For acquiring the cheapest possible auto insurance you need to understand how insurance companies rate your driving and rate your risk. Insurance business resembles gambling a lot, as they are betting on you not going to make a claim or get into an accident.
Insurance companies use actuaries to calculate the likelihood of an accident. These individuals use mathematical models to limit the number of risks to the company. There are over 211 million licensed drivers in the US and in 2009 over 16.5 million accidents with 48,000 resulting in a fatality. Actuaries analyze the crash data, information about the cars involved, information about the people involved, and use that to tabulate your risk. An Event Detection Recorders (EDR) or the black box is a new tool that the actuaries and insurance companies use to analyze crash data.
EDRs are in most new cars and by 2015 will be in all cars produced in the US. They operate very much like a crash recorder for an airplane. EDR’s are event triggered and only record vehicle information just prior to and post and accident; like did the automatic collision notification system activate during the event. (This is akin to how the brand OnStar knows you have been in an accident, then, they in turn use your car’s GPS to send help.) EDR’s monitor how the brakes acted, what the level of thee gas pedal was at the time of impact, the speed of the vehicle and things like did the seatbelts and airbags engage. All of this gives data on the safety of the car, as well as some information about the driver.
However, if you want to get safe driver car insurance discount for your EDR, you need to sign up for a black box that gives the insurance company real time access to your driving habits. They will install a transmitter to your EDR, which gives them detailed information about your average speed of travel, travel time, and distances. In addition, it transmits back the speed at which you take curves, how you accelerate from a stop, or how you use your breaks.
The caveat to requesting the black box is that it can tell them that you are not a safe driver. So you may be to pay either the most expensive or the cheapest car insurance premiums depending on your everyday driving records and situations on the road… If you believe you are truly a safe driver and drive conservatively you will naturally benefit from the discount for your EDR.
Buying a car is an emotional thing. The automobile manufacturers know this. They hire the best advertisement agencies to get you to buy and to buy your loyalty. They teach their sales people to push those buttons. They are in business to get the most dollars out of you for their product. While you can talk to your friends and to your family like an adult as to why you bought a certain car…the child inside of you really made the purchase.
If you think this isn’t true, then know that you could get to work just as reliably in a grey box with something just slightly more comfortable than a lawn chair that met all of the safety standards and emission standards. You bought the midnight blue xxx because the child in you felt gratified in doing so.
Funny thing is, the insurance companies don’t care what buttons were pushed before your purchase, you own it now. The insurance company only cares about the risk they take when they insure your car. Moreover, their inner child for the insurance company is driven by the profits the executives see in the company.
How can you beat this game when it is time for you to buy a new car? Check the National Institute for Highway Safety website. Find out what the “Insurance losses by makes and models page” has to say. You will get glimpse into what the insurance companies use to set your car insurance premiums. It gives the numbers for property damage, comprehensive damage, personal injury, medical payments and bodily injury graphically positioned by, manufactures, models, and size categories. You can see where they paid out the most amount of money and the least amount of money dependent upon the car, regardless of how good a driver you are.
Be an educated consumer. You know you have to buy insurance for your new car. Car insurance quotes are here to let you preview the expenses and make a weighted decision on the car you need. First it’s wise to review the cheapest models to insure in order to save on your insurance premiums, then go look at the cars and take a test drive. After this also review a couple of models you like and compare the car insurance quotes. Whatever you pick, you will know you have done the research and you are confident about what you pay for.
Looking for auto insurance quotes online has become a usual practice for millions of car owners. People appreciate the convenience of doing their shopping on the web and tend to believe that this gives them lower rates. Usually, this is corrects but not because you’re getting your quotes online. The Internet gives far more possibilities in terms of comparison shopping and it’s much easier to compare auto insurance quotes effectively. This usually leads to more competitive offers and more affordable policies. But sometimes it’s just not enough to optimize auto insurance costs. That’s exactly when you need to start looking for discounts.
Discounts are an effective method for keeping loyal customers and attracting new ones. However, some insurers tend to not disclose much information on this subject unless they really want to grab your attention. That’s why you should always ask around about discounts when quoting with a new company. Chances are high that you’ll stumble upon some really nice discounts, which are common among the majority of insurers. Here are just a few discount types you will likely find with most insurers:
Low mileage discount
The risk of having an accident is proportional to the average distance a driver travels during the year. And this is especially true for areas with heavy traffic. So if you tend to drive less than average (about 10,000 miles per year) you will typically qualify for a low mileage discount and get more competitive auto insurance quotes.
Multiple car discount
Insuring multiple cars can cost you a lot unless you cover them with a single policy. Insurers prefer covering several cars at once because the risk of an insurance situation in such case is lower and there’s less paperwork to do.
Multiple policy discount
Major insurance companies tend to provide a wide range of services, including auto, health, home, life and other types of insurance. And if you buy several products from the same provider you will usually get nice discounts. So make sure to check whether your health or home insurer provides auto insurance quotes as well.
Good student discount
High school and college students usually get the highest auto insurance quotes because they are classified as high risk drivers. But if you’re doing well with your grades and can provide a copy of your grade report, there are nice discounts available for you as well.
Senior driver discount
Drivers aged over 65 also tend to get high auto insurance quotes because they tend to produce more accidents. But the majority of insurance companies offer special discounts to this group of drivers to lower the financial impact of costly policies for them.
When you decide to get a new vehicle, you will probably finance it instead off paying in cash at once. And with financing, part of your contract with the bank or the leasing company is to keep a minimum amount of auto insurance. They generally stipulate that you have to buy comprehensive auto insurance coverage in addition to your liability coverage. While you get online and search for the cheapest car insurance, and compare prices and specific coverage’s, you probably aren’t thinking about depreciation.
Considerations on new cars and ways to get the cheapest car insurance
Depreciation is when the value of a good declines over time from its original price. Cars are notorious for quick depreciation. Part of that is because cars are a production commodity. As quickly as a model hits the factory line, a new and improved one is in the prototyping phase of production, and still another is being worked out on the computer. Technology for communications and entertainment as well as materials used for safety equipment and fuel efficiency are making new strides in innovations that customers want to see in their new car. Therefore, last year’s model left on the parking lot loses value, and the one you drove away and used loses value even quicker. The fact that you are now moving parts and putting wear and tear on the vehicle just speeds up the loss in value.
Your loan pays the amount down in a linear fashion. You create the loan to be a consistent debt you can pay over time. If you were to graph it, it would be a straight line sloping down. The degree of slope would depend on how many years your financed the car. The depreciation graph would look more like a steep slope that eventually slows down near the middle to end. If you graph the two lines on the same space for a five-year loan, somewhere around year three your loan value will equal then drop below the depreciated value of the car. If you were to get into an accident in the first year or two of the loan, you would cover the loan amount still owed above what the insurance company paid for the depreciated value. To insure against that get a quote on GAP insurance. GAP insurance will mean the cheapest car insurance you have for your new car won’t leave you without a car if you are in an accident that totals you auto.
Best 5 Kitchen Organization Resources
Weekly Menu Organizer
If you want to streamline meal planning, you need to possess a weekly menu organizer. You can get these on-line or you can just make a plain white board into a food organizer. Regardless of whether you are purchasing a menu organizer or developing your own, it should have places for: main dish, sides, recipe book and page numbers or on-line website with recipe, ingredients. As a way to make the best use of your planner, you ought to plan out your weekly foods all at the same time. It generally works greatest if you do this on a weekend day. Inspect your refrigerator, cupboards, and freezer for any ingredients you already have available that you could utilize. Placing your food organizer up in the kitchen will help you in staying away from the query “what’s for dinner” seeing as every person can observe the menu for the week.
This is a terrific kitchen organization aid for planning your visits to the store. You can obtain all of the ingredients that you must have for the week in one trip instead of several.
Organization Technique for Paper
Paper is frequently a dilemma in my kitchen so deciding the right way to get it under control is a priority. One kitchen organization method is to get a desktop filer. Place a file in it for each person or for each category of paper that comes into your kitchen. If your kitchen is apt to be the area of communication in your home, you can also have a bulletin board with areas for every individual in your house. By doing this communication, papers, and mail can simply be placed up on that individual’s bulletin board section. An alternative system you can utilize is a mailbox system. With this technique, each person has a mailbox in the kitchen that any papers go into. Discuss with your family to understand what method they would choose and which one they would really use.
A Method to Organize Utensils
Regardless of the way big or little your kitchen is, acquiring a utensil organizer helps you in discovering the cooking utensil you are trying to find easier. Utensils are best arranged in drawers so obtain a kitchen organization tool that allows you to divide out your cooking utensils in a drawer. A good method to organize utensils is either by type or by category. A method to organize it by function is by putting all spoons in one and all spatulas in another one. Arranging by category would be having often used utensils in one and possibly baking utensils in a different one. The greatest method is the one that makes it less difficult for you to locate what you need when you need it.
The only thing you must search for when selecting a spice organizer is one that will make it simple for you to find your spices. My personal preference is a two rack method that rotates. Does this sort of storage make sense for you? There are ones which are stepped and ones that hang up over a door. As with all kitchen organization, simply find one that works for your kitchen and the way you cook.
Organizing with Plastic
If you suppose that plastic containers are only for left over food, think again. Remember how you can use them to store dried things also. They function particularly well for things which you would otherwise have difficulty discovering. Some of the functions I have for plastic containers are for sugar, flour, and nuts. This makes it considerably quicker to measure for recipes and aids in keeping out bugs. Using this method I also don’t need to worry about finding a hole in the bag of sugar or flour. This way you can also avoid spills if someone by mistake knocks the container over while it is in the cupboard. Plastic containers are also stackable so they assist in creating additional room in your kitchen cabinets.