When choosing a bank account it is crucial to know what services are important to you. Do you want low fees, access to an ATM machine, good customer service by phone and Internet banking? Or maybe you simply want to have an account with a bank that is located conveniently close to home? These are all key questions you must ask yourself before choosing a bank.

Once you've chosen a bank, all you have to do is go to branch and fill out an application form. Most of time you also have to provide bank with an initial deposit for account as well. Then you are given a bank number and an ATM card (if you chose this option). If you have opened a checking account you will also be given a book of checks.

Although you may have heard that if you drive a red car you will pay higher rates but this is not true. It is a myth. GEICO, USAA (For Military Only), and Allstate, to name a few, don't even ask what color car you drive when you apply for a quote. And your VIN number doesn't give this info either.

If you have one car and three drivers you will pay more because that car will get used alot more than if you had only 1 driver and 1 car.

If you have had a poor payment history or your policy has cancelled due to non payment you will have higher rates when you try to reapply for insurance.

The higher your insurance credit score better. The insurance credit score is similar to your FICO credit score such that higher your FICO score lower your interest rate and higher your insurance credit score lower your insurance premium.

Your claims history will affect you for a minimum of 3 years. If you have filed a claimed or if you even mentioned a claim to your insurance company it can and most likely will affect your rates.