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How To Get a Debt Consolidation Loan, NEF2.COM


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How To Get a Debt Consolidation Loan


How To Get a Debt Consolidation Loan, NEF2.COM


How To Get a Debt Consolidation Loan

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Cheap Car Insurance, how to get cheap auto insurance.

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Getting cheap rates on auto insurance

Some insurance companies focus on the bare necessities for you to drive legally—bodily injury and property damage liability with the minimum limits—along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide.

Nationwide’s insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.

How do I get cheap car insurance?

Everybody wants the best value for their car insurance premium. That’s why Nationwide offers many ways to get low rates, including our car insurance discounts. But what really makes us unique is the quality we offer our members. Here are a few benefits Nationwide members get:

  • Dependable, customizable car insurance – you can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service – Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side ® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident.

How can I lower my car insurance rates?

Certain factors influence your auto insurance rates, including some things you can control:

  • The kind of car you drive – The price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low.
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car – Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that “someone” is a new teen driver. Statistically teenagers have more accidents so they’re more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.

You can learn more about the factors that impact the cost of car insurance – and be sure to take them into account as you shop for coverage.

What about those discounts?

You can get more affordable rates on Nationwide coverage with our car insurance discounts, such as:

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Affinity discount – We have established relationships with several organizations to offer discounts to their members. If you belong to such a group, you may be eligible for a discount on insurance from Nationwide.
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide ® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You’ll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Start saving money today

Yes, you can have cheap car insurance and unparalleled protection. Get a quote in minutes from Nationwide.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.




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At AALL Insurance, we partner with Arizona s top Insurance providers to ensure that you get the best deal available. Many of these companies have been working together with AALL for over 20 years, and we stand behind each of them to make sure that you are getting the service you deserve.

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At AALL Insurance we understand that any great business begins with great customer service. Our dedication to you is to make all of your interactions with us, inviting, pleasant, and memorable. Our customers can rely on us during claims, when getting insurance advice or while answering questions or concerns. We make every effort to exceed your expectations and to always go the extra mile to make you feel a part of our family.

In addition to service, we realize the fact that every dollar matters and our clients expect and deserve the absolute best products at the lowest possible rate. At AALL Insurance, we strive to represent every worthy insurance company in order to provide that value to you. We know that complete and accurate quote comparisons are expected, and we deliver. We have a highly trained and knowledgeable staff that helps our customers make informed decisions about all of their insurance needs.

Ultimately our success is measured by the value you place on the services we provide you. If you feel that we are a company you would refer friends and family to, then we feel that we have succeeded. We know our customers have a choice and our goal is simply this; to be the best Insurance Agency you have ever worked with and to earn your business for life.




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1999-2018 U K Insurance Limited

Direct Line general insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk.

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Things you need to know about Over 50s life insurance:

Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won t get anything back. This isn t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

As a thank you, choose an e Gift Card when you take out Over 50s Life Insurance.

75 for existing customers , 50 for new customers

Eligible for an e Gift Card three months after the policy start date, provided you haven t cancelled your policy. You ll receive an email or letter confirming how to redeem your gift. Please allow 30 days for delivery of this communication. One e Gift Card per policy sold, limited to two per household. Promoter: Legal General, Knox Court, 10 Fitzalan Place, Cardiff CF24 0TL.

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Accidents, vehicle theft and breakdowns can happen when you least expect it. How would you afford the costs of replacing or repairing your car, or pay for the damage to someone else’s vehicle? A Car Insurance policy could assist with paying these costs. Hippo.co.za compares a range of insurance providers in South Africa that offer coverage tailored to your specific needs.

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A quick guide to Car Insurance

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Comprehensive

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Third party fire and theft

  • Provides cover for damage caused to another person and their property if you are responsible for an accident.
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Third party only

  • Covers the damage caused to another person and their property if you are responsible for an accident.
  • Does not provide cover if your vehicle is damaged or stolen.

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How to Get the Best Rates on Life Insurance, Fox Business, best life insurance to get.

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How to Get the Best Rates on Life Insurance

By Donna Fuscaldo Published August 05, 2014 Retirement

Best life insurance to get

Life insurance is supposed to provide peace of mind. But for many, the approval process gives them nothing but nightmares.

Continue Reading Below

The cost of life insurance varies depending on an applicant’s health history. According to a recent survey by insuranceQuotes.com, smokers, on average, pay more than three times for the same policy than non-smokers.A non-smoking 45-year-old woman pays around $45 a month for $500,000 of 20-year level term coverage, while a female smoke of the same age will pay $167 month.

Age, your overall health, and your hobbies and occupation are also taken into consideration and can drive premiums higher. But that doesn’t mean you’re stuck paying a higher cost or skip insurance all together.

“There are many ways to save,” on life insurance, says Tony Steuer, an author and insurance literacy advocate. “Each insurance company has their own pricing strategy and can be more [or less] competitive in specific tiers. Companies also have different perspectives on medical/health issues, such as some companies are more lenient on build or on other more complex medical issues”

Here are four tips experts to employ to get life insurance without breaking the bank:

Tip No.1 Shop Around

Continue Reading Below

Take the time to compare plans. “Some carriers weigh the fact that you are a smoker more heavily than other carriers,” says Laura Adams, senior analyst at insuranceQuotes.com.

There are online aggregators that will compare plans and rates, or you can use an agent to shop around for you. If you use an agent, experts recommend making sure the professional has access to multiple policies and insurers since each company has different underwriting and rating polices.

“Every company has their own secret sauce on what they quote a customer,” says Adams. As a result, she says consumers should get at least three quotes and include one from a top carrier or a company that provides coverage nationwide.

Tip No.2: Get in Shape Now

In general, healthy people pay less than for coverage.

While it’s going to vary from one insurer to the other in terms of how long you’ll have to be smoke free to qualify as a non-smoker, kicking the habit is going to be your best shot at getting a lower rate.

“An individual who might be declined or facing life insurance premiums that are higher than they anticipated might use their quest for coverage as a wakeup call to improve their health,” says Jack Dolan, a spokesman for the American Council of Life Insurers. “When they do that, they can then come back to the life insurer and show how they have improved.”

If you already have a life insurance policy and quite smoking, Adams suggests alerting the insurer and inquiring about getting reclassified for a lower premium. The one thing you don’t want to do is lie or stretch the truth on your application–even if it’s something they can’t prove such as your weekend bungee jumping escapades. “If you die before you quit smoking and they investigate your death, they can deny a payoff if they found nicotine in your blood at the time of death,” says Adams.

Tip No.3: Get in on a Group Policy

Many corporate benefit programs offer life insurance that doesn’t require a physical exam or undergo any medical tests. While the amount you can take out is often capped, it is a way to get some coverage if you are unhealthy and fear you can’t afford the premium.

Becoming a member of an association or organization can often get access to a group life insurance policy in many cases.

Tip No.4: Review Your Policy Annually

You should review your coverage annually or whenever you experience a life event like a marriage, divorce or new child, suggests Steuer. He says you also want to make sure your beneficiary designations are up to date and you want to compare your options, particularly with term life insurance, to make sure you’re paying the least possible.

What’s more, he says companies charge a fee for paying premiums by modes other than annually so check to see how much you can save by changing that.


Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, car insurance get quote.

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Auto Insurance

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Why Farmers Auto Insurance is a Smart Choice

At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

Car insurance with Farmers means:

Control over your policy

You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

Personalized attention

Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

Insight and guidance

Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

Convenience

Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

Smart savings

Our long list of auto insurance discounts saves you money on smarter coverage.

24/7 protection

Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

Customize your Auto Insurance policy with plenty of coverage options

Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

Consider additional coverage options* like:

Accident Forgiveness

You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

No Fault, No Foul

Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

Small Claim Forgiveness

With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

Incident Forgiveness

Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

Farmers Rideshare

Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

*Not available in all states.

**Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.


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What Is an Insurance Quote?

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An insurance quote is an estimate of what your rate could be with a potential insurance carrier. Quotes are subject to change depending on how much information you give at the time of the quote. The more forthcoming you are with information, the more accurate your insurance quote.

How long does it take to get a car insurance quote?

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Getting a single quote should not take much of your time. A lot of factors can affect the amount of time it takes to get an insurance quote. How many drivers and vehicles you have and where you get your quote, can all affect the time it takes to actually get a quote.

Call an insurance agent: You can expect to spend five to ten minutes giving an agent your information. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. Your call should be returned on the same day unless you called late in the day. The return phone call will probably take an additional five to ten minutes depending on how many questions you have about the information given to you.

Get a quote online: 15 minutes is advertised as the time it takes to get an insurance quote online. Certainly, the time varies according to your computer skills and how many vehicles you need insurance on. Online quotes require a lot of detailed information in order to get an accurate quote.

How many car insurance quotes should you get?

Three to five insurance quotes should give you a good look at what is available. A quick tip on getting multiple quotes at one time is to utilize independent agents. Independent agents sell insurance through multiple insurance carriers. An independent insurance agent will be able to check with each of its insurance carriers and give you their best rate. Ask an independent agent which companies they quoted you through so you do not get duplicate quotes when calling around.

A couple different online insurance websites give you the opportunity to get quotes from multiple insurance carriers too. You only need to input your information a single time to get quotes from several carriers. Getting multiple quotes at once is a huge time saver regardless if it is from an agent or online.

How do you select the best automobile insurance quote?

Most people pick the best insurance quote based on price. A couple of other things to consider include how efficient the agent was at getting the quote to you and explaining all the information. If you are going the online route, how did you like inputting all of the information on your own? Do you feel comfortable with all the insurance terminology?

Just as important is whether or not the quote has the coverage you need and want. When you are getting quotes on car insurance, you should have each company run the quote a similarly as possible. It is the only way you will know which carrier has the best price for you.

How often should you get automobile insurance quotes?

Getting quotes often is advertised frequently. But, how often should you really be getting insurance quotes? It really depends on your relationship with your insurance agency. If you love your insurance agent and trust them whole heartedly, then maybe you should never shop for a new insurance carrier. There is something to be said for good service.

Sometimes enough is enough when it comes to price though. And, there is nothing to say you can’t find good service somewhere else. If your car insurance premium increases significantly renewal after renewal, it is probably time to start inquiring about new insurance quotes.

To put an actual number on it, you should check around every two to three years unless something is happening to make you unhappy with your current carrier. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate. If the price difference with the new quote is only a little bit cheaper, you should probably stick with what you have.

Automobile insurance quotes are one thing you should be comfortable with as a car owner. Insurance rates are always changing. Checking around for automobile insurance quotes could potentially save you hundreds of dollars.


Car Insurance Quotes – Auto Insurance, Progressive, get multiple auto insurance quotes.

#Get #multiple #auto #insurance #quotes


Car Insurance

Get a quote you could save $620 *

Ways you can save on car insurance with Progressive

More than 18 million drivers are insured by Progressive, making us one of the largest and most trusted car insurance companies. ** Why? It’s simple. Our unmatched value. We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more. Take advantage of our savings and get an auto insurance quote now.

Bundle auto and property

Save another 5% or more on your auto insurance when you combine with home, renters or condo.

Snapshot: drive safe save more

Snapshot is a program that personalizes your rate based on how YOU drive. The safer you drive, the more you can save.

Compare car insurance rates

Compare the exact same coverages at a handful of companies and instantly see the best price.

Try Name Your Price

Try the Name Your Price Tool and tell us what you want to pay. Then, we’ll show coverages in your budget.

Auto insurance coverages we offer

Accidents, glass damage, lawsuits, hail, and more we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.

Keep in mind, coverage offerings can vary by state.

Liability (bodily injury and property damage)

Covers damages you cause to others

If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, this covers you if someone sues you over an accident.

Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.

Comprehensive and collision

Covers damage to your car

These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.

Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).

Uninsured/underinsured motorist

Covers your injuries and damages

These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

Medical payments

Covers your injuries

Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

Rental car reimbursement

Covers rental car fees

Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we’ll pay for your rental car fees (up to your limits).

Loan/lease payoff

Helps pay off your loan when your car is totaled

Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.

Progressive guarantees repairs

Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.

Progressive Service Centers offer a simplified claims process. All you have to do is file your claim, drop your car off and that’s it. We’ll have your rental car waiting if you need one and take care of the entire repair process for you.

Most love us! And we think you will too.

4 out of 5 recommend Progressive car insurance

It’s not just because of the savings when you start your policy. It’s also because we’re always working to find more discounts (even after you start your policy) and provide 24/7/365 customer support.

Get an auto insurance quote online or call for advice

  • Home
  • Insurance
  • Auto Insurance

The #1 Insurance Site

Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

Mobile rates are for policies purchased directly from Progressive.

*National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

Discount varies and is not available in all states or situations

The Progressive Group of Insurance Companies, comprised of Progressive Casualty Insurance Company and its affiliates, is the country’s fourth largest auto insurer.

Discounts not available in all states and situations

You’ll get more information when you quote. All coverages subject to policy terms and conditions.

National survey of new Progressive auto customers in 2015.

Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.


Life Insurance Leads, Wealth Management, how to get life insurance leads.

#How #to #get #life #insurance #leads


how to get life insurance leads

I have tried multiple sources for internet based life insurance leads. Even paying to have a site made. http://www.terminsurancecharlotte.com/ it works.. but costs a ton via pay-per click for leads. ?: prefix = o ns = “urn:schemas-microsoft-com:office:office” /

Of all the sites and marketing groups I have tried Insurance Leads.com has been the most successfull. http://www.insuranceleads.com/promotion.aspx?s=agtref k=279797

If you try it they will give you $100 of free leads (matching). These are NOT exclusive leads so be ready to call them emediatly. I have the leads sent to my phone. If you are the first to speak to the prospect you have a 70% shot of closing the case right then.

WARNING: Don’t expect that these leads are going to be easy. I buy 3 leads per day at a cost of $13 per lead. (You can have it set up to get them only on certain days). In a weeks time (15 leads), 8 are BOGUS (get refunded), 3 Sale Made, 2 Can’t be reached (LEAVE MESSAGES.. most don’t), 2 spoke with and have to “WORK” to make the sale.

Talk with them http://www.insuranceleads.com/promotion.aspx?s=agtref k=279797 it might be a nice little addition to your practice.

I have been using them for two years. Last year I bought leads for 40 weeks. (600 leads).. sold 128 polciys.. (placed 82.. some people go to the internet for quotes once the Dr. tells them they are on the stiarway to heaven). Average annual premium sold $94 / month. Total Premium Placed = $92600. I made $53,000 – $3,700 (bogus leads get refunded) = $49,000. Not too bad for @ 3 hours a day work.

Let me know via this sight how it is working for you. Lets share ideas on how to get this and other marketing effrots to work better for us.

Pokerguy

Hmm spell check would have been a good idea.

Pokerguy

New Promotion that http://www.insuranceleads.com/promotion.aspx?s=agtref k=279797 is running. 20 Free Leads (Up to $300 in value)

Pokerguy

Please post if you have tried. What is working or not working with your approach?

Squash1

Pokerguy

Bonk this post is not for my site… just showing that a 3rd party vendor works. It works for me.

3rdyrp2

The “About Us” portion of the terminsurancecharlotte.com site is pretty weak. All it says about them is “Our goal is to be the number one term life insurance resource for the greater Charlotte, North Carolina area. We make finding the right insurance easy.” Then a bunch of jargon that doesn’t have anything to do with the site. I just send a couple of minions to the pregnancy ward of the hospital to get the husbands info.

Pokerguy

Point taken @ my site. The site was just to get the first page lead info… the generic volume is to buff up site for search engines. I have gotten a few notes about the site, the point of the post it to say the the leads vendor works for me… BETTER than my own web site via pay per click.

SuperBroke

Have you tried their Annuity leads?

Pokerguy

I have not used them for annuity leads.

gettingstarted

I’m going to give them a shot, will keep updated.

Pokerguy

Gettingstarted .. how did it go? What type of call/reach/bogus ratio did you pull your first week? MAKE SURE to get REFUNDS on any lead that is BS. Can’t wait to hear how it worked for you.

Pokerguy

Ray- Please post what you emailed me.

SuperBroke

Sold 2 out of the 15 free leads.

SuperBroke

“Sold 2 out of the 15 free leads. ” T

he leads can be great or crap. They do refund quick on the bs leads. 1/3 BS leads, 1/3 Sale, 1/3 working.

SuperBroke

“Sold 2 out of the 15 free leads. ” The leads can be great or crap. They do refund quick on the bs leads. 1/3 BS leads, 1/3 Sale, 1/3 working.

The 1/3, 1/3, 1/3 seems to be holding true. I have been getting refunded on the 1/3 junk leads, and about half the “working” leads turn out to be junk. So selling 2, working 1, and refunded 3 is more like the ratio.

Pokerguy

52 policys PLACED PAID YTD. 337 Leads bought. 142 Leads refunded. 52 / 195 @ 26% YTD

Ask how many agents are working the leads in your area.. DONT buy if more than 3 other agents in your area- this is good but no reason to tip over each other.

I set my lead screener to 250K face min, over 35 yo under 65, and NO health conditions.

I sell Term Ins. 94% of the time with these leads, I cant think of a situation where a face of under 250K is suitable coverage. 35-65 is the Term Ins. sweet spot, under 35 and you make NO $$$ selling it. Over 65 and you have a diffrent set of products to consider. The health conditions is something I flip on and off. I hate to pay for a lead for a person who is the walking dead- “My doctor told me I have” . I have made good $ selling to people who have been turned down by other companys though.. rated policys make the most $$$. It is a coin flip, I just toggle on and off.

Good Luck with your sales!

mbonfa2

I have been seriously considering moving forward with insuranceleads.com and you have pretty much sealed that deal. I am going to try it as well. I do have a few questions for you if you had some time to respond.

What have you found to be your average lead cost? Still holding steady at $13 per lead?

Do you only market to a radius around Charlotte? The whole state? How do you approach that? What’s the population there?

Do you have staff that does the contacting for you? Either way, about how much time does it take total to close it? Are the prospects pretty receptive?

Any tips to make sure that you are the first agent to contact them? How quickly do you find that other agents call the leads first?

Any scripts or form emails you might care to share? Any systems or processes you use that work?

Any luck cross-selling your investments?

Have you tried any other lead sites and had good results?

OK, thanks for any answers you have the time to give. I appreciate the guidance and will be sure to report my results here in a few months.

Pokerguy

What have you found to be your average lead cost? Still holding steady at $13 per lead? The last group have been $24.40/lead with the 250K face min, over 35 yo under 65, and NO health conditions.

Do you only market to a radius around Charlotte? The whole state? How do you approach that? What’s the population there? 15 miles from my zip has @ 1million people.

Do you have staff that does the contacting for you? I do ALL of the first 4 attempts, then turn them over to a couple of new guys. If the contact is not made right away, then the lead is usually junk.

Either way, about how much time does it take total to close it? My record from time of getting the lead and submitting the app in 7 min. The normal is @ 1 hour all in.

Are the prospects pretty receptive? When they are real yes, when some jerkorf signed them up to fill out a paid survey they are pissed. Just be kind and give them the name and number of your Insurance leads contact to be asked to be put on DNC list.

Any tips to make sure that you are the first agent to contact them? How quickly do you find that other agents call the leads first? Have the lead sent to your PDA, and call them AS SOON AS YOU GET THE LEAD.

Any scripts or form emails you might care to share? Any systems or processes you use that work? Just say you are responding to their request for a life insurance quote. Always ask for the close, ask to get togeather or take app over phone.

Any luck cross-selling your investments? Have sold a few investment accounts, @ 300K total.. These are really term-ite leads.

Have you tried any other lead sites and had good results? Quite a few, NewQuote, InsuranceLeadz, LifeSolutions, I have been doing this for 14 years, alot have come and gone.


Compare Cheap Car Insurance Quotes at GoCompare, car insurance get quote.

#Car #insurance #get #quote


Car insurance

Compare cheap car insurance quotes and see if you could save

  • Compare car insurance quotes from over 120 brands with a single search [1]
  • What you see is what you get, with Defaqto info to help you choose
  • Find your insurance group and add second drivers quickly and easily

Car insurance get quote Car insurance get quote

Our trusted car insurance brands

  • Car insurance get quote
  • Car insurance get quote
  • Car insurance get quote
  • Car insurance get quote
  • Car insurance get quote
  • Car insurance get quote
  • Car insurance get quote
  • Car insurance get quote

How fully comprehensive car insurance has your back

Does my car insurance offer cover for flood damage?

Drivers warned of dangers of ‘fronting’

Have you got adequate cover for the contents of your car?

Can I compare quotes for my double cab pick-up?

Comparing car insurance could mean serious savings

What does the ECJ gender ruling mean for women drivers?

Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.

Fortunately, calling round dozens of insurers for a quote has been consigned to history – with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.

Get informed


  • Find the cheapest car insurance groups
  • Rummage around in the Car insurance garage

How to get a car insurance quote

If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.

Next, you’ll need to let us know:

  • Your car’s value
  • How much no-claims bonus you’ve amassed
  • Your annual mileage
  • Usage – social, commuting or business
  • Your occupation

Quotes that cater to you

Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:

  • Choose your voluntary excess
  • Opt to protect your no-claims bonus
  • Decide whether to pay monthly or annually

Change any of these and you’ll get a fresh set of prices to fit your new answers.

Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

You don’t need to take our word for it either – when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

Need to know more about car insurance?

We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

Did you know.


  • 67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums [2]
  • 32% of drivers have been with their current insurer for three years or more [2]

Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.

There’s also plenty to read and delight on wider motoring issues.

Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips – peruse at your leisure.

  • Car insurance get quote

Protect yourself from keyless car theft

  • Car insurance get quote

    New year, new car bargains

  • Car insurance get quote

    Driving home for Christmas

  • Car insurance get quote

    Cheap cars for young drivers

  • Car insurance get quote

    Driving America’s car chase heroes

  • Car insurance get quote

    Best cars for winter driving

    [1] Correct as of 18th October, 2017

    [2] Research commissioned by Gocompare.com carried out with 2,000 UK adults in February, 2017 by Bilindi

    † Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites


  • Compare Cheap Car Insurance Quotes at GoCompare, get quote for car insurance. #Get #quote #for #car #insurance


    Car insurance

    Compare cheap car insurance quotes and see if you could save

    • Compare car insurance quotes from over 120 brands with a single search [1]
    • What you see is what you get, with Defaqto info to help you choose
    • Find your insurance group and add second drivers quickly and easily

    Get quote for car insurance Get quote for car insurance

    Our trusted car insurance brands

    • Get quote for car insurance
    • Get quote for car insurance
    • Get quote for car insurance
    • Get quote for car insurance
    • Get quote for car insurance
    • Get quote for car insurance
    • Get quote for car insurance
    • Get quote for car insurance

    How fully comprehensive car insurance has your back

    Does my car insurance offer cover for flood damage?

    Drivers warned of dangers of ‘fronting’

    Have you got adequate cover for the contents of your car?

    Can I compare quotes for my double cab pick-up?

    Comparing car insurance could mean serious savings

    What does the ECJ gender ruling mean for women drivers?

    Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.

    Fortunately, calling round dozens of insurers for a quote has been consigned to history – with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.

    Get informed


    • Find the cheapest car insurance groups
    • Rummage around in the Car insurance garage

    How to get a car insurance quote

    If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.

    Next, you’ll need to let us know:

    • Your car’s value
    • How much no-claims bonus you’ve amassed
    • Your annual mileage
    • Usage – social, commuting or business
    • Your occupation

    Quotes that cater to you

    Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:

    • Choose your voluntary excess
    • Opt to protect your no-claims bonus
    • Decide whether to pay monthly or annually

    Change any of these and you’ll get a fresh set of prices to fit your new answers.

    Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

    You don’t need to take our word for it either – when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

    Need to know more about car insurance?

    We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

    Did you know.


    • 67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums [2]
    • 32% of drivers have been with their current insurer for three years or more [2]

    Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.

    There’s also plenty to read and delight on wider motoring issues.

    Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips – peruse at your leisure.

    • Get quote for car insurance

    Protect yourself from keyless car theft

  • Get quote for car insurance

    New year, new car bargains

  • Get quote for car insurance

    Driving home for Christmas

  • Get quote for car insurance

    Cheap cars for young drivers

  • Get quote for car insurance

    Driving America’s car chase heroes

  • Get quote for car insurance

    Best cars for winter driving

    [1] Correct as of 18th October, 2017

    [2] Research commissioned by Gocompare.com carried out with 2,000 UK adults in February, 2017 by Bilindi

    † Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites


  • Car Insurance Quotes – Auto Insurance, Progressive, get car insurance today. #Get #car #insurance #today


    Car Insurance

    Get a quote you could save $620 *

    Ways you can save on car insurance with Progressive

    More than 18 million drivers are insured by Progressive, making us one of the largest and most trusted car insurance companies. ** Why? It’s simple. Our unmatched value. We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more. Take advantage of our savings and get an auto insurance quote now.

    Bundle auto and property

    Save another 5% or more on your auto insurance when you combine with home, renters or condo.

    Snapshot: drive safe save more

    Snapshot is a program that personalizes your rate based on how YOU drive. The safer you drive, the more you can save.

    Compare car insurance rates

    Compare the exact same coverages at a handful of companies and instantly see the best price.

    Try Name Your Price

    Try the Name Your Price Tool and tell us what you want to pay. Then, we’ll show coverages in your budget.

    Auto insurance coverages we offer

    Accidents, glass damage, lawsuits, hail, and more we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.

    Keep in mind, coverage offerings can vary by state.

    Liability (bodily injury and property damage)

    Covers damages you cause to others

    If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, this covers you if someone sues you over an accident.

    Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.

    Comprehensive and collision

    Covers damage to your car

    These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.

    Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).

    Uninsured/underinsured motorist

    Covers your injuries and damages

    These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

    Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

    Medical payments

    Covers your injuries

    Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

    Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

    Rental car reimbursement

    Covers rental car fees

    Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

    Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we’ll pay for your rental car fees (up to your limits).

    Loan/lease payoff

    Helps pay off your loan when your car is totaled

    Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

    Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.

    Progressive guarantees repairs

    Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.

    Progressive Service Centers offer a simplified claims process. All you have to do is file your claim, drop your car off and that’s it. We’ll have your rental car waiting if you need one and take care of the entire repair process for you.

    Most love us! And we think you will too.

    4 out of 5 recommend Progressive car insurance

    It’s not just because of the savings when you start your policy. It’s also because we’re always working to find more discounts (even after you start your policy) and provide 24/7/365 customer support.

    Get an auto insurance quote online or call for advice

    • Home
    • Insurance
    • Auto Insurance

    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    Mobile rates are for policies purchased directly from Progressive.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Discount varies and is not available in all states or situations

    The Progressive Group of Insurance Companies, comprised of Progressive Casualty Insurance Company and its affiliates, is the country’s fourth largest auto insurer.

    Discounts not available in all states and situations

    You’ll get more information when you quote. All coverages subject to policy terms and conditions.

    National survey of new Progressive auto customers in 2015.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.


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    Progressive: Ranked One Of The Best Insurance Companies, get car insurance online.

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    Get insurance for almost anything you need

    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Discount varies and is not available in all states or situations

    Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

    A leader in boat insurance from 2016 Millward-Brown national survey data.

    No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

    Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will


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    What Is an Insurance Quote, get auto insurance quote online.

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    What Is an Insurance Quote?

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    An insurance quote is an estimate of what your rate could be with a potential insurance carrier. Quotes are subject to change depending on how much information you give at the time of the quote. The more forthcoming you are with information, the more accurate your insurance quote.

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    Getting a single quote should not take much of your time. A lot of factors can affect the amount of time it takes to get an insurance quote. How many drivers and vehicles you have and where you get your quote, can all affect the time it takes to actually get a quote.

    Call an insurance agent: You can expect to spend five to ten minutes giving an agent your information. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. Your call should be returned on the same day unless you called late in the day. The return phone call will probably take an additional five to ten minutes depending on how many questions you have about the information given to you.

    Get a quote online: 15 minutes is advertised as the time it takes to get an insurance quote online. Certainly, the time varies according to your computer skills and how many vehicles you need insurance on. Online quotes require a lot of detailed information in order to get an accurate quote.

    How many car insurance quotes should you get?

    Three to five insurance quotes should give you a good look at what is available. A quick tip on getting multiple quotes at one time is to utilize independent agents. Independent agents sell insurance through multiple insurance carriers. An independent insurance agent will be able to check with each of its insurance carriers and give you their best rate. Ask an independent agent which companies they quoted you through so you do not get duplicate quotes when calling around.

    A couple different online insurance websites give you the opportunity to get quotes from multiple insurance carriers too. You only need to input your information a single time to get quotes from several carriers. Getting multiple quotes at once is a huge time saver regardless if it is from an agent or online.

    How do you select the best automobile insurance quote?

    Most people pick the best insurance quote based on price. A couple of other things to consider include how efficient the agent was at getting the quote to you and explaining all the information. If you are going the online route, how did you like inputting all of the information on your own? Do you feel comfortable with all the insurance terminology?

    Just as important is whether or not the quote has the coverage you need and want. When you are getting quotes on car insurance, you should have each company run the quote a similarly as possible. It is the only way you will know which carrier has the best price for you.

    How often should you get automobile insurance quotes?

    Getting quotes often is advertised frequently. But, how often should you really be getting insurance quotes? It really depends on your relationship with your insurance agency. If you love your insurance agent and trust them whole heartedly, then maybe you should never shop for a new insurance carrier. There is something to be said for good service.

    Sometimes enough is enough when it comes to price though. And, there is nothing to say you can’t find good service somewhere else. If your car insurance premium increases significantly renewal after renewal, it is probably time to start inquiring about new insurance quotes.

    To put an actual number on it, you should check around every two to three years unless something is happening to make you unhappy with your current carrier. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate. If the price difference with the new quote is only a little bit cheaper, you should probably stick with what you have.

    Automobile insurance quotes are one thing you should be comfortable with as a car owner. Insurance rates are always changing. Checking around for automobile insurance quotes could potentially save you hundreds of dollars.



    How to Lease a Car and Get the Best Deal – Personal Finance. #auto #warranties


    #best auto lease deals
    #

    How to Lease a Car and Get the Best Deal

    Tips

    • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
    • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
    • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
    • Related How-Tos

      Feedback

      A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

      To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

      Leasing a car has some drawbacks, however. Among them:

      • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

      • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

      • Lease terms can carry steep penalties. You may have to pay penalties if:

      -You exceed the number of miles in your lease contract.

      – You fail to keep the interior and exterior of the car in good condition.

      – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

      – You want to return the car before your contract expires.

      Does a lease make sense for you?

      Leasing is more beneficial than buying when you:

      • Don’t have the cash to buy the car.

      • Want to drive a vehicle that’s out of your purchase price range.

      • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

      • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

      • Expect to lease another car when your vehicle’s current contract expires.

      Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

      How to Lease

      Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

      Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

      Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

      Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

      Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

      Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

      Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

      Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

      Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

      Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

      Related WSJ Articles and Blog Posts:



    How to Get Bank Auto Loans with Bad Credit. #auto #part #stores


    #bad credit auto loan
    #

    How to Get Bank Auto Loans with Bad Credit

    You may be here if you have bad credit and are looking for bank auto loans. People with bad or no credit have a harder time obtaining a car loan than people with good to excellent credit. However, do not fret if you have really bad credit because there are options available to you. People have different reasons for having bad credit, such as irresponsible spending habits, or unexpected medical bills. Regardless of your situation, there are lenders that are available to people with less than admirable credit ratings. These lenders specialize in bank auto loans for people with bad credit and will be able to work with you so that you can obtain a loan for a new vehicle. Your credit history is not the only determining factor when trying to get approved for a loan. Besides your credit history, some things that a private auto loan lender will look at are; current monthly earnings, duration of job, and your financial situation.

    Applying Online Many people who have no credit are ashamed to ask for a loan and give up before they even try. Did you know that there are many lenders on the Internet that are willing work with people that do not have a credit score? As a consumer with no credit, all you need to do is to fill out an online loan application and have sub-prime lenders compete for your business. The best way to get a bad credit bank auto loan is to fill out as many online applications as possible and see which lender will bite .

    Funds for Down Payment Another factor of how much you will be able to receive within your auto loan package is the amount of money that you have for the down payment on the car you are attempting to buy. Remember that a down payment is a very important determining factor when getting accepted for a loan with no credit, because a higher down payment means that there is less risk on the lender. Also, a large down payment can prove to the lender that you are a responsible individual who knows how to save and will provide evidence that you are improving your credit score.

    Seek a Co-Signer The last factor when trying to get bank auto loans with bad credit is to seek out a co-signer. A co-signer will help out your cause and will increase your chances of getting a loan. The reason why a co-signer helps when trying to get private auto loans is because they are partially responsible for the loan and the lender will also look at their income as a determining factor when approving your loan application.

    Remember that there is hope for you if you are trying to get bank auto loans with bad credit. If you follow the steps of applying for loans online, increasing your down payment, and obtaining a co-signer, then you will most likely get approved for a no (or bad) credit private auto loan.



    Helpful Tips on How to Get a Car Loan from Nationwide #automobiles


    #national auto finance
    #

    Banking Resources arrow expand

    Nationwide

    New Auto Loan Used Auto Loan Auto Loan Refinance

    CONTACT US FOR ASSISTANCE

    Call 1-877-422-6569 8 a.m. – 11 p.m. ET Monday – Thursday 8 a.m. – 9 p.m. ET Friday 9 a.m. – 5:30 p.m. ET Saturday

    Get Helpful Information on How to Get a Car Loan

    We understand that the process of getting a car loan can be confusing. That’s why we’re prepared to help you learn how to get a car loan and make smart decisions every step of the way.

    Car financing tips

    If you want to lease or buy a new or used car, first you should think about how you’re going to finance it. Auto loan financing can be a great way to afford a new car, but it’s important to prepare yourself as much as possible before making your purchase. Start by using our auto loan vs. car lease calculator to help you determine which option is right for you. We know you’re anxious to start driving a new car, but don’t lose sight of the investment.

    Getting a car loan through a dealership is not always the best option, as you can wind up paying more than necessary. Consider getting preapproved for your auto loan from a bank instead.  By knowing how much financing you have before you go to the dealership, you can keep the focus on the price of the car. Plus, being preapproved for a specific amount can keep you from being tempted by a car that’s above your budget.

    Know your credit score

    Your credit score has a large impact on the interest rate you receive for your auto loan. When you apply for a loan, lenders will run a credit report that looks into factors such as your payment history, the length of time you have been using credit and the amounts owed. The higher your credit score, the lower your interest rate may be. Review your credit score and look for any flaws in your payment history of loans, credit cards or other debt. If you can delay buying a new car for a little while, spend some time improving your credit score by making regular payments and paying off existing debt. By doing so, you’re likely to get a better interest rate on your auto loan, which means paying less on what you borrow.

    Review your budget

    Take a look at your budget to determine the amount of a monthly car loan payment that you can comfortably afford. Knowing what is and isn’t within your means will help you stay on track during the car loan financing process. You can also easily figure out your monthly car loan payments with our auto payment calculator.

    Compare prices

    If you know the make, model and year of the car you want to finance, do some price comparisons to estimate the amount of the auto loan you would need. If you don’t know what kind of car you want to buy, you can get preapproved for an auto loan using the same application. This means that when you find the right car, you’ll already have the financing in place to buy it.

    Apply for car loan financing

    At Nationwide Bank, you can finance your car entirely online at your convenience. It takes just a few minutes to get preapproved. After that, you can use Nationwide Auto Shopping Service to learn what people in your area are paying for similar makes and models. Once you’ve found the car you want to buy, you can complete the loan and sign your loan documents online.

    Save when you choose automatic loan payments

    Sign up for automatic payments on your car loan instead of paying by check each month. At Nationwide Bank, we offer a 1% discount on auto loan rates for people who choose automatic payments. That means you can save money and maximize convenience. Plus, you can choose when to make your monthly payment so it fits within your budget.



    Get Cars Japan – Fair and reliable Japanese used car exporters with professional service #auto #recyclers


    #japan auto auction
    #

    How To Buy

    AUCTION HOLIDAY NOTICE

    Dear customers, Due to August 15th being  major festival in Japan known as O-Bon, there will be very few auctions running August 10th to August 15th. As usual, Get Cars Japan will be monitoring communications, and accepting bids for any auctions that are open. All auctions will be back to [Read More. ]

    Negotiation fee change

    From July 2015, USS auction group have changed their negotiation fee from 5,000 JPY to 10,000 JPY. At this stage most other auctions still charge 5,000 JPY. Up until now, we have added 5,000 JPY to the auction purchase price for cars purchased through negotiation. NEW INVOICING STRUCTURE [Read More. ]

    This is what we do !

    Last week a customer bid on this classic BMW 8 series coupe and it passed on his bid of 345,000. (He bid the highest but the reserve price was higher). The minimum offer to negotiate after the auction was 460,000.  He considered offering this but we advised him to wait a week as sellers often set [Read More. ]

    Buyers Beware

    Accident car transport fees:

    One Price

    Importer prices not much more than auction price?



    Wholesale used cars at wholesale auto prices for Cars, Vans, Trucks, SUVs, get Wholesale Auto Dealer Auction Prices at Washington DC metro area auto wholesaler, Used Car Wholesale Auction Prices everyday #auto #kopen


    #auto prices
    #

    13740 N Nebraska Ave. Tampa, FL 33613. (813) 333-9099

    Wholesale used cars at wholesale auto prices for Cars, Vans, Trucks, SUVs. Get Wholesale Auto Dealer Auction Prices at THE Washington DC and Tampa Bay metro area’s auto wholesaler. Used car Wholesale Auction Prices everyday, serving the entire United States. Located in Tampa, Florida with distribution centers in the Maryland, Northern Virginia, and Washington, D.C. areas

    Welcome to OrderACar.Com, Your “No Hassle” Way Of Getting The Exact Car, Truck, Or SUV You Always Wanted, At Wholesale Prices!

    Wouldn’t you love to buy the vehicle you always wanted at the absolute lowest price possible? How about at dealer wholesale prices? Well, now you can, through Orderacar.com. Orderacar.com is specifically designed for the educated consumer who wants VALUE, but does not want to compromise on QUALITY or SERVICE. We work much like a real estate agent, doing all orders for just 5% over the actual cost of the vehicle. ($750 minimum) We even show you the invoice from the auction.

    Here’s An Important Fact About The Auto Industry That Dealerships Don’t Want You To Know!

    Dealerships acquire most of their cars at, Dealer Only, wholesale auto auctions, not from trade-ins. These wholesale auctions are closed to the public. They offer the best value anywhere. Orderacar.com, will be YOUR representative at one of these Wholesale Auctions. We become your eyes and ears. You can order a high quality, fully inspected, CarFax Certified vehicle and save thousands over a traditional dealership. These are the same pre-owned vehicles that end up at your local Lexus, Mercedes, Porsche, BMW, Acura, Infinity, Cadillac and Carmax dealerships. ONLY THOUSANDS OF DOLLARS LESS!

    Since we keep our overhead extremely low, and avoid ALL advertising and inventory costs, through our unique ordering process, we are able to offer you what traditional dealers can’t! We also keep a small inventory of cars in stock which we are able to offer at incredibly low prices! These cars have all been thoroughly reconditioned, equal to, or better than, what you will find at your local dealership, ONLY THOUSANDS OF DOLLARS LESS!

    Contact Order A Car.Com 813-333-9099

    The OrderACar.Com Process :

    Simply tell us the year, make, model, and maximum mileage, of the vehicle you desire and we will email you a list of potential vehicles and discuss budgets.

    Once you find the perfect vehicle, we set a maximum budget (your final price could be lower then the budget). If everything is acceptable, you provide a $1500 refundable deposit. This is usually done with any major credit card. The card is not actually charged and NO money is changing hands, this way you are totally protected.

    Assuming the vehicle meets our high standards, we make sure it is “Carfax Certified” (Accident Report, Mileage Verification, Lemon Check, Number Of Owners, etc.).

    We will purchase the vehicle with our money, assuming we can buy it for equal to, or less than, your budgeted price.

    Your vehicle will go through a comprehensive inspection and re-conditioning process as outlined in our buyers order.

    You pay for the car after you have seen and test driven it. If you are not local, then the vehicle is paid for prior to shipping.

    Need to have the vehicle shipped? We have arrangements with National Trucking Companies that can ship the vehicle directly to your front door and still save you thousands.

    Order ANY Make Or Model Through Our OrderaCar.com Service.

    Give us a call and let us know what you are looking for, if you are not local, we may be able to aquire a car at an auction local to you and save you on shipping!

    Prices do not include title fee(s), tag fee(s), 199 dealer fee, or taxes.



    How to Get to The Chicago Auto Show #used #cars #under #1000


    #chicago auto show
    #

    How to Get to The Chicago Auto Show

    Chicago Auto Show

    The 2014 Chicago Auto Show is held at McCormick Place, which is located at Lake Shore Drive at 23rd St. Navigation system users will want to use the following street address: 2301 South Martin Luther King Drive, Chicago, Illinois, 60616. See below for detailed directions to McCormick Place or Map it .

    Parking is also available at McCormick Place and at Millennium Park Garage on weekends and President’s Day (Feb. 17). For more information on parking at the Chicago Auto Show, click here .

    McCormick Place is easily reached by car or public transportation. There is extensive shuttle bus service from all area parking lots to and from McCormick Place, and Weekend and Presidents Day shuttle service from the Millennium Park Garage. Weekend shuttles stop in 10-15 minute intervals near Lower Randolph and at Gate 3 at McCormick Place. For more information on parking, click here .

    Driving Directions to the Chicago Auto Show

    FROM INDIANA Via the SKYWAY: Take the Indiana Tollway, I-90 West, to the Chicago Skyway, to the local traffic lanes of the Dan Ryan Expressway, I-94 West to the Stevenson Expressway, I-55, North to Lake Shore Drive South, and follow the signs to McCormick Place.

    FROM INDIANA Via I-80/I-94: Exit I-80/I-94 on the Bishop Ford Expressway and proceed to the Dan Ryan Expressway, I-94 West to the Stevenson Expressway, I-55, North to Lake Shore Drive South, and follow the signs to McCormick Place.

    FROM the NORTH, NORTHWEST or O’HARE AIRPORT: Take the Edens Expressway, I-94, East to the Kennedy Expressway, I-90, East to the Dan Ryan Expressway, I-94 East. Continue east on the Dan Ryan, keeping to the right, exit North on the Stevenson Expressway, I-55, to Lake Shore Drive South and follow the signs to McCormick Place.

    FROM the NORTHWEST or O’HARE AIRPORT: Take the Northwest Tollway, I-90, East to the Kennedy/Dan Ryan, I-94, East to the Stevenson Expressway, North, I-55, to Lake Shore Drive South and follow the signs to McCormick Place.

    FROM the WEST: Take the Eisenhower Expressway, I-290, East to the Dan Ryan, I-94, East. Keep to the right and exit on the Stevenson Expressway, I-55 North. Proceed to Lake Shore Drive South and follow the signs to McCormick Place.

    FROM the SOUTH: Take the local traffic lanes on I-94 West, the Bishop Ford Expressway, to the Dan Ryan, I-94, West to the Stevenson Expressway, I-55 North to Lake Shore Drive South and follow signs to McCormick Place.

    FROM the SOUTHWEST or MIDWAY AIRPORT: Take the Stevenson, I-55, North to Lake Shore Drive South and follow the signs to McCormick Place.

    BIKE: McCormick place has direct access to the Lakefront Trail. Bike parking is available along the Lakefront Trail. For more information on Bike access and the Lakefront trail, please visit http://www.chicagobikes.org.

    Parking at the Chicago Auto Show

    McCormick Place offers on-site parking. There are three main McCormick Place lots. A, B C. Lot A C are $21. Lot B is $14. All McCormick Place lots are $10 after 6 p.m. during Chicago Auto Show dates only. Parking fees can be paid by cash or credit card; VISA, MasterCard and American Express are accepted. Parking lots are open throughout event hours. Overnight parking is not available, and there are no in-and-out privileges.

    SATURDAYS, SUNDAYS PRESIDENTS DAY (Feb. 17). ONLY the Chicago Auto Show operates free shuttle bus service to and from the Millennium Park Garage. On these days only parking rates at Millennium Park are $18 per 12 hours with validation. Validation will be provided as you exit the shuttle. Parking fees can be paid by cash or credit card; VISA, MasterCard and American Express are accepted. Parking lots are open throughout event hours. Overnight parking is available at posted rates. The automobile entrance for the Millennium Park Garage is on South Columbus Drive between Monroe Street (from the south, heading north) and Randolph Street (from the north, heading south).

    Furthermore, free shuttles stop in 10-15 minute intervals at the Lower Randolph pedestrian exits. For more information visit www.millenniumgarages.com.

    Public Transportation to the Chicago Auto Show

    CTA

    Chicago Transit Authority bus routes are a convenient travel option for those heading to the 2014 Chicago Auto Show at McCormick Place from the North and South beginning Saturday, February 8, 2014 through Monday, February 17, 2014. Bus service is available during all hours the show is open.

    CTA’s #3 King Drive and #21 Cermak bus routes provide direct service to McCormick Place.

    #3 buses supplement service will operate between Fairbanks/Ontario and McCormick Place, operating every 20 minutes from 5pm to 11pm on weekdays (5pm to 10pm on the last Monday, February, 17), and from 9am to 11pm on weekends.

    #21 buses supplement service will operate between the Halsted Orange Line Station and McCormick Place, operating every 20 minutes from 9am to 11pm on weekends.

    CTA Auto Show Service

    CTA also will operate bus routes dedicated to Auto Show service. The routes will run from 9 am to 11 pm every 12 to 20 minutes on weekdays (9am to 10pm on last Monday, February, 17), and 9 am to 11 pm every 10 to 20 minutes on weekends. The routes will provide convenient connections with CTA’s rail lines downtown and Metra lines at Ogilvie Transportation Center and Union Station.

    From Union Station, the shuttle stops at Clinton/Quincy and Jackson between Canal and the Chicago River. For passengers returning to Union Station, the shuttle stops at Adams/Canal.

    From Ogilvie Transportation Center on Clinton at Washington, the bus will be making stops south on Clinton to Jackson, and east on Jackson to Wabash. The nearest shuttle stops to the Jackson-Blue Line station are Jackson and Dearborn going toward Auto Show, and Adams and State going toward train stations. A stop is also made on Columbus at 11th to serve the Museum Campus.

    From Columbus and 11th, the buses run express to McCormick Place. Customers can connect to buses on Jackson from the Blue Line at Dearborn, the Red Line at State, and from Brown, Green, Orange and Pink Line trains serving the Adams/Wabash station (one block north of Jackson). The shuttle connects to the Red Line at Jackson Red Line station. Nearest shuttle stop is Jackson and State going toward Auto Show and Adams and State going toward train stations.

    CTA Fares

    For bus customers who use CTA fare media, fares are $2 and transfers are an additional 25 cents. For rail customers the fare is $2.25 and transfers are an additional 25 cents. Single ride from O’Hare is $5. The fare for bus customers paying cash for a single-ride is $2.25. Transfers are not available for customers paying fares in cash. Student reduced fare for ages 7-20 with a valid CTA Student Riding Permit: 1st ride is .75 cents and transfer is .15 cents between 5:30am and 8:30pm.

    For further information about CTA service, call 836-7000 (all local area codes) or visit the CTA web site at www.transitchicago.com.

    METRA Train

    Metra service from the north, west and southwest suburbs connects to McCormick Place via CTA bus (see above).

    Metra Electric Line service from the Loop and southern suburbs and South Shore service from northeast Indiana stops on the lower level of McCormick Place. Parking at Metra and South Shore stations is best in the evenings and on weekends. Metra offers a $7.00 round-trip pass on weekends.

    For all schedule and fare information call RTA Travel Information at 836-7000 (all local area codes) or visit http://www.rtachicago.com/ .

    Published at 4:43 PM CST on Feb 6, 2014



    Nice Car For Cheap – Get Quick Car Insurance Quotes Online #auto #junk #yards


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      For the day time television commercials. car insurance quote in south africa To do all the expenses which will allow you to. The no claims discount, cover for fire and theft on your insurance company needs to be covered such. auto insurance agencies in ri Need to reduce the legwork for you. Agency because of theft is a pen and paper and plastic on the designated person. Covers are useful to have a claim than older more experienced drivers. Of these things done, and wishing red lights and airbags are now responsible for what, this amount flows into point two. And getting a collection that was on main street.
    • Answered by yourself for trade journal flight international. $650 million in coverage on your car for some reason most tend to continue with just that. Your resources, income and budget. Of how to find the top of this article. Operate legally on the road and usually third party insurance. This will save you money on your skills, particularly defensive driving. Physical insurance agency lead management software systems to consider purchasing only the financial options available to you. Their research done online with your children – as the old traditional ways. Rates depending on the roads in your area – even worse – this is quite expensive. Be more cost-effective option than going by reports from each customer. Not cover your own work to make an upfront deposit. Car in order for the most insurance companies has opened up websites. Find a new car insurance providers like ais, mecury or the stig want to gather more and more affordable insurance. Overall? let’s briefly go over $5000.

    Require less coverage than others, and the various features covered and the like. Want to find a way to reduce premium up front. They will most likely to drive at all, insurance companies compete. Tell you how much you should be prepared to be an optional benefit which live. And identify insurance companies that offer affordable policy. Get a moving or stationary object. Purchasing car insurance for some the most important possession a driver without insurance will require that you want to on. To gain a better price for commercial purposes.

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    North Carolina Bill of Sale Form: How to Get One, Fill it Out, and the Required Information #auto #action


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    North Carolina Bill of Sale Form: How to Get One, Fill it Out, and the Required Information

    January 27, 2012

    In North Carolina. a bill of sale is not a requirement for you to sell a car. However, if you are contemplating selling a vehicle it is probably an idea to consider strongly.

    An NC bill of sale form is not mandatory to be filed in the state. Strictly speaking, the only document you need to conduct a car sale in North Carolina is a correctly filled out and notarized certificate of title. The certificate of title assumes that you are the owner of the vehicle and the vehicle will be transferred to a second party for a specified amount.

    Vehicle Bill of Sale Template

    If you file a bill of sale form, the information on the form needs to include the name and address of the owner, the make and model of the vehicle being sold, and an accurate mileage at the time of sale.

    Because this is a written agreement, it is a very good idea for you to ensure that:

    1. The check used to close the sale clears the buyer’s bank; as pointed out in various blogs there are some very nasty sales scams occurring at the moment involving used car sales.
    2. All the fields are filled out correctly.
    3. The transferee on the title is listed as you, the owner.
    4. The person to whom the vehicle is transferred is the buyer.
    5. The mileage is accurate, for which you may ask a police officer for an affidavit, just in case the question comes up.

    Why Use a Bill of Sale

    A bill of sale is an official and legal document which helps you before all legal and final papers are prepared. You should use a bill of sale because it offers a measure of protection to the seller as well as the customer. For example, if you were to sell a vehicle and after three or four days the buyer was to try to back out of the deal, then you have a legal document to which to refer that solidifies the purchase. If the buyer took your car for a test drive and brought the car back with damage, you can also ask for extra money and prove the earlier condition of the car with the help of the bill of sale. It is also suggested that you take good pictures of your car while making the sale.

    Likewise, if the buyer has issues that must be addressed before a sale can be finalized, those issues can be addressed in a bill of sale that will give the seller coverage in case the buyer decides it is not the vehicle that was represented.

    How to Get a Bill of Sale Form

    This form can be found here. The site provides you with a form that you can use as a North Carolina vehicle bill of sale template. Be aware, though, that this is not a free option, it’s a “fee” option.



    How To Get Cheap Full Coverage Auto Insurance Quotes #auto #window #replacement


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    Cheap Full Coverage Auto Insurance

    Cheap full coverage auto insurance: who wouldn’t want it? You get to pay hundreds of dollars less per annum, and still enjoy the same coverage as the other person driving the exact same car as you! However, getting such a great deal isn’t that straightforward. After all, if it was that easy, nobody would be complaining about the premiums they’re paying every year!

    You love your car, why not make sure it is insured under all circumstances?

    What Is Full Coverage Insurance?

    The term full coverage can actually be a bit misleading.  Many people use this phrase to describe an insurance policy that includes all insurance types offered from one insurer.  The problem with doing so, is that one insurer s full package might include insurance types that another insurer does not or vice-versa.  To make it simple, when we speak about full coverage auto insurance here at forautoinsurancequotes.com, we refer to an insurance policy that includes liability coverage, collision coverage, and comprehensive coverage .

    You may be thinking that full coverage insurance, or a policy that includes liability, collision, and comprehensive coverage, is probably pretty expensive. Fret not, though: here, we’ll tell you what you must do to get those cheap full coverage auto insurance policies. It isn’t straightforward, but with a little bit of effort on your part, you’ll see your premiums fall to an all-time low!

    If you get into an accident like the one below, you might need full coverage auto insurance to make sure you cover all the loose ends. Continue reading below to learn how you can get this type of insurance at a low cost.

    1. Clean Up Your Driving Record, Son!

    It isn’t hard to see that a spotty driving record inflating your auto insurance premiums. Although the past is never a good predictor of the future, it is fairly safe to say that a few points under your name will indicate to insurers that you’re probably a reckless driver that has a higher probability of getting into an accident –  and thus claiming the insured sum from your insurer. And the one thing insurers don’t like is to pay out dozens of times to the same person, because, well, it hurts their bottom line.

    It’s easy to clean up those demerit points you have under your name. For one, join a defensive driving course! Check your state’s DMV website for more details; such a course usually removes 3-4 demerit points off your record.

    Of course, it’s equally important to make sure you’re not getting even more demerit points – drive safely, don’t drive under influence and really practice defensive driving techniques!

    2. Stop Making Claims For Small Damages

    It’s best if it doesn’t happen, but there are times where you’re involved in really small accidents with another vehicle. It’s a really small bump, though – it might just be a small scratch, nothing a simple paint job can’t handle. If that’s the case, don’t claim from your insurance company for such miniscule claims!

    The reason is simple: every time you try to claim from your insurer, your insurer will jack up your premiums by a certain amount for the next few years. Every claim you make will increase the premium by a set amount. In extreme cases, your insurer may even stop insuring you altogether!

    As such, don’t always claim when you can help it; try to settle the damages and repairs without involving the insurers.

    3. Don’t Send Out Too Many Requests For Auto Insurance Quotes!

    Here’s a quirky little fact: when you send out many different applications to different insurance companies, you might get an increased premium from all of them than if you had asked from just one insurer! This is because sending many applications increases the number of times the insurers have to request a credit rating agency to rate your credit score. It seems that a high frequency of requests for credit scores (typically 7 – 10 within a short period of time) places you in the “high-risk” category – the reason is still unknown.

    As such, instead of sending out requests for quotes directly to companies, get your quotes online! Here at forautoinsurancequotes.com. we do not require you to provide us your social security number; only the bare minimum is required from you before we start generating your cheap full coverage auto insurance quotes. Start getting these quotes now by keying in your zip code at the top of the webpage!

    Additional Resources For Cheap Full Coverage Auto Insurance

    • Cars Direct Full Coverage Insurance Guide Full coverage car insurance explained
    • Wiki Answers What is full coverage auto insurance?
    • Allstate Learn about auto insurance coverage types from Allstate


    How To Get Pre-Approved for a Car Loan on #repo #cars #for #sale


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    Pre-Approvals Make Car Shopping Easier

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    In a perfect world, we would all pay cash for our cars and never have to worry about debt or monthly payments. We would likely negotiate the sale price more aggressively with the salesman, because he would know that we had the money and could take our business elsewhere at a moment’s notice. In the real world, however, only a small percentage of people are able to save up enough cash to pay for a car in full. The rest of us have to finance.

    The problem with starting your car financing at the dealership is that you don’t know whether the loan you’re being offered is the best financing you can get. It can also complicate the negotiations and limits where you can shop to get the best price. The best way to counter this is to get pre-approved for your car loan. Getting pre-approved for a car loan is the closest you can come to the perks of paying with cash while not having to save up for months or years in advance.

    Where Can I Get Pre-Approved for a Car Loan?

    Auto loans are available from traditional banks (Chase, Wells Fargo), credit unions (Navy Federal, Boeing Employees Credit Union) or an online lender such as Up2Drive. Capital One or Blue Harbor. The interest rates and requirements will vary by lender, so it doesn’t hurt to shop around. Lenders will finance new cars and used cars, and some also offer car refinancing .

    What Are the Requirements?

    The advertised interest rates you’ll see on Web sites are usually reserved for those with good credit. If you have poor credit, however, there are still options. Lenders such as Auto Credit Express and Roadloans.com are more willing to take chances on consumers with shaky credit. The rates will be higher, but at least you’ll know what you can afford.

    If you haven’t looked at your credit score in a while, it is a good idea to do so. This will let you know what to expect when you’re applying for a loan. All consumers are entitled to one free credit report per year.

    Once you’re approved, the lender will give you the total you are allowed to spend and the interest rate for which you were approved. What you do next will depend on whether you are buying a new or used car.

    If you know the exact new car you want to buy, you negotiate for the car as you normally would and the dealer will get in touch with your lender to arrange payment. Some lenders have a list of approved car dealers, so make sure you verify that the place you are doing business with is on the list.

    If you are undecided about what new car you want, many lenders will give you a sort of “blank check” that isn’t limited to a certain car or dealer. The check isn’t truly blank, because its maximum amount will be the one for which you qualified. With this check in hand you can now visit multiple dealerships and test-drive as many cars as you want before making a decision on what to buy. Once you’ve found the right car for you. hand over your check and the dealer will make the arrangements with your lender.

    The requirements for buying a used car are slightly different. Most lenders will specify that the car must be purchased at a franchised dealership. This rules out buying from private-party sellers and independent dealerships. There are also restrictions on the age and mileage of the vehicle. Capital One. for example, says borrowers can only finance up to  $40,000. The vehicle must be 9 years old or newer and can’t have more than 100,000 miles on the odometer.

    If you wanted to buy a used car from a private seller or independent dealership, you would have to take out a personal loan, which usually carries much higher interest rates.

    Why Get Pre-Approved for a Car Loan?

    Pre-approval might seem like an extra step in the car buying process (which already has plenty of them). But there are good reasons to take a little extra time to get a pre-approved car loan:

    • It encourages you to stick to a budget: A pre-approval notice will let you know exactly how much you can spend. Keep in mind that you will need to account for taxes and other fees. In other words, if you have been approved for a $30,000 loan, try searching for something that costs a few thousand dollars less.
    • It allows you to compare interest rates: There’s no guarantee that you’ll get the best rate by getting pre-approved, but at least you’ll have a baseline to compare with the rates that dealerships offer you. It is likely that the dealer will try to beat the interest rate you already have. You can either tell the dealer you’re not interested or fill out the dealer’s credit application to see what’s offered. Automakers often offer highly subsidized loan interest rates as a means of getting people to finance with them. We keep track of these advertised rates on the incentives and rebates page on Edmunds.com, and it’s a good idea to check them.
    • It simplifies negotiation: Once you’re pre-approved, you can shop for the car as if you had a check in your pocket. This helps you keep focused on the actual selling price of the car, rather than keeping track of the interest rate, down payment, loan term and trade-in. When asking for the price on the car, you can simply ask, “What’s the ‘out-the door’ price on this car?”
    • It reduces the risk of spot delivery complications: “Yo-yo financing” occurs when a dealer allows a consumer with shaky credit to take possession of a vehicle without the financing being fully sorted out. A few days later, the buyer gets a call from the dealer saying that the loan was not approved and that he has to bring back the car to either re-apply for a loan (usually with higher rates), or worse, come up with a larger down payment. Buyers can avoid situations like this if they have been pre-approved for a loan.
    • It saves time and hassle in the finance and insurance office: Car buyers dread the finance and insurance (F theoretically should be cut in half. And when the F


    How to Get a No Credit Car Loan #where #to #buy #used #cars


    #no credit auto loans
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    Things You’ll Need

    Financial and professional references

    Set up some accounts in your name to prove that you are responsible with your money. Most credit agencies will look favorably upon someone who has home utilities and a cell phone account in good standing. You may be able to get a reference that says you pay your bills on time.

    Open a checking and savings account. If you don’t overdraw your accounts or write bad checks, then your bank should write you a reference to help you get a no credit car loan.

    Ask your employer for a statement of proof of employment. This document should say how long you’ve been working for this company and the likelihood that you will have this job for the next few years.

    Speak with friends and family members to find someone to cosign your no credit car loan. Get someone with a good credit ranking to be your cosigner.

    Look for different no credit loan options at various banks and credit agencies. Your bank might be able to finance your loan if you have been in good standing with it for a few years. Ask about the possibility of refinancing your loan for a lower rate after you build up credit.

    Make your no credit car loan payments on time. Timely payments will help you build a good credit history and open up more possibilities for loans in the future.



    Get ** THE CHEAPEST CAR INSURANCE ** deals for smart drivers! #lewiston #auto


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    Looking for The Cheapest Car Insurance

    Liability car insurance is required by law, but there are other reasons to carry a policy. Most lenders require full coverage insurance if you are buying a car. Plus, it protects you in the event of an accident even if you are not at fault. However, car insurance often is expensive and can take a chunk out of the budget, especially if you have more than one driver or multiple cars.

    Time-consuming and Challenging

    Looking for the cheapest car insurance can be a challenge for the busy person. It requires them to input their information over and over on various company websites or call insurance providers to get quotes. In the end, many people get frustrated and settle for the first reasonable quote they receive. Unfortunately, they may be missing out on a good deal because they didn’t have the time to spend on research.

    With our site, you don’t have to take up your valuable time shopping for prices on insurance coverage. Just use our site to do the comparison for you. You enjoy the benefit of inputting your information one time and receiving multiple quotes that are relevant to your needs. With this method, you end up saving time and money.

    Accurate Information for Accurate Rates

    The key to getting the cheapest car insurance possible is to put as much information as you know to get more accurate quotes. For instance, including your zip code allows us to search for quotes based on where you live, which can have an impact on the prices you receive. By providing as much information as possible, you can view the results in the comparison chart and know where you save the most money.

    When you use our comparison site, you end up with rates that are a true comparison. The coverage is the same or similar for each of the companies, which helps you to recognize where you are truly getting the best deal. This allows you to select affordable coverage instead of limiting yourself to the least expensive policy you can find on your own. When looking for the cheapest auto insurance, you can make sure that your policy limits are what you want them to be, giving you peace of mind while staying within budget.



    Get Online Auto Loan Quotes #auto #locator


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    Auto Loan Quotes Online

    A new car is usually one of the biggest investments you will make, second only to purchasing a home for most consumers. In fact, the National Automobile Dealers Association reports that the average cost of a new car is now $28,400. Very few people can afford to pay this kind of money in cash, which is where car loans can help. On onlinequotes.com, we will provide you with up to five free quotes on car loans so you can find the perfect loan for you.

    Upside-Down on Your Car Loan

    Being upside down in your car loan is typical for many Americans. There are ways of avoiding that negative and uncomfortable position, however if you are prepared when you buy your car.

    Which is Best: Auto Loan or Auto Lease?

    To lease or to buy a car? It really all depends on what you plan to use the car for and how long you plan to keep it. Find out the benefits and negatives of each.

    Can You get an Auto Loan with Bad Credit?

    Are you one of the thousands of people who have a less than perfect credit score? Don’t worry, you can still qualify for an excellent auto loan with a bad credit score. Learn about some of the ways you can get around your bad score here!

    Get an Insurance Break for Driving a Hybrid

    There are a number of reasons to drive a hybird vehicle, aside from the obvious reason: to leave less of a footprint on the environment. The federal government is now offering tax incentives for purchasing these vehicles, which is just more incentive to take advantage of the cost savings.

    A Brief History of Porsche



    Direct Auto Insurance l Get Cheap Direct Auto Insurance #auto #parts #express


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    Compare Offerings From Firms Like Direct Auto Insurance

    While numerous insurers like direct auto insurance can offer many different coverages, it helps to learn more about different providers and the plans they offer. It is faster and easier to obtain numerous online insurance coverage quotes from the best companies that are approved and regulated by the respective state insurance coverage regulatory authorities so consumers know they are getting a bargain on a great policy. Because online advertising has reinvented the method customers use to get in contact with insurance companies, it is possible to obtain a variety of policy estimates from the finest insurers in the country using the internet.

    Suppliers for this company consider other factors which are not related to your own driving, including age, marriage status and gender whenever computing your own personal yearly premium. The vehicle insurance costs you pay depend on how old you are and if you are male or female. Young, unmarried males can easily pay much more in quotes since they are viewed as a greater danger. In contrast, married adult females who are older than 25 will likely spend less for their car insurance coverage.

    Lots Of Insurance Companies Compete With Direct Auto Insurance

    Not all companies underwrite all kinds of coverage, and some concentrate on certain protections, so customers have to do their homework and be certain they have gotten as many policy quotes as possible from a large variety of companies. A great deal of policy suppliers will just offer life insurance or wellness insurance only and not vehicle or home policy or other policies. But, there are several businesses that underwrite plans for all sorts of coverages which are at least the majority of the four standard types in order to keep as much business under one company as possible. Specialized providers have especially great rates on a specific sort of ins. policy in which they might specialize, such as high-threat vehicle insurance or home insurance for older structures.

    Viewing websites will certainly help you discover the most affordable ins. rates possible. Using many other products may be of help when negotiating vehicle insurance quotes from several insurers. Numerous insurers are prepared to provide discounted rates if you re an active buyer. Therefore, it is essential to go to your current insurer when you are evaluating more cost-effective car insurance rates. If you have a variety of policies such as property policies and even life insurance while using the same carrier, they will often offer discounted quotes up to 20% concerning vehicle insurance rates. Sometimes being faithful for the same insurance firm can earn you a customer loyalty incentive which translates to lowered quotes on car insurance.

    Insurance Companies Like direct auto insurance Are Run In Other Manners

    Insurance policy companies and numerous corporations are constructed with large divisions with many people who are in charge. Numerous insurers generally are managed by a board of directors which makes decisions on how a company is run and who will be the presidents of them. When people who purchase policies likewise are considered co-owners of a coverage business, that business is a shared provider and is partially regulated by the policy holders.

    Another crucial factor will help you acquire reduced car insurance rates is if you have a good credit score. A good credit score signifies that you are a lower risk probability and the company is less susceptible to losses. This places you into their good books and ensures they will reward you with inexpensive vehicle insurance rates. One other method will be including other products and solutions in your policy—for instance, roadside assistance coverage.

    Businesses that underwrite policies for liability, home and automobile insurance policy are property casualty insurers. When insuring houses and automobiles simultaneously, companies will often apply rate discounts of 15 percent or more and assist you in saving money. When an insurance provider focuses on just one sort of coverage, it will excel at it in order to outdo its rivals and obtain even more consumers.

    Auto Insurance Providers Are All Around

    There are no issues with the kinds of auto insurance companies. Meanwhile, there are some companies that may not supply policies for healthcare, but the law forces everybody to have medical insurance. A great deal of health insurance companies will underwrite plans in only some states and do not cross state lines when it concerns offering policies since doing so would incur more regulative oversight, rather than satisfying the legal requirements of one state. Some medical insurance policies have stringent limitations on when, where and exactly how healthcare services can be used, unless there is a health emergency.

    Making use of automobile insurance quotes comparison internet sites lets you pick the coverages you want and also the deductibles you might be comfortable with. This is a helpful tool for receiving reduced quotes. Simply by raising your deductible, you can expect to pay out much less on your car insurance costs if you make a claim. By following the points outlined on this page, you put yourself in a good spot to pay reduced vehicle insurance rates. Utilizing on-line comparison web-sites allows you to customize the type of coverage you need, select a deductible you might be pleased with and helps you get the finest car insurance rates. Hopefully this site will give suggestions for cheaper car insurance.

    1. Individual Profile

    All coverage companies use these details to identify the general premium. The company will compute the maximum expense for repair work in case you are in an automobile accident. The company will also examine any previous mishap in which you were involved in, your convictions record and your driving license with your driving record

    2. Financial condition

    Some companies in some states use credit details to identify premiums and other concerns for the insurance plan. Particular businesses might decline protection or cancel your renewal if you have a bad credit score. It is best to evaluate your credit score and enhance it to prevent a costly premium.

    3. Kinds of Coverage

    Particular types of protection are optional, while others are required by every state. Accident protection covers the damages to your car after a mishap, regardless of who caused the accident. If you purchase optional protection, the total rates will increase.

    4. Insurance deductible.

    It is the part of any loss that you need to pay in the event of a mishap or injury. Tax deductibles may differ depending on the protection you purchase. A greater deductible brings more affordable premiums. For instance, a person with a tax deductible of $350 pays a smaller premium compared to an individual who has a tax deductible of $100.

    5. The company.

    Of course, various companies can charge differing automobile insurance coverage estimates. It is potentially reckless to simply select a business based on their inexpensive car insurance quotes only.

    Obtaining Rates Over The Internet Is Easy

    When you want to purchase a policy from suppliers that are similar to direct auto insurance. it is simple to get numerous free online price quotes in a short time by using this complimentary online resource. When individuals can assess the estimates supplied by separate insurance companies, it makes it easier to select the best one with the best plan for the best rate. While numerous companies will respond with their finest offerings, there is no certainty any one particular business will respond with an online insurance coverage quote, no matter however many of its competitors will respond with policy alternatives.

    Find out more on direct auto insurance  at Wikipedia.



    Car Insurance Calculator Online – Get Free Estimates #auto #mall


    #online auto insurance
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    Car Insurance Calculator Online

    A car insurance calculator is a handy online tool that consumers can use to get connected with car insurance companies, acquire quotes and determine the type of coverage they desire. Because car insurance rates vary a lot and are dependant on numerous variables a calculator for car insurance can be very helpful.

    Not all free car insurance calculators are the same and consumers need to understand that along with providing them with information they are also tools that insurance companies use to generate more sales. There’s nothing wrong with an insurance company trying to connect with new customers. In fact, sites that offer calculators are creating a competitive marketplace that favors the consumer, as insurance companies vie for business by offering rates that can easily be compared to those of other companies.

    Benefits of Calculators

    Auto insurance calculators are useful for many reasons. A quick checklist of benefits includes:

    • Rates specific to the state in which you live.
    • An overall view of rates in relationship to criteria specified by you.
    • The ability to compare rates between companies.
    • The opportunity to compare rates by changing your coverage.
    • Best rates available, as companies compete for your business.

    What Affects Your Rate?

    Rates are affected by numerous variables. Some of which you can control and others of which you have no control over at all.

    Variables that affect rates include:

    • Your age and sex
    • The state in which you reside
    • Driving habits
    • Length of commute
    • Number of miles on your car
    • Average miles driven per year
    • Number of vehicle accidents
    • DUI convictions
    • Moving violations such as speeding
    • The make, model and year of your vehicle

    Other factors include how many drivers are in your household and the age of each. If you add a teen driver to your car insurance policy, your rates will go up quite a bit since they are such a poor risk.

    The other things that will greatly affect your rate is the coverage you elect and your deductable. If you choose a $250 deductable, you’re going to pay a lot more than if you decide to go with $500. The higher the deductable the lower the rate.

    With other aspects of coverage, the more coverage you elect the more your rate goes up. As an example if you choose $250,000 in liability, you’ll pay a lot more than if you go with $100,000. Why would you choose to go pay for more liability coverage? There are a few reasons.

    First, there’s peace of mind. The fact is in an accident you can find yourself liable for $500,000 or more in damages, which might include destruction of property and injuries to those in your vehicle or other vehicles, including pain and suffering and hospital bills.

    Thus, although it’s cheaper to go with less coverage, consumers need to realize that doing so can put them in greater jeopardy in the event of an accident. That’s one thing a car insurance calculator won’t tell you. It will simply inform you of the price and not the possible positive or negative effects of choosing a specific level of coverage.

    Calculator Basics

    Car insurance calculators that ask you to input as much relevant criteria as possible will give you the most accurate quotes and estimate your insurance rates. It will take a few more minutes to use these calculators but in terms of results, they’re worth the time.

    The first thing you’ll be asked for is your zip code. After that, you’ll be asked a series of questions in relationship to establishing who you are, such as a single, male age 21 years old or a married male age 42. By answering these simple, factual questions, you’re beginning to fill in the blanks of your insurance profile in order to get quotes that are specific to your situation.

    You’ll also be asked to give your email, street address and phone number. This allows insurance companies to contact you and also enables the site to immediately send results to you via the web.

    You’ll then be asked various questions relating to your lifestyle, driving record, the vehicle you drive and amount of coverage you’re seeking. Some calculators will have an icon that you can click to get more information on a question, enabling you to answer it with accuracy.

    Once you input the information, you may receive quotes immediately, but more likely information will be emailed to you. Both may occur. Usually, consumers receive three to five quotes and/or companies to contact.

    Insurance Company Contact

    You will be able to contact insurance companies if you’re interested in their coverage. If you do so, you should have questions related to your coverage. You may want to get quotes adjusted to more or less coverage or discuss multiple policy discounts that are given when a client purchases more than one type of insurance from the same company. Also, this is a good time to see if there are any additional discounts for which you may qualify such as safe driver, AARP or AAA.

    How to Shop Online with a Calculator

    A few quick tips will help you make the most out of using an online car insurance calculator. These include to:

    • Have all necessary information handy, including that on your vehicle(s), driving record and coverage specifications
    • Be honest regarding your driving record
    • Be accurate regarding miles driven per year and other driving habits.
    • Know and offer necessary information about other drivers in your family, such as birth date, driving record, etc.

    Coverage Levels

    When it comes to your state coverage requirements, there are 3 main categories to examine. They are Bodily Injury , Property Damage. and Under/Uninsured Motorist Bodily Injury. These are the areas where states differ in the amount of minimum coverage that is required for each of the 3 areas. The higher the coverage the higher your monthly premium will be but securing your financial well-being will be in a lot better position in the result of an accident.

    The Choice is Yours

    When you calculate car insurance online, you will now have the power and you’ll be able to compare quotes and coverage s and be better informed. There’s power in information and the more specific the information the better. Then the choice is yours regarding which car insurance company you chose and the type of coverage you elect. A car insurance calculator is a huge help to consumers everywhere. Use one to get the best rates possible. If you need help with other financial related calculators.



    Auto Transport – Car Shipping – Get Auto Moving Quotes at #auto #shops


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    Find Auto Transport Companies from Top Cities

    When moving to a new home, you might find yourself in need of auto transport services. If you are unable to take your vehicle to the new home yourself, you can rely on an auto moving company to get it there for you. Fortunately, Movers.com has a large network of the best auto moving companies in the country that can take care of all your auto transportation and car shipping needs.

    Our extensive network of auto transport companies will professionally handle all the details of your auto transportation. These auto transport companies will be happy to provide you with free moving quotes and the very best car shipping techniques possible. In order to get started on the auto moving process, all you need to do is fill out our auto transport estimate form. Before you know it, you’ll start receiving auto moving quotes from up to seven auto transportation specialists. All of these car shipping companies are licensed and insured, and they are well versed in the challenges of auto transport.

    We check our car shipping companies each month, in order to make sure that you are connected with only the best auto transporters. Additionally, we carefully inspect each auto transport company before they are allowed to join our network. If an auto transport company doesn’t meet our standards, we’re not afraid to bar them from our network all together.

    We’re very proud to host the Internet’s best roster of reputable auto transport companies, and we’re happy to make your auto transport process much easier. So go ahead and fill out the free auto transport quote form above. Then, you can sit back as the best auto moving companies in the country handle your auto transport. If you need more help or advice about the auto transport process, feel free to give us a call. We’re happy to help!



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    Ssae 16 Type Ii #is #ssae #16 #needed,reports,reviewing #ssae #16,ssae #16,ssae #16 #audit #review,ssae #16 #review,ssae #16 #review #checklist,ssae #16 #reviews,ssae #review,ssae #reviews,ssae-18,ssae16,ssae16 #review,standards,third #party #ssae #guidance #review,who #is #required #to #have #a #ssae #16,who #is #required #to #have #ssae #16,why #get #ssae #16,audit #intensedebate,leave #a #reply: #name #(required): #website: #comments: #submit, #moderation,\’leave #a #reply\’ #\’name #(required)\’ #\’mail #(will #not #be #published) #(required)\’ #\’website\’ #it #services,controls,how #do #you #prepare #for #an #ssae #16 #audit,how #to #prepare #for #a #ssae #16,how #to #prepare #for #an #ssae #16 #audit,new #avenues #for #ssae #16,preparing #for #a #ssae #16,preparing #for #ssae #16,report #writing,ssae #16 #audit #preparation,ssae #16 #consulting #do #we #need,ssae #16 #preparation,ssae #16 #report,ssae #no. #16,example #soc #1 #report,soc #1,soc #1 #report,soc #1 #reports,soc #1 #type #2,soc #1 #type #2 #report,soc #1 #type #ii #report,soc #2,soc #3,soc #i,soc #report,soc #reporting,soc #type,soc #type #1 #report,soc-1 #report,soc1,soc1 #report,soc1 #reporting,soc1 #soc2,ssae #16 #reports,ssae #16 #soc #1,ssae16 #compliant #soc #1,system #and #organization #control #report,what #is #a #soc #1 #report,what #is #a #soc1 #report,what #is #ssae #16 #soc #1 #and #soc #2 #difference,at-c #320,cost,definition #soc #1 #ssae #16,how #ssea #16 #helps #auditors,prices,pricing,soc #1 #audit,ssae #16 #audit,ssae #16 #audit #checklist,ssae #16 #audit #report,ssae #16 #audit #requirements,ssae #16 #auditing #standard,ssae #16 #auditor,ssae #16 #checklist,ssae #16 #cost,ssae #16 #costs,ssae #16 #prices,ssae #17 #audit,ssae #18 #report,ssae #soc #auditing #and #reporting,ssae16 #audit,ssae16 #audit #report,ssae16 #checkilst,what #is #a #ssae #16 #audit,what #is #ssae #16 #audit,what #is #ssae16 #audit,what #is #the #purpose #of #a #ssae #16 #audit?


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    The SSAE 18 Reporting Standard SOC 1 SOC 2 SOC 3 Support and Guidance for SSAE18, SOC 1, SOC 2, and SOC 3 reporting standards

    Some organizations have heard of SAS 70, SSAE 16. and soon to be SSAE 18. but, don t really know WHY they need to pay to have a bunch of auditors trounce through their company for a month or two during the year, especially right after their financial audit just finished.
    The answer is simple: Many companies will not even think about using your company to perform services for them without a clean Type II Report in place.
    Some benefits of having an SSAE 16 performed :

    • Ability to perform outsourcing services for Public Companies.
      • If performing financially significant duties for a Public Company, they are required to use a SSAE 16 qualified provider as it is the only way to give investors assurance over controls that are not performed by the Company in question.
    • Public and Private companies are more likely to trust your organization with their data.
      • If you were to trust a company with your data, you would want complete assurance it will be handled with the utmost care
    • A year round accessible knowledge source (your auditors).
      • As a service organization, large or small, you will always have questions regarding your business and having a set of auditors in place with access to a wide array of business knowledge, it will allow you to bounce your questions and concerns off of a group of trusted individuals.
    • A third party to review your controls and activities to ensure they are functioning appropriately, and give advice on how to improve upon them.
      • Sometimes your internal audit department is good, but, not always as stringent as they should be. This will help to serve as a check on their work, as well as your staff. Additionally, if there were any findings noted, your auditors are in a great position to give you some tricks and tips to improve to ensure everything functions well the following period.
    • Improving performance of the organization.
      • Just the knowledge that a review is being performed of an employee s work that can have far reaching consequences for the company as a whole. No more, Oh, I didn t realize that reviewing user access was THAT important to do this month, sorry , now, everyone knows that if it s not done, the success or failure of the organization could rest upon them.

    Think of the SSAE 16 or SSAE-18 audit as an annual investment into your company, increasing potential new clients. productivity and accountability .

    This tip is focused on designing controls that reflect the process being testing, if they don t, a headache of massive proportions will be created once testing begins.
    What do you do to make sure you don t screw this up? Have as many meetings as it takes to get it right.
    What you need to do is sit down with the auditors, the department lead, the main employees responsible for performing the process, and anyone else whom could either play a role in testing or modifying the control in the future. Once that is done, Management should discuss what they determined the control to be and how it should operate, that is then reviewed by the auditors, and then the employees performing the tasks should be reconsulted to verify that the control still reflects their process accurately.
    Many times people try to speed this process up and half-ass it, leaving many open items which upon testing could easily blow up into a huge problem. When the control isn t 100% agreed upon prior to testing and a deviation is noted, it s a tough call between failing the control and the ability to adjust it to accurately reflect the process. The problem is modifying a control after testing has begun is not proper and needs to be avoided at all costs.
    Locking the controls locked down early on could save weeks in wrapping up your new SSAE 16 Report.
    We have seen issues like this cause delays in issuing of the report to the client and running additional fees, since adjusting controls isn t free. Coming from the perspective of the auditor, we can let you know the pitfalls, consequences and how to best navigate the audit process. If you have any comments or questions please leave them below!

    A SOC 1 Report (System and Organization Controls Report ) is a report on Controls at a Service Organization which are relevant to user entities’ internal control over financial reporting. The SOC1 Report is what you would have previously considered to be the standard SAS70, complete with a Type I and Type II reports, but falls under the SSAE 16 guidance (and soon to be SSAE 18 ).

    Please see the following articles discussing the SSAE 16 guidance and additional information related to the SOC 1 (Type I and Type II) Reports:

    In addition to the SOC 1 report which is restricted to controls relevant to an audit of a user entity’s financial statements, the SOC 2 and SOC 3 reports have been created to address controls relevant to operations and compliance and will be discussed in further detail in the future.

    Please see the SOC 1 Reporting Guide page for additional information.

    SSAE 16 is an enhancement to the current standard for Reporting on Controls at a Service Organization, the SAS70. The changes made to the standard will bring your company, and the rest of the companies in the US, up to date with new international service organization reporting standards, the ISAE 3402. The adjustments made from SAS 70 to SSAE 16 will help you and your counterparts in the US compete on an international level; allowing companies around the world to give you their business with complete confidence .

    SSAE16 is now effective as of June 15, 2011, and if you have not made the necessary adjustments required, now is the time to find a quality provider to discuss the proper steps. All organizations are now required to issue their Service Auditor Reports under the SSAE 16 standards in an SOC 1 Report.

    The soon to be effective, SSAE-18. is expected to follow a similar reporting structure to the SSAE-16 within a SOC 1 report.

    Who Needs an SSAE 16 (SOC 1 ) Audit?

    If your Company (the Service Organization ) performs outsourced services that affect the financial statements of another Company (the User Organization ), you will more than likely be asked to provide an SSAE16 Type II Report, especially if the User Organization is publicly traded.
    Some example industries include:

    • Payroll Processing
    • Loan Servicing
    • Data Center /Co-Location/Network Monitoring Services
    • Software as a Service (SaaS )
    • Medical Claims Processors

    What you Need to Know:

    Before starting the SSAE 16 process, there are a number of considerations one must take into account that can save considerable time, effort, and money in the long run. Use the following items as a mini checklist for yourself:

    • Does my Company need an SSAE16, or, are we doing it just because someone asked?
    • Reports on the low end can run at least $15,000 a year, will the business lost be less of a burden than the cost of the report itself?
    • Does your company have defined Business Process and IT controls in place, or, will you need assistance developing and implementing them (readiness assessment)?
    • Have you determined the controls in place which affect the outsourced services being provided?
    • Have key stakeholders been defined and included in discussions?

    There are many other issues to consider before engaging a CPA firm to help with your SSAE 16, for a more detailed checklist please see The SSAE 16 Checklist

    You may have heard SSAE-18 is on the horizon for reports issued as of May 1, 2017. There are some important updates discussed in here: SSAE-18 An Update to SSAE-16 .

    As the standard is formalized and the date approaches we will continue to provide more information to help you prepare for these changes.



    10 Signs of Lymphoma – RM Healthy #how #do #you #get #non-hodgkin #lymphoma


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    10 Signs of Lymphoma

    Lymphoma is a cancer of the lymphatic system, which is comprised of lymph nodes, the thymus gland, and bone marrow; all of which help make up our immune system. Lymphoma attacks lymphocytes, a type of white blood cell that helps protect the body.

    There are two main categories of lymphoma: Hodgkin’s lymphoma and non-Hodgkin’s lymphoma (NHL). Both attack the lymphatic system, but each has a different treatment plan and prognosis. Hodgkin’s lymphoma is very rare and only accounts for 10% of the diagnosed cases of lymphoma.

    The disease is characterized by the presence of an atypical cell called the Reed-Sternberg cell. Hodgkin’s lymphoma is the most treatable form of cancer. Still, non-Hodgkin’s lymphoma has a much better prognosis than it once did, with a 71.4% recovery rate. The symptoms of both types of lymphoma are often missed at first, because they are so similar to other, less serious disorders.

    As with any illness, early detection is key to gain a diagnosis and effective treatment plan; but it is all about tuning into the warning signs of this disease, and booking a visit to your doctor for assessment. Therefore, below are the 10 most common symptoms of lymphoma to look out for.

    1. Enlarged Lymph Nodes

    The most common symptom of lymphoma is enlarged lymph nodes. Lymph nodes can be found throughout the body. They are a part of the lymphatic system that filters lymph fluid, trapping bacteria, which will later be destroyed by lymphocytes. Under normal circumstances, they cannot be felt, but certain lymph nodes that are located closest to the skin can be felt as small lumps when they are enlarged. The areas that are most noticeable when they are swollen include the lymph nodes located on the sides of the neck, the underarm region, the groin, or directly above the collar bone. It’s important to note that enlarged lymph nodes do not necessarily mean that you have lymphoma, and are more commonly a sign of infection. Still, if you or a loved one notice enlarged lymph nodes, a visit to the doctor is highly recommended.



    TEFL Courses & TEFL Certification in Thailand – Teaching English Abroad #get #teaching #certificate #online


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    Have you ever wondered, or made assumptions about, where The Center of the Earth is, for preparing people to teach English abroad? Or where you can get a TEFL Certificate accepted everywhere from a world-renowned TEFL Course guaranteeing you a good job afterwards? Is it the UK? Is it the USA? Is it Australia? NO! The best TEFL Courses in the world are right here in Thailand, and the best TEFL Course anywhere is the TEFL for Target Learner Groups Course of TEXT-AND-TALK Academy. Why? because we prepare you to teach successfully to all learners, whatever their nationality — adults, children or anyone — from the very moment you enter the classroom! Indeed, if you wish a chance not just to teach in Asia, but anywhere else where the opportunity presents itself, then our TEFL Course will be indeed the Center of the Earth for you! For details, keep reading below:

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    1961 Phaholyothin Road
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    About Us | Site Map | Contact Us | ©2006-2014 Text-And-Talk | TEFL Courses and TEFL Course Training; Teacher Training Abroad Program
    Become a TEFL Course Trainee and Teach English as a foreign language abroad!



    How much deposit do you need for a mortgage, how much do i need to get a mortgage.#How #much #do #i #need #to #get #a #mortgage


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    How much deposit do you need for a mortgage?

    By Marie Kemplay

    In this guide

    Put us to the test

    Our Test Labs compare features and prices on a range of products. Try Which? to unlock our reviews. You ll instantly be able to compare our test scores, so you can make sure you don t get stuck with a Don t Buy.

    How much deposit do you need for a mortgage?

    Find out how much you should save for a deposit, and use our calculator to see how long it will take.

    How much do i need to get a mortgage

    The size of your deposit is really important for getting a good mortgage deal, or even getting a mortgage at all.

    More than half of the first-time home buyers in the 2015 Which? national property survey said they put a deposit of more than 10% towards their first property. The survey also revealed that the average first-time buyer deposit is 17%. But how much do you actually need to save?

    Minimum mortgage deposit

    In the current mortgage market you’ll need a deposit of at least 5% of a property’s value to get a mortgage. A lender would then lend you 95% of the property’s value.

    So, if you wanted to buy a £150,000 property, you would need to save up at least £7,500 and borrow £142,500.

    Saving for a deposit can seem like a daunting task. To give you an idea of how much you’ll have to put away each year, we’ve made a calculator that’ll tell you how long it’ll take to gather enough money for a deposit.

    • If you’d like to speak to an expert who will look at your personal circumstances and then assess the entire mortgage market and recommend the best deal for you, callWhich? Mortgage Adviserson0808 252 7987

    Video: how much to save for a mortgage deposit

    In the video below, TV property expert Jonnie Irwin explains how much money you’ll need to save for a mortgage deposit, as well as how much extra you may be able to borrow from your mortgage lender.

    Reasons to save a bigger mortgage deposit

    1. Cheaper mortgage repayments – it might sound obvious, but the bigger your mortgage deposit, the smaller your loan will be. And the smaller your loan is, the cheaper your monthly repayments are.

    2. Less risky – if you own more of your home outright you are less likely to fall into ‘negative equity’, where you owe more on your mortgage than your property is worth. Being in negative equity can make moving house or switching mortgage very difficult.

    3. Better mortgage deals – a larger deposit will make you less risky for mortgage lenders. As a result, they’ll generally offer you more competitive mortgage deals with lower interest rates.

    4. Better mortgage chances – all lenders conduct affordability checks to work out whether you can afford mortgage repayments based on your income and your outgoings. If you only put down a small deposit it’s more likely you will fail these checks because you’ll need to spend more on your mortgage each month.

    Mortgage deposits for the best mortgage deals

    The cheapest mortgage deals on the market will typically require you to have a 40% deposit or more, so on a £150,000 property this would mean a deposit of £60,000.

    However, saving up a 40% deposit is unrealistic for many people. The average (mean) mortgage deposit for first-time buyers is 17%, and that in itself is too difficult for some.

    Don’t worry though – you still have options if you’re struggling to save:

    How much deposit do I need?

    To calculate how much you’ll need to save for your mortgage deposit, there are two things you should consider:

    • Typical property prices in your area – you can get a rough idea of this from property websites, such as Rightmove or Zoopla, but speak to local estate agents to get the most accurate information.
    • How much can you afford in repayments each month? The mortgage repayment calculator on our home-buying hub will help you work this out. You can also find typical mortgage rates using the Which? Money Compare mortgage tables.

    Start by assuming you would borrow 95% of the property’s value. If you can’t afford the repayments for a loan of that size, you will need to save a bigger deposit.

    Buying a house: extra costs

    Although the mortgage deposit is the biggest part of the overall costs that you’ll need to pay to buy a home, there are other things you will need to budget for when saving up, including:

    • Stamp duty: this is a tiered tax that you’ll need to pay on any property costing over £125,000 – you can work out how much you’ll pay using our stamp duty calculator.
    • Mortgage arrangement fees: while these are sometimes waived to entice you in, lenders will often charge anything up to £2,000 to arrange your mortgage.
    • Legal fees: you’ll need to appoint a solicitor to arrange the purchase of your property. Costs vary between firms, and can range from a few hundred pounds to more than £1,000.
    • Property survey: these can range from £100 to more than £1,000.
    • Land registry fees: these can range from £40 to £910, depending on the value of the property.

    Find out more: the cost of buying a house – a more detailed look at what you’ll need to budget for.



    Get Big Money for Scrap Batteries #standard #auto #parts


    #auto battery prices
    #

    Get Big Money for Scrap Batteries

    Show All Items

    I just got paid $300 cash for two dozen old lead-acid batteries. Here’s how.

    A lot of readers are asking: Where do I get dead batteries? :

    I mostly got these batteries by seeing and asking for them. New cars wreck batteries pretty quick because the car computer never really turns off. So if the car isn’t driven regularly it’ll over-discharge and sulfate the battery.

    I tell my friends to give me their toxic waste and I’ll get rid of it, cuz I hate seeing buckets of drain oil left out in the rain. They give me their dead batteries also.

    I picked up a few behind service stations and parts stores where people had orphaned them. A few came from my marina next to the dumpster, more came from the marine supply store. I told them I was experimenting with desulfating batteries and they told me to help myself to their scrap pile. Some came back to life from various magic treatments and I gave them to friends or built them into projects.

    Those projects included as welders and power storage for solar welders. running power tools off them, as well as starting and lighting batteries for the Free Yacht.

    I finally got around to taking the bad ones to the scrapyard and damn!

    Here’s what the robo-cashier at the scrapyard gave me for my load of toxic waste!

    Batteries are worth real money now, if you can find the right buyer.

    Step 1: Check the Market

    Show All Items

    The market goes up and down. Right now the dollar is low and China and India are buying scrap like crazy to sell it back to us as products. That drives up scrap values. Our military shooting and attracting bullets all over the world doesn’t hurt the value of lead either.

    Check the values online or in your paper, if it has a commodity markets listing.

    You’ll get less than this, because you’re not selling a train car full. Unlike retail economics, in collection economics smaller quantities are worth less per pound.

    If you have a huge quantity, bargain up for a higher price. The yards that load ships won’t usually bother with you unless you’ve got truckloads, but if you do, they’ll pay accordingly higher.

    TL means Truck Load . LTL means Less than Truckload .



    Excelsior College #bachelors #degree, #business, #accounting, #degree, #degree, #earn #degree, #get #degree, #accredited, #affordable, #online #classes, #earn #credit #by #exam, #transfer #credits, #degree #programs, #business, #associate, #bachelor, #master, #certificates, #online, #distance #learning, #excelsior #college


    #

    General Business

    Business moves faster than ever these days, and Excelsior College is keeping pace with the times.

    Our flexible, competency-based Bachelor of Science in Business (General Business) degree program will enable you to finish sooner at a lower cost than almost anywhere else.

    Specifically designed for adult students with busy lives and competing responsibilities, Excelsior’s online business BS degree program lets you put together a personalized program of study that builds on what you know. This bachelor’s in business concentrating in general business is geared to meet current employer needs and give you an advantage in the job market.

    Competency-based education (CBE) at Excelsior allows you to earn your BS in Business through a personalized program of study that combines course-based learning, independent study, and earned external credits.

    • Course-based learning refers to Excelsior’s 8 or 15-week online courses in business and other subjects that are directly informed by current trends in workforce development.
    • Independent study options help you pursue self-paced learning with study guides and practice tests before earning credit by exam. You can also simply test out of subjects you’ve already mastered.
    • Earned external credits are accrued through coursework completed at other institutions, military experience, college-level exams like CLEP and DSST, learning assessment, and workforce training and professional certifications completed before and/or during your enrollment.

    Meet your degree requirements in whatever combination of options works best for you, then take the capstone in which your competency will be evaluated through a series of business projects, simulations, and summative exam.

    • Transfer more credits to lower the cost of your BS in Business.
    • Take 8 or 15-week online business classes that fit your schedule.
    • Access financial aid, flexible payment plans, and other assistance to make college more affordable.
    • Earn a business degree accredited by the International Assembly for Collegiate Business Education .

    You can also use financial aid and flexible-payment options to fit this bachelor’s in business concentrating in general business into your budget. Find out just how affordable an Excelsior bachelor’s degree can be .

    A Flexible, Convenient Business Degree for Working Adults

    Excelsior’s Bachelor of Business degree is accredited by the International Assembly for Collegiate Business Education . Our online business classes are taught by experienced educators from some of the nation’s leading business schools. You’ll get a complete, rigorous foundation in business processes and principles, including:

    • Accounting
    • Management
    • Marketing
    • Law
    • Business strategy
    • Computers
    • Organizational behavior

    With an accredited bachelor’s degree from Excelsior . you can pursue a wide range of professional and educational opportunities, including small business ownership, consulting, administration and management, graduate school, and law school.

    IACBE Specialized Accreditation

    Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.

    Associate and Bachelor’s Programs FAQ

    Content

    Contact

    Excelsior College
    7 Columbia Circle
    Albany, NY 12203-5159

    Washington DC Center
    2000 M Street NW
    Suite 500
    Washington, DC 20036

    Excelsior

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    What to Do About Squirrels: The Humane Society of the United States #squirrel #problems, #squirrel #chewing #wires, #squirrel #in #the #attic, #squirrel #in #the #chimney, #squirrel #eating #plants, #squirrel #diggin #in #the #lawn, #get #rid #of #squirrels, #keeping #squirrel #out #of #bird #feeders, #squirrel-proof #bird #feeders


    #

    What to Do About Squirrels

    Adapted from the book Wild Neighbors

    Tree squirrels are cute, fuzzy, and fun to watch, but humans have something of a love/hate relationship with them. We love their crazy antics but we hate when they’re raiding our birdfeeders.

    If you’ve got squirrels driving you nutty, remember that they’re only doing what’s natural: looking for a meal and a safe place to sleep at night. Whether you need to evict them from your attic or stop them from stealing your bird food, be patient and look for a way that won’t harm the critters or their young. Here’s what to do about:

    Humane Wildlife Services in action

    Watch how our Humane Wildlife Services team encouraged one mama squirrel to relocate her brood from a homeowner’s attic into a nearby tree.

    Are you a squirrel watcher?

    Just because you don’t want squirrels living in your attic doesn’t mean you can’t enjoy them outside. They’re fascinating to watch, photograph, and study. and unlike most wildlife, they aren t shy!

    Resources

    Purchase a copy of Wild Neighbors ; the go-to guide for useful, humane solutions to conflicts with wildlife.
    If you live within the D.C. Metro Area, take advantage of our wildlife conflict resolution service.
    Kim Long, Squirrels: A Wildlife Handbook (Johnson Books, 1995)
    Michael Steele and John Koprowski, North American Tree Squirrels (Smithsonian Institution Press, 2003)

    Help us protect your wild neighbors

    Related Content



    Term Life Insurance for Canadians #cover #me, #coverme, #manulife, #life #insurance #plan, #canadian #term #life #insurance, #insurance #quotes, #whole #life #insurance, #life #insurance #benefits, #apply #online, #request #a #brochure, #get #a #quote, #claims, #manufacturers #life #insurance #company


    #

    CoverMe Term Life Insurance

    The affordable way to ensure your loved ones are protected

    If you are between the ages of 18 and 55, CoverMe Term Life insurance lets you get up to $250,000 in instant coverage – with no medical exam – just by completing a simple health questionnaire online. Even if you already have some life insurance elsewhere, the low cost of CoverMe Term Life makes it easy to ‘top up’ your existing coverage. Get your quote now by visiting our new Instant Quote website. Get your quote now by visiting our new Instant Quote website.

    For those between the ages of 18 and 70, we offer CoverMe Term Life insurance coverage in amounts from $100,000 up to $1,000,000. You can choose the amount of coverage that best suits your family and budget, so you won’t end up paying for something you don’t want or need. The CoverMe Term Life insurance plan gives you a simple, economical way to secure your family’s financial security.

    CoverMe Term Life premiums are based on your age, so the younger you are when you apply, the lower your rates will be. Apply now – before your next birthday – and you’ll pay a lower premium. The premium you pay when you apply is guaranteed not to increase for 10 years.

    Simple, affordable protection
    Dollar for dollar, term life insurance offers you one of the most economical ways to get the maximum amount of protection.

    Insurance that covers you – and your spouse
    Choose the amount of coverage that suits your lifestyle and budget – from $100,000 up to $1,000,000. Your spouse should consider applying for coverage as well. Use our calculator to estimate how much life insurance you both may need.

    Applying is fast and easy
    Apply online in the comfort of your home whenever it’s convenient for you. If you’re between the ages of 18-55 and want $250,000 or less in coverage, no medical exam is required upon application. All you have to do is complete a health questionnaire and you can receive instant coverage. 1 Learn more

    Premiums are guaranteed for 10 years
    Premiums are set and guaranteed for 10 years when your policy is initially issued. Renewal premiums are not guaranteed, which means that they will increase at each 10-year renewal (as you get older), but once your renewal premiums are set, they will remain the same for the next 10-year term. 2

    Coverage is renewable up to age 85 – guaranteed
    Your coverage is guaranteed renewable up to age 85 – regardless of any changes in your health. Your coverage will not be cancelled as long as your premiums are paid.

    No medical underwriting upon renewal
    When your coverage renews in 10 years, it will be at your new age-based rate – without any medical exams or questionnaires required at the time of renewal.

    Conversion to a Permanent Life insurance policy
    If you wish, you can convert your CoverMe Term Life insurance policy at any time before your 70th birthday without providing medical information or undergoing a medical examination at the time of conversion. You are limited only by the Manulife conversion products available and their restrictions regarding coverage amount and minimum premium. For more information about conversion options contact us.

    Lump-sum benefit
    In the event of your death, your beneficiaries will receive a tax-free benefit. They can use the lump-sum payment towards the mortgage, outstanding debts and loans, living expenses, education expenses. the choice is theirs.

    Living Benefit included – at no additional cost
    Should you be diagnosed with a terminal illness with less than 12 months to live, you may be eligible for a compassionate one-time cash advance of up to 50% of your term life insurance coverage (to a maximum of $100,000). This cash advance is tax-free and yours to use however you wish. 3

    You own your coverage
    Unlike group coverage that can change or end as you move from one employer to another or retire, you will “own” your CoverMe Term Life insurance coverage up until age 85.

    Earn AIR MILES � reward miles
    When you pay your premiums monthly, you have the opportunity to collect AIR MILES � reward miles every year as a CoverMe Term Life policyholder.

    30-Day Money-Back Guarantee
    If you are not completely satisfied with your CoverMe Term Life insurance policy, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled and your entire premium will be promptly refunded.

    1 To be eligible for instant coverage, you must meet the approval guidelines of our health questionnaire.
    2 Renewal premiums are not guaranteed. However, at each 10-year policy anniversary, when you renew at the then applicable premiums, your premiums will remain the same for the next 10-year term.
    3 To be eligible for the CoverMe Term Life Living Benefit, you must be less than 83 years of age and your policy must be in effect for at least two years.

    Apply Before Your Birthday

    Your premiums are based on your gender, smoking status and your age at the time of application. Apply now. before your next birthday, and you will save money by locking in at a lower premium for the next 10 years.

    Satisfaction guaranteed – or your money back!

    Once you receive your CoverMe Term Life insurance policy, review it carefully. If you are not completely satisfied, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled, and your entire premium will be promptly refunded. No questions asked.

    CoverMe Term Life Important Notice

    This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval. It contains important details concerning exclusions, conditions and limitations. Please review them carefully upon receipt.



    What Jobs can you get with a Nursing Degree? #what #jobs #can #you #get #with #a #nursing #degree,what #can #you #do #with #a #nursing #degree,nursing #degree #jobs,nursing #graduate #jobs,nursing #major #jobs,nursing #career,nursing #degree,nursing


    #

    What Jobs can you get with a Nursing Degree?

    You need a degree in nursing to qualify for various careers and jobs in the healthcare sector.

    What Jobs can you get with a Nursing Degree?

    Are you thinking of having a nursing degree and want to have a detailed note of the jobs you can get with it? If yes is your answer, then you are in luck today for finding this page.

    This post shows you what you can do after completing a nursing degree; it details the jobs for each degree level – Associate’s, Bachelor’s, Master’s, and Doctorate degree – and also provides the salary to expect on the jobs.

    About the Nursing Career

    A nursing career is one of the few jobs with an unwavering demand in the society. According to the 2013 Global Burden of Disease Study, over 95% of the world’s population is ill and at the aid of the numerous ill ones around the globe are nurses.

    Nurses bear the responsibility of assisting people in regaining their health; they provide care to the unwell usually in hospitals and also in various other areas such as in schools, military, prison, and corporations.

    The nursing profession sometimes is perceived not just as a career but as a calling because it requires a level of passion for someone to dedicate his/her life to be a vital part of the treatment, welfare, and recuperation process of the ill, the near-ill, and the near-death patient.

    Little wonder some to refer to it as the most trusted profession while some others label it a noble profession.

    A nursing degree indeed holds a positive job outlook for prospective graduates as a nursing career is among the few jobs that are well-paying.

    It offers good job security and provides a flexible working plan.

    The U.S Bureau of Labor Statistics predicts a whopping 16% job growth rate (439,300 jobs) for registered nurses with an annual median salary of up to $67,490.

    That’s why it’s no surprise a nursing degree is one of the most popular courses among prospective undergraduates.
    In the U.S, it ranks third most popular college major according to MatchCollege and USATodayCollege.

    It also takes the seventh and eighth place as the most popular college degree in the U.K and Australia respectively as published by The Telegraph and Rediff.

    As a step towards actualizing a nursing career dream, students enroll for a 2-year Associate’s degree program in nursing.

    This exposes them to knowledge of patient care, helps them grow confidence with patient handling, as well as taking good clinical decisions.

    What can you do with a Nursing Associate’s Degree?

    Nurses with Associate’s degrees usually secure hospital jobs while some others work in health agencies, schools, insurance agencies, and social service.

    Nurses with an Associate’s degree qualify for job positions as:

    • Neonatal Nurse: They specialize in providing healthcare to newly born babies. They assist mothers in feeding and bathing their babies; they also take care of premature babies and those with defects or illnesses by fixing them up with oxygen and intravenous fluids. They also monitor infants to detect any abnormality and act accordingly. Part of the responsibilities of nurses includes communicating with infants’ parents in order to enlighten and assist them.
    • Intensive Care Unit Nurse: They are responsible for closely observing and monitoring patients with life threatening issues; they administer anesthetics and analgesics in the appropriate dose; they provide ventilatory support and are quick in providing medical assistance to patients in critical health condition. Their duties also include updating patients/patient’s family on the current health status so they can take the best decisions.
    • Emergency Room Nurses: They specialize in providing quick response care to patients in sudden life-threatening condition. They help stabilize patients, reduce pain, and figure out the cause of a medical condition so that treatment can commence.
    • Telemetry Nurse: Their duties involve monitoring and providing care to patients in the telemetry unit who are placed under electrocardiogram, ventilator support or blood pressure monitors. They provide medications and assist patients recovering from either cardiac, neurological or lethargy issues.

    Payscale pegs the annual median salary of registered nurses with Associate’s of Applied Science (AAS) at $50,000 while registered nurses with Associate’s Degree (ADN) earn as much as $58,087.

    Although you can get a job with an Associate’s degree in nursing, some nursing career levels require at least a baccalaureate. This aids you in professional advancement to managerial roles and increases your earning power.

    What can you do with a Nursing Bachelor’s Degree?

    With a Bachelor’s degree in nursing, you secure job positions as:

    • Mental Health Nurse: Their responsibilities include providing psychological care to patients, interacting with them to discover the source of their emotional upset, administering medications, and providing therapy sessions for them.
    • Paramedic: They are at the frontline of medical support and provide quick on-scene medical treatment, preparing a patient for further medical attention. They are tasked with the responsibility of keeping emergency patients alive and ready to receive proper medical treatment.
    • Health Service Manager: Their duties involve overseeing the hiring, recruitment, and management of clinical and administrative staff. They ensure the implementation of health policies in an organization, as well as monitoring the quality of service rendered to patients.
    • Midwife: The job specification of a midwife involves providing antenatal and postnatal care to mother and child, ensuring that both survive the periods before birth and after birth. They also counsel and give insights on conditions such as neonatal issues, miscarriage, and stillbirth.
    • Children’s Nurse: They administer medications, take vitals of patient, fix up intravenous fluids and explain treatment of wards to parents. They also offer advice on best ways to aid a child’s recovery process.
      Payscale projects the annual median salary of registered nurses with a Bachelor’s degree to be $60,369.

    The U.S Bureau of Labor Statistics on the other hand predicts an annual median salary of $67,490 for nurses with Bachelor’s.

    To cement your footing in a nursing career, a Master’s degree is very essential. With Master’s in nursing, you stand a chance of securing leadership positions, enjoying increased job prospects, as well as becoming an expert in the nursing field.

    What can you do with a Nursing Master’s Degree?

    Some of the positions you can occupy with a Master’s degree in nursing include:

    • Nurse Practitioner: They specialize in the diagnosis, treatment and prescription of drugs to patients. They also provide medical care and guidance to patients, communicating effectively with them on how to improve their health. They earn as much as $86,735 on average annually.
    • Nurse Administrator: They perform managerial duties of employee supervision, overseeing the welfare of patients, as well as taking decision as relates to business and workplace policies. They earn a median salary of up to $117,646 annually.

    What can you do with a Nursing Doctorate Degree?

    Nurses with a doctorate degree occupy top level positions as nurse executive, nurse researcher, and college instructor, or as a clinical nurse specialist.

    Without a doubt, a nursing degree offers fantastic benefits ranging from good job security to attractive income and the personal satisfaction of saving lives.

    What would you like to do with a nursing degree? Let us know which of the nursing jobs strikes your interest, please leave your comment in the box below .



    How and where to buy life insurance – Money Advice Service #what #is #the #best #life #insurance #to #get


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    How and where to buy life insurance

    Life insurance payments can start from just a few pence a day depending on how much cover you want, but also on the likelihood of anything happening to you. But even if you’re high risk, you don’t need to accept the first life insurance offer that comes along – it always pays to shop around.

    How much does it cost?

    How much you pay for life insurance depends on the amount of cover you want (i.e. the amount you want paid out upon your death) as well as the likelihood that you will die in the near future.

    For this reason, the amount you pay for life insurance every month (your premium) will depend on a few things, including:

    • Age
    • Marital status
    • Hobbies (for example, extreme sports)
    • Whether you smoke or have previously smoked
    • Health (your current health, your weight, your family medical history)
    • Job (some professions carry a higher risk than others and might mean you have to pay more each month)

    The older you are and the higher the level of cover you’re looking to purchase, the more likely it is that your insurer will ask your GP for additional medical information, or ask you to undergo a medical examination.

    The amount of cover you need will depend on:

    • Any debts
    • Mortgage/rent
    • Number of dependents
    • Take home pay or income from other sources

    How much cover do I need?

    You can work out how much cover you need in three quick steps.

    Step 1: First add up:

    • Your debts: your total mortgage and other debts, such as credit card debts or personal loans.
    • Expenses you want the insurance to cover: your basic monthly outgoings and any other costs, such as child maintenance, school or university fees. You might want to leave a lump sum for someone, or use it to cover your funeral costs.

    Step 2: See what kind of cover you already have

    For example, if you’re employed, your benefits package might include a ‘death in service’ pay-out – a lump sum that’s a multiple of your annual salary at death.

    Step 3: Calculate the cover you need

    When you have these two figures, take away the benefits or cover you already have from the total amount your dependants need.

    The result is the amount of life insurance cover you should take out. Alternatively, a common rule of thumb is to multiply your annual income by 5 or 10.

    Now think about the length of time you want the policy to last.

    You might decide that it should end at the same time as your mortgage, when your children finish full time education, or up until you die.

    Life insurance example

    Add up

    John (42) and Judith (39) have a joint household income of £41,000 per year.

    They have an outstanding mortgage of £213,000 which they expect to pay off in 18 years.

    They also took out a £5,000 loan to purchase a car. Their basic monthly outgoings are £1,000 (£12,000 per year).

    What you already have

    Through his employer, John has death in service cover worth four times his annual salary.

    A total of £100,000. Judith is self-employed and does not have a similar benefit.

    Calculate the cover you need

    They decide they need enough life insurance to cover their mortgage, their car and their basic annual outgoings.

    John’s death in service cover is enough to cover the car and living costs, so they take out an 18 year life insurance policy to cover their mortgage.

    Life insurance is often paired with another product, such as income protection insurance.

    Learn more in our guide Do you need income protection insurance?

    Should your policy be inflation linked?

    You don’t need your policy to be inflation linked if you just want to cover your mortgage.

    If you want to continue your family’s current lifestyle then it ought to be linked to inflation.

    What happens to the monthly payments if I can’t work?

    For a small extra cost you might be able to buy ‘waiver of premium’ cover.

    If you can’t work because of illness or injury this will cover your monthly payments, but usually only after you’ve been off sick for at least six months.

    Another option is to take out a different kind of insurance policy that will help cover your outgoings if you get ill.

    Where to go for quotes

    To find the best value on cover, compare as many offers as possible.

    You can get life insurance quotes from:

    • Banks
    • Specialist brokers
    • Credit card companies
    • Independent financial advisers
    • Retailers including major supermarkets
    • Insurers that don’t sell through comparison site
    • Comparison sites – use a variety of sites to make sure you look at a wide range of offers
    • Your mortgage provider – most offer life insurance automatically when you take out a mortgage, but you might be able to find a better deal elsewhere

    Using a broker

    If you’re not sure about what level of cover or type of insurance policy you might need, you might want to use an insurance broker.

    These market experts can often help you find the insurance product you need at a good price.

    There might be a charge for this so always check how (and how much) they will charge when you first speak to them.

    Use our FAQ guide. which covers the basic questions that you might want to ask an adviser, or the questions they will ask you.

    Be honest about your medical history

    Research from the ABI found that 97% of protection insurance claims were paid out in 2013. The majority of refused claims were due to non-disclosed information.

    Although the vast majority of claims are successful, it’s important to give your insurer all the information they ask for.

    When a claim is made, insurers will look at your medical history and if you didn’t answer truthfully or accurately in your application, or didn’t disclose something, they might not pay out.

    Buying a policy

    Read the small print

    Read the small print before you take out the policy so that you know what you’re buying.

    Make sure you know exactly what is and isn’t covered. If you see something you don’t understand, ask the insurance provider, or your insurance broker or financial adviser.

    Exactly what is excluded (what isn’t covered) can vary by insurer. When you’re comparing offers, you must read these definitions so you can be sure you’re comparing similar policies.

    Use our protection insurance jargon buster to help you make sense of the jargon that’s often used.

    Changing your mind

    Once you’ve bought an insurance policy you have a right to change your mind within 30 days and get a full refund.

    If you already have life insurance, is it worth switching?

    If you’re young and/or healthy, you might find it easy to get a better deal.

    But as you get older or develop medical problems, you might find it’s cheaper to stick with a policy you bought when you were younger.

    hop around and remember to check with your existing provider too.

    In any event, if you do decide to switch, don’t cancel your existing policy until the replacement policy is fully set up and you have made the first monthly payment.

    Once you have cancelled a policy, you can’t change your mind.

    Keeping your cover up to date

    It is inevitable that your life insurance needs will change.

    You should review your policy to make sure your premiums are competitively priced and that you still have the right amount of cover.

    Common reasons to add more cover are:

    • You’ve had another child
    • Your partner has stopped working
    • You’ve taken out a new mortgage

    On the other hand, if you change jobs and your new benefits package includes a higher ‘death in service’ benefit, you might be able to decrease your level of cover.

    Do you need income protection insurance? This type of insurance provides regular payments if you are unable to work due to illness or injury.

    Do you need payment protection insurance? Payment protection insurance will help you keep up with payments if you can’t work because you’re ill, had an accident or made redundant.

    Do you need short term income protection? This solution provides short term cover to help you pay for essential outgoings if you find yourself unable to work.

    Do you need critical illness insurance? This type of policy will provide you with a tax-free ‘lump sum’ if you’re diagnosed with a serious illness covered by your policy.

    Did you find this guide helpful?

    Care to share?

    • Share this article on Facebook

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  • Thank you for your feedback



    I love boobies! #where #can #i #get #a #breast #cancer #bracelet


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    i love boobies!

    i love boobies!

    THE ORIGINAL KEEP A BREAST I LOVE BOOBIES!
    program has put the message of shame-free breast awareness in the global spotlight. Millions of young people are wearing the message on our signature i love boobies! bracelets, and many of them are talking, blogging and writing about breast cancer awareness for the first time. We designed the program to spark a dialogue, and both the American Civil Liberties Union (ACLU) and a U.S. District Court have joined in to voice their support of i love boobies!

    Imitation may be the sincerest form of flattery, but don’t be fooled by knock-off merchandise! We’ve located manufacturers from China to San Francisco who are producing fake i love boobies! gear. But only the proceeds from our i love boobies! merchandise is directed back to breast cancer education and awareness programs. Purchase our original i love boobies! bracelets, T-shirts, hats and other items either online from our online shop here. from partner retailers such as Tilly’s and Zumiez, or directly from our Traveling Education Booth, located at official KAB events or festivals like the Vans Warped Tour.

    i love boobies! is KAB’s signature breast cancer outreach and awareness program. We want to remove the shame associated with breasts and breast health, and this message represents our positive approach to breast cancer dialogue. The program resonates with young people, and encourages them to be open and active about breast cancer prevention.

    The program gives young people impacted by breast cancer the chance to express and connect with others. Wearing an i love boobies! bracelet or shirt proclaims, “I love my boobies, and I choose to take care of them!” It is a message about how important it is to appreciate, respect and love your breasts and yourself. Knowing you body and your breasts is the first step to prevention.

    HOW DOES IT SUPPORT THE KAB MISSION?
    i love boobies! has successfully initiated a dialogue among young people about breast cancer. Is has proven to be a doorway to involvement in KAB’s other programs, and has brought the subject of early onset breast cancer to the national media. Revenues from i love boobies! cause merchandise has allowed KAB to broaden its reach and provide grant money supporting important studies.

    CAN I PARTICIPATE?
    Anyone—female or male of any age—can use the i love boobies! message and spark up a conversation We are constantly developing new ways to spread the message among all types of people. Our iconic bracelets are only the beginning.

    WHERE DO I START?
    All of our i love boobies! cause merchandise is available online. Please visit our shop here to browse what is currently available. Always wear the slogan with an open mind: Use it to start discussions, learn from others, and share ideas.

    FEDERAL COURT RULES IN FAVOR OF STUDENTS IN I LOVE BOOBIES! BRACELET SCHOOL BAN
    When Keep A Breast first created the “i love boobies!” bracelet we had no idea the controversy that it would stir up. When the first banning happened in schools we were left wondering: Why were many not focused on the fact that young people were finally talking about breast cancer and breast health?

    Many of you stood up and became outspoken advocates for our cause. We applauded as you held school events to raise awareness and funds for KAB, and retweeted photos of loved ones battling breast cancer, our bracelets visible. Your emails and social media posts about why you wore your bracelets made us cry many times. You believed in us – and our messaging and we can’t begin to express our appreciation.



    How to Get a Business Credit Card With Bad Credit: 11 Steps #get #business #credit #cards


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    How to Get a Business Credit Card With Bad Credit

    Look for cards that are labeled “secured credit”. “Secured credit” cards can be a good option for those whose credit score prevents them from getting other lines of credit. Credit cards that have “secured credit” require a deposit and certain fees as security against any credit that the card is used for. [1]

    • Security deposits and fees must be paid in order to obtain a “secured credit” card.
    • You approved line of credit is the amount of your security deposit.
    • Some “secured credit” cards can have large fees.

    Try to get a low limit card. Generally the higher the amount of credit a card allows, the higher your credit score will have to be in order to be approved for that card. Finding a credit card with a low line of credit can increase your chances of obtaining a business credit card while having a low credit score. [2]

    • The credit line will usually be between $300 to $500 on a low limit card.
    • Low limit cards should be used as a last resort due to their high set up fees.

    Consider details of the card. Before you finalize and accept a credit card that you have found, carefully review the details of the card. By carefully examining the details of the card you will be able to learn if the card is right for you and your business needs. [3]

    • Makes sure the interest rates are acceptable.
    • Evaluate your ability to pay any bills once you use your card.
    • Check to see if the card offers any awards such as cash-back or travel benefits.

    Look into business charge cards. Business charge cards may be easier to obtain with bad credit as they require you to completely pay off the balance every billing cycle. Since there is no balance that can accumulate beyond one billing cycle, creditors may be more inclined to offer you a business charge card. [4]

    • American Express and Diner’s Club both have charge cards available to apply for.
    • Charge cards need to paid off fully at the end of each billing cycle. However, they do work to build up a positive credit history if you pay them on time.

    Ask your bank or credit union about a business credit card. If you currently work with a bank or credit union, or have an existing account with them, you can ask them if they are willing to offer you a business credit card. Having a history as a customer or member with your bank or credit union can increase your chances of being approved for a business credit card with them. [5]

    Consider working with a financial consultant. If you are having trouble finding a line of credit for your business, you might want to work with a financial consultant. These professionals can help you discover how best to manage your funds, improve credit and find credit cards that might currently be available to your business. [6]



    Review of the Best Places to Get Online New Car Price Quotes #refinance #auto #loan #calculator


    #buy car online
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    Guide to New Car Price Quote Sites

    Last Modified: November 14, 2015 by Jeff Ostroff | Originally Published July 28, 2000

    How Free Car Pricing Services Work

    CarBuyingTips.com recommends using a referral service which can help you find the best car prices available. They are able to do this using a network of thousands of dealers that are more likely to operate without tricks, pricing gimmicks or scams. Member dealers get a high volume of referrals from the services so they give a better price. Quotes are different for each site, so get a consensus. Hard to get cars might not have a large discount. Spend a few minutes now getting your quotes, save a few thousand dollars later. Your ability to negotiate the best price with the dealer depends on your quotes from these sources. Keep them in The Folder that you bring to the dealer.

    Descriptions and Reviews of Price Quote Services

    TrueCar

    TrueCar takes the hassle out of the new car buying process. When you use their site, you see what other people in your area paid for the exact vehicle you are shopping for. You will also be presented with the TrueCar price.

    You can print out a Guaranteed Savings Certificate that will lock in your price when you take it to the TrueCar certified dealer. This price will be a good price but if you really want to negotiate the rock bottom price you will need to use all of our negotiating tips and shop multiple dealerships.

    TrueCar is the perfect service if you want to get a good price without all the haggling. You won’t get any unwanted calls from dealerships and you won’t be harassed with spam. You won’t Don’t forget that you can’t let your guard down in the F I office. Your good price isn’t a good deal until you avoid all the tricks and scams the dealer can pull in there.

    CarClearanceDeals.com

    CarClearanceDeals.com searches clearance pricing from their network of dealers to get you the cheapest price. Use their simple form to select the make and model and start saving. Remember to get quotes from the maximum number of dealers to give you the upper hand. Select your vehicle, tell them a bit about you, select up to 5 qualified dealers and your done!

    Cars.com

    Cars.com gives you free, no-obligation new car quotes from up to 3 local car dealers. You choose your new car model, style, colors and options. Getting quotes from multiple dealers pressures dealers to give you a discount. The process is very simple. I like the fact that they let you select the dealerships that will give you a quote. That way if there is one in your area with a bad reputation you can avoid dealing with them. On the flip side you can make sure to get a price from a dealership that you have a positive impression of.

    Edmunds

    Edmunds gives you no-hassle and no-obligation FREE price quotes. You can view actual dealer inventory and prices in your area. Find the right car for you at lowest prices available. You can also use the Edmunds True Market Value pricing to get the best deal. Remember, when dealers compete, you win.

    They also list current factory to consumer rebates, as well as secret factory to dealer incentives. If you are aware of a secret factory to dealer incentive on your car, you can negotiate a lower price. This is why invoice price is not the true dealer cost. Keep in mind Edmunds is a free site, so often you have outdated or incomplete information. That’s why we like Fighting Chance for the most accurate data.

    CarBuyingTips.com Car Buying Service

    The CarBuyingTips.com Car Buying Service lets you get a guaranteed price quote without leaving your house. This exclusive program leverages volume buying power of large companies, employers and membership groups to get you a low price on a new car.

    The process is simple. First select the model that you are interested in. Next, configure the options. Once completed and submitted, you will receive a guaranteed price certificate from up to three network dealers. When you are ready to buy, simply print out the price certificate and take it the new car dealer that provided the quote. It’s that easy! No hassles, no haggles and a guaranteed low price.

    CarsDirect

    Price the Car and Make the Deal Online

    CarsDirect.com lists your purchase price online instantly with better prices than dealers and cool 360 views. Don’t be afraid of buying online through them. They are honest, your private data is safe and you still get the manufacturer’s warranty. We get a lot of email from people saying they were the best price. When I review dealer quotes, I always compare to the CarsDirect instant online quote. As you check off options, the screen shows invoice price, MSRP, and your low CarsDirect price. Can’t decide on a car? Park them in the garage until later. You still get rebates and they can finance your car too, so it’s easier to buy. Once you place your order online, they assign you a service advisor. You pick up your new car at a partner dealer, bypassing the commissioned salespeople and the paperwork is done in less than thirty minutes. A great way that we here at CarBuyingTips.com recommend to buy a car.

    Key features of CarsDirect:

    • You pick up the car at your local dealer, they can’t change the price and you still get any rebates
    • Your credit card and privacy information is safe
    • You can take your car to any dealer for manufacturer’s warranty service
    • The dealer can handle your trade in, or you can sell it yourself for more money

    Roadster

    Complete Concierge for California Residents

    Roadster is a complete car buying concierge service that is currently only available in California. They take all of the stress and hassle out of the car buying process. You use their simple tools to search inventory for the vehicle that you want to buy. They give you a good, fair price. You complete the purchase and they will deliver your new car, truck or SUV to your home.

    They will take care of your trade-in as well. Their team will get multiple bids from wholesalers so that you get the maximum possible value. You don’t have to worry about the part of the cash flow shell game where the dealer low balls your trade-in.

    The service costs $295 but there is no charge until you complete the purchase. When using Roadster, you won’t get the absolute rock bottom price that you could get by being a tough negotiator. However, their pricing averages over $3,000 below MSRP. Their service is designed for people that want to get a good deal but don’t want to deal with all of the negotiating games.

    What I like most about Roadster is that their concierge team ensures that you don’t get marked up on the finance or lease rates. We are always emphasizing that getting a low price doesn’t mean that you got a good deal. You have to take everything into account. With Roadster, you can check another item off the list of things that you don’t have to worry about.

    When you use this concierge service, you will have an expert guiding you through the entire transaction. The guidance you receive will make it seem like you buy cars every day of the week, because that is exactly what they do!

    Key features of Roadster:

    • Search inventory and find the vehicle you want to purchase
    • Get your guaranteed price up front
    • Get maximum value for your trade-in
    • Avoid ridiculous finance or lease rate markup
    • $295 concierge fee isn’t paid until you schedule delivery
    • Roadster delivers your new car right to your home

    Your Next Step

    Now that you have your free new car price quotes from the above sites, which one had the cheapest price? We never know in advance, it’s different every time. That is why we at CarBuyingTips.com tell you that you need to check all the online sites to get a consensus of what you should be paying. Don’t forget to use all of our other tips to help you negotiate the best overall deal. As you’ll learn, there is more to it than getting the lowest price.



    I want to refinance my car loan but I have bad credit, and now I m looking for best company to refinance auto loan – Get tips here #auto #transport #quote


    #auto refinance with bad credit
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    I want to refinance my car loan but I have bad credit, and now I’m looking for best company to refinance auto loan – Get tips here

    The refinance auto loan with bad credit has become increasingly popular. That is why it has also become a common part of most online auto finance companies, lenders and dealers product portfolios. A lot of these online auto finance companies review their interest rates regularly so that their customers can take the advantage of beneficial offers. The auto refinance car loans make sense when car owners and car drivers are fortunate to finance lower than their standard rates. The online broker companies help vehicle owners across the country get lower interest rates on any motor vehicle. The online company information has become greater resources for auto refinance car loans with bad credit solutions.

    The information on refinance auto loan with bad credit history is published and reviewed online regularly. Car owners who are just realizing that their monthly car payment is becoming a burden should make use of these information guidelines. Most car buyers are usually saddled by lenders and dealers with higher than standard interest rates at the time of purchase. They usually expect car buyers to go in for auto refinance as soon as their credit scores improve. The increasing database provides far more options than ever before to car buyers with unaffordable monthly car payment. Such customers must check out the new specifics added on to the database by car loans finance companies. The refinance auto loan for any vehicles is open to direct access. This online tool is helping lots of car buyer s review multiple companies offering the refinance packages.

    The best refinance auto loan with bad credit is not going to drop in anyone s lap. For this credit challenged consumers customers should make a proactive effort and check out the options available to them online. There are plenty of refinance auto loan with bad credit solutions available if only the customers looking for them in the right places. The new uploaded database can generate a mixture of local as well as regional auto finance companies, lenders and dealers to customers. This will help them in locating the lowest interest rates for auto refinance car loans. The internet makes for real time competitive offers because every company wants to clinch the deal before their competitor wins.

    The online databases are reliable resources for the best company to refinance auto loan with bad credit for any customers. The car owners and car drivers across the country are looking for any which ways to lower their car loans repayment. These borrowers have a simplified process at their disposal to locate the auto refinance auto finance companies, lenders and dealers. They can lower their monthly car payment burden without having to negotiate with their current banks or lenders and dealers. The online database gives the latest competitive rates for refinance auto loan with bad credit solutions.

    The latest program launch of the online database search tool gives enhanced strategy. Customers can now find their information on product and services from the auto industry online to make simple and quick decision.