Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

The Brilliance of “Design Your Own” Engagement Rings

There are few moments in life more exciting or more beautiful than that moment when two people decide to spend the rest their lives together. And when you design your own engagement rings as a keepsake token of that special moment, you’re creating a memory that will last a lifetime.

Designing your own engagement rings is a whole lot easier than you might initially think. In today’s world, many people are looking for more creative ways to express their love and devotion to another and, even though an engagement ring is certainly a very traditional token of this intent, when you design it yourself it adds a certain sentimental twist to the gesture. Not only that, but designing your own engagement ring is a good way to ensure uniqueness, as well as a good fit with her personal style. Now, you might be thinking, but I’m not a jeweler! I can’t design custom jewelry! But here’s the good news…you don’t have to have a high level of expertise or even fashion sense to design great diamond rings. You simply have to be able to choose and put together the elements you like from a selection of loose diamonds and ring settings. Here’s how the process of designing your own engagement rings works:

Step 1: Choose a Diamond
You will be presented with an array of loose diamonds from which to choose for your solitaire. Loose diamonds come in all shapes and sizes, and your search will be made infinitely easier if you take a moment to filter your diamond criteria by cut, carat, color and clarity. If you like, you can also filter your diamond search results by price, ensuring that you are only seeing the loose diamonds that fit into your specified budget.

Step 2: Choose a Setting
You’ve found the perfect diamond solitaire. Now, it’s time to choose a setting. Yellow gold, white gold and platinum are typical metal choices for the settings on diamond rings. Beyond that, a four- or six-prong arrangement will be recommended for securing the stone itself. And just like that, you’re almost done. Almost…

Step 3: Making it Your Own with Diamond Accents
That’s all it takes to put together beautiful diamond rings, but if you really want to dazzle her with a unique and distinctive piece of jewelry of your own design, then you need to take the process just one step further. Diamond accents add that extra touch of class and style that set custom engagement rings apart from the crowd; a token of your love that she’ll look upon fondly every day from this moment on.

It’s easy to design your own engagement rings and, when you see the look of joy and amazement on her face, you’ll know – without a doubt – that it was worth the extra effort involved in designing her ring yourself.

Tips to Set-Up Your Own Company As a Foreigner

There’s nothing like setting up an offshore company, but you also need to understand the limitations you have. The primary restriction being the laws in the foreign country, you will need to make sure the support of a legal expert. Though you can read articles and books on the business laws of your desired country, the chances of knowing them all are less.

Law, as you may know, is ever-changing and you can’t really do much about it other than keeping yourself updated with the nitty-gritty. Therefore, you must have a trusted legal partner with you who will work for your interest. Here are a few tips to help you find a good legal expert;

· Review Online Listings of the Lawyers: There are websites that give free reviews of the businesses.

· Ask for Recommendations and Referrals: Speak to your friends and family members who have had recently worked with lawyers. Ask them who they hired, what kind of service they have opted for and where they happy with the services. It is equally important to ask whether they would recommend.

· Make a List of Potential Attorneys: While doing so, jot down the attorney’s name, contact number, address and website address. This way you can organize your search.

· Review Attorney’s Website: Every website usually provides information about each attorney who is working for the firm. It is suggested to check the attorneys’ educational background as well as the work history. Typically, you should seek a lawyer with at least 3 to 5 years of experience in practicing the kind of law you need help with.

· Write out Questions about the Lawyer’s Practice: Generally, you will find the basic information about the lawyers online, say such as; how long she/he has worked and/or where and when she/he went to the law school. But there are certain areas that you will need asking questions; like not every firm states their pricing online as that may vary from one lawyer to another.

Plus you will need to know about the time frame, right? You should ask them a tentative time period for the delivery of work. Similarly, you need to ask about their availability. Ask how quickly the attorney can start working on your assignment and then decide so.

· Bring Documents to the Meeting: If you have fixed a meeting with the lawyer, he/she may ask you to bring the documents. Make sure you have them with you. Show it to the lawyer so that he can have a better understanding of your situation.