What goes into my rating info, how are my car insurance rates determined?

Written by A. Chris Tijerina


Your auto insurance rates are determined by a number of factors:

-driving record

-usage, how you are usingrepparttar vehicle, work, pleasure, business

-how many drivers you have and their ages

-how many vehicles you have

-what kind of coverage limits you want

-what area you live in

-your payment history

-what color car you drive

-your insurance credit score

-your claims history

-your occupation and how many years you have lived at your current residence

-how fast you can solve a Rubix cube

-your daily, weekly, annual mileage

There is a lot of information about you that is used to determine your rates. You are grouped or pooled together with similar drives ofrepparttar 112382 same background that way you are not paying for drivers that are much worse than you.

Similar risks will pay similar rates.

Your usage affects your rates because if you are driving to and from work or school 5 days a week, 15 miles one way you have a higher chance of getting in a accident than someone who only drives 1 mile 1 way 3 days a week or someone who works from home and only drives to get groceries. So business, work, and school usage is higher than pleasure usage.

The area you live in affects your rates due torepparttar 112383 fact that one area or town may have a higher incidence of claims than another area. One area may have higher lawsuit payouts or higher theft rates than another area. Even if you live in a affulent area your rates may be higher due torepparttar 112384 higher value vehicles in your area cost more to fix than in an area with lower value vehicles.

Product Review - No Money Down Course by Carleton Sheets

Written by Mike Matthews


Product Review – No Money Down Program by Carleton Sheets Review by staff member Mike Matthews

Real estate continues to be a very important part of any financial wealth building strategy. Most wealthy individuals have real estate investments as a portion of their overall net worth. Carleton Sheets has been in real estate sincerepparttar 1970s and has taken his experience to build a complete real estate course.

After purchasingrepparttar 112381 CD version ofrepparttar 112382 No Down Payment course by Carleton Sheets, I was impressed by 5 main points.

Carleton Sheets understandsrepparttar 112383 different learning styles of individuals and has designed this program for 3 different learning styles. -He’s includes a DVD for viewing and listening -He also includes a 12 CD set for listening/auditory – very helpful for listening inrepparttar 112384 car or at home -Andrepparttar 112385 No Down Payment course includes 3 large binders ofrepparttar 112386 course material, real estate forms, examples, etc

Carleton Sheets goes into details about this course from beginning to end, describing allrepparttar 112387 elements of his program. He teaches his No Down Payment course withrepparttar 112388 beginner and advanced real estate investor in mind. The examples he uses inrepparttar 112389 audio version,repparttar 112390 DVD version and inrepparttar 112391 3-ring binder (written version) providesrepparttar 112392 beginner withrepparttar 112393 information they need to get started. Although not necessarily a high-energy speaker, you getrepparttar 112394 sense of his sincerity and honesty. Carleton provides enough motivation to make you take action.

Carleton Sheets provides his No Down Payment course on a 30 day, money-back guarantee with a $9.95 trial offer. You may want to check his site to see if this offer is still available. Through his program, he emphasizesrepparttar 112395 need to constantly think creatively. I’ve been able to apply creative thinking in both my real estate investments and in other areas of my personal and business life.

He reminds you ofrepparttar 112396 importance of looking for four important characteristics of a good investment – Income, Growth, Tax Advantages & Leverage

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