How to Find Car Insurance DiscountsWritten by Matt McWilliams
Saving money wherever you can is important to us all. Car Insurance should be no different. Do not assume that your insurance agent knows everything about you and your car. At HometownQuotes we go out of our way to find all possible car insurance discounts that are available to each customer.Drivers should take advantage of all discounts that many providers offer, that can significantly reduce cost of car insurance. Understanding discounts and how they can affect car insurance premiums can help smart shoppers make better decisions about their coverage and possibly save themselves some money in process. Read below to identify possible discounts that could help you save money on car insurance this year. Other than discounts, there may be some other ways for you to save on your insurance premiums. We will go over several discounts that can help with your current situation. First, there are discounts for Car Safety features. Certain states will give you discounts for anti-lock breaks. Make sure you know if it is two or four wheel anti-lock break vehicle. Automatic seatbelts and airbags are frequently discounted on your insurance premiums. In most states, a defensive driver class discount may apply. If principal driver usually 55 years old or older has completed an approved defensive driving class a discount could apply. Keep in mind that most states will only approve this class if it is voluntary meaning that it was not result of a violation or infraction. Some insurers will give you a discount for having multiple cars. In some cases, this will only apply if you have two or more drivers. If you have a clean driving record, meaning you do not have any tickets, accidents or suspensions in last three years (some companies require five years) then you could be eligible for a safe driver's discount. Many insurance companies will reward you with staying with same insurance company for many years without any accidents reported. They will offer you a renewal discount. It makes sense, you have carried insurance with a company for several years, and have not had an accident, your insurance company likes you and wants to reward and keep your business. Some companies honor you with a discount if you had prior limits on your previous policy. They discount you because they understand you are a better risk.
| | Becoming A Battle Hardened Real Estate Veteran Without All The Scars:Written by Chris Anderson, PhD
As part of a new web site that we just launched, www.GetPreconstructionDeals.com, I get repeated requests asking if a particular deal is good or not. While we can’t answer this for individual projects, we can certainly look at what HAS to get done by investor to dramatically increase odds of a successful transaction.Step 1 is always to determine fair market value(FMV). As a real estate investor, you can always buy properties at FMV. My question is why would anybody want to do that? Through careful selection, you can always find properties that are priced below FMV, regardless if they are existing or if they are a preconstruction project. The best way to determine FMV is to work with someone already familiar with area or determine yourself through local websites showing recent sales histories. Step 2 is to then determine market trend for area for which there are two critical pieces: 1) is average price increasing AND 2) is volume of sales increasing. If both are moving in your favor, then you have comfort of knowing that right trend is in place to keep prices moving forward. In stock market investing, there is saying that trend is your friend and traders frequently observe price and volume data to confirm trend. If a hotly priced real estate market shows signs of dropping in volume, be very careful. Step 3 is to learn about supply, especially in preconstruction marketplace. In some areas, there are very few projects on books and in others, there are 15,000+ units expected to emerge within 1 zipcode, in 1 year. Same is true for investing in houses. In you are competing with a bunch of new houses that are coming on-line, then rapid price escalation may be limited. For most savvy investors, they like to see lots of demand with very little supply which is nothing more than common sense. Step 4 is to make your OWN opinions of macro conditions of local and regional marketplace. So, for example, if you are a strong believer that real estate is overvalued in target area, why would you ever consider investing? On other hand, if you believe that market forces will continue to escalate in market, then why would you not be actively looking? As an example, some people believe that graying of America is just now starting to drive people to warm, more attractive climates. Even though property values are high in these areas right now, are we going to see 20+ years of additional migration to them? You have to decide for yourself because we won’t know answer for another 20 years!
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