Very Cheap Auto Insurance -Tips That Guarantee Affordable Car Insurance Rates

http://q4l.org/ Get proven tips that will help you save up to 50% on all your policies.
There are a lot of factors you have to take into consideration if you plan to attract very cheap auto insurance rates. Here are some of them…

1. Good drivers get a special discount known as the good driver discount. If you have stayed claims-free for more than three years, you are entitled to this discount. http://www.youtube.com/watch?v=MrXlg4xjgik

What if your insurer refuses to give you this discount?

Then tell them you will move over to another insurer. Any driver with a history as good as yours shouldn’t have any problems getting much lower rates — You are every insurer’s dream.

The mere threat of leaving should make them shift grounds. But if they don’t, look for another insurer.

2. Where you leave is also very important if you want to get more affordable rates. That’s why insurers will always ask for your zip code.

Accidents are far more likely in densely populated cities than rural areas. The same also applies to things like break ins and vandalism.

Different areas in the same city also have different risk threats: Car theft rate (especially for your particular vehicle), crash rate and so on.

Therefore, check things like these if you are shopping for a new home

3. Go for the minimum bodily injury liability coverage stipulated by your state’s law if you want to get very cheap auto insurance rates. However, in addition, get an umbrella policy.

An umbrella policy gives you far more liability coverage per dollar spent than even the most extensive liability coverage within an auto insurance policy. An example will buttress this point…

Let’s assume that a man of about 35 years (who lives in New York City) wants to increase his policy’s bodily injury liability coverage of ,000/,000 to 0,000/0,000…

He’ll have to spend about 0 extra in premium.

But compare this to the fact that he could get a million umbrella policy for just less than 0.

It even gets better…

If he chooses to raise the coverage amount of his umbrella policy to million dollars, he’ll only have to pay only more.

That’s 5 for million worth of liability coverage!

See? That’s superior coverage at a much cheaper rate — That’s the advantage in adding an umbrella policy instead.

But why should you care about bodily in an auto insurance policy? http://www.youtube.com/watch?v=1xvyqMLtMhw

People get hurt in accidents. And you will be responsible for the claims awarded if you are found to be at fault. Claims awarded could get into the million dollar range and above in certain cases

And did you know that lawyers can go after your assets if you don’t have enough liability coverage to take care of claims awarded against you? This means you could easily lose your life savings and even your home if you don’t have the right protection.

But that’s NOT all about the benefits associated with an umbrella policy…

…You also get liability coverage that extends beyond automobile related liability claims. An umbrella policy extends to your home and much more

4. Belonging to certain professions attracts a discount. An engineer, for example, attracts much cheaper car insurance rates than an engineer. The reason for such discounts is that some professions have been proven to be better risks

Your agent is in a good position to tell you if your occupation is eligible for certain discounts. Nevertheless, the discount you’ll be given varies from company to company

5. Maintaining more than one policy with the same carrier also attracts remarkable savings. All you must do to qualify for this is to purchase your auto insurance policy from the same insurance carrier who is underwriting, say, your home insurance.

However, take note of the following…

Because an insurance provider gave you cheap rates for one policy doesn’t mean they will for another. Do some research with quotes sites and then discuss with your agent. Thereafter, you’ll be sure as you make your choice because you’ll then know which is more beneficial

Get and compare cheap rate quotes from many top insurers in a few minutes at Q4L.org. Also get more time-tested tips there

The Diabetics Guide To Obtaining Life Insurance

Diabetes is a worldwide epidemic that has affected many. In the US alone, there are more than one million people who have been diagnosed. The good things about this is that diabetes is quite manageable, and many people lead active, regular lives, despite having the disease. Eating well, taking prescription medication and being physically active will help extend the life of diabetics. With that being said, many life insurance companies still refuse to offer them coverage.

diabetic life insuranceThe reality is that many people with diabetes do not have their condition under control. Since this can be life-threatening, it makes the insurance companies view them as a liability. This is not fair, especially since this means healthy diabetics are denied coverage as well.

Getting Affordable Life Insurance for Diabetics

There are TV commercials that offer great drop-down rates on insurance, but in most cases these do not apply to people with diabetes. It is difficult to find good coverage, but this does not mean it is not a possibility. They key is to do like others who apply for insurance and shop around. The best way to qualify for a great policy would be to show insurance carriers that your condition is well managed.

Generally, you will be required to meet certain requirements before coverage will be extended to you. These may include:

  • Staying away from alcohol and cigarettes, while maintaining a healthy body weight.
  • Visiting your physician regularly and keeping your blood sugar levels in check.
  • You should be generally in good health besides the fact that you have diabetes.

As was mentioned a bit earlier, it is important to comparison shop when seeking insurance. The first thing you should do is head over to DiabetesLifeSolutions.com and get a set of life insurance quote for diabetics.  You can then narrow down exactly what you are looking for and do a little bit of research that can lead to you obtaining a policy and having a solid peace of mind.

Obtaining Life Insurance

Most people would not enjoy paying for a life insurance policy, and a majority of them would naturally cancel such policy at a certain stage in their life. Since life insurance premiums could be somewhat expensive, it is quite natural for people to wonder if it is better to invest the money on something tangible than life insurance. But, before you decide to cancel your life insurance policy stop and pay attention to what might happen to your loved ones if you were to die suddenly or become incapacitated. Especially, if you are the sole breadwinner of your family, a life insurance policy is a must for you.

term life insurance quotesNo one would like to die prematurely, but there is no one on earth who is able to avoid death. What if you are involved in an accident which leads to your premature death. A life insurance cover would help your family in such circumstances by paying for your funeral and related expenses. Sure, thinking about one’s own mortality may not be pleasant at all, but it is important to plan for such emergencies. The last thing imaginable is to leave your loved ones in a financial mess during a traumatic period for them.

Most of the life insurance policies will cover more than the burial and funeral costs. They would protect your family’s expenses for a year or more after you have departed from this world. This period would suffice for your family to find new avenues of income for their future.

Good Term Life Insurance Rates

You can always shop around and compare costs at websites like InsureNow365.com when purchasing a life insurance policy. A non-smoking healthy person, who is not employed in a high risk environment, would be able to get a life insurance policy on very competitive terms. There are plenty of options that offer extremely competitive rates for such people. A small amount of money invested in a life insurance policy will give you and your loved ones a peace of mind for ever.

The Top 3 Financial Tips For Succeeding Financially In Life

Nobody ever wants to struggle financially in life, but the sad truth is that many, many people go through life working hard, spending their money and then feel guilty about how they’re handling their money. In this article, we’re going to highlight the three basic tips for succeeding financially in life.

1. Know what triggers you to spend 

While it’s believed to be more common in women than in men, emotional spending is the one thing in life that causes people to over spend and even rack up credit card debt. If you’re prone to spending double lattes or go on a shopping spree, take the time to ask yourself what triggers you to do so. It could be stress or it could be because you are depressed. Whatever it is, make sure you’re aware of it.

2. Prioritize debt payments  

If you have payday loans or credit card debts, prioritize getting their payments because those debts have ridiculously high interest rates and your hundred dollar debt could quickly balloon into thousands of dollars. If you’re having difficulty making monthly payments, talk with your creditors about a monthly payment schedule that won’t affect your monthly expenses.

3. Spend less than you earn or earn more money 

If you want to sleep better at night, there are really just two ways to become financially free – either you spend less than you earn or you earn more money. Either way will cause you to have extra money that you can save to invest in financial instruments like bonds, stocks, futures, etc. To help you curb your spending, keep a spending diary where you list what you spent on during the day. You’d be surprised at the number of unnecessary expenses you incur. 

The tips we mentioned above are the most basic tips yet they are also the most difficult to follow. But with persistence and consistent effort, those tips should become second nature to you.