What You Need To Know on Boat Insurance

This article hopes to give you the knowledge you need, to feel that you have a firm grasp on the subject.

Got insurance? I would like to originate by stating that I am an insurance agent/dealer certified only in the kingdom of California. I am not soliciting for dealings or making any consolations as to a particular guests or invention. This article is for informational purposes only. Laws, boating regulations and policies fluctuate from kingdom to kingdom and guests to guests. I counsel contacting an upright carter and agent who is memorable with the laws, regulations and carters of the region in which you reside.

It’s important to write that it is not a maintenance strategy and will not shelter erode and tear, deterioration, etc. sort, wet and dry rot, and fleas are also expelled from most policies. Then, floor panels, upholstery, picture, foam packing, etc. will not be sheltered in most bags. Many companies will suggest mechanical shelter age on new boats for an additional premium.

When shopping for nautical insurance, one desires to understand strategy kinds, shelter age frontiers and frontierations. Never, never, never cover your boat on your homeland lord’s strategy. Forever buy a freestanding boat strategy regard minus of rate. Then, if you should you experience a liability or health passing connected to the boat, it won’t shape your home. A boat is just a toy, but we all need a home. If the boat premium goes up or the strategy is lost after a passing, so be it. Moreover pay it or advertise the boat. Don’t gamble the passing of your homeland lord’s insurance strategy.

Ask yourself a few simple questions to determine if you fully understand the concepts that we have went over so far.

Plan Types

Arranged value or endorsed value

With this kind of strategy, both the covered and the insurance carter kingdom and allow on the merit of the hull and friendly hardware. Normally, merit is uncovered by dealer grip allotment on new boats and by NADA escort merits or dealer grip allotments for worn boats.

What is important with this kind of strategy is to start and detail merit proceeding to passing and pay the needed premiums. The hull and all friendly hardware have a track shelter age frontier. Should you add towers, bikini tops high-end stereo, weight logic or other accessories that are permanently affixed, it is important to make certain your hull shelter age comprises the merit of that substance.

Actual money value

With this kind of strategy, the insurance guests pays what the boat is value at the time of the passing. This means depreciation is an issue. The guests have the selection of replacing it with “like kind and home” or paying you the coins equivalent. This means that if they locate a sapient on the Internet, they have the selection of trade it for you or suggesting you an alike dough total.

Of the two, I rather an allowed merit or kingdom merit strategy is basis, in the answer of a passing, there is no arguing about the merit of the passing.

Exclusions and Deductibles

Got insurance? It is important to read the strategy tenderly to guarantee that you have all the shelter ages for which you are paying. Many companies prohibit certain indemnity such as injury from underwater articles or injury as an answer of freezing. Then, you want to get an “all gambles” strategy with the least exclusions potential.

Deductibles are regularly 2% of the hull merit, but can be raised to diminish the premium. A good nautical strategy has the preview planned separately with its own abstractedly, which can be as low as $100. Again, endorse that the shelter age is sufficient enough to swap any passing with like kind and home. This is especially loyal if you have a high-end preview.

Liability Types

Liability shelters home injury and special injury to everybody excluding the named covered and pressing family members. It defends the named covered and pays on behalf only if named covered is found prone. Opening control

Opening frontier liability shelter age follows the kind of shelter age you regularly see with vehicle mobile liability insurance. Few covers effusive understand this kind of liability.

For example, if your liability frontiers are 100/300/100, that means you have $100,000 in shelter age per qualities, $300,000 in shelter age per occurrence and $100,000 in shelter age for home injury. So if you have five passengers in the boat, you only have $300,000 in shelter age to gash between those five passengers. That’s only $60,000 each. So the more passengers on panel, the reduce the shelter age per qualities.

Protection and cover

P&I is the most everyday and regularly the cheapest kind of liability shelter age unfilled. P&I shelter age provides a track dough frontier for both liability and home injury pooled, which the carter will pay on your behalf. It comprises apology rates as well. Then, it doesn’t relevant how many passengers are occupied. The shelter age frontier can operate to one passenger or 10.

Towing Liability

Towing liability shelters something being pulled or towed behind a stirring vessel. For any strategy, towing liability is a must have. Be surely to endorse that this shelter age is comprised in your strategy. Never imagine that it’s comprised in the strategy be basis many companies prohibit this shelter age or dash more to comprise it.

Disaster military

Disaster military shelter age is comprised on many policies. This shelters reseller of immersed vessels or pranswerion of passing. It also shelters towing on the water and/or on the preview. Make surely this shelter age allows for towing help if on the preview. This is important in the answer of a vehicle accident or hinge or impact evils.

Pollution Liability

Pollution liability shelters shipshape up of fuel or oil in the answer of impulsive and accidental disease. This is fitting more important as many governmental agencies will invoice for shipshape up military after an accident.

Umbrellas

Got insurance? An umbrella strategy provides overkill liability shelter age. It will pay, on your behalf, for an occurrence for which you are deemed prone after all underlying strategy frontiers are exhausted. Every boat landlord should believe one. If you can present a “toy,” then you maybe have assets that need protection, such as a home, retirement procedure, impending inheritances, etc. Umbrella policies are inexpensive, regularly around $150-$400 per million dough’s of shelter age.

Health Coverage

Health shelter age pays for injuries to any qualities injured while on or in the covered vessel regard minus of omission or basis. The senior the shelter age, the better. I would counsel no minus than $5,000.

Navigation controls

Read the strategy tenderly and make surely you understand the navigation frontiers proceeding to signing it. Some everyday language are bronzed water (minus than five miles from coast and national) and desolate water (over five miles from land). Use of this language is regularly inside restrictions that are usually for vessel and sport fishing boats that journey into international (non-U.S.) waters. Most preview boat navigation frontiers are definite as “national lakes and waterways.”

Survey for kingdom and region frontierations as well. These are restrictions on where the vessel is sheltered. This is important if, for example, you live in California, but take your boat to Lake Powell in Arizona/Utah.

Lay Up time

The lay up phase is the phase of time in which you will lay the vessel up and not use it. This is regularly iciness. Many companies suggest discounts if you accept a lay up phase, but you need to be chary about intended your lay up phase time scaffold and make surely you don’t use the boat during that time. If you do, you may be lacking shelter age.

Commercial Use

A special boat insurance strategy is right that, special use. You cannot use it for dealings promotion, answers, instruction or charter whether or not a fee is dashed. If you abstract it from your taxes as a dealings article, then you usually need a commercial strategy.

Operators

Most policies name the hands of the vessel. However, the vessel is what is covered for liability, regard minus of who is working it. Companies just want driver names and experience for rating purposes. This is where the guests use relevant information about the hand to uncover a premium.

Endorsements and Certificate Holders

Got insurance? Many people belong to exclusive lakes and ski strikes and, then, are necessary to name the strike, lake clout, sponsor or other unit as an additional covered. If this is something you need or something you prophesy needing in the impending, ask if it is potential to name an additional covered. Be surely to ask what the additional premium would be.

Ownership

If you own an attract in a boat, be surely your name is on the label. You cannot cover or hoard your impart in the answer of a passing if you are not a registered landlord. You can be sued, however, as an unknown or silent landlord and have no apology shelter age under the strategy be basis you’re not planned.

When we begin to bring this information together, it starts to form the main idea of what this subject is about.



Source by Jerald Man

Affordable Health Insurance in the U.S.

Health insurance policies differ from country to country. Many affordable health insurance companies in the U.S. are very competitive, and this competition is beneficial for consumers. For selecting an affordable health insurance plan, you can rely on online quotes that are easy and fast. Privacy is the major issue for many consumers who prefer affordable health insurance quotes online. Most online insurance quote websites in the U.S. provide links to others, thereby hampering your privacy. Ensure that the personal information requested online by a health insurance company is used only to determine the customer?s benefits and options.

Most health insurance plans available in the U.S. are designed for individuals and families currently residing in America. Green card, H1, H4, F1 and F2 visa holders are also eligible for U.S. health insurance plans at affordable rates. The maximum limit of a U.S. health insurance policy is $8 million. The coverage options of U.S. health insurance plans include prescription drugs, dental, vision, pregnancy and child birth benefits. There are different individual health insurance plans to meet the needs of employers, labor unions and professionals, and the premiums for these plans are much lower than other policies.

Health insurance in the U.S. is flexible, affordable, guaranteed and renewable. Many insurance companies in America offer affordable health insurance plans and they allow consumers to choose their doctor, hospital and specialist. Many of these companies also provide high-quality health care insurance coverage. Most affordable health insurance companies in the U.S. only provide individual policies and not group or association owned plans. These health insurance policies provide lifetime benefits and financial protection.



Source by Jimmy Sturo

Tips on Buying Car Insurance

Auto insurers underwrite policies to evaluate the risk given to each insurance applicable. During this process, a person is grouped into a category, such as a high-risk driver, low risk, teenage or elderly. If this risk associated with the applicant is considered too high, the application could be denied coverage alike. After the results are calculated, the insurance carrier then gives a price, which is based on the perceived risk that driver poses.

1. This is also known as rating the driver

Insurers use this rating as a way to measure what it costs to insure a particular person if a claim is made and how likely claims would occur again in the future. This is often referred to as financial responsibility that an insurer takes on. The tip is to maintain a safe driving record and avoid traffic accidents and you will go a long ways towards getting cheaper car insurance.

2. Not all Insurance Companies Rate Drivers the Same

Many providers use the same general metrics but their algorithms that extremely determine rates are quite distinct. One of the largest factors that all insurers use in calculating premiums is the frequency of accidents. When a person files a claim, the insurance kicks in and accidents can cost many thousands of dollars, especially if there is a death involved. The more claims a person files, the riskier he or she is in the eyes of the carrier and more likely to file a future claim. Thus, higher rates are imposed on these at-risk motorist. To keep rates low, avoid incidents and filing claims and you will save a lot of money on auto insurance. If you have had accidents in the past do not worry.

3. Main Contributing Factors that Affect Auto Insurance Rates

* Driving Record: Auto Insurers will take a close look at how many citations and accidents you have been involved in.

Keep up a good driving record and watch your rates go down.

* The Location you live: If you live in the city, you can expect to pay more than if you live in a rural location with much less traffic.

* The Car you Drive: This is a very large factor that makes up rates. New and expensive luxury or sports cars have some of the highest insurance rates. On the other hand, used cars that are safe and cheap to repair have some of the lowest coverage costs. Get a boring used car and save on coverage.

* Marriage Status: Married people pay less for car ins because they are considered more responsible.

* Your Age: Drivers that are under 25 can expect to pay about double for auto ins. The sweet sport for the lowest rates is between 32 and 62 years of age.

4. Apply for all the discounts you can

A great and smart way to save on vehicle insurance is to apply for multiple discounts. If you have more than one vehicle, consider getting a bundled or multi-vehicle discount. You can also take a safe driver course and save about 5%. Other popular discounts are good student, military, and even teacher.

5. Shop Direct on the Web for the Cheapest Rates

The internet has literally taken over the world. It has also saved millions of people money on car insurance. Buying car insurance online is smart because you can find direct rate pricing that most brokers can not match.



Source by Mike Heuer

Car Insurance – Keeping the Premium Low

Car insurance in the city is almost always a must, if you want to make sure you have protection against pricey repairs for damage caused by an auto collision. Areas of high traffic often produce many more car accidents then more remote locations. Shopping around for NJ car insurance that will not drain your bank account is easy to do. There are many ways to keep the monthly payments low as well. The following list describes various types of discounts available.

Multi Car Discount

If you have multiple cars on the same policy, the first one is full price and each car added on after this one gets a discounted rate. This is an excellent type of discount when there are many cars to be insured. Sometimes, this is the only way a large family is able to afford insurance for all cars within the household.

Driver Courses

New drivers that have taken Drivers Education will get a discount on car insurance. Another way to receive discounts is by taking a Driver Safety Course or a Defensive Drivers Course. Both of these need to be approved by the Department of Motor Vehicles in New Jersey for them to qualify for discounts on insurance in NJ. These courses can also help to repair bad driving records caused by various traffic violations.

Car Safety Features

Many new cars have excellent safety features such as air bags, automatic safety belts, anti-lock breaks, and anti-theft devices fitted to the car. Insurance companies view these features as being worthy of a discount, since they can easily prevent more damage from occurring. For instance, if there is a collision that was enough enough to set off the airbags, then it must have been a fairly serious accident. If the airbags had not been in place, the insurance company would probably have been shelling out a lot more money in medical payments to the driver of this vehicle. Therefore, these discounts are sort of like a 'thank you' from the insurance company for purchasing a car that can extremely efficiently save them money as well.

Finding NJ car insurance that does not cost an arm and a leg is possible. As you can see from the information above, most car insurance agencies try to provide at least some form of discount for their policy holders. With all the discounts available for the safety features found on newer cars, it's more beneficial to buy a new model and get rid of that old clunker you've been insuring.



Source by Ted Kripps

Why Do We Gamble?

Let's start with a definition. What is gambling? Gambling is betting on something that may or may not happen in the future. When we gamble, we take a risk, choose an uncertain outcome, and bet on it. Gamblers bet on casino games, horse racing, and sports where the result can not be predicted with certainty. Some people will bet on anything. Remember the Seinfeld episode where Kramer bet on the arrival and departure times of airplanes at a New York City airport?

How is gambling different from buying stocks and bonds? Stocks and bonds are considered investments and not gambles because we can reasonably expect to come out ahead in the long run. They may be risky but not in the same sense as gambling.

How is gambling different from buying insurance? When we buy insurance, we are betting on something that may or may not happen in the future. We do not want to take the risk that it will happen, so we pay someone else (the insurance company) to take the risk for us. When we buy homeowner's insurance, for example, we are betting our house will burn down and the insurance company is betting it will not. (Of course we hope we will not win this bet.) This is not gambling because the risk can be calculated. The insurance company uses all kinds of statistics to analyze the probability of our house burning down and fixes the premium we will pay accordingly.

People have gambled since ancient times. However, society never approved of it because it was labeled an attempt to get money without working for it. Society believed that hard work should pave the way to financial success. It was not until the late 1960s that states (except for Nevada which had legalized all forms of gambling earlier) started to run lotteries to raise money for goodwill causes.

So why do we gamble even though we are illegally to win in the long run? We gamble for the exclusion of the uncertain exit. Some gamble to try to make their financial dreams come true. Some people gamble for entertainment or enjoyment, such as a night out with friends at the casino or a bingo game for a charitable organization or a lottery ticket. Some think they can beat the odds and make a living out of gambling. There are people who gamble because they simply love the challenge. They look at gambling as a game of skill or problem solving and they are sure they can win. Some like the environment or the thrill of a possible big win, or the adrenaline rush of taking a chance. Casinos allow us to socialize and pass some time. There are no clocks in a casino; We lose track of time; We forget all our troubles. It's like a therapy session! If we are timid, we can go to a casino and boldly take chances.

Occasional gambling may be a relaxing form of entertainment but be careful not to get addedicted. Addiction may lead to obsession. You may lose control and become so fanatical that you can ruin you life or suffer other catastrophic consequences. So if you gamble, be sure to set limits and keep to the limits you have set.

For more information about casino gambling visit my website .



Source by Joseph Starr

Tax Law Changes for 2014

Just like another year has come and gone, there is a handful of tax laws that will come and go starting on January 1, 2014. Some of the changes are due to expiration laws that were enacted in an attempt to spur economic growth during the most Recent recession – others were caused by new legislation, rarely the Affordable Care Act, or otherwise known as Obama Care.

The first and by far the most widely discussed tax law change is related to the new health care law. The main component of the law that will effect taxpayers is the individual mandate requiring individuals to purchase health insurance or receive a penalty. First and foremost, you will not be penalized for not carrying insurance until you file your 2014 tax return in early 2015, this goes for all laws that take effect starting in 2014.

But if you do not carrying qualified minimum coverage by March 31, 2014 you will start to incur a penalty that can amount to either $ 95 dollars per adult + 47.50 per dependent in your household, or 1% of total household income, whichever is greater. The cap of the penalty is annual cost of a bronze rated insurance plan for you or your family. As mentioned earlier, this penalty would have been collected when you file your 2014 return in early 2015 – via a refund reduction or an adjusted balance increase if no refund was due.

One common tax deduction that is going away will have an adverse affect on some teachers, this will cause a taxually increase during 2014 because Congress is not extending the tax deduction that allowed teachers to write off up to $ 250 dollars of their classroom expenses. Up until now, this deduction was considered above the line, or taking a deduction without itemizing. Since nearly 75% of taxpayers do not have enough deductions to itemize – this could have an impact on a number of teachers nationwide.

Another deduction that is going away is the PMI deduction. Since 2010, homeowners who pay mortgage insurance premiums have been able to deduct them together with the interest they pay on their home loans. This will be no more starting January 1. Homeowners who put down less than 20% during the home purchase process were required to carry this type of mortgage insurance. That being said, mortgage interest and real estate taxes are still deductible in 2014 as an itemized deduction – resulting in homeowners being able to deduct much more than if they rented their home or apartment.

One exemption that is going away but is not getting much attention right now is the primary residence cancellation of debt exclusion. Homeowner's in recent years, who had mortgage debt forgiven by a lender via short sale have been exempted from paying tax on the forgiven debt. This provision was passed to improve liquidity and stabilization in the housing market a few years back, but was not extended through to 2014. Going forward, troubled homeowners may possibly have to include forgiven debt as income in that given tax year. This could have a huge impact on the number of disturbed properties that change hands nationwide – and will dramatically increase the tax liability of homeowners who have all, or a portion of their debt forgiven.



Source by Robert Waldeck

Are You Willing To Bet?

If you won an all-expenses paid trip to Las Vegas, would you do any gambling while you were there? Yes, no, well maybe? When my daughter was maybe 16 or 17 years old (you probably remember that time in your life that you were almost an expert at anything) we took a family vacation to Las Vegas. We walked into Caesar’s Palace and she saw a sports car on top of a group of slot machines. The car was the grand prize to be awarded to the lucky winner on that series of slot machines. She promptly informed Mom and Dad that SHE was going to be that lucky someone.

One roll of quarters and three minutes later she told us, “Gambling sucks.”

Do you consider yourself to be like our daughter and want nothing to do whatsoever with gambling? Are you one of those people who think that you never, ever gamble? Well I hate to tell you this, but the insurance industry and insurance policies are built on a gambling premise.

You will be well served to remember this basic principle: The business of insurance is a bet. Insurance is nothing more than a large company (as is a casino), with a large balance sheet, playing the odds against you… on your health, risk of an accident, storm damage, theft, death or other potentially catastrophic loss. Insurance companies educate themselves in extreme detail on the odds of actually having to pay out money on a claim. From this data, they calculate how much they can charge you based on the possibility that you will file a claim, and they still will be able to make a profit!

When you own any kind of property, whether that property is possessions like furniture, clothing, an automobile or a house, when you purchase an insurance policy you are gambling. You are gambling your money every time you make a monthly premium payment. You are betting the premium amount that you spend that something unfortunate will happen to you.

The insurance company is betting also, they’re just not betting with their own money. Not yet, that is. They are betting with a promise! Their promise is that if you experience a loss, they will spend a little bit of their money to make things right for you. The thing is, the insurance company is like the casino. All the odds are stacked in their favor. They pay large amounts of money to actuaries, specialized number crunchers, to determine the odds of you winning the game (having a covered loss). You see, as far as the insurance industry is concerned, the only way you win as a policyholder is for you to lose and have to file a claim. If you don’t win, you lose (you lose your premium payments). If you do win, you lose (something bad has happened to you). What a great game!

If you don’t lose, you lose your premium money. If you win, the best that you can hope for is to break even by receiving the money that you need for your repairs from your insurance provider. Even then you can’t break even because of a little something known as a deductible. You really can only get to within a deductible of breaking even!

Whether someone wrecks your car, you have a major medical issue, or your house gets damaged, you, the policyholder, have to lose to receive any money from your insurance company. And here’s the real kicker! By using those number-crunchers and their sophisticated software programs, insurance companies know in advance just how likely it is that you will file a claim. If they determine that you are more likely to file, they increase the odds in their favor by forcing you to gamble with more of your money, as in charging you a higher premium.

Isn’t It Fun Playing the Insurance Game?

Insurance is a definite necessity in this day and age. We can’t just run out to the back forty and cut down some trees to rebuild our home. We can’t run down to the nearest auto assembly plant and grab a handful of new car parts to fix our own cars. Just please realize that insurance is a gambling game which is stacked against the policyholder. If you have purchased an insurance policy, and something unforeseen happens to you, don’t feel too bad for the insurance company. They set up the game in their favor and made you a promise. They calculated the odds and set the game up in their favor. They collected their premiums. Now they need to make good on their promise. They promised to take care of you like you deserve (minus your deductible that is).

Here is another thing the insurance company is betting on. They are betting that if something bad does happen to you, you will lack the knowledge required to get everything you are truly entitled to.



Source by Mark L Huey

Effect of Driver's Age on Insurance Rates of Personal and Commercial Auto Insurance Policies

The insurance business world is one of the very few places where age can be used to distinguish between citizens based on their age. Insurers assessment different charges for different people depending on their age. If you are a 16 year person and you feel that you are going to be getting a healthier premium than your 22 year old buddy because you are better committed than him or her then you are making a wrong analysis.

Insurers tabulate their insurance charges using 'brackets' or categories of consumers grouped together with certain common elements. These classes could differ based on a number of factors like age, marital status, gender, area, consumer credit rating etc. This essay is partial in its amount to the age element.

Young Operators Groups:

Below Age 18 : This is the age category where insurance price is the at record high. People in this age group pay as much as 175% to 225% more than mature operators. Since no one below age 18 will get a CDL, any operator below the age of 18 driving a motor vehicle that has business coverage may be risking declination of coverage in the event of an insurance claim.

Age 18 Years to 20 Years : Individuals are still classified as young drivers, and they still have to pay greater prices than mature drivers, although their premiums are much less than the previous bracket. At age 18 individuals can possess their CDL. Most insurers that may consider them will not even look at there insurance submission for policies that require interstate setup coverage. Companies that allow them to be on a business policy will restrict their insurance coverage to intrastate activities.

Age 21 to 24 : This is the last bracket in the classification of youthful drivers. Insurance premiums for private insurance begin to stabilize with most insurance companies, when compared with prices served to mature operators. Age 21 years is where many commercial insurance companies start to accept commercial auto insurance applicants with interstate bearing. All companies will put in special price extra charge for commercial operators under age 21 years, and some insurance companies may require a specific period of expertise like 12 to 24 months of experience to look into them for insurance coverage.

Mature Operators:

Age 25 years to 69 years : A large number of insurance companies make very similar prices for this age category, although a small number of insurance carriers begin to charge small build up in their premiums beyond 60 years. Age does not seem to be important for this class.

Old Drivers:

Over Age 70 Years: Unfortunately the insurance place is the once where the status of discounting senior citizens work in reverse. Senior citizens are surcharged in auto insurance. There are important studies made by insurance companies and the National Highway Traffic Safety Administration- NHTSA www.nhtsa.gov that suggest that individuals over age 70 years begin to lead to more traffic accidents. For that reason, insurance companies take certain measures to implement the right rate with the appropriate medical reports from them. Most business polices do not cover operators above age 71 or 72 years. On the individual insurance level, almost all companies stop selling newer polices for customers beyond 76 years of age, and other companies make the insurance price very excluding.

What else can be done to decrease the influence of age on promotions? There is not much that old and young drivers can do. Young operators and older operators are leading to more highway accidents, reliably speaking, and they must simply pay the price for that. Many insurance carriers accept good student discounts for younger student operators, and other companies may permit occasional operator status on their policy. For older drivers, making sure that you have the correct medical record that shows the physical and mental functionality of the old person to drive the car is wanted to give to the insurance representative. The absence of that note to be provided in a timely manner may end in ceasing the policy which may be complex to replace with another company afterwards.



Source by Edward Sneineh

As You Are Probably Already Aware, Auto Insurance Is Mandatory

Let’s go over the most important factors that will bring your rates down the most.

* Drive a Vehicle that’s Cheap to Insure

While this might seem like common sense to you, surprisingly many people spend days and weeks shopping for the right car, without ever considering the cost of coverage. Stay away from vehicles that are sporty with powerful V8 engines. This means Corvette’s, Porsches and other high-performance cars. Also, take a couple of minutes and review the most stolen car list. You might be shocked that boring cars like Honda Accord’s make this list every year. You will pay about 20% more for insuring one of these cars thieves target the most. Stick to a slightly used car like a Subaru Forester, and you will have a super safe ride that’s also cheap to insure.

* Maintain a Good Credit Score

Carriers are putting a greater emphasis lately on a person credit score. The better your credit rating is, the less you will pay for coverage. The reasoning behind this is of course risk. People that are less risky financially are more likely to be more responsible drivers and not make reckless driving decisions. If you have a low score, take moves now to get it higher and also make sure there are not false items on your report that are dragging it down. Shoot for a credit score of 700 or more and insurers will offer you some sweet deals.

* Live in a Rural Area

If you are thinking of moving out of the city, then you might be pleasantly surprised that you can save more on auto insurance. Big cities that are congested naturally have higher rates because there are simply more cars on the road, which increases your chance of getting into an accident. Do a bit of research online, and you can save hundreds.

* Increase Your Deductible

This is a very easy tip that you should strongly consider and is something you can control 100%. Setting your deductible to a higher level, $1,000 or more, will save you on average about 10%. The catch is you will need to save all of this amount in case you do get into a crash and file a claim. If you have a really old car, older than 10 years, it’s not worth getting a high deductible because the value of your car might only be $2,000 or $3,000. On the other hand, if you have a new vehicle, you will be paying more for coverage, so this is a great way to get a price break.

* Drop Useless Coverage

If you are in the market for automobile insurance, then take a look at your old policy. Read it carefully and go over each item. Do you see any coverage that was not needed? If so, when you apply for future quotes, get rid of unneeded add-on items. For example, if your credit card company already has you covered for rentals, you do not need additional coverage from your carrier. The same goes for towing and roadside assistance if you have a plan with an A³ plan. Get the coverage you need and nothing more and save your hard earned money.

* Get as many Discounts as you can

Insurers want your business, and a common incentive most use to lure you in, are discounts. Most providers have multiple discounts available. Your job is to take advantage of each one you qualify for. Some of the offers vary but can be anywhere from 5% to more than 10%. Here a few of the most common.

1. Safe Driver

This means no or very few tickets and no accidents on record.

2. Low Mileage

If you drive fewer than 1,000 miles monthly, you can qualify.

3. Military

If you are currently an active military member of vet, you can save about 5%.

4. Good Student

Students who have and maintain a B or higher G-P-A can get discounts up to 10%.

5. Multi-Car and Home Bundling

Insurers want your business, and you can save some serious dough by bundling all your vehicles and home together with one company.

6. Enhanced Safety Features

If you have special safety enhancements on your vehicle like dual airbags, anti-lock brakes and a GPS-based security alarm, you can qualify for a big discount.



Source by Mike Heuer

Good Hospitals in Addis Ababa, Ethiopia

Addis Ababa is the capital of Ethiopia and it is a major trade, commercial and industrial center. The African Union and United Nations Economic Commission for Africa are headquartered in this large city. It has several tourist attractions, offers many luxury services and is often referred to as ‘the spa capital’ of Africa.

In general, the medical services of Addis Ababa are underdeveloped. Though there are a number of hospitals in the city, most of them lack required facilities and only a select few are able to deliver good medical services.

Leading Hospitals in Addis Ababa

Saint Gabriel General Hospital is a major hospital in Ethiopia. This health care center, with full-fledged outpatient and inpatient departments, is well known for the services of eminent physicians and a dedicated nursing staff. This modern medical center came into existence in 1995 and has introduced many technological innovations to the nation. It has acquired the Century International Quality Award and provides effective clinical and diagnostic services in all main specialties of medicine. The cardiology department has equipment to conduct stress tests, echocardiography and pacemaker implantations. Modern departments for dental care, physiotherapy, and psychiatry are available for patients. The up-to-date surgery department has units in basic specialties and is well known for laparoscopy. With a well-equipped laboratory and radiology department, the hospital offers services to about 21,000 persons annually. Saint Gabriel General Hospital offers healthcare for staff of companies and organizations and has services with English-speaking staff for foreign communities. The emergency center is well equipped with an ambulance and medical evacuation facilities. Warm accommodations are offered in spacious private rooms equipped with modern amenities. Facilities like pharmacy, gift, flower and mother and childcare shops and restaurant are also available. Saint Gabriel General Hospital is a major center for medical training and research in the country. The hospital is currently undergoing an expansion programs. Telephone: 251-1- 62-14-22

Myungsung Christian Medical Center is located at Kebele 11, Addis Ababa is another well-known hospital in the city. The Myungsung Presbyterian Church of Korea founded this modern hospital in 2004. This center is on a 90,000-meter square compound and is better known as the Korean Hospital. It was built in memory of the Ethiopian soldiers who fought in the Korean War. The patient-centered hospital provides some well-known physicians and good health care services in all major areas of medicine at an affordable price. Myungsung Christian Medical Center pioneered neurosurgery and many other surgical procedures in Ethiopia. It provides a 24-hours emergency service unit, laboratories and radiology department. The hospital is an important center for medical training, particularly in surgical procedures. It currently is conducting a $10 million expansion project. Telephone: 629 5421

Swedish Medical Clinic is a notable hospital and is located at W21-k5-House #453 in Addis Ababa. The Swedish government founded this medical facility in 1967 under an agreement with the Ethiopian government. Effective health care services to expatriates and visitors are provided by this clinic at European standards. InDevelop, a Swedish consultancy group, is currently managing this medical facility. The hospital has many experienced foreign physicians who speak various languages, including English. It delivers good care in all major medical areas. The clinic conducts several vaccination programs for children as well as antenatal check-ups. Swedish Medical Clinic cooperates with many well-known hospitals and insurance companies in foreign countries and refers patients, if required, to foreign hospitals. Its pharmacy stocks many quality drugs and vaccines from abroad. The laboratory is well supplied to conduct various tests and the emergency department is suited to attend to critical medical emergencies. If needed, medical evacuation is also available. Telephone: 171 9002



Source by Belle Kay