In NC when you add your teenager to your auto insurance policy, almost everyone knows their rates are going to go up. But few people understand how the system works and what you can do about it to minimize these additional charges on your policy. This video explains how it works and what your options are. For safety tools to help teach your child to be a better driver, visit our teen driver safety web site at www.teendriverinsurance.co For help with your teen driver insurance policy visit us online at www.ClinardInsurance.com or call us toll free at 877-687-7557.
Tuesday, August 24, 2010
Great Price for $8.34
I Want to Be Rich! a Teenager's Modem to Money: Financial Planning for Teenagers Review
In "I Want To Be Rich!...A Teenager's Modem to Money" Ms. Humbolt gives the basics for financial planning that all teenagers should follow if they are going to take charge of their financial futures, rather than having their financial futures take charge of them. It is all here, budgets, taxes, inflation, wages, jobs, a college education, investing, etc. This is a book that teens should buy as an investment in their futures. The book is well suited for giving to a teen by parents, grandparents, aunts, uncles, etc. The best time start a teen on the road to financial planning is now, not 20-30 years from now.
I Want to Be Rich! a Teenager's Modem to Money: Financial Planning for Teenagers Overview
I Want To Be Rich! discusses goal setting and budgets; the importance of saving; investments like bonds, sotcks, and mutual funds; the value of a higher education and how to finance it; how to obtain credit; job hunting skills; and owning a business.
In "I Want To Be Rich!...A Teenager's Modem to Money" Ms. Humbolt gives the basics for financial planning that all teenagers should follow if they are going to take charge of their financial futures, rather than having their financial futures take charge of them. It is all here, budgets, taxes, inflation, wages, jobs, a college education, investing, etc. This is a book that teens should buy as an investment in their futures. The book is well suited for giving to a teen by parents, grandparents, aunts, uncles, etc. The best time start a teen on the road to financial planning is now, not 20-30 years from now.
I Want to Be Rich! a Teenager's Modem to Money: Financial Planning for Teenagers Overview
I Want To Be Rich! discusses goal setting and budgets; the importance of saving; investments like bonds, sotcks, and mutual funds; the value of a higher education and how to finance it; how to obtain credit; job hunting skills; and owning a business.
Leasing Used Cars
Leasing a used vehicle can be an attractive deal in many ways, no least getting you into that luxury model or SUV, for lower monthly payments than a brand new one. Be prepared, however, to do some more homework to dissect a good deal.
As with new car-leasing, your price research should focus on the key figures that are the initial market value and the estimated residual value of the used car. This is harder to predict since there is no factory-set sticker price on used cars, and the residual percentage is very much pegged to a subjective current retail value.
Use different sources to get a rough idea of the value of the used car: your local dealerships, internet car-evaluating tools, such as Edmunds.com and Cars.com, to name but a few. Another way to pin down a good estimate is to compare the lease on your given car to a lease on a new-car with the same make and model.
This should give you a better picture of the difference between leasing new and going for used. Just like leasing a new car, used vehicle leasing is more attractive when residual values depreciate the least. You stand a better chance of finding a bargain in the high-end, luxury vehicles that keep their values better as used cars.
Next, you need to check the initial mileage and the overall vehicle condition. The maximum mileage on a used car should be no more than 12,000 miles a year. A 3-year old car with 50,000 miles on the clock is very unlikely to make a good used-vehicle lease. Check for signs of excessive use, like worn seat fabric, worn pedal pads and dirty engine, which might indicate that the odometer has been rolled back.
If the car is not certified, you need to get it thoroughly inspected. Ask your dealer for a manufacturer-sponsored certification program or have your car certified by a qualified mechanic or inspection service.
Most used-car deals don’t come with gap coverage. This is a special type of coverage, normally offered on a new auto-lease, to cover the consumer if the leased vehicle is lost, stolen or damaged. Typically, auto-insurance policies cover only what your car is worth at the time of loss, not what you still owe on the lease.
The difference could run into thousands of dollars. For peace of mind, do not enter into any used-car lease without gap-coverage. Arrange it separately with either the lease dealer or your auto-insurance company.
As with new car-leasing, your price research should focus on the key figures that are the initial market value and the estimated residual value of the used car. This is harder to predict since there is no factory-set sticker price on used cars, and the residual percentage is very much pegged to a subjective current retail value.
Use different sources to get a rough idea of the value of the used car: your local dealerships, internet car-evaluating tools, such as Edmunds.com and Cars.com, to name but a few. Another way to pin down a good estimate is to compare the lease on your given car to a lease on a new-car with the same make and model.
This should give you a better picture of the difference between leasing new and going for used. Just like leasing a new car, used vehicle leasing is more attractive when residual values depreciate the least. You stand a better chance of finding a bargain in the high-end, luxury vehicles that keep their values better as used cars.
Next, you need to check the initial mileage and the overall vehicle condition. The maximum mileage on a used car should be no more than 12,000 miles a year. A 3-year old car with 50,000 miles on the clock is very unlikely to make a good used-vehicle lease. Check for signs of excessive use, like worn seat fabric, worn pedal pads and dirty engine, which might indicate that the odometer has been rolled back.
If the car is not certified, you need to get it thoroughly inspected. Ask your dealer for a manufacturer-sponsored certification program or have your car certified by a qualified mechanic or inspection service.
Most used-car deals don’t come with gap coverage. This is a special type of coverage, normally offered on a new auto-lease, to cover the consumer if the leased vehicle is lost, stolen or damaged. Typically, auto-insurance policies cover only what your car is worth at the time of loss, not what you still owe on the lease.
The difference could run into thousands of dollars. For peace of mind, do not enter into any used-car lease without gap-coverage. Arrange it separately with either the lease dealer or your auto-insurance company.
motor BIMOTA DB7 Oronero 2010 pictures
Journalists from around the world gathered at the demanding Misano Adriatico World Circuit in Italy to put the new DB7 to the ultimate test for a sport bike – professional pilots at full race speeds on a world-class racetrack. Misano challenged both pilot and the DB7 with blurring top speed, arm straining braking and kneedragging lean-angles hour after hour. The day began with journalists falling in love with the unique design and style of the DB7, described as “sex on wheels”. The day ended with applause for a motorcycle as capable on the track as its aggressive sporting look implies. Praise for the track manners, stability and ease of riding fast were poured upon the DB7 Superbike. Hand-built and available in limited numbers, the DB7 is the most sought after Bimota motorcycle ever.
The DB7 looks like no other Superbike, never to be mistaken for another brand. With the team colours of red, white and black applied to the carbon fiber body shaped by the pen and hands of designer Enrico Borghesan, the Bimota family dna is clear to see. Powered by the incredible Ducati 1098 Testastretta Evoluzione engine, the DB7 enhances the performance of the motor with Bimota chassis concepts and exceptional lightweight. The new Bimota Superbike introduces a long list of innovations including a beautiful oval tube hybrid-trellis frame, distinct Bimota styling, a structural carbon fiber rear sub-frame and unrivalled component details. Bimota performance and innovation has never been more beautiful.
This Superbike dares true motorcyclists to get close and indulge in its details. The beauty and drama of the DB7 at a distance is surpassed only by its detail. Each and every assembly, fastener and chassis component is elegantly fashioned and manufactured with care using advanced materials. From billet machined subframes, footrests and control levers to the structural carbon fiber tail section and titanium silencer, no compromise was ever considered nor made. The details are simply spectacular.
The handcrafted DB7 remains at the pinnacle of the sportbike world, but the Bimota engineers, led by Andrea Acquaviva, wanted to go even further. During this year’s International Motorcycle Exposition (EICMA) in Milan Italy, Bimota unveiled an even more extreme and technologically advanced DB7 -- the Oronero.
Bimota has exploited weight saving structural carbon fiber for tail sections in both in its DB7 and signature hub center steering Tesi 3D with tremendous success. Now in the next natural step, Bimota DB7 Ononero boasts a carbon fiber frame and swingarm.
Appearing for the first time in a production motorcycle, Bimota has now developed a structural carbon fiber frame material in cooperation with the engineering and manufacturing of BRBike. This is advanced technology formerly exploited in Formula 1 race cars and military aircraft, substitutes the traditional steel and aluminium structures with this incredible ultra light material.
The Ononero’s frame and swingarm share the same external dimensions of the standard DB7, but are
devoid of traditional welds and mitred junctions. The result is an up-to-now unthought-of featherweight chassis.
The 6 Kg reduction in weight with this advanced frame and swingarm results in a completed bike with an astounding overall dry weight of 164Kg, and with 164 hp, the Oronero has an almost the magical ‘power to weight’ ratio.
Additional weight saving innovations include a titanium rear shock spring and lightened ‘wave’ front brake discs.
Further innovations for the Oronero includes new race derived all digital GET instrumentation, which is
virtually a stand alone, dedicated computer. The advanced meter monitors the Oronero’s engine systems but also the bike’s dynamic performance including lap times, service due warning, time and a long list of customizable features. Further the instrument features built-in onboard GPS, that recognizes which track you are circulating, automatically records lap times via GPS, and later allows you to visualize and analyse track sessions on your PC. The Get instrumentation has many expandable functions, including active suspension monitoring and more.
Even with the praise poured upon the DB7 for its ultimate attention to details, beauty and track confidence, the Oronero version achieves an even higher standard. A new standard of light-weight, rigidly stable chassis dynamics and astounding track performance.
The Oronero version of the DB7 will be crafted in a limited series and is available for reservation now.
Specifications
ENGINE
Engine Configuration: Twin cylinder 90°
Displacement: 1099 cc
Engine Cooling: liquid cooling
Compression Ratio: 12.5±0.5:1
Valves per cylinder: 4
Bore x Stroke: 104.0 mm x 64.7 mm
Engine Redline: 10.700 rpm
Valvetrain Type: Desmodromic valve actuation
Intake Valve Diameter: Ø 42 mm
Exhaust Valve Diameter: Ø 34 mm
Fuel Pump: 3.5 bar, electronic
Throttle Body Size: 60 mm
Exhaust System: 2 in 1 in 1, inox
Emission: EURO 3
Injection: Walbro
Injectors: Magneti Marelli
Lubrication System: Wet Sump
Transmission Type: Dry clutch multi-disc with hydraulic actuation system
Primary Drive ratio: 32/59
Final Drive ratio: 15/38
Transmission ratio: VI = 15/37
V = 17/30
IV = 20/28
III: 22/26
II: 23/24
I: 24/23
CHASSIS
Wheelbase: 1435 mm
Steering angle: 25°
Swingarm length: 525±20 mm
Seat height: 800 mm
Footpeg height: 400mm
Handlebar height: 860
Overall length: 2100 mm
Overall width: 700 mm
Overall height: 1115 mm
Ground clearance: 135 mm
Front suspension: Marzocchi UD fork DLC fully adjustable diameter: 43 mm stroke: 120 mm
Rear suspension: Extreme Tech Monoshock fully adjustable low/high speed wheel stroke: 120 mm
TITANIUM spring
Front brake: Double Ø320 mm Braking WAVE floating disc, 4-pistons,4-pads with radial Brembo callipers,
radial pumps
Rear brake: Ø230 mm Bimota floating disc, 2-pistons, 2-pads with Brembo calliper
Wheels: FRONT. 3.5x17.0 Forged Al Alloy Bimota Experience
REAR. 6.5x17.0 Forged Al Alloy Bimota Experience
Tires: FRONT. 120/70 ZR 17, Continental Race Attack
REAR. 190/55 ZR 17, Continental Race Attack
Fuel tank: 16 l (4 l reserve)
Total weight dry: 164 kg
Color: carbon fiber
The DB7 looks like no other Superbike, never to be mistaken for another brand. With the team colours of red, white and black applied to the carbon fiber body shaped by the pen and hands of designer Enrico Borghesan, the Bimota family dna is clear to see. Powered by the incredible Ducati 1098 Testastretta Evoluzione engine, the DB7 enhances the performance of the motor with Bimota chassis concepts and exceptional lightweight. The new Bimota Superbike introduces a long list of innovations including a beautiful oval tube hybrid-trellis frame, distinct Bimota styling, a structural carbon fiber rear sub-frame and unrivalled component details. Bimota performance and innovation has never been more beautiful.
This Superbike dares true motorcyclists to get close and indulge in its details. The beauty and drama of the DB7 at a distance is surpassed only by its detail. Each and every assembly, fastener and chassis component is elegantly fashioned and manufactured with care using advanced materials. From billet machined subframes, footrests and control levers to the structural carbon fiber tail section and titanium silencer, no compromise was ever considered nor made. The details are simply spectacular.
The handcrafted DB7 remains at the pinnacle of the sportbike world, but the Bimota engineers, led by Andrea Acquaviva, wanted to go even further. During this year’s International Motorcycle Exposition (EICMA) in Milan Italy, Bimota unveiled an even more extreme and technologically advanced DB7 -- the Oronero.
Bimota has exploited weight saving structural carbon fiber for tail sections in both in its DB7 and signature hub center steering Tesi 3D with tremendous success. Now in the next natural step, Bimota DB7 Ononero boasts a carbon fiber frame and swingarm.
Appearing for the first time in a production motorcycle, Bimota has now developed a structural carbon fiber frame material in cooperation with the engineering and manufacturing of BRBike. This is advanced technology formerly exploited in Formula 1 race cars and military aircraft, substitutes the traditional steel and aluminium structures with this incredible ultra light material.
The Ononero’s frame and swingarm share the same external dimensions of the standard DB7, but are
devoid of traditional welds and mitred junctions. The result is an up-to-now unthought-of featherweight chassis.
The 6 Kg reduction in weight with this advanced frame and swingarm results in a completed bike with an astounding overall dry weight of 164Kg, and with 164 hp, the Oronero has an almost the magical ‘power to weight’ ratio.
Additional weight saving innovations include a titanium rear shock spring and lightened ‘wave’ front brake discs.
Further innovations for the Oronero includes new race derived all digital GET instrumentation, which is
virtually a stand alone, dedicated computer. The advanced meter monitors the Oronero’s engine systems but also the bike’s dynamic performance including lap times, service due warning, time and a long list of customizable features. Further the instrument features built-in onboard GPS, that recognizes which track you are circulating, automatically records lap times via GPS, and later allows you to visualize and analyse track sessions on your PC. The Get instrumentation has many expandable functions, including active suspension monitoring and more.
Even with the praise poured upon the DB7 for its ultimate attention to details, beauty and track confidence, the Oronero version achieves an even higher standard. A new standard of light-weight, rigidly stable chassis dynamics and astounding track performance.
The Oronero version of the DB7 will be crafted in a limited series and is available for reservation now.
Specifications
ENGINE
Engine Configuration: Twin cylinder 90°
Displacement: 1099 cc
Engine Cooling: liquid cooling
Compression Ratio: 12.5±0.5:1
Valves per cylinder: 4
Bore x Stroke: 104.0 mm x 64.7 mm
Engine Redline: 10.700 rpm
Valvetrain Type: Desmodromic valve actuation
Intake Valve Diameter: Ø 42 mm
Exhaust Valve Diameter: Ø 34 mm
Fuel Pump: 3.5 bar, electronic
Throttle Body Size: 60 mm
Exhaust System: 2 in 1 in 1, inox
Emission: EURO 3
Injection: Walbro
Injectors: Magneti Marelli
Lubrication System: Wet Sump
Transmission Type: Dry clutch multi-disc with hydraulic actuation system
Primary Drive ratio: 32/59
Final Drive ratio: 15/38
Transmission ratio: VI = 15/37
V = 17/30
IV = 20/28
III: 22/26
II: 23/24
I: 24/23
CHASSIS
Wheelbase: 1435 mm
Steering angle: 25°
Swingarm length: 525±20 mm
Seat height: 800 mm
Footpeg height: 400mm
Handlebar height: 860
Overall length: 2100 mm
Overall width: 700 mm
Overall height: 1115 mm
Ground clearance: 135 mm
Front suspension: Marzocchi UD fork DLC fully adjustable diameter: 43 mm stroke: 120 mm
Rear suspension: Extreme Tech Monoshock fully adjustable low/high speed wheel stroke: 120 mm
TITANIUM spring
Front brake: Double Ø320 mm Braking WAVE floating disc, 4-pistons,4-pads with radial Brembo callipers,
radial pumps
Rear brake: Ø230 mm Bimota floating disc, 2-pistons, 2-pads with Brembo calliper
Wheels: FRONT. 3.5x17.0 Forged Al Alloy Bimota Experience
REAR. 6.5x17.0 Forged Al Alloy Bimota Experience
Tires: FRONT. 120/70 ZR 17, Continental Race Attack
REAR. 190/55 ZR 17, Continental Race Attack
Fuel tank: 16 l (4 l reserve)
Total weight dry: 164 kg
Color: carbon fiber
How to Get Young Person's Car Insurance
car insurance can cause a substantial strain on the budget of young drivers who generally have limited disposable income compared to older drivers. Young persons car insurance should be cheap and yet comprehensive enough to take care of contingencies. Here are some tips to help young people find a good deal on auto coverage.
- If you are a student then look for discounts such as good grades discount or student discount. Take up a defensive driving course. The course will brighten up your chances of getting a good rate for automobile insurance.
- Stick with cheap car models. A car which is cheaper and easier to maintain and repair will fetch you cheap auto coverage than a brand new car.
- Do away with extras in the policy such as the road side assistance or car rental in case on contingencies. In most cases you do not need it frequently. Young persons can cut down on their automobile insurance significantly by opting only for the liability than for a comprehensive coverage, if they drive a cheap car.
- If you are a parent looking for young persons car insurance for your teenager, consider a adding him or her as an added driver on your existing auto insurance policy. Some of the best companies also offer multiple driver discounts.
- To further reduce the young driver rates, one can schedule the payments every six months because the deductibles are higher for payments that are scheduled closer.
Make Sure that Your Car Insurance Company Gets Honored
Make Sure that Your Car Insurance Company Gets Honored
However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the insurance company to keep your insurance policy going.
To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.
More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.
When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.
The Sad State of Advertising
So I realized something as I was waking up from being passed out on the couch--advertising for the majority of products out there just sucks. I mean, you've got two extremes for ads. You've got the ones that got made on a budget of five dollars and just suck for lack of effort, and the ones that try to be so clever they end up circling around the whole spectrum to awesome, coming back around and sucking anyway because you have no idea what it was for.
Like this one ad that I just saw on TV. I don't remember the product or service or even the genre of it, and I watched it ten minutes ago. The one thing I can remember is that there was this repeating shot of a lady walking up a staircase saying something after the voiceover, and by the end of the commercial she'd walked up the same steps five times, saying something different each time.
Or you get the ads that spend so much time being clever that they completely forget to mention the product save for a logo at the end. Car commercials seem to do this every time a blockbuster movie comes out. I swear, they forget what the kerr they're trying to sell. You get this long, extended Iron Man 2 trailer, and then at the end they go, "Oh yeah, buy an Audi."
But coming back around to five-dollar sucktastic, ever seen an ad for Outrageous Audio? It's a car audio shop up here in Portland, so if you live anywhere else, you haven't. But their ads consist of a logo, and then 30 seconds to a minute of this really annoying guy yelling at the camera that he's got 'Sony iPod Decks for only 59 bucks! Until they're gone!!' and acting surprised that they're offering a deal that amazing. Acting poorly, I should say, because his 'surprised' face reads like a guy who just received an unexpected colonoscopy.
Like this one ad that I just saw on TV. I don't remember the product or service or even the genre of it, and I watched it ten minutes ago. The one thing I can remember is that there was this repeating shot of a lady walking up a staircase saying something after the voiceover, and by the end of the commercial she'd walked up the same steps five times, saying something different each time.
Or you get the ads that spend so much time being clever that they completely forget to mention the product save for a logo at the end. Car commercials seem to do this every time a blockbuster movie comes out. I swear, they forget what the kerr they're trying to sell. You get this long, extended Iron Man 2 trailer, and then at the end they go, "Oh yeah, buy an Audi."
But coming back around to five-dollar sucktastic, ever seen an ad for Outrageous Audio? It's a car audio shop up here in Portland, so if you live anywhere else, you haven't. But their ads consist of a logo, and then 30 seconds to a minute of this really annoying guy yelling at the camera that he's got 'Sony iPod Decks for only 59 bucks! Until they're gone!!' and acting surprised that they're offering a deal that amazing. Acting poorly, I should say, because his 'surprised' face reads like a guy who just received an unexpected colonoscopy.
Insurance For a Car
I'm wanting to buy a car soon and one of the things I'm going to need to get is an insurance quote. I'm going to want the best value I can get just in case, you know. Truth is I've never owned my own car, so I don't really know what it takes to keep them maintained, all I know is I need to be insured, I'm just not that confident a driver, though I don't think it's compulsory down here, it's good to have it.
car insurance quotes.....................
Three of our vehicle is covered by State Farm Insurance. I didn't pay our insurance this month yet, I will wait until next week for my husband's paycheck. So far we don't have any problem with it and we are happy for our car insurance. Our trusted agent is always there to help us, my husband is the one who contact our agent every time we have problem in our car or if we have any questions regarding to this matter. If you don't have car insurance yet, you better check statefarm.com, you can save $489 on your car insurance if you apply today. You can also get a car insurance quotes directly to their website and in just a few minutes, you will have car insurance you need!
Basic Tips About Car Insunace Policies
Introduction
If you are planning to buy a Car, it is worth paying attention on carious clauses on insuring your own vehicle. There are various factors like Insured’s Declared Value (IDV) and No Claim Bonus (NCB) will add or reduce the cost of your insurance. It is advisable to know the facts before you buy an insurance. This website will give you basic idea on what are the various factors you have to consider while buying the Car insurance.
If you are planning to buy a Car, it is worth paying attention on carious clauses on insuring your own vehicle. There are various factors like Insured’s Declared Value (IDV) and No Claim Bonus (NCB) will add or reduce the cost of your insurance. It is advisable to know the facts before you buy an insurance. This website will give you basic idea on what are the various factors you have to consider while buying the Car insurance.
Insurance Talk
So, I have 4 different insurance companies insuring 2 cars, and house, and a rental unit. It is a pain. The problem has always been that I can't get one company to insure everything, When I bought the 03 VW GTI it was on a weekend, so I signed up with Geico on line. It was easy, but Geico is a pain to deal with. I pay the insurance every 6 months and I get the bill in the mail usually about 5 days before it is due. Five Days! I mean, how incompetent can a company be that they can't get out a biannual bill sooner that a week before it is due.
This is not an isolated instance with them. This time it was issued on the 19th, I got it on the 24th, and it is due on the first of September. Every time this has happened I say I'm going to drop them and this time I did. Allstate insures my home and they have all of the ads now saying how I can save money if I switch from Geico. Plus I get a discount on my homeowner's insurance if I also insure my car.
I called my agent and faxed her over the paper work from Geico. She called me back a few minutes later and said that even if I went with the bare legal limits on my car insurance, they still wouldn't come close to Geico. WTF! I didn't bother to ask her about the ads on TV. Even with the discount I would get on homeowner's insurance because I added my car, it still wasn't worth it. They were easily 40% higher than Geico.
I then called AAA (CSAA around here). They insure the 71 Ford pickup. I told them I wanted to insure 2 cars, home and rental property, but I wanted to make sure they insured post and pier foundation. For a while they said they definitely did not, but that story has been changing in the last few years, depending on who you talk to at CSAA. The guy I was talking to only handled car insurance, but told me the policy had changed about 2 years ago. Their auto insurance rates were very good. I increased my coverage on the 03 GTI and lowered my premium by about $175 a year compared to Geico. For my truck CSAA sends a bill every month and I can pay all of it or make 12 monthly payments.
He then transferred me over to homeowner's insurance. I got a young woman with a charming southern accent. Even though it is CSAA (California State Automobile Association) she was in Arizona. The conversation went like this.
Judy: Hello, this is Judy, how can I help you today?
Me: I want to see about insuring my home and a rental property. I currently have 2 cars with CSAA.
Judy: Ok, let's start with the home. Is your primary residence?
Me: Yes, but before we go any further, do you insure homes on a post and pier foundation.
Judy: Oh no, I'm sorry we don't.
Me: Are you sure? The people at my local office and the guy in auto insurance told me the policy has changed.
Judy: Well, let me find out. Hold on.
Me: {listening to hold music}
Judy: How far off the ground is your house?
Me: Umm, 2 feet, maybe
Judy: Oh, only 2 feet. Then that is no problem. I thought you meant it was like built in to the side of a mountain or something. You know, like on stilts.
Me: Nope, just 2 feet off the ground.
Judy: Ok, well let me get some information and then I can get you a quote.
Judy: How many square feet.
Me: About 3000, maybe a little more.
Judy: How old is the roof, plumbing, and electrical.
Me: Everything has been replaced in the last 10 years. It is all new, and brought up to modern code.
Judy: Great. And what year was it built.
Me: 1895
Judy: Oh, it must be beautiful. I love those old home.
Me: Well,I like it
Judy: Oh, hold on a minute. I need to check the manual.
Me: {Listening to hold music}
Judy: Well, because it was built before 1900 you would need to gut the home to the studs and put it on a cement foundation before we could insure it. Is that something you are willing to do.
Me: No, I really don't think so, but thank you anyway.
This is not an isolated instance with them. This time it was issued on the 19th, I got it on the 24th, and it is due on the first of September. Every time this has happened I say I'm going to drop them and this time I did. Allstate insures my home and they have all of the ads now saying how I can save money if I switch from Geico. Plus I get a discount on my homeowner's insurance if I also insure my car.
I called my agent and faxed her over the paper work from Geico. She called me back a few minutes later and said that even if I went with the bare legal limits on my car insurance, they still wouldn't come close to Geico. WTF! I didn't bother to ask her about the ads on TV. Even with the discount I would get on homeowner's insurance because I added my car, it still wasn't worth it. They were easily 40% higher than Geico.
I then called AAA (CSAA around here). They insure the 71 Ford pickup. I told them I wanted to insure 2 cars, home and rental property, but I wanted to make sure they insured post and pier foundation. For a while they said they definitely did not, but that story has been changing in the last few years, depending on who you talk to at CSAA. The guy I was talking to only handled car insurance, but told me the policy had changed about 2 years ago. Their auto insurance rates were very good. I increased my coverage on the 03 GTI and lowered my premium by about $175 a year compared to Geico. For my truck CSAA sends a bill every month and I can pay all of it or make 12 monthly payments.
He then transferred me over to homeowner's insurance. I got a young woman with a charming southern accent. Even though it is CSAA (California State Automobile Association) she was in Arizona. The conversation went like this.
Judy: Hello, this is Judy, how can I help you today?
Me: I want to see about insuring my home and a rental property. I currently have 2 cars with CSAA.
Judy: Ok, let's start with the home. Is your primary residence?
Me: Yes, but before we go any further, do you insure homes on a post and pier foundation.
Judy: Oh no, I'm sorry we don't.
Me: Are you sure? The people at my local office and the guy in auto insurance told me the policy has changed.
Judy: Well, let me find out. Hold on.
Me: {listening to hold music}
Judy: How far off the ground is your house?
Me: Umm, 2 feet, maybe
Judy: Oh, only 2 feet. Then that is no problem. I thought you meant it was like built in to the side of a mountain or something. You know, like on stilts.
Me: Nope, just 2 feet off the ground.
Judy: Ok, well let me get some information and then I can get you a quote.
Judy: How many square feet.
Me: About 3000, maybe a little more.
Judy: How old is the roof, plumbing, and electrical.
Me: Everything has been replaced in the last 10 years. It is all new, and brought up to modern code.
Judy: Great. And what year was it built.
Me: 1895
Judy: Oh, it must be beautiful. I love those old home.
Me: Well,I like it
Judy: Oh, hold on a minute. I need to check the manual.
Me: {Listening to hold music}
Judy: Well, because it was built before 1900 you would need to gut the home to the studs and put it on a cement foundation before we could insure it. Is that something you are willing to do.
Me: No, I really don't think so, but thank you anyway.
Insurance Auto Repair
Most people know about insurance for their car or auto insurance, auto insurance, but the repair is not known to people. Motor Insurance Repair provides assurance to our cars by the police is to Auto Insurance usual. You can think of automobile repair as an extended warranty on your car. Usually, car manufacturers give a maximum of 3 to 4 year warranty and that toowithin 40,000 miles. More importantly, the problems start to creep into your car just after 3 years and 40,000 miles.
Unfortunately, at this time the warranty on your car has been exceeded and auto insurance policies do not cover maintenance costs and wear and tear. Your insurance covers damage done during an accident, theft or similar situations. This is where insurance car repair can come to your rescue. It willcare of your car maintenance, normal wear and the cost of car repairs in case it crashes on you. As you can see, it can be a real advantage to have this kind of politics.
There are some types of insurance, car repair available. The basic policy covers only the normal maintenance of your vehicle, including the costs of wear. Although the bumper to bumper policy will include any cost that you incur for your carrepaired.
While taking out insurance for car repair, you must take care of a number of things. First, you must decide what type of coverage you want on this policy. Needless to say, more coverage will amount more upscale. Then, it is deductible. You may want to keep the franchise a little high to reduce the amount of premiums. Also check if the policy is transferable or not. It's a good idea to get a policy that you transferred to get a good price if you wantsell your car.
Cheap Car Insurance Quotes - How Great Offers easy and fast
You can not go after auto insurance is your best bet is so, the acquisition benign best deal around. This is now easier than ever before. In fact, all you do is get free insurance quotes cheap auto clip of the aces and one of them. This sounds quite simple and fast, but that is not thoroughly disgusting the case.
given the opportunity, not as quotes like how you tied. More importantly, the ability of you, either end with tenderscompletely abortive to you. You can change capacity in all detours and get completely lost. Finally, you can end up advantageous huge premiums for poor coverage. You can include all those accidents. The key is how to acquire the best quotes apperceive benign cheap car insurance in the fastest way.
The aboriginal affair is changed to a large cardinal of the special features offered by companies that coat of arms for the Arcade service.You do not have to hunt for free anniversary aggregation separately. It is best if you go to the stay, a car insurance policy is that the website lists of account width limited suppliers are present that in your. Then you can go deals on the modified sites, analysis and plenty of delay for the cheap.
Normally, you get back the account of the account provider you that anniversary will see articulation accompanied by a short presentation. PayAbsorption to these rates. The advice in their appearance you how to save the average range. In addition, you will see how reliable the aggregation quotes cheap car insurance is charity. The celebrated account providers usually accept, reliable services hip abutment. best action for the selection of the best quote accoutrement, but those are absolutely perfectly acceptable action that you claimed to date a co-partner of Personnel.
Once you have received on the website of the account provider, you can accept a quick visit and see the insurers are alive with them. If many of the acclaimed show up company, this is quite an acceptable guarantee the credibility and the respect of the offers you will get any. Plus, how the big insurance companies apperceive usually the larger action discounts to their customers.
In adjusting to car insurances">cheap car> Insurance quotes you can bound to accept matching recognition of all the questions about your active history and alleged facts quickly. You can not possibly answer all apperceive with copious accuracy so it is best to use quotes in the active Almanac Back You are the jack in the anatomy of the provider. You can understand the acquisition questions to your agent as well. It is the capital you able to recognize them and frankly asAccurately as possible.
You should not stop until you accept the hunt to start an ample cardinal of cheap car insurance quotes. It is important not for the aboriginal action you get any amount, it seems, are benign. The aphorism is that it is always a major acquisition as a visitor you as you continue to consistently.
Looking For Cheap Auto Insurance Quotes - What You Can Expect on the Market
It seems that now it is easier than anytime to acquirement a car insurance policy. You do not charge to boutique about for Ages and pay aerial fees to a broker. All you accept to do is go online and get a agglomeration of cheap auto insurance quotes. You apperceive able-bodied that the ante you will be presented with are primarily based on your alone affairs such as your active history and insurance record.
At the aforementioned time the prices are bent by the car insurance market. It is absolutely account exploring the trends. These will accommodate account why the ante are at a assertive level. added importantly, acquirements added about the bazaar will acquiesce you to accomplish the best benign deal. Also, you will be Able to do all the all-important amendments in your action back the appropriate time comes.
The bazaar for auto insurance is a almost abiding one. Its allotment in the industry is actual large. It comes alone afterwards the one of the bloom insurance segment. This can be explained by the actuality that the auto advantage is binding for all car drivers and owners in the majority of states. This abiding bazaar attendance trend shows that there can hardly be any fluctuations on the bazaar in agreement of accumulation and demand. In about-face you cannot apprehend any ample accouterment in the prices of the assorted policies. Thus, accustomed that there are no above fluctuations in the market, the ante of the cheap auto insurance quotes will abide almost abiding for a continued time.
On the added hand, there are abounding insurance companies that accept suffered from the bread-and-butter downturn. They were not as abominably hit as some above cyberbanking and added types of advance companies. However, their positions accept been weekend. At the aforementioned time, the abundance of the citizenry has shrunk. This agency that added and added bodies cannot allow to acquire aerial insurance costs. These trends accommodate for the abridgement in ante present in the cheap auto insurance quotes. So, if you chase adamantine abundant you will absolutely acquisition absolutely abundant bargains. At the aforementioned time you should not absence to analysis the insurance aggregation and analysis its rating. afterwards all, you charge to sing a arrangement with a financially abiding and reliable company.
In any case you cannot apprehend the prices to be acutely low. This is because there are added and added big players on the market. It is accurate that they are angry for barter aggravating to access their bazaar share. They action ample discounts, which anatomy the lower rates. At the aforementioned time there is beneath antagonism on the bazaar - there are abundant beneath players. This agency that the amount levels may abatement hardly on average, but they abide aural a set range. The closing is not acutely low.
Overall, you can acquisition actual cheap auto insurance quotes as continued as you administer to booty advantage of the discounts offered by the above companies. It is absolutely not a acceptable abstraction to go for the atomic big-ticket accord that ability not be reliable.
Looking For Cheap Car Insurance Quotes - Surprising Factors That Affect the Rates
You would absolutely appetite to accomplish a abundant arrangement back you boutique for auto insurance. This is important back you are activity to accept to pay premiums for best of your approaching life. So, you accept to be a adeptness client now unless you appetite to buck an unnecessarily ample banking burden. The best way in which to get the best deals is to appeal cheap insurance quotes online.
You artlessly charge to go to a committed website alms these, acknowledgment a few questions and get an action aural minutes. The action is simple, effortless and acutely quick. However, it can be hardly ambagious as able-bodied abnormally for aboriginal time insurance buyers. You accept to apperceive added about the accumulation of the ante you are presented with. You charge to apperceive what factors they are based on.
Your active almanac and the cardinal of accomplished claims you accept (if any) are capital for the assurance of the exceptional you will accept to pay. But there are added factors that assume surprising, but absolutely comedy a basic role in the accumulation of the ante you are presented with.
Your age is a acute factor. It will actuate how cheap the cheap car insurance quotes you get will be. The individuals beneath 25 are advised to be amateur and chancy drivers. So, if you are in this accumulation you can apprehend to pay a abundantly ample bulk for insurance. This is decidedly applicative to teenagers. The earlier you are the beneath you will pay.
Your gender additionally determines the admeasurement of the exceptional you will accept to pay. Women are advised to be safer drivers than men. The statistical abstracts shows that they changeable motorists are complex in beneath accidents. They additionally accomplish a abate cardinal of claims. Generally, women are believed to be added accurate and beneath affecting back they are abaft the will.
Your occupations additionally plays a role in the assurance of the ante you are offered. This ability assume to be a bit far fetched, but generally the insurers amount out what affectionate of disciplinarian you are and how generally you use your car by attractive at your job. For example, if you are in the ball business, you ability be advised reckless. If your job requires you to biking out of boondocks abounding times, you will accept to pay added because you will absolutely accept a academy mileage.
Your breadth of abode will additionally affect the exceptional you will be presented with. Some towns and neighborhoods are advised to be riskier for drivers. The insurance companies attending at the cardinal of alley accidents that accept happened in your breadth and ability readily access the ante aloof because added collisions occurred there.
Your apprenticeship may additionally actuate how low the ante of the cheap car insurance quotes you get will be. The bodies with a academy amount are generally advised to be beneath acceptable to account an accident. On the added hand, beneath accomplished individuals may accept to pay added because they are believed to be riskier drivers.
Hawaii Car Insurance Requirements
Insurance coverage is not part and parcel of your Hawaii car rental rate.The car rental companies instead offer protection plans that are differ somewhat from the conventional insurance plans offered by standard insurance companies. The plans offered by the rental companies are very expensive when compared with your automobile insurance per dium at home. We suggest that you try to provide your own coverage through a third party for reasons of cost and you will know in advance what level of liability coverage you will have. The rental companies protection plans offered are similar though they vary slightly in price and coverage. Not all plans are available at all the car rental companies.When you go to pick up your rental the location will offer you various types of protection plans. These are optional services that you do not need to agree to in order to rent the vehicle. You may decline their offers by initialing your rejection on your contract.Hawaii Car Insurance Requirements/LimitsBodily Injury & Property Damage Liability: Minimum coverage limits by law are: $20,000 per person injured in any one accident and, $40,000 for all persons injured in any one accident; $10,000 for injury to or destruction of property of others in any one accident.Car Rental Company Protection PlansLoss Damage Waiver (LDW/CDW) – The rental company agrees to waive claims in regards to vehicle damage or loss as long as you have not violated the rental agreement. Generally the rates for the Loss Damage Waiver plan ranges from $20 to $30 per day depending on the limits of coverage included in the plan. Liability Insurance (SLI/ALI) – This plan limits your liability in regards to third party injury or property damage claims. Rates vary around the $12 to $15 per day and again the amount of coverage varies between companies. Uninsured/Underinsured Motorist Protection – This covers you in the event that you get hit by someone who doesn’t have the necessary insurance coverage on their vehicle. This plan is often bundled with the Personal Protection Plan. Personal Protection/ Accident Plan - Provides certain medical, death and dismemberment benefits to the driver and passengers in your rental car and certain benefits for loss or damage to many of personal effects your whether you're in or out of your rental vehicle. Rates are around $5 per dayThird Party Sources for Car Rental InsuranceYour current automobile insurance coverage may already cover rental vehicles when they are driven by you. Because the limits of the coverage are those stated in your policy please check with your insurance supplier. If rental vehicles are not covered they may have add-on plans covering rental vehicles or may offer general travel insurance plans covering all sorts of liabilities encountered while traveling. Many credit cards include some liability insurance coverage for rental cars when the card is used to pay for the rental. Check with your credit card supplier to find the coverage provided. Many Automobile Clubs offer travel coverage plans as well.
Things to Remember While Booking For a Car Rental
When you are on a holiday tour in Hawaii, car rental services make your trip hassle-free. The market for car rentals in Hawaii is undergoing a revolution as new and advanced vehicles are being introduced. In 2011, the green car rental will start and people can hire cars that run without fuels. These vehicles would be environment friendly as they are operated by lithium-ion batteries.
Kona is one of the picturesque places in Hawaii which is well known for its diverse culture. You will also be amazed to experience varied climatic conditions as you visit different places in this district. In Kona, you will find fascinating historical places and art galleries that preserve precious local crafts. You can also enjoy mountain adventures at Muana Kea and indulge in activities like snorkeling and surfing. Kona car rental can help you experience all this fun as you can move around the district conveniently.
You will get plenty of Kona car rental companies that offer luxury as well as economical cars. However, to get the best deal you need to look out for certain aspects before hiring a car।
1.While signing the contract for the first time with a travel agency, you must carefully go through all the terms in their agreement. You should always read the fine print to find if there is any hidden cost involved or not.
2.You can find many small car agencies that offer amazingly low prices. It is better to avoid such agencies as the hired vehicle might not be in a proper condition. On the other hand reputable car agencies will charge you competitive rates and will give guarantee on their vehicles.
3.In case you choose to self-drive the hired car, you should check your auto insurance to know if you are financially covered for driving a hired vehicle. In case you find that you are not insured by your auto insurance agency, you should opt for insurance from Kona car rental companies. All good companies offer auto insurance when you book a vehicle from them.
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