Saturday 31 August 2013

The £2,817 fortune in your attic

Can’t be bothered to clean out your attic? Perhaps the possibility of making £2,800 would motivate you.

The average UK homeowner has £2,813 of clutter going unused in their attic, according to research from the Co-operative Bank.

Common items stored away include books, children’s toys and Christmas decorations. Shockingly, 22% of people have as many as five TVs collecting dust in the loft.

However, few of us appreciate we could be sitting on a potential gold mine. When asked to estimate the value of the goods in their attic, people guessed an average of £559 – less than a fifth of the potential worth.

Surprisingly, some 30% of those surveyed wouldn’t consider parting with their clutter in order to make some cash.

James Hillon, Head of Home and Family at the Co-operative Bank said: ‘For many, just the thought of having a clear-out is a cause of worry, so much so that the term ‘hoarder disorder' has been coined to explain the scientific symptoms and medical reasons behind our hoarding habits.’

But just how would you go about making a little extra cash and break the hoarding habit?

Selling online

Although your first thought might be to opt for a well-known site such eBay or Amazon, there are plenty of alternatives so it could be worth doing your research.

Preloved is a site dedicated to selling second-hand goods and allows you to place a free ad without any listing or selling fees.

With musicMagpie, users can earn extra cash by trading in their old CDs, DVDs, games and technology.

Rather than selling your stuff in an auction, the site pays a set amount for each item – you can find out how much your goods are worth by entering the barcode or the name and model.

If you use online charity bookstore Green Metropolis, you’ll receive £3 for every book you sell – though you’ll need to cover the cost of postage yourself and this can range from 50p to £2.50.

Alternatively, you can become a charity seller and 50p or £1 of your profit for each book will be donated to a nominated charity.

Car boot sales

If you can brave the early start, you could dispose of your clutter by having a car boot sale.

Websites such as Yourbooty.co.uk and CarBootJunction contain listings of sales in your area or you could try checking the local paper to find a suitable venue.

Remember, if you want to bag a decent pitch, it could be worth turning up as early as possible to beat the competition.

Also, be prepared to haggle over price ­– many seasoned car booters will be in the market for a bargain and might try to put in a cheeky offer.

If your main goal is to spring clean, however, consider lowering your prices toward the end of the day if you need to get rid of excess stock.

Upcycling

This suggestion will perhaps work best for those with a creative bent or a talent for DIY.

Upcycling is the process of transforming items you no longer need into new, more useful objects.

Cutting up unwanted clothing and using it to cover stains or tears on other material is an obvious example. However, you can check out websites such as this for more tips.

For more articles like this, see Six top money-saving websites and Do you have a hidden fortune?

**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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Credit card balances rise in July

Credit card balances increased year-over-year for the first time in five years, according to Equifax.

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Maniobras sincronizadas con autos – mad drivers

Maniobras sincronizadas con autos - mad drivers

Maniobras sincronizadas con autos – mad drivers.
Video Rating: 4 / 5

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Friday 30 August 2013

What Autonet Insurance’s motorcyclists think…

With the bike season upon us and the weather finally starting to look up, “bikers” all over the country will look forward to jumping on their two wheeled machines and taking to the open roads. We decided to survey our bike clients and see what sort of things attracted them to riding, what kind of bikes they like to ride and what they use their bikes for amongst a whole host of other questions.First of all we wanted to get a feel as to what types of bikes people have owned in the past and what was their most popular choice. Yamaha seemed to be top of the pile with a wide variety of models, closely followed by Kawasaki. Many people owned more than one bike prior to their current choice, some of whom had 13! Just goes to show how passionate some people are about their wheels.

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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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Auto loan rates in St. Paul, Minnesota

It's a good time to be shopping for rates. Car loan rates are low throughout the nation. And there are four lenders in this survey offering better-than-average deals. Use our research to shop for auto loan rates in St. Paul, MN, today. One lender in this survey has recently been offering 1.99 percent on a

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Thursday 29 August 2013

Purchasing Life Insurance over 65 is a Smart Investment, States Online Insurance Marketplace


(PRWEB) June 17, 2013

Online Insurance Marketplace has released a blog explaining the fact that life insurance over 65 is a smart investment for people who want to financially protect their loved ones!

From a multitude of different reasons, purchasing life insurance over 65 can be a very smart investment, especially if one is getting older. A life insurance policy can indeed help one’s spouse to continue to enjoy the standard of healthy living one has achieved.

Other people buy a policy to cover their funeral and burial or cremation expenditures. These expenses can easily exceed 10,000 or even 20,000 dollars. Some people even make a stipulation in their policy and in their last will and testament that their senior life insurance policy benefit be used to throw a party celebrating the life of the deceased.

Some people have different plans for their policy benefit in the sense that they might use it for to set up a scholarship, to pay the mortgage loans, to make a donation to their favorite charity etc.

Choosing the best over 65 life insurance must be your first and top priority. Comparing premium rates from various and different insurance companies is also important in order to choose the most affordable policy, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Online Insurance Marketplace is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://lifeinsuranceover65.com.







More Auto Insurance Companies Press Releases

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Money market account and rates in Florence, Alabama

The average national money market account yield is at 0.12 percent in our latest rates survey. It’s been there for quite a while. And with the Fed keeping a hold on rates until at least late 2014, chances are it won’t be moving up anytime soon. But there are still some higher rates out there.

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Firm fined for safety failings

A construction and design company in Berkshire has been fined and ordered to pay costs after a bricklayer broke his pelvis and wrist following a fall.

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Wednesday 28 August 2013

What Public Liability Cover do I need?

When you work on people’s properties and with members of the general public you may be susceptible to claims being made against you. No matter how good you are at your job accidents can happen and if you don’t have the right cover in place then you could end up having to pay a hefty compensation claim.

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6-month CD rates in Wilmington, North Carolina

CD rates are low throughout the country right now. But there are still some decent deals available. For example, one bank in this survey has been offering 0.61 percent on 6-month CDs, which is over four times the national average. Use our tools to find the highest CD rates in Wilmington, NC, today. It's important

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Mortgage rates in Grants Pass, Oregon

If you are looking for low mortgage rates in Grants Pass, OR, check out our site. We provide the ability to check local mortgage rates in Grants Pass with our easy rates search function. It offers real-time, accurate data on mortgage rates throughout Oregon and throughout the country. Turn to us for up-to-date, accurate information about

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Monday 26 August 2013

Essential household costs rise by £4000

According to latest figures from the Aviva Family Finances Report, UK families are spending £3,972 a year more compared to previous years on essential household costs.

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Deadly Driving: A Look At Teen Drivers

If you’re seeking a car insurance plan, there are many, many factors that get taken into account, particularly if you have a family with kids in it—kids who will one day likely be sitting behind the wheel of your family car. Getting your teen started down the road with a learner’s permit can be one of the most nerve-wracking experiences in your entire adult life. Most teens are ready and eager to hit the open road, but there’s a lot of consideration that needs to go into making sure your teen is safe and insured properly for any circumstance that may arise. Teenagers and younger drivers are hands-down the most accident prone demographic on the road: They crash more, seem to think less, and tend to engage in more risky behaviors, like drinking and driving or texting while behind the wheel. You want your teen to be safe, and you also want them to be taken care of by your insurance plan. If you’re curious about the proper way to be sure your teen is well cared for by your insurance plan, check out this handy guide to the best insurance for your young driver. Every parent’s ultimate desire is for their teen to stay safe, but the odds of your 16-year-old getting into a fender bender are too high to not make entirely sure that your insurance policy is reliable and effective for any situation. Whether you’re the parent of a soon-to-be-driving teen yourself or you simply want to be more aware of those young folk you share the road with, the following infographic takes an in-depth look at some of the dangers that are present among teen drivers today.

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The post Deadly Driving: A Look At Teen Drivers appeared first on CarInsurance.org.

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RECORD NUMBERS OF OVER 65s IN EMPLOYMENT

Poor pensions and rethinking retirement help redefine later life work

Dr Ros Altmann, Director-General of Saga, comments on the ONS Labour statistics showing the highest ever employment rate amongst over 65s:

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Sunday 25 August 2013

Hot Car Deal – Skoda Octavia

Which? Hot Car Deals: Money saving deals on the already value-for-money Skoda Octavia and Skoda Octavia Estate.

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How To Get The Best And Affordable Van Insurance Cover For You A

Investing in vans or similar vehicles has resulted in many businesses doubling or even tripling their profits because of the role these vehicles play. No matter the type of vans employed in the running of a business, the law requires that every vehicle must be covered with an up to date insurance policy before being driven on the roads or used for any business activity.

Getting the right insurance coverage for a van can become extremely expensive for businesses, especially those requiring fleet insurance for their numerous vans. So what are the most effective ways for lowering van insurance costs?

Whether renewing your current policy or buying a new policy, one of the most efficient ways for lowering your premium is to take the time out to compare different quotes from insurers. In this day and age, the way we search for information has been greatly influenced by the advent of the internet, and so provide the best place to begin your search for the least expensive van insurance quotes.

Take Time Out To Begin Your Research Online

The days of painstakingly calling and dealing with several insurers at a time to compare quotes are now over. Comparing quotes one by one is a boring and tedious way of getting cheap quotes, but with the use of comparison websites, you can get dozens of quotes within minutes thereby saving you time, energy and money . You would be able to gain access to numerous quotes from different insurers once you complete the form.

However though, not all quotes will be suitable for your needs, you will discover that some insurers will be in a much better position to provide you with a decent level of cover at a low cost rate . Before you completely commit to the insurance quote, it's always advisable to call the insurer and discuss the terms of the policy and to see if you can even get a reduced rate for the policy.


While the net is one of the best places to commence your search, calling the quote provider to lower the quote even further is an ideal strategy to getting the cheapest premium possible. It's a great way to discover exactly what's contained within the policy cover you're buying and, most importantly, what they do not include. After giving the insurance company any new information regarding your policy, they should now be in a much better state to give you their final quote.

Discuss Your Policy In Detail By Phoning The Insurer

Van insurance being a specialist type of insurance cover can be rare in comparison to all other known insurance. Not every insurance company would offer cheap policies, in particular competitive premiums. Often times, motorists prefer to go with the easy option by dealing with previous insurers they used in the past instead of trying new insurance companies. Nonetheless, if you're serious about obtaining cheaper premiums you might just want to go deeper.

Being satisfied with your current insurer doesn't mean you cannot go out there looking for better bargain premiums, there's a lot to be gained by shopping around and comparing quotes. Not a lot of motorists understands that finding cheap quotes can be inexplicably very easy, what ever type of approach you adopt in finding bargain insurance quotes, your desired outcome is within your grasp.

Getting a cheaper quotation from an insurer, you can persuade other insurance companies you approach to beat that particular quote thereby making your premium even cheaper on the long run. Insurance companies are in no obligation to change the quote they've given you, when approached most will categorically decline your request, but it's just a good way of establishing a medium of communication between you and the prospective insurer.

Proposed Changes To Your Coverage

Bare in mind that your utmost goal is to lower your premium quiet considerably, so you should decide what part of your policy is needed and what's not, in order to maintain a balance between reasonable premium and adequate cover. Some policies might include other products you really do not need, for instance, step up cover, protected no claims bonus (PNCB), personal injury cover, third party injury cover, European cover, legal expenses cover and so on. There is no need allowing them in your policy when you do not need them.

Obtaining a cheap van insurance premium entails taking out any unwanted extras withing the policy so you can pay for what you require only- thereby saving you money. Don't go increasing your level of excess by an insane amount, just make sure you aren't paying for unwanted add- on. Getting rid of all the unwanted optional extras from your policy will help you save loads.

In a nutshell, you cannot discover cheap van insurance quotes or premiums if you do not take out time to commit towards finding it. Irrespective of you conducting researches that involves you calling your prospective insurer or getting quotes from numerous insurers, there are many different choices you could make to get you the right outcome.

Resources:
http://www.cheapestvaninsurance.org/one-day-van-insurance.html
http://www.cheapestvaninsurance.org/short-term-van-insurance.html

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AutoGlass chooses the Transit Custom

Glass manufacturer AutoGlass is refreshing its 1250-strong Transit Fleet by adding 90 long-wheelbase 2.9 tonne Custom vans.

Each van will be fitted with the bespoke interior needed by AutoGlass, especially the racking which carries the windcreens safely to vehicles. Each Transit Custom will go through a 4 year/100,000 mile lifecycle with the business. AutoGlass’ Fleet Manager, Ged Raymond said:

‘The glass we have to carry is getting bigger and therefore so must our vehicles. The Transit Custom meets our needs perfectly and is being well-received by our mobile technicians. They have always loved the Ford Transit and they like this one even more.’

The Van Insurer is on hand to provide you with a fantastic van insurance quote. We’ll even beat your cheapest.

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Saturday 24 August 2013

6-month CD rates in Elmira, New York

Shopping for the best CD rates in Elmira, NY? Our tools can help. Despite low rates throughout the nation, there are still some decent deals available. Use our research to find rates in New York. One bank in this institution has recently been offering 0.61 percent on 6-month CDs. That's over four times the national

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London close: Taper concerns hit stocks ahead of Fed minutes

London benchmark index dropped one per cent on Wednesday as investors trimmed positions and took cover ahead of the risk event of the week, the minutes of the Federal Open Market Committee (FOMC) meeting ...

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Your biggest wastes of money

Buying flashy cars and not planning for the future are just a couple of mistakes people make with their finances.

Unfortunately, there is quite a gap between what people would like to do with their money and what they actually do. For many, buying a house, taking trips with family or even retiring may present difficulties if drastic changes aren’t made in spending and saving habits.

Financial planning is vital for attaining realistic goals. Investing for the future should be a regular habit.

Here are some common financial mistakes that people make.

Not paying bills on time

Many people look at credit cards as a means to improve their lifestyle. So the end of the month rolls around and you receive that dreaded envelope in the post from your credit card company.

If you've ever paid a bill late, you will have probably noticed that you're charged a fine.

Brushing aside your bill or ignoring it all together could be detrimental to your credit rating and cost you more through the interest payments.

Trying to make an impression

Just because your neighbour has a flashy new TV, doesn’t mean you need to get one.

Buying for status is perhaps one of the worst financial mistakes. There is no evidence to prove that impressing others with a fancy car can make you happier. In fact, the debt you take on while acquiring these assets could prove to be costly. Never think about what others have as there are financial consequences of buying more than you need.

Overusing credit cards

Time and time again cards are used to purchase the smallest of things – from a loaf of bread to a packet of crisps.

The cost of the items you have charged becomes the purchase price plus interest. Before you know it, you’ll have filled the car up with petrol, bought a new duvet cover and have acquired the entire Monty Python DVD box set. Next time you make impulsive purchases, ask yourself if what you are buying is worth the interest.

Not planning for the future

Taking control of your spending and managing your money can help pave the way to achieving financial goals.

Failure to plan ahead can be a result of inexperience or may even be attributed to ignorance and fear. Although you may not want to face the future, it is just around the corner and without significant planning, you will find life much more difficult.

Lack of life insurance and health insurance could leave you in a difficult situation if problems were to arise. After all, life insurance is an asset for an individual.

Acting as a guarantor

Those of you with good credit may sometimes be tempted to guarantee a tenancy agreement or mortgage for a friend or family member with a history of financial problems.

But be prepared for what this implies. When you guarantee a mortgage or tenancy agreement, you’re taking on a risk that a professional lender or letting agent won’t take. If they can’t repay the debt, then you will be responsible for it. You may be better off staying away from playing the sugar daddy or a good Samaritan and keep your financial records on track.

**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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Friday 23 August 2013

Mortgage Rates in Chicago, Illinois

See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Chicago.

Check out more... When to obtain new quotes Click here now.. Why you need new quotes Read on to find out more..

Investors move defensive ahead of Fed minutes

Fears that the US Federal Reserve could start tapering its monetary stimulus package as early as next month sent investors piling into defensive stocks on Tuesday in a bid to preserve capital.

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Illinois Financial Responsiblity (SR-22) Insurance

Financial Responsibility Insurance (SR-22) monitors the insurance of problem drivers and authorizes the Secretary of State’s office to suspend upon cancellation or expiration. Financial Responsibility Insurance is required in Illinois for individuals with safety responsibility suspensions, unsatisfied judgment suspensions, revocations, mandatory insurance supervisions and individuals who receive three or more convictions for mandatory insurance violations.

To obtain an SR-22, you must contact an insurance company authorized to write SR-22 policies for Illinois. The issuing agency also must have a power of attorney on file in Illinois. The SR-22 must be submitted on a Financial Responsibility Certificate from the home office of the insurance company. The SR-22 certificate is issued in one of the following forms:

  • Operator’s Certificate — covers the motorist in the operation of any non-owned vehicle.
  • Owner’s Certificate — covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for all owned vehicles.
  • Operators-Owners Certificate — covers all vehicles owned or non-owned by the driver.

When payment is made to an insurance agency, the agent will submit a request for an SR-22 certificate to the central office. The SR-22 certificate is sent directly to the Secretary of State’s office and may take up to 30 days for processing. The individual will receive a copy of the SR-22 from the insurance company and a letter from the Secretary of State’s office. The insurance must be maintained for three years. If the SR-22 expires or is cancelled, the insurance company is required by law to notify the Safety and Financial Responsibility Section by a SR-26 Cancellation Certificate. Upon receipt, the driving record will be suspended. This suspension cannot be removed until the insurance filing has been reinstated.

SR-22 insurance must be renewed a minimum of 45 days in advance to avoid future insurance-related suspensions. If the insurance agency does not receive a renewal 15 days before the insurance expiration, they are required by law to notify the Secretary of State’s office.

As an alternative to SR-22 insurance, an individual may deposit $55,000 in cash or securities with the Illinois State Treasurer, file a surety bond, or file a real estate bond approved by a court of record. Out-of-state residents may request their proof of financial responsibility for Illinois be waived by completing an Affidavit. The affidavit applies only to Illinois’ insurance requirements. In the event you move back to Illinois within three years from acceptance of the insurance waiver, your SR-22 requirement for Illinois would be reinstated.

 

Information source: http://www.cyberdriveillinois.com

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Wednesday 21 August 2013

Six scam warning signs

Con artists operate in every walk of life, but could you spot a scam?

Working as a personal finance journalist can make you jaded at a pretty young age as you’re constantly hearing tales of people who have been fleeced or hoodwinked.

However, it’s difficult not to be cynical when you examine the facts. According to figures from the Cabinet Office, 56% of people have been targeted by online criminals – with the average victim losing £247. Scarier still: internet fraud is just one type of scam and there are countless other ways you could be caught out.

If you’ve been contacted about a deal that seems too good to be true, chances are you should trust your instincts. Here are six telltale signs that you’re dealing with a scammer.

1. You receive a cold call

If you’re contacted out of the blue by a company that claims its services could make you filthy rich, it’s wise to be on the alert. If an opportunity were really that good, seasoned investors would be queuing up to get in on the deal – the company won’t need to make unsolicited calls.

2. You’re asked to pay fees upfront

This type of fraud is known as an ‘advanced fees scam’ and should be treated with extreme caution. If you’re informed that you have won a prize but can only claim after paying a fee, it’s prudent to be on your guard.

Be especially vigilant if you’ve never heard of the company before and have no recollection of entering the competition. Have you ever heard of someone who has legitimately bagged a fortune in a situation like this? Thought not!

Also watch out for anybody who asks you to provide your banking details over the phone or via email.

3. No permanent office

Companies without a permanent address are inevitably more difficult to trace if something goes awry.

If a company provides you with a mobile phone number or PO Box, the Citizens Advice Bureau advises you to check its details with Companies House or do some additional research to ensure it’s a legitimate business.

Likewise, you should also be wary of any company based overseas as these can be more difficult to trace.

4. The company isn’t regulated

Before entering into a contract with any business, it’s wise to check it is registered with the relevant bodies. For instance, reputable financial companies should be listed on the Financial Services Authority (FSA) register.

If you’re especially concerned about a particular business, you could check this list of unauthorisesd firms that the FSA warns customers against.

5. Poor spelling and grammar

Not to be pedantic but errors on a website, in emails or letters are often a warning sign that something is amiss.

Legitimate companies should take care to appear professional and hire someone with a decent standard of English to produce their written content.

Although this isn’t always the case, it’s a pretty reliable yardstick as far as scams are concerned.

6. Ssshhh! It’s a secret

Scammers may claim to be privy to inside knowledge in order to tempt you to invest in a product that turns out to be fraudulent ­­– either non-existent or worthless.

The scammer may also ask you to keep the investment a secret. Would a properly regulated broker or investment firm really behave in such an unprofessional manner?

The real reason fraudsters ask you to keep the call a secret could be that they’re worried that you’ll discuss the matter with someone who will clue you into the fact it’s a scam.

For more articles like this, check out Five of the craftiest holiday cons and Four shocking insurance scams.

**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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Money market account and rates in Pittsburgh, Pennsylvania

Shopping for a money market account and rates in Pittsburgh, PA? Our survey can help. While rates are very low throughout the nation, there are still some institutions offering better-than-average deals. In fact, five banks in this survey are offering rates better than the national average of money market accounts. Our tools can help you

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Few Tips That Could Save You A Fortune On Your Van Insurance Bill

The use of vans in businesses cannot be over-emphasized, hence, they play a pivotal role in the daily activities of every business.  Irrespective of whatever services or business operations vans are used for, whether moving goods from one location to another or used for carrying building tools and machinery, all vans must be protected by an up to date van insurance policy.

Due to the expensive nature of certain insurance policies, a huge majority of small businesses now underinsure their vans in order to save money on their policies. Below are some few tips and tricks that will help you obtain that elusive cheap van insurance quotes you've been searching for.

If you're looking to renew the current policy or wanting to buy a new one, you can increase your chances of finding a cheaper premium by conducting research that would help you unveil the cheapest and best quote for you or your business.  The net has changed the way we search for data and information on this basis offers the ideal starting point for all reseach to be conducted.

Research Online and Save Time and Money

Typically, not a lot of individuals and businesses posses the time and patience to be calling insurers one by one to obtain quotes with the view of saving money on their premium. Using the services of a van insurance comparison website is an ideal way of saving you time and money because they compare quotes from dozens of van insurance companies to bring you the cheapest quotes. What you'll need to do is complete the form on the site as accurately as possible and then see and go through live quotes from hundreds of other insurers within a few minute.

However though, not all quotes will be suitable for your needs, you will discover that some insurers will be in a much better position to provide you with a decent level of cover at a low cost rate . Armed with your chosen quote, it's time to call up the insurer to discuss details of the policy and to see if you can get an even further reduction on your premium. There is no harm in trying.

Calling the insurer after settling for your chosen quote to see whether they can reduce it further is the best way to obtain the best deal possible.  It's an ideal opportunity for you to determine what is contained within the policy you're buying and what is not in it. After giving the insurance company any new information reagarding your policy, they should now be in a much better state to give you their final quote.

Phone Up Your Insurer To Discuss The Policy

Insurance for van is a little more of a specialist type of cover than car or even home insurance. Not every insurance company can offer you competitive quotes. Most times motorists just prefer to take the easiest option by settling for what they've been used to, in particular, things they've been familiar with in the past . Nonetheles, if you're serious about obtaining cheaper premiums you might just want to go deeper.

Being contented with your current premium does not really stop you from shopping around and obtaining a cheaper quote elsewhere. Finding cheap van insurance quotes can be extremely very easy no matter what means of search you implore- a number of motorists often prefer comparison websites while others prefer to approach individual insurer one by one.

You can easily use a cheaper quote to obtain a more cheaper premium by using it to approach another insurer so they can try and offer you a much lesser quotation- it's been one of the oldest trick in the insurance industry. Really, they are not obligated to change their quote, and majority of insurers will not bulge, but it gives a great way of opening the lines of communication and opening the possibility of lowering your premiums without changing policy.

Verifying Your Policy

Bare in mind that your utmost goal is to lower your premium quiet considerably, so you should decide what part of your policy is needed and what's not, in order to maintain a balance between reasonable premium and adequate cover. Typically, insurers would like to cross sell you on other insurance packages like legal expenses cover, personal injury cover, European cover and lots more. But, there isn't any point buying any of these package when you really do not need them.

Taking out all unwanted products from the policy before buying is the ideal way to save money on your premium, products like accidental break down cover, legal expenses, third party injury liability, personal effect protection are just a few to keep an eye out for. Increasing your level of excess to an unscrupulous amount can be tempting, but always remember that should you be involved in an accident your insurers would request that you pay up the entire amount before your vehicle can be repaired. Saving a significant amount from your premium can only be attained when you eradicate unwanted optional extras.

Lessons to be learned here is that to get a cheap van insurance premium, you'll have to be prepared to fold your sleaves and dig dirty. Irrespective of you conducting researches that involves you calling your prospective insurer or getting quotes from numerous insurers, there are many different choices you could make to get you the right outcome.

More resources:

http://www.cheapestvaninsurance.org/

http://www.cheapestvaninsurance.org/one-day-van-insurance.html,

http://www.cheapestvaninsurance.org/short-term-van-insurance.html

http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html

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Tuesday 20 August 2013

OVER 50s TEND TO SHOW RESTRAINT WHEN IT COMES TO ALCOHOL SAYS SAGA

Responding to a report by Newcastle and Sunderland Universities on older people drinking too much, Paul Green, director of communications for Saga said:

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Getting Car Insurance After Several Minor Accidents

One or two minor accidents might not persuade your insurance company to bump up your insurance premiums by a great deal. But continue a pattern of small mishaps and you could find getting car insurance a more difficult, and expensive, process. Some states, in fact, let an insurer cancel policies of drivers who are involved [...]

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AutoGlass chooses the Transit Custom

Glass manufacturer AutoGlass is refreshing its 1250-strong Transit Fleet by adding 90 long-wheelbase 2.9 tonne Custom vans.

Each van will be fitted with the bespoke interior needed by AutoGlass, especially the racking which carries the windcreens safely to vehicles. Each Transit Custom will go through a 4 year/100,000 mile lifecycle with the business. AutoGlass’ Fleet Manager, Ged Raymond said:

‘The glass we have to carry is getting bigger and therefore so must our vehicles. The Transit Custom meets our needs perfectly and is being well-received by our mobile technicians. They have always loved the Ford Transit and they like this one even more.’

The Van Insurer is on hand to provide you with a fantastic van insurance quote. We’ll even beat your cheapest.

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Monday 19 August 2013

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Don’t Get Caught without Car Insurance

For a lot of people, car insurance is one of those things we purchase grudgingly because the law requires us to do so. If we had our way we wouldn’t bother sinking tens of thousands of dollars, over the course of a lifetime, into a product we may never use. But it’s better to purchase insurance than be caught without it.

These days’ state laws take driving without insurance very seriously. And with good reason. As the cost of health care and consumer prices continue to rise, the potential financial loss represented by even a minor car crash are higher than they’ve ever been. The damage caused by a serious accident could push someone to the brink of financial ruin.

Whether we agree with insurance laws or not, make no mistake that every state requires drivers to make good on any damage they cause or injuries they inflict through car accidents. In legal terms this is called “financial responsibility.” With the exception of Idaho, every state requires drivers to prove financial responsibility before they are legally allowed to register and drive a car.

Immediate Consequences

If you’re pulled over by a police officer or involved in an accident, having no insurance coverage will usually result in immediate consequences. At the very least you’ll be given a citation and forced to pay a small fine. But most states are not that easy. Most will impose severe penalties such as:

  • severe fines in the hundreds of dollars
  • suspension of a driver’s license and registration
  • vehicle impound
  • potential jail time

Each state is obviously different in the penalties they impose and the means by which they do so. But make no mistake about the fact that driving without insurance is not taken lightly. If you’re caught, you will pay.

Future Consequences

In addition to the immediate consequences of having no insurance, there are some future, long term consequences as well. First off is the fact that an insurance violation will most certainly result in higher rates on future policies you purchase within the next couple of years.

Second, insurance companies do have the right to reject you for a policy if you have a no insurance citation on your record. You may try to get a policy through half a dozen companies only to be rejected by all of them. In such a case you would be left to purchase your car insurance from a company specializing in high risk; this means higher rates.

Third, repeat offenses can land you in jail in many states. Once that’s on your record it will forever affect lots of things including job prospects, housing options, and so on.

While it’s true many Americans have a hard time finding cheap car insurance they can afford, being caught without it is even more unaffordable. Think long and hard before getting behind the wheel of an uninsured vehicle. It’s not worth the potential fines, suspensions, and jail time just to get where you’re going.

 

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Toyota recalls 5,400 Yaris cars

Toyota is recalling 5,400 Yaris and Verso-S models in the UK with steering faults

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Sunday 18 August 2013

Sally Put Her Personal Life on Hold to Help Me

I’ve been a customer with you all for quite some time and I recently had an issue with my policy and your customer service representative Sally helped me out for several hours.  She put her personal life on hold, stayed late, had to reschedule her fingernail appointment, and did everything to just be there for me to give me a hand.  I think that’s way above and beyond typical customer service and I think she’s an absolutely awesome customer service lady and I wanted to give credit where credit is due.  I think Sally is awesome and I couldn’t ever ask for a better customer service representative.  Thank you all so much. 

-Lane in VA

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RECORD NUMBERS OF OVER 65s IN EMPLOYMENT

Poor pensions and rethinking retirement help redefine later life work

Dr Ros Altmann, Director-General of Saga, comments on the ONS Labour statistics showing the highest ever employment rate amongst over 65s:

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Phones 4U insurance provider fined £2.8m

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Saturday 17 August 2013

Take out a short-term loan from your IRA

You can lend yourself money from your retirement account, but there are limits.

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Phones 4U insurance provider fined £2.8m

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Latest Auto Insurance News News

Dwayne Jackson Selected For "Chicago Home/Auto Insurance Professionals"
Following the publication of Dwayne Jackson's selection for Chicago Magazine's Chicago Home/Auto Insurance Professionals list, American Registry seconded the honor and added Dwayne Jackson to the "Registry of Business Excellence™". An exclusive …
Read more on The Herald | HeraldOnline.com

Insurance Auto Auctions Optimizes Mobile App for iPhone 5 Users
WESTCHESTER, Ill., June 17, 2013 /PRNewswire/ — Insurance Auto Auctions, Inc. (IAA) the leading live and live-online salvage auto auction company and wholly-owned subsidiary of KAR Auction Services, Inc. (NYSE: KAR), today announced that it has …
Read more on PR Newswire (press release)

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Friday 16 August 2013

Firm fined for safety failings

A construction and design company in Berkshire has been fined and ordered to pay costs after a bricklayer broke his pelvis and wrist following a fall.

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California DUI Reportability Requirements FAQs

Q1.    What changes affect DUI offenses on a driving record?

A.   Effective January 1, 2007, new legislation extends the reporting period for DUI offenses from 7 to 10 years for all public requestors, including insurance companies.

Q2.    Why did the law change?

A.  The new law allows insurance companies access to the driving record information to properly apply the new provisions of the Insurance Code established under Senate Bill 597 (2005), to determine a customer’s eligibility for a good driver discount. Based on the new laws, drivers with a DUI violation occurring within the past 10 years are not entitled to receive a good driver discount.

Q3.    I had a DUI in June 2003 that no longer appears on my driving record. Will this violation now show on my record again, since it occurred less than 10 years ago?

A.  Yes, based on the law, your DUI offense will appear on your driving record and will remain there until June 2013, 10 years from the violation date.

Q4.    I have been getting a “good driver” discount on my car insurance ever since my 2004 DUI went off my record in 2011. Will I still qualify for this discount?

A.  Unfortunately, no. Under the CA law, you may not qualify for a good driver discount again until 2014, 10 years from the date of your DUI violation. You may want to contact your insurance representative if you have additional questions regarding your insurance premiums.

Q5.    Will my DUI violation automatically be removed from my driving record after 10 years?

A.  Yes, a DUI offense that occurred more than 10 years ago will not appear on your out-of-house/public driving record.

Q6.    Will the law affect me if my DUI violation occurred over 10 years ago?

A.  No, a DUI violation that is already more than 10 years old will not reappear on your driving record.

Q7.    How do I know which violations will report for 10 years?

A.  Under the new law, any DUI violation under California Vehicle Code sections 23140, 23152, or 23153 will report for 10 years. There are some other non-DUI violations (e.g. 23103.5 “wet” reckless) that will report to courts and law enforcement for 10 years and may count against you for the purpose of determining increased penalties for repeat offenders, but will continue to show on a public driving record for only 7 years.

Q8.    Why is the DMV discriminating against individuals with DUI offenses?

A.  The department is not discriminating against individuals with DUI offenses. It is implementing legislation that is intended to discourage DUIs by increasing the time-period that an offense remains on an individual’s driving record.

Q9.     Will an exception to the new law be made if an individual has no tickets or violations after the DUI offense?

A.  No, the 10-year reporting period applies to all non-commercial drivers, even those who maintain a clean driving record thereafter.

Q10.     What will happen if my insurance company previously gave me a good driver discount and now finds out I had a DUI more than 7 years ago.

A.  It will be up to your insurance company to correctly apply the provisions of the Insurance Code and make decisions regarding your policy based on specific entries on your driving record. They may modify your existing policy, offer you a new policy that does not include a good driver discount, or cancel your policy completely.

Check with your insurance company representative if you have specific questions related to your eligibility for a good driver discount.

Q11.    I drive for a living and my employer participates in the DMV Employer Pull Notice (EPN) Program. My employer is not aware that I had a DUI in December 1997. Will my DUI now be reported to my employer?

A.  Effective January 1, 2007, your DUI will again report on your driving record since it occurred within the past 10 years.  The department’s EPN program automatically generates and mails a driver record to the employer for newly enrolled drivers, or upon any action or activity updated to the record, or annually for currently enrolled drivers.

Although employers will not automatically be notified of a DUI that reappears on a driving record when the new law takes effect on January 1, 2007, the DUI violation will appear on the next printout DMV provides to your employer.

Q12.    I drive for my employer.  I’m afraid I will lose my job if my employer finds out I had a DUI in 1998.  The DUI did not appear on my DMV printout that I provided to my employer nine months ago when I was first hired.

A.  It will be up to your employer to determine if the DUI will affect your employment. You may want to discuss your concerns with your employer.

Q13.    How does the new law affect me if I have a commercial driver license (CDL)?

A.  The new law pertains only to non-commercial drivers.  Due to federal requirements established under the Motor Carrier Safety Improvement Act of 1999 (MCSIA), the reporting period for DUI violations is different for commercial drivers.

For example, a conviction for a major violation committed in a commercial vehicle (e.g. DUI) will be retained for a period of 55 years on a CDL record, as will a driver license suspension or any withdrawal action.

Q14.     What will happen if my insurance policy is cancelled because of a DUI violation?

A.  If your insurance policy is cancelled for any reason, you need to get new insurance right away, since it is illegal to own or operate a vehicle without liability insurance in California. You may want to check with a company specializing in DUI insurance, like Serenity Group Insurance to get the most competitive rate on insurance with an SR 22.

Current law requires your insurance company to electronically report your insurance information to DMV. Once your insurance company notifies the department that your policy has been cancelled, you will receive a notice indicating that your vehicle registration will be suspended if new insurance information is not submitted within 45 days.

In addition to proof of insurance for registration, if you are required to maintain a California Insurance Proof Certificate (SR 22) for your driver license, you will need to have your new insurance company file a new California SR 22 with DMV immediately to avoid the suspension of your driver license based on the cancellation of your insurance proof certificate.

 

Information source: www.dmv.ca.gov

 

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Money market account and rates in St. Louis, Missouri

Times have been tough for savers. Fortunately, there are some decent deals out there. If you're shopping in Missouri, one bank in this survey has recently been offering nearly three-fourths of a percentage point more than the national average. You can use our tools to shop for a money market account and rates in St.

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Tuesday 13 August 2013

Home values: Check out the 5 worst markets

These cities had the biggest home value drops in 2013's second quarter, according to the NAR.

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Retirement planning in Greensboro, North Carolina

Build a comprehensive nest while retirement planning in Greensboro, NC, by visiting our site. Utilize the guides and tools available to help you succeed. If you're searching for a low-risk investment with a better yield than your savings, consider a money-market account for retirement planning. Let us assist your retirement planning in Greensboro, NC, with our rate tables that are updated

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Can you change your card terms?

A Russian man whose self-amended credit card contract was upheld makes you wonder if it can happen here. Probably not.

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Monday 12 August 2013

Six things to do before Christmas

Now that December almost here, we reveal six ways to safeguard your finances before Santa arrives.

With presents to open and trees to decorate, Christmas can be the perfect time of year to indulge our inner child.

However, this doesn’t mean we can forget about our financial responsibilities. If we’re not vigilant, Christmas can end up being one of the most painful times for our wallets, so we’ve drawn up a six-point Christmas financial checklist.

1. Check your presents are insured

Some insurance companies automatically increase the value of your home contents cover around Christmas. The Post Office, for instance, raises contents cover by 10%, but other insurers will not so it makes sense to check your policy’s fine print.

Most insurance policies carry a single article limit (SAL) which is the maximum you can claim for an individual item. Beware, the limit could be just a few hundred pounds.

If your presents exceed the SAL, contact your insurance company as you may need to name them separately on your policy or even purchase separate cover.

2. Sort out your tax return

If you need to send a self-assessment tax return, the online deadline is 31 January.

However, it’s wise to get this sorted as soon as possible rather than getting caught up in a last-minute scramble. If you fail to meet the deadline, you could face a £100 fine.

People who need to fill in an online form include the self employed, those who need to pay Capital Gains Tax and anyone whose income is above a certain level. However, this list isn’t extensive so check the HM Revenue & Customs website for more details.

3. Get your boiler serviced

If your boiler has ever given out during winter, you probably know how stressful the experience can be.

However, it can also work out extremely expensive if you don’t have some form of home emergency cover included on your home insurance.

Rather than risk your boiler dying on a freezing winter night, it might be easier and cheaper to have it serviced by a registered gas engineer over the next few weeks.

4. Cut the cost of your energy bills

As you probably remember from the past couple of winters, our gas and electricity bills have been getting more and more expensive.

The situation is bound to get worse this year. During the past six months, five of the Big Six energy suppliers has raised prices. As a result, the typical household now faces energy bills of £1,283 a year, according to research from Skipton Finance Services.

However, you may be able to offset these hikes by changing to a new energy supplier. In some cases, it’s possible to save several hundred pounds.

5. Prepare your car for winter

Every couple of years, antifreeze and engine coolant levels deteriorate, which leaves your engine at risk of freezing. Antifreeze is necessary to prevent the engine from overheating or freezing during the winter months.

Before the temperature drops even further, it might be a good idea to top up your anti-freeze and perform a check on your car. In all likelihood, this will be much cheaper than repairing serious engine damage further down the line.

6. Set your financial goals for 2013

Whether you want to clear existing credit card debt, get on the property ladder or start saving, it’s a good idea to set your financial priorities as early as possible.

Once you’ve got a clear idea of your goals for next year, you can relax and enjoy the festive season.

**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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ISLANDS OF ADVENTURE

Snorkel, sail or swim in crystal clear waters around some of the world’s most idyllic islands with Saga, the over-50s holiday firm with fun at its heart

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Refinance in Amherst, Massachusetts

Struggling to pay your mortgage and contemplating a refinance in Amherst, MA? Refinancing can be tricky, so utilize calculators, tools and guides to guide you in all aspects of refinancing. Trying to gauge how long will it take to break even on a mortgage refinance? We provide a mortgage break-even refinance calculator to guide your process.

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Sunday 11 August 2013

Rising prices improve confidence

Buyers are still shopping for homes and homeowners are sprucing up.

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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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Auto loan rates in Fort Wayne, Indiana

It's a good time to be in the market for a new vehicle. Auto loan rates in Fort Wayne, IN, are low. In fact, rates are low throughout the nation. The average 48-month new-car loan is currently at 4.01 percent. And there are three lenders in this survey offering better-than-average rates. One lender in this

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Saturday 10 August 2013

Vehicle Insurance Facts To Remember Always

Nature of motor insurance

Some motorists cringe at the mention of 'car insurance premium'. This fear is not based on the renewal time looming- but instead, how they'll pay up another monthly instalment . Over the last couple of years, motor insurance premiums has seen a sharp rise in the motoring industry. It's now become the 'norms' for drivers to search for cheap and affordable policies- in order not to experience the consequence of not having one. And no matter how expensive a policy may be, it's still a necessity- read on to find out why having a policy is vital.

Is car insurance policy a necessity?

In most countries, vehicle insurance is considered vital for every motorist. In the UK for instance, the law enforcement agencies are always on the prowl to enforce drivers have valid insurance policies for the cars they use. Two of the major benefits of having a valid cover includes:

Coverage against claims from motorists or passengers looking to exercise legal obligation against a policy holder that is the major cause of an accident in which losses and or damages occurred as a result.

It's always advisable to always be on the right side of the law- driving without a valid insurance would lead to your vehicle being impounded or you may even risk a driving ban for not adhering.

Disadvantages of having no insurance cover when driving

Driving without a valid insurance policy constitute a driving offence. These are the consequences for driving without a valid motor insurance policy:

  1. Not having a valid insurance cover on your vehicle can generate points on your licence- and if you accumulate up to 12 points, you then get disqualified from driving- which can be a severe blow when you depend on your driving job to make a living.
  2. Bans are often given to drivers without a valid insurance coverage on their vehicle, however, large fines do accompany these fines depending on the degree of the offence .
  3. Depending on the severity of a driving offence- whether being involved in an accident whilst not being insured or just being caught driving without a valid insurance, the amount of fine imposed will hugely differ in direct proportion to the severity of the offence.
  4. There have been known cases of prolific offenders doing time for the amount of damage they've caused as a result of not having a policy.

Important aspect to consider in a car insurance policy

It can be rather confusing for new and young drivers trying to buy an insurance policy for the first time. The manner in which policies are written and structured can be extremely difficult for new drivers looking to purchase a car insurance policy- more experienced drivers within the family might need to explain it to them in simpler terms. However, there are vital factors to look out for in a policy before you decide to buy. These are primary factors to consider:

  1. The 3 levels of cover you can select from includes: comprehensive, third party fire and theft and third party only.
  2. Consider the Level of excess you're comfortable with- Should incase you're involved in an accident, you'll be required to pay the excess you chose at the beginning of your policy.
  3. If your premiums are unaffordable then it's time to keep on comparing quotes until you find a cheaper and much more affordable quote.
  4. Make it a point of duty to look at the special conditions that apply to your policy to avoid getting breaching the terms of your policy which can inevitably void your policy.

Five ways to obtain low-cost quotes from insurers

Cheapest car insurance company doesn't exist when your looking for cheap car insurance premiums. There are simply too many variables affecting the price of a car insurance policy: who you are, what you do for a living, where you live, the type of car you drive and your driving history, all contribute to what insurers use to determine the amount of premium you pay for your policy. Your sole objective will now be to spot the cheapest car insurance deal possible by:

  1. Getting a car that's categorised to fall within the low insurance group. Some examples of cars within the low insurance group bracket includes: Vauxhall Corsa, Fiat Punto and Nissan Micra because of their small engine sizes. High insurance premiums are allocated to bigger engine cars while smaller engine vehicles attract lower premiums.
  2. Increasing your excess levels would decrease your premium but exercise due caution when setting your level of excess because, the amount you state on your quote form is required of you in the event of an accident. Resist the temptation of inflating it, stick with an amount you're comfortable with.
  3. Putting your motor vehicle in a secure garage at night eliminates risk of it being stolen or damaged. Keeping the risk of damage, theft and burglary to a minimum is what insurance companies prefer, so they reward drivers with lower premiums.
  4. Install security devices that minimizes the chances of the vehicle getting stolen.
  5. Shop around, compare quotes, use car insurance comparison sites like <a href="http://www.cheapcarinsurancex.org/" rel="dofollow">cheapcarinsurancex.org/</a> to compare over 110 insurance companies from selected low cost insurers.

Where to get low-cost vehicle insurance quotes

Discovering affordable premiums can some times become mission impossible. The most viable way of unlocking cheap quotes is to lower your risk factor to the bare minimum then begin to compare quotes from as many insurers as possible.

Vehicle insurance organizations do offer varied type of insurance products thereby offering different quote forms like- student motor insurance from cheapcarinsurancex, http://www.cheapcarinsurancex.org/cheap-car-insurance/short-term/pay-as-you-go, green car insurance-http://www.cheapcarinsurancex.org/cheap-car-insurance/green and so on.

Rounding up

It cost more to drive your car without adequate insurance protection than when you have a valid cover : The essence of being insured is to cover against any liability or litigation that may arise as a result of a loss or liability resulting from accident caused by the insured. Examples of risk motorists face for not having appropriate insurance cover on their vehicle includes- the risk of their cars been seized or destroyed by local authorities, fines, claims from other third parties and so on.

But driving with a valid insurance cover only gives you peace of mind because your insurer deals with any other issues that may arise as a result of you getting covered. So, be insured before you drive any vehicle on the road.

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