Your Neighbors Driving Habits Could Be Affecting Your Insurance Rates

You may not realize it, but your neighbors driving habits could be affecting your insurance premiums. Insurance carriers consider not only what you drive and how you drive, but also where you live. A portion of auto insurance premiums are based on your ZIP code. If you happen to live in a ZIP code with a high number of accidents or car thefts, expect to pay more.

Sometimes moving just a few blocks away can have a significant impact on your car insurance simply because that area is in a different ZIP code. Areas like Florida where there is a much larger number of fatal accidents per capita than in other states drives insurance premiums much higher. In fact, drivers in the Miami-Fort Lauderdale area, for example, pay more than twice as much for car insurance than drivers in Seattle.

It's important to note that all car accidents are preventable. Obeying traffic laws, making sure your car is in good working order and giving plenty of room between cars on the road will go a long way towards steering you away from trouble. Maintaining a safe driving record will ensure that you receive cheap auto insurance quotes in your location.

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The Worst Drivers Are Everywhere…..But Florida Wins. « CBS
boston.cbslocal.com4/22/12
I have the opportunity to drive through many states in the course of each year and it's really difficult to pick one area as having the worst drivers, but since you insisted......the winner is: Florida.......by far.

How Will The New Healthcare Law Affect You?

Whether you have health insurance or not, the sweeping healthcare law will affect every single American taxpayer. While the new law isn't perfect and it will probably be the single most expensive piece of legislation since Eisenhower created the Interstate road system, the law does have some interesting positive benefits as discussed in the following story.

 5 Basics for Defending Obamacare
At the root of the healthcare controversy are two different conceptions of America.

Instant Auto Finance Makes Car Buying Easier

Getting a new vehicle loan is now much simpler. No more having to visit a lot of different car dealerships trying to get a low monthly payment. There are online websites now that make available car loans, some of which are obtainable instantly. Mainly, what you must have to do is complete a quick Internet loan application that shall be transmitted via a secured web page. These instant financial products make instant auto finance possible.

Depending upon your credit numbers, monthly payments may be a bit less expensive compared to the rest of the market, on average. The lower your credit rating, the better the cost of borrowing will be to you. The key here is to select the financial institution that has great terms that matches your financial circumstances.

Online auto loans can be used to obtain either a new car or used vehicle. The loan provider confirms your credit history and then issues an instant online approval for the car loan. As a result, individuals affected with bad credit can still find it possible to use an instant auto finance service. In an effort to obtain secured loans the lending company will probably require that you provide evidence of income. The total loan amount is predicated upon your ability to repay the amount borrowed. Typically, one can have up to 6 years to pay back the loan for a new car.

Also, you are not required to pick out a car from a car dealership prior to getting a car loan. Once you have an approved car loan, you can select the car or truck you want from any accepted auto dealership up to the limits of your loan. You won't have to share your numbers or loan terms with the auto dealer, and therefore, instant auto finance is like having cash shopping power to negotiate the best price for your new or used automobile.

More People Using Online Payday Loans For Cash Advances

Current economic conditions combined with tight credit has resulted in more people using payday loans. Online payday loans are designed to be a short term solution for a temporary financial problem. They are an attractive solution because it is a quick and easy way to get a fast cash advance for those unexpected situations. Payday loans have become so popular that you probably have seen these types of locations in your neighborhood.  You simply walk in with your latest pay stub along with identification and in a few minutes you walk out with the cash that you need.  You simply pay off the short term loan when you get your next paycheck.

Now the Internet has made these short term cash advance loans even easier.  You simply log in to a secured website and enter in your information.  Cash is deposited directly into your bank account. Some online payday loan websites will even let you set up an automatic withdrawal when your next paycheck is deposited.  This way  you don't have to remember when your loan is due.  Your loan is paid off directly from your checking account. Of course, you need to be sure that the funds will be available in your account when the payment is due.  

There are a number of reasons why people are using online payday loans.  For example, you have an unexpected car repair and you don't have a credit card.  You can get an online payday loan to get an instant cash advance to cover the car repairs.  When you get your next paycheck you simply payoff the loan. 

If you're financial problem is not temporary then an online loan will only make matters worse.  People get into trouble with these types of loans when they find themselves constantly borrowing money that they can't pay back. Payday loans are short term loans for people that are low on cash due to an unexpected expense.  It is not a way out of debt.  However, when used responsibly, an online payday loan can give you an instant cash advance to help get you through life's unexpected situations.

Get up to $1,500 deposited in your account in as little as an hour! Learn More

How To Sell Your Car Online

For those looking to sell their used car, the internet offers a variety of places for sellers to get in touch with car buyers. However, the best strategy to attract more genuine buyers is to find valued local classified ad online sites. Depending upon where you are located, these sorts of websites may likely cost money. 

As Soon as you locate the websites, the second thing is to create an appealing advert.  You are probably familiar with the well known aphorism that a picture is worth a thousand words.  There is a lot of truth to that phrase.  As a result, you want to make sure that you take excellent photos because chances are high that's what will sell your car.  Think about using a quality digital camera rather than one that is common with cell phones since the resolution will be considerably higher producing a more intricate and dynamic photo.  Remember to snap some good interior shots.  Lifting the hood for some pointed photos of the engine can be a very good selling characteristic.

Now that you have your images, the third item on the list is to craft your text for a classified ad.  Use bullet points to convey the vehicle's desirable qualities.  Be certain to describe the used car completely and honestly. It is imperative to have the mileage, year, make and model right. Don't forget to include a way for buyer's to contact you whether it be by phone, email or both.

The fourth procedure is coming up with a price.  There are a number of places that will get a vehicle's book value.  Additionally, you can look to see what comparable vehicles in your area have been selling for and price as necessary.  Essentially, your car or truck is worth whatever a buyer is willing to pay.

Selling a used auto online can be highly efficient if you can get through to eager buyers close to your local community.  You may also want to consider an online site that offers cash for used cars.

Is A Managed Care Health Plan The Right Option For You?

With the range of medical insurance plans being offered, finding the ideal choice for you and your family appears difficult; especially, when you're not certain what your needs are. For that reason, before you buy any sort of medical insurance, be sure to examine the many options out there to make certain you acquire the optimum medical insurance at the lowest monthly premium or deductible.

Mainly, the major medical insurance plans are indemnity and managed care. Indemnity plans pay the policy holder's medical expenses up to the policy limits. With this plan, insurance companies pay a percentage of the total charges, regardless of how much the charges are. For hospital visits, the provider will pay a specified amount every day for a specified number of days. The predominant benefit of this type of plan is that you can generally pick any doctor or healthcare provider that you want.

Managed care plans are available in a number of forms which includes HMOs, POSs, and PPOs. This type of insurance is more popular than other types of plans, because they are generally more economical. With these alternatives, you pay a small co-payment anytime you need to see the doctor. Many managed care plans give you the freedom to select your personal physician while others require you to visit whomever is on duty at the time of service. The reason being practitioners in the managed care network have already agreed on the costs that the insurance company will reimburse them for covered treatments. Nearly all plans even allow you to see an out-of-network physician, however, your out of pocket costs will be a lot higher.

Managed healthcare plans are best for budget-conscious consumers that are trying to find low cost medical insurance. For those that prefer to select a specific healthcare provider that is not participating with any managed care plan, will often go for an indemnity plan.