Categories
Auto Repair

Essential Tips And Tricks For Homeowners Insurance (5)

Essential Tips And Tricks For Homeowners Insurance

It may seem like it is you against the world sometimes when it comes to dealing with home owner’s insurance. Even with the vast amount of information available online, the subject can still seem overwhelming. This article will provide much helpful information for you to get started on the right path.

As soon as you pay off your mortgage, contact your home insurance company. There is a good chance that you will get your premium reduced. An insurance company views someone without a mortgage in a positive light, thinking that they are more likely to take good care of their house if they own it outright.

If you have recently renovated your home, make sure to let your home owner’s insurance company know. That way, should disaster ruin your newly renovated home, you will be reimbursed an amount that reflects the way your home looked after you renovated. Try to call the insurance company as soon as you make these renovations.

If you are struggling to make the monthly payments on your homeowner’s insurance, considering raising your deductible. Just like with health or auto insurance, having a higher deductible means lower risk to the insurer and lower monthly rates. However, this should only be used with homes that are not likely to suffer small maintenance issues, as the homeowner ends up with those costs.

Did you know that quitting smoking can actually lower your home owner’s insurance premiums? Smoking is a great risk for accidentally causing damage or completely burning down your home, so it will increase your premiums if you smoke. Let your insurer know when you’ve quit smoking (how long you must have quit for will be up to them to tell you.)

Before you purchase a home, it’s best to know what it is constructed from. Depending on what it is made of it can cost more to insure it. For instance, a home constructed mainly from wood is more costly and expensive to insure than a home constructed from brick or concrete.

When purchasing home owner’s insurance, it is a good idea to buy insurance that guarantees replacement of your dwelling. If your home is destroyed or damaged beyond repair, this insurance will provide the money to rebuild a similar structure no matter how much it costs. Even if construction prices rise, this type of policy will absorb the extra cost.

Another way to get a discount on your home insurance is by having some form of fire safety in place. Smoke alarms are a good choice. While these are generally common in most current buildings, installing them in aging homes can save you about 10% or more in annual premiums. The other plus is that they can possibly save you if there’s a fire.

Asise from heeding these helpful hints, do all that you can to become familiar with home owner’s insurance, particularly the fine print of the various schemes on offer. Hopefully we have provided you with enough information to give you a solid basis for decision making in the matter.

Categories
Auto Repair

Not Insured? This Could Cost You Greatly

Not Insured? This Could Cost You Greatly

Whether it be medical, life, auto or any other kinds of insurance, it is important that you are well informed about the details to getting a policy. By doing so, you will be comfortable in knowing that you have picked the right policy. Read the following article for vital tips.

If you have fire insurance and you are getting ready to file a claim, it is important to make sure you have all necessary information available. This way, you get proper coverage. On your claim, make sure to put the condition of the home, the date of the loss, the location of the damage, type of damage and loss, and related injuries.

Check with the company that holds your car insurance or life insurance policies to see if they also offer renter’s insurance. Many companies offer significant discounts when you hold multiple policy types with them. Don’t assume that it’s the best price though, make sure to always have quotes from a few companies before making a choice.

If you want lower insurance premiums, work on improving your credit score. Insurance is another of the areas where good credit will ease your financial worries. Most, if not all, insurers take credit scores into account when setting their customers’ premiums. If you are involved in a credit repair effort, check with your insurer to see if you can turn it into premium savings.

When any insurance policy has been purchased, take some time to sit down and read the fine print. Do not automatically assume that the policy is exactly as the seller presented it to you. There may be details in the terms and conditions that were not mentioned and discourage you from keeping the product. All policies have a short cancellation period after the date of purchase just in case it is needed.

Sometimes, insuring a pet can be a great way to be sure that you will have enough money to take care of that pet if an illness occurs or maybe, some other kind of accident. The insurance will cover the expensive surgery, medicine or other veterinary bills, saving you money.

If you own a home and have a car, you can save on insurance by covering both, with the same company. Most insurers offer multi-policy discounts and with online tools that make it easy to compare costs, you can easily find the company that offers you the biggest savings and most appropriate coverage for your situation.

To find the best deals on your insurance, compare how much different insurance companies will charge you. You can find reviews and quotes online or at your local state insurance department. Once you settle for an insurance company, do not hesitate to switch over to another one, if the price increases.

As was stated at the beginning of the article, you want to make sure that you are well informed before picking out an insurance policy. That is why this article has provided you with vital, important tips. Use the tips in order to get the policy that fits your needs.

Categories
Auto Repair

Ideas For Finding The Best Insurance Available

Ideas For Finding The Best Insurance Available

Having insurance is important for so many reasons. If you are ever in a car accident, the bills can be astronomical, and having insurance will really help to pay for those. This article will discuss all of the reasons why insurance is something that no one should ever be living without.

Consolidating all of your insurance policies under one roof can help you save a bundle on your premiums. Insurance companies commonly give big discounts to people who have multiple policies. Talk to your insurance company and ask for a quote on other forms of insurance to see how much money you could save.

To make sure your insurance claim gets processed quickly and correctly, you should make note of who your adjuster is at the company. Many companies will hire an independent adjuster to make the visit to determine how accurate the damages reported are, but the adjuster who actually works for your company, is the one who makes the final determination of your case.

If you have been denied coverage for a claim you feel should have been covered, appeal the decision to the insurance company. Learn what your company’s process is to start an appeal and follow it. Do not just take a denial at face value, you always have the right to appeal any decision made by your insurance company.

If you want lower insurance premiums, work on improving your credit score. Insurance is another of the areas where good credit will ease your financial worries. Most, if not all, insurers take credit scores into account when setting their customers’ premiums. If you are involved in a credit repair effort, check with your insurer to see if you can turn it into premium savings.

If you are applying for car insurance and you are a student it would greatly help you if you have good grades in school. There are many auto insurance carriers that will provide discounts on premiums for students that have grades that are above a particular GPA, since it shows them that you are trustworthy.

If you submit an insurance claim and it is denied, always take the time to appeal the denial. At times insurance carriers initially deny a claim and then later are willing to reconsider the claim. Unless the circumstances of your claim are specifically excluded on your policy, appealing a denial can be well worth the time and effort.

Get endorsements for your valuables. For example, you will want to take your valuable jewelry to a jeweler and have an appraisal done on it. You then must provide your insurance company with that appraisal. This will prove that you indeed did have the item in question and how much it was worth so you can be paid for the actual value of the item.

Now you can see all of the reasons why people need to have insurance. In the beginning, a car accident was talked about, though you can see all the other things for which insurance is needed. Please do yourself a favor, and make sure that you are insured.

Categories
Auto Repair

Buy Or Lease?

Buy Or Lease?

It’s the classic dilemma that faces every auto-consumer out there: Pay cash upfront or forego the ownership and pay monthly settlements instead? Buy or lease for a new set of wheels?

As is the case with every other common dilemma, there is no slam-dunk answer. Each option has its own benefits and drawbacks, and it all depends on a set of financial and personal considerations.

First, your finances. Affordability is clearly key, and you need to ask the question of how stable is your job and how healthy is your general financial situation. The short-term monthly-cost of leasing is significantly lower than the monthly payments when buying: you only pay for “the portion” of the vehicle’s cost that you use up during the time you drive it.

If you have a lot of cash upfront, then you can opt to pay the down payment, sales taxes – in cash or rolled into a loan – and the interest rate determined by your loan company. Buying effectively gives you ownership of the car and that feeling of “free driving” that goes on providing transportation.

If, say, you want to get into luxury models but can’t afford the upfront cash of purchasing the vehicle than you’re a good candidate for leasing. Unlike buying, it gives you the option of not having to fork out the down payment upfront, leaving you to pay a lower money factor that is generally similar to the interest rate on a financing loan. However, these benefits have a price: terminating a lease early or defaulting on your monthly lease payments will result in stiff financial penalties and can ruin your credit. You need to make sure you carve out the monthly lease payment in your budget for the foreseeable future, at least for the duration of the lease.

Besides the financial aspect, making a buy or lease decision depends on your own particular lifestyle choices and preferences. Think about what the car means to you: are you the sort of person to bond with the car or would you rather have the excitement of something new? If you want to drive a car for more than fives years, negotiate carefully and buy the car you like. If, on the other hand, you don’t like the idea of ownership and prefer to drive a new car every two to three years then you should lease. Next, factor your transportation needs: How many miles do you drive a year? How properly do you maintain your cars? If you answer is: “I drive 40,000 miles a year and I don’t really care much about my cars as I don’t mind dealing with repair bills”, then you’re probably better off buying. Leasing is based on the assumption of limited-mileage, usually no more than 12,000 to 15,000 miles a year, and wear-and-tear considerations. Unless you can keep within the prescribed mileage limits and keep the car in a good condition at the end of your lease, you might incur hefty end-of-lease costs.

Categories
Auto Repair

Online Pay Day Loan

Online Pay Day Loan

To any person with a credit score of 700 or above, pay day loans may seem like little more than highway robbery. And, when all things are considered, online pay day loan companies do charge hefty fees for the services they provide. But the question that begs to be answered is this: Do pay day loan companies offer a legitimate service that people actually need or are they merely preying upon people with nowhere left to turn for credit options?

Generally speaking, a pay day loan place charges roughly $15-20 on every $100 you borrow and asks that the money be repaid in two weeks or less. If you converted that into an APR, it would probably exceed 200% at most of these pay day loan companies. Without a doubt, this does make any credit card look like a great option in comparison. But still…is this a viable service?

In fact, online pay day loan companies are providing a much needed service for a segment of the population that has limited options due to poor or non-existent credit. So for people who have had an unexpected auto repair, such pay day loan companies do not charge unreasonable fees when you take a minute to look at the alternatives.

For a person who has had their car suddenly breakdown on them, the choice is simple: either get the car fixed by securing an online pay day loan or lose their job because they don’t have a reliable way into work each day. Yes, the person will have to pay roughly $50 to borrow $250 for two weeks, but does that c-note compare to the lost wages and financial hardship that would be suffered should they lose their job? When you think about it in these terms and remember that these pay day loan companies are the last and only option for some, it is clear that they are indeed providing a legitimate service.

The same scenario basically applies if you get a utility shut off. Even if a person were willing to do without the utility until their next pay day, the penalties charged for being disconnected along with the fees assessed for turning the service back on will almost certainly exceed $50. Again, while the fees do appear unreasonable to people with credit cards and other financing options, they are actually quite reasonable when you consider the consequences of not getting the loan.

So for the person using a pay day loan service, there are two basic benefits: convenience and access to much needed financial assistance in times of crisis that would be otherwise unavailable to them. Now of course there will always be people who abuse this service and take out loans for silly things that could wait until their next paycheck. But for the vast majority of people using a online pay day loan service, the access to emergency funds—even at elevated interest rates—is absolutely vital. The consequences of not having this access can cost people their jobs and generally create hardships that could otherwise be avoided.

Categories
Auto Repair

Considerations For Home Owners As They Shop For Insurance (3)

Considerations For Home Owners As They Shop For Insurance

Every home owner should have home owners insurance. Home owners insurance cover your home in the event that any property damaging incidents should occur. Most home owners insurance policies cover fire damage, theft, vandalism and other conditions. The following article provides detailed tips about home owners insurance that anyone can use.

You should be sure that your are getting all the available discounts on your home owner’s insurance. If you have a monitored alarm system, you may be able to decrease your premiums by up to ten percent. Many companies also give discounts to seniors or for multi-policy holders. Ask your agent to review any discounts you may have missed.

You should always review your homeowner’s insurance policy annually to make sure that you still have the right policy for your home. Compare your premiums with quotes from other insurance policies. Be sure to take note of any changes that could affect your premiums, both on your property and in the neighborhood.

Having homeowners insurance can save you a great deal of money should your house ever experience some unexpected damage due to a natural disaster or other random cause. If you have your home insured, it will provide money for the repair costs from unexpected damage that can come with owning a home.

When buying a homeowner’s insurance policy, what is excluded from coverage is sometimes more critical that what the policy does cover. Flood coverage, for example, is not typically covered in most homeowner’s policies, but can be purchased as a separate policy. The same is true for other natural disasters such as earthquakes.

Document the contents of your home in photographs, videotape and on paper to make any potential claims easier. Should a claim occur, your insurance carrier requests documentation and proof of contents. Having a full inventory makes the process faster and more efficient both for you and the insurance company. Be sure to store your inventory in a safe location such as a fire proof box or safe deposit box.

Take the time to check into the cost of your deductible, as well as the price of your monthly premium. You may find that you can lower the cost of your deductible, if you increase the monthly payment. This will not cost a substantial difference monthly, but will help you out when you need to file a claim.

If you are struggling to make the monthly payments on your homeowner’s insurance, considering raising your deductible. Just like with health or auto insurance, having a higher deductible means lower risk to the insurer and lower monthly rates. However, this should only be used with homes that are not likely to suffer small maintenance issues, as the homeowner ends up with those costs.

As stated before, home owners insurance is a form of coverage that every home owner should have. The insurance covers property damage such as fire and other property related incidents, such as theft. Use the useful tips from the article above when you are considering purchasing home owners insurance.

Categories
Auto Repair

Tactics For Getting The Most From Your Insurance

Tactics For Getting The Most From Your Insurance

To go through life safely, you might need a health insurance, an auto insurance, some kind of coverage on your house and perhaps a life insurance. Insurance can become quickly overwhelming because there are so many types of insurances and so many different policies. Read these tips to get some clear advice.

The best time to switch insurance providers is when your policy is up for renewal. Canceling a policy at the end of it’s term means you won’t have to pay a cancellation fee, which saves you money. You also can let your current insurer know that you plan on canceling and moving to another insurance company and they may offer you a discount to match the new company’s offer, or even better it.

When you think about insurance, think hard about how much of your available income you want to spend on insurance versus investments. This is because, of course, each of us has a finite amount of money to spend on anything, so we have to make smart decisions about it. For example, if you are in good health and can save a lot on your insurance budget by buying low-cost term insurance, that will free up income you can use to invest in either long-term care insurance or actual income investments.

If your credit score has gone up, have your insurance company rechecks your scores. Insurance companies do base part of your initial premium on your credit score. Without your permission though, they can only check it when they initially offer you coverage unless you have had a lapse of coverage. If you know your credit has gone up, having your credit rechecked could net you a reduction in your premiums.

The wise consumer will take their own loyalty into account when comparing insurance companies. An insurer that has provided years of effective, reliable and trouble-free service should not be abandoned the instant a slightly cheaper alternative becomes available. It is quite likely that an insurance company that offers rock-bottom prices is cutting corners somewhere in the service they provide their clients.

When involved in an insurance claim, do not wait for the insurance company to make all the moves. This will ensure that you get what you are owed, and in a timely manner. Be sure to provide any evidence that will be required and be persistent in asking for information directly related to your claim.

Much like car insurance or health insurance, having a higher deductible can save you money on your premium. The downside to all of this, is that if you have a small claim to make, you will most likely have to pay for the entire repair out of your own pocket.

The best way to understand insurance is to read about it. Hopefully these tips have helped you understand better what your needs are and how you can find an insurance that will provide the kind of coverage you are looking for. Take your time in looking for an insurance company that will satisfy you.

Categories
Auto Repair

How To Know If Your Home Owner’s Insurance Is Right For You

How To Know If Your Home Owner’s Insurance Is Right For You

There are so many insurance companies out there that it’s hard to know which companies are legitimate and which ones are only looking for your monthly fees and have no real plan of following through with their commitment. You can sort through the pretenders by checking out these housing insurance tips.

If you live in a flood-prone area, never assume that you can rely solely on federal disaster assistance rather than purchasing flood insurance coverage. In the first place, a large percentage of all flooding incidents never qualify for federal disaster relief. Secondly, you may pay more in interest for a federal disaster loan than you would pay for flood insurance.

Pay your home insurance yearly instead of monthly. Breaking it in to monthly payments may make it seem to be cheaper but if you save the money to pay it in full for the year, you will get a discount for making that payment. This can save you a good bit of money over the years.

Smoke alarms can help you save on your homeowners insurance premiums. With installed smoke alarms, you can save around 10% or more on your annual homeowners insurance premiums. It is possible that if you add more smoke detectors, your insurance agent will further discount your policy. Don’t forget to tell your agent about your smoke alarms.

Be sure to purchase the type of homeowner’s insurance that you need, the terms can sometimes be confusing. Replacement coverage actually provides funds to rebuild your home as well as its contents in the event of loss. An actual cash value policy will not cost as much, but pays only what your home is worth at the time of your loss less depreciation for age and ordinary wear and tear.

Keep as many policies with the same company as possible to reduce your total premium. Many insurance carriers offer discounts for customers with multiple lines of insurance. If you keep your home owner’s insurance and auto insurance with the same carrier, you may reap a significant discount on both policy premium totals.

When you have homeowners insurance and something happens that would require the use of your policy, make sure to make the insurance claim as soon as possible after the incident to avoid any discrepancy. If you wait this could complicate the process and often make the repair time much longer.

Tell your insurance company about any special features or benefits of your neighborhood. For example, if you live in a gated community, you may be eligible for additional discounts. If your gated neighborhood offers regular security patrols or a formal entrance procedure, these safety features can further reduce your home owner’s insurance premium.

Having insurance as a homeowner is a must, but you should never settle for just any policy backed by just any insurance company. Make sure you use these tips to find a great policy from a legitimate insurer whose services will be there in a timely fashion should you ever need them.

Categories
Auto Repair

Tag, You’re It! (Or, How To Write Slogans)

Tag, You’re It! (Or, How To Write Slogans)

Some call them “tag lines”; others refer to them as”catch lines” or “tie-in-slogans.” Whatever the words used to refer to them, they are perhaps the most important part of your promotional writing.

Do you recognize any of these? :

“Like a rock…”
“Fly the friendly skies…”
“It’s the real thing !”
“Quality is job number one”
“The quicker-picker-upper”

Most of those tag lines are recognizable by us without even including the name of the company or product.

They summarize in a very few words the essence of the thing they are promoting. They communicate a good, positive feeling or relationship to the product. They do it with a simple,memorable phrase that is easily repeated.

The shorter the description is, the more challenging it is to write. Anyone can write a 500-word description of a product or service. Now try doing it with 5 to 10 words ! Each word you choose is very important to the message.

HERE ARE SOME TIPS for writing good taglines for your business offer.

1) Start by noticing ads on billboards as you drive down the road.

Billboard advertisers have but a couple of seconds to grab your attention and sell their product or service. Usually their copy is going to be a very good tagline with a picture of the product or service. These are great examples of how to write effective taglines.

2) Notice other media forms like magazine and newspaper display ads, business cards, brief radio and TV commercials.

Observe the thing that caught your attention and makes the message easily remembered. It’s usually a concise and well-written tagline.

3) Write down everything you can think of that relates to your business. You may even start with a narrative description in paragraph form.

4) Now, make a list of the top 25 or 30 things that are important and worth mentioning.

Whittle that list down to 8 or 10 of the most important things you wish to say.

Now eliminate repetition or things that are not really that necessary to your product or service.

Get your list of words or phrases down to 3 or 4 central elements.

5) Based on your final core selection, make up some phrases that will serve as your taglines for consideration. Keep them short and use simple, everyday language.

Which of these taglines would you remember best? :

“Joe’s auto repair shop, the lowest-prices and the best service”

OR

“Quality Care For Your Car !”

=====

“The Best Tax Service Anywhere Around The Town !”

OR

“Your Tax Experts At Work !”

=====

“Emergengy ambulance service available 24-hours a day”

OR

“When Minutes Count!”

Well, you get the idea!

Do some test marketing with your final two or three best taglines. Discover the one that works best for you and incorporate it into all of your promotional messages.

Remember, like any of life’s endeavors, experience and practice help to improve your skills level. If you want to be a good writer, write a lot!

Best of luck with your promotional efforts.

Categories
Auto Repair

How To Import A Car Into Canada

How To Import A Car Into Canada

The purpose of this article is to explain the steps necessary to properly import a car from the United States into Canada. First it must be stressed and overly emphasized that you have to follow the rules exactly. If you do not follow the Canadian and American rules for importing and exporting a vehicle you may well have very expensive auto, truck or S.U.V. south of the border that you cannot import or drive into Canada. Your vehicle may well be stuck in limbo, with you unable to drive it. In that case you will either be forced to sell your vehicle, at cost and inconvenience to yourself, to a person in the United States. It cannot be overemphasized that you have to do proper research, check and either recheck the rules, and then follow the auto importation rules exactly and to the letter.

Many Canadians have saved big money importing cars from the U.S. into Canada. Do not let the rules scare you. Simply and exactly follow the rules. Again if not sure, ask. It’s only a phone call – most likely toll free or an email away.

You may have heard many, if not dozens, of mythical stories of Canadians who saved vast amounts on car purchases by importing cars from the U.S. into Canada. You may have seen or heard similar stories on your local TV. Or radio station programs. You may have read of such savings of consumers in the columns of your local newspapers. However when either your local car dealer of manufactures are asked the answers you receive are not the same, if not downright scary. The savings (except for the highest end luxury cars) are minor. The cars are not the same. The manufacturers will not honor new car warranties on new cars bought in the U.S. and imported / shipped into Canada. These answers are either false or mistruths taken out of context.

You will save a fair chunk of cash. This is true in many, if not most cases. All that matters in pricing out your car is what it costs delivered to your door – with all taxes and charges included. Even after including all of the Canadian taxes and extra costs involved, in most cases, you will save a bundle. To the largest degree currency fluctuations have made this so. The rise in the Canadian dollar has made this so. It may also be argued that the retail car industry in the U.S. is much more competitive than in Canada reducing prices by competition. In terms of warranty coverage it is true that manufacturers do not cover warranties on U.S. cars imported into Canada. However the vast majority of car makers do cover the warranties. It’s up to you to do your homework. Again either phone or email. It’s always best to get the answer in writing.

You may consider that it is wrong, unethical or immoral to import a U.S. car into Canada. True most people like to be loyal to their local merchants. However under the NAFTA (North American Free Trade Agreement) cars are shipped back and forth among the NAFTA trading area (the U.S.A., Canada and Mexico) without extra tariffs and taxes. This has benefited the car makers greatly – allowing for reductions in costs due to specialization of factories and economies of scale. Before NAFTA each car maker has different factories in each separate country manufacturing select models and car lines. With NAFTA that can be scaled back to only several, larger and more efficient factories – each producing a certain model or car line for the entire NAFTA trading areas. If the car makers can benefit from the economies of scale of NAFTA why not you as a consumer? You cannot have your cake and eat it too.

Interestingly enough the humour is that same car, which you are importing into Canada, May very well, have been manufactured in Canada, for the North American car market. You are in effect repatriating that vehicle home. If the car is not made in Canada, but in the U.S. or Mexico, the same person and people will have their jobs regardless of whether you purchased the car in Canada or in the U.S. The one person or organization that gets left out of the loop is your local car dealer. True. However, it may be surprising for you to discover, that most of the profits of a car dealership are from service work of your vehicle, not the sale. In this day and age of computerized, technically difficult to repair automobiles, who are you going to take your car to for service, both warranty and non warranty related. The answer is that your service work, in most cases, will be done by your local dealer, whom you wish to support.

The basic rules in importing a car into Canada are as follows. First consult the Government of Canada site – Officially the “Registrar of Imported Vehicles “, also called Riv. This can be done by phone, email or both.

Transport Canada issues a comprehensive “List of Vehicles Admissible from the United States”. This is your initial bible to consult – both in terms of admissibility and inadmissibility. Note that certain model years may have different rulings. It is up to you to do a thorough a complete job of research. Again phone, email to check and recheck if you are unsure or doubtful. .

It is wise to check with the manufacturer of the car in terms of warranty coverage. If coverage is not available perhaps third party coverage can be purchased, if the overall cost savings warrant it.

Before exporting the car from the United States, you will have to fax U.S. customs the relevant documents 72 hours in advance. Next you will have to follow the procedure outlined at the Riv site of “What to do at the Border”. This involves documentation, the paying of certain fees and taxes and within a set time an “Imported Vehicle Inspection” and certification by an approved automobile service agency. If modifications need to be done to bring the car into line with Canadian standards, these must be done. Certification again must be done by the approved repair facility.

Lastly remember that cars manufactured within the NAFTA trade zone do not pay extra duty. However extra duties on cars manufactured outside the U.S., Canada or Mexico may be demanded. By Canada Customs. Again it is your responsibility to do your homework.

This is a basic explanation of the steps required to import a car into Canada from the U.S. There may be additional steps involved, in your specific case. Rules may change over time, either overall or in specifics.

It cannot be overstated that you must do a thorough and complete job of research – either by phone, email or both.
Written documentation is most preferential over verbal. Check and recheck. If in doubt phone or email.

At this point in time, many many Canadians have purchased a car in the United States and imported that vehicle into Canada. These smart consumers have found that the cost savings on purchasing their vehicle well outweigh their investments in time, efforts and extra work involved.