Friday 30 November 2012

Thursday 29 November 2012

Hot Car Deals – Volkswagen Polo

Which? Car news: The Polo range is very wide, with prices running from around £10,400 to £20,000. We've found three deals that dramatically cut those prices.

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Cheap Van Insurance Cover For Small And also Big Companies

Van insurance can provide protection of one's van against practically any sort of misfortune. However, in case your van is unfortunate enough to get in an auto accident thereby becoming wrecked then your insurer is obliged to have it restored back to it's earlier condition. It may be asserted that van insurance policies are an enormous comfort for van drivers and also companies likewise for the degree of protection they obtain from their policy. Do not be afraid of getting your vehicle insured due to high premiums. There are lots of ways you can reduce your premiums significantly.

 
There are numerous deals on cheap van insurance (http://www.cheapestvaninsurance.org/)  today from van insurance companies worldwide. Just make sure you're able to fulfil some of their criteria; as it will enable you obtain your desired discounted van insurance pretty cheap. It is a common belief that only commercial vans needs to be insured but this is not the case rather non-commercial van insurance is important for everyone who drives a van whether for commercial purpose or non commercial purpose. And for those that use their vans extensively, extra coverage might be needed to adverse so much risks thats involved with the constant use of the van.

For everyone and small enterprises, vans are one of the most convenient choice for the transfer of goods as well as services. However, today small plus big businesses are totally dependant upon vehicles across the country for performing their businesses. The damage or loss of vans in businesses would have a significant impact on its owners. In such circumstances, Van insurance policies are compelled to reinstate the losses derived as a result of the van going off road and also bear the cost of fixing the van back to it's previous working state. This also prevents the policy holder from incuring huge financial losses on the long run.
Comprhensive cover, third party fire and theft and third party only cover are the main insurance covers to select from when taking out your insurance policy. So it's always ideal to determine the level of cover that suits your needs before applying for your van insurance. Technically, if a van is worth less than ten times the six month comprehensive premium payment then a comprehensive insurance is not needed as it'll be way too expensive for the value of the vehicle.

Selecting a non commercial van insurance- http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html would also mean that the van must be solely used for non commercial use only. Van insurance is a great way to have rest of mind apart from other benefits that comes along with insuring one's vehicle. On major advantage of having a van insurance is that in some policies, a courtesy van is provided for the moment your vehicle is off road for repairs due to an accident. This type of gesture normally helps businesses that rely sole on their vehicles to be able to conduct their businesses effectively and are also at risk from the non use of their vehicles.

Typically, van insurance comes with two main types of covers; the third party fire and theft and comprehensive cover. Collision or third party fire and theft entails cover for third party vehicles that are involved with yours in an accident and also covers your vehicles against fire and theft. This cover is given for protection against third party claims of collision. You may also be fascinated to know that some comprehensive cover also includes cover natural disasters risks like earth quake, mud slide, flooding and so on.

A lot of superb advice are available to assist lessen the amount of insurance premuim billed by insurance providers. Looking for ways to get a cheap van insurance premuim? Check out the tips below:

(I) being a careful and meticulous driver would help reduce your premium through no claims bonus that you get every year for not claiming on your policy.

(II) Installing car alarms and immobilisers do prevent car theft and buglary to a certain extent that the insurance companies are willing to credit you for installing them on your vehicle. To be frank security systems do offer substantial amount of deterant from theft and burglary.

(III) Shopping around for the cheapest van insurance quote either online or other means is a great way of unveiling great discounts on your insurance premiums. By doing these researches you can be rest assured of getting a great deal as you compare one quote to another.

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The Rationale behind Car Insurance

It’s probably safe to say that no one reading this article remembers a day when car insurance was not available. If you’re a senior, you may remember a time when it was not mandatory in your state, but the earliest forms of car insurance go back to the late 1800s. It has been a part of all of our lives to one extent or another.

The first car insurance policy on record was written in 1889 to cover the liability of a man named Truman Martin. Mr. Martin owned an early steam powered automobile which, while it was a great invention, was a source of worry in that it could damage property or injure people.

If you want to know the rationale behind mandatory car insurance, that’s it.

Car insurance is a necessity in order to protect us from the carelessness of other people who might cause injury or property damage. If insurance was not mandatory too many people would be at risk of financial devastation after an accident.

How Car Insurance Evolved

The first policies written in the 1800s were pretty much an experiment, given the fact that underwriters really had no idea how much damage a car could cause. Furthermore, so few people had automobiles that accidents between multiple drivers were unheard of. Those early liability policies were more focused on the possibility of damaging buildings, road signs, and pitching posts.

By 1925 there were enough cars in the road to significantly increase the likelihood of multi-vehicle accidents. That forced the insurance industry to reassess cover drivers and effectively deal with the question of personal injuries. That transition paved the way for what is today’s modern car insurance product.

A Policy for Everyone

Whether or not you agree with the compulsory insurance laws in your state, it can’t be denied that healthy competition among car insurance companies has resulted in a wide range of policies and options. As such, there is a policy out there for just about every driver and every need. That’s a far cry from the “one size fits all” policies of the 1920s.

You and I can shop for the cheapest car insurance possible, purchase a comprehensive policy that will cover everything under the sun, or settle on something in between. We can choose between liability limits, different deductibles, and whether or not we want to add items from a long menu of options. In other words, we have enough options to make car insurance accessible and affordable for everyone.

Next time you’re shopping for a new insurance policy remember the rationale behind it. That may not make things any more pleasant in terms of the shopping experience itself, but understanding why car insurance is necessary may take some of the edge off. And, though we sincerely hope it never happens, you’ll get a full appreciation of the rationale behind car insurance if there ever comes a time when you need to make a claim against someone else’s liability policy.

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Wednesday 28 November 2012

Top Four Van Insurance Coverage Cash Saving Suggestions

Everybody likes to avoid wasting cash, particularly in the current economic situation. Consider it or not, one place you possibly can be saving is on your insurance coverage on your van. Obtaining the appropriate insurance coverage is imperative as it protects you as well as your van against many dangers, not to point out that it is compulsory legally inside the UK. This means that you have to have insurance coverage, but it does not mean it's important to pay a excessive quote. You'll find affordable deals, however it's important to know easy methods to deal with the purchase of your insurance coverage. This is a short look at a few wonderful cash saving tips you should use as you search for a terrific package when insuring your new van.

1 - Spend Time Shopping All around At the beginning, if you wish to save money on your van insurance coverage, you are going to spend some time in buying around. It does not have to take a lot time though. The internet has made comparison purchasing simpler more than ever. All you must do is jump online, visit some comparability websites on the net, fill out a quick form and you may be evaluating rates quickly. Just be certain that you all the time have a look at more than the cost. Obtaining the proper cover can also be important, so evaluate core features and price for the perfect throughout deal for your needs.

2- Lower Your Rates with a Greater Voluntary Excess Another approach though which it can save you and lower your rates is to go along with a better voluntary excess. It's a quite simple rule of thumb to recall. The higher the voluntary excess you choose, lower the premium on the insurance is going to be for you. Merely raising the voluntary excess by several pounds could make a huge difference. Work out precisely what you'll be able to afford to pay as voluntary excess. You should go along with it option to make sure you save much on your van insurance coverage premiums.

3 - Don't Permit Your Insurance coverage to Lapse Don't enable your insurance to lapse if you want to save some money with your van insurance. If you happen to find yourself allowing the policy to lapse, insurance companies are going to take a look at you as a huge risk. They could even assume that you are somebody that's irresponsible. In lots of circumstances you will end up paying more for the insurance coverage you want, if you have left your insurance coverage on the van to expire. Make sure you preserve your policy going, even when you have to go along with a short time period choice, while looking for one of the best long run policy for your needs.

4 - Search for Any type of Attainable Discounts Just remember to look for any potential bargains. Many individuals do not understand how many discounts are available and they never assume to search for them or ask about them. Economizing a little occasionally with reductions can really add as much as a nice financial savings in your policy. There are discounts for buying on-line, discounts for a number of insurance policies, safe driving reductions, discounts for security devices and more.

Ask about discounts available and attempt to get each discount that you simply can get. The more discounts you get, the more you'll spend less on your insurance for van. In a nutshell, these are very effective ways for reducing one's van insurance premium to obtain that elusive cheap van insurance everyone's talking about. There are also great ways to find affordable tool insurance, compare van insurance quote, check and compare 1st central car insurance with van insurance comparison, one day van insurance and many more

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Don’t lose faith in stocks

If you think fixed income is a safe investment, you could be in for a shock.

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Falling demand for commercial vehicles

Across the EU, demand for commercial vehicles has dropped almost 12% over the past year. This includes sales of CVs which have also dropped off significantly since the beginning of 2011.

We’re not sure what this means for commercial vehicles, but we’re sure it has a whole lot to do with the current financial climate. Let’s hope things pick up in the commercial market and that the introduction of further electric vehicles takes off. With the Olympic Games this summer, trade and business will be busier than ever- just the boost we all need!

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Tuesday 27 November 2012

Council fined for safety breach

The Dumfries Sheriff Court has fined Dumfries and Galloway Council £40,000 for safety failures that led to severe injuries for one road repairman.

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Auto loan rates in Minneapolis, Minnesota

Car loan rates are low throughout the nation. In fact, the average 48-month new-car loan rate is currently at 4.17 percent, and there are several lenders offering even better deals. Use our research to find the best auto loan rates in Minneapolis, MN, and in other areas of Minnesota.
It's important to create a budget before

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The Growing Issue of Texting While Driving

Most people know that talking on a cell phone while driving is an issue of concern for reasons of safety and auto insurance premiums. Many states have passed strict laws regarding what types of drivers are allowed to talk on a cell phone while driving, and what kinds of devices can be used to do [...]

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Monday 26 November 2012

COMMENT FROM DR ROS ALTMANN ON NORMAN LAMBS COMMITMENT TO MAKE DEMENTIA CARE ONE OF HIS TOP PRIORITIES

Dr Ros Altmann, Director General of Saga welcomes the commitment from new Care Minister, Norman Lamb, during his second speech as Health Secretary that he intends to make improvements to the care for dementia patients one of his top priorities.

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Newly Patented CarFax Technology Used By Car Insurers

CarFax was awarded two patents in recent months which highlight how the company services can tie a vehicles history to how insurers price insurance for the same vehicle. The patents were awarded in August by the U.S. Patent and Trademark Office (USPTO) and protect the company’s rights to “apparatus and method” for rating and underwriting insurance policies based on data from the vehicles history. This system, according to the USPTO filing can enhance the underwriting of an insurance policy for vehicles based on scores produced by the system using the vehicles background. 

Experts say that while insurers have always looked at the type of car being quoted, taking the history of a specific vehicle into account is a brand new concept. In the past, insurers have used CarFax data to check if a vehicle has been damaged by flood, fire or has been issued a salvage title. The latest, and now patented system would let insurers access information regarding air bag deployment, the number of owners as well as hail damage reports. Studies have shown that prior damage is often linked to incidents of further damage. Using this information insurers can properly rate specific cars.

Patents 8255243 and 8255244 should have more and more insurers working with CarFax, a company that already works with many top name insurance clients.

The newly patented systems incorporate several variables which can be used by insurers. Accident, title and mileage data is key to an insurers evaluation of a vehicle. Odometer readings help insurers assess the miles traveled in a vehicle which can be incorporated in actuarial tables. It can also be used in the investigation of claims. All of this allows for more accurate rates, which is good for both insurers and customers.

 Weather Events Make Vehicle Histories More Important

The recent Superstorm Sandy has highlighted the importance of vehicle history reports to insurers. Several groups have issued consumer warning in regards to flood damaged vehicle making their way into the marketplace. Less than honest resellers and auto dealers could attempt to sell flood-damaged vehicles without disclosing the damage to potential buyers.

Using a vehicle history report like CarFax can help consumers and insurers identify vehicles that have been damaged by storms such as Sandy. Going a step further, state officials have promised to help out in identifying possible flood damaged vehicles. Jesse White, Secretary of State in Illinois recently announced that his office would screen title applications for vehicles that are coming from areas that were affected by Superstorm Sandy. In order to get a clean title in Illinois a Hurricane Disclosure Statement will have to be signed by the registered owner of the vehicle as well as an insurance agent. The latest CarFax technology should be able to help with this requirement.

Saltwater can severely damage a car and create both corrosion and electrical problems long after the exposure to the water. This makes it important that consumers and insurers check out the history of a vehicle before making an offer. Flood damaged vehicles often have much shorter lifespans and are likely to require costly repairs.

Newly patented technology from CarFax will allow insurers to use a vehicle history report to help determine an accurate premium.

Newly Patented CarFax Technology Used By Car Insurers is a post from: Cheap Car Insurance News Blog

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Sitting Your Kids Below The Ages Of 2 Within A Rear Facing Position Is Notably Less compromising In comparison with Any Other Sitting Position Claims The United states School For Pediatrics

This innovative discoveries by the American Academy of Pediatrics (AAP) will surprise most parents / guardians in to altering their unconventional practices of safeguarding their infants inside vehicles.


Enclosed inside a new policy released in the issue of April 2011 of Pediatric medicine, fathers and mothers are advised to keep their children within a rear-facing infant car seat up till the age of two or better still when they have gotten to the required height and also body weight for their specified seat. Also, the AAP also reminded parents about the basic requirement for their children to use booster seats that seat belt positioned until the height of 4' and 9" in height as well as reaching the ages of 8-12 years of age.


A previous policy published in 2002 also advised that it is much safer for toddlers and infants to be placed in a rear facing up position up to the limits of the car seat, also indicating age 12 months and 20 pounds as absolute minimum. Noticeably, a huge percentage of parents were observed changing their child's car seat position to a front facing one from rear-faced position upon their babies turning one.


"Transition from one stage to another often gets parents excited, but these transitions must generally be delayed until they are absolutely necessary, as the child fully develop and outgrows the restrictions for his or her present stage," said Dennis Dubin, MD, FAAP, leader and author of the policy statement as well as the accompanying technical report.


"A rear-facing child safety seat does a better job of supporting the head, neck and spine of infants and toddlers in a crash, because it distributes the force of the collision over the entire body," dr durbin said. "with larger kids, a harness fitted forward facing seat is a lot safer than booster seats, and a belt positioning booster seat gives the most protection possible than just a seat belt alone until the seat belt can work correctly."


While the rate of deaths in motor vehicle crashes in children under age 16 has decreased substantially, dropping 45 percent between 1997 and 2009, it is still the leading cause of death for children ages 4 and older. Totalling children and teenagers up to the ages of 21 years, over 5,000 deaths are recorded each year. The amount of casualties can be alarming: for every fatality, approximately 18 children get admitted in hospital while more than four hundred are seriously injured enough to need medical assistance.


Results from research made have uncovered the truth that kids are safer in rear-facing car seats. The 2007 journal injury prevention study unveiled that children within the ages of 2 yr were 75% less likely to be killed or obtain very severe injuries in the event of a crash if they are sat in a rear facing manner.


The age 2 recommendation is not a deadline, but rather a guideline to help parents decide when to make the transition, Dr. Durbin said. Smaller children will benefit from remaining rear-facing longer, while other children may reach the maximum height or weight before 2 years of age.


Children must be transitioned from a rear facing car seat to a forward facing car seat that comes with harness for optimal safety, this should continue until they reach the required height and weight. Then a booster will make sure the vehicle's lap-and-shoulder belt fit properly. The correct positioning of the seat belt should be for it to lie across in between the shoulder and the chest rather than laying across the face or the neck- as this can be dangerous in the event of an accident .

While the lap belt on the other hand must fit low and snug on the upper thighs and hips instead of the belly. A number kids will most definitely require a booster seat until they've grown till four feet and nine inches tall as well as being 8 to 12 years of age.


Children should ride in a http://www.primoeurobath.com/booster-seat.html or an http://www.primoeurobath.com/infant-car-seat.html in the rear of a vehicle until they are 13 years old.

An appropriate age and size restraints are still needed for children under the ages of 2 years to ride on the laps of an adult even though the Federal Aviation Authority permits kids to ride on adult's laps.


Just to recap, whatsoever method of transportation, children must be secured or restrained adequately to avoid severe injuries should an accident occur, whether by air, sea or land kids should always be retrained properly, Dr Durbin said. http://www.primoeurobath.com/, http://www.primoeurobath.com/baby-strollers.html, http://www.primoeurobath.com/baby-monitor.html and safe http://www.primoeurobath.com/baby-swings.html are a few of the most valuable baby products recommended for kids safety in their everyday life.

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Sunday 25 November 2012

The truth behind car insurance myths

Everyone knows red cars are more expensive to insure, right? Wrong.

With the latest data from the AA revealing that the average comprehensive premium now costs £1,035.45, car insurance is a huge investment for most drivers.

Worryingly, however, there are a number of myths and misconceptions around car insurance. If you fall for one of these, you could end up overpaying for your cover or potentially invalidate your policy.

We reveal some of the most common car insurance myths.

If I don’t drive my car I don’t need insurance
Wrong. The Continuous Insurance Enforcement (CIE) law requires all registered vehicles to have insurance. It had previously only been illegal to drive uninsured, however, this law, which took effect last year requires all vehicles that are taxed to be insured, even if they are not used.

Those of you who own a car that is not insured must either take out insurance or make a Statutory Off-Road Notification (SORN) with the Driver and Vehicle Licensing Agency (DVLA) – even if you don't drive it.

If I get a speeding ticket my insurance rates will go up
A number of factors come into play here. Your first minor speeding ticket may not have an affect on your insurance rate. However, the speed you were travelling and the frequency of infractions will play a role in determining your premiums.


If I have comprehensive cover I will be insured abroad
A fully comprehensive insurance policy provides the most extensive cover if you’re driving on British roads. Once you leave the UK, however, you may find your level of protection plummets significantly.


For instance, some insurers will only offer you third party cover abroad even if you are fully comprehensive in the UK. This means the company would only reimburse other people for their injuries and damaged property. Other companies will only pay out if you have provided advance warning you will be driving in another country.

Before you head off on holiday, it would be wise to check your policy’s fine print.

My insurance will be more expensive because I am a man
From 21 December this year, insurers can no longer take gender into account as a risk factor when calculating the cost of insurance cover the European Union’s top court has ruled.


Historically, young women have paid significantly less than their male counterparts for their insurance premiums because women are less likely to be involved in an accident.

As a result of this ruling, it’s likely that premiums will increase substantially for many female drivers.

If I buy a red car it will cost more to insure
Wrong. This is a common misconception. Many believe that insurers automatically associate red with youth and aggressive driving but in reality, insurance companies are colour blind.

A spokesman from the AA said that there is no statistical evidence that a red car will increase your insurance premium. Insurers decide what rate you will pay based on the vehicle's year, make, model, body type, and engine size. Other factors that come into play are your driving record, safety statistics, price, and how attractive your vehicle is to thieves.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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Volvo V40 falls short in Which? economy tests

Eco version of Volvo's all -new V40 hatchback falls 20mpg short of official fuel efficiency claims.

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4 fun and frugal ways to downsize in retirement

Whether living at sea, on the road or in a remote cabin, these retirees found inexpensive habitats.

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Saturday 24 November 2012

MEANS TESTING PENSIONER BENEFITS WILL PUNISH SAVERS AND IS PENALISING PRIVATE PENSIONS

Ros Altmann, Director-General of Saga, comments on Nick Clegg's suggestion to means-test pensioner benefits:

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Clean Diesel Sales Continue to Climb in U.S.

According to Autoblog.com, sales of environmentally friendly diesel vehicles, or clean diesels, are up by 27.5%, compared to sales numbers at the same point last year. The article cited a recent study by HybridCars.com and the automotive research and analysis company Baum and Associates. The study revealed that Americans have purchased 61,214 clean diesel-powered vehicles during the first six months of the year. Perhaps even more surprising is the fact that this figure does not include the sale of heavy-duty diesel pickup trucks. But while the sales numbers are significant, they still do not match the number of hybrids being sold in the U.S. According to the study, hybrid sales are up by 63.5% over 2011’s numbers, and beyond the sale of green vehicles, overall automobile sales increased by 14.9% as well.

For clean diesels, 2012 year marks the second straight year where sales have increased by double-digits. According to Allen Schaeffer, the executive director of the Diesel Technol…

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Welcome to The Website!

This particular one is just freshly installed or under heavy development. Want one too? Go to Sauropol.com and sign up for free website!

Are you the site owner? To log in, type /editor after the site URL or head to www.sauropol.com/login.

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Friday 23 November 2012

Turn your hobby into a second income

From eating free meals in restaurants to buying alcohol, we reveal six ways you could make extra money in your spare time.

Think of a typical weekend. How do you spend your free time apart from watching TV and having one too many beers?

If you have a particular hobby or interest, you might not realise you could use this activity to supplement your income. We show you how.

1. Web design

Tech wizards could put their expertise to use by designing and building websites for small businesses and start-ups.

As soon as you have a few satisfied customers, you could pick up more business through word of mouth.

You could also try advertising your services through websites such as PeoplePerHour and Freelancer.co.uk.

2. Become a mystery shopper

Many retailers employ mystery shoppers to review the quality of service in their branches – something that will probably come naturally if you hit the shops most weekends.

If you visit restaurants, you could end up with a free meal and having your expenses reimbursed.

If becoming a mystery shopper appeals to you, visit websites such as Market Force and Retail Maxim.

3. Car booting

Do you love to spend a Sunday morning or bank holiday haggling at your local car boot sale?

Then, you could set up your own stall and clear out the kids’ old school uniform or your old university textbooks.

For more information on how to sell your clutter, check out The £2,817 fortune in your attic.

4. DIY

Anyone with a knack for making home improvements or decorating could supplement their earnings by taking on odd jobs.

The amount you can charge will depend on the average rate in your area and how specialised your skills are.

Let’s say, for example, you charge £15 per hour and work five hours a week. You could pick up £75 per week, which would equate to £300 per month.

5. Arts and crafts

If you have a flair for knitting, making jewellery or homemade cards, you could sell your creations at arts and crafts fetes.

If you’d like to increase your customer base, you could consider setting up your own website. Alternatively, websites such as Etsy and Misi allow users to sell arts and crafts.

6. Going to the pub

If you’re a regular in your local watering hole, you could try to pick up a few shifts behind the bar.

You’ll probably still be able to chat to the regulars and they might even buy you a drink or two. Just try not to overdo it ­– getting drunk on the job is rarely a wise career move.

If you’re 18 or 19, you could get paid to buy alcohol if you register with Serve Legal. This service sends young people into pubs, supermarkets and off-licences to buy alcohol, so they can check whether staff are asking for ID – pretty sure that would have been my dream job when I was 18.

Sorry to end on a dull note, but if you are able to earn extra income, don’t forget to inform HMRC. This extra money could affect the amount of tax you pay or any benefits you receive.

For more articles like this, check out Three ways to make money online and Six top money-saving websites.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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Young people 'priced out' of pubs

Over 8,000 pubs across the UK have closed in the past seven years, coinciding with a drop in the number of young people drinking in local watering holes, according to research.

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ONS SUGGESTS GROWTH MIGHT HAVE BEEN STRONGER WITHOUT QE

• Official analysis suggests QE has hampered economic recovery and damaged national wellbeing
• ONS report indicates QE may have stopped recovery by boosting inflation
• Saga warns against pumping more new money into the gilt market

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Thursday 22 November 2012

Effects Of California State Law On Auto Insurance Rates

Are you attempting to obtain more information on the effects of California state law on auto insurance rates? You may be at the edge of your seat desperately trying to figure out what your best option is for cheap auto insurance. Let us explore your options and find the best policy that is right for [...]

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Top Car Maintenance Tips for Teens

A survey says many teens are “completely clueless” when it comes to car maintenance. (Photo credit: Flickr Creative Commons: Joseph Gilbert)

 

When teenagers (ages 16 - 20) have their own cars, the danger of them crashing it are 2 and 1/2 times more likely than the teens who used the “family car.” So those priviledged few teens who are responsible for their own car should also consider themselves warned — things can go wrong and you can avoid many dangers by learning good maintenace habits.

Yes, teens have much to learn about keeping safely out of a crash, but a recent survey shows that young drivers know even less about car maintenance. According to a recent survey conducted by the Centers for Disease Control and Prevention, two-thirds of teens are rated by their parents as “somewhat or completely clueless” when it comes to how to take care of their car.

This spurred the folks at AutoMD.com to put together six tips for teens (and parents) to keep their cars running well with the ultimate goal for staying safe on the road.

  1. Know your car’s maintenance intervals and keep up with service.
    Look at your owner’s manual and find the car’s required maintenance schedule. This tells you when to have the fluids, tires, brakes, and oil and filter changes.
  2. Take care of your tires — make sure they can get you to school, work, etc.
    Keep your tires properly inflated and watch for tire wear. Consult your owner’s manual or tire sticker on the door jamb for manufacturer-recommended tire pressure settings. Also, look at your tires for wear and tear every time you stop for gas.
  3. Don’t ignore dashboard warning lights
    Dashboard warning lights serve as notification that something may be wrong with your car. The warnings include Check Engine, Oil, Temperature, Brake, Tire sensors and more, depending on the car’s technology. Read the owner’s manual and pay close attention to the lights, what they mean, and how you should respond to them.
  4. Don’t let your car run too low, or out of gas
    Like food, your car needs fuel to survive. Today’s cars are not made to run all the way to the last drop, as many have fuel-injected engines that use gas to cool and lubricate their components. A good rule of thumb is to keep the fuel level above a quarter tank to keep your car running well, and to avoid being stranded on the side of the road.
  5. Steer clear — take care of your windshield
    The windshield is like the eye of your car. Therefore, it is critical to keep it clean and clear for safe driving. Wiper blades that have cracks or that skip, streak, or leave smears should be replaced. You should also check spray nozzles for proper aim. If the nozzles are clogged, clean them with a needle.
  6. Teen life moves fast, but your car doesn’t have to.
    Slow down and avoid speeding. It may seem fun to drive fast, or you may be running late to school, but the best way to keep your car well maintained and safe on the road is to avoid speeding. Speeding is not only dangerous, but it’s bad for your car too. Driving slower puts less demand on your car’s engine and transmission, and also helps to reduce the amount of gas you use in the process. Avoid all driving habits that put stress and strain on your vehicle.

Teen training is only the beginning of a lifetime of good safety habits. To get further information, AutoMD.com has made a Teen Drive Car Maintenance and Repair Guide available on its site where your teen can take a maintenance and repair quiz and sign a certificate of commitment with their parent or guardian.

Preparing the teenage driver to be aware of his or her car’s condition can prevent many a mishap from ever happening at all. And if you have teenage kids, you have enough to worry about without having to add a flat tire, broken down vehicle, or a car stranded on the road to the list.

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Car insurers hike premiums for speed awareness courses

Attending speed awareness courses could see car insurance premiums increase by hundreds of pounds, according to a new investigation.

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Wednesday 21 November 2012

How to Get Cheap Car Insurance

Are you the type of person who believes all car insurance policies are the same? Do you refuse to believe those who try to tell you how you can actually get cheap car insurance? If you answered “yes” to either of these questions you are exactly the type of person this article is intended for. We want you to know that cheap car insurance is indeed possible. We also want to help you find out how to get it.

For starters, please understand that insurance is an industry in which everything is open to negotiation. Very rarely do you have to settle for the first price quoted you by any single provider. With the right leverage and a bit of negotiating skill you can convince most insurance agents to significantly reduce your price over the initial quote. You just need to know what it is you’re looking for and how to push their buttons.

How to Get Cheap Car Insurance

How to Get Cheap Car Insurance

Before you even start looking for quotes consider the following questions:

  • What are the liability requirements in my state?
  • Does my bank require me to carry comprehensive and collision coverage?
  • Do I want extra things like full glass and roadside assistance?
  • Can I afford to pay the entire policy premium upfront?
  • What do my driving history and credit look like?

Obtaining Quotes

The first three questions listed above are extremely pertinent when you start asking for quotes. Whether you use an online quote tool or speak to a representative in person, you’ll need to know what liability requirements are in your state and whether or not you want to increase them for your own protection. If you’ve already determined the minimum liability is sufficient don’t let the insurance representative convince you otherwise.

In terms of collision and comprehensive coverage, you really need to know this before you get started on the quote process. That’s because there is little negotiating room here. If your bank requires you to carry it your premiums will be determined by the value of the car you drive. On the other hand, extra coverages can be used as negotiating chips in order to keep the price down.

Negotiating with Insurance Companies

With multiple quotes in hand you’ll have to narrow them down to your top two or three choices. Then get on the phone and talk to an agent with the sole purpose of convincing the individual to give you a better rate. This is where the last two questions from above come into play.

For example, if you can afford to pay for an annual policy up front you can use that as leverage to bring the price down. Insurance companies love upfront payments because it gives them more cash to invest. If you can’t afford to pay the entire bill, negotiate quarterly or monthly installments that will fit your budget. And never accept unnecessarily high installments fees for the privilege of doing so.

Lastly, your credit history and driving record play a big part in your insurance rates. If you have blemishes on your record be prepared to answer questions about them when you’re talking to the agent. You can still get cheap car insurance if you negotiate firmly but politely. Remember to always be honest and forthright when answering direct questions about your driving history.

It might help to know that most states prohibit car insurance companies from denying policies based solely on credit history. So if you suspect that to be the case, be prepared to show the agent a copy of the law. That should change things instantly.

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How to Keep Driving Safe When You’re Young at Heart

As drivers age, they should be cautious about how the physical effects of aging effect their ability to drive. (Photo credit: Flickr: Andi Jetaime)

It is said of the Baby Boomer generation that we never believe we are actually “old.” However, our bodies betray our youthful attitudes and our abilities to do challenging everyday things. Driving a car is one of those things.

Technically, senior-citizenship starts at 67 years of age, according to when our government’s full Social Security benefits kick in. With medical science and health awareness on the rise, we are living longer, and driving is one of the last bastions of independent living in our culture.

I recently had lunch with some of my high school girlfriends and discovered that many of them avoid driving at night and never drive long distances by themselves – and we’re only in our mid-50s.

Thankfully, a recent study conducted by AAA has resulted in dispelling the popular myth that older human beings are generally terrib...

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First Post!

Start blogging by creating a new post. You can edit or delete me by clicking under the comments. You can also customize your sidebar by dragging in elements from the top bar.

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Tuesday 20 November 2012

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Commercial van insurance for every business owners

Commercial van insurance for every business owners Commercial van insurance are mainly for vans or vehicles that are used for business purposes only. If you intend using your van for commercial use then commercial van insurance is what is required for that purpose.

The objective of a commercial van insurance cover is for the protection of your van with any content that may be included inside, it also covers your business against any eventualities that may occur in future. However, they usually do not come cheap thats why most prudent businesses set out for cheap van insurance policies to cut overhead.

Drastically reducing your outgoings to a minimum is a viable means for running a more lucrative business, this also includes shopping around for the best quality van insurance policy for your business vehicles that won't cost you an arm and a leg..Getting the cheapest insurance can save you money at the beginning but on the long run you could end up loosing a great deal due to ...

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Young people 'priced out' of pubs

Over 8,000 pubs across the UK have closed in the past seven years, coinciding with a drop in the number of young people drinking in local watering holes, according to research.

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Monday 19 November 2012

3 Smart Motorists Tricks For Paying Cheaper Premiums Every Year

Many businesses today can attribute their huge success to the everyday use of th (Read more ...)

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AA’s fight for fair fuel prices backed by government

The government has stepped up to help the AA’s campaign for fail fuel prices by calling on fuel providers to give customers access to daily fuel values- therefore ensuring that blanket prices are marketed across the entire country. The AA hopes that implementing this will ensure that the whole country benefits from lower fuel prices.

It seems that oil price hikes are quickly mirrored at the pumps, but any drop in price takes a long time to filter down to us as consumers- let’s hope this changes following these reforms, as the government has promised to take further action against fuel retailers if new regulations are not adhered to.

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The Rationale behind Car Insurance

It’s probably safe to say that no one reading this article remembers a day when car insurance was not available. If you’re a senior, you may remember a time when it was not mandatory in your state, but the earliest forms of car insurance go back to the late 1800s. It has been a part of all of our lives to one extent or another.

The first car insurance policy on record was written in 1889 to cover the liability of a man named Truman Martin. Mr. Martin owned an early steam powered automobile which, while it was a great invention, was a source of worry in that it could damage property or injure people.

If you want to know the rationale behind mandatory car insurance, that’s it.

Car insurance is a necessity in order to protect us from the carelessness of other people who might cause injury or property damage. If insurance was not mandatory too many people would be at risk of financial devastation after an accident.

How Car Insurance Evolved

The first policies written in the 1800s were pretty much an experiment, given the fact that underwriters really had no idea how much damage a car could cause. Furthermore, so few people had automobiles that accidents between multiple drivers were unheard of. Those early liability policies were more focused on the possibility of damaging buildings, road signs, and pitching posts.

By 1925 there were enough cars in the road to significantly increase the likelihood of multi-vehicle accidents. That forced the insurance industry to reassess cover drivers and effectively deal with the question of personal injuries. That transition paved the way for what is today’s modern car insurance product.

A Policy for Everyone

Whether or not you agree with the compulsory insurance laws in your state, it can’t be denied that healthy competition among car insurance companies has resulted in a wide range of policies and options. As such, there is a policy out there for just about every driver and every need. That’s a far cry from the “one size fits all” policies of the 1920s.

You and I can shop for the cheapest car insurance possible, purchase a comprehensive policy that will cover everything under the sun, or settle on something in between. We can choose between liability limits, different deductibles, and whether or not we want to add items from a long menu of options. In other words, we have enough options to make car insurance accessible and affordable for everyone.

Next time you’re shopping for a new insurance policy remember the rationale behind it. That may not make things any more pleasant in terms of the shopping experience itself, but understanding why car insurance is necessary may take some of the edge off. And, though we sincerely hope it never happens, you’ll get a full appreciation of the rationale behind car insurance if there ever comes a time when you need to make a claim against someone else’s liability policy.

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Sunday 18 November 2012

Tips On How To Limit The Losses On Your Van With A Van Insurance Cover

The main essence of a vehicle insurance policies are to protect against any kind of unforeseen disasters or incidents such as theft, accidents or fire. As a result, if perhaps your motor vehicle gets involved in an accident and gets damaged, your van policy protects it and it’s going to be repaired back to it’s original state. Realistically, car insurance policy is a massive relief for both vans and other automobile owners. Some individuals have this perception that van insurance is pretty expensive and therefore get frightened insuring their vehicles therefore breaking the law. Presently, getting cheap van insurance deal can be extremely very easy if you follow a few guidelines. – http://www.cheapestvaninsurance.org/

A few of the criteria needed for securing a cheap van insurance are: ensuring that you have not claimed from your previous policy for up to 5 years or more; making sure that your van is always packed in a secured garage at night. It is a common belief that only commercial vans needs to be insured but this is not the case rather non-commercial van insurance is important for everyone who drives a van whether for commercial purpose or non commercial purpose.

Extra insurance coverage could be needed for those that use their vans consistently on a daily basis. For individuals and small corporations, vehicles are one of the easiest choice for the moving of products as well as services. Vans have become very depended upon by people and corporations nowadays. In the event that these vans get damaged, then it adversely affects the whole business entirely as movement of goods and services are restricted. In such an ideal situation, that’s where van insurance policy comes in, they would reimburse expenses and losses derived as a result of the damages in addition to getting the vehicle back on the road.

So that the policy holder can be rest assured of not suffering further financial consequences. Before obtaining your van insurance quotes online, always ensure you determine the appropriate cover that meets your requirements and suitability. Whether comprehensive, third party fire and theft or just third party only, paying for a cover you don’t really need would end up costing you more money. Basically, if your premium is less than 10 times your six months comprehensive insurance then you might not need to take out the policy because your van might not be worth taking out the comprehensive cover on.

Some individuals feel they can select a different cover in order to have a cheaper premium but use their vans for a purpose contrary to the purpose they have stated with their insurers, These is very unwise as such acts can invalidate one’s policy. Van insurance brings with it considerable amount of benefits and rest of mind as well against any future eventualities. To help business owners and sole proprietors carry on with their businesses when their vehicle is off road due to an accident, most insurance companies always provide courtesy vehicles for their policy holders.

Business owners most especially benefit from this huge benefit especially those that cannot do without their vans on a daily basis. The insurance of vans includes two major covers that includes comprehensive cover and third party fire and theft. Collision or third party fire and theft entails cover for third party vehicles that are involved with yours in an accident and also covers your vehicles against fire and theft. This coverage is offered mainly for collision with other third party vehicles in an event of any collision whatsoever.

However, in the event of any natural disasters like flood, hail, thunder storms earth quakes and so on then comprehensive cover is the most ideal policy to undertake for your vehicle. A lot of superb advice exists that can help lower the amount of insurance premium billed by insurance firms.

Below are a number of ways to obtain a cheap van insurance-

(I) if you are a good driver, then you can increase your deductible amount and also avoiding any claims in order to lower down your premium.

(II) Installing car alarms and immobilisers do prevent car theft and burglary to a certain extent that the insurance companies are willing to credit you for installing them on your vehicle. Security systems are very effective for deterring break ins and theft and insurance companies give discounts by reducing premiums on vehicles that have installed security systems.

(III) Another great way of acquiring cheap van insurance is by just doing your research other van insurance websites to obtain the cheapest quotes for your needs. Comparing various insurance quotes would help you unveil numerous quotes you never knew existed before.

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Would you cut Social Security?

Would you vote for a small cut to your Social Security if it guaranteed payments and put the U.S. on a solid financial footing going forward?

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Credit Rating Can Affect Car Insurance Rates

You may already know that car insurance companies use a long list of factors to determine how much each of us will pay for car insurance. Things they take into consideration include:

- age and sex of driver
- driver history
- make and model of the car we drive
- geographic location

What you may not know is that credit ratings are also factored in. This suggests that a poor credit rating could possibly have a negative effect on insurance rates. Indeed, that is exactly the case.

The Definition of “Credit Rating”

Before we talk about how your credit rating affects your car insurance rates it’s necessary to explain the credit rating process. In the United States a consumer credit rating is expressed in a number that can range anywhere from 300 to 800, depending on the baseline used.

That number is the result of a mathematical equation created by two engineers in the 1950s. They created the formula to see if they could predict if, and when, a consumer would default on his credit. Surprisingly, their formula turned out to be an incredibly accurate.

When this mathematical formula is applied to an individual, the resulting number is known as the “credit score.” That score tells a bank, store, or insurance company how likely you are to miss payments or fall permanently behind. Most notably, it predicts the likelihood that you will fall behind within the first six months of establishing credit.

Credit Rating Can Affect Car Insurance Rates

Credit Rating Can Affect Car Insurance Rates

Credit Rating and Car Insurance

Your credit score is important to an insurance company because they need to be confident you will make all of your payments on time and without question. They are depending on your payments as a means of helping support their cash position while also giving them some money to invest. If you have a low credit score your insurance company has reason to worry that you will miss a payment or two.

If you have a bad credit score (below 500 is considered bad) you’re likely to see higher car insurance rates. You can bring those rates down in the future by improving your credit score. As an added bonus, an improved credit score means your financial situation is healthier all the way around.

State Laws

By and large, state laws make it perfectly legal for insurance companies to consider your credit rating when determining your car insurance rates. But most of them make it illegal for an insurance company to refuse to cover your based only on your credit score. In other words, it can be a factor, but your credit score cannot be the sole determiner of your rates or whether or not you get a policy.

In addition, if you are rejected by an insurance company, state laws require that company to inform you in writing; they are required to include the reasons for rejecting you in their statement. If you see your credit score as being a factor, you know you need to work on improving that.

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Saturday 17 November 2012

3 Smart Motorists Tricks For Paying Cheaper Premiums Every Year

Many businesses today can attribute their huge success to the everyday use of th (Read more ...)

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Hot Car Deals – Mazda 2

Which? Car Deals: The Mazda 2 is a finely packaged, fun-to-drive supermini with a price tag almost as eye-catching as its well-proportioned bodywork.

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Warning: Don’t fall for fake DVLA email

The DVLA has warned that there is a scam email in circulation and that anyone receiving an email which appears to be from the DVLA requesting personal information should ignore it.

With a link to a fake DVLA data input form, this email suggests that any driver failing to give this information will be required to re-take their driving test. The DVLA has spoken out in warning against this, reminding drivers that they would never request these details online- and that drivers who do input these details could become the victims of identity fraud.

 

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Friday 16 November 2012

5 Great Cars for New Parents

As an expecting parent, you will need to invest in a new car that can accommodate your new baby’s needs, including room in the back to properly install a car seat, additional space for storing a stroller and other baby supplies, and features like a sound system you can easily access and operate to play your baby’s favorite music. As you begin your research into buying a baby and parent-friendly car, check out these five great cars for new parents. Each one is highly rated by trusted sites including Forbes, Vroomgirls, and Edmunds.

  1. Dodge Grand Caravan:

    The Dodge Grand Caravan’s seven-passenger interior, cargo flexibility, and sliding rear doors makes it one of the most family-friendly vehicles currently on the market. Maximum seating will accommodate your growing family, especially when your kid reaches the age where you become the chauffeur for several soccer- or baseball-playing children. The fully tricked-out, user-friendly sound system allows you to lull your baby to sleep with the latest soothing music soundtrack. And last, but not least, it boasts a high performance thanks to a 283 horsepower 3.6-liter V6 engine and six-speed automatic transmission.

  2. Mazda5:

    If as a new parent, a seven-passenger, soccer-mom-friendly, urban-terrain vehicle feels a bit over the top, consider taking it down a notch with the Mazada5 mini-minivan. With the Mazda5, you still have plenty of interior room, enough to accommodate six passengers total. Fold down just one seat and you have room for a baby bag and other supplies, and its sliding rear doors allow for easier loading and unloading in congested parking lots.

  3. Nissan Versa:

    Nissan cars are known for their reliability, and the Nissan Versa is not only reliable, but one of the least expensive new cars out on the market. It boasts a large back seat area and plenty of room in the trunk to store a stroller and much more. The Nissan Versa may be rather plain visually, but its reliability, interior space, and price make it a great buy for new parents.

  4. Toyota Prius C:

    The relatively compact Toyota Prius C delivers 50-plus MPG in the city, features no fewer than nine airbags, and has more interior room than it would appear from the outside. You’ll have to take a little more time to fit in a stroller and baby bag, and the engine can be noisy under heavy acceleration, an issue that might put off parents of newborns. However, the Toyota Prius C’s price and top-of-the-line safety features make it another great buy for new parents to consider.

  5. Kia Soul:

    The stylish, well-priced Kia Soul compact hatchback now includes your choice of two different engines both of which offer improved acceleration and fuel economy. The Kia Soul also offers the rear-seat room and cargo space as well as the safety features, including advanced airbags, brake assist, and anti-lock braking, that parents of a new born should expect when investing in a new ride.

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