Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.
Consolidating policies
By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a ‘bulk buy’ discount.
Location
A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
Excess
By agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.
Your Vehicle
The cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance – you may be able to buy the car but can you afford to run it?
Mileage
You can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you'll then become uninsured!
Parking
Where you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.
Security
Security devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.
No Claims Discount
Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
Advanced driving skills
By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums. Two key variables NOT within the policyholder's control.
Your Sex.
Women are statistically less likely to have an accident and, if they do, it's less likely to be serious. Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.
Your Age
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
One final piece of advice.
A large percentage of car insurance is now sold on the Internet. That's because it's convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.
Thursday, December 23, 2010
Wednesday, December 22, 2010
Loss Of Use
What is loss of use?
The Claim Buser eBook will teach you how to make a claim for loss of use, how much to claim, and even provide you with an auto accident demand form to fill out and submit to the insurance adjuster handling your car accident.
Purchase you Claim Buster eBook today for only
Monday, December 20, 2010
Pet Insurance
It's one of the most difficult dilemmas a pet lover has to face…
You are at the vet's office, discussing the cost of treatment with your vet, and suddenly he lays it on you. The total cost of the treatment will be over $2,900…  You look at your spouse, and you are both silently thinking… "We can't afford this!"Because your pet is part of your family, your options seem very limited. After all these years of loving your pet, sadly, it all comes down to whether you can afford a $2,900 vet bill that might determine his fate. So you do what 92% of Americans are forced to do in this situation, you get out your credit cards and figure: “I'll pay it off later”. |
And now that you've put the vet's bill on your credit cards, you'll be paying double-digit interest on that vet bill, possibly for a lifetime.
But... It didn't have to be that way!
That's because if you had purchased pet insurance beforehand, most of that $2,900 bill would be reimbursed by your pet insurance company and you would NOT have to go into long-term debt for it!
If you've never had to deal with the above scenario, you're one of the lucky ones.
According to PetPlace.com, the total first-year costs of a dog can be as high as $1,825 - and yearly costs can be as much as $945.
A large chunk of your ordinary pet expenses are due to veterinary care: lab tests, physical exams, immunizations as well as internal and external parasite treatment and control.
Occasionally, however, a pet will fall victim to a more serious accident or suffer an unexpected illness that requires comprehensive medical care, or worse, surgery.
It is in these more-serious situations that a good pet insurance plan comes to your rescue...
You're probably on this site, because you've been researching pet insurance.
I realize it can be a confusing topic to the average person!
A simple Internet search will generate many results - but most of them are from pet insurance companies that just want to sell you their product, no questions asked.
But...
How do you know that their pet insurance plan offers the correct benefits for your pet's particular needs? How do you know that the pet insurer is stable and will be there to pay the veterinary claim when it counts the most, when your pet is injured or sick? And, most importantly, how do you know you're making the right pet insurance choice today for your pet's future? |
The bottom line is, you don't... Unless you do some serious research into the world of pet insurance!
Well, fortunately, I've done that serious pet insurance research for you and my research is available to you right here, right now. (Even if you're reading this at 11 PM on a Sunday night)
My name is Mike Riley and I work as an analyst for a leading pet insurance comparison / review website.
Not only do I take an unbiased approach to pet insurance, but I also do not recommend any one company over another. (That's because just as each pet is different, each pet insurance plan is also different) I cannot stress enough the importance of personalizing your pet insurance plan to your particular pet's needs - and that's what you will discover in this information.
My simple guide, "The Truth About Pet Insurance" will walk you through the sometimes intimidating world of pet insurance in a very easy-to-understand manner.
As soon as payment is made, you will be taken to the download page where you will be shown exactly how to save the e-book to your computer and begin benefiting from it, instantly.
You will know exactly which questions to ask of any pet insurance company, so that you can get the best coverage for your pet, period.
You know, insuring your pets - while critically important - is not something to be taken lightly. One wrong decision could end up costing you a tremendous amount of stress and thousands of dollars in unpaid vet claims!
“The Truth About Pet Insurance” includes the following intriguing details - details the pet insurance industry does not want you to know:
 | Where you can get pet insurance for as little as $10 a month! | |||||||||
| What is "economic euthanasia"? And how you can easily prevent it... | |||||||||
| The "hidden discount" you must know about that the pet insurance phone rep may not volunteer... | |||||||||
| The key pieces of information you must have to get your free pet insurance quotes | |||||||||
| Did you know - the number of pets insured in the United States (1.4 million) is increasing rapidly? Why this is a good thing for you | |||||||||
| Have an unusual pet? The amazing list of pets that can be covered by pet insurance - tortoises, hamsters, reptiles, alpacas, pigs and sheep (and many, many more!) | |||||||||
| Researched FACT SHEETS on 5 of the top pet insurance companies For example: The pet insurance company that covers a broad range of pets, including reptiles and exotic animals The pet insurer that is underwritten by Lloyd's of The only pet insurer that offers congenital and hereditary disease coverage with no dollar or time limits per condition Have a new puppy or kitten? The specialty pet insurer that offers incredible savings because they specialize in only insuring kittens and puppies under the age of one The pet insurer that offers the largest variety of plan choices The pet insurer that offers the highest lifetime limits - as high as $100,000 There is no way you can put a price on having peace of mind; the peace of mind that says:
Order "The Truth About Pet Insurance", our 45-page guide today and enjoy the peace of mind that comes with knowing you've taken excellent care of your pets! SPECIAL ONLY $9.97 
FREE BONUSES - LIMITED TIME ONLY!
and get ALL THREE FREE BONUSES For Only SPECIAL Only $9.97 I sincerely hope that you will take advantage of this offer to learn - in a quick and simple way - what you need to know about pet insurance - before you buy a plan! I believe you could not only save a lot of money, but more importantly you could rest assured that you are making a solid decision for your pets. | |||||||||
Self Employed Health Insurance
If you pay too much for your health insurance you probably have not checked all the details of your policy, but if you continue to pay for this overcharged policy month after month
you have only yourself to blame!
you have only yourself to blame!
FACT: So many self-employed people worry night and day about their lack of
a good health insurance policy so much that they don't really give very much thought about the details of what is a good policy.
a good health insurance policy so much that they don't really give very much thought about the details of what is a good policy.
Remember it's the health insurance policy that costs you month after month.even though you are rarely sick and don't file any claims.
FACT: When I complained over some of the more outrageous premiums some health insurance companies were wringing out of unsuspecting Policy holders
I had a Vice-President tell me there was this little known code of silence among underwriters about all the extra charges---his exact words were honor among thieves.
Well I say enough is enough!
Let me pause here and tell you what is really taking place.
(Former Health Insurance Executive pulls back the curtain.)
Whether you are a self-employed individual and or head of a family---I am going to show you how to get a health insurance policy without getting ripped off in extra charges, deposits, and other illegal rebating schemes.then I'll show you how to stay on top of your health needs and all the other details so your health insurance policy sets you free financially and with a new peace of mind.
Yes, that's a tall order and I know you're probably skeptical.
That's normal and healthy. Let me give you three good reasons I can back up what I claim:
Why should you listen to me?
Why should you listen to me?
First reason: Did you know that many health insurance providers can (and will) charge you so much extra in premiums and fees that they actually make more money than
the hospitals and doctors?
the hospitals and doctors?
As a 14 year veteran of the health insurance business I have seen a long list of practices that would make most people want to throw up their hands in disgust. I've seen health insurance underwriters charge buyers more dollars in premiums just to make a higher commission.
Yes, it is a sad situation but absolutely true!
Self-employed individuals have been taken advantage of just because they own their own business. And have been charged thousands of dollars extra because they work for themselves.
I got into the health insurance business to help people... not to take advantage of them.
I got so frustrated about it I decided to do something about it.
So that's why I wrote an ebook:
It helps you save up to $7,000 or more every year starting right now!
How to Buy Affordable Low Cost Self-Employed Health Insurance
It helps you save up to $7,000 or more every year starting right now!
Second reason: The valuable tips and methods in this ebook come right out of selling health
insurance in the field from town to town by the author who has actually been there. A veteran road warrior who made his living from commissions nothing else.
No salary no expense account and no company car. The hard cold fact was if you didn't sell anything you didn't eat sleep or drive very far on no commissions. Having worked in some of the most affluent counties and some of the most rural low income counties I have seen it all. I have been there..done that
and brought home a t-shirt that says:
The information in this ebook has helped literally thousands of self-employed people just like you to understand, evaluate and exercise their BEST OPTIONS in buying
a health insurance policy.
insurance in the field from town to town by the author who has actually been there. A veteran road warrior who made his living from commissions nothing else.
No salary no expense account and no company car. The hard cold fact was if you didn't sell anything you didn't eat sleep or drive very far on no commissions. Having worked in some of the most affluent counties and some of the most rural low income counties I have seen it all. I have been there..done that
and brought home a t-shirt that says:
This isn't the end of the world,
but you can see it from here!
but you can see it from here!
The information in this ebook has helped literally thousands of self-employed people just like you to understand, evaluate and exercise their BEST OPTIONS in buying
a health insurance policy.
You get all my experience from thousands of sold policies boiled down into one, simple-to-understand easy to read and use ebook for getting the lowest possible premium rate and the highest lifetime maximum coverage guaranteed renewable year after year.
Third Reason: This information in my ebook works no matter what your situation is as a self employed individual and or family with children. Whether you just recently became self-employed
or you have been self-employed for years. I don.t have anything to gain financially by which health insurance provider and plan you choose as a result of the advice in this ebook.
or you have been self-employed for years. I don.t have anything to gain financially by which health insurance provider and plan you choose as a result of the advice in this ebook.
Frankly, there was always something that rubbed me the wrong way about health insurance companies and their underwriters. It was always an unspoken thing that their advice always seemed to come back to the dollar amount of the premium and what would make them the most money. Never what was best for the policy holder.
Uprating the amount of the premium along with some other hidden costs because the buyer had some bad luck. health problems that would in turn make him or her a poor health risk is almost a common practice.
Uprating the amount of the premium along with some other hidden costs because the buyer had some bad luck. health problems that would in turn make him or her a poor health risk is almost a common practice.
And by the way...As you read this the most common behind the scenes story is that in the not too distant future most major companies will have canceled their former full paid or partially paid
employee health policies because they cannot afford to pay for the premiums. This means thousands will have to do exactly as self employed people do and that is get their own policy.
employee health policies because they cannot afford to pay for the premiums. This means thousands will have to do exactly as self employed people do and that is get their own policy.
Now is the time for you as a self employed independent contractor to find the very best health insurance policy before thousands more have their policies cancelled and have to go out on the regular market and shop for Insurance.
Because of this and other fast moving health insurance market upheavals.you must get this ebook to stay ahead of the changes and protect yourself and or your family
as a self employed individual.
as a self employed individual.
The most important questions to ask any health insurance provider:
1.Learn to ask the questions that put health insurance people on the spot and prevents them from using bait and switch to confuse you into paying higher premiums.
2. Understand just a few simple but very effective tips to avoid paying too much for your policy.
3. Keep more money in your bank account and out of the health insurance companies treasury unless you like giving all your dollars to a health insurance provider.
4. Discover the most valuable negotiating tool you have as a buyer.
5. Now you can get the same power position as a buyer who is paying for the entire annual cost of his health insurance and getting a discount.
6. Learn how to avoid being pushed, shoved and nudged into making a quick decision on your health insurance policy. Thanks to the internet you can make many accurate comparisons before you buy.
7. How to recognize a health insurance professional who sincerely wants to help you find the best policy and which ones either want to squeeze every last dollar out of you and doesn't care about you once he gets your money.
8. How to find out what is the right premium payment for the policy coverage you need and want?
9. How to save thousands of dollars after you sign for the health policy you like and need.
10.How to avoid making decisions based on your emotions instead of on fact which will save
you hundreds of dollars in extra costs.
You Will Also Learn The Following Information:
* Get the lowest possible health insurance policy for self-employed people like you in todays market.
* How to deal with health insurance agents.
* How to remember all the questions you need to ask them.
* Make sure you know how to choose the right health plan.
* How to compare costs with other providers. plans.
* What are the decisions you need to make.
* How many problems will you face. And much more!
* You will get this ebook packed from beginning to end with examples andmethods you need
to understand to make a sound decision on your health insurance policy.
to understand to make a sound decision on your health insurance policy.
* The complete ebook is downloaded digitally from the Internet ---so there's no waiting. You could be enjoying the benefits from this breakthrough Ebook within 5 minutes!
* I will also guarantee that you get AN incredible Bonus WORTH $50 OR MORE at no extra cost if you ACT NOW!
* I will also guarantee that you get AN incredible Bonus WORTH $50 OR MORE at no extra cost if you ACT NOW!
There is a lot of confusion about health insurance policies and what is happening to many people who have had their policy canceled and not renewed period!
You just can.t lose with my 100% no-risk,
56 Day Money-back guarantee!
56 Day Money-back guarantee!
The risk is something we gladly assume, since we know you'll realize just how valuable this ebook is to your future free of worrying about your health insurance coverage.
Your satisfaction is assured through our no risk, you-can't-lose, 100%, no-questions asked, money-back guarantee. If for any reason, you aren't thrilled and satisfied with this ebook, just send us an email within 56 days and we'll refund 100% of your purchase price.
No hard feelings!
Your satisfaction is assured through our no risk, you-can't-lose, 100%, no-questions asked, money-back guarantee. If for any reason, you aren't thrilled and satisfied with this ebook, just send us an email within 56 days and we'll refund 100% of your purchase price.
No hard feelings!
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