09 JunAlways get multiple car insurance quotes

The insurance companies will always reward you for driving less. If you rarely put wheels on the road, the chances of a claim are small and all your premium will be “profit to the insurer. So how does this work? In theory, it could not be more simple. The insurance company looks at who you are, when you drive and where you drive in deciding how much of a risk you represent. If you live 50 miles from your work and have a daily commute along a busy Interstate, the chances of an accident are high. But if you live on a bus route to work and only use your vehicle for odd journeys at off-peak times, the chances of an accident are small. When you answer the questionnaire, you will see questions covering these possibilities. Remember, if you get caught out in dishonest answers, the insurer will cancel your policy and leave you without any coverage.

The first question is where you live. Although some states like California have outlawed setting rates according to your zip code, the majority of companies focus on your home address. If there’s a high accident or theft rate among people living in your area, you will all pay a higher premium. The only choice, if you can afford it, is to live some place where the crime and accidents rates are lower. You look for the middle ground between the worst inner city crime hot spot and a house on the prairie where you never see another vehicle from one day’s end to the next. All the discounts favor drivers who only drive off-peak during the day, and restrict their annual mileage. No more late night and early morning driving when the majority of other drivers may be tired or affected by alcohol and/or drugs. This raises the question of monitoring. It’s easy to answer the questionnaire and claim the maximum discounts. But the trend among insurers is to ask people to drop their vehicle in for a regular inspection of the recorded mileage. The maximum discounts are given to the drivers who agree to devices being installed which collect all the data on driving and transmit it to the insurers. These devices have a GPS element that records where you drive, the time and, in some cases, some measurement of the quality of your driving, e.g. how often you brake. The reward for accepting this invasion of your privacy can be discounts of up to 25% on top of the usual discounts. Obviously, it’s not a good idea to use your own vehicle to rob a bank since the insurance company will know you were there.

This set of discounts is somewhat frustrating. In the larger cities with well-developed public transport, it’s usually not too much trouble to get where you want on time without using your own vehicle. Assuming your vehicle is safely in a garage to reduce the risk of theft, you should break even or better, i.e. what you save on the insurance pays for your use of buses and trains. But the most of the US has poor public transport, so there’s little choice. Remember the car insurance quotes are not the final word. Call the company, explain your circumstances and discuss how you might qualify for discounts. In discussion, you often discover options not included in the website. So, treat the car insurance quotes as the opening offer and start negotiating. Investing a little time often saves you money.

09 JunAuto insurance quotes – investigate and question them

With Alice back in Wonderland thanks to Tim Burton, we continue this series of articles on how to earn discounts when insuring your vehicle. This time, the trip down the rabbit hole (or through the looking glass as you prefer), deals with the practicality of your use of private transport. Remember the insurance companies want as little risk as possible so they prefer you to have the vehicle parked on your front yard where you admire it from a distance and, when it gets dusty, wash and polish it. In short, the less you drive, the more you save. So lets see how it works. There are three times during the day when accidents are more likely. These are the two main periods for commuting to and from work, and the late night and early morning when driving is often associated with alcohol and other “substances”. The statistics show the more vehicles there are on the road around you, the greater the chance one will collide with another. At peak times for commuters, the roads are suddenly full and the risks of accidents are high. Now change the weather from sunshine and gentle breezes to the first ice and snow of the winter. The majority of drivers have forgotten the risks, made no advance preparations and find themselves on a skating rink without any way of stopping in a hurry. The accident rate goes sky high until people relearn their winter driving skills. At night, its the reverse problem. From 11 p.m. through to the early hours, there are fewer vehicles on the road, but the majority of drivers may be less alert. At best, this is simple tiredness. At worst, its substance abuse and you are in the way.

So, if you agree not to drive at the most dangerous times, you get a discount. For the same reason, agreeing to restrict your mileage also earns a discount. If you only drive a few miles every now and again, the chances of you being involved in an accident are small. The lower the mileage you accept, the better the discount. For the same reasoning, where you drive affects the premium. Although the practice is outlawed in some states, your zip code sets the tone for the premium rate. Some areas of the cities and larger towns are statistically more accident-prone. Equally, if you live in a wilderness area or in a remote part of the prairies, you can go miles without ever seeing another vehicle. Collisions are therefore rare, although some trees are known to throw caution to the wind when crossing the road. Be honest with yourself. Do you have to use the vehicle? Yes, it may be slightly inconvenient to use public transport but, if you are saving money on your insurance, you can be safer and better off financially.

In an earlier article, we mentioned the problem of fraud. The biggest discounts are given to those prepared to prove their honesty. Check the auto insurance quotes for those companies offering monitoring, whether face-to-face or through technology. Some companies ask you to call in once a month to prove your mileage is within limits. Others have devices to fit into your vehicles that monitor when, where and how you drive. This information is then routinely transmitted to the insurer. Sure Big Brother is watching but, if this saves you big dollars, its worth searching through the auto insurance quotes to find these offers.

26 NovHoliday Ideas To Beat The Credit Crunch

new credit crunch

Holidays Ideas to beat the credit crunch

We are going to consider some holiday ideas to beat the credit crunch,  because despite the economic gloom research (from Sainsbury’s Travel Insurance) reveals nearly 28 per cent of the adult population will book a holiday between Christmas and the end of February 2009. Even for those of us on a miniscule budget there are still ways to get away, but you have to be that bit more canny and flexible.

First principle is decide on a budget and stick to it. Get an overall budget that you want to spend by the time you’re back.  There are so many ways to do travel: packages, all inclusive, no board, full board, separate flights and accommodation and types of holiday too many to mention in one place, that this is the only way to make some rational choices where cost is a driving factor. Once you have an overall budget then break it down, for example:

Flights  (& airport taxes + supplements) or ferries Airport parking or transfers or airport  hotel Accommodation Food  & drink (don’t forget with the fall in Sterling these are going to be 25%-30% up on last year – take the upper figure as it may slide more) Recreation and trips (car hire) Souvenirs + duty free travel insurance (New clothes or other essential to buy before you go  – sunscreen) Hidden charges and extras

This will help you compare radically different types of holidays and force you to think about the total cost of  different options.

 It is also worth point out:  don’t assume there will be better bargains later.  I haven’t heard any tour operator crowing about how well bookings are holding up in the current conditions.  This may mean that sphincters are starting to twitch and they want to fill some places now to avoid a huge glut of unsold holidays later.  They will also have taken out some capacity, and things could still be busy at peak times.  So start hunting now there are plenty of bargains.

Holiday  Bargain Ideas

There are obvious ways of saving money on going away – such as going for less time or downgrading -  but why compromise when you can try and get a bargain.   In these times haggling is the new black so bear in mind people will expect to negotiate and that makes it easier. 

Therefore if you are booking accommodation – haggle.   Go online get a price then try a phone call to the hotel. Even if they will not drop their rate will see if you can get an upgrade . they may chuck in breakfast or some other goodies.  Ask about transfers to/from the airport? 

Big Tip: from first hand experience.  Don’t make the mistake of concentrating on only one element such as accommodation.  We looked at loads of villas, found one we liked on an island we liked and booked it.  Then we looked for flights – these were eye wateringingly expensive, even on a budget carrier.  Especially true at peak times.  It more than wiped out any saving we’d have from doing a package.  The same goes in reverse, just because there are cheap flights don’t assume you can go and find cheap accommodation.  However as a rule of thumb the price of flights goes up nearer to the time of the flight and the price of accommodation goes down, so if you are going to bet then book flights first!

 Holiday ideas  – Think laterally

Instead of going with a big operator – look out for villas or holiday cottages advertised locally – by the owner.  The price to you is going to be lower where you are not paying for the profit margin and marketing of a big operator.  Bear in mind however there are more risks – you will have to pay in cash and have much less comeback if anything is wrong.  A friend got an excellent villa in Florida for his extended family from an ad in the local free magazine, just down the road from Disney and it all went without a hitch.  Also look out for adverts on noticeboards or on the intranet at work.

 Major crunch busting holiday ideas

With the pound plummeting and many more out of work or feeling vulnerable this could be an excellent time to find out the delights of staying in Britain and Ireland.

It could be a really good year to acquaint the kids with camping.  Its adventurous and fun and the kids get into it really easily.  We’ve already been out and bought a tent at the end of last season and some sleeping bags so we were able to get a really good bargain.  The two kids are always talking about when are we going to go camping.  With air mattresses to cushion the old bones you don’t need to suffer (too much).  You can always start gently with a long weekend away.

This could be a chance to pass on all those camping skills you learnt in the scouts or guides.  Even if you didn’t (learn any), The Adventure book for boys (and girls) is all the rage now. 

If you have slightly older children another major crunch busting idea is cycling or walking holiday.  Don’t laugh its not as daft as it seems.  The Youth Hostel Association runs hundreds of establishment  all over the country (250 locations in the UK alone) but especially in our National Parks (but also Cities).  I thought that these were just for teenagers/youths, but that isn’t true.  Anyone can join for a modest annual outlay (£22.95 will cover 2 adults and all children at the same address)  and the accommodation is cheap, clean and generally everyone is very friendly.  It is a great experience for kids.  If you are forever moaning that your teenage kids never get out and do any exercise then don’t dismiss these they can be great family oriented holidays.  Let the kids plan some of the outing and even navigate – a great way to learn these skills

If you still want to go abroad the International YHA has over 4000 establishments at exceptionally good value for money prices and your UK membership will cover you for these too.

Fix your holiday Outlay before you go.

One of the best ways of keeping to a budget is to know exactly what all you main outlays are going to be up front. Therefore from this point of view an all inclusive or full board holiday is a really good bet.  This also removes the  exchange rate risk from you and puts it with your tour operator.   Generally speaking when booked as a package you will get a really good deal and it should be impossible to come near it by going out locally.  It has the potential downside that hotel catering may not be as good as you would wish or that there aren’t enough restaurants on the complex, or sufficient variety in the menu.  However, most hotels/operators will bend over backwards to please if you have specific requests and you will have saved so much that you could still go out to eat a couple of times.

Save money on Food/ dining

If you don’t go all inclusive or full board you can save money by not eating at a restaurant at lunchtime.  Take a cheap pique-nique set (plastic plates and glasses don’t weigh much if you’re flying) and buy stuff from supermarkets .  If you like a glass of wine it also means you can buy a bottle or two for the evening and have something handy to drink from. 

 

You will find many more holiday ideas, for all pockets, for singles, couples and families on Findholidays4u . We have a mass of consumer information and tips about travel generally. Generate you own unique list of holiday ideas by entering your needs and requirements. You can also visit the blog and join the discussion.

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