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Most Prestigious Online MBA Programs With No GMAT Requirement

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Most Prestigious Online MBA Programs With No GMAT Requirement

I’d like to earn an online MBA, but most seem to require the GMAT. I’m VP of marketing in the real world, but my GMAT scores stink. I’m hoping you can suggest online MBA programs, no GMAT required. Nothing I’ve done, including an expensive test prep program, has raised my scores. Can you suggest any online MBA programs that do not require the GMAT or that other pesky exam, the GRE?
—Jack
Ticonderoga, NY

Low scores on the GMAT (Graduate Management Admissions Test) or GRE (Graduate Record Exam) hurt a lot of older business school applicants. Fortunately, a legion of reputable distance business schools offer the online MBA with NO GMAT required for admission these days.

In fact, the Get Educated National Online MBA Ranking Survey uncovered 136accredited online MBA programs that require NO GMAT or GRE exam. (See links to these lists at the end of this article)

One surprising fact: 14 of the 64 top accredited online MBA degrees that GetEducated.com reviews do not require the GMAT or the GRE. (These MBAs are accredited by the Association to Advance Collegiate Schools of Business, AACSB.)

Colorado State University Online MBA – GMAT Optional

Because online business schools cater to older adults, many are abandoning the GMAT and related standardized admission exams as measures of academic preparedness.

Career experience is increasingly seen as a better indicator of success in the business world than old-school academic measures, such as the GMAT.

Colorado State University’s distance MBA —also 100 percent online and AACSB-accredited —requires the GMAT, but CSU will accept petitions for GMAT waiver from applicants with at least a 3.0 undergraduate GPA on the last half of their bachelor’s degree. To petition for a waiver you must be able to document at least eight years of professional career experience.

Many online MBA programs are designed for and recruit from older working students who will study part-time while they work at building their careers. Check the admission requirements at individual programs to see if a certain number of years of professional management experience will make you eligible for a GRE / GMAT waiver.

Specialty Online MBAs

Some graduate business schools offer specialized MBAs aimed at highly educated professionals. For example, Auburn University in Alabama offers a Physician’s MBA through distance learning. This MBA, which is open only to doctors, doesn’t require any formal admission exam.

Similarly, Oklahoma State University’s AACSB-accredited online MBA for Dentists requires no GRE or GMAT. (You’ll have to graduate dental school prior to seeking admission, however.)

Regionally Accredited Online Business Schools – Majority Require No Tests

Even more regionally-accredited business schools—95 of the 373 surveyed by GetEducated.com—have abolished the GRE/GMAT requirement.

Consult GetEducated.com’s Online MBA Guide for links to regionally, nationally and AACSB-accredited online MBAs that do not require the GRE or GMAT.

Baker College Online (Michigan), Excelsior College (New York), and Upper Iowa University (Iowa) are a few of the regionally accredited business schools that don’t routinely require the GRE or the GMAT.

Nationally Accredited Online MBA with NO GRE or GMAT

For complete barrier-free admission, try any of the MBAs accredited by national agencies, like the Distance Education and Training Council (DETC), which accredits distance-only universities, or the Accrediting Council for Independent Colleges and Schools (ACICS). which accredits career colleges.

According to GetEducated.com’s National Survey of Online MBAs, none of 14 DETC-accredited distance MBAs require the GRE or GMAT for admission.

You’ll find 217 accredited graduate business schools offering 387 online MBAs fully profiled in GetEducated’s database of online business schools .

Check the ADMISSIONS section of each school’s profile. Even when the GRE or GMAT are required, some online MBA programs require competitive (high) scores, while others accept applicants whose scores fall within the average range.


New York Life – Apply Now – Life Insurance up to $50, 000, life insurance without medical exam.

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For life’s simpler needs.

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To get a quote by phone, please call New York Life at 1-800-361-1741.

Monday – Friday 8 a.m. to 5 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).

Designed for shorter term needs, term life provides life insurance protection for a specific period of time.

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A.M. Best, Fitch and Moody’s Investors Service Highest Rating. Standard and Poor’s Second-Highest Rating.

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Includes details on costs, eligibility, renewability, limitations and exclusions.

Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

The licensed life insurance agent is Philip Cavan (Arkansas #300260, California #0F23862).

Maine Residents: A buyer’s guide and policy summary are available upon request.

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Term Life Insurance Quotes and Insurance Resources, QuickQuote, life insurance quotes without personal information.

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Our Term Life Insurance Companies

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  • Life insurance quotes without personal information
  • Life insurance quotes without personal information
  • Life insurance quotes without personal information

Answers to Your Term Life Insurance Questions

What is term life insurance?

Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Just pure and simple life insurance protection.

You can choose a term length of 10 to 35 years, and a coverage amount of $25,000 to $25M or more.

How much does term life insurance cost?

Term life insurance is inexpensive relative to other types of life insurance such as whole life or universal life. Your cost will depend on factors like age, gender, medical history, current health, tobacco use, driving record, and more.

The life insurance company will assign a rating class to your policy during the underwriting process. This class will determine how much you will pay.

How do I buy term life insurance?

You can buy term life insurance from an independent agent or broker (like us), from a captive agent (think Allstate or Farmer’s), or directly from a life insurance company, although very few sell directly to consumers.

The important thing to keep in mind is the cost is the same to you regardless of who you buy the policy from. Rates are set by the life insurance companies and approved by state insurance departments. Agents and brokers cannot adjust these rates up or down. However, they can help you find the lowest rate based on your unique circumstances.

How do I apply for term life insurance?

The term life application process is simple. We’ll do most of the heavy lifting for you.

    1. Select a company – Pick your favorite and click “Apply.”
    2. Schedule your application call – We’ll give you the calendar, you pick the day and time to complete your application with us by phone.
    3. Complete your paramed exam – We’ll schedule this during your call. All you have to do is meet with the examiner.
    4. Sit back and relax – We’ll work with the company to get your application approved. We may ask you for information from time to time, as needed.
    5. Return your policy documents and the first payment – We’ll mail your new policy to you. You’ll send us back any signatures needed and the first payment.
    That’s it! It really is that simple.

Best Companies: Life Insurance with No Medical Exam, life insurance without medical exam.

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Companies Offering Life Insurance Without a Medical Exam

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Life insurance without medical exam

Best No Medical Exam Life Insurance Companies

If you have avoided getting life insurance because you don’t have time for the physical, then you will be interested in life insurance with no medical exam.

These policies are readily available, very affordable and extremely convenient. Made for people who don’t have time or the desire to sit through a health exam, they are available from several companies. Here are just a few plans worth considering when you are ready to invest in life insurance without medical exam.

Life insurance without medical exam

Assurity Life Insurance

With coverage levels between $50,000 and $350,000, these are attractive term life insurance policies. Designed for people between 18 and 65.

Assurity Life also offers a Simplified Issue Whole Life policy with a max face amount of $50,000 for people ages 0-65. At ages 66 to 80, the max amount of coverage available is $25,000.

These applications are taken over the phone and then you sign electronically. Decisions normally take about two weeks.

Life insurance without medical exam

Fidelity Life Insurance

They have three types of plans to choose from:

Rapid Decision: is for people age 18 to 65 and offers coverage levels between $25,000 and $250,000. Applications are completed over the phone with an agent, and you must be in good health to apply.

Hybrid policies: are also for people between 18 and 65. Choose between $50,000 and $1,000,000 in coverage when you complete the application over the phone. Some health issues are acceptable, but the plans start out as a combination of “all cause” life insurance and “accident only” coverage.

Senior term life policies: are only for people between the ages of 50 and 70. The coverage levels are between $10,000 and $50,000, and it’s okay if you have some medical conditions. Applications are taken over the phone. It’s important to note that full coverage will not kick in until year 4. During the first 3 years only accidental death is covered.

Life insurance without medical exam

American National Life Insurance (ANICO)

This policy offers faster approvals with most people receiving an answer in just three days or less. However, you must be in good health to receive approval through their strict underwriting system. They do have some of the lowest rates available if you are in good health and do not have other risk factors.

Applications are taken over the phone and then you sign electronically, or you can send in a paper application. Coverage levels are between $50,000 and $250,000, and they are designed for people between 18 and 65 years of age. Term and Universal Life Insurance policies are offered.

Life insurance without medical exam

Mutual of Omaha

Available for people between 18 and 65 years of age, this life insurance with no medical exam can be applied for over the phone and then you sign electronically.

The maximum amount of coverage they offer without a medical exam is $250,000. It takes two weeks for approvals, but they accept health conditions and risks that other companies avoid.

Individuals under age 80 can purchase whole life insurance, also known as final expense insurance up to a maximum of $40,000. These policies usually take 2 weeks for approval. Once approved, the rates and coverage amount are guaranteed for lifetime. The policy benefits begin immediately for both illness and accident. Mutual of Omaha is usually the best priced final expense policy for health individuals.

Life insurance without medical examSagicor Life Insurance Company

Sagicor Life Insurance Company offers term life insurance no medical exam up to a maximum of $400,000. The term lengths available are 10, 15 and 20 years. They also offer No Lapse Universal Life Insurance up to $400,000. Both policy types require individuals to be ages 65 or younger. They are more strict than others with underwriting, but they do approve healthy individuals within minutes of submitting the application.

Life insurance without medical examPrincipal Financial Group

Principal Financial Group has a new underwriting process called “Accelerated Underwriting”. This new underwriting process allows individuals ages 18-60 that are eligible for the two best rate classes, Super Preferred and Preferred to purchase up to $1,000,000 of life insurance coverage with no medical exam.

This is full coverage that covers both accident and illness. All term lengths and policy types are available. You can get term insurance and universal life insurance with no medical exam if you qualify.

Life insurance without medical examAetna / American Continental Insurance Company

American Continental Insurance Company is a company owned by Aetna, which is one of the the largest health life insurance companies in the nation. This policy has been made specifically for seniors up to age 85. This is a whole life policy also known as final expense life insurance. The policy amounts available are from $5,000 up to a maximum of $25,000.

This product is unique because it will approve individuals that most companies will decline. Most applications are approved within minutes of submitting them. If you have been declined by other final expense life insurance carriers, you may want to give Aetna a try.

Gerber Life InsuranceLife insurance without medical exam

Gerber Life Insurance offers Guaranteed Issue Life Insurance. No medical questions are asked and you can not be denied. This policy is for individuals ages 50-80 with severe medical conditions. This is a whole life insurance policy that offers a maximum of $25,000 of coverage.

Since this life insurance company is willing to take a greater risk on who they insure, the premiums are higher and you will have a 2 year waiting period before the policy will cover death by illness. This is the last resort if you are unable to get life insurance with any other company. However, it certain has it’s place because some life insurance is better than nothing at all!

Applying for Life Insurance without Medical Exam

When applying for Life Insurance with No Medical Exam coverage, it’s important to remember that you must answer questions honestly.

No medical exam life insurance companies will look at your medical history, and they reserve the right to refuse coverage if you have answered questions dishonestly. In addition to looking at your medical history, they will also pull a motor vehicle report to see if you have dangerous driving habits, and they will pull a pharmacy report to see what prescription medications you take.

While there are more affordable options for insurance, there are times when life insurance with no medical exam is the best choice.

  • If you need coverage immediately and don’t want to wait for a traditional policy, then it is the right choice.
  • If you haven’t been to the doctor in more than two years, then this could also be the best option since you aren’t sure what a health exam would show.
  • Finally, it’s the right insurance if you simply don’t like needles or don’t have time for the appointment.

If you re shopping for term life insurance no medical exam, contact us to get cheap life insurance without medical exam free quotes by answering few simple health questions 1-888-773-1181



How To Sell New Cars (Without Hating Yourself) – The Truth About Cars #buy #cars #online


#how to sell a car
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How To Sell New Cars (Without Hating Yourself)

I remember the look on my father’s face when I explained to him that I would be selling cars. It was the look any of someone who has just heard the details of a grisly murder; a bit of curiosity, quickly overtaken by disdain. He sank into his chair. “It’s a job,” he grunted, and I realized that was as strong an endorsement for my new job as I was going to get. Truth be told, I felt about the same.

It s no surprise that the car salesman has been painted as a snake-oil pusher; a charlatan peddling his wares to people in an unethical manner. Like all stereotypes it s a vast overgeneralization, but I had the same perceptions of car salesmen as anyone going into my first day at work. I wondered: how accurate were the portrayals in popular culture? Would I have to get white shoes and slick back my hair? Would I have to wear a pinky ring?!

My fears were assuaged as I was let in on the trade secrets. Here’s the dirty, sordid summation of car salesmanship: guide, but don’t push. That’s it in a nutshell. Sure, we accentuate the positive attributes of a car and explain why the car fits the needs you, the buyer, have laid out for us, but it does neither you nor us any service to try and push you into a car you don’t want.

The nature of the business is a strange one; both sides, neither friends nor foes, feigning small-talk while each wanting to retain money that is up for grabs. As my contempt for my new profession faded and I discovered that a few bad apples had soiled the reputation of all car salesmen, I began to observe the odd interactions between buyers and salesmen. Certain unexpected truths quickly revealed themselves.

Truth #1: Everybody Wants to Buy, but Nobody Wants to be Sold

On my second day at the job, a veteran salesman summed up every buyer: everybody wants to buy, but nobody wants to be sold. He was right.

Instead of pushing anything, I began to familiarize myself with cars and whenever I talked to an “up” (an on-the-lot customer), I started by asking buyers what were “musts” and what were “preferences”. The process started with them narrowing in on what they envisioned for their ride. If people envision driving down the freeway in a luxury SUV, no matter what kind of sedan you show them, they will feel conned if you push them towards a sedan. Then, you will have lost their trust and most likely, their business. So, we always take the buyer’s lead. “You want a ½ ton Chevy with an extended cab? Great, we have several of them. You mentioned you would like it black. If the price was right, would you consider a different color?” Every preference has its price.

Despite the shady reputation, car salesmen really do listen and care what car you want. The problem is that most buyers aren’t sure of what they want themselves. We have to guide you to the sale, but make sure it’s your idea. Honestly, it’s exhausting. Our persuasive skills mainly come into play in the negotiation process. So, before you step on the lot, write out your “musts” and be prepared to articulate them to your salesman and you’ll make it easier to find that for which you are looking.

Truth #2: Buyers are (Most Likely) Not Professional Negotiators

As we walk amongst the rows of cars, buyers are wary of salesmen. They’re fearful we will pull some voodoo magic mixed with a Jedi mind-trick and force them into buying a car against their will. Once they’re in the office, a façade of skepticism and unearned bravado washes over them and anxiety dissipates like a Xanax in full effect. Husbands will swagger as if to say, “I’ve got this. I know how to haggle.” It’s an odd phenomenon because this is where buyers should feel the least confident.

We know the buyer likes the car. The average person goes through the car buying process a handful of times in their lives. Yet, while the salesman deals in car sales frequently, the buyer often puts forth a confident front. It’s reminiscent of the stereotypical tourist who saddles up to the blackjack table in Vegas insisting that he has a “system” after having read a book about gambling on the plane. Remember: they didn’t build Caesar’s palace by losing to tourists, and we don’t sustain a living by being bested by buyers. Does it happen? Sure, but not often.

It’s weird to witness; the theatrics people pull to show they won’t be pushed around. They will stomp out in a huff and hope we chase after them. They will low-ball us and claim that they saw the exact same car down the road for that price. If they had, they would be down there buying it.

The best way to get a killer deal is to approach the negotiation from a prepared standpoint. Do your research! Know, realistically, how much the car is worth (not according to Kelley Blue Book, but local market value), and understand that the dealership needs to make a profit, too. If they offer you a ludicrous deal, showing them that you know your stuff goes a long way to getting them to knock off the high-balling. If you come prepared with a reasonable offer, based on facts and not wishful thinking, things will go a lot smoother for everybody and you won’t appear foolish. While bravado is often a sign of unsure footing, preparedness illustrates to us someone who is not easy fooled and will often yield a better deal.

Truth #3: The Real Savings are in the Trade-in Allowance, not the Price

People do whatever they can to not pay sticker price. Paying full sticker can feel like a moral defeat. However, where salesmen often have the most wiggle room is in the trade-in allowance.

We get a commission based on the profit the dealership made. We also give you the littlest amount for your trade-in so that when we sell it, we make the most money. Furthermore, we need to allow as much room as possible in case your trade-in (that you swore “runs like a top”), needs costly repairs.

When you come into our office and demand we lower the asking price, we are hesitant to do so because it eats away at the profit margin as well as our commission. A better tactic is to ask for a better price on your trade.

This is tricky. Don’t be defensive. Everybody is defensive when that jewel of a car is appraised for two-thirds its actual value. Instead, insist that the sticker price is a bit high, but that you are more concerned with the trade-in allowance. Getting a thousand dollars more for your trade-in is the same as getting a thousand dollars off the selling price. But it can be easier to get the trade-in number to budge.

Of course, every dealership is different and may have different policies as to how they figure commission. So it won’t necessarily work at every dealership. But if raising the trade-in allowance doesn’t affect the salesman’s commission, then you will likely get less resistance from him.

It’s a strange business, alright. However, people need cars and as my dad said: it’s a job.



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.

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Fees – Seneca – Toronto, Canada #colleges #without #application #fees


#

Fees for International Students

Application Fees

All International student applications must be accompanied by a $65 (Cdn) non-refundable application fee. This is the only fee Seneca charges to submit an application to Seneca.

If you choose to submit your application through an independent Educational Agency who charges a consulting fee, for services rendered, above and beyond this $65.00 Seneca application fee, it is quite separate from Seneca. This fee is set at the agency’s discretion, as the owner/operator of his/her own business. Seneca asks ALL registered Seneca Educational Agency’s to not charge additional fees or to be very fair and reasonable, if charging consulting fees. If you have any questions or concerns, please contact us directly.

International Tuition and Other Fees

To view the tuition fee for each program, go to the Program List. Choose your program and click “Fees”.

When you have been accepted to Seneca, you will receive an invoice with your Offer of Acceptance. It is the student’s responsibility to ensure tuition fees are in your Seneca student account before the date of expiry outlined on your Seneca invoice. Fees are subject to change due to amendments in Ontario Ministry of Education and Training’s regulations and/or increased service costs.

Notice: If you are late paying your fees, you may risk losing your seat in your selected program. Seneca does have qualified applicants on waiting lists, and when your offer expires, without tuition fees in your account, applicants on the waiting lists are offered the seat.

Course Materials

Every Seneca course requires books and/or materials. The cost of these books and/or supplies will vary depending on the course and projects involved. On average, students should be prepared to spend between $400 and $900 Cdn. per semester. Please see International Welcome Guide for more details.

Currency Converter

Budget at a Glance

  • Seneca Fees per year
    $13,000 (approximately)
    Seneca Fees for more information
  • Books
    $400 $900 (1 semester)
  • Housing
    $450 $850 (1 month)
  • Transportation
    $100 (1 month)
    unlimited bus pass
  • Students can expect to budget approximately $1,000 per month for ALL living costs.
  • Above costs are in Canadian dollars

With campuses across the Greater Toronto Area, Seneca offers degrees, diplomas and certificates renowned for their quality and respected by employers. Combining the highest academic standards with practical, hands-on learning, expert teaching faculty and the latest technology ensures Seneca graduates are career-ready.



Insurance Quotes without Personal Information Online – Insurance Articles and RSS Feeds #auto #painting


#online auto insurance
#

Insurance Quotes without Personal Information Online

If you’re looking to purchase a new vehicle or insure a car that you already own, browsing around for auto insurance quotes can be a tricky thing. These days, it’s hard to trust websites with your information and that’s why your best bet would be to avoid sites that ask for too much information. What’s too much information? Well, applying for auto protection, you’ll come across legitimate websites that ask you for appropriate info that can allow them to better assess you as a customer. The vehicle insurance company will need to know your name, date of birth, zip code, type of car and a phone number where you can be reached. Other sites that require you to enter more information, such as a driver’s license number and social security number could very well be scammers. You don’t really know who you can trust.

Checking Out Insurance Companies

Auto insurers check you out, so why not check out the vehicle protection agencies you are looking to get an estimated premium from? As you’re browsing around the different websites, if you feel that they are asking for too much information, simply take down the information about the company and do research on them. If they don’t provide a number or address, you should definitely be weary. The Better Business Bureau, also known as the BBB, is a great place to start. They have a website where you can look up companies by their names and locations. There you will find out if they are registered members of the Better Business Bureau and/or if they have a complaint file. If you do happen to find one, check to see what type of complaints the car insurance company you’re looking up has and whether they have been resolved or not.

Another great way to check out vehicle coverage providers is to look them up on Google. There are various websites, like RipOffReport.com, that allow consumers to complain about various entities. You can look on those websites or you can simply type in terms like “auto protection carrier’s name” rip-off, “car insurer’s name” complaints or “vehicle insurance provider‘s name” scam. Likely you will be able to find some listings on the first page that relate to those keywords. If not, the car coverage carrier may be legitimate. Still check with the Better Business Bureau to see if they have any files, good or bad, on the insurance provider. Give the insurance companies a call as well. Speaking with them over the phone will give a better idea of who they are. Look up the company to see how long they’ve been in business, this will allow you to know if they are a fly-by-night car insurer or if they are reputable.

Searching for Car Protection Rates Without Personal Information

Looking for auto insurance rates is quite simple with the use of the internet and home computer. You can begin by searching around for insurance comparison websites that will match you up with various insurers and allow you to compare them side-by-side. When you’re looking through the premiums, make sure to look at all of the coverage that’s offered to ensure that you’re getting all the benefits you need for your situation. You want to make sure that you’re getting a good deal for the price you’re paying. If you feel like you don’t need that much coverage, you can easily lower the liability limits and increase the deductibles. This will also cause your insurance quote to drop down a bit.

As you are searching through the comparison site, make sure that you are not getting caught up in a scam to steal your information. Don’t reveal more than your name, birth date, car info and zip code (quotes are checked by location).

Buying Car Premiums Without Personal Information

At OnlineAutoInsurance.com, you will receive a quote based on the information you’ve given us. In order to adjust the car insurance rate you get, you can mess around with the deductibles and liability limits. The higher your deductibles, the lower your rates and the lower your liability limits, the lower your insurance quote becomes. Just keep in mind though, the deductibles you choose, you are required to pay upfront and out of your own pocket. It is very important that you look over the contract of your auto insurance policy to see exactly what you’re getting. If there is anything that you don’t understand, you can speak with one of our representatives to ask questions or clarify anything you see on the contract.

It is important that you check with your state vehicle insurance regulations to ensure that you’re buying enough to legally drive around. Each state has minimum requirements for body and damage liabilities. You should be able to find the website for your state’s auto coverage requirements online. They offer this information freely to the public.

At OnlineAutoInsurance.com, we don’t ask you for any personal information, such as your social security or driver’s license number. The information we do request will determine what your auto protection quote will be. We believe in building trust with our clients, so we don’t make them feel uneasy about dealing with us.

Getting insurance quotes without personal information requirements is very simple when you have access to the web. Simply browse through the car coverage providers that are out there to see what type of coverage you can find. The useful web tools that allow you to obtain auto coverage prices is very handy if you use them accurately. See how much your coverage quote will be by using the useful tool today.

August 11th, 2014 at 2:49 pm

Okay I want to know which one is better. I want the car at the end of my payment.How long do it take to get a loan from the bank. insurance agency management system

October 17th, 2013 at 8:33 am

HEy does anyone know why when buying getting quotes for auto insurance you cant just put in your vehicle but have to give personnal information? I really want to know but in my opinion I think it is a scam by the unregulated insurance companies. Really I just dont like sharing my personal information online to anyone I dont necessarily know.



How to Find a Car You Owned Without the VIN #buy #second #hand #car


#find a car
#

How to Find a Car You Owned Without the VIN

Promoted by

Use the license plate number. The motor vehicles department in your state uses the license plate number as well as the VIN to identify all vehicles. You can research any transfer of ownership using the license plate number. The motor vehicles department in your state might not agree to reveal personal details regarding the present owner, but the department will be able to locate the vehicle in the system. Once the vehicle is located they can also provide you with the VIN if you so choose.

Search for the car using your driver’s license number. Every motor vehicles bureau maintains a comprehensive individual record of its drivers, demarcated by driver’s license number. These records will include all cars registered under your name. Once the car is located in the system, the bureau can give you the VIN for use in the future.

Contact the insurance company that insured the car while you were the owner. Inform them that you want to locate the VIN number of the car. The company will ask you to verify some information to make sure you are who you say you are. Upon verification of your identity, the insurance company will comply with your request and provide you with the VIN.



How to Refill the Coolant without a Bleed Tool #auto #window #tint


#chilton auto repair
#

Recent Comments

How to Refill the Coolant without a Bleed Tool

Posted on: November 25th, 2015 by Gene Hannon

Draining and refilling the coolant is one of the easier maintenance tasks you can do on most vehicles. In addition to saving money, doing your own maintenance is a way to monitor the health of your vehicle.

Coolant loses effectiveness over time, so it’s important to periodically drain and refill the cooling system. In addition, as coolant becomes dirty, and rust and particles can eventually degrade cooling system components, such as the engine and water pump.

If you drain the system and then pour coolant in, there is still air trapped within the hoses and components that hold coolant. That air must be removed. You’ll need to bleed out the air and then top off the coolant to the proper level.

Some car manufacturer refill procedures use a special tool that automatically fills the cooling system and bleeds any excess air. In most cases, if you don’t have the special tool, you can still fill the cooling system and bleed it manually. In rare cases, vehicles need to be serviced with specialized cooling system equipment, due to the complexity of the cooling system. Air will become trapped in the cooling system, and cause the engine to overheat! Check the service information before you attempt the procedure.



How to Find a Car You Owned Without the VIN #auto #one


#find a car
#

How to Find a Car You Owned Without the VIN

Promoted by

Use the license plate number. The motor vehicles department in your state uses the license plate number as well as the VIN to identify all vehicles. You can research any transfer of ownership using the license plate number. The motor vehicles department in your state might not agree to reveal personal details regarding the present owner, but the department will be able to locate the vehicle in the system. Once the vehicle is located they can also provide you with the VIN if you so choose.

Search for the car using your driver’s license number. Every motor vehicles bureau maintains a comprehensive individual record of its drivers, demarcated by driver’s license number. These records will include all cars registered under your name. Once the car is located in the system, the bureau can give you the VIN for use in the future.

Contact the insurance company that insured the car while you were the owner. Inform them that you want to locate the VIN number of the car. The company will ask you to verify some information to make sure you are who you say you are. Upon verification of your identity, the insurance company will comply with your request and provide you with the VIN.



How to Refill the Coolant without a Bleed Tool #auto #car #sales


#chilton auto repair
#

Recent Comments

How to Refill the Coolant without a Bleed Tool

Posted on: November 25th, 2015 by Gene Hannon

Draining and refilling the coolant is one of the easier maintenance tasks you can do on most vehicles. In addition to saving money, doing your own maintenance is a way to monitor the health of your vehicle.

Coolant loses effectiveness over time, so it’s important to periodically drain and refill the cooling system. In addition, as coolant becomes dirty, and rust and particles can eventually degrade cooling system components, such as the engine and water pump.

If you drain the system and then pour coolant in, there is still air trapped within the hoses and components that hold coolant. That air must be removed. You’ll need to bleed out the air and then top off the coolant to the proper level.

Some car manufacturer refill procedures use a special tool that automatically fills the cooling system and bleeds any excess air. In most cases, if you don’t have the special tool, you can still fill the cooling system and bleed it manually. In rare cases, vehicles need to be serviced with specialized cooling system equipment, due to the complexity of the cooling system. Air will become trapped in the cooling system, and cause the engine to overheat! Check the service information before you attempt the procedure.



How To Sell New Cars (Without Hating Yourself) – The Truth About Cars #geek #auto #parts


#how to sell a car
#

How To Sell New Cars (Without Hating Yourself)

I remember the look on my father’s face when I explained to him that I would be selling cars. It was the look any of someone who has just heard the details of a grisly murder; a bit of curiosity, quickly overtaken by disdain. He sank into his chair. “It’s a job,” he grunted, and I realized that was as strong an endorsement for my new job as I was going to get. Truth be told, I felt about the same.

It s no surprise that the car salesman has been painted as a snake-oil pusher; a charlatan peddling his wares to people in an unethical manner. Like all stereotypes it s a vast overgeneralization, but I had the same perceptions of car salesmen as anyone going into my first day at work. I wondered: how accurate were the portrayals in popular culture? Would I have to get white shoes and slick back my hair? Would I have to wear a pinky ring?!

My fears were assuaged as I was let in on the trade secrets. Here’s the dirty, sordid summation of car salesmanship: guide, but don’t push. That’s it in a nutshell. Sure, we accentuate the positive attributes of a car and explain why the car fits the needs you, the buyer, have laid out for us, but it does neither you nor us any service to try and push you into a car you don’t want.

The nature of the business is a strange one; both sides, neither friends nor foes, feigning small-talk while each wanting to retain money that is up for grabs. As my contempt for my new profession faded and I discovered that a few bad apples had soiled the reputation of all car salesmen, I began to observe the odd interactions between buyers and salesmen. Certain unexpected truths quickly revealed themselves.

Truth #1: Everybody Wants to Buy, but Nobody Wants to be Sold

On my second day at the job, a veteran salesman summed up every buyer: everybody wants to buy, but nobody wants to be sold. He was right.

Instead of pushing anything, I began to familiarize myself with cars and whenever I talked to an “up” (an on-the-lot customer), I started by asking buyers what were “musts” and what were “preferences”. The process started with them narrowing in on what they envisioned for their ride. If people envision driving down the freeway in a luxury SUV, no matter what kind of sedan you show them, they will feel conned if you push them towards a sedan. Then, you will have lost their trust and most likely, their business. So, we always take the buyer’s lead. “You want a ½ ton Chevy with an extended cab? Great, we have several of them. You mentioned you would like it black. If the price was right, would you consider a different color?” Every preference has its price.

Despite the shady reputation, car salesmen really do listen and care what car you want. The problem is that most buyers aren’t sure of what they want themselves. We have to guide you to the sale, but make sure it’s your idea. Honestly, it’s exhausting. Our persuasive skills mainly come into play in the negotiation process. So, before you step on the lot, write out your “musts” and be prepared to articulate them to your salesman and you’ll make it easier to find that for which you are looking.

Truth #2: Buyers are (Most Likely) Not Professional Negotiators

As we walk amongst the rows of cars, buyers are wary of salesmen. They’re fearful we will pull some voodoo magic mixed with a Jedi mind-trick and force them into buying a car against their will. Once they’re in the office, a façade of skepticism and unearned bravado washes over them and anxiety dissipates like a Xanax in full effect. Husbands will swagger as if to say, “I’ve got this. I know how to haggle.” It’s an odd phenomenon because this is where buyers should feel the least confident.

We know the buyer likes the car. The average person goes through the car buying process a handful of times in their lives. Yet, while the salesman deals in car sales frequently, the buyer often puts forth a confident front. It’s reminiscent of the stereotypical tourist who saddles up to the blackjack table in Vegas insisting that he has a “system” after having read a book about gambling on the plane. Remember: they didn’t build Caesar’s palace by losing to tourists, and we don’t sustain a living by being bested by buyers. Does it happen? Sure, but not often.

It’s weird to witness; the theatrics people pull to show they won’t be pushed around. They will stomp out in a huff and hope we chase after them. They will low-ball us and claim that they saw the exact same car down the road for that price. If they had, they would be down there buying it.

The best way to get a killer deal is to approach the negotiation from a prepared standpoint. Do your research! Know, realistically, how much the car is worth (not according to Kelley Blue Book, but local market value), and understand that the dealership needs to make a profit, too. If they offer you a ludicrous deal, showing them that you know your stuff goes a long way to getting them to knock off the high-balling. If you come prepared with a reasonable offer, based on facts and not wishful thinking, things will go a lot smoother for everybody and you won’t appear foolish. While bravado is often a sign of unsure footing, preparedness illustrates to us someone who is not easy fooled and will often yield a better deal.

Truth #3: The Real Savings are in the Trade-in Allowance, not the Price

People do whatever they can to not pay sticker price. Paying full sticker can feel like a moral defeat. However, where salesmen often have the most wiggle room is in the trade-in allowance.

We get a commission based on the profit the dealership made. We also give you the littlest amount for your trade-in so that when we sell it, we make the most money. Furthermore, we need to allow as much room as possible in case your trade-in (that you swore “runs like a top”), needs costly repairs.

When you come into our office and demand we lower the asking price, we are hesitant to do so because it eats away at the profit margin as well as our commission. A better tactic is to ask for a better price on your trade.

This is tricky. Don’t be defensive. Everybody is defensive when that jewel of a car is appraised for two-thirds its actual value. Instead, insist that the sticker price is a bit high, but that you are more concerned with the trade-in allowance. Getting a thousand dollars more for your trade-in is the same as getting a thousand dollars off the selling price. But it can be easier to get the trade-in number to budge.

Of course, every dealership is different and may have different policies as to how they figure commission. So it won’t necessarily work at every dealership. But if raising the trade-in allowance doesn’t affect the salesman’s commission, then you will likely get less resistance from him.

It’s a strange business, alright. However, people need cars and as my dad said: it’s a job.



How to Refill the Coolant without a Bleed Tool #dallas #auto #auction


#chilton auto repair
#

Recent Comments

How to Refill the Coolant without a Bleed Tool

Posted on: November 25th, 2015 by Gene Hannon

Draining and refilling the coolant is one of the easier maintenance tasks you can do on most vehicles. In addition to saving money, doing your own maintenance is a way to monitor the health of your vehicle.

Coolant loses effectiveness over time, so it’s important to periodically drain and refill the cooling system. In addition, as coolant becomes dirty, and rust and particles can eventually degrade cooling system components, such as the engine and water pump.

If you drain the system and then pour coolant in, there is still air trapped within the hoses and components that hold coolant. That air must be removed. You’ll need to bleed out the air and then top off the coolant to the proper level.

Some car manufacturer refill procedures use a special tool that automatically fills the cooling system and bleeds any excess air. In most cases, if you don’t have the special tool, you can still fill the cooling system and bleed it manually. In rare cases, vehicles need to be serviced with specialized cooling system equipment, due to the complexity of the cooling system. Air will become trapped in the cooling system, and cause the engine to overheat! Check the service information before you attempt the procedure.



How To Sell New Cars (Without Hating Yourself) – The Truth About Cars #sear #auto #center


#how to sell a car
#

How To Sell New Cars (Without Hating Yourself)

I remember the look on my father’s face when I explained to him that I would be selling cars. It was the look any of someone who has just heard the details of a grisly murder; a bit of curiosity, quickly overtaken by disdain. He sank into his chair. “It’s a job,” he grunted, and I realized that was as strong an endorsement for my new job as I was going to get. Truth be told, I felt about the same.

It s no surprise that the car salesman has been painted as a snake-oil pusher; a charlatan peddling his wares to people in an unethical manner. Like all stereotypes it s a vast overgeneralization, but I had the same perceptions of car salesmen as anyone going into my first day at work. I wondered: how accurate were the portrayals in popular culture? Would I have to get white shoes and slick back my hair? Would I have to wear a pinky ring?!

My fears were assuaged as I was let in on the trade secrets. Here’s the dirty, sordid summation of car salesmanship: guide, but don’t push. That’s it in a nutshell. Sure, we accentuate the positive attributes of a car and explain why the car fits the needs you, the buyer, have laid out for us, but it does neither you nor us any service to try and push you into a car you don’t want.

The nature of the business is a strange one; both sides, neither friends nor foes, feigning small-talk while each wanting to retain money that is up for grabs. As my contempt for my new profession faded and I discovered that a few bad apples had soiled the reputation of all car salesmen, I began to observe the odd interactions between buyers and salesmen. Certain unexpected truths quickly revealed themselves.

Truth #1: Everybody Wants to Buy, but Nobody Wants to be Sold

On my second day at the job, a veteran salesman summed up every buyer: everybody wants to buy, but nobody wants to be sold. He was right.

Instead of pushing anything, I began to familiarize myself with cars and whenever I talked to an “up” (an on-the-lot customer), I started by asking buyers what were “musts” and what were “preferences”. The process started with them narrowing in on what they envisioned for their ride. If people envision driving down the freeway in a luxury SUV, no matter what kind of sedan you show them, they will feel conned if you push them towards a sedan. Then, you will have lost their trust and most likely, their business. So, we always take the buyer’s lead. “You want a ½ ton Chevy with an extended cab? Great, we have several of them. You mentioned you would like it black. If the price was right, would you consider a different color?” Every preference has its price.

Despite the shady reputation, car salesmen really do listen and care what car you want. The problem is that most buyers aren’t sure of what they want themselves. We have to guide you to the sale, but make sure it’s your idea. Honestly, it’s exhausting. Our persuasive skills mainly come into play in the negotiation process. So, before you step on the lot, write out your “musts” and be prepared to articulate them to your salesman and you’ll make it easier to find that for which you are looking.

Truth #2: Buyers are (Most Likely) Not Professional Negotiators

As we walk amongst the rows of cars, buyers are wary of salesmen. They’re fearful we will pull some voodoo magic mixed with a Jedi mind-trick and force them into buying a car against their will. Once they’re in the office, a façade of skepticism and unearned bravado washes over them and anxiety dissipates like a Xanax in full effect. Husbands will swagger as if to say, “I’ve got this. I know how to haggle.” It’s an odd phenomenon because this is where buyers should feel the least confident.

We know the buyer likes the car. The average person goes through the car buying process a handful of times in their lives. Yet, while the salesman deals in car sales frequently, the buyer often puts forth a confident front. It’s reminiscent of the stereotypical tourist who saddles up to the blackjack table in Vegas insisting that he has a “system” after having read a book about gambling on the plane. Remember: they didn’t build Caesar’s palace by losing to tourists, and we don’t sustain a living by being bested by buyers. Does it happen? Sure, but not often.

It’s weird to witness; the theatrics people pull to show they won’t be pushed around. They will stomp out in a huff and hope we chase after them. They will low-ball us and claim that they saw the exact same car down the road for that price. If they had, they would be down there buying it.

The best way to get a killer deal is to approach the negotiation from a prepared standpoint. Do your research! Know, realistically, how much the car is worth (not according to Kelley Blue Book, but local market value), and understand that the dealership needs to make a profit, too. If they offer you a ludicrous deal, showing them that you know your stuff goes a long way to getting them to knock off the high-balling. If you come prepared with a reasonable offer, based on facts and not wishful thinking, things will go a lot smoother for everybody and you won’t appear foolish. While bravado is often a sign of unsure footing, preparedness illustrates to us someone who is not easy fooled and will often yield a better deal.

Truth #3: The Real Savings are in the Trade-in Allowance, not the Price

People do whatever they can to not pay sticker price. Paying full sticker can feel like a moral defeat. However, where salesmen often have the most wiggle room is in the trade-in allowance.

We get a commission based on the profit the dealership made. We also give you the littlest amount for your trade-in so that when we sell it, we make the most money. Furthermore, we need to allow as much room as possible in case your trade-in (that you swore “runs like a top”), needs costly repairs.

When you come into our office and demand we lower the asking price, we are hesitant to do so because it eats away at the profit margin as well as our commission. A better tactic is to ask for a better price on your trade.

This is tricky. Don’t be defensive. Everybody is defensive when that jewel of a car is appraised for two-thirds its actual value. Instead, insist that the sticker price is a bit high, but that you are more concerned with the trade-in allowance. Getting a thousand dollars more for your trade-in is the same as getting a thousand dollars off the selling price. But it can be easier to get the trade-in number to budge.

Of course, every dealership is different and may have different policies as to how they figure commission. So it won’t necessarily work at every dealership. But if raising the trade-in allowance doesn’t affect the salesman’s commission, then you will likely get less resistance from him.

It’s a strange business, alright. However, people need cars and as my dad said: it’s a job.



Guide to Buying a Used Car Without Going Crazy


#buying used car
#

Guide to Buying a Used Car Without Going Crazy

Wise Bread Picks

One night about a month ago, I was telling my friend about the brain-frying frustration I was experiencing trying to buy a used car off of Craiglist. I feel like I can spend infinite time on this, I told her, And there are infinite options.

Everyone I know who has tried to buy a used car on Craigslist has gone absolutely crazy, she said. That response was like getting bird poop in your eye and then being told it’s happened to other people it’s nice to know you’re not alone, but it really doesn’t help the situation.

It was a good reminder of how stressful buying a used car is, though, especially when you’re buying from an individual though a classified site like Craigslist like I was. I spent a LOT of hours researching vehicles, goings for test drives, and heading to check out cars only to be told they just sold to someone else. I learned a lot in the process, and I did finally find a car one that was in good condition and in my price range. No matter what you do, buying a used car is going to be stressful nobody wants to throw thousands of dollars away on a lemon. I can’t tell you that you won’t be stressed out, but here’s some information I wish I had known up front that will hopefully make your car-buying process easier. (See also: 5 Myths About Car Insurance )

A Few Things to Consider First

First of all, the suggestions in this article pertain primarily to buying a car from an individual or a dealer that does not provide certified pre-owned vehicles. My budget was $4,000 low for a car, I know, but I wanted to avoid car payments at all costs. This meant that certified pre-owned vehicles were out of my price range.

Two of the primary things to check on when you’re buying a used car have to do with the title, and you should find out about these before you even look at the car. First of all, make sure that the seller has the physical title, and that the title is in his or her name. If you hand over payment for a car, and that car turns out to have a lien on it (i.e. money is still owed to the bank for the car loan), you might not end up owning the car you just bought.

Also check whether or not the title is a salvage title. A salvage title means that at some point, an insurance company deemed the car in question beyond salvageable. While sometimes salvage titles pertain to theft and the car itself is fine, it often means that the car was in an accident. Even if the car was rebuilt, the car’s structure is usually left weaker after this type of an event and is generally less safe.

Narrow Your Options

One of the biggest problems I had with buying my car was getting overwhelmed by choice. My main criteria was that I wanted the car to run well for at least two years. But that left a huge number of vehicles for me to choose from. I felt that with my price range, I needed to take what I could get. But with some urging from my boyfriend, I further refined my criteria. I wanted a short car, because I only have street parking, and I wanted it to have under 100,000 miles on it. I also wanted to buy a car from someone who was moving or changing cars for a good reason (such as getting a bigger car for an expanding family), because I figured that’d net vehicles in better condition. While part of me felt like I might be missing out on a great deal by focusing my search like this, it did make things easier.

Make Space in Your Budget

Remember that the cost of the car itself isn’t the only cost. There might be an increase in your insurance, DMV fees, or unexpected mechanic costs. Include funds for these costs in your car-buying budget.

Do Your Research

I did a LOT of research into the cars I looked at. Here are the big four sites that I used.

Kelley Blue Book

The Kelley Blue Book is the standard for finding what used cars are worth. Plug in the information on a car you’re thinking of buying, and it will tell you how much suggested selling price of the car is. The site will even provide different price levels based on the car’s condition.

Edmunds provides car reviews and gives suggestions on whether or not a particular used car is generally a good buy. If it isn’t, they’ll generally give suggestions on similar cars to look at. They didn’t have information on a couple of cars I was interested, but in general, it was a very helpful site.

The MSN Autos site has what I found to be one of the most valuable resources in my car search reliability charts that show what problems different makes of cars usually have and the cost to fix them. For example, the 2002 VW Cabrio has moderate engine problems, but the repairs are all relatively inexpensive.

Once you have a car you like, enter the vehicle identification number (VIN it’s at the base of the windshield), and Carfax will give you a report on the history of that car. It steered me away from an otherwise great-seeming car that turned out to fail the California emissions test five times in a row, and it showed me that the car I did eventually buy had no serious problems.

Check the Car Out

If you see a car you really like, make an appointment to see it as soon as you can. If it really is a good car at a good price, there is an excellent chance that someone else will buy it before you get there. This happened to me several times.

Get someone to go with you. Not only do you probably need the ride, but a second person can provide lots of help. My friend both helped me inspect cars and provided a voice of reason when I wanted to settle for a not-so-great vehicle just to be done with the whole process.

Check the car out carefully. Hopefully, this is a duh comment. There are a lot of great resources online already about what to look for check out About.com’s 10 Questions to Ask When Buying a Used Car From a Private Seller or Consumer Reports test drive checklist. If you have a trusted mechanic. arrange for him or her to look at the car.

If you are buying from a dealer rather than an individual, see what your warranty options are.

Buying the Car

Do your research to get as good of a grasp as you can on your state’s car sale laws. We all know the truth to various stereotypes about the user-unfriendliness of the DMV, so this might not be easy. But a good scouring of your state DMV’s website should give you the information you need about paperwork, when you need to report to the DMV, and fees.

Make sure to get documentation of everything associated with the sale, and pay with a cashier’s check, not cash. If you didn’t get the car checked by a mechanic before, bring it by soon to make sure everything is okay.

Above All, Be Patient

Remember what I said at the beginning about feeling like there are infinite options? I wanted so many times to give up in some way to settle for a vehicle that wasn’t really what I wanted, to go out of my price range and get a loan, to break down and whine about the fact that I don’t live in a city with good public transportation anymore. But with some patience and research, I purchased a car that was kept in excellent condition and fit all of my criteria.

I’m thrilled about my new used car. I hope you enjoy yours too.

Do you have any other used car buying advice? Share in the comments below!