Homeowners and Auto Insurance Quotes – Compare Auto-Home Insurance Rates #bad #credit #auto #financing


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Auto and Home Insurance: Double the Protection in Half the Time

There’s nothing quite as exciting as buying a new house or car. But regardless where you live or what you drive, auto and home insurance are two of the most important purchases you can make to protect those big-money investments.

Let InsureMe make your search for the right auto and home insurance easier. When you shop for both policies on our site, we’ll reward you with:

  • Savings. Buying auto and home insurance together offers you money-saving discounts that can help lower your premiums and save you money.
  • Convenience. Purchasing both insurance policies from one company helps you get the protection you need now.
  • Simplicity. However you prefer to pay your premiums, dealing with just one insurer goes a long way toward eliminating hassle.
  • Expertise. With only one agent as advisor, you establish a vital relationship with a knowledgeable professional who understands your needs.

As you can see, one-stop shopping really pays off. So don’t wait to realize the savings, convenience, simplicity and expertise you deserve. Request your free home and auto insurance quotes now—and get the protection you need in half the time!

“Great products and wonderful staff. Keep it up. I have already referred over 5 people to your site.”

“Your service surpassed my expectations. It was great to have companies competing for my business. My rates were cut by half the amount I was originally paying.”

“The response was prompt and helpful. agent answered various questions and provided quotes with options asked for.”

Each month, InsureMe connects over 300,000 people just like you with local agents and national carriers to help save money on insurance.

Whether you are one of the over 2.5 million people who shopped for auto insurance using our portal last year, or one of our 10 customers from Talkeetna, Alaska, you can receive customized quotes with one simple form. It’s insurance shopping made easy.

To get the best coverage at the best price, request your free quotes now. We have thousands of insurance providers across the nation standing by to help.

Here’s how the process works:

  • Complete one online form. This usually takes from 2 to 10 minutes and is required to ensure the most accurate quotes.
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  • Take advantage of multiple agents and insurance companies competing for your business. When comparing offerings, don’t forget to consider claims and billing features, along with additional items like roadside assistance and 24/7 customer support.
  • Get a great deal and save money on insurance!

Find the best auto loan rates #miami #auto #show


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Different choices of loans for buying any car.

Shopping around is the best way to find the best rate auto loan. We made it easy for you to shop around at one place and save time. You have to do some research to find out which source suits you and which has many advantages.

No Hassle Loan Pre-Approval in 2 min. Good, Bad or No Credit.

1. Banks.

This is usually good choice especially when you are a customer of a bank. Since the the bank has your financial history and will want to retain you as a customer things will become easier. You have to fill out some documents and if your documentation is complete you may get the loan approved and the bank will issue check in a shorter time. As banks are very competitive, you may get the best quote for your auto loan. But, you have to commute to the bank and you will have to do lot of paper work.

2. Credit Unions.

The credit unions collect money from members and offer various products like loans to the members. Its main goal is service rather than profitability. But, it is not a charity. If you are a member of a credit union then it is a good place to research for auto loan because the Credit Union’s APR (Annual Percentage Rate) is lower than other sources of auto loans. This along with shorter repayment terms will lower the over all cost of the car provided that you can afford higher monthly payments. You can get approval with a check faster than other lenders. You should remember that the profits earned by the Credit Union are shared by all the members.

3. Dealerships.

You can approach Dealership companies also for availing car loans. They act as go-between the buyer and the bank or credit union. They do all the spade work on your behalf for the service of which they will charge you. You may have to contact more dealerships for comparison to arrive at the best auto rate. They may also offer auto warranty and insurance.

4. Online Lenders.

If you are the first time car buyer, as in the case of a college student, immigrant or a teenager,online loan is preferable to other sources as you do not have the credit history. Generally, online lending APR is 1 or 2 is lower than that offered by other auto dealers. Also, in the case of most online lenders the APR is fixed. This is beneficial to you in the long term. There is no down payment. Unlike the banks and credit unions, there is no hassle of filling out forms. There are no fees charged for the loan. Also, you need not commute to bank, credit union or dealership company in order to apply for a loan. In the comfort of home, just sit before a PC with internet and fill out the form. The online loan form is easier to fill out than in the case of banks or credit unions. At the end of the online filling of the loan application form, by the click of a button you will know what your monthly payment will be and you will know whether it is within your budget. The online auto rates are competitive and at this stage it is up to you to decide to accept or reject the loan offer and you will get the reply via email within 2 days. The online loan process keeps postal expenses at the minimum. If you have credit score less than 600, there are some online lenders who may consider you for a loan with some conditions imposed on you.

Compare Auto Loan Interest Rates & Monthly Payments

Finding Banks with Low Auto Loan Rates. #japan #auto


#lowest auto loan rates
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Finding Banks with Low Auto Loan Rates

If you are looking for the lowest auto loan rates, you need to know how to find lenders offering the most affordable car loans. In order to get the lowest rates possible, you will need to have good or excellent credit to minimize any risk you may pose to car loan lenders. This how-to guide will show you how to find loans with the lowest interest rates.

Research Lender Rates

When searching for a loan it is always a good idea to shop around. Banks, credit unions and online loan operations are the most common and popular places to secure financing for a vehicle. Additionally, almost every single car dealer will be happy to provide financing for your new car. While a bit overwhelming, it really pays to do some researching; the web is a quick way to peruse current car loan interest rates in your area. Check all available outlets and compare rates, terms and fees.

Also, look for discount rates by organizations like the Automobile Club or AARP. If you belong to a trade group or organization that has negotiated better terms for their member be sure to take advantage of those discounts.

Look for Credit Unions

Credit unions are a great source for low-rate auto finance loans. If you are not currently a credit union member, visit local credit unions and inquire about membership requirements. You may qualify for membership in a credit union based on region, by a family member who is already a one or is eligible to be one.

Research Captive Finance Companies

If you are shopping for a new car or certified used car, you might be able to take advantage of special finance deals being offered by captive finance companies. Captive finance companies are simply the lending arm of the major car manufacturing companies. Most large car manufacturers have a subsidiary that makes car loans to consumers. For car buyers with good or excellent credit, these companies often run incredibly low interest loan deals sometimes as low as zero percent. Bear in mind that these low interest loans are usually only made for loans with particularly short terms of two years or less.

Credit Report

Your credit score affects the interest rate and terms on your loan, so be sure to review your credit reports annually. Report any inaccuracies to the reporting agency as soon as you notice them.

If your credit score is below 620, you likely only qualify for subprime loans. Keeping your credit report clean is extremely important when looking for a car loan. Make sure all your payments are on-time and limit your credit usage if your score is low.

Loans, like the price of the vehicle are negotiable. If you have good credit and a sizable down payment you should be able to negotiate favorable rates and terms for your loan. If you are not happy with the deal you are being offered shop around and see if you can find a better deal.

Make sure you read and understand all loan documents before you sign them. Interest rates are just one part of the loan. Fees, terms and conditions, and origination fees are a large part of a loan as well.

Credit Union Interest Rates – Mazuma Credit Union – Kansas City #minivan


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Loans

*APR = Annual Percentage Rate.

**APY = Annual Percentage Yield. As high as based on tier, term, or other factors.

The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval.

1 Rate reflects maximum available discounts. Contact a Membership Representative for rate discount qualifications.

2 Variable rate: Current average Treasury Bill of 0.25% plus 3.25%.

3 Variable rate: Current Prime Rate of 3.25% plus 1.50%.

Maximum used loan amount is NADA Retail Value . Models 9 years or older: add 2.00% to rates shown.

Rates apply to RV s, campers, 5th wheels and travel trailers. Wave Runners and jet skis limited to a max term of 48 months.

Compare Auto Transport Rates – Save up to 55% #indiana #auto #rv


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How to Compare Auto Transport Rates

Home Car Shipping Rates How to Compare Auto Transport Rates

If you are looking for the best possible auto transport rates. then you need to know all about the various options. Each and every day, people ship cars to all parts of the country from all parts of the country. These people make it happen with a process that is relatively easy to understand. Because there are lots of different shipping companies out there to help people with these needs, it is possible to get solid car shipping rates in the current economy. The question becomes, how do you find these rates? The simple answer is through comparison and using the internet, but that s not the complete answer.

How Distances Correlate with Auto Transport Rates

As you are comparing auto transport rates. you will find that there is a strong correlation between your rate and the distance that your shipment will cover. What you will find in looking at various companies is that there are some companies who do a much better job of providing low rates for long-range shipments. These companies might take a little bit longer to make the delivery, but they will provide you with something that is actually affordable. For people who are looking for a bit of value, these auto rates will be certainly something to consider. Ultimately, you are going to get the best rates only if you do a complete comparison of many different companies.

Understanding Your Car Shipping Service Options

It doesn t take a genius to see the difference in auto transport rates between covered trailers and uncovered trailers. For people who want a little bit more protection for their car, the covered route is a solid choice. These auto transport rates, of course, will be higher because these spots are in higher demand. The level of service that accompanies a spot in a covered trailer will vary based upon which company you are working with. This makes it even more important to look for as much information as you can when comparing the companies.

Likewise, lower auto transport rates can be had if you are willing to ship the vehicle in uncovered car transporters. As far as getting the car to its destination is concerned, these trailers do an excellent job. The issue here is that they cannot protect the vehicle from outside damage nearly as well as a covered trailer can. Keeping this in mind when looking at various auto transport rates will be your best approach to finding a company that satisfies all of your shipping needs.

Save Time Money with Online Auto Shipping Quotes

For those people who are serious about finding the best possible company for shipping their car, it is important to understand just how powerful the internet is in your search. Compare auto transport cost right online and you will be able to see how a bunch of different companies fare when put side by side. Cost is not the only consideration that you have to have in mind, so look for even more information on each of the companies. When you use the internet, you will be able to find out how they protect your car and how long it typically takes them to make deliveries to a host of different destinations. Comparing auto transport rates and details in this way gives consumers a better chance of understanding the process before they walk into it.

Getting Quotes from Various Auto Transport Companies

The nice thing about the internet is that you don t have to go around calling each and every one of the auto transport companies. In the past, this would have been the only way to find the information that you were looking for. When you compare car shipping prices using a comparison site, you can get a price quote from each and every company you are interested in without ever picking up the phone, which saves time and can really put things into perspective for you.

Who Provides the Best Auto Transport Rates?

When you are going through the various sites and comparing car shipping cost. you should keep your eye on those companies that are looking to break into the business with solid introductory prices. Many times, these companies will be looking to attract a new, loyal customer base. Using the net to find these price deals will save lots of money, whether you are shipping a car that you have just purchased, or a car that needs to be moved across the country with you.

Ultimately, comparing car shipping prices is the first thing that you need to do, and it s much easier when you enlist the help of solid comparison sites. As a consumer, you have to put in due diligence and, at the same time, you need to be aware of some of the things that impact auto transport prices.

Compare Auto Insurance Quotes and Rates #kendall #auto #group


#auto quotes
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compare auto insurance quotes

  • Get real quotes from leading companies
  • Compare numerous rates side by side
  • Select the policy that fits you best (even if it’s not from Esurance)

apples to apples: compare car insurance rates from top insurers for free

You’d never buy a car without shopping around. And if you were shopping for an eco-forward hybrid, you wouldn’t spend your time checking out muscle cars. So why should your car insurance be any different? To make sure you get the most bang for your buck, it’s always a good idea to shop around and compare plans that are similar.

Esurance lets you compare your quote with real quotes from other top companies. If you find a policy at the right price from one of the other companies, we’ll even help you buy it right from our site. As part of our goal to make shopping for auto insurance easy, we work with our sister company, Answer Financial, to provide you with real quotes from multiple companies in just minutes.

Car Insurance Quotes – Compare Online for Your Best Car Insurance Rates! #classic #autos #for #sale


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Looking for Car Insurance Quotes Online?

CarInsuranceQuotes.com makes comparing car insurance quotes from different insurance providers fast and easy!

It s simple: If you drive a car, you need car insurance. Almost every state in the U.S. requires that drivers have at least basic liability coverage. You should also consider additional coverages, such as uninsured motorist coverage, collision coverage, personal injury protection and comprehensive car insurance to make sure you re always prepared for the unexpected.

Depending upon your circumstances, you may need more than just the basics. We help you find the right insurance rates that meet all of your needs. Simply provide us with some basic information and we ll deliver free car insurance quotes for you to compare and consider.

We cater to both the newly insured and those switching policies

If you re buying insurance for the first time, we help you find carriers with coverage plans that make sense for your situation.

Already have auto insurance coverage? We can help with that as well by giving you quotes that may save you money.

Regularly reevaluate your car insurance coverage

Even if you think your current insurance coverage is fine, it never hurts to explore your options. Many things affect auto insurance rates, including:

  • Moving to a new state.
  • Getting married.
  • Getting a new job closer to home.
  • Your credit score.
  • Purchasing a new car that has modern safety features such as anti-lock brakes, air bags, and an alarm system.

Taking a defensive driving course or just improving your driving record on your own may also affect insurance rates. Even buying a home can change what you pay in auto insurance.

No matter your situation, it pays to shop around for car insurance quotes at least once a year. Insurance companies adjust rates all the time which means the amount you paid for coverage last year may be lower this year.

How CarInsuranceQuotes.com finds great rates for you

We make getting the lowest car insurance quote and comparing rates from insurance companies quick and easy. We respect your privacy, and always keep your personal information secure. All we need from you are answers to a few questions, such as:

  • Your age and gender
  • Your marital status and education level
  • Your credit rating
  • Your occupation
  • Your driving history, along with the history of other drivers in the household
  • Your vehicle make and model

We also need your ZIP code and the best way of contacting you. We take it from there.

We connect you with local and national insurance companies ready to provide quotes quickly and accurately, within just a few minutes. You receive information from multiple carriers, all by filling in one form on our site. Our free car insurance quotes come from many different insurance companies, including the nation s top insurers including Allstate, Farmers, Liberty Mutual, Travelers, and Esurance.

Compare premium costs easily

Comparing car insurance quotes can be confusing and frustrating. We make it straightforward and simple. The best way to find a great price is by looking at several quotes, all based on the same data input, side-by-side. This way you ll never pay more than you have to for auto insurance.

Use our expert car insurance resources

In addition to giving you quotes, CarInsuranceQuotes.com also offers expert news, information and articles about auto insurance to keep you informed. After viewing our resources, if you think you deserve better insurance rates, sign up for free car insurance quotes today.

Best Mexican Auto Insurance Online Rates – Best Quality Mexican Insurance Policies #use #car #for #sale


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Simply The Best Mexican Insurance Policies In The Industry At The Least Expense

We Keep It Simple. Find the best rates on quality Mexican auto insurance in one easy click! Save time, money, and frustration by comparing 7 top Mexico insurance rates. Unlike many policies sold by agencies in your local community or at the border, the news is that our insurers are top ranked (A+ and A) by the worlds foremost independent credit rating guides for the best overall stability and ability to pay claims.

We make online shopping Safe, Secure and Easy. You can print your policy INSTANTLY! We save you money because our fees are 44% – 69% less than policies sold at the border and online and we pass the savings on to you.

How do we do it? By not charging you extra for the best and most Comprehensive Platinum Travel Assistance Services in the industry. In particular, customers rave about our GUARANTEED 30 Minute Roadside And Claims Assistance Services on all highways in Mexico!

Mexican Insurance Store offers the lowest deductibles in the industry. Depending on the program you choose and the value of your vehicle, “fixed deductibles” come at NO Additional Charge. unlike many providers.

NEWS: If you cant take your trip for any reason, we will cheerfully Refund 100% of your premium Guaranteed! Just send us an email requesting cancellation before your policy begins. It’s just one more way that Mexican Insurance Store outshines the competition and helps keep your vacation money where it belongs – in your pocket!

Don’t tell your friends about Mexican Insurance Store. OK? It’s our little secret.

Bank Of Oklahoma – Current Loan Rates #best #used #cars


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CURRENT LOAN RATES

1 The Annual Percentage Rate (APR) shown for New/Used Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual’s excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance.

2 The APR shown for Home Equity Lines of Credit is valid with a loan to value of 85% or less. The APR during the revolving period ranged from 4.50% to 5.50% as of June 1, 2015. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A $50 annual fee applies.

3 The APR shown for Home Equity Loans is offered on loans in first lien position with a loan to value of 85% or less. Property insurance required including flood insurance where applicable. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $337.86 for a 180 month loan at 6.00% APR with a $40,000 original balance.

4 The APR shown for Total Equity Lines of Credit is subject to approval. The APR is offered depending on the individual’s outstanding line of credit balance. Individuals with less than a $20,000 outstanding balance may be offered higher rates. A $50 annual fee applies.

All rates and terms are subject to credit approval and could change without notice. Member FDIC. Equal Housing Lender.

Auto Loans and Vehicle Financing Rates in Jackson MI – American 1 Credit Union #everything #auto


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Auto Loan Experts

Buying a car is an important decision. You don t want just anyone handling your auto loan.

American 1 specializes in auto financing. If you need to finance a vehicle, we can help every step of the way.

Our auto loans have competitive interest rates, low monthly payments and convenient payment options through online banking, that make an auto loan with American 1 a smart choice.

Save time and money before buying your next vehicle by getting pre-approved for your auto loan. Also learn about the protection products we offer, like GAP and Mechanical Breakdown Protection.

Visit our AUTO LOAN EXPERTS page for great tools and tips.

Refinance

If you have an auto loan with another financial institution, chances are you re paying too much. Refinancing with American 1 can save you money, possibly lowering your interest rate and monthly payment. There are no application fees, and you don t have to be a member to apply.

What do you need to refinance your vehicle? Here s a quick list:

  • Proof of income (recent pay stub)
  • Proof of insurance
  • Original vehicle title
  • 10-day payoff

CONTACT US to see how much you could save each month.

Auto loan rates are down for buyers with bad credit #auto #body #shop


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Auto loan rates are down, and financing is easier to get for buyers with bad credit

By: Bill Visnic, June 13th 2011

It was tough for buyers with less-than-perfect credit to get an auto loan during the recession.

Even after the recession ended, many economists and auto-industry analysts said credit requirements stayed too strict for too long, dampening many borrowers’ ability to buy a new car or truck.

But prospects are improving for subprime borrowers – it’s not only getting easier to get a car loan but to qualify for a better interest rate, too.

Credit data expert Experian Automotive says that sharply declining repossession rates in the first part of 2011 are giving lenders confidence that auto-loan defaults, spurred by the recession, are leveling out.

In the first quarter this year, 30-day delinquencies were down almost 8%, said Experian, and the total balance of auto-loan delinquencies was down $2.3 billion compared with the same period in 2010.

That, as well as a big effort on the part of car companies such as General Motors and Chrysler to expand the availability of subprime loans from their “in-house” lending units, means it’s getting significantly easier for those with nonprime credit (score of 620 to 679) and subprime credit (score of 550 to 619) to obtain an auto loan.

That’s one of the reasons that a dealership’s finance manager can often offer the best deals on bad-credit car loans.

Lending to auto buyers with nonprime scores was up 7.8% in the first quarter, and subprime loans increased by 8.5%, Experian says.

Even more helpful, the average credit score for all auto loans was down a significant 10 points to 766 – not far from the average loan score of 753 just before the recession.

Meanwhile, interest rates for nonprime and subprime auto loans also are declining.

In the first quarter last year, the average annual percentage rate (APR) for subprime auto loans was 10.8%.

This year, the APR on subprime loans was down to 10.38%. Nonprime auto loan rates dropped almost a full point, from 7.57% in 2010 to 6.76% this year.

Click here to compare the best auto loan rates from dozens of lenders.

Our use our auto loan calculator to see what the monthly payments would be for any interest rate and deal.

Experian summarized by saying that “credit continues to loosen” on auto loans and average credit scores needed to qualify for loans at all credit-rating levels continues to decrease.

The auto loan rates for subprime buyers that had reached nosebleed heights during the recession are starting to return to more acceptable levels that make monthly payments more manageable for buyers with less-than-perfect credit.

This is true of financing terms for both new and used vehicles.

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Banks With the Best CD & IRA Interest Rates #bank #ira #rates


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Banks With the Best CD IRA Interest Rates

The turmoil in the world economy, and the staggering losses inflicted by a falling stock market have left many people looking for safer alternatives for their savings. When it comes to short-term savings, nothing is safer than FDIC-insured banks. Unfortunately, finding good interest rates for CDs and IRAs is more difficult than ever. Fortunately, there are many resources available for consumers who are determined to find the banks with the best CD and IRA interest rates. Opening an account at these financial institutions can offer a decent return and a feeling of safety.

History

It was just a few decades ago that consumers hoping to shop around for better interest rates on their CDs and IRA accounts didn t have many options. Until 1994, banks that were members of the Federal Reserve System were not allowed to cross state lines. Even within a state, customers in many states could not even use a branch from the same bank if they did not open and maintain their account there. After the Savings and Loan crisis of the 1980s, Congress began to pass banking legislation that opened up competition among banks and allowed for branch banking within a state and across state lines. This meant that finding the best CD IRA interest rates was now just a matter of looking hard enough.

Considerations

With short-term interest rates at all-time lows, finding the best CD IRA interest rates is more important than ever. Unfortunately, many of each bank s highest CD interest rates and IRA interest rates require a minimum deposit amount. Other rates may require the customer to also have a checking or savings account in addition to the CD or IRA account. Compare not just rates, but what it takes to get those rates.

Some banks offer higher rates for IRA accounts because they feel that they may be long-term assets even without a long-time commitment for a CD. For IRA accounts be sure to check and see if there is different rate for CDs or even money market accounts that might be higher than the rates offered for non-retirement accounts.

Identification

Finding the best CD and IRA interest rates requires looking at multiple financial institutions. While it is possible to search each individual bank s website manually, there are numerous online resources that make finding the best rates easier. For local rates offered by in-state banks, newspaper and TV station websites often include an interest rate comparison chart that is updated regularly. Financial websites like BankRate.com and offer CD and IRA interest rate comparisons nationwide.

Time Frame

Typically, higher interest rates are offered to customers looking for longer-term CDs and IRA CD accounts. Thus, a five-year CD generally pays more interest than a one-year CD, and a ten-year CD usually pays more than both the former. However, with interest rates at historic lows, be sure to carefully evaluate the pros and cons of locking up funds for a long period of time.

Expert Insight

Interest rates are at all time lows, with the Federal Reserve currently holding its target rate to between 0 percent interest and 0.25 percent interest. From here, interest rates have literally nowhere to go but up. While CDs and IRA accounts with longer timeframes may offer higher rates, those rates are likely to be eclipsed in just the next few years. Thus, the rate on a 10-year CD may be the going rate for a 1-year CD in just two or three years. Consider carefully, the added value of purchasing long-term CDs and IRA CDs at this time. Most people would be better served by 1-year CDs or even 3-year CDs or IRAs than a 10-year CD.

Warning

Most CDs and IRA CD accounts with the best interest rates have penalties for early withdrawal. Be sure to know exactly how much the penalty is for early withdrawal and figure that into your comparison of best interest rates. A 5-year CD offering 3.0 percent interest with a penalty of one-quarter of interest for early withdrawal may be a better offer than a CD offering 3.125 percent interest with a penalty of one year worth of interest for early withdrawal, for most people.

Best Current CD Interest Rates

As of November, 2009, the best interest rates nationally available being offered on 1-year CDs to new and existing accounts were 2.08 percent at UmbrellaBank.com, 2.03 percent at United Americas Bank, 1.99 percent at Pacific Mercantile Bank, and 1.98 percent at Colorado Federal Savings Bank. The average interest rate was 1.680 percent.

The best interest rates on 5-year CDs were 3.30 percent at Discover Bank, 3.05 percent at Ally Bank and 2.97 percent at Aurora Bank, FSB. The average 5-year CD interest rate was 2.873 percent.

All numbers are from BankRate.com. Interest rates listed are as percentages at APY.

Whole Life Insurance with No Medical Exam #getting #a #whole #life #policy #without #a #medical #exam,life #insurance #rate,life #insurance #rates,rates #on #life #insurance


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Getting a Whole Life Policy Without a Medical Exam

Nobody wants to spend too much time thinking about the end of their life. However, leaving loved ones in a financial bind is not a good thought either. While it would be ideal if you could save money throughout your life for these expenses, most people need what they make to live on. It’s not at all uncommon for a couple to hit retirement and have no real plan in place for end-of-life expenses. Luckily, there is still the option of no medical exam whole life insurance. Getting life insurance without a medical exam is ideal for many situations, but you need to shop carefully and understand what these policies offer and, perhaps most importantly, what skipping a medical exam could cost you.

The Benefits of Skipping a Medical Exam

There are several benefits to obtaining a no medical exam whole life insurance policy. One of the main reasons that so many people favor no exam whole life policies is because there is no exclusions when it comes to existing health conditions. Many life insurance carriers will refuse to issue a policy for people who have been diagnosed with cancer, have a history of heart problems or even have been smokers throughout their life. With a whole life insurance no exam policy, you can get coverage no matter what your circumstances or your current medical conditions. If you pass away during the period where the policy is active, your dependents will get a lump-sum payment that can be applied to funeral expenses or helping them maintain their current lifestyle while they make other arrangements. In addition, all whole life policies have a cash value and do not expire, unlike term life plans. In short, if you currently have medical conditions that would normally prevent you from getting a policy, this particular type of screening is ideal for the whole life insurance product.

What a No Exam Policy Will Cost You

Forgoing a medical exam is not without a price. It’s important to realize that most no medical exam whole life insurance policies probably have limitations and exceptions to coverage. It’s very common for this type of coverage to have an exclusion period, often as long as two years, sometimes longer depending on the provider. This means that if any of the policy holders die from natural causes or disease during this time their beneficiaries may be left with a reduced settlement or no payout at all; being involved in an accident may or may not apply to this limitation. In addition, buying a whole life insurance no exam policy can be very expensive – often significantly more than a comparable plan where the insured undergoes an examination. Since costs can be as much as double that of a policy issued without an exam, you should try to exhaust that option first. If you’re absolutely sure that an examination would preclude you from a policy (or you just don’t want to subject yourself to a medical exam) we can help. We work with the nation’s top providers of no medical exam whole life insurance, so use the form at the top of this page to view current rates and select the provider that best-fits your current situation.

2017 www.lifeinsurancerates.com
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Call Center (877) 407-6153

All other trademarks and copyrights are the property of their respective holders.

LifeInsuranceRates.com is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. LifeInsuranceRates.com is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a LifeInsuranceRates.com affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.

Term Life Insurance Quotes #term #life #insurance,life #insurance #quotes,term #life #insurance #quotes,life #insurance #rates,instant,life #insurance #online


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Life Insurance Quote in Seconds

Don’t worry we are not just another lead generation website that will sell your information, we are a team of highly qualified insurance agents and will only use your information for the purpose of helping you find the best life insurance policy. Real time life insurance rates will be displayed to you online, so GET STARTED now!

We provide consumers with objective unibiased term insurance advice and the best service available. Our philosophy is our mantra. These principles have helped us become a credited provider of life insurance quotes across the country. Since we first came online in 1996 we have helped thousands of Americans shop,compare, and purchase insurance for the comfort of their home

Term life insurance is a simple, affordable, and easy way to ensure your beneficiaries financial security in the event ofyour passing The term of the policy can vary from one to thirty years of coverage. The face amounts stay level throughout the term and generally begin at $25,000 and increase to meet your specific needs.

Instant Life Insurance Quotes Make a Difference

Life insurance is something that will benefit all adults, and should be considered as an investment option for your family’s future. Many people believe they cannot afford life insurance, or that they do not currently need life insurance. Without fully understanding how this type of insurance policy can benefit the individual and the person’s family as well, it may be a challenge to determine why it is so important. There are numerous types of life insurance contracts available.

Term life insurance is often considered the most popular form of insurance for people who want to put a prepared financial plan into place to shelter their family members in case something unexpected happens to the policy holder. Quick and easy life insurance quotes are available with just the click of a button and by entering in some accurate, basic information into an online form. Within minutes or less, an instant quote will be given for life insurance. For people who have thought that perhaps life insurance was an expense that was out of their reach, taking advantage of online instant life insurance quotes can help a person to quickly determine whether or not this is something that is within their budget limits.

Instant life insurance quotes can not only be obtained for a single person, but also for the entire family if the individual is married and has children. In many situations, if the main breadwinner passes away the family is at an immediate loss of all or half of the income that the depend on to live. This absence of income can put many families into financial jeopardy and this makes it very difficult to stay current on mortgage payments or rent, taxes, utility bills, car payments, and medical insurance payments.

Finding out how much life insurance will cost your family by getting a fast and easy online quote is a great way to begin creating a plan to fit the cost of insurance into your monthly budget. This will help to protect your family financially in the event that an accident, illness, or another event leads to an unexpected death. No one likes to think about the fact that they may need to use their life insurance policy. However, if a person does have a life insurance policy, the family and beneficiaries will be cared for financially. This often makes a big difference in how well a family is able to survive and prosper in the long term.

You are able to view quotes for the following: term life insurance, burial insurance. universal life, as well as more specialized products like high risk life insurance online by filling out the simple form to the right. Upon getting a quote, a person can then consult with an agent to determine what type of insurance policy will best fit into the person’s budget and which type of policy will provide the most amount of coverage for the individual’s specific situation. Some people are only interested in purchasing a burial policy that will give them funeral expenses covered, and others are interested in purchasing a policy that will provide a lump sum payout to an authorized beneficiary.

In the long run, it is rarely too late to begin investigating life insurance options. Many people believe that because they have reached a certain age or because they have a specific health problem, they will not qualify for life insurance. Because there are so many different types of life insurance policies and contracts available, there is a policy to work for just about every person, no matter the person’s health status, financial status. Life Insurance at any age is available.

Types of Life Insurance

Austin Homeowners Insurance – Home Insurance Quotes in Austin Texas, TX #homeowners #insurance #austin #texas, #house #insurance #austin #home #insurance #austin #homeowners #insurance #in #austin #texas #tx #compare #rates #quotes #home #insurance #in #austin #texas #tx #cheapest #insurance


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Austin Home Insurance, Homeowners insurance in Austin Texas TX

Austin Home Insurance Owners Quotes

Austin Home Insurance Coverage forms for most Austin Home and Condo Property Risks are available at this time. Forms HOA, HO1, HO2, HOB, HOC, DP1. Fire.

Home Insurance Programs are available with Credit Score or Non Credit Scored factoring. Good or bad credit is not an issue with our new non scored Hassle Free HOA program

Coverage can be effected same day or following day in most cases.

Coverage can not start before we have received your completed application. For your convenience, an online Austin Home Insurance application is in the forms page of the website. The form can be printed or submitted over the web.

Monthly Direct bill is now available on all personal lines programs including Non Escrowed.

If electrical wiring. plumbing and roof have all been updated in the last 20 years then you can get a rating discount by using the first remodeling date as the age of the home. Up to a 10% credit.

Homeowners living on 1 or more acres, with or without hobby animals, can now qualify for our homeowner program, No need for a Farm and Ranch type policy. If AG sales are less than $5000/yr- you can still go in our Homeowner programs.

We now offer $5000 of accidental water damage coverage on a DP1 on a standard Fire, EC, Vmm policy for a flat $100 AP. This applies to a tenant or owner occupied home.

Single and Multi family Residential Rental Property insurance for up to 8 unit properties, can in most cases can be covered on a residential DP1 policy form.

Apartment House Program

Programs for Apartment Buildings with between 10 tp 50 units. This program is a package type policy covering Basic, Broad or Special perils and with values of $25,000 to $2.5 Million per location in all counties except tier 1.

We can provide Building, Contents, Rents, Liability and Crime as well as the tenants contents extension clause. Risks do not need to be loss free.

Rates are very competitive with other underwriters of this business trade group.

Commercial Property Programs

We have a new facility available that will accept most any type of commercial risks where the property values are up to $5,000,000 per location.

Online Loan Amortization Schedule: Printable Home – Auto Loan Repayment Chart #refi #rates #chart


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Car Mortgage Payment Amortization Table

Loan Amortization Calculator

This calculator will figure a loan’s payment amount at various payment intervals — based on the principal amount borrowed, the length of the loan and the annual interest rate. Then, once you have computed the payment, click on the “Create Amortization Schedule” button to create a printable report. You can then print out the full amortization chart.

The Full Monthly Repayment Chart and Understanding Your Payment Allocations

No one factor affects the cost of purchasing a house more than length of the loan. This may seem like a no-brainer, but so many people look only at the monthly cost and never consider the total cost. That is a huge error. Using our amortization calculator you can enter various scenarios to reveal the true cost of the place you will call home any other type of loan.

Compare a 30-Year Loan

It can’t be expressed enough that you should almost always choose a 15-year fixed mortgage . Unless you plan to move in a few years, the 15-year is the way to go. In the beginning, a large portion of your payment goes to interest. As time progresses more is placed toward principal, but it takes years before the interest and principal are equal paid. For example, let’s assume you have a $200,000 fixed mortgage for 30 years at 4% interest and no down payment. Your monthly principal and interest is $954.83, but it would take 153 payments until more money is directed to principal than interest. The road to building equity is slow moving. After five years you still owe $180,895; after 10 years you still owe $157.568, and after 30 you will have paid the bank $143,739 in interest. Yes, you saw that right. So In reality that $200,000 home really costs you $343,739!

The 15-Year is the Real Winner

Let’s take the same $200,000 fixed loan at 4%, but this time let’s select a 15-year term. This scenario provides monthly principal and interest of $1,479.38. This is a bit more than our other example, but stay with me here. Right off the bat, more of your investment is going more to principal than interest. After five years you still owe $146,117; after 10 years you still owe $80,328, and at the end of the term you will have paid the bank only $66,287 in interest. This time the total cost of borrowing $200,000 is $266,287 saving you $77,452 in interest compared to the 30-year option. Think of what your life would be like being mortgage free after only 15 years and having an extra $77,452 in your pocket!

Figure your savings by comparing 15-yr vs 30-yr loans side by side.

Few are Disciplined Enough

You may say that you don’t want to be locked into that higher payment and that you’ll simply add extra each month to reduce some of that interest? It rarely happens. Life happens, and the extra money slides through your fingers for things you no longer remember. Forcing yourself to fit the higher payment into your budget from the start is the only way to ensure paying the loan off in 15 years and saving all that interest.

Additional Borrowing Expenses

Principal and interest are not the only expenses tied to the loan. Your county wants some of your money and so does your insurance company, so be prepared for property taxes and homeowners insurance. The more expensive the house, the more both of these will cost. Most people roll these two charges into their monthly mortgage. Otherwise, you will be faced with a large bill at the end of the year.

If your down payment is under 20%, the bank will require private mortgage insurance (PMI). This doesn’t protect you. it protects the bank in case you default. It can cost 0.5% to 1% of the entire loan. This fee is also rolled into your monthly payment. When the equity in your house reaches 20% the PMI can be removed, so this is another reason to choose the 15 year option – where your equity builds faster.

Home Ownership Has Other Costs

If you are a renter, you are accustomed to charges for utilities, but if you move into a larger house, be prepared for a larger heating and cooling bill. If anything needs repaired, you are responsible for all the parts and installation. So you need to build a rainy day fund, because odds are against you that one day the air conditioner will fail or the roof will leak or one of your major appliances will go on the blink. Without an emergency fund, these types of events can put you in the red. Lawn maintenance is another expense which may be new to you. Lawn mowers, weed whackers, hedge trimmers, etc. will be an immediate expense. If you live in a neighborhood with a homeowners association, monthly or quarterly fees may be required.

Don’t Go Overboard

Although a discretionary expense, home decoration/improvements must be addressed here. The home you buy, may not be move-in ready, so carpets may need to be replaced, floors refinished and walls painted. Beyond that, there is also the temptation to buy new furniture, draperies, and wall hangings, especially if you move from say a 1,200 square foot apartment to a 2,400 square foot house. You will be eager to make the house your home and nothing says home like the unique additions you select. For bargains look at amazon.com. your local craigslist.org or ebay.com. Go slow and don’t overextend yourself by buying on credit. It’s very easy for first time homeowners to find themselves not only with a large payment but also debt that can be overwhelming. It’s wise to make a list of the things you want to change and plan to tackle one every few months or however long it takes to save the extra money. You have just made the most expensive purchase of a lifetime, enjoy your new surroundings, and treasure the gradual debt free changes you make over the years.

2007 – 2017 www.MortgageCalculator.org | Contact Us

Cheap Car Insurance #cheap #car #insurance, #affordable #car #insurance, #cheap #car #insurance #quotes, #low #rates, #cheap #car #insurance #for #students


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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.

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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Distracted, texting South Carolina drivers are getting into more auto accidents, raising insurance premiums #south #carolina, #texting, #distracted, #insurance, #rates, #premiums, #commissioners, #columbia #


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More texts, more wrecks: Distracted SC drivers push up insurance rates

March 06, 2017 7:27 PM

It’s an all-too-frequent occurrence on Columbia’s crowded downtown streets, especially when the University of South Carolina is in session: A traffic light turns green and the car in front of you doesn’t move.

The driver’s head is down. It’s obvious he or she, possibly a USC student or young professional, is texting.

“Sure, it’s a problem with those university kids,” said Ray Farmer, director of South Carolina’s Department of Insurance. “But if you go back to their hometowns, their parents are doing it, too.”

Districted driving, however, is more than an inconvenience. It is a serious threat on our roadways and to your pocketbook. Insurance rates are rising rapidly because of a startling increase in accidents attributed to distracted driving.

Data from the state Insurance Department show rates in South Carolina jumped 8.9 percent in 2016, following hikes of 2.6 percent, 3 percent and 4.2 percent the previous three years. The increases are an aggregate of the state’s top 10 insurers.

“And distracted driving is a big part of that,” Farmer said. “You can’t go on the road without seeing someone – it doesn’t matter the age – texting, talking on on the phone or reading emails.”

Nationally, premiums have increased 16 percent since 2011, according to the National Association of Insurance Commissioners.

“Obviously, insurance companies are (raising premiums) because their losses are going up,” Farmer said.

Nationally, more than 40,000 people died on the road last year — up 14 percent since 2014. That’s the sharpest rise in 53 years, the Wall Street Journal reported. And distraction-related deaths were up almost 9 percent in 2015, according to data from the National Highway Traffic Safety Administration.

In South Carolina, distracted-driving deaths hit a six-year low with 43 in 2016, according to the S.C. Department of Public Safety. But in 2015 they suffered a record high of 64.

Distracted-driving collisions with injuries rose to a record 5,698 in 2016, up from 4,399 in 2011, department records show.

“We are seeing an increase in accident frequency,” said Russ Dubisky, executive director of the South Carolina Insurance Association, a lobbying group of insurance companies. “And we’re seeing more serious injuries.”

To combat that, the Insurance Department last month launched an awareness campaign casting texting and driving as #inexcusable. It also asks South Carolina residents to take an online pledge on their website http://doi.sc.gov/884/Distracted-Driving. Doing so will enter the participant in a raffle for free tickets to the iHeartMedia’s Carolina Country Concert this June in Myrtle Beach.

“This is behavior we can stop if we really want to,” Farmer said.

▪ S.C. ranks No. 1 in fatalities per 100 million vehicle miles traveled in 2016.

▪ 1,015 people died in traffic accidents on S.C. roads in 2016.

▪ S.C. has the nation’s third-worst drivers.

▪ Nationally, data show that 64 percent of all car accidents involve mobile phone usage.

▪ S.C. ranked 7th in 2016 in the percentage of driving fatalities related to speed.

▪ Nationally, fatal accidents increased 7 percent in 2016, the biggest year-over-year increase since 1966.

SOURCE: National Highway Traffic Safety Administration

South Carolina Car Insurance #car #insurance, #car #insurance #in #sc, #south #carolina #car #insurance #quotes, #state #car #insurance #rates


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South Carolina Car Insurance

The Piedmont region of South Carolina has the state’s cheapest state car insurance rates. and while car insurance is relatively inexpensive statewide, the difference between different insurance companies can be substantial. We’ve got every ZIP code in South Carolina mapped out below. See the difference between the highes and lowest rate for the same policy, as well as the average rate, by entering your ZIP code, age and coverage level.

South Carolina car insurance requirements

Penny Gusner
CarInsurance.com
Consumer Analyst

South Carolina Car Insurance Laws

South Carolina not only requires liability insurance for bodily injury and property damage (as almost all states do) and uninsured motorist coverage (as many do), it demands its drivers buy uninsured motorist property damage as well.

That $25,000 would repair or replace your car if you get hit by someone without insurance — but it won’t fix your car if you are at fault. Only collision coverage does that.

Bring your insurance card. South Carolina requires an insurance company name and policy number at time of registration. If your policy is canceled, you must turn in your driver’s license and registration or find new coverage. You’ll pay a $200 reinstatement fee, plus $5 for every day you failed to have car insurance..

Register as an uninsured motorist: South Carolina allows a driver to pay a $550 annual fee to register as an uninsured motorist. The driver is still liable for any damage he causes, and the fee doesn’t buy any kind of coverage. We think this is a really, really bad option.

Uninsured motorist penalties for South Carolina: If you don’t register and pay the $500 fee to drive uninsured, you may have to pay a $445 fee, your license and registration may be suspended, your plates may be confiscated and you may have to file an SR-22 form.

Save your driver’s license: South Carolina reduces your total driver’s license points by half after one year, though a record of the violation stays on your motor vehicle record for three years. You can also reduce your points total by four by taking a defensive driving course. License suspensions start at 12 points; a 25-mph over the speed limit ticket is six points; a broken taillight is two.

Minimum age for owning and registering a car: In South Carolina, you must be 17 to own and register a car. Most insurance companies will require a parent or guardian to sign a car insurance policy because it is a legal document.

Cracked windshield law: If you have comprehensive coverage. your insurance will pay for a windshield replacement without a deductible being due. The fine for a cracked windshield is $237.

White lightning alert: You can lose your South Carolina driver’s license for hauling moonshine.

Proof of insurance via smartphone: South Carolina law allows drivers to show electronic proof of insurance during a traffic stop. Thirty-one states total allow this.

Largest car insurance companies for South Carolina by market share

Typical Interest Rates for Good and Bad Credit #auto #spares


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Typical Interest Rates for Good and Bad Credit

Before getting your heart set on the perfect new or used car you need to understand how much you can afford to pay for a vehicle. If you are thinking about buying a car, you first need to check your credit score. Next you must compare different interest rates that depend on whether you have good or bad credit. Most people do not realize how bad credit can affect their car buying experience.

Get approved for an auto loan now

Average Interest Rates for Good Credit

Car buyers who have a credit rating from about 700 to 850 have good-to-excellent credit. These buyers will pay between 3% and 4% interest on their car loan. When shopping for a new or used car dealerships usually advertise no money down for qualified buyers — to qualify for this option you often need a very good credit score over 800. It may make more sense to wait a few months and increase your credit score before applying for a loan. You could save thousands of dollars on your car purchase with a lower interest rate.

Average Interest Rates for Bad Credit

In today s economy more and more people are facing average or bad credit scores. When people were out of work they may have missed payments on credit cards or even experienced a foreclosure. These are the same people who may have babied their car but are in desperate need of a newer more reliable model. The average interest rate for someone with average credit is about 5% to 6%. The interest rate for someone with bad credit varies from 6.5% all the way up to 12.9% or more on average.

If you are able to boost your credit score before applying for a loan you could save thousands of dollars in interest over the life of the loan. When you are thinking about your budget and how much you can realistically pay for a car, keep your credit score in mind and how much you will likely pay for interest.

Even if the dealership is able to get the payments down to a reasonable amount by extending the terms of the loan, make sure you are not paying more than the vehicle is actually worth. Overall, keep in mind that your credit score good or bad has long term consequences.

Get approved for an auto loan now

Precise Medical Billing, Inc #medical #billing #service #rates


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Precise Medical Billing, Inc. | 3% Special (Free EHR, No Start-Up Service Fees or Software Cost)

PRECISE MEDICAL BILLING INCORPORATED

Monthly Percentages Fees for Medical Billing Services

Contact Us today at 1(866)722-1596 to find out how your practice can receive our Full Services for 3% of Monthly Collections for the first 90 days. (Free EHR, No Start Up Fees or Software Costs)

Complimentary EDI Analysis For All New Clients

If your are experiencing a rash of rejections or your projected office cash-flow is not adding up, please contact us as soon as possible. In some states the Medicaid timely filing limitations for claim appeals is 30-45 days from the date of original rejection.

Full Service 5% Monthly Collections (Patients Insurance)

Meaningful Use Asst. $350

Credentialing $500 per Doctor or Bundle (10 Applications) $1000

A/R Collections $10 Per Claim

EDI Analysis $250 Per Doctor on Staff (Free for all New Clients)

PRACTICE MANAGEMENT SERVICES AND SOLUTIONS

Precise Medical Billing Incorporated. a practice management service organization with over thirty years of experience, offers services and solutions to expedite insurance claims reimbursement.

Our mission is to assist our clients in perfecting the entire scope of the medical billing process through increased awareness of proper billing techniques, coding, compliance and knowledge of current industry guidelines.

We focus on maximizing your income for services provided, thus allowing you to concentrate on the care of your patients.

    • Business Practice Start-Up Services
    • Credentialing Provider Enrollment Services
    • Front Office Training
    • EHR Meaningful Use Training Attestation
    • Coding
    • Off-Site Processing and Remote Access
    • Electronic Medical Billing
    • Revenue Cycle Management Services
    • Accounts Receivable Services
    • EDI Claims Scrubbing
    • EDI Analysis
    • Fee Schedule Updating
    • Information Technology Updating
    • Posting Insurance and Patient Payments
    • Electronic Patient Statements
    • Clean-Ups Consultations
    • Delinquent Claims Tracking, Follow-Up Data Analysis
    • Internal Auditing

OUTSOURCING YOUR ACCOUNTS RECEIVABLE

United States President Barack Obama signs The Patient Protection and Affordable Care Act (PPACA) 2010 shaping current insurance industry guidelines.

In your efforts to transition into the policies being shaped by the 2010 Patient Protection and Affordable Care Act, having our services year round could prove to be a very wise decision. Our mission is to assist our clients in perfecting the entire scope of medical billing process through increased awareness of proper billing techniques, coding, compliance, information technology and knowledge of current industry guidelines.

Our short-term goal is to increase insurance revenue by 5% within the first 120 days of contracting with a new client, with a 1-year goal of 15% growth for clients averaging around 80% claims reimbursement percentage.

Credentialing and Provider Enrollment with Medicare, Medicaid, BCBS and HMOs, is an essential part of our strategy to attain higher claims reimbursement percentages. Registering Providers with Insurance Company Internet web sites for Direct Data Entry claim submissions, Checking Eligibility, Claim Status, and to receive Electronic Remits (EDI 835 files) speeds up the over-all payment cycle and gives us more time to resolve claim payment denials.

As Health Maintenance Organizations grow in membership, the window to get claims adjudicated has gotten smaller, especially when patients insurance can change in the middle of the billing process. Diagnosis coding is changing, as ICD-9 is converting over to ICD-10, which will surely have some impact on the billing process.

Many Practices around the country are gravitating towards having professional billing services handle the accounts receivable follow-up end of the billing process to ensure additional resources are in place in the midst of the above mentioned changes to the insurance industry.

Precise Medical Billing Incorporated is ready for full implementation of The Patient Protection and Affordable Care Act. We are committed to creating and maintaining professional business relationships. We always stand by our word and exceed client expectations through the development of billing department solutions that increase production and maximize insurance claims revenue.

ELECTRONIC DATA INTERCHANGE (EDI) ANALYSIS

IDENTIFYING THE CAUSES OF LOSS REVENUE

  • Eligibility (Insurance Information)
  • Patient Demographics (Name, DOB, Insurance Number Do Not Match)
  • Prior-Authorization (Auth not obtained or Auth # Not on Claim)
  • Medical Necessity (Diagnosis Coding)

A. Patient Eligibility

  1. Verification of whether or not the patient has active insurance benefits
  2. Verification of Insurance Payer *If the patient is enrolled in a HMO
  3. Contacting HMO/MCO * Check benefits
  4. Obtain Prior Authorization if required
  5. Updating patient information
  • Correctly adding HMO Information and New Contract Number (#) to Patients Insurance information database

Our professional knowledge is that Medicare, BCBS, Medicaid, and their affiliated HMO/MCOs have policies in place such as timely filing limitations that are designed/calculated to negate claim reimbursement in as little 90 days from a patients date of service. If eligibility is not checked on every visit the potential for Loss Revenue drastically increases.

**EDI Analysis Code Examples**

Claim is billed to Medicaid and rejects (data analysis code 24).
*24 – Claim not covered by this payer/contractor = HMO/MCO

Claim is billed to Medicare and rejects ( data analysis code 109 )
*109 – Claim/service not covered by this payer/contractor. You must send the claim/service to the correct payer/contractor = HMO/MCO

If the proper steps are not taken to resolve these claim denials, it usually results in Loss Revenue ( data analysis code 29 )
*29 – The time limit for filing has expired

Our staffs of Medical Billing Experts, Analysts and Claims Research Specialists follow a trained methodology when approaching EDI edits, rejections, and delinquent claims tracking. Once patient information/demographics and claims issues are resolved, notes are typed behind each claim highlighting the problem and correction that was made prior to claim resubmission. We use Excel spreadsheets to keep record of all Claims Tracking and Follow-Up.

Your assigned analyst reviews the results of the Claims Tracking and Follow-Up efforts; the data is converted into narrative and chart form and held over for the next meeting with Practice Representatives for discussion on ways we can improve collectively in our efforts to increase insurance revenue.

We have proven Solutions for Accounts Receivable and Loss Revenue. Medical Practices first and last line of defense against EDI rejections and insurance claim denials should be Precise Medical Billing, Incorporated.

Contact Us Today 1(866)722-1596

Pricing for Medical Billing Services | New Client Proposal

Sign up today and receive our Full Service Medical Billing Package for just 3% of Monthly Collections for the first 60 days of new contract. After the first 60 days of services, our rate goes to 5% and will not increase.

Please Fill out the Contact Form Below and Click Submit .

Tips on Finding the Best Auto Loan Rates #auto #supplies


#best auto loan rates
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Tips on Finding the Best Auto Loan Rates

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How to Find the Best Car Loan Rates

Finding the best auto loan rates hasn t been easier than it is today, especially if you have excellent credit. An October, 2012 report by Automotive News said that banks are charging U.S. buyers the lowest interest rates on new-car loans since the Federal Reserve began surveying them in 1971. Additionally, Comerica Bank s Q2 2012 Auto Affordability Index shows that new vehicles are more affordable for the average American household than they ve been since the early 1980s.

These trends, my friends, indicate a buyer s market. Quite literally, there hasn t been a better time to buy a new car. truck, or SUV since I was in junior high school.

As favorable as market conditions might be, getting the best car loan rates still requires some effort on the buyer s part, unless, of course, you re taking advantage of a 0% financing opportunity. Rates don t get any lower than that.

If your credit isn t perfect, or the vehicle you want to buy isn t available with zero-interest financing, you ll need to shop around for the best auto loan rates. On the pages that follow, we ll provide useful tips on finding the best auto loan rates.

Page 2 of 5

Know Your Credit Score

Tip #1: Know Your Credit Score

Before you shop for the best auto loan rates, it s helpful to know exactly what s on your credit report, and what your credit score is. There are three primary credit-reporting agencies in U.S. Experian, Equifax, and Trans Union and they are required by law to provide consumers with one free credit report each year.

To obtain your free credit reports, it isn t necessary to contact each credit-reporting agency individually. Simply visit AnnualCreditReport.com and you can make a single request for all three reports.

When your credit reports arrive in the mail, be sure to review them closely. If you find errors, be sure to file an individual dispute for every error discovered, and do this as soon as is possible. According to federal law, the credit reporting agencies have 30 days to verify whether the information on your report is accurate, or they must remove it from your record.

Now that you know what your credit report contains, and what your credit score is, you re ready to try our tips for finding the best auto loan rates.

Page 3 of 5

Shopping Lenders for the Best Auto Loan Rates

Tip #2: Shop a Network of Lenders

Rather than approach financial institutions individually to discern the best car loan rates, try shopping for the best auto loan rates through a network of lenders, such as Lending Tree. With a company like Lending Tree, consumers can submit a request for a car loan and obtain the best car loan rates from several financial institutions.

Approaching the task in this fashion saves time, and can quickly help a consumer find a competitive rate that serves as a benchmark for further competitive shopping.

Tip #3: Shop Your Current Bank or Credit Union

Once you know what the best auto loan rates are through a lending network, its worthwhile to visit the local branch of your existing bank or credit union to see if they can offer you a better rate. Be sure to take the best existing offer you have along for the visit, and ask your financial institution if they can beat your best deal.

Oftentimes, because they re more familiar with your finances and bill-paying history, your existing bank can work with you to provide the best auto loan rates.

Page 4 of 5

Shopping Dealers for the Best Auto Loan Rates

Tip #4: Shop the Dealer

Car dealers have access to a wide variety of finance options, and can often provide you with the best auto loan rates. However, your chances of getting a great interest rate are improved if you walk through the door pre-approved with a loan because the dealer and its network of financial institutions will know that you re credit-worthy, and they ll know what rate they need to beat to win your business.

And if they can t, don t worry about it. If you ve followed our tips on finding the best auto loan rates, you ve arrived at the dealership with a pre-approved loan that already meets your requirements.

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Recreational Vehicle Loans 6

* Rates are shown as Annual Percentage Rates. Lowest rates currently available as of 9/1/15 and reflect a 0.25% automatic payment rate discount. Rates and terms are determined by the overall creditworthiness of each applicant, and are subject to change. Final rate subject to increase based on final approved Loan to Value. Qualified co-borrower may be required. Some restrictions may apply. Available to qualified applicants 18 and over. Lowest rate is not applicable for internal refinances. Financing is not available for salvaged or branded title vehicles. Proof of insurance required.

1. Maximum vehicle mileage of 85,000. For loans with mileage over 85,000, add additional 1% to rate.

2. Rates also reflect a 0.50% equity discount. Ask your loan officer for more details and to find out if you qualify.

3. Minimum loan amount of $5,000 required.

4. Minimum loan amount of $20,000 required. Loans less than this amount may qualify for shorter financing terms.

5. Minimum loan amount of $30,000 required. Loans less than this amount may qualify for shorter financing terms.

6. Rates and terms applicable to Boat, RV, Motorcycle and 5th-Wheel loans only. Maximum age of vehicle is 10 years. Personal Watercraft, and Motorcycles have max 60 month term.

Example: Based on a $25,000 loan amount, the minimum monthly payment is $438.08 over a 60-month loan at 1.99% APR.

Calculate Your Insurance Rates Using Our Car Insurance Calculator #car #insurance #rates #nyc


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Auto Insurance Calculator

You might want to use a car insurance calculator to see how much you can expect to pay for your insurance premium before actually signing up for a policy. Auto insurance calculators simply take your information, plug it into an algorithm, and then spit out some results. To further understand how these calculators work, you have to first understand how insurance companies come to determine your insurance rates.

How Your Rates Are Calculated

The most common factors insurance companies will look at when determining your premiums include your age, gender, driving history, and your vehicle. There are actually hundreds of different things that come into play when assessing the risk you pose to insurance companies, but if we looked at each one individually we’d be here all day. Instead, let’s take a look at some of the more basic and most influential factors.

Your Age

It should come as no surprise to you that younger drivers end up paying the most for car insurance. Years of data (and common sense) suggest that inexperienced drivers cause more accidents and therefore cost more money. Teenage drivers. students. and those in their young twenties pose more of a risk to insurers because of their recklessness on the road, lack of experience, and the astounding rate that they get into accidents.

Actuaries have looked at data and determined that those aged 16-26 should pay the most for insurance premiums. If you are in this age group, you should expect to pay the more than middle-aged individuals with lots of driving history and experience.

Your Gender

The stereotype that women are worse drivers than men might not actually be true. Statistics suggest that women are at least safer drivers than men. They get into less accidents and cause less fatalities on the road. Men are also more likely to drink and drive, drive with reckless abandon, and even drive without wearing their safety belt. Because of data like this, men can expect to pay more for car insurance than women.

Your Driving History

If you have a lot of citations on your record, you might be in for a nasty surprise when your insurance rates are calculated. You need to maintain a pristine driving record if you do not want to be lumped in to that “high risk” category that pays through the roof for car insurance.

  1. DUI/DWI Violation (Estimated 25% premium increase)
  2. Reckless Driving (Estimated 15%-20% increase)
  3. Speeding (Estimated 10% increase)
  4. Running a red light (10% increase)
  5. Driving without a valid license (10% increase)

While there are ways to get these points removed from your license and get these violations removed from your permanent record, it’s often times more trouble than it’s worth. It’s better to just be a safe driver and never have to worry about these insurance premium hikes .

Your Vehicle

The car you drive might be the most telltale sign of how much you are going to be paying for car insurance. Luxury cars and sports cars are most likely to warrant higher premiums. Safer, more “boring” vehicles will most likely cost less to insure. The more expensive the vehicle is, the more prone it will be to theft and vandalism. Expensive cars will also cost more to repair in the event of an accident.

In addition to the make and model of your car, the vehicle history also comes into play. If the vehicle you drive sustained a lot of damage in an accident, expect to pay more for insurance. If the vehicle had a lot of repair work done on it in the past, you can also expect to “pay a premium” for your premiums. This is one of the reasons why it is always so important to run a CARFAX report on your vehicle before buying it secondhand.

How To Use Our Auto Insurance Quote Calculator

The insurance quote tool on NewYorkMotorInsurance.com will take this information and give you a quote based on the information we are given. Since we do not request personal information such as your social security number in our quote calculator form, we can only give you a basic quote. It is the most accurate rate we can give you without being too nosy. If you would like to get a concrete rate to insure your vehicle, you will need to get quotes directly from different insurance providers.

To begin calculating your rates here on our website, scroll up to the top of this page and enter your zip code. The next two pages will ask you for some basic information about yourself and your vehicle. By the third page, your insurance quote will already be in the process of being calculated and you will then receive premium rates from the top insurance companies in the US.

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Best Car Refinance Loans for Bad Credit Situation

You may think of applying for a refinance auto loan for bad credit program if you are facing some difficulty in paying monthly instalments on your existing poor credit auto loan. There could be loan dealers that might be willing to provide you new credit for getting rid of your unaffordable car loan. Auto refinancing loans have lower interest rates. Carloansnomoneydown.com can assist you to find auto loan refinancing with bad credit in your state.

Valid Reasons for Getting Low Rate Bad Credit Car Refinance Loans

Most people usually consider securing bad credit auto refinance loans for the below mentioned reasons.

  • To take advantage of lower rates of interest and for obtaining better loan repayment terms.
  • For reducing monthly payments drastically and making them more affordable thereby saving money.
  • Save some dollars every month on interests depending on the duration of the new loan.
  • Pay monthly instalments regularly and improve credit ratings within a stipulated time frame.
  • Helps in avoiding a bankruptcy like situation particularly if it is a broad consolidation package.
  • Secure program which allows deferment of monthly car payments by 30 or 60 days.

Know How the Refinancing Car Loan Bad Credit Actually Works

  • Search for online lenders that specialize in providing refinance auto loans for bad credit situations.
  • Obtain free non-binding quotes from 4 to 5 different specialized loan dealers and compare them.
  • Choose the right lender for your circumstances and give details of annual income, credit score and debt.
  • Inquire about registration, processing or any other kind of fees with the lender that has been chosen.
  • Apply by filling an online application form and get approved. On closing of the deal, the new lender will pay current unpaid loan and car title will get transferred to new lender.

Explore Other Options to Refinancing Car Loans with Bad Credit

Although it could be possible to secure a low rate refinancing car loan with bad credit, obtaining an approval from one of the specialized lender can be a challenging proposition.

Besides, there could be few vital factors which you need to be aware of prior to researching various bad credit auto loan refinance options that are available at your disposal for getting your vehicle refinanced. Some of these are:

  • You can think of trading-in your present vehicle for paying the existing loan.
  • To qualify for lower bad credit auto loan refinancing rate take steps to build improve some credit.
  • Existing unaffordable bad credit car loan can also be paid-off by obtaining an easy to get unsecured auto loan.

Some Important Benefits Offered By a Bad Credit Car Loan Refinance

  • Lower rate of interest and loan amount
  • Obtain a new loan repayment schedule
  • Monthly payments are easier to manage
  • Get loan finance despite having bad credit
  • Opportunity to customize your existing car
  • No need to pay any commission to resellers
  • Have chance to take advantage of special offers
  • Work with top rated lenders in the car loan market

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Home Mortgages

Refinancing: What is It and What you need to know?

Refinancing is the process of renegotiating your mortgage. With refinancing, you may change your loan terms or take out equity in your home.

Why refinance? You may want to take advantage of favorable market rates to cash in on savings. Or perhaps you need extra cash for home remodeling or education. Whatever your reason, working with HSBC can help make the process easy.

Many factors may come into play when you are making a decision to refinance your mortgage. For example, you may want to refinance your home to pay for your child’s education. In this case, your need to refinance is immediate. However, you may also want to refinance for reasons such as remodeling your home. In this case, your timing can be more flexible and the choice to refinance can be based on market conditions. Whatever your reason, HSBC can help you understand how market forces such as interest rate fluctuations will impact your decision and how the decision to refinance is often as much about “when” as “why”.

Refinancing Benefits for HSBC Premier Clients

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The right loan for the right ride.

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* Rates with an annual percentage rate (“APR”) as low as 2.24% are available based on credit-worthiness of applicant, age of vehicle and term of loan. Stated APR includes a 0.25% discount for existing members (accounts open more than 90 days) who meet the following single membership qualifications at loan closing: enrollment in eStatements, monthly direct deposit of at least $250, and 15 posted point-of-sale debit card transactions per month to a single checking account, OR the membership account number must be enrolled in eStatements and have a single Checking-suffix with 25 posted point-of-sale debit card transactions per month. Stated APR includes a 0.25% discount for new members (accounts open less than 90 days) who provide a valid email address.

** This is a limited time offer and is subject to credit approval. Offer subject to change or may expire without notice. Promotion ends December 31, 2015.

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Before you buy a New Car Insurance Rates
Policy Needed

Purchasing a used or new car can be a very exciting experience. Before you buy a new car, insurance or you jump to any purchase decisions take a few steps to make sure you are prepared with regard to your new car insurance needs:

If you are purchasing a used or new car, you need auto insurance.

1. Call or get an online auto insurance quote. You can do this for multiple models if you are not exactly sure of what vehicle you want. This will inform you which models could raise or lower your insurance costs. Also, make sure to include any safety features to see how it could save you.

2. If you do not already have car insurance, you should speak to a 21st Century Insurance representative on how to buy auto insurance.

3. After you’ve found the car that best suits your needs, you will need to give the salesperson your insurance information to prove that you have, or will have, insurance for the vehicle. A 21st Century representative will be able to fax or email proof of insurance over to the salesperson.

All that is left is to go out and enjoy your brand new car.

It’s easy to get a free auto insurance quote and even buy a policy if you like what you see all online at 21st.com .

All About Auto Insurance

How to Find the Best Home and Auto Insurance Rates #auto #painting


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How to Find the Best Home and Auto Insurance Rates

Question

Thank you,

Steve

Answers

First, thank you for asking your question.  I think this is a very good question and most Americans can save a lot of money by periodically review their home and auto insurance policies.  I went through this last year and if I recall correctly, the savings was over $1,000 a year.

Now, let me give you some good news and a bad news.  The good news is that insurance premiums are more negotiable than most people think, and with some work, you can save a lot of money.  The bad news is that there s no easy way to quickly identify the best deal for home and auto insurance.

Here are three basic things that you can do:

  1. You can start off with insurers that offer online quotes like GEICO. Esurance. and Progressive .
  2. You can enter some basic information at sites like InsureMe ; and get several insurance agents to call you with their quotes.
  3. You can call insurance companies individually.

In the end, you ll want to do all three and spend a lot of time on the phone to try and find the best rate.  Here are a few things that you want to consider, because they can safe you quite a bit of money.

  • Insure your home and auto with the same insurer to take advantage of multi-policy discount.
  • Check with your employer and/or school.  You may be eligible for a group discount through an organization that you re associated with.  You ll have to ask the insurer for this since they don t normally give this up for free.
  • Go with the highest deductible that you can afford to pay out of pocket.
  • Do take the auto glass coverage (if available).
  • Cut out any frills like free rental and towing can save you some money.
  • Ask about every discount you can think of.  For example:
    • Home Look at discounts for home security system, building material (e.g. brick houses are considered flame resistance), distance to firehouse, flood zone, etc.
    • Auto Look at discounts for defensive driving, safety features, alarm system, security features, day-time running light, etc.

Lastly, be willing to get the insurance companies to compete with each other for both the rate and coverage. You ll be surprised.

Now let s go to feedback from other M-network members.

Here s a response from David at My Two Dollars :

I think Esurance.com is supposed to be pretty good, but I have never used them. When I need to get rate quotes, I pick 3 or 4 companies and call up a local representative to see who has the best rates and coverage. For me, right now, State Farm is the best for my home and auto insurance.

Oh, and if you are in CA or WA (I think those are the only 2), they should contact Wawanesa. Funny name, but great company and the lowest rate and best coverage I had in CA. They only cover good drivers and they are only in a few states, but definitely worth checking out if in one of those states!

Here s a response from Gibble at Gather Little By Little :

I do exactly as David. I just call a bunch of companies and get quotes. Be careful though and make sure they are giving you fair comparisons. Make sure the coverage is the same and deductibles are equal. Once you have quotes, starting playing them off of each other. Local agents can discount.

I use State Farm and have since I was 16 years old. I call around every 5 years or so. State Farm is generally the lowest, but when they aren t, they always beat the lowest price.

Here s a response from Paidtwice at I ve Paid For This Twice Already :

I basically second (third) the two wise gentlemen who have already answered. I find comparing online, it is too easy to get different coverage types compared together. Apples to oranges, so to speak.

Where we live now, we have found Allstate to be the least expensive for our situation, but in the past it has been Geico and State Farm (when we lived in different places). Make sure to, if you have multiple policies, collect them together into one provider. You get discounts for that.

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Car insurance for young drivers

Starting to drive is an exciting moment for teens, but for their parents, it can be stressful and it will certainly be expensive. The good news is that you can check quotes from different insurance companies and minimize the damage to your wallet. Let us guide you through buying car insurance for young drivers to help you save money.

Policies

Before your teen starts driving, you should know:

  • All drivers in a household need to be added to a car insurance policy. There is no easy or cheap way to get around car insurance for a new driver. Either you need to add your teen to your policy, or the teen needs his own policy.
  • Sharing a joint policy with a teen is cheaper than paying for separate policies. Additionally, there is no benefit to a teen getting his own policy. This doesn’t mean, however, that you should simply add your teen to your current policy and be done with it. Adding a new driver means your company generates your rates all over again, and a different company may give you a better deal. Shop around by getting quotes from several companies.

Do I have to add my teen once he has a learner s permit?

The process of insuring a new driver typically starts when the teen gets a learner’s permit. Once teens get a learner’s permit (aka provisional license or instruction permit in some states), some companies allow you to add them to your policy at no additional charge until they get their licenses or turn 18. They allow this because state permit-holder laws require a licensed driver age 21 or older in the passenger seat, making the young driver less of a risk. Other auto insurance providers require that teens be added when they are in the permit stage, so check with your provider.

Start now by finding car insurance companies in your area

Do I have to add my teen to my policy if he doesn t own a car?

Yes. It doesn t matter that he doesn t have his own car; he has access to yours. If you don t add him to your policy and he is in an accident, your policy may not cover him. Some car insurance companies explicitly note in their policies that unless you notify them of additional drivers or risks, those individuals will not be covered. If they do cover the accident, the insurer may require you to pay back premiums from the time the teen was licensed.

If your teen is getting a license but isn t going to drive your cars — ever — then in some states, some insurers will let you exclude the teen from your policy. If you do exclude a teen, or anyone, from your policy, there will be no car insurance coverage extended if they are in an accident. Many insurance companies want you to tell them about household residents who are over a certain age (usually 15) whether that person is licensed or not.

Do I have to tell my insurance company about my teen if he isn t licensed?

Yes, you usually do. When you renew your policy, you are usually asked for information on everyone in your household. If your child hasn t received a permit or license yet, the teen usually can be listed as unlicensed on your policy. When a young driver is noted as unlicensed, he also should be unrated by the car insurance company, meaning the teen wouldn’t affect your rates.

Who should insure a teen if the parents are divorced?

In general, the custodial parent s policy is primary for the newly licensed driver. However, if the child will drive when staying at the second home, both parents typically need to list the teen as a driver. Car insurance companies deal with this situation differently, so check with your company and ask what your new rates will be. This way you ll know what to shoot for if you decide to shop around for a better deal.

How can a teen get his own policy?

A teen driver can get a car insurance policy of his own, but if he s under 18, a parent or guardian signature is required on the policy since insurance is a legal contract. Even if you are willing to sign on the policy with a young driver, keep in mind that it s cheaper if the teen is added to your policy instead. Read our age-specific guides for teen drivers to see how rates differ depending on whether the teen is on his own policy or the parent;s:

Rates

How much does car insurance for new drivers cost?

Our analysis of the cost of adding a teen driver showed an average increase of 160% when a married couple added a teenage boy to their car insurance policy. This number can only be used to give you a very general sense of how much your rates will increase. Every situation is different, and rates depend on your insurance provider, coverage options, ZIP code, vehicles, driving records, how much you drive and many more factors.

Why is car insurance for young drivers so expensive?

Teens are inexperienced behind the wheel and immature by nature. That’s a bad combination. A brand-new driver is 12 times more likely to have an accident than someone with a year of experience, says the National Institutes of Health. A 16-year-old who s had one accident is 50 percent more likely to have another, says the National Highway Transportation Safety Administration. In addition, maturity levels change quickly. Teens who get their licenses at age 18 have fewer fatal accidents than those who are licensed at age 16. Many insurers no longer lump all young drivers together but instead rate age groups separately.

At what age do young drivers’ rates go down?

The age of 25 is typically when insurance companies begin to offer the same rates they do to all other adults. Some carriers will lower rates for women when they turn 21 and men when they turn 24. Once you re no longer priced as a young driver, your insurance provider will rate you based on your driving record rather than those for young drivers in general. In addition to rating drivers based on age, insurers can also levy a surcharge for inexperience, usually for those who have been licensed less than a year. To get a better sense of how insurance rates change by age, see average insurance rates by age .

Discounts

Good student discount

Encourage your kid to do well in school because student car insurance discounts can help bring down your rates. Each insurer has its own guidelines, but typically the discount can be 10 percent to 15 percent. Each insurer always has its own rule for what constitutes a good student either a 3.0 grade point average or above, placement on dean s list or honor roll, or ranking in the top 20 percent of the class.

Safe driver discount

Look into discounts for new drivers who take a safe-driver course, sometimes sponsored by the insurance company. This may mean attending an actual classroom driver s education class, watching a driving video, or passing a written driving safety test. Your company may also offer discounts if the teen drives with devices that monitor driver behavior.

Cars for Teen Drivers

Given the cost of car insurance for your teen, you may want him driving a car this is cheap to buy and cheap to insure. Check out our list of the 20 best used cars for teens .

The least expensive cars to buy aren t always the least expensive to insure. Some cars cost more to repair after an accident, and some have a record of more injury claims than others do. And the least expensive car to insure may not be the safest. Electronic equipment such as stability control and antilock brakes can help novice drivers avoid accidents, and there can be a discount for having them. The lowest car insurance rates are often given to drivers with minivans and small SUVs.

Insurance for College Students

When a teen moves out to go to college, you ve got another car insurance decision to make, based on whether the teen owns a car, how far he moves, if he s going to drive a family car while in town, etc. Read our guide to car insurance for college students to get guidance for your unique case.

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1 APR = Annual Percentage Rate. Actual rate will be determined based on the applicant’s credit history, primary State of residency, collateral financed, mileage and final loan terms. Stated rate based on California residency. Offer is subject to normal credit qualifications, meeting First Tech Federal Credit Union’s relationship requirements and underwriting policy guidelines. Interest rate and program terms are subject to change without notice. Additional restrictions may apply.

2 10.99% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $500. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 12.1.14, the variable rate for line of credit is 10.99% APR to 18.00% APR. Minimum monthly payment of 4% or $40, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

3 6.25% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $25,000. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 12.1.14, the variable rate for line of credit is 6.25% APR to 18.00% APR. Minimum monthly payment of 2% or $10, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

4 Annual Percentage Rate (APR) will vary with the Prime Rate as published in the Wall Street Journal.

5 Maximum Loan to Value (LTV) and Mileage Restrictions Appy: LTV is dependent upon collateral and varies based on purchase price, down payment, borrower credit history, and term. Maximum mileage is 100,000 for new and used autos. High mileage program available up to 150,000 miles for vehicles 0-5 years only with additional .50% APR.

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Compare insurance quotes from competing insurers

Distracted Drivers:

Is your teenager nearing legal driving age? Are you worried about the looming high cost of insuring a teenage driver? Discover some things you can do to lower the costs, click: Coverage for teen drivers 101

Driving under the influence?

Curious about what might happen with your car insurance if you are caught “Driving Under the Influence” (DUI). To find out more, click: DUI and insurance don’t mix

Your auto insurer and the financial crisis

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It’s no secret: to find the best auto insurance rates, request quotes from as many auto insurance companies as you can and then choose the policy that best suits your needs at the cheapest price.

It sounds easy, but entering your information over and over again at the websites of every affordable auto insurance company you can think of can be time consuming and frustrating. Some websites are difficult to use and mistakes can cause reset glitches, mispriced quotes, and an overall poor ‘auto insurance shopping’ experience. Asking for multiple cheap auto insurance quotes over the phone from what feels like an endless number of insurance agents is often equally, if not more, inconvenient.

Avoid Unnecessary Hassles

At Kanetix.com we do the work for you. After you enter your information just once, we send you multiple auto insurance quotes in no time. To make your experience even more painless, many of our auto insurance partners give you the ability to buy your low cost vehicle insurance policy right online – a practical way to get the coverage you need. fast.

Strike the Perfect Balance between Cheap Rates and Sufficient Coverage

While our primary goal is to find you the most inexpensive auto insurance provider, in no way do we cut corners to make this happen. We have high standards in place, and only those auto insurance companies who meet such standards become Kanetix partners. From national to local auto insurance providers, we strictly collaborate with companies who we feel will ultimately serve the best interests of our clients, with the cheapest auto insurance quote.

Finding the Cheapest Auto Insurance Quote

By shopping around, you better your chances of finding the cheapest online auto insurance quotations. When you have multiple quotes in front of you, it is easy to compare one budget automobile insurance rate against another. Although saving money is important, make sure you thoroughly understand each auto insurance company’s policy features and coverage information before you commit. Not only is it important to secure a cheaper auto insurance quote than what you already have, but also to obtain a policy that effectively meets your needs as a driver. Remember: while the establishment of a low cost vehicle insurance policy is exciting, a cheap auto insurance quote may not always be the best deal for you. After all, an insurance policy is useless if it can’t cover you at the times you need it most.

Free Online Auto Insurance Comparison Service

Associated with numerous auto insurance providers, Kanetix offers a simple, fast and seamless online service for you to quickly compare auto insurance, home insurance, life insurance, health insurance and motorcycle insurance quotes. Our comprehensive online system allows us to provide clients all around the United States with the cheapest automobile insurance quotes. Every day, users are comparing car insurance coverage to find the best cheap car insurance quotes, and we are fulfilling our mission to save you time and money during your search.

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Car Insurance Rates

Car Insurance Rates is your ultimate online resource for auto insurance. We provide company reviews, vehicle purchasing advice, claims help, valuable information on all types of policies, and more!

Let’s face it. You have to insure your vehicle, and sometimes the process of choosing the right policy can be pretty overwhelming. Fortunately for you, we’re here to help! This website provides you with important information on types of policies and outlines the most important terms that you should be familiar with before you buy. If you’re in the process of switching companies, understanding what you’re paying for ensures that when you switch, you’re not lowering your coverage, just your rates!

Still Not Sure? Each day, thousands of drivers and drivers-to-be are saving money through lower premiums and better coverage; you could be too! Switching away from your current high-priced broker is as easy as filling out a short form and picking the broker quote that you like most. If you aren’t ready just yet, that’s ok. Stay. Learn from our numerous articles about coverage types, accidents, the claims process, and much more! When you are ready, we’ll be here for you and ready to help.

Looking For More Insurance Options?

If you are looking to receive free, no obligation quotes on another insurance type, simply click one of the below links and complete the short application; we’ve partnered with the best companies in order to get you the timeliest, most affordable rate quotes available.

Companies Brokers Within Our Network

Car Insurance Comparison Rates #how #to #sell #your #car


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Car Insurance Comparisons

Comparing Car Insurance Rates

Car insurance is one of those things you can either pay too much for. You can also save a lot if you shop around. We recently switched car insurance on two of our company vehicles from one provider and saved over $1000 a year for the same coverage. We will call them the gecko and the good hands people. And now we actually have an insurance agent. Someone who knows our name when we call.

The good news is that you can Shop and Compare multiple Car Insurance quotes for free. Several online services let you enter your information and they get you a car insurance comparison with rates from several auto insurance companies. Beyond using the internet to get your car insurance coverage and save money here are a few more tips to saving.

Your Credit

Some auto insurance companies will check your credit before they give you car insurance rates. Check the car insurance application so you know if a credit check will be done. If you have good credit then make sure the car insurance rate you get takes your credit score into account. If you do not have good credit then look around for an insurance company that does not check credit scores.

Your Driving Record

It’s a good idea to know your driving record before you apply for new car insurance. When you submit your application the insurance company will get a copy of your driving record. Any tickets or accidents may affect the rate you are quoted. It’s easy to get a copy of your driving record online instantly.

Family Considerations

The Car You Drive

A significant factor when calculating the cost of your auto insurance will be the car or cars that you want to insure. Typically the more expensive the car the more the insurance will cost. And cars that are considered sports cars will typically cost more.

The best way to save on your auto insurance is to shop around. Below are resources that will make it quick and easy for you to compare insurance rates from several providers.

Best auto loan rates in Oklahoma City Metro #auto #lease #deals


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Found 311 auto loan rates in Oklahoma City, OK

save up to $542 on a auto loan with Oklahoma Employees Credit Union!

For 59 weeks in a row as of December 2014, Oklahoma Employees Credit Union (Oklahoma ECU) auto loan rates have consistently been lower than the Oklahoma City Metro (Oklahoma City, OK) average. Of the 98 lenders representing 520 banking locations in Oklahoma City Metro that Datatrac researched, a 48-month used car loan at Oklahoma ECU was 2.99%, which is 27% lower than the local average rate of 4.11%. Eight auto loan products at Oklahoma ECU beat the Oklahoma City Metro average, including a 36-month used car loan that outperformed the market by 26% and a 60-month used car loan that topped it by 25%.

About Datatrac

How can Datatrac help you find the best auto loan?

Datatrac takes the guesswork out of shopping for your next auto loan. We are an independent, unbiased research company that has been comparing banking products for over 25 years. Our database of 1,648,658,012 deposit and loan rates is updated daily with the most current rates for nearly every bank and credit union in America, including those right in your backyard. We look at each bank’s rates, fees and all the fine print to make sure we are comparing apples to apples. Then we do the math. We compute the savings to help you make the best decision.  We stay with you until you find a loan that saves you money.

How much does it cost?

When you see a Datatrac Great Rate Award, it means you will save money. Why? Because the rate beats the competition. Datatrac ranks deposit and loan products for financial institutions. When a product outperforms the market average, it is given a Datatrac Great Rate Award to certify its competitiveness.

Bank Of Oklahoma – Current Loan Rates #acura #auto #parts


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CURRENT LOAN RATES

1 The Annual Percentage Rate (APR) shown for New/Used Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual’s excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance.

2 The APR shown for Home Equity Lines of Credit is valid with a loan to value of 85% or less. The APR during the revolving period ranged from 4.50% to 5.50% as of June 1, 2015. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A $50 annual fee applies.

3 The APR shown for Home Equity Loans is offered on loans in first lien position with a loan to value of 85% or less. Property insurance required including flood insurance where applicable. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $337.86 for a 180 month loan at 6.00% APR with a $40,000 original balance.

4 The APR shown for Total Equity Lines of Credit is subject to approval. The APR is offered depending on the individual’s outstanding line of credit balance. Individuals with less than a $20,000 outstanding balance may be offered higher rates. A $50 annual fee applies.

All rates and terms are subject to credit approval and could change without notice. Member FDIC. Equal Housing Lender.

Bad Credit Auto Loans with Record Low Interest Rates Now Offered by Valley Auto Loans #kendall #auto #group


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Past News Releases

Greenville, SC (PRWEB) November 26, 2013

Valley Auto Loans is now making strong inroads into the auto loans market by offering safe and easy car loan to all applicants, irrespective of their credit history. Moreover, the company is also offering rock bottom interest rates to all these applicants. All these have been made possible since the introduction of the new bad credit approval system by the company. Valley Auto Loans is a well known online platform that offers auto loan facility tailored to suit the specific requirements of the poor credit borrowers.

Finding an auto loan service provider is always difficult for a person with unfavorable credit history. Unfortunately, these customers fail to satisfy the strict parameters set by most of the lending companies. With their new, customer friendly approval policy, Valley Auto Loans can certainly play a major role in solving car loan related problems for bad credit consumers in a country that continues to struggle from the aftermath of the worst economic crisis of the century.

To ensure nearly 100% approval rate and low interest for their customers, Valley Auto Loans have signed contracts with the leading poor credit lending companies throughout the United States. The benefits of this new approval policy can be availed from the comforts of home by sending an online application form available at https://valleyautoloan.com/apply-now2/.

Valley Auto Loans also maintains an extremely popular blog that regularly shares useful expert advice on the most commonly faced financial concerns.

About Valley Auto Loans

Valley Auto Loans is the #1 provider of national and local auto loans. The approval process is fast! We understand that it can be embarrassing and frustrating to not be able to qualify for a car loan or student auto loan that would enable one to purchase the proper vehicle for the family. The approval process starts with the car lender. Valley provides people with the best auto lender network. Get approved for an auto loan fast!

Average Car Shipping Rates for Domestic Transport #auto #body #repair


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Average Car Shipping Rates for Domestic Transport

Car shipping rates vary greatly and depend on many factors. Auto transport companies are independent companies with their own pricing systems, and price variables include the weight of the car, the distance traveled, how quickly you need the car shipped and the time of year you are shipping, to name a few. If you are going to ship a car across the country, you need to shop around and make sure you get the best price car shipping quote.

Some Average Costs

As stated previously, car shipping costs vary and depend on many factors. But on average, it will cost you $750 to ship a car from New York to Florida, $1200 to ship a car from Boston to California and $695 to ship a car from Chicago to Houston. If the car you are shipping is inoperable, it will cost you approximately $120 extra. Some companies may charge extra for larger cars, such as SUV’s and trucks.

How Gas Prices Effect Shipping

When gas prices rise, so does the cost of shipping. The transporters use diesel fuel. Watch diesel prices. When there is a drop, order the vehicle and get it shipped.

Destination

Companies have a certain amount of transporters which travel across the country. If additional routes need to be added for a delivery, the shipping price will go up. If the transporter is already assigned into the same area, it can lower the price. Also, the farther away from main highways they have to go, the more fuel is needed, and more you’ll pay for shipping. If the transporter needs to get through a residential area, there are extra charges for special permits needed as well.

Car Shipping Calculators

You will find car shipping calculators on the Internet. These calculators ask you for information about your transportation needs, then calculate an approximate price based on that information. If you are unclear about any of the information, it is wise to call and speak to a customer service representative.

Gather the Necessary Information about the Car

In order to get a free car shipping estimate from an auto transport company, gather some important info about the car. If the car is in your possession already and you plan to ship it to someone else, this is relatively easy; it’s a bit more difficult if you don’t have access to the car yet. You’ll need to have the make, model and year of the car, as well as the mileage from the odometer. If it’s been previously used, get a vehicle inspection report. This helps the auto transport company to assess the value of the vehicle, which contributes to the total cost of the transportation.

Determine the Auto Transport Companies in Your Area

Using the Internet and your local phone directory listings, make a list of the companies that provide car shipping services in your area. These companies don’t typically offer their services in promotion and other advertising methods. You’ll need to do some research in order to find companies that work in your area. Fortunately, all urban areas are likely to have several companies of this type, and there are a wide variety of auto transport services that provide service to rural or remote areas as well.

Contact a Broker

If you’re unable to find a good selection of auto transport companies in your area, you may need to consult with an auto transport broker. These people serve as agents to liaise between customers like you and auto transport companies. They charge a small finder’s fee in order to help set you up with auto transport companies, but they have a wealth of information that can help you to find the best deal. They can also help to negotiate free quotes for you.

Contact the Companies

Many companies will provide you with a free car shipping estimate if you contact them directly and provide them with the information listed above about the car. Compare the prices of different companies to get a sense for how much you’ll have to pay to ship the vehicle in question.

Car Shipping Service Quotes: 3 Companies for Cheap Rates

The following companies specialize in car shipping and offer experience when it comes to the car shipping industry.

  • A to Z Auto Shipping (888) 404-4421. A to Z Auto Shipping offers door to door service of any kind of auto transport. The company boasts an impressive line of regular clients that includes Mattel and the Philadelphia 76ers. They offer a free online quote in their website for quick, easy access to their wide range of services.
  • American Auto Transporters, Inc. (800) 800-2580. This company has been in the auto transport business since 1980, and is recognized as a market leader in the industry. American Auto Transporters also offers international shipping services. You can also request a free quote from their site.
  • Nationwide Auto Transport (888) 953-8998. Offering 20 years of experience in the industry, Nationwide Auto Transport offers door-to-door service at affordable rates. The company offers car moving services for any types and kinds of vehicles all over the United States.

When using a car shipping service, make certain that the company is insured, fully licensed and bonded. This means that the company is a reliable partner in the car shipping industry.

Related Questions and Answers

Are International Car Movers the Same Price Per Distance as Domestic Shipping?

International car movers require much more information be provided about the vehicle than is normal in domestic transportation. The basic cost of transporting a vehicle the same distance internationally is about double the cost of shipping from coast to coast. Additionally, you will also be paying import duty and vehicle inspection fees above the cost of transport. If you are going to be using international car movers, remember to remove all articles from the vehicle and make sure it is 100% clean. For example, there are rules on transporting plant materials into certain countries and any seeds lodged in the tire tracks should be removed before shipping your vehicle. New Zealand, in particular, is very strict about this. Being an island country, they do not want foreign plant matter entering. Many transport companies will be only too happy to give you an online quote for transporting your vehicle and to act as your international car mover.

What is Cheaper for Auto Transport Across USA, Train or Truck?

Auto Transport Quotes – Car Shipping Rates from Reliable Transporters #lowest #auto #loan #rates


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We Ship To Every State! Call 866-649-5827

When you fill out our auto transport quote form you will receive 5 quotes from our list of top rated car transporters. Many people who ship their car may spend hours upon hours looking up different car transport companies and trying to decide the best car shipper to use for their auto transport. With AutoTransportquote.com you will save time and money! Every car carrier you receive a rate from passes our independent review and you can be assured your getting the best rate from the most reliable car shippers. When you let auto transport companies compete for your business you save money! The carriers will offer the lowest possible rates to get your business! An independent review of our clients showed that when they use our auto transport service they saved an average of $200 on their auto transport. This shows the advantage of receiving 5 quotes from different car transporters rather than receiving just one transport quote from a single shipper.

 April 29th, 2015  Many Clients have been stranded by brokers giving low ball prices and than their vehicles sit at the pick up location for days or even weeks! 50% of our business comes from clients that we save from situations like this. Do not let this happen to you! Get the real rate to ship your vehicle on the day you need! If you have been stranded by a broker call us now! Our auto transport companies can pick up any vehicle in the country within 48 hours!

Nationwide Auto Transport Services We Offer

Shipping your vehicle may seem like a stressful task. It doesn t have to be when you choose Auto Transport Quote. We screen every company giving you a quote to make sure they are licensed. insured and reliable.  Every auto transporter we use is A rated by the Department of Transportation more importantly A rated by our company.Call 866-649-5827 now to receive a free quote from our of our shipping specialists.

Auto loans rates #sports #cars #for #sale


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Our lenders:

PERSONAL CONSULTANT

At CarLoans.com.au you’re not a number. You’re a client. That’s why, unlike others, we treat you like a real person. It’s also why you’ll deal with a real person. Every Car Loans customer like you deals with a personal consultant. You’re not calling a call centre, where you’ll talk impersonally to the next available operator. You’ll talk to your own specialised car finance consultant who will manage your application and delivery – every step of the way. After all, you’re a real person – so we’ll give you a real person to deal with.

SPEED EFFICIENCY

When you make the decision to purchase a vehicle, the last thing you want, the last thing you need, is to get bogged down in red tape. At CarLoans.com.au we know how to arrange car loans fast. We’re professional, we’re efficient – we’re quick. We know exactly what reputable lenders need to process and approve your application in the shortest possible time. We work hard to make car finance easy for you .

YOU’RE IN CONTROL

We have access to a wide range of reputable Australian lenders. so we can present you with a competitive range of finance options – all in plain English. You can see the alternatives, and make relevant, clear-cut comparisons, quickly. We help you decide which car loan product, from which reputable Australian lender, suits you best. We prepare the options; you decide.

Type of Car Finance

Personal Loan

Car Loan

Chattel Mortgage

Commercial Hire Purchase

10 Tips for Choosing the Right New Car

RESEARCH

DRIVELINE OPTIONS

SAFETY RATING

AVAILABLE SPACE

FITTING ROOM

WARRANTY SUPPORT

RESALE RATINGS

FUEL ECONOMY

HIDDEN COSTS

TEST DRIVE

DON’T BE FOOLED BY ZERO PERCENT

Many deals sound too good to be true – generally because they are. Most zero percent car finance offers certainly fall into that category. They are definitely a good marketing strategy – because they increase inquiry rates at dealerships – but they are seldom a good deal for customers.

When choosing finance it is essential to look at the overall deal rather than do what the marketers want – which is to see you focus exclusively on the zero.

Generally, it is almost always cheaper to negotiate a significant discount on the price of a new car, and arrange the most affordable independent finance available.

Brooklyn S

Auto loan interest rates #auto #electrical #repair


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Interest Checking Account Rates

* APY= Annual Percentage Yield

Interest is compounded monthly. These are variable interest rate products and the interest rates may change at the discretion of Chemung Canal Trust Company.

NOW Accounts

A maintenance fee of $10 is imposed for each month if the average available balance is less than $1,000. Minimum to open the account is $1,000. No interest is earned on daily ledger balances under $1,000. Fees could reduce earnings on the account. Accounts available for organizations, associations and corporations, which are not-for-profit. No per-check fees.

Money Market Account

Minimum deposit to open the account is $1,000. A daily ledger balance of $1,000 is required to earn interest. No interest is earned on daily ledger balances under $1,000. The money market account is a variable interest rate account. Fees could reduce earnings on the account.

Personal Prestige IMMA

New money only. A minimum $25,000 balance and a Chemung Canal checking account are required to open the account. No interest is earned on daily ledger balances under $1,000. The Personal Prestige IMMA is a variable interest rate/yield personal money market account and is subject to change at any time. Fees can reduce earnings on the account.

All Accounts Mentioned Above

We use the daily ledger balance method to calculate interest on your account. This method applies a daily periodic rate to the ledger balance in the account each day. All deposited checks begin to earn interest as soon as we receive credit for the checks from the Federal Reserve Bank. For exact availability of funds for all checks, refer to our Availability of Funds disclosure, which is given to you at the time the account is opened, or may be obtained at any time from one of our client service representatives.

Each day, the daily ledger balance is multiplied by the interest rate and divided by 365 days (Example: a daily ledger balance of $2,500 x rate of 2.00%/365 days would equal 13.7 cents accrued interest for the day.) The accrued interest for each day is added together and credited to the account each month.

Personal Savings Interest Rates

Auto Insurance Rates #auto #insurence


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Auto Insurance Rates

We make it easy to save money while enjoying great coverage.

Are You Paying Too Much?

Chances are, you are spending more than you should on car insurance. Countless companies promise to offer the best rates, making it difficult to know if you are truly getting a good deal. Maybe you have been with a company for a long time and haven’t thought about potential savings you may be missing out on. Regardless of your situation, we encourage you to use our free service to compare car insurance quotes from leading providers. We make it easy to find a new policy or change your coverage so you get maximum protection at the best price. Instead of spending a significant amount of time and effort researching different policies and types of protection, you can easily learn more about protecting your vehicle and compare quotes in one spot.

Our Simple Method

The average consumer is inundated with television and mailer advertisements from auto insurers promising savings of different magnitudes, simply by switching to their brand. While they may save some customers money, how can you be sure they will offer you the best deal while giving you adequate protection? We go beyond the hype and commercial appeals to deliver you accurate quotes, tailored to your specified needs. Complete one simple, secure application form and you will receive the best rates from a variety of providers, with absolutely no obligation to buy. You will have the ability to compare plans and choose the one that will serve you best. We have streamlined the application process and have taken the guesswork out of researching policies, types of coverage and annual premiums!

Featured Articles

What to Look for in a Policy

Learn How We Can Help You Lower Your Premiums

Honolulu Car Insurance Rates, Quotes – Agents Reviews – Research in Hawaii #auto #insurance #honolulu #hi, #car #insurance #honolulu #hi, #auto #insurance #rates #honolulu #hi, #auto #insurance #quotes #honolulu #hi, #car #insurance #rates #honolulu #hi, #car #insurance #quotes #honolulu #hi,honolulu #car #insurance,honolulu #auto #insurance


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Honolulu Car Insurance in Hawaii

Car Insurance Policy Holder

  • Divorced 28 Years old Male licensed 2 years ago with Own Chrysler 300 S used for Commute to Work or School with estimated annual mileage of 12,001 – 15,000.
  • Lawyer & Full Time Job.
  • No accidents. No traffic tickets. No DUIs. No Licence suspensions .

Car Insurance Policy & Coverage Details:

  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $100K (Per Person Bodily Injury) / $200K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 300 K Personal Injury Protection
  • 50 K Uninsured Motorists Bodily Injury
  • 100 K Uninsured Motorists Property Damage

Latest Auto Insurance Reviews

Honolulu Car Insurance Rate Comparisons

Median Insurance Rates

Honolulu Car Insurance Savings By Neighborhood & Street Area

Honolulu Driver Street Residence & Car Locations

Car Details in Honolulu

Honolulu Driver Demographics

Honolulu Auto Insurance Estimates

Recent Honolulu Insurance Savings

2004 Buick Rendezvous CX

33 year married man

2008 Ford Fusion SE

72 year male senior

2006 Jeep Commander Base

19 year male teenager

2007 GMC Sierra 1500 Classic Work Truck

2008 Chrysler 300 Touring

18 year teenager

19 year female teenager

2007 Cadillac DTS Luxury I

2006 Acura TSX \N

31 year married woman

2013 Hyundai Sonata GLS

82 year female senior

2013 Honda Civic LX

Honolulu Post DUI Car Insurance Rates

Median Post DUI Insurance Rate

Male Teenager Post DUI Insurance Rate

Female Teenager Post DUI Insurance Rate

The Post DUI insurance in Honolulu, HI’s is $2425 compared to Kaumakani ( +$904 ), Princeville ( +$848 ), Kalihiwai ( +$774 ) and Hawaii ( -$0 )

In Honolulu, a male teenager with Post DUI pays $607 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Jeep Commander Base in Honolulu, HI would pay $2525 on auto insurance while a female teenager POST DUI would pay $1917.

Honolulu Car Insurance by Segment

Financial markets and interest rates – ECB Statistical Data Warehouse #money #markets #interest #rates, #ecb; #european #central #bank; #statistics; #data


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Financial markets and interest rates

The Statistical Data Warehouse offers a wide range of data on financial markets and interest rates.

Bank interest rates consist of data on interest rates that resident monetary financial institutions (MFIs) except central banks and money market funds apply to the euro-denominated deposits of, and loans to, households and non-financial corporations resident in the euro area, as well as data on the volumes involved. The bank interest rate statistics are published in a monthly press release on the 23 rd working day after the end of the reference month.

Long-term interest rate statistics relate to interest rates for long-term government bonds denominated in Euro for euro area Member States and in national currencies for Member States that have not adopted the Euro at the time of publication. The long-term interest rate statistics are released monthly on the ECB website on the 8th working day of the month.

Securities issues statistics cover the issuance of securities other than shares (i.e. debt securities) and of listed shares by euro area residents. The statistics relate to outstanding amounts (stocks), transactions (gross issuance, redemptions and net issuance) and growth rates.

Securities Holdings Statistics provide information on securities held by euro area resident sectors, broken down by instrument type and selected issuer countries.

Short-term European Paper (STEP) statistics provide information on primary market volumes of, and yields on, short-term debt securities issued in the context of programmes that have received the STEP label from the STEP Market Committee. STEP statistics are published on the ECB website and in the Statistical Data Warehouse at weekly intervals.

Yield curves provide the results of the daily estimation of euro area and national government bond yield curves. It also derives forward and par yield curves for each estimated curve. The euro-area yield curves are published on a daily basis at noon on the ECB website .

Euro money market provide information on interbank transactions in the euro money market. As of 2016 the Money Market Survey is discontinued and replaced by the Money Market Statistical Reporting.

Financial integration in the euro area provide an overall assessment of the degree of financial integration in the main financial market segments of the euro area covering the money market, bond markets, equity markets and banking markets, including indicators related to market infrastructures. The indicators are updated biannually.

Arizona Business Insurance Quotes #arizona #business #insurance #quotes, #arizona #business #insurance #rates, #business #insurance #quotes, #business #insurance, #arizona #professional #liability #insurance, #arizona #workers # #compensation #insurance, #arizona #business #owners #policy


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Arizona

Savings Tips

  • Increased power consumption in the summer can lead to rolling blackouts and loss of workplace functionality. Ask your agent if a business interruption insurance policy is right for you.
  • The distance between job sites can be high in AZ, due to a low density population. This added driving between jobs might put your employees at higher risk for accidents. Call is to review your business insurance policy to ensure adequate coverage.
  • Arizona is home to a lot of data centers and tech-related industry. Is your professional liability insurance adequate to ensure you remain eligible for as many subcontractor jobs as possible? Update your policy today!

Arizona Business Insurance

Complete a single online application and compare rates.

Get your free. no-obligation quote now!

Arizona has some unique considerations when it comes to quoting business insurance. The economy of the state is driven largely by tourism during the winter and spring months of the year. As a result, the Arizona business insurance needs of these tourism driven companies varies from month to month. Getting a “one size fits all” business insurance policy is not always the best idea – speaking with a Business Insurance Now agent about customizing your business insurance to fit your needs, however, is a wise investment.

Unique Considerations for Purchasing Insurance for your Arizona Business

When getting quoted on an Arizona business insurance policy, your agent should keep in mind the unique risks associated with doing business in the state. While there might not be too many natural disasters in the state, intense heat during the summertime can lead to an increase in workers compensation claims or strain on electricity supply causing rolling blackouts and data loss. Even if you think that your business might not need coverage in certain areas, discussing your needs with an agent can help you adequately determine your Arizona business insurance risks.

Give us 15 minutes or less. and we’ll have you covered! Start by getting our free, no-obligation online quote. and you’re on your way to saving time and money!

Let us help you find and bind any of the following coverages:

Business Liability Insurance Package Policy. Often referred to as a Business Owner Policy or “BOP,” this General Liability package policy protects your company in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client’s location.

Professional Liability Insurance. Professional Liability or “Errors & Omissions” Insurance provides coverage in the event you are legally obligated to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice — or other errors or omissions in your work. This coverage is critical for professional services companies.

Workers Compensation Insurance. Required in many states, Workers’ Compensation Insurance provides medical and disability coverage for company employees in the event of a work-related illness or injury.

Employment Practices Liability Insurance. EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is essential coverage in today’s litigious workplace.

Additional States

Business Insurance Now is America’s #1 online insurance agent for small business, including the self-employed and companies with 10 or fewer employees. Business Insurance Now allows businesses to apply for insurance and receive multiple quotes from leading insurance carriers including CNA, Zurich, The Hartford, Philadelphia, Travelers, ACE, USLI, and Hiscox. We offer business owners a variety of insurance protection, including: General liability insurance, professional liability, errors & ommissions, excess liability, umbrella insurance, workers compensation, fidelity bonding, and more. (CA License #0G11129)

© 2015 Business Insurance Now. ALL RIGHTS RESERVED.

No-Cost Refinancing: Getting your lender to pay costs can be a smart strategy in uncertain times #no #cost #refinance, #mortgage #mn, #mortgage #rates #mn, #mn #mortgages, #mn #refinance #best #deals, #best #way #to #refinance, #mortgages,


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How To: Refinance Your Mortgage Without Paying Closing Costs

by Alex Stenback on September 22, 2011

Refinancing can be expensive. But it does not have to be.

That s because, with a little bit of creative thinking, or if you are working with a lender that knows what they are doing (and probably does not work under the thumb of a major national bank,) your lender will pay your costs for you.

This means: No closing costs. Zero. Nothing added to the loan or paid outright.

Sounds like the best deal ever, right?

Why doesn t everyone refinance this way?

To understand why, and how this works, we need to wade briefly – into the topic of how mortgage interest rates are offered, or priced.

Stay with me here.

Repeat After Me: There s No Such thing as Today s Rate

What s the 30 year rate today?

Whether I am at a cocktail party (confession: I don t think I have ever been to a cocktail party ) or picking up the phone, it is a question I hear all the time.

It echoes in my head, and will probably be engraved on my tombstone.

And it is the wrong question.

That s because there simply is no rate issued each day by the powers that be. There is a schedule, or stack of rates each with a corresponding price.

Here s a grossly (laughably) oversimplified version of what lenders see every day when rates are released:

Actual rate sheets are a good deal more complicated than what you see here – many more decimals and adjustments to price based on myriad factors, but the central point to be made is this:

On any given day, no matter the overall interest rate levels,

– Lower rates are more expensive than higher rates and require a borrower to pay points.

– You can also receive, or bepaid points for a higher rate.

The No-Cost Refinance, Explained

Once you undertsand the concept that there is no rate but rates, and you can both pay or be paid points, understanding the no-cost refinance is straightforward.

By accepting a higher rate (but still much lower than your current rate, of course) the lender will use the premium paid for that rate (sometimes called yield spread premium ) to pay your costs.

This is why no-cost refinancing can make so much sense. In the simplest of terms: You lower your mortgage rate, and pay nothing to do so.

For instance: If you are starting at a rate of 5.5%, and you can a) refinance to 4% without paying closing costs, or b) refinance to 3.75% and pay thousands. Which do you choose?

It is awfully hard to build a case for ever paying closing costs unless you know that you will own the home and have the mortgage for the very, very long term.

Bottom line: The additional savings at the incrementally lower full cost rate rarely justifies the expense.

*With a No-Cost, even if you are wrong, you are right

The other great thing about the no-cost refinance? You never need to time the market. You need never hope that you guessed right or beat yourself up if rates fall again.

Because you have paid zero costs, there is zero risk. If rates keep falling, you just do another no cost. Wash, rinse, repeat.

Bottom-Bottom Line: If you are disciplined about doing a no-cost refinance every time rates drop, you effectively guarantee that no matter what happens to interest rates, you will always be within 1/2 point of the lowest mortgage rates ever get, and will never pay a dime to do so.

Finally, despite my erudite clumsy attempt to explain a no-cost refinance above, sometimes it just does not click until you see the no-cost numbers run out against your own loan there s got to be a hook, or a catch somewhere, right?

Anyway, if the idea intrigues you, but you are unsure how this might work in your particular situation (or worried about the hook!) drop me a line and I d be happy to personally run-out the numbers for you.

Becuase when it does click, you will say the same thing as everyone else: Why doesn t everybody do it this way

*A Few Cautionary Notes:

Before you run off seeking a no-cost refinance, it is important to understand a few nuances, and that a no-cost refinance will not work for everyone.

If you are escrowed for taxes and insurance. you will be required to establish an escrow account on the new loan this will normally mean a cash outlay at closing (assume about 6 months taxes and 6 months insurance, but it varies based on the time of year and what state you are in.) This generally works out a wash your current escrow balance will be a refund within 30 days of closing, and you ll skip your regularly scheduled mortgage payment the first of the month following the refinance.

If you are really pressed for cash, most lenders will allow you to add escrow amounts to the loan.

Appraisals matter. Unless you are refinancing an FHA mortgage, you will need an appraisal to refinance, and despite the expanded rules of the Home Affordable Refinance Program, many in-the-money refinances that should happen, won t, due to lack of equity.

Loan Amounts matter. As a general rule, the bigger the loan (up to the conforming limit of $417,000 in MN) the easier it is to do a no-cost. That s because the premium paid for the higher rate is paid as a percentage of the loan amount. 1% of $50,000 is $500.00. 1% of 300,000 is $3,000, which goes a lot further to cover closing costs, many of which are fixed, no matter the loan size.

Steer clear of major national banks that also service mortgages. N0-costs are mostly considered kryptonite by these banks. This is because they also have an interest in the servicing of the loan, and can actually lose money by doing too many no-costs. As a result, they often will do everything they can to talk you out of these, and generally offer weak premiums for above market rates.

Thinking about refinancing? Need a no-cost rate quote?

Whether a no-cost, or not, drop me a line with a few bullet points about what you are looking to do and I will personally reply in short order with some solid numbers.

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State car insurance rates

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).

Averages rates are based on full coverage insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage. This hypothetical driver has a clean record and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Nearly everything having to do with car insurance depends heavily on your state. The resources linked below will help you understand specific laws that may or may not affect you.

What is a tort state? : Thirty-eight states use the tort system, which means that someone is found at fault for every accident that involves car insurance, even if the fault is determined to be 50/50 between two drivers.

What is a no-fault state? : Under the no-fault system, car insurance companies pay for certain damages regardless of who was at fault. Laws vary among the 12 states that have no-fault insurance.

No pay, no play states : In states with no pay, no play laws, driving without insurance is even more risky than in other states. Uninsured drivers in these states are not compensated for any damage, even in accidents that are not their fault.

Which states share speeding ticket information? : Many states have formal agreements with each other, such as the Drivers License Compact and the Non-Resident Violator Compact, to share information regarding traffic tickets when drivers are ticketed out of state.

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Refinancing Your Property

There are many reasons you may want to consider refinancing your most important asset. With today’s low interest rates, it may be worthwhile to refinance your existing mortgage to either reduce your monthly payments, or to tap into your home equity to help with your short or long terms goals, including:

  • Renovating your home to improve your property value
  • Consolidating high interest loans and credit cards into one lower monthly payment
  • Investing in your RRSP and using your tax refund to pay down your mortgage
  • Paying for your child’s education
  • Purchasing another property

If your mortgage is closed and you refinance before your renewal date, you may face a penalty. However, it may still be worthwhile to refinance. The key is to determine whether the potential interest-rate savings outweigh the penalty.

You can also add a second mortgage on your property if refinancing your mortgage is not worthwhile. Our Home Trust Equityline Visa Card is a unique alternative to other second mortgage products, with all the flexibility of a line of credit and all the benefits
of Visa. Find out more .

To help you decide if refinancing is an option for you, contact a Home Trust Mortgage Specialist today at 1-877-903-2133 x5820. We’re available Monday through Friday from 9 am to 5 pm EST.

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