Auto Insurance Coverage – How Much Auto Insurance Should You Buy?

The question is – How much auto insurance coverage should I buy?

Well, the generic answer is: Buy as much as you can afford. But that’s not really helpful. That’s like a stockbroker telling you to buy low, sell high. Really, Auto Insurance coverage is a bundle of several different types of insurance. What you need to determine is – What are your needs?

Types of Auto Insurance Coverage

Well, we learned that BI (Bodily Injury) Auto Insurance covers the liability if you hit somebody else – what you would pay to them and how much insurance you have, to cover you for that loss. We’ve learned that UM (Uninsured Motors) covers injury that will be paid to you if you were hit by someone who doesn’t have enough auto insurance coverage. That means that they are Uninsured or Under-Insured. We also learned about PIP (Personal Injury Protection). That means, insurance you purchased to cover your medical payments.

State Limitations And Auto Insurance Coverage

The first thing you should do is determine – What are the limits which are required by your state? Each state has certain minimum requirements that you must have. Certain states require you to have PIP (Personal Injury Protection). That means you are required, to be a driver in that state, to hold that type of insurance. Others require you to have a certain minimum level of BI.

Not Just the Minimum Requirement

Now, when you purchase auto insurance coverage, you need to look past the minimums. Determine what assets you have. What are your needs? What medical insurance do you have and what might be your needs in the future?

Auto Insurance Coverage Considerations

Usually, you want to look at the following criteria:

1. The more assets you have, the more BI (Bodily insurance) you should purchase. If you have a state which has a lot of uninsured or under-insured motorists, you want to purchase UM. Remember that UM, under-insurance or uninsured motorists, protects you if you are hit by another driver and they don’t have enough auto insurance coverage.

2. Another thing you want to look at is your PIP. Most PIP (Personal Injury Protection) will pay 80% of the first $10,000. Many PIP Policies also offer deductibles. That means you’ve got to pay the first $2,000 out of pocket of your medical expenses.

3. Look at your PIP policy. You might want to augment that with some Med Pay or additional PIP coverage’s.

4. Also, on your UM. Since you are covering your person, get it to the highest levels that you can afford.

5. Other types of auto insurance coverage you might want to look at are your collision. What do you want to pay if your car is damaged or other personal property – that means the vehicle is damaged? If you’ve got a car that’s not worth a lot, you might want to consider waiving or not insuring your car for collision.

All of these decisions are personal and they cannot be made across the board. Sit down with your agent and discuss your personal needs. Remember, the most important thing you are to ensure is your person and your family. Therefore, focus on: UM, PIP, and Med Pay. Those are the types of things your agent will tell you which will cover you and your family if they are involved in an accident and are injured.

Top 7 Tips to Save on Auto Insurance

Now that the economic times are so tough, many people are in search of ways of cutting their expenditure. Most financial advisers recommend their clients to live within their means. However, when it comes to saving on auto insurance, many people find themselves absolutely clueless how save money and still get the right auto insurance policy. For those who have no idea how to save on auto insurance, they should consider the following top 7 tips:

1. Taking precautions

Taking precautions basically means people should do certain things that show the insurer that they are a no-risk client. Normally, the amount of risk posed by a potential insure to the insurer is reflected by their premiums. Insurance companies charge low premiums when they determine that a user will not main any or minimal claims in the future. Two ideal ways of taking precautions effectively include going for defensive driving lessons and getting a separate set of winter tires.

2. Purchasing in bulk

For those who have more than a single car, and they also need to insure their house or other property; they should get all these insurance policies from a single provider. Choosing lump-sum payments is another form of bulk buying. When settling on an insurer, thinking about how much payment will have to be made cumulatively is important. The longer the payment period, the more payment likely has to be made. So paying in bulk for insurances, including auto insurance, is a good way to save money too.

3. Cleaning up record

Those who want to save themselves from the exorbitant charges of their auto insurer, they should make sure that they got their end covered and protect themselves to avoid paying too much. Their insurability and their record will be influenced by certain options. The first thing that breaks or makes their bargain plea is their driving record. The driving record should be kept clean, without accidents and tickets. People can save up to at least 5% in auto insurance premium costs by keeping a clean license.

4. Lowering liability

Those who are not able to save on auto insurance in any other way; they should choose to shed off the unnecessary. There are several ways of cutting back. One of them is lowering the value of the car. The cost of repair is directly proportional to the value of the car. Avoiding extras on the car is another way of cutting back. When a claim is made, insurance companies try to scale it down as much as they can. Extras on the car are ignored this way, so wasting money for unnecessary claims should be avoided.

5. Using temporary covers

Using hire cars or rentals instead of the car that is insured is another way of saving on auto insurance. Another way of saving on auto insurance is to purchase a cover for 27 days.

6. Doing homework

Reviewing the reputation of the insurer is also very important when it comes to saving on auto insurance. Moreover, quotes should be compared and the lowest of all the quotes should be selected. Penalties can be avoided by sticking to a single insurer for a minimal period of time. Jumping to the next auto insurance becomes available is also a way of enjoying cheap auto insurance. However, it is not advisable to move from one insurance company to the other during the mid-policy term. By actually finish the term, many savings can also be availed. People should spend some time shopping around.

7. Evaluating the deductibles

When a claim is made, the deductible are what is paid up front. Some things should be considered before varying this amount. Knowing when to raise the deductible is important. Deductibles should definitely be raised by careful drivers if it causes the premiums to decrease significantly. Knowing when to lower the deductible is also important. If a claim is expected to be made in a year, how much premiums will be saved that year should be considered first. If it is less than what will be added to the deductible, then the deductible should be lowered.

Saving on auto insurance is not an easy thing to do, but following these top 7 unique tips will allow people to save on auto insurance effectively.

How to Get Your Best Auto Insurance Policy

You just have bought a car and you are wondering – what insurance premium can I expect for my vehicle? One fixed answer perfect for everyone doesn’t exist here. We are all different, so different will be our best individual auto insurance policies.

Getting your best auto insurance policy is a two-phase selection process:

  1. Deciding on what insurance provisions you really need.
  2. Choosing your auto insurance provider.

Phase 1 – Make You Decision on What Auto Insurance Provisions You Really Need.

· Road-side Assistance

If your car is not a new one you might find this feature very attractive as it could save you some money and a lot of nerves if your car gets broken in the middle of the road.

· Accident Forgiveness

Some insurance carriers offer accident forgiveness to its drivers. This valuable feature would protect your insurance rate from increase after your car gets involved into a traffic accident even if the accident was at your fault.

· Collision Coverage

With Collision Coverage your Insurance Company will pay even if the accident happened at your fault. Make sure that coverage is sufficient in funds, if not – you will be liable to pay the rest.

· Uninsured/Underinsured Motorist Coverage

With this feature in policy your Insurance Company will pay for injuries to you and all your passengers in the case of any traffic accident which happened at other motorist fault and that motorist had no insurance at all or had insufficient insurance.

· Deductible

Deductible is the amount of money you agree to pay from your pocket in the case of a traffic accident; the rest will be paid by your Insurance Company. Higher deductible always translates to lower insurance rates. However don’t over-indulge on this feature – it is you who will be requested to pay that money if anything happens.

· Medical Coverage

This feature defines how much money you will get in the case of your auto accident-related injury.

· Comprehensive Coverage

With this feature in policy your insurance company pays a damage repair to your car for the reasons other than a collision. This includes windstorm, hurricane, fire, theft, vandalism etc. This type of coverage is often required if you lease or use multi-year financing for your car, but it would also be very valuable for every driver who wants to get fully protected.

Phase 2 – Choose your auto insurance provider.

· Get a second opinion – use the word-of-mouth approach – ask colleagues, neighbors or friends, visit web forums or any other available channels to get an initial list of insurance provider candidates.

· Narrow it down to 5-10 short-listed insurance companies which you believe will meet your needs well.

· Visit your state’s “Department of Insurance” web site. Yes, many of us don’t know that fact, but every State has “Department of Insurance” which keeps track of insurance providers under state’s jurisdiction. Check consumer complaint ratio for each company in your short-listed companies list and narrow it down to 3-5 best candidates.

· Get your preliminary quotes for each insurance company in your short list.

To simplify this step use Get Instant Quote resources available for free in the Internet.

· Choose the final company with the best insurance policy for you and your vehicle.

Conclusion

With the detailed selection check list provided above getting the auto insurance policy which would be right for you becomes a relatively easy task.

Using the knowledge about insurance policies and their features covering you and your vehicle you will always be able to get the right decision. Protect yourself on the road and save your money in the case of auto accident by purchasing the right car insurance for you and your family.

Alvin Borsinger – web master and web marketing manager at CarGalaxies.com – a BorSystems Company.

The Secrets of Beautiful Skin Revealed For All the World to See – Get Beautiful Skin Today

Are you still searching for the secrets of beautiful skin? I am here to tell you that there is no secret. Having beautiful skin will only happen if you spend the time to take care of it and use the right natural skin care products. Some people were born with beautiful skin and because of genetics it followed them through the years, on the other hand most of us lose our smooth clear skin as we age.

Aging is inevitable, there is nothing we can do about it, however, you have some control on the way you look as you age. Your body loses its ability to produce sufficient collagen and elastin as you age leading to wrinkles, fine lines and sagging skin. Wouldn’t it be great to learn how to slow down the aging process and maintain beautiful skin?

Other factors that lead to unhealthy skin are: sun exposure without proper sunscreen protection, unhealthy diet, not drinking enough water, smoking and pollution. If you are able to implement a healthy lifestyle routine by taking care of your skin from the inside then you would have truly learnt the secrets of beautiful skin.

There are skin care products that can help build and maintain a high level of collagen and elastin and that is what I will talk about, those are my secrets.

Products containing natural ingredients that have been scientifically tested and proven to work using the latest skin rejuvenation technology are what you should be looking for. Read the label of any cosmetic product before purchasing and make sure they contain lots of natural substances in high concentration.

Here are some of the natural substances you should be using on your skin to attain beautiful skin.

Cynergy TK: This natural substance has been proven to stimulate your body to product more of its own natural collagen and elastin. As your collagen and elastin levels increase you will notice a reduction of your fine lines and wrinkles, it promotes firmness and elasticity and helps regenerate new skin cells.

Phytessence Wakame: A natural beauty preserver and powerful antioxidant. Used in Japan for centuries for its many health giving properties. Wakame is an extract of Japanese sea algae and is a great moisturizer too.

Avocado Oil: A natural antioxidant which provides your skin with essential nutrient for deep down rejuvenation. No skin care product should be without avocado and other natural oils.

Nano Lipobelle HEQ10: This is another powerful antioxidant. It is a new and improved version of COQ10. It has the ability to penetrate down through the many layers of the skin making it smooth, firm and elastic.

Knowing how to take care of your skin the right way will teach you that there are no secrets of beautiful skin. Just stick with a healthy lifestyle routine and use the best natural skin care products.

Educational Problem Solving

This article introduces the educational solutions module of the world’s most recent personal and professional problem solving site, describing competitive offerings, the customer profile, problem-oriented solutions, target markets, product offerings, and usability features. It concludes that the module is a major contribution to the information superhighway.

Introduction

The aim of this article is to introduce to the world the educational solutions module of the world’s most recent personal and professional problem solving site. The article is addressed to those readers who may have an educational problem bogging them and who may therefore be looking for a way out of their predicament. The reader may be a parent, child, or student.

It is a common fact of life that we all have problems and that we are often frustrated or we tend to lash out because of our inability to find accessible and reliable information about our problems. This specialist site fills this need – as our pragmatic friend for solving our educational problems.

To be of the greatest use to people a problem solving site must combine pragmatic discussions of their personal or professional problem with merchant products that provide more detailed information. Typically, the web site will provide free information in the form of news, articles, and advice, which direct the visitor on what to do to solve her problems. Complementing this, the web site will also provide merchant products which discuss in detail how the visitor can go about resolving her problem. This means that the most effective, visitor-oriented problem-solving site will be an information-packed commercial site – and so is the world’s most recent personal and professional problem solving site and its specialist sites.

The approach that we have adopted below is to describe competitive offerings, the customer profile, problem-oriented solutions, target markets, product offerings, and usability features.

Competitive Offerings

The following are the top educational sites on the Internet, along with their offerings.

US Department of Education. It defines the US education policy and provides information on financial aid, educational research and statistics, grants and contracts, and teaching and learning resources.

Educational Testing Service. It provides a range of test resources.

FunBrain.com. It provides educational games for K-8 kids.

PrimaryGames.com. It provides fun learning tools and games for kids.

GEM. It provides educational resources such as lesson plans and other teaching and learning resources.

Education World. It provides advice on lesson plans, professional development, and technology integration.

NASA Education Enterprise. It provides educational materials and information relating to space exploration.

Spartacus Educational. It is a British online encyclopedia that focuses on historical topics.

Department for Education and Skills. It is a UK government department site that offers information and advice on various educational and skills topics.

Times Educational Supplement. It offers teaching news, teaching & educational resources, and active forums to help UK teachers.
All these sites are useful in the domains that they cover. Their main limitations are as follows:

1. They tend to cover only a very narrow segment of the educational market.
2. They do not take as their starting point the daily educational needs of the typical family.
3. They lack a problem focus; i.e., they do not formulate the typical learning and educational problems that pupils, students, and parents face on a daily basis.
4. As a result of the preceding point, the solutions offered are not as incisive (i.e. as problem-centred) as they could be.
5. They do not offer merchant products that deepen the visitor’s understanding of her problem and of the consequent solutions.

The educational solutions module of the world’s most recent personal and professional problem solving site addresses these problems by targeting a multiplicity of market segments, adopting a customer profile that fits the typical education-pursuing family, considering the specific needs or problems that this family may face, offering incisive (problem-centred) solutions to the various problems, and offering a range of merchant products that deepen the visitor’s appreciation of her problems and of the solutions that are applicable to them.

Customer Profile

The customer profile or target visitor characteristics of the educational solutions module is the same as for all specialist sites of the world’s most recent personal and professional problem solving site. The site has been designed to meet the needs of visitors who have an educational problem bogging them. It is designed for both males and females, even though it is often convenient to refer to just one sex when writing.

This visitor uses search engines to research information about her personal or professional problem, with the intention of finding solutions to it. The visitor is serious about solving her problem and is therefore willing to buy products that help her to achieve her mission, provided that she can find reliable and honest information about relevant products so that she can make an informed decision about which ones to acquire. This information will help her to apply her finances economically, and hence avoid wasting money.

The visitor will want a money-back guarantee so that if a product does not live up to expectations or if she were misled into buying a product she can get a refund. Such a guarantee absolves her of purchase risks.

The visitor is intelligent (without necessarily being a genius), educated (without necessarily being a PhD), computer literate (without necessarily being a computer guru), and money-minded (without necessarily being a freebie hunter or an unemployed person). This of course does not mean that freebie hunters or unemployed persons cannot gain a thing from the site. To the contrary, there is a great deal of free information on the site. Just that it is hard to see how anyone can gain the full benefits of the site without buying products.

The visitor wants high quality information products (usually in digital form) and wants to pay the cheapest price for these (without paying so much emphasis on price that she compromises quality). The visitor also wants free bonus offers that are attached to the purchased goods.

The visitor is self-reliant and can cope on her own by reading, digesting, and applying advice about her problem until she solves it or discovers that she needs help from a professional, at which point her acquired knowledge will help her to reduce her consulting fees. As a result of the knowledge gained, the visitor will be able to assess consultants in order to avoid incompetent or fraudulent ones.

Problem-Centred Solutions

Our free solutions are organised in the form of pragmatic articles that are written by top experts. Each article addresses a specific daily problem, but does not go into detail. It explains the problem and tells the visitor what she must do to solve her problem. However, it does not tell the visitor how she must solve it – this is too much for an article. To find out about the how, the visitor must buy a product (usually an e-book or e-book set) that goes into greater depth.

The set of educational articles that we have chosen, to provide initial solution to a visitor’s problem are as follows:

Signs of a Gifted Child – Informs parents on how to identify whether or not their children are gifted.

Essential Parenting Lessons for Enriching Your Child’s Education – Teaches parents how to enhance their child’s education.

Using Positive Affirmations to Be a Better Student – Teaches students how to use positive affirmations to improve their performance.

They Are Just Afraid of Writing – Teaches writing skills to students

How Can Parents Encourage Their Children to Read? – Shows parents how they can improve their children’s reading skills.

Test Preparation Tutoring – Discusses the topic of tutoring students to prepare for tests or exams.

Test Taking Strategies – Discusses various strategies for taking and passing tests or exams

Playing and Winning the Scholarship Game – Describes how to win scholarships.

How to Get a Scholarship to a UK University – Describes how to win scholarships to a UK university.

Saving Money for College – Instructs students on how they can save money in preparation for college.

Student Loans: When Your Educational Dreams Can’t Compete with the Cost – Explains to students the benefits of a student loan.

Education Loans Can Fund a Higher Degree to Boost Your Career – Also explains to students the benefits of a student loan.

The Secret to US Department of Education Loans – Teaches students how to get a US DoE loan to finance their higher education.

Student Loan Consolidation – Save Money, Pay Less, Spend More – Explains to graduates how to make use of loan consolidation to reduce their student loan repayments.

Higher Education: Finding the Right College for You – Explains to students how to find the right college or university for their higher education studies.

Mobile Learning – An Alternative Worth Considering – Explains the concept of mobile learning and its place in education.

Online Degrees – Is Online Education Right for You? – Analyses the merits of online learning as compared to traditional learning.

An Online College Education Overview – Reviews the whole concept of online learning.

Finding the Right Quotation for Your Paper or Speech Online – Shows writers and speakers how to find the right quotation to use in their writings or speeches.

Collaboration: An Important Leadership Development Skill – Explores the useful concept of collaboration and its role in leadership development.

At the end of each article is a list of merchant products that supplement the article’s content. A link is also included for accessing the educational product catalogue.

Target Markets and Product Offerings

Now let us turn to the target markets and their associated product offerings. We have positioned the segments to address the various needs of a visitor over a period of time, and at any given time a customer may belong to one or more of the market segments. There are three general classes of products offered: ClickBank products, Google products, and eBay products. Google and eBay products are presented on each page of the site. ClickBank products are grouped into product categories that match the target markets. These categories and their markets are as follows.

Children and Parenting. This consists of visitors who want parenting solutions for improving their children’s upbringing. Their needs are met through the Children and Parenting section of the educational product catalogue.

Difficult Admissions. This consists of visitors who want to learn how to get admission into top universities. Their needs are met through the Difficult Admissions section of the educational product catalogue.

Esoteric Needs. This consists of visitors with unusual needs. Their needs are met through the Esoteric Needs section of the educational product catalogue.

Financial Aid. This consists of visitors looking for scholarships, grants, or loans. Their needs are met through the Financial Aid section of the educational product catalogue.

Leadership Skills. This consists of visitors looking to develop their leadership skills. Their needs are met through the Leadership Skills section of the educational product catalogue.

Learning. This consists of visitors who want to improve their learning ability. Their needs are met through the Learning section of the educational product catalogue.

Mental Speed. This consists of visitors who want to explode their mental speed. Their needs are met through the Mental Speed section of the educational product catalogue.

Positive Affirmations. This consists of visitors who want to transform their negative dispositions into a positive mindset in order to improve their performance. Their needs are met through the Positive Affirmations section of the educational product catalogue.

Speaking. This consists of visitors looking to improve their speaking skills. Their needs are met through the Speaking section of the educational product catalogue.

Tests and Exams. This consists of visitors looking to master exam technique. Their needs are met through the Tests and Exams section of the educational product catalogue.

Writing. This consists of visitors looking to improve their writing skills. Their needs are met through the Writing section of the educational product catalogue.

Usability Considerations

Usability has been enhanced to make it easy for the visitor to find solutions to her problem, by following these steps:

1. The first thing the visitor sees are a set of articles whose titles represent the specific problem area they address. The articles are accessed from the Educational Problem Solving menu of the navigation bar to the left of the screen or from the Educational Problem Solving main page. By scanning these articles the visitor can identify whether or not her problem is covered. If not the visitor can check the educational product catalogue through the Product Catalogues menu of the same navigation bar, to see whether a product exists that answers her query. If she finds nothing she knows that her problem is not addressed. She can proceed to the Related Sites pages, which are accessible from the left navigation bar.

2. If the visitor finds an article that addresses her problem then she can begin to explore that; at the end of the article she will find products that discuss her problem more deeply. She can also access the educational product catalogue through an article page.

Conclusion

This article has introduced the educational solutions module of the world’s most recent personal and professional problem solving site. The article has examined competitive offerings, the target customer profile, problem-oriented solutions, target markets, product offerings, and usability considerations. It concludes that the module is a major contribution to the information superhighway.

A A Agbormbai is the editor and webmaster of Personal and Professional Problem Solving – a web site that fills a vacuum on the Web. He has a PhD from Imperial College London and enjoys an interdisciplinary upbringing having worked or studied in aerospace engineering, information systems development, and management. The educational solutions module is one of many specialist sites of Personal and Professional Problem Solving.