2 Simple Ways to Bring Down Your Auto Insurance Costs

If you are searching for a cheap car insurance, it makes sense to use the World Wide Web as opposed to personally trying to find the best deal. Further, rates offered by different companies vary a lot. With the help of the web, you can get in touch with numerous insurers by simply visiting a single insurance comparison website.

Once you land at the website, just fill a single online form requesting a quote. Provide the information required and quotes offered by various insurers will be available on you screen. Further, websites offer not just quotes but tips, information and guidelines related to car insurance as well.

Why opt for an expensive plan?

1st way – It is important to shop around when searching for auto insurance. Provide identical information to insurers and you may still end up with a 250 % difference in cost of auto insurance. This is how the insurers work. Why opt for an expensive plan when a much cheaper plan may be a click away? Obtain numerous quotes and compare them before taking a final decision. It is not necessary to always switch insurers. Even the threat of a switch may result in your existing insurer offering additional discounts and benefits. Insurers hate losing customers to their competitors. Use this to your advantage by negotiating for lower rates and higher coverage.

Cutting Down on Miles?

2nd way – Another way to bring down your auto insurance premium is to cut down on the miles you drive. Make it a point to drive less than 50 miles a day. This will bring down your auto insurance costs. Did you know that you can save as much as $120 per year by simply cutting down your driving? You should seriously consider offering to pay a higher deductible on your policy. Insurers are quick to reward those who pay high deductibles and offer coverage at very low premiums. Of course, merely offering to pay a high deductible will not suffice.

Never Drive Without Car Insurance! Never.

You should put away that sum to ensure you can actually afford the high deductible. If you opt for these measures, you should be able to bring down the cost of your auto insurance without any difficulty. You will enjoy adequate auto insurance without a heavy burden on your finances. Never forget that driving without automobile insurance is the worst decision you can ever take.

Auto Title Loans – Why You Should Read the Legal Disclosures Section

Subprime loans are tailor-made for consumers who have a low credit score and do not have access to conventional, low-interest debt instruments. Borrowers who are in need of emergency cash and can’t get a loan because of a bad credit can overcome this obstacle by applying for subprime loans, such as auto title loans.

Consumer advocate groups recommend you fully understand the terms of the agreement before taking on any subprime financing product. Because most likely you’ll have to pay higher interest rates and more financing fees than if you choose conventional financing products. The increased rates are necessary because of the risk of lending to borrowers with bad credit is much higher.

Auto equity lenders have to back up their loan. They often have higher interest rates and but the loan is really secured by the borrowers automobile title. The lender will hold the borrowers title as collateral. That way if the borrower is unable to repay the debt, the lender can recover their losses, by repossessing the vehicle and selling it.

This is why most auto equity loan lenders, will only give you up to 50 percent of the vehicles value, that way they can sell the car, to recover the losses from the unpaid debt. Repossession is the ultimate penalty. But most lenders will attempt to contact you and collect the payment before it goes as far as repossession because most often it can cost the lender a lot more to repossess and sell the vehicle than the actual cost of the original loan.

If you are thinking about applying for auto title loans, some state laws, like those in Oregon, make it illegal for the lenders to take a duplicate set of keys. But in cases when the lender has to repossess the vehicle and does not have keys, the lender can get a new set of keys cut using the key code found on the title slip that you proved when you applied for the loan. Some lenders will even require you install a GPS system so they can find the vehicle in case they need to repossess it.

Consumer credit groups suggest you need to know what you will be responsible for up front so you can plan your repayments accordingly. For your own protection, you should always read the legal disclosures section of a lending agreement. This is the section that outlines all fees and charges that may be levied against you, as well as the interest rate, expressed as an annual percentage rate or APR.

The fees outlined in your agreement may vary depending on the lender you choose, but there are some common fees for auto title loans. Oregon, New Mexico, California, and Arizona lenders usually include these terms:

* Insurance: Some lenders will require you to pay a one-time fee for collision insurance.
* Repossession fees: Should you default on your payments and force the lenders to repossess your car, they may charge you a repossession fee. In order to get the car back, you must pay this fee.
* Collection fees: If you make a late payment, some lenders will charge you for the cost they incur from sending you a notice of the late payment or dispatching a representative to collect in person.
* Late fee: This is calculated as a percentage of the monthly payment.

Once you have an idea of the fees in the agreement, ask questions and, if necessary, consult a lawyer to comprehend what you will be getting yourself into. Understand what you will be required to pay and when. Also make sure that you have the right to take legal action, should that be necessary.

Understand your rights as a consumer, including your right to negotiate the interest rates you will be paying the lender. Do a little research and go through the agreement with a fine tooth comb to understand all the implications of your debt before you sign on the dotted line.

Minimum Coverage Requirements For California Auto Insurance

California auto insurance is regulated by the State of California, and while it may similar insurance coverage in other states, there are likely to be some very noticeable differences, especially considering that California is a generally more expensive state to live in.

Like most states, there are three distinct areas of damage coverage that must be purchased for the California auto insurance coverage to be considered even minimal. Those 3 categories are Bodily Injury Liability per Person, Bodily Injury per Accident, and Property Damage Liability. The maximum amount of coverage that may be obtained is left up to the owner and insurance company to decide, but the laws fo California has set minimum liability coverage at the following amounts:

$15,000 – Bodily Injury Liability (each person)
$30,000 – Bodily Injury Liability (per accident)
$5,000 – Property Damage Liability (per accident)

What is Bodily Injury Coverage?

Bodily injury liability coverage is designed to pay the costs involved with injuries to other people in an accident, when you or your vehicle have been designated as the at-fault vehicle. The per person amount is the maximum that the insurance company will pay for each person injured, and the per accident limit is the most that the insurance company will pay, regardless of how many people are injured or the seriousness of those injuries. Any costs above these limits will be the responsibility of the insured party to pay.

What is Property Damage Liability Coverage?

Property Damage Liability covers the cost of damages caused by your vehicle if you are deemed to be at-fault. The damages can include anyone’s property, including mailboxes, trash cans, light poles, buildings, cars, and more. The per accident limit is the maximum the insurance company will cover, and can be applied to legal fees if there is any coverage available to do so.

How Much Coverage Is Enough?

The minimum coverages imposed by law for California auto insurance is the bare minimum allowed by law. For the best protection against damages, the best thing to do is increase your coverages to a higher limit. Increasing the coverage limits will entail higher insurance premiums, but if the coverage should be needed, the cost of premiums will seem slight when compared to the possible out-of-pocket costs that remain to be paid.

To get the most from your California auto insurance coverage without higher premiums, the best solution may be to adjust the policy deductibles. For California auto insurance, the lower the deductible of a policy, the higher the premiums will be, and vice versa. If you are willing to have a relatively high insurance deductible, the premiums, even with increased Liability coverage, can be kept manageable.

California Auto Insurance – The Complete Lowdown

How many times each week do you get in your car? Twenty? Thirty? Or maybe you’re driving to work and to run errands, and you’re shuttling your kids from activity to activity. Forty times? Fifty? With gas costs rising, you’re probably paying more attention to your driving habits. But how long has it been since you thought about your car insurance?

Every state in the United States requires that licensed drivers carry auto insurance, and California is no difference. California auto insurance laws are similar to laws in other states. The minimum level of auto insurance in CA is called “liability insurance.”

Liability auto insurance in CA must meet the following statutory minimum limits: it must cover bodily injury of one person in one accident up to $15,000; it must cover bodily injury of every person in one accident up to $30,000; and it must cover property damage up to $5,000 for any one accident. It is crucial to note that this is the absolute minimum level of coverage – and that it is required by law.

Every driver must carry proof of insurance at all times. This is done for your safety and for the safety of others. It ensures that, in the event of an accident, both parties will be able to trade accurate information and resolve the situation as quickly as possible.

California requires that you carry proof of auto insurance. Failing to have this available so can cause significant problems. Without proof of proper CA auto insurance, you can not register a new vehicle or even renew an existing one. Also, if you are caught without the necessary proof, either by the Department of Motor Vehicles or a police officer, then your registration may be suspended until you are able to provide proof. Losing the right to drive until you resolve this can really be a hardship.

You know now how important it is to have auto insurance in CA. Minimum liability coverage might sound like a lot of money, but many insurance companies currently offer minimum coverage at affordable rates. If you do a little bit of research, you can get insured for a reasonable price – and if you have a good driving record, that price will go down. Ultimately, it’s much safer, and much cheaper, to abide by the law and get car insurance. If you get in an accident, you’ll save money, and if you drive safely, you’ll be a law-abiding citizen.

Missing Persons Investigations of a New Age

George Orwell’s novel Nineteen Eighty-Four was first published in 1949. You’d have thought that his vision would no longer be up-to-date 65 years later. The world he described was a world where Big Brother was watching people, constantly seeking information about crime think or any other kind of offence against the glorious super state of Oceania.

Edward Snowden showed us, that what Big Brothers these days are doing is not all that different from what Orwell described. Sure, the technology is quite different from what he had envisioned, but Orwell’s novel is not about science and technology, but about the horrible world where governments might monitor our every move, observe us in our most intimate moments and know about everything we do. Modern day supercomputers, satellites and all sorts of technology make that easily possible for various government agencies.

Yet there is so much information out there that is easily accessible without any spying satellites, supercomputers or without bugging mobile phones. It’s the information millions of users are putting online every day of their own free will, just to get some likes, re-tweets or shares. People tell themselves that they are doing this to stay in touch with each other, but they fail to realize how much of their personal information they are giving away every moment of every day.

With more than half of Australians being active on Facebook, it seems like this would be the most promising social network to start an investigation. The information found on Facebook is truly varied. There are photographs, comments as well as check-ins that give away a person’s current location. Furthermore there is a time stamp on everything, which makes it easy to create a collage of events a person went through at a certain time. No special equipment is needed for all of this with much of it capable of being performed with a simple smart phone.

Of course people tend to forget, that social media doesn’t mean just Facebook and Twitter. Apart from other household names like LinkedIn, Google+ or Pinterest, there are dozens of other smaller, niche websites that cater to all sorts of profiles. Finding information across all of these platforms can turn into a large investigation on its own.

Investigating social media is not only about snooping either. People tend to forget, that Facebook is first and foremost a platform for communication. As many people from the younger generations no longer even have a landline and choose not to publicly reveal their mobile number, Facebook and other social media may be an easy way of tracking them down for communication or to even serve court documents.

Being a private investigator and not knowing anything about social media is something that has become unimaginable in this day and age. While traditional methods such as surveillance are still very effective, they are considerably supplemented with comprehensive desktop investigation based on extensive social media profiling and as the next generation moves more of their life onto the internet the value of this brand of profiling is only going to increase.