Tips to Save on Car InsuranceWritten by Jordan Walt
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• Insure more than one car with same company, and you may be eligible for savings. The same is true if you have more than one type of policy with same insurance company. • Look for low-mileage discounts if you car-pool or do not put a lot of miles on your car annually. • Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much. • Buy a safer car that will cost less to repair and less to insure. Check crash-test reports, repair records and manufacturer recalls of any car you are considering. A consumer protection magazine can be very useful or check car sites on Internet.Established in 1995, AIC Insurance Agency is an independent insurance agency offering a full range of insurance products including auto, home, life, commercial, and more. For information and quotes on insurance coverage, please visit AIC Insurance Agency at 14000 SE Johnson Rd. Ste.210 in Milwaukie, OR, or call 503-653-8287. Travelers, second largest writer of auto and homeowners insurance through independent agents, is a member of St. Paul Travelers, a leading provider of property casualty insurance and asset management services. For more information, visit www.travelers.com.
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| | Homeownership Is Still Possible With A Flawed Credit HistoryWritten by Jamie Madison
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Based on this evaluation, borrowers are offered loans rated on a scale from A to D. The more damaged your credit history, higher of a risk you are to lenders. Because of your blemished credit history, you will more than likely have to get a “sub-prime” loan. These types of loans come with higher interest rates and more points. Don’t assume that just because a lender offers sub-prime loans, that you will automatically be embraced. Be prepared to explain to lender why you had credit problems and what you’ve done to prevent situation from occurring in future. Don’t feel pressured into going with first lender willing to make a loan. Doing so may cause you to pay more than you should. Get to know your mortgage market. Shop several lenders, comparing interest rates and fees, to obtain best loan. Compare loan costs line-by-line for various programs through several prospective lenders. Also keep in mind, that there may be other ways to get a lower interest rate, such as putting down a bigger down payment. Remember your past financial problems don’t have to stop you from experiencing joys of homeownership. Copyright © 2005 FreeHomeBuyingResources.com All Rights Reserved.
Jamie Madison is a former Realtor® who provides valuable advice for prospective homeowners. Get insider information when searching for a new home or applying online for mortgage loans. Claim your *FREE* Report – “99 Home-Buying Tips” at http://www.FreeHomeBuyingResources.com
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