Some Things Your Car Insurance Company Won’t Tell You

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.

Personal Branding For Real Estate Agents – Stretching Your Marketing Dollar With Buzz

The aim of personal branding for luxury real estate agents is to communicate, in a instant, the essence of your personality, your personal values ​​and why someone should do business with you instead of your competition. Successful communication occurs not only when your ideal clients recognize that you are someone they can trust, but also when they can easily convey to others why they chose you for the job in a few words. If you get the message right you can spark word-of-mouth advertising or viral marketing.

The right message triggers an emotional response by quickly establishing your professionalism and your likability. It also compels people to do business with you because it transmits your unique selling proposition, your promise of value to them, in a nutshell. The ultimate message, conveyed by a symbol, a slogan or an image creates buzz. It gets people talking about you.

Buzz marketing is the best way to stretch your marketing dollar. Did you ever see the commercials for Charmin toilet paper with the fictional grocer, Mr. Whipple? George Whipple told customers, "Please do not squeeze the Charmin!" in more than 500 commercials between 1964 and 1985. The promise of value of this product, softness , was conveyed in just five words, in seconds. But, it compelled customers to do just the opposite: to squeeze the product and buy it. Was this product actually softer than the competitor's product? Most likely it was not. But, it got people talking about Charmin not the competition.

Probably the most famous and most imitated product slogan is "Got Milk?" which positioned milk as the drink of choice with cookies, cakes, peanut butter, etc. This campaign was credited for reversing a 20 year slip in milk sales. It has been running since 1993 with no signs of tiring. With this slogan, they summarily dismissed all other potables and captured an indelible place in consumers' minds. According to the Got Milk? website, the campaign has over 90% awareness in the US In 2002, the ad was named one of the ten best commercials of all time by a USA Today poll.

The power of buzz in personal branding for real estate agents can save you a bundle in marketing costs. How can you create buzz and stretch your marketing dollars with a great slogan?

Affordable Web Hosting

These days, with the web hosting market becoming increasingly competitive, it is not hard to find affordable hosting. A simple web search using your favorite search engine will bring up all types of affordable web hosting options.

It is important to do your research before paying for any of these web hosts, however. Companies exist that can offer affordable web hosting to anyone, but they all offer different plans with different capabilities. It does not do you any good to sign up for an affordable hosting plan if it does not give you everything your website is going to need.

The prices for shared server hosting range from about $ 2 to $ 10 / month these days. Most of the affordable web hosting plans in the lower end of that price bracket is perfect for someone who just wants to host a personal website or blog. However, if you are looking for unlimited bandwidth or want to be able to use a specific software package or coding method you might have to pay a couple dollars extra. It is better to stay with the software and coding that you are comfortable with and pay a bit of extra money than it is to try and learn a new method just so you can get a slightly more affordable web hosting plan.

To make an already affordable web hosting plan cost you even less, you can look for coupon codes. Many hosting companies will have a referral program of some sort. Usually these programs work by allowing their customers to create and distribute coupon codes. The new member gets a discount when they use the code, creating a more affordable hosting plan for them. The person who gave them the code usually gets a discount of some sort as well – it may be money credited to their account, or a free month of hosting, or a free upgrade on their current plan.

You can find these coupon codes by simply searching "web hosting coupons" or "[your chosen host] coupons". Just make sure you read the fine print before using any of these codes. The main thing you want to find out is if they are expired or not. Some people will post these codes on their websites and then forget they exist – so when they expire, they never get taken down. You also want to find out if this code will cause your plan to be more affordable indefinitely or if it only applies to the first year of your hosting.

The best web hosting plan for your website might not be the most affordable web hosting plan. A coupon code might be just what you need to make it affordable – but it does you no good if it only makes it affordable for the first year of your hosting. Especially if you need to sign up for more than a year in order to use the coupon (which is often the case). Just make sure that you fully understand what exactly you are agreeing to.

7 Tips For Buying Swarovski Bridal Jewelry

Swarovski bridal jewelry has been a popular choice for a lot of women today. A reason for this is that Swarovski crystals just looks cool and fantastic because of its one of a kind glimmer and shine. So it’s no wonder that so many people just find themselves highly likely to buy this type of crystals. If it’s your first time to purchase Swarovski then you might just find it much better to do so using these useful tips:

1. Be familiar with different Swarovski crystals and know which one you would like to buy. It can be very unnerving to find that there are so many options out in the market. You can begin by searching up online and looking for the different types and make of Swarovski crystals that you can purchase.

2. Look for a reliable seller. The last thing you want is to find a person who will not be able to give you the right and authentic crystals you so want to purchase. Research about how authentic the seller is and you should also take time to look at the person’s comments and reviews page. Check what other people has to say about this person as they have made transactions with him or her. The more comments you find, then all the more better.

3. Check out the payment options. If you are buying your crystals online then it would be best to do a quick look at the site’s overall look and feel. This is a great way for you to understand just how much reliable the site is when it comes to making transactions. Don’t forget to check the security measures being used onsite or else you might end up making an unnecessary risk.

4. Have a budget before looking at the market or better yet, start with canvassing for prices first. Although Swarovski crystals are generally much less expensive than other precious gems, it is still a precious stone and as such would be more pricey than what you would have expected. So as soon as you get to finish making your canvass it would be easier for you to budget your money so that you can buy the perfect Swarovski crystals that you want.

5. Pair up your crystals with the occasion. This is a great way for you to be able to trim down your choices. Think of the actual reason why you decided to buy Swarovski in the first place and from there, you can think about better choices much easier.

6. Look for classic colors and designs. On way you can enjoy your Swarovski crystals much better is if you get to choose designs that are almost all-around. This simply means that it can be used for different occasions. It would be best to have a design that you can wear even after the wedding is over so that you can really stretch its usability.

7. Get the opinion of a designer. If you are having your gown made through couture, it would be wise to consult them about these crystals too.