As a college student, you are typically insured on your parents' policy, but once you graduate you need to buy your own. Here's how to get the best car insurance rate if you're a college grad.
Shop Around for Coverage
The first thing you need to do is to compare rate quotes by going to an insurance comparison website that will let you compare quotes from multiple insurance companies. This will save you time and money, plus the best insurance comparison websites have insurance professionals on hand to answer your car insurance questions. (See link below.)
Make sure that you compare the coverages, deductibles, and fees on every quote you get and that you read everything before you sign any paperwork.
Car Insurance Tips
To help you get the best rate on your car insurance, follow these tips:
* Ask if the insurance company offers a college grad discount. This is usually a 10-15% discount for people under age 30 who are college graduates.
* Ask about any other discounts you may qualify for. Some discounts include having a burglar alarm, anti-theft device, or anti-lock brakes installed on your car. Others include taking a drivers ed course or having a three-year accident free driving record.
* If you're buying a new car, find out what the insurance costs will be for the models you're interested in. Your insurer can give you quotes so that you can choose a vehicle with insurance rates you can afford.
* Keep your credit history clean. Pay your bills on time and don't accumulate too many credit cards. A poor credit score means higher car insurance rates.
* Skip the comprehensive and collision coverage on your vehicle if it's more than five years old.
Visit http://www.LowerRateQuotes.com or click on the following link to get college grad rate quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.
Saturday, October 13, 2007
Discount Free Auto Insurance Quote-How To Find It As Quickly As Possible
A discount free auto insurance quote is easily found on the Internet. Quite simply, there are many companies that offer these free insurance quotes on their website, and you no longer have to go to the hassle of calling them up and waiting hours on end to talk to an agent to find out the price for insurance for that company. Here are some important tips to help you find the right company for you.
Before you even for consider purchasing a new car, you must have auto insurance. You cannot purchase a new car legally without insurance. However, don't wait till the day you are ready to purchase a new car before finding discount free auto insurance quote.
First of all, it is absolutely necessary to do your research thoroughly before you take out any insurance policy. If you wait until the day you purchase a new car, you will probably be forced to get a less than ideal policy, and you'll probably end up pay more money than you otherwise would. However, the price is certainly not the only factor; in fact, often times the cheapest company's offer the lousiest customer service.
It's no secret that car insurance can be very expensive. However, as long as you have a reasonably safe car, and it's not very exotic and likely to be stolen, you can generally expect to pay a reasonable rate on your car insurance. So the most important factors that affect your insurance rate will be the kind of car you drive, and your driving record.
These are the two most important, but there are certainly other factors as well. If you do a poor driving record, consider taking a driver's education course to help lower your rate.
Just about every major insurance company will offer you a discount if you do this. Also, consider getting an antitheft system in your auto, which also reduces the rate. Hopefully, these tips will help you save some money with your car insurance research; therefore, obtain a discount free auto insurance quote, do your research and find the right auto insurance company for you.
Before you even for consider purchasing a new car, you must have auto insurance. You cannot purchase a new car legally without insurance. However, don't wait till the day you are ready to purchase a new car before finding discount free auto insurance quote.
First of all, it is absolutely necessary to do your research thoroughly before you take out any insurance policy. If you wait until the day you purchase a new car, you will probably be forced to get a less than ideal policy, and you'll probably end up pay more money than you otherwise would. However, the price is certainly not the only factor; in fact, often times the cheapest company's offer the lousiest customer service.
It's no secret that car insurance can be very expensive. However, as long as you have a reasonably safe car, and it's not very exotic and likely to be stolen, you can generally expect to pay a reasonable rate on your car insurance. So the most important factors that affect your insurance rate will be the kind of car you drive, and your driving record.
These are the two most important, but there are certainly other factors as well. If you do a poor driving record, consider taking a driver's education course to help lower your rate.
Just about every major insurance company will offer you a discount if you do this. Also, consider getting an antitheft system in your auto, which also reduces the rate. Hopefully, these tips will help you save some money with your car insurance research; therefore, obtain a discount free auto insurance quote, do your research and find the right auto insurance company for you.
How to Stop Telemarketers
You have finally gotten the baby to sleep and you sit down to dinner, which you find is cold because it took so long to get your infant to finally go down for the night. You warm your dinner again and, just as you sit down, the phone rings. The baby wakes and on your way to get her from the crib, you answer the phone, only to find that someone wants to give you a no-obligation quote on auto insurance.
At best, telemarketers are annoying. They always seem to call at the most inappropriate times and they can be difficult to get away from. And while your first impulse may be to simply hang up or say "I'm not interested," that is generally not the best way to go about it if you want to stop telemarketers from calling your home the next time.
Your first step for stopping telemarketers is to join the National Do Not Call Registry with a quick visit to DoNotCall.gov. This registry is managed by the Federal Trade Commission (FTC) and allows you to place your home number and personal wireless numbers on the national Do Not Call list for free. Once your number appears in this registry (typically the day following your request to join), telemarketers have 31 days to stop calling you. If they don't stop calling, you can file a complaint directly on the DoNotCall.gov website.
This simple, 30-second task will greatly reduce the number of phone calls you receive, and your registration is effective for five years. However, the registry will not stop calls from political organizations or charities, nor will it stop telephone surveyors (unless their true motivation in calling you is to sell you a product.) The registry will also not stop calls from those companies you already do business with. You have to stop these telemarketing calls yourself.
As mentioned, your first instinct may be to hang up or say "I'm not interested," but, if you do, your phone number will simply be put back on the list and you will be called again and again.
When you receive these kinds of calls, make sure to state very clearly that you would like to be added to the organization's Do Not Call list. And then keep a record of those companies or organizations. The law does not require non-profits to keep these do-not-call lists, but you can state your wishes, and if you are met with a rebuttal, ask to speak to the supervisor. Your goal is to remain firm but calm and to proceed until you talk with someone who can assure you that you will not be called again. If the organization feels that they will lose your contributions or support if they do not cease calling, they will tend to comply.
At best, telemarketers are annoying. They always seem to call at the most inappropriate times and they can be difficult to get away from. And while your first impulse may be to simply hang up or say "I'm not interested," that is generally not the best way to go about it if you want to stop telemarketers from calling your home the next time.
Your first step for stopping telemarketers is to join the National Do Not Call Registry with a quick visit to DoNotCall.gov. This registry is managed by the Federal Trade Commission (FTC) and allows you to place your home number and personal wireless numbers on the national Do Not Call list for free. Once your number appears in this registry (typically the day following your request to join), telemarketers have 31 days to stop calling you. If they don't stop calling, you can file a complaint directly on the DoNotCall.gov website.
This simple, 30-second task will greatly reduce the number of phone calls you receive, and your registration is effective for five years. However, the registry will not stop calls from political organizations or charities, nor will it stop telephone surveyors (unless their true motivation in calling you is to sell you a product.) The registry will also not stop calls from those companies you already do business with. You have to stop these telemarketing calls yourself.
As mentioned, your first instinct may be to hang up or say "I'm not interested," but, if you do, your phone number will simply be put back on the list and you will be called again and again.
When you receive these kinds of calls, make sure to state very clearly that you would like to be added to the organization's Do Not Call list. And then keep a record of those companies or organizations. The law does not require non-profits to keep these do-not-call lists, but you can state your wishes, and if you are met with a rebuttal, ask to speak to the supervisor. Your goal is to remain firm but calm and to proceed until you talk with someone who can assure you that you will not be called again. If the organization feels that they will lose your contributions or support if they do not cease calling, they will tend to comply.
How to save on car insurance rates
Being assured in their own driving abilities and thus neglecting the chances of ever being involved into a car accident, some drivers consider a car insurance to be a superfluous waste of money. Maybe they just don't realize that money paid after the accident will highly exceed the amount of money paid by them as insurance premiums. Besides, nowadays insuring a vehicle has become compulsory and in order to avoid being fined by the police, everyone should take care of obtaining affordable auto insurance. Easier said than done, isn't it? But there always can be a way. The first thing that must be done is to thoroughly understand the essence of insurance in general, the characteristics it includes etc. Liability insurance usually covers damages or injuries caused to a third person, while medical coverage, collision coverage, comprehensive coverage, etc. pays the cost of treating your own injuries, damages to your own car, etc. One can save a lot by arranging a third party only cover, if of course the law of your state will be okay with just that, but you should remember that any damages to your own car won't result in any compensation. So first determine exactly what you need and be sure you aren't paying for something you didn't really intend to. On the other hand be aware of those minimum coverage profiles, that your state may have imposed and thus be sure your policy contains at least the coverage of that compulsory profile.
Insurance companies usually calculate premium rates considering all the possible risks associated with insuring your car. The lower risk you bear for an insurer, the lower price you get. Good credit history and driving record are those very factors, depending on which insurance companies determine the level of your riskiness. While driving record directly indicates your riskiness, credit record may serve as such an indicator indirectly. If your credit record is free from defaults, you will be considered as a responsible and thoughtful person not only in paying bills, but in other fields as well, including driving. If you're willing to reduce your auto insurance premium even more, you should take a course in defensive driving. It's a skill in driving, not limited only to basic driving techniques, but preparing you how to react in adverse conditions or on others' mistakes, teaching you to anticipate dangerous situations, things that could lead to collisions and correspondingly briefly respond on them. For all these reasons defensive drivers are considered to be the great drivers and consequently represent lower risk for insurers, so they really deserve lower rates.
Equipping your car with alarm systems and other safety and security features, parking it in a locked garage each night will increase its' safety rating and reward you with lower premiums. It's obvious that luxurious cars are at higher risk for theft, therefore the price for their insurance may be significantly raised as well. So before buying a vehicle of your dream, anticipate your financial conditions and determine if you can afford both the car and its insurance at the same time.
While arranging for a car insurance, just to widen your basis for comparison, try to obtain quotes form as many insurance quote sites as possible and increase your chances of procuring more for less.
Insurance companies usually calculate premium rates considering all the possible risks associated with insuring your car. The lower risk you bear for an insurer, the lower price you get. Good credit history and driving record are those very factors, depending on which insurance companies determine the level of your riskiness. While driving record directly indicates your riskiness, credit record may serve as such an indicator indirectly. If your credit record is free from defaults, you will be considered as a responsible and thoughtful person not only in paying bills, but in other fields as well, including driving. If you're willing to reduce your auto insurance premium even more, you should take a course in defensive driving. It's a skill in driving, not limited only to basic driving techniques, but preparing you how to react in adverse conditions or on others' mistakes, teaching you to anticipate dangerous situations, things that could lead to collisions and correspondingly briefly respond on them. For all these reasons defensive drivers are considered to be the great drivers and consequently represent lower risk for insurers, so they really deserve lower rates.
Equipping your car with alarm systems and other safety and security features, parking it in a locked garage each night will increase its' safety rating and reward you with lower premiums. It's obvious that luxurious cars are at higher risk for theft, therefore the price for their insurance may be significantly raised as well. So before buying a vehicle of your dream, anticipate your financial conditions and determine if you can afford both the car and its insurance at the same time.
While arranging for a car insurance, just to widen your basis for comparison, try to obtain quotes form as many insurance quote sites as possible and increase your chances of procuring more for less.
Numerous Types Of debt
There are numerous types of debt, including basic loans, syndicated loans, bonds, and promissory notes. Debt is that which is owed; usually referencing assets owed, but the term can cover other obligations. Debt allows people and organizations to do things that they would otherwise not be able, or allowed, to do.
Loans
Debt collectors may not engage in unfair practices when they try to collect a debt. Debt collectors also may not state that: you will be arrested if you do not pay your debt; they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
Local government loans are sometimes guaranteed by the national government and this reduces the risk. In commercial loans interest, calculated as a percentage of the principal sum per annum, will also have to be paid by that date. This includes any loans to purchase "assets" such as leaders' palaces, or the people's suppression or extermination. Remember that these loans require you to put up your home as collateral.
You should pay off credit cards and auto loans before tackling mortgages or student loans. Consolidation of federal loans is easy, and might save you hundreds of dollars by lowering your interest rate. There are important differences to understand between second mortgages, refinances, and home equity loans, so please read our guide, browse our articles, and use our solution finder to receive your debt help quote.
Rate
Some companies and corporations use debt as a part of their overall corporate finance strategy. In reality, no lending is truly risk free, but borrowers at the "risk free" rate are considered the least likely to default. Lending's to stable financial entities such as large companies or governments are often termed "risk free" or "low risk" and made at a so-called "risk-free interest rate".
The real value of the money may have changed due to inflation, or, in the case of a foreign investment, due to exchange rate fluctuations. This effect may be termed usury, while the term "usury" in other contexts refers only to an excessive rate of interest, in excess of a reasonable profit for the risk accepted. This is because the debt and interest can be repaid by raising tax receipts (either by economic growth or raising rates), a reduction in spending, or failing that by simply printing more money.
Debt held by the public is the most meaningful of these concepts and measures the cumulative amount outstanding that the government has borrowed to finance deficits. Debt relief from participating creditors becomes irrevocable at the completion point. Debt consolidation counseling is a boon for those who wish to avoid having to file for bankruptcy and pay off their loans, if possible, without taking out additional loans. Debt help without bad credit does credit card debt and saving and credit card debt and death.
Loans
Debt collectors may not engage in unfair practices when they try to collect a debt. Debt collectors also may not state that: you will be arrested if you do not pay your debt; they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
Local government loans are sometimes guaranteed by the national government and this reduces the risk. In commercial loans interest, calculated as a percentage of the principal sum per annum, will also have to be paid by that date. This includes any loans to purchase "assets" such as leaders' palaces, or the people's suppression or extermination. Remember that these loans require you to put up your home as collateral.
You should pay off credit cards and auto loans before tackling mortgages or student loans. Consolidation of federal loans is easy, and might save you hundreds of dollars by lowering your interest rate. There are important differences to understand between second mortgages, refinances, and home equity loans, so please read our guide, browse our articles, and use our solution finder to receive your debt help quote.
Rate
Some companies and corporations use debt as a part of their overall corporate finance strategy. In reality, no lending is truly risk free, but borrowers at the "risk free" rate are considered the least likely to default. Lending's to stable financial entities such as large companies or governments are often termed "risk free" or "low risk" and made at a so-called "risk-free interest rate".
The real value of the money may have changed due to inflation, or, in the case of a foreign investment, due to exchange rate fluctuations. This effect may be termed usury, while the term "usury" in other contexts refers only to an excessive rate of interest, in excess of a reasonable profit for the risk accepted. This is because the debt and interest can be repaid by raising tax receipts (either by economic growth or raising rates), a reduction in spending, or failing that by simply printing more money.
Debt held by the public is the most meaningful of these concepts and measures the cumulative amount outstanding that the government has borrowed to finance deficits. Debt relief from participating creditors becomes irrevocable at the completion point. Debt consolidation counseling is a boon for those who wish to avoid having to file for bankruptcy and pay off their loans, if possible, without taking out additional loans. Debt help without bad credit does credit card debt and saving and credit card debt and death.
Saturday, September 1, 2007
Three Things To Remember When Shopping For An Auto Loan
Shopping for a car can be an exciting time as you consider the many options of models, colors, and accessories. Seven out of 10 new cars are financed, however, so finding an auto loan will most likely be an essential part of the process. If you prepare yourself with the right information about auto loans, financing the car won't detract from your enjoyment of your new wheels. When looking for a car loan, keep these things in mind:
Know your financial situation and credit report. Before you even begin looking for cars, decide how much money you can realistically spend on a car. It also can be a good idea to get the loan first, so there are no problems when you have found your desired car. Before going to the lender, it is important to know what your credit report looks like. By obtaining a free copy of your report, you can clear up mistakes and raise your score so you can obtain a lower interest rate and improve your chances of being approved.
Keep the big picture in mind. A small down payment now may not be best in the long term. Because cars depreciate in value, it can be easy to become upside down in your loan, which means you owe more than the car is worth. Putting 20% down is a good option to help avoid this. If you can't scrape up enough cash, then keep the term of the loan short. Becoming upside down is also common when you roll old car debts into a new loan. When a dealer offers to trade in your car no matter what you owe, be aware that you will still be the one paying for it, but it will be in your new loan. Remember to keep the value of the car in mind when considering how long you will be paying for it.
Shop around. It may seem obvious, but don't settle on the first lender that gives you a quote. Car dealers, credit unions, banks, and online lenders all provide auto loans, and it is important to compare rates and offers of several lenders before choosing one. Also ask the lender several questions about the loan. Questions should include: What is the exact amount each payment will be? How many total payments will there be? Is there a prepayment penalty? Is credit insurance required? Is the deal contingent upon a third party approval of financing? The last question is particularly important if you are working with a dealer for a loan. You don't want to leave with the car, only to find out two days later that you weren't approved for the interest rate quoted. Don't leave until everything is a done deal.
If you are prepared to ask the right questions, financing your new car will be simpler, and you can enjoy the ride knowing you have made sound financial decisions.
Know your financial situation and credit report. Before you even begin looking for cars, decide how much money you can realistically spend on a car. It also can be a good idea to get the loan first, so there are no problems when you have found your desired car. Before going to the lender, it is important to know what your credit report looks like. By obtaining a free copy of your report, you can clear up mistakes and raise your score so you can obtain a lower interest rate and improve your chances of being approved.
Keep the big picture in mind. A small down payment now may not be best in the long term. Because cars depreciate in value, it can be easy to become upside down in your loan, which means you owe more than the car is worth. Putting 20% down is a good option to help avoid this. If you can't scrape up enough cash, then keep the term of the loan short. Becoming upside down is also common when you roll old car debts into a new loan. When a dealer offers to trade in your car no matter what you owe, be aware that you will still be the one paying for it, but it will be in your new loan. Remember to keep the value of the car in mind when considering how long you will be paying for it.
Shop around. It may seem obvious, but don't settle on the first lender that gives you a quote. Car dealers, credit unions, banks, and online lenders all provide auto loans, and it is important to compare rates and offers of several lenders before choosing one. Also ask the lender several questions about the loan. Questions should include: What is the exact amount each payment will be? How many total payments will there be? Is there a prepayment penalty? Is credit insurance required? Is the deal contingent upon a third party approval of financing? The last question is particularly important if you are working with a dealer for a loan. You don't want to leave with the car, only to find out two days later that you weren't approved for the interest rate quoted. Don't leave until everything is a done deal.
If you are prepared to ask the right questions, financing your new car will be simpler, and you can enjoy the ride knowing you have made sound financial decisions.
Friday, August 31, 2007
Auto Repair: Choosing the Right Automotive Replacement Parts for Your Vehicl...
For most laymen, having a vehicle repaired involves several elements of risk. Are you getting a fair deal? Could there be a cheaper solution? Is your car going to be okay? Acquiring a little bit of basic knowledge before taking your car in for repair can help to put these kinds of questions at ease. From obtaining an estimate to getting the best automotive replacement parts, here are a few tips to help you get the most from your car repair.
1. Understanding Automotive Replacement Parts - OEM vs. Aftermarket
O.E.M. stands for Original Equipment Manufactured, and refers to vehicle parts that are made by a car manufacturer itself. I.e., Toyota OEM parts are made by Toyota, and so on. You may also hear the terms O.E.S. and OE; which mean Original Equipment Supplied and Original Equipment, respectively. While many times the terms OEM and OES are interchangeable, OE is a term more generally referring to any original equipment on the car. Some of OE car parts and components are not actually made by the car manufacturer, but are purchased and assembled by the automakers.
After Market auto parts are bought and added to a vehicle at the dealership or after the vehicle left the dealership, and are not made by car manufacturers. Aftermarket parts are most often used as automotive replacement parts, but can also function as specialty add-ons to increase both look and performance.
Original Equipment is often times more durable as compared to stock parts, but can come with a substantial markup to cover the labor and shipping costs of the manufacturer. However, there are many auto shops that offer affordable, yet well-made 'to automotive standard' parts such as www.partsplusautostore.com. To assess which type of automotive replacement part will be the best for your repair, consult with the mechanic after initial inspection. Knowing the type and degree of damage to a part can help to determine a clear discourse.
2. Receiving an Estimate
Below are four tips to help you get the most for your money:
o If you know the types of repairs needed, make a list before you arrive. The repair shop can then inspect your car and estimate repairs more efficiently. o Make sure you obtain a written or verbal estimate for repairs; the final bill cannot exceed more than 5% of the original estimate, as required by law.o Always ask to see the damaged or worn part and ask that it be returned to you in the box of the new replacement part at the time you sign the work order. After inspection, have the repair garage dispose of parts as needed or retain for further inspection.o Request quotes from several sources, including your dealer. While replacement parts from your dealership will usually be a bit more expensive, it helps to receive a quote from as many sources as possible to avoid getting duped by the 'low ball bid.' Some repair shops under bid to get you in the door, only to add on unneeded services later.
3. A word about new vehicles
In a few unfortunate cases, a new vehicle that seemed to have driven off the lot in good condition ends up needing repair. If the dealership is not as helpful as they should be, you can contact the manufacturer of the vehicle. Major manufacturers have a customer help line that will connect you with a representative who can help to get the needed parts and repairs done quickly. Because most dealerships are independently owned, it's difficult to assess which will be responsive and which will not. Contacting a manufacturer's representative will help you get the leverage you need to resolve the problem promptly.
1. Understanding Automotive Replacement Parts - OEM vs. Aftermarket
O.E.M. stands for Original Equipment Manufactured, and refers to vehicle parts that are made by a car manufacturer itself. I.e., Toyota OEM parts are made by Toyota, and so on. You may also hear the terms O.E.S. and OE; which mean Original Equipment Supplied and Original Equipment, respectively. While many times the terms OEM and OES are interchangeable, OE is a term more generally referring to any original equipment on the car. Some of OE car parts and components are not actually made by the car manufacturer, but are purchased and assembled by the automakers.
After Market auto parts are bought and added to a vehicle at the dealership or after the vehicle left the dealership, and are not made by car manufacturers. Aftermarket parts are most often used as automotive replacement parts, but can also function as specialty add-ons to increase both look and performance.
Original Equipment is often times more durable as compared to stock parts, but can come with a substantial markup to cover the labor and shipping costs of the manufacturer. However, there are many auto shops that offer affordable, yet well-made 'to automotive standard' parts such as www.partsplusautostore.com. To assess which type of automotive replacement part will be the best for your repair, consult with the mechanic after initial inspection. Knowing the type and degree of damage to a part can help to determine a clear discourse.
2. Receiving an Estimate
Below are four tips to help you get the most for your money:
o If you know the types of repairs needed, make a list before you arrive. The repair shop can then inspect your car and estimate repairs more efficiently. o Make sure you obtain a written or verbal estimate for repairs; the final bill cannot exceed more than 5% of the original estimate, as required by law.o Always ask to see the damaged or worn part and ask that it be returned to you in the box of the new replacement part at the time you sign the work order. After inspection, have the repair garage dispose of parts as needed or retain for further inspection.o Request quotes from several sources, including your dealer. While replacement parts from your dealership will usually be a bit more expensive, it helps to receive a quote from as many sources as possible to avoid getting duped by the 'low ball bid.' Some repair shops under bid to get you in the door, only to add on unneeded services later.
3. A word about new vehicles
In a few unfortunate cases, a new vehicle that seemed to have driven off the lot in good condition ends up needing repair. If the dealership is not as helpful as they should be, you can contact the manufacturer of the vehicle. Major manufacturers have a customer help line that will connect you with a representative who can help to get the needed parts and repairs done quickly. Because most dealerships are independently owned, it's difficult to assess which will be responsive and which will not. Contacting a manufacturer's representative will help you get the leverage you need to resolve the problem promptly.
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