29. February 2016 · Comments Off on Quoting the Safest Figures – Car Insurance Quotes · Categories: Car Insurance

The discussions and calculations regarding car insurance quotes has been a part and parcel of every car owner’s life in an attempt to ensure a more secure future for his car. All insurance policies and coverage details come down to the primary estimation of insurance quotes and the stability and viability of different insurance options available to a car owner depends on the insurance quote that is provided to him. In order to be a part of the best deals, and get the most value added services from your car insurance policies, it is extremely important to work upon the most suitable that caters to your personal needs.

The first thing that most car owners worry about after purchasing their dream vehicle is to get it properly ensured so that the expensive dreams do not shatter under one accidental moment of madness. However, in the hurry for proper insurance, many often go with the first deals offered to them without bothering to weigh down their options and compare car insurance quotes to get an idea of the best deals in the market. The wisest option under such a scenario would be to look at the value oriented benefits of multiple insurance rates and choose one that provides the most extensive coverage with an affordable premium payment.

Car insurances can often be quite expensive with steep upfront payments and a long tenure of periodic premiums. However, several insurance companies look up customer credit details and offer value added solutions ranging from reduced opening premium to a higher claim package in case of reimbursement. You can always compare the policies offered to you by all the companies and go for the most affordable insurance quotes that would not be a burden on your finances but would help provide you all the benefits of a premium coverage package.

Many experts advise potential car owners to keep a lot of secondary factors in mind while going through car insurance quotes comparison to come out with the most satisfying experience for their policies. Good car insurance is not only determined by affordable insurance quotes but their responsiveness to claims and the detailed amount of accidental coverage they provide to your car and car additions. A top notch support system to answer all your queries, and multiple centers all over allowing you to file your claims, are additional benefits that every car owner should look for before signing on the dotted line of the insurance papers.

Several online sites also offer the chance of calculations on the best car insurance policies and quotes based on your finances and payment details. However, it is more advisable to get in touch with your insurance agent immediately after purchase of the car to avail additional benefits and discounts.

Several car dealers also offer associated insurance with the purchase of new models. Some of the pre-existing offers might provide a lot of value for money schemes, but it is always wise for a potential car owner to sit down with a pen and paper, calculating quick car insurance quotes to get the best out of an auto insurance policy.

23. February 2016 · Comments Off on Know More About Types of Health Insurance Plans in Florida · Categories: Health Insurance

Individual, families, groups, and businesses need customized health insurance plans to ensure that they have to spend minimum out-of-the-pocket money for their healthcare needs. With the implementation of healthcare reforms, the options for buying health insurance are widened.

With the advent of internet technology, the concept of transparency of price is gaining momentum. Insurers in Florida health insurance are facing a compelling need of price transparency when they offer health insurance quotes to their clients. At the same time, application time and waiting time for health insurance has reduced significantly as compared to earlier times.

Types of health insurance plans offered in Florida
Apart from State and Federal governments’ sponsored program including Medicare, Medicaid, etc., there is an option of buying health insurance from private companies. Like many other states, health insurance plans in Florida are offered to the residents in traditional format. These could be classified as:

1. Individual health coverage
2. Family health coverage
3. Group insurance
4. Student health coverage
5. Dental health insurance
6. Low cost insurance
7. Low-income families insurance
8. Short-term insurance
9. Small business insurance

Companies offering health insurance Florida
Below is the list of health insurance companies offering health insurance to the residents of Florida:
• Aetna
• AMS
• Assurant
• Avalon Healthcare
• AvMed Health Plans
• Blue Cross and Blue Shield
• Celtic
• Cigna
• Coventry
• Golden Rule
• Humana One
• IAC
• Solera Dental
• Vista

Types of health plans offered in Florida

A lot of consumer end up having discount coupons, which sometimes are termed as health plans; however, it needs to be understood that these discount coupons are not insurance. To buy affordable health plans in Florida, consumers need to equip themselves with proper knowledge about the same.

Traditional categorization of health coverage in Florida offers indemnity and managed care health plans. Indemnity health plans have the insured file claims for reimbursement. While managed care health plans allow the providers to file claims for the insured person.

Managed care health plans are further categorized as HMO, PPO, and POS.

Impact of the Affordable Care Act on insurance in Florida
• 290,000 small businesses in Florida will be offered tax credits for offering health coverage to their employees.
• Medicare beneficiaries in Florida will be automatically mailed a check of $250 to defray the cost of their prescription drugs.
• Early retirees will be offered reinsurance options.
• Uninsured Floridians with pre-existing condition will have a huge boost with $351 million federal dollars made available to Florida starting July 1 to provide coverage.
• Like many other states, for the first time ever, Florida will have the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status.
• 8.8 million Floridians will no longer have to worry about lifetime limits on the coverage.
• Around 1.1 million individuals will not have to worry about getting dropped from coverage when they get sick.
• Children in Florida will be able to stay with their family insurance policy till the age of 26 years.

Costs involved in a health coverage plan in Florida

It is important to understand types of costs involved in a health coverage plan to make sure that Floridians have assessed everything before they finalize a health plan. We talk about the types of costs involved in a health coverage plan:

Premium-premium is the amount of money to be paid on monthly basis. Premium is the main cost that a health plan constitutes. It could vary from person to person and in plan to plan. It mainly depends on the age, gender, and health status of a consumer applying to get health coverage.

Deductible-deductible is the second major cost involved in a health plan. It is the amount of money that a consumer pays before the insurer actually begins to pay for the coverage. With higher deductibles, premium costs are reduced.

Coinsurance – coinsurance, as the name explains itself, is the amount of money that the consumer agrees to pay in percentage of the total cost of medical service after the deductible has been paid. Generally, it is usually 80/20 of the total value where 80% of the cost is paid by the insurance companies while the 20% is by the consumer.

Copay – copay is like coinsurance but it is not represented in percentage but in real value. Moreover, there is no consideration of deductibles in copays. Supposing a consumer needs to pay $70 per visit for the doctor: with copay, consumer will be paying $40 and the remaining $30 will be paid by the insurer. However, this copay facility will have some impact on the premium costs.

17. February 2016 · Comments Off on Tips on Getting the Lowest Car Insurance Rates · Categories: Car Insurance

Auto insurance is something that we have to buy whether we like it or not. Maybe you are looking for some ways to lower your car insurance premiums. There are some things you can do to find the lowest possible rates for you and your driving record. Here we want to take a look at some them here.

Your car insurance premiums are based mostly on why type of driver you are. The easiest way to have lower premiums is to be a good driver and have a good driving record. This means you have no tickets or accidents within the last five years. This requirement will vary from state to state, so check the insurance rating laws where you live and how they define a good driver.

There is nothing like competition to lower prices on goods and services, and with insurance this applies as well. Car insurance premiums will vary from company to company so you need to shop around to get the best deal. Try to get at least three to five quotes from different types of companies. Search in your town or region with local agents, and look online as well. You can also contact you state insurance department to get phone numbers of insurers in your area and on the web.

If you are purchasing a new car be aware that the type of car you end up getting will affect your insurance premiums. Your comprehensive and collision coverages will be based on the age of your car, its reliability record, how much it costs to repair it, and the overall price of the car new. Many companies will give you a discount if you have anti theft protection or daytime safety lights. You can get information on insurance friendly new cars from the Insurance Institute of Highway Safety.

The overall cost of your premiums will also be based on how much coverage you desire. The lower your deductibles are the higher the cost of your insurance. If you want to lower the cost of your insurance for your car you will have to have higher deductibles. For example, if you increase your deductible to one thousand dollars you can shave approximately forty percent on average off of your premiums. If you do choose to go with the larger deductibles make sure you have adequate savings to cover them in case you need them.

Many insurers will offer multi car or multi line discounts. If you have more than one car insured with the same agent or company they may give you a multi car discount. Likewise, if you have other coverages with the same agent or company like home owners insurance or renters insurance you may get a multi line discount. When you are shopping around check with each insurer to see if they offer these discounts.

Make sure you ask about low mileage discounts, and reduce coverage for older cars. Your car insurance premium will partly be based on how much you drive your car. If possible, you want to take your most expensive car and drive it the least. Another way to reduce mileage is to get involved with car pooling. Also, if you car is older it may not pay to have comprehensive coverage for it. A rule of thumb to use is if your car is worth less than ten times your yearly premium then it may not be cost effective to keep the coverage.

10. February 2016 · Comments Off on Finance Calculator – Sit Down and Count! · Categories: Finance

When borrowing money becomes a big necessity, finding a lender that would give you the amount you need is not enough. Although a lender is necessary, it doesn’t disregard the fact that you should be well informed on how the figures, rates, and numbers become as they are.

Most borrowers are like you. They rely on the computations given by their lenders- for obvious reason: they really don’t know how the numbers came into being. When the lender says: 1% increase on the interest rate is equivalent to $200 annually, they really do not bother to ask since it will complicate things and they really would not understand it anyway. (Well, what most borrowers are after is the loan not and the figures right?)

What should you do then?

There are a number of options you can go to if you decide to let yourself be informed with what is happening on the figures inside your loan. One, you can always utilize online finance calculators, which are readily available online. Most can be found of lending company websites. They are free and easy to use. All you have to do is to enter the amount of loan, the interest rate, and the number of month you are planning pay the loan back.

Another is the financial calculator. Unlike ordinary portable calculator, the financial calculator lets you know the number of payments in an ordinary annuity or in a loan. It also answers the amount of payments on investment plans and loans, determines the rates of (ROI) return of investments and interest rates on loan, and determines the current and future values of ordinary annuities or cash payments. Although using financial calculator can be complicated at first, especially if you are not properly oriented with the functions of the calculator itself, it can be a good tool to make sure that you get the right information about the money you have to pay back.

Finally, you can rely to the good old ask-your-broker method. While there maybe a risk involve here especially if you are borrowing for the first time, it can make your task easier. Let your broker explain to you how much you should pay if… say to lower your interest rate by a certain percentage or shorten the term of the loan. Speaking of the risks, broker may give you wrong information about the loan and can shoot the rate up without you knowing it. To avoid this from happening, go to a reputable lender- a lender with a long and standing reputation in the industry. Also, you can confirm the rates by checking it through the finance calculator available online.

The bottom line is, your money and property is at stake here and if you are not careful enough, you will be paying more that what you should. Using finance calculator will determine if you have the ability to pay the loan, the amount you should be paying for the term, and the interest rate and how it affects the loan.

Other benefits of finance calculator:

Compare rates easily. Using finance calculator makes your lender selection easier. This is because you can ask for different quotes from different loan companies and easily compare the rates using finance calculator. Tip: Make sure that you include the points, interest rate, processing fee, monthly amortization, down payment (if necessary), when comparing different quotes.

Plan monthly payments fast. Financial calculator will give you the detailed monthly payments against the amount of loan, the interest rate, and the length of terms. The good thing about this is that you will immediately know if you can afford the monthly financial obligation imposed by the loan. Once you know your monthly payments, you can plan your finances and allocate money from your future budget.

Smart shoppers have the attention to details whatever they are buying or in this case, borrowing. You need not pretend to be one but I tell you this: whether you are smart or not, it is a very good thing that you are able to identify if you are paying the right amount. So sit down and count; after all being neglectful with the details is not worth the risk.

02. February 2016 · Comments Off on How to Cut the Cost of Car Insurance · Categories: Car Insurance

Less desirable and low value cars are cheaper to insure

When I was 17 I wanted to own a Ferrari and live life in the fast lane. Even if I could have afforded the car, then I couldn’t have afforded the insurance to cover it. At 17 you are brand new to the world of driving and statistically you are more likely to make an insurance claim. Mixing high-powered cars with inexperienced drivers is not something car insurance companies are super-keen about, the chance of a claim shoots through the roof with the price of the premium following it. When you are young and inexperienced, buy a low-powered, low value car to try and keep your car insurance premium to a minimum. If it is worth less then it will cost less to fix/replace when in your youthful exuberance you crash it. The same logic actually applies to everyone, the lower the value of the vehicle and the lower the car insurance policy will be in most cases. Sports and premium cars will always cost more to repair in an accident so the insurance will reflect this. New cars now feature myriads of anti-theft and driver aids that in many cases will help to reduce the cost of insurance so keep an eye on the spec sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.

Age is a concern

I mentioned it above and it bears repeating. Generally the younger you are the higher your car insurance premium. This is down to inexperience and the youthful belief that bad things will never happen to you. The statistics say otherwise, which is often a shock to an unsuspecting young driver who ends up in a crash wondering how it happened to him…Driving experience and age are usually linked and that leads to a method of reducing your insurance premium – whatever age you are you will benefit from advanced driving courses and many car insurers offer discounts for these qualifications. It may only be a five – 10 per cent saving for the course but on a premium of £1000 it’s worth having the saving and it will remain with you for years, so it should be a good investment, not to mention make you a better driver.

Keep adding to the no-claims bonus

The more years you can accumulate without making a claim the better as most car insurers will offer a discount on your insurance for this. Effectively you are proving you are good business to have and because you haven’t made any claims then you are a good risk for them to underwrite. There’s nothing you can do here but keep your nose clean and don’t make a claim. If you own a low value vehicle and dent it parking, you’d be advised not to make a claim on comprehensive insurance because it would reduce your no-claims bonus, likely to be for a small amount of money and you may even end up paying for most of it depending on excess. In that case, provided you have not caused damage to any other vehicles or property, keep quiet, fix it yourself and your saving on no-claims bonus will be sweet the following year – in time, when you have built up three or more years no-claims bonus, you can actually protect your bonus, meaning even if you make a subsequent claim you will not lose your bonus.

Convictions aren’t cool

If you are an inner-city teenager then an ASBO may be a badge of honour. Insurers are less impressed by convictions though, so it is best to avoid them if you can. Minor speeding offences are certainly not in the same category as serial killer though, so if you have a couple of points it will not be the end of the world or have a major influence on your premium depending on the insurer.

If you’ve got a garage, use it

What are garages for? If you ask the average person they’ll probably say for storing all the kids’ toys, the home gym, bicycles, the freezer and tumble-dryer. I have news for you all; the garage is designed to house your vehicle when you are not using it. The fact that it puts a physical barrier between any opportunist thieves and your car is a real good thing and car insurance companies will recognise this and reduce your premium if you park in a garage overnight. Using your garage will save you money; it doesn’t get any easier than that.

Anti-theft devices

Most modern cars come with immobiliser and alarms factory fitted and if you notify your insurer it will check to make sure they are to approved standards and will apply discounts if applicable. You can get other devices that slosh around in the passenger footwell until you park and then fix to generally your steering wheel or gear-stick. These are mechanical devices and some do attract further discounts if used, just do your homework before buying. Thatcham is the organisation which grades security devices and generally a decent mechanical security device will feature its Thatcham approval very prominently along with any premium discounts you may expect, so choose carefully.

Use a reputable broker

Car insurance is very big business with around 30million+ vehicles on the UK roads, so there is a wealth of car insurance companies to choose from. Ironically, the big names you are familiar with are probably in your head because of massive marketing campaigns on television, on-line etc. Regardless of the message, those marketing campaigns need to be paid for and that means they may not actually have the best rates, although the sheer scale of some of these businesses means prices will be keen due to buying or underwriting power. The best advice is to compare a couple of different prices from different companies. Call the insurer and then call a comparable competitor and then perhaps a small car insurance broker. Each one will ask you if you have a price already and you should tell them what it is. Generally if they want the business they know what to beat. The moment you get a broker saying they can’t match the price then you are probably close to the best market price or else speaking with a broker that is not a specialist in the area.

A word of caution on price comparison sites

There are plenty of price comparison sites around which promise to drive the cost of your insurance policy down – Money Supermarket, Go Compare, Confused etc. They certainly do help reduce the cost of insurance as most of the major players are fighting for business on the same platform. Where these price comparison sites do not perform so well is actually advising you on the sort of policy that’s best for you or your car. Would comprehensive be cheaper and more suitable than third party fire and theft? The point is you cannot ask the price comparison site for any advice, that’s where car specialist brokers have the edge. Compare it to buying a new house, would you buy one without a survey? You might and then when it subsides into the sea you’ll be praying your insurance will cover it…the point is you shouldn’t buy insurance without talking with an expert either.

Pick up the phone

The internet is a great shopping and selling tool, you know my feelings on that from previous articles…but I suggest if you speak to a real person at a brokerage then you have a much better chance of getting cheaper car insurance. They can ask more questions, clarify your requirements and if needed they can even delegate the rate (set the price themselves) if they really want the business. There is no substitute for human contact, just make sure you speak to at least three different brokers to get a true comparison.

Got a nice postcode?

If you live in a postcode where there are few thefts and claims then your insurance premium will be lower than living somewhere that is a known crime hotspot. If you can afford it, move to a posh area and you’ll benefit from lower insurance premiums. Not the easiest way to save on the cost of insurance for sure…

Mileage and use

The more miles you drive the more chance you have of being involved in a claim. It’s simple statistics. The fewer miles covered, the less your insurance premium should cost. Don’t tell lies though, if you exceed the stated mileage by a distance then it could invalidate your insurance.

Married with kids?

Insurers like selling car insurance to married couples mortgaged and with kids and jobs. You are very easy to credit check and generally display responsible behaviour which hints at a lower risk for the insurer. That can reduce your car insurance quote.

Don’t modify your car

We all see the bling bling cars that haunt Supermarket car-parks late at night and whether you like the tacky neon colours and loud exhausts is neither here nor there – the fact is that any sort of modification is likely to hike your car insurance premium. Modifications can draw attention, invalidate warranties and in the case of loud exhausts, can also be illegal (if above the noise limit). If illegal, then it could invalidate your insurance as well. The fact is that car manufacturers spend a lot of time developing their products so they work well and if you modify them then it’s all out the window and your insurer will be scratching his head wondering what he should charge – and it will almost always be more than a standard vehicle.

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