file a dispute. If this proves to be ineffective then call your state’s Division of Insurance and lodge a complaint which will be investigated. Hopefully any auto insurance claims you have to file will go through smoothly and you can disregard this advice, but if not now you know what to do.

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September 25

MAHA USA Automotive Lifts Solutions

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With over 40 years of experience, MAHA USA is the premier US manufacturer of German-engineered automotive lifts. Their renowned technology and reputation for quality has made their automotive lifts some of the best across the board, used by automotive repair shops, car dealership service facilities, and OEMs.

MAHA USAs automotive lifts meet strict industry standards and are famous for their high quality designs and safety features. From drawing board to assembly line, their automotive lifts are relied upon by major car manufacturers for their reliability and state-of-the-art design.

Now more than ever, automotive lifts are in great demand because people are hanging on to their cars longer, and repairing them, rather than trading them in, or leasing new vehicles. The automotive repair and body shop industries are expanding rapidly, adding more repair bays to handle increased demand. This has simultaneously increased demand for automotive lifts, because it is less costly to make minor repairs, rather than start from scratch with a brand new car. Additionally, people are more conscious of maintenance, using less costly quick-lube service locations, which make good use of automotive lifts, rather than going to a more expensive dealership service centers. MAHA automotive lifts are used by car rental agencies to repair and service their vehicles, and automotive hobby enthusiasts, particularly those who are sticklers about their cars interior parts, as well as its exterior appearance.

MAHA USA manufactures many different types of automotive lifts depending on the needs of their customers. Their automotive lift technology includes two post, four post, and specialty automotive lifts, as well as specialty, in-ground and scissors automotive lifts for cars, light trucks and SUVs. Depending on the type of business, these automotive lifts can be customized to suit the needs of auto repair shops, body shops, neighborhood repair shops, quick lube service centers and dealerships. All you have to do is asses your layout and MAHAs distributors will help you determine which automotive lifts are ideal for your setup.

Once you have determined your needs, you can proceed with opening up a new car repair or body shop, or maybe acquire a quick oil change franchise to add this valuable service to your community. Take advantage of the technology of one of the premier American manufacturers, and put it to good use to rebound during these tough economic times. Getting into the auto service business can be a lucrative endeavor, now that new cars are not as easy to obtain. Having automotive lifts from MAHA USA can ensure a new business venture gets off to a great start, or the expansion of an existing auto body service shop is completed without depleting too much equity from your business.

Automotive lifts from MAHA USA are a wise investment to ensure the success of your existing business, or to get you in on the ground floor of a new venture. Trust the quality from MAHA USA for all your automotive repair needs.

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September 24

Buying A Second Hand Car In Zambia

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So, you are thinking of buying a second hand / used car in Zambia, but you do not know where to start, what to look out for, and how much you should spend on what. Remember, to find that perfect second hand / used car you need to have patience and some knowledge- it will take effort to source a good second hand car in Zambia and you will need to restrain yourself until you find the right car at the right price.

Never rush into buying a used car in Zambia. This part is where the patience comes in! You need to start with a list of cars you would like and then start finding car sales and used car dealers across Zambia. Make sure to not only look for a used car dealer in the city you will be residing, but also look in other major cities like Lusaka, Ndola and Kitwe- in the end you must be sure that you know exactly what the Zambian car market has to offer.

Now, the question is where will you start looking for a used car in Zambia? If you’ve already checked the major car dealerships, the next step would be to take a look at the local newspapers like the Times of Zambia, Post Newspaper Zambia and the Daily Mail(specifically the classified sections) and surf the Internet for used cars by just going to one of the major search engines and typing in “car sales Zambia”, “used cars Zambia” or “second hand cars Zambia”. You can also contact local auction houses who are selling bank repossessed cars.

Some newspapers or publications we recommend include the Times of Zambia look out for the Post Newspaper Zambia. The Times of Zambia in Lusaka or the Goleka.com, which is also available online, will have plenty of cars to choose from. The Post Newspaper Zambia have a pull out weekly called Sangwapo all have sections where you can look for second hand cars and used car sales.

As the new owner of a used car you should enquire as to the costs for repairs and availability of spare parts. This will all give you an idea as to what the first service will put you back. Foreigners also need to apply for a Traffic register number before being able to register or licence their new car. For this you will need two colour passport size photographs and a copy of your Passport.

Always remember that when you are buying a used car you should read through the sales documentation carefully. In most cases the car is bought or sold without any warranty at all and in the condition as is.

This in effect means that you have to buy the right car. Buying a cheap car that isn’t in a good condition and will break in 3 months just is not worth the time and hassle.

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