Six Ways to Slash the Cost of Young Drivers Car Insurance By Anthony Saxon

The high cost of young driver car insurance is frequently blamed on the fact that young drivers are statistically the most risky to insure. Figures from the Association of British Insurers (ABI) suggest that only 12% of drivers are under the age of 25 - but they are responsible for 30% of accidents. Insurers admit that they are often unwilling to insure young drivers hence the prohibitive cost of the policies.
However the industry realises that this approach is not ideal and is itself seeking ways to reduce the costs to young drivers. Pay how you drive schemes are being introduced that insure drivers based on their individual skills rather than their age bracket. In addition there are a number of simple steps you can take to reduce the cost of your insurance.

Six Simple Steps
Take a Pass Plus Course
Costing around £150 and taking six hours to complete this course covers advanced driving skills and some insurers will offer a 35% discount once completed.
Buy a Low Powered Car
These cars are considered less risky - and will be cheaper to insure whatever your age.
Avoid Modifications
Most insurers will add more to the premium for a modified car, for your first year at least avoid changing the specification of your car in any way.
Compare Prices
Use a comparison site to shop around.
Parking Matters
Parking off-road or in a garage when the car is not in use - this will make a difference to the cost of the premium and every little helps!
Drive safely
The better your driving record the lower your costs. After the first year of driving the saving that this can entail is significant and may well allow you to upgrade the car.

Lower Costs Around the Corner?
Not all insurers are offering a smart box to monitor your driving skills yet - although it seems likely they will become widespread in the future. Young drivers insurance premiums should be affected positively when this technology is widely available but in the meantime the tips above can save you some very significant amounts of money.
Telematics devices can not only save on your car insurance as they monitor your driving but are very useful for other reasons also such as:
Track the location of your car if it is stolen
Provide assistance in the result of an accident
Manage your claim after an accident
If you are a young driver and are looking to reduce your car insurance costs then follow these simple steps and you might be surprised how much money you can save.

Anthony Saxon is financial content writer currently working in the insurance industry for http://www.tiger.co.uk. Tiger is one of the leading car insurance for young drivers sites in the UK and our focus is to find the right insurance policy for the right price. You can compare over 140 of our insurance partners to find the best deal and save money.

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Competition in the Classic Car Insurance Market By Anthony Saxon

Assuming that old cars equalled unreliable and dangerous they overlooked some simple facts relating to cars and their owners. Yes, classic cars may need a little more maintenance than those straight off the production line, but for classic car owners this is nearly always part of the joy of owning them.
Possibly classic cars may be more liable to breakdown and need recovery services - but then few car owners use them for the daily commute or to nip to the shops in. Finally, classic vehicles may well be more expensive and increase in value unlike modern makes, but their owners are fully aware of this fact and are inclined to take security measures seriously.
Owners Attitudes
Luckily a range of specialist insurers did realise that these factors make classic motor insurance a viable risk. Accepting that the nature of classic car ownership tends to mean only occasional use, excellent maintenance standards and a pro-active attitude to security, a new range of specialist car insurer entered the market. The traditional mainstream insurance companies tend to notice when part of their market is eroded, the result being that today many now have specialist departments that cater to this niche market.

Special Circumstances
This, of course, has been good news for those seeking classic motor insurance. Not only recognising the fact that they tend to be good drivers and look after their car, but insures are now familiar with tailoring insurance policies to the specific needs of classic car owners and offer competitive car insurance.
Specific factors to check when comparing quotes from both specialist and mainstream providers should include:
Valuations: agreed at the outset and reviewable as your car is more likely to increase in value than devalue.
Rally and other event coverage: check if the policy includes this if you take part in events or rallies.
Suspension or 'laid up' periods: most classic car insurance policies should include some flexibility to cover the fact that your use of the car on-road is likely to be seasonal. Remember you need to make a statutory off road notification if you have the car off the road.

Monitoring the Market
With a wider range of insurers recognising the specifics of classic car insurance and a highly competitive market in the insurance industry in general it's now possible to find excellent value for money in the car insurance market.
Comparison sites will often include a number of specialist areas including classic insurance and should be thoroughly checked for the best deals available. As with any comparison shopping for insurance you should also consider regular reviews of the offers available on the market.

Anthony Saxon is financial content writer currently working in the insurance industry for http://www.tiger.co.uk. Tiger is one of the leading classic car insurance comparison sites in the UK and our focus is to find the right insurance policy for the right price. You can compare over 140 of our insurance partners to find the best deal and save money.

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Insuring Your Car For a Day By Martin Keen

Insurance for cars is something we all have experience with, every year our policies come up for renewal and we are reminded of this by letter from our current insurer. Often they will provide a renewal quote in the hope that it will be competitive enough to temp us back.
Often we will search the internet to see if we can get a better deal, often ending up at one of the online car insurance comparison sites. For most of us this is where the story ends, but what if we have slightly different insurance requirements. These days there are more insurance options to suit different circumstances and requirements. Some of the newer types of car insurance products include short term insurance that allows you to get insured for short periods of time.

One particular product is day insurance, this allows you insure yourself to drive a car or even a van for a day or anywhere up to 28 days. This type of policy is useful if you want to borrow another persons car to drive for a short period. You could also insure yourself if you are renting a car or if you are test driving a car for the day or weekend. You could have purchased a car for yourself or someone else and need to drive it home, this could also be a reason to use daily car insurance.

Another variation of this temporary insurance is monthly insurance, this is a halfway product between daily insurance and the standard full years car insurance policy. It allows you to get car insurance for a month at a time without any annual commitment. This means that you can insure your car for as little as just one month or as many months as you need. Unlike an annual policy there is no cancellation fee which you usually have to pay if you end a policy early.

Find out how you can get 1 day car insurance to drive a car or van for a day and protect your no claims at the same time. Visit http://www.1daycarinsuranceuk.co.uk.

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Information About Medicare Supplemental Insurance Coverage By Sherry McKelvy

Many individuals that are intending to enroll for Medicare Part B may not understand that Medicare supplemental insurance plans are quite important. Even when you're completely healthy, you will never know when a visit to the hospital, or the need for extensive diagnostic testing might leave you with thousands of dollars in medical bills. As might be anticipated, if you currently have chronic conditions such as being overweight, diabetes, hypertension, or high cholesterol levels, lacking a Medicare supplement plan could easily cost you way over you ever imagined possible.
No matter how you look at it, increased longevity still takes a toll on your body. This includes creating a higher risk of stroke, heart attack, cancer, and a lot of other severe ailments. Considering that Medicare only pays 80% of their contracted fee schedule for medical care, investing in an acceptable healthcare could be well beyond your budget in case you don't have Medicare supplemental plans to back you up. In fact, if you already have some health conditions, or know of illnesses which have a tendency to run in your family, obtaining Medicare secondary insurance could easily give you peace of mind even though you do not need to use the insurance instantly.

Even though the majority of senior citizens understand the rewards associated with signing up for Medicare Part B, far too many do not look for Medigap insurance or even Medicare advantage plans. Think about a situation in which you just retired, and now have Medicare for health insurance rather than the coverage you had at work. Do you recall when you can just go to the emergency room and pay a $50.00 copy? Sadly, with Part B Medicare, you would pay a lot more. Even if you only have one or two x-rays taken after falling, the total emergency room charge is going to run around $4,000.
In case you have not met your deductible of $110.00 for 2012, you could expect to pay around $910.00 for a single trip to the hospital. Needless to say, if you wind up being diagnosed with a critical medical problem, you may easily wind up with several thousand dollars worth of expenses in a very short time. In case you worked your whole life in order to pay off a mortgage loan and have a little bit of savings, it would be gone in medical expenses unless you get insurance plan to supplement your Medicare.

Today, countless individuals still look forward to registering for Medicare supplemental insurance plans for this coming year since it means they are going to finally have some kind of safety net in case they get sick. While Medicare truly does serve the needs of countless people, the rest of the 20% of medical expenses which get assigned to the patient tends to be too expensive. Without a question, if you're disturbed by the extreme escalation in the cost of healthcare services, then you owe it to your business to shop for Medicare supplemental plans to be able to protect your financial future and guarantee that you are going to be able to choose the types of care that you would like to obtain.

Medicare.gov provides information about the parts of Medicare, what's new and how to find Medicare plans, facilities or providers. Medicare Supplement Insurance fills the gaps in coverage that your basic Medicare Part A and Medicare Part B do not cover.

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Why You Need Health Insurance By Tony McCart

People have so many excuses for why they don't think they need health insurance. They're young or healthy or too poor-so they think, "Why bother?" Sadly for them, health insurance is one of the most important things in our lives, and it costs much more than money to not have it.
The Money
Not having insurance is a major gamble that you will eventually lose. You may think that you're saving a good deal by not spending it on health insurance, but every doctor's visit and prescription is a loss against your gain. The stakes are much higher than that, though. Every day, you have to dodge major illness and physical trauma or you'll lose big. A cold gone wrong or an accident caused by an uninsured driver can put you in the loser's circle by throwing you into major medical debt. The worst of it is that your now crushing debt would only be a small fraction of itself if you had the insurance company waiting to take care of the bill.

Your Health
People without health insurance end up having negative effects on their overall health, mostly because they either believe that they do not need medical assistance or they believe the cost is not worth it. Routine screenings and appointments fall to the wayside when a person is paying out of pocket. Even important things like prenatal tests and maintenance of chronic conditions are proven to significantly reduce when a patient pays for them on their own. When uninsured patients do actually go in for testing and maintenance of diseases, they often do not do so on their doctor's recommended schedule, which leads to a delayed response to any issue that might arise.

Your Life
The problem with all of the poor health that accompanies a lack of health insurance is that it can affect both the quality and length of your life. Being sick frequently genuinely makes your life a less-than-pleasant experience and can cause you to miss out on work, costing you money, and can cause you to miss out on the fun and important events of your life. Sadly, missing out on money and rewarding experiences isn't the only thing the uninsured miss out on: they also miss out on years of their natural lives. Studies have shown that the uninsured tend to live shorter lives than people with health insurance, which is no doubt a correlation between the care taken for their respective health by the two groups.

Tony McCart is the President of McCart Insurance. For decades, McCart Insurance has helped Georgia individuals and families to select their ideal Georgia health insurance plans, including plans from Coventry Healthcare of Georgia. McCart Insurance is a family owned and operated business with over 40 years of experience in the personal insurance field.

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How to Find a Good Bankruptcy Attorney By Chandra B Sekhar

Most people never take notice of advertisements by bankruptcy attorneys. This is because no one ever expects to find themselves one day having to file for bankruptcy. This is something that one never plans for. When you find yourself having to file for bankruptcy it is advisable to hire the services of a bankruptcy attorney. Individuals are permitted to file for bankruptcy without hiring bankruptcy attorneys. However, entities such as businesses, non-profits, corporations, education institutions and other such bodies cannot file for bankruptcy without hiring the services of bankruptcy attorneys. This is mandated by federal law in the United States and most other countries.
However, it is advised that individuals should not undergo the process of filing for bankruptcy without hiring the services of bankruptcy attorneys, even if they are entitled to go without. This is because bankruptcy is one of the most complicated areas of the law. Attorneys spend years training in their field, so it is not possible for an inexperienced individual to go through the process alone and guarantee themselves a favourable outcome. Even then, not just any bankruptcy attorney will do. Research is required to find a good bankruptcy attorney. It is best to hire experienced bankruptcy attorneys. They are more expensive than those that have just completed their training; however the extra fees are worth it. This is because it is better to pay the higher fees in order to secure a favourable outcome, than it is to pay small fees and have everything auctioned away to pay off creditors.

How does one go about finding a bankruptcy attorney?
As previously mentioned, not just any attorney will do. It is important to get a well-trained, highly experienced and reputable attorney. The first port of call when one thinks that filing for bankruptcy cannot be avoided is to find a bankruptcy to advise whether there are any other options that are still available. Attorneys have licenses to practice in the states in which they work. So in order to get a list of bankruptcy attorneys in a particular state or city one can get in touch with the local law association or society. They will be able to provide any information required. In fact, if one already has some idea of an attorney that they want to hire they can get in touch with the law association or society to find out if the attorney that they want has the necessary license to practice. This is very important because attorneys have to be licensed; attorneys who work without licenses are operating illegally in the United States.

One can also find bankruptcy attorneys using the internet. Use the individual websites of attorneys to find references and reviews from previous clients. This is one of the best ways to find out whether an attorney is competent in their area of work. In fact, good attorneys will have clients that are prepared to vouch for their professionalism and quality of service. So make sure that you request contact details for references from any attorneys that one is interested in hiring. When there is a shortlist of candidates to consider, it is advisable to find out their fees before hiring them. However, attorneys with very high fees are not necessarily the best. They could just be located in a very wealthy part of town. Similarly, attorneys with low fees are not necessarily bad. But, one must be careful not to hire attorneys with uncommonly low fees as they use this to attract business because they do not have good reputations. Once they have secured business, they will then charge their clients hidden fees.

The Bankruptcy Attorney will definitely help those people if they have filed for bankruptcy so that, the common people do not get over burdened with the debt which will be impossible for them to pay back.
Click here for Bankruptcy lawyer

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