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Showing posts from September, 2012

Top 4 safety tips for drivers who want lower insurance rates and more security

Whether you have a new car or an old one, it is imperative that you take into consideration certain safety measures to ensure that you and your family is safe while riding the said vehicle. Staying safe on the road and being road safe i.e. a safe driver also lowers your car insurance premium.
Maintain a Clean Record At The DMV
Follow all traffic rules. If you always get a speeding ticket or a ticket because you keep beating the stop light, you will never get a clean record at the DMV. Keeping a good record at the DMV is not only good for your driving reputation but will also ensure that you get a good deal from car insurance companies because the safer driver you are, the lower your premiums will be. Driving under the influence does not help in maintaining a good, clean record at the DMV and this gets a special mention because a number of Americans get arrested for drinking under the influence. If you are drunk, have your spouse drive or have someone to come pick you up.
Safety Features

Learn the terms and rules for comparing auto insurance online

There are many talks about comparing your auto insurance quotes for saving money. While most people find it easy to compare the premium price, it is often very difficult to compare the actual coverage. If you are feeling frustrated because you are having this problem, this article may help to shed some light on the subject. Understanding what to compare in insurance quotes helps you choose the right policy
The first rule is ‘Apples to Apples’. Understanding the policy’s language will help you know if you are comparing the same things. Start with Liability insurance. Simply put liability is your financial obligation to cover damages to persons or property in the event of an accident. Very few people put aside money to cover the costs of what if’s, and even fewer have the resources to cover the total costs of an accident. The government requires you buy insurance. (Otherwise they would be footing the bill for medical and many property damages created by auto accidents).
Liabilit…

Starting A Business On A Shoestring Budget

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One of the problems with opening a business is the fact that it often requires a considerable amount of startup costs. If you are trying to start a business on a shoestring budget or if you don’t have the credit necessary to get a business loan, what can you do to ensure that you have everything setup properly so that you can move your business forward? One of the things that you can do is to look for wholesale suppliers that are going to work with you on a one-on-one basis so that you can get the items that you need to sell at a lower price (Source: Wholesale Suppliers by Simple Source). You may also be able to use drop shipping wholesalers that will not only sell you those items a lower price, they will take care of your customers in the fact that they ship the items to them. Where can you find a drop ship supplier and what should you keep in mind when choosing one?

There are directories online that can help you to find a dropshipper that you can use for your business. Once you hav…

Health insurance for smokers

Without any doubt, having health insurance is a primary necessity these days despite its optional status. Any person that ever had to do anything with healthcare without a standard health insurance policy will tell you that it’s simply impossible to get proper care for reasonable money. Even an average health condition like flu or bronchitis can result in a medical bill that you’ll need to pay half of your annual salary to settle. Not to mention emergency situation when surgery and hospital care are required, and we all know that it can be as costly as hell. So whether costly or not, an insurance plan is a much more affordable option for having your health covered. But what if you make part of an insurance group that isn’t really favored these days? What’s the cost of health insurance if you’re a smoker?
Being a smoker isn’t cheap, and if you didn’t realize it already the numerous studies and social campaigns sure did their job on informing you about the costs and perils of smoking. It…

The credit-hire scams and cheap car insurance

Life would be so much easier and an awful lot cheaper if the world was a place with more honesty in it. But, unfortunately, we’ve always been surrounded by thieves and vagabonds who take goods and money not belonging to them. Why does this matter? Because when the victims are in business, their insurance premiums go up. When their insurance premiums go up, they raise their prices to cover the costs. So we all end up paying more for all our goods and services because the level of dishonesty is so high.
The huge amount of fraud in the system, however, is making it increasingly difficult to find the cheap car insurance we are all looking for. As an example, let’s take the credit-hire companies. These honest and upstanding members of the community buy the personal details of all us unlucky souls who’ve just had an accident. Armed with our personal details, they then approach us and offer a hire car and “cheap” repairs. This sounds a good deal. We’d just started to go round the garages to g…