The Factors that Affect Car Insurance Rate

Auto insurance, which is important for drivers and car owners to help them pay the damages in case of an accident, is a legal requirement on all states, or at the very least, strongly recommends people to have this coverage.

According to auto insurance companies, the rate or premium of coverage will depend on several factors including:

• Age of the policy holder. Younger drivers, specifically teenagers, have higher premiums because they are more likely to encounter accidents and are more reckless drivers than adults.

• Gender. Statistics show that women are safer drivers than men. According to road safety experts however, the trend is slowly changing.

• The place where the policy holder lives. People who are living in congested cities have higher insurance rates than those who are living in suburban or less populated places.

• Marital status. Several studies suggested that married people, especially those with children, are more cautious drivers compared to singles.

• Car’s value. The more expensive the car is, the higher the premiums for the policy holder.

• Multiple cars. Many insurance companies give discounts for people who have insured their other cars to the same provider.

• The purpose of the vehicle. Insurance companies require higher premiums for vehicles used for commercial purposes such as delivering, touring customers, and transporting goods.

• Driving history. A good record means that a person is less likely to encounter accidents, thus, insurance companies require lower rates.

• Education. Usually, people with better education are offered with lower premiums.

• Credit rating. According to insurance lawyers, companies charge people with a higher premium if they have poor or no credit history.

• Auto theft protection devices and safety equipment. If drivers will install such devices, the premium (especially for the theft coverage) will be greatly reduced.

• Occupation. Several studies suggested that certain professions have a greater chance to be involved in a car accident. For instance, a delivery driver has a higher risk to accidents compared to a computer specialist who sits all day on his office.

• The total miles driven annually. People who often use their cars are more likely to encounter traffic accidents compared to those who rarely travel.

• Distance traveled from the house to work.

• Years of driving experience. People who have an extensive driving history with clean records (no traffic tickets and violations) will have lower insurance premium.

• Impressive school grades for teenage drivers. Some insurance companies provide discounts for teenage drivers who have good grades in their schools.

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How Keep Your Car Insurance Rates Low

Car insurance rates are calculated accounting in various factors that determine the “risk” of the driver.

A “high-risk” driver will have a higher car insurance rate while a “low-risk” driver will pay a lesser premium.

The factors that are considered for calculating your car insurance rates are:

• Age - According to studies, teen and elderly drivers are more likely to be involved in a car accident than other age groups.

• Car model – Insurance companies also consider the possibility of your car being stolen. A more expensive car is much more likely to be stolen than a simple car.

• Accident History – Involvement in previous accidents automatically makes you a high-risk driver. If you are liable for multiple accidents, some insurance companies may even label you as “uninsurable.”

• Location – If you are living in a highly populated area, your insurance rate will be higher as there is more possibility of being involved in an accident than in areas with a small population.

• Gender – According to statistics, males are more involved in an accident than females, giving them a higher car insurance rate. However, recent studies show that female related accident rates are catching up to men

These calculations may seem unfair to some, but it is the way it is and insurance companies are not likely to change its methods anytime soon.

The least you can do is to try and decrease your car insurance rates. The key to that is showing that you are a low-risk driver.

Here are some tips you can follow to decrease your car insurance rates:

Take a Driver’s Education Course

Although it is not required before getting a license, a driver’s education course could slash about 10% from your car insurance rate.

It will show that you are serious about being a responsible driver, and who knows, you might actually learn how to be a defensive driver after.

Buy a Safe Car

An expensive sports car is more likely to be stolen and an SUV is prone to rollovers. Buy a simple car like a sedan.

It will greatly lower your car insurance rates.

In addition, some insurance companies also give discounts for cars that are environment friendly.

Use One Insurance Company

If you insure your home and other properties together with your car with one insurance provider, you should receive discounts.

This also applies to multiple cars. Insuring all cars under one insurance company will lower your car insurance rate.

Add Safety Features to your Car

Safety features such as automatic seatbelts and side airbags will prevent or lessen injuries during an accident.

Less injuries means less claims for insurance companies, so it should lower your car insurance rate.

Add Anti-Theft Devices

Adding anti-theft devices and parking your car in a garage reduces the risk of your car being stolen.

The reduced risk of theft would reduce your car insurance rate. Discounts can reach up to 25 percent.

Those are just some of the ways to keep your car insurance rates low. The best way to keep them low, though, is to avoid accidents.

That is why it is important that you consult a car accident attorney if you are involved in one. They will help make sure that if the accident is not your fault, then the claim will be made from the liable party’s insurance company and not your own.

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Hostway Web Hosting Review

Hostway has been reviewed as the best hosting company especially for their shared hosting packages. The company has garnered ample popularity in the hosting industry for its cost effective and highly reliable hosting solutions. No matter what your hosting requirements or the level of your online enterprise; the company has a hosting solution that would perfectly match your needs.

The company was founded in the year 2001 and has emerged as a leader in hosting services, serving millions of customers and companies worldwide. The company has set itself in a league of its own by offering highly advanced hosting products and solutions coupled with professional and prompt services. In fact, many analysts believe that Hostway has revolutionized the hosting industry in a bi way and its success graph is consistently on the rise. The company offset a range of comprehensive hosting plans to its customers and has also developed highly advanced hosting programs and tools to meet the increasingly demands of customers worldwide.

The company offers an extensive range of hosting services and features including business web hosting http://www.hostingcoupons.org/, e-commerce web hosting solutions, emails, domain names, dedicated servers http://www.hostingcoupons.org/web-hosting/server/, web design services, website marketing solutions and much more. For most potential customers, choosing a web hosting provider is a rather daunting task. With Hostway, the work is almost a no-brainer as the company offers an -inclusive package coupled with comprehensive features and professional services. This is validated by the fact that Hostway is offering its services to over 400,000 customers worldwide and the figure is consistently on the rise.

The company focuses on offering its customer many value-added hosting features, tools and services as well as a superior support system. Furthermore, the hosting company endeavours to offer all this at an affordable pricing structure; thereby offering the much needed value for money hosting services. The company has its global headquarter in Chicago and their data centres are equipped with state of the art equipments and security mechanisms, therefore making the company highly reliable and professional. Another distinct feature is the utime guarantee offered the company. Hostway offers an uptime guarantee as well as compensation depending on the individual requirements of the customer. This way, they dedicate the required resources in order balance out the necessary uptimes.

It is important to note that any web owner should not only focus at building a simple web presence but rather aim at business growth by gaining access to reliable hosting technology and user-friendly tools and interface.

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Care Giving for Mesothelioma Sufferers

If you are a caregiver for someone with mesothelioma, you already know, or are learning quickly, how drastically your routines must change. Fortunately, there are seemingly endless sources of support for you as the caregiver, as well as for your loved one with this diagnosis.

Start with an Internet search to learn about mesothelioma (the disease, causes, treatments, care giving, support, options–everything you can find) and print out as much as you can. You won’t be able to remember it all. Make a file and organize it into categories so that you can easily find what you need when you need to know it. Then devise a plan to investigate each aspect of your care giving in an orderly manner. If you jump around from topic to topic, you’ll surely get confused, forget things and become overwhelmed. Make notes and file them with your topics.

Also, be aware that there are many sites that offer unreliable or biased information, so consider your sources carefully. One place to start might be the American Cancer Society where you can learn many facts about malignant mesothelioma and what you and your loved one will be dealing with. This will help you in giving support and caring for emotional and physical needs. As you meet with the medical team members, they can help you devise a care plan that includes caring for your own needs, as well.

You will need to find out what resources are available to you in your area, and which are covered by insurance, which by volunteers, which by support groups or local services. Meal delivery services for seniors and the disabled is one such service that could relieve you of meal preparation at least once a day. Remember that you will not only be taking care of both of your needs, but may have to carry out many requests to make your patient more comfortable. Requests such as bringing something to drink or snack on, something to read or do, change a TV channel and other small adjustments might begin to overwhelm you. Let your patient do as much for himself as possible.

Some of the things you’ll have to learn that are specific to your role as caregiver include:

• How to coordinate your care plan with your patient’s medical team’s plans. Decide who will take the patient to his or her appointments. List all questions ahead of time and make sure you are satisfied with the answers. Report all symptoms

• The specific type and location of mesothelioma your patient has and how it will affect him or her. This includes stages and treatments associated with different stages, and other options, such as clinical trials, and how each of these will affect both of you physically, emotionally, spiritually, socially and financially.

• Nutrition for mesothelioma patients. Your team will probably include a nutritionist who can advise you both of dietary needs at different stages of treatment, and ways to streamline meal preparation and shopping to reduce your work.

• Medications and supplements

• How to assist with activities of daily living, such as bathing, hygiene, dressing, mobilizing, changing a bed with someone in it, and especially assisting someone who is weak or in pain.

• Emotional support and understanding the emotions a patient and caregivers will experience. These can include frustration, anger, depression, hopelessness, euphoria, annoyance, exasperation, denial and many more that you are not accustomed to dealing with at this new level. Learn how to listen, don’t contradict or judge, and never disagree with your patient’s description of his or her emotions. Emotions are neither right nor wrong–they just are, and if your patient is feeling any particular emotion, that is the fact, though you might wish it were not. If your loved one is not ready to talk, wait until they are. They are losing control of almost everything in their life. Allow them to control what they need to express.

• Caring for your patient after treatment, which could be surgery, chemotherapy or radiation therapy, fluid drainage, or other less imposing treatments. Each type of treatment will require specific types of care.

• Caring for yourself is as important to your patient as it is to you, so include yourself in the care plan. If you burn out or injure yourself, your loved one has lost his or her primary caretaker. Know your limitations and seek help where you might otherwise push yourself.

Rest will be one of your greatest needs. Are respite services available in your area? These services provide people to cover for you for a day or two while you physically leave and take respite somewhere else.

Maintain your routines, hobbies, interests, social life, outside activities as much as possible.

Your loved one is not the only one suffering emotional pain. You will be, as well. Caring for another person 24 hours a day, seven days a week would wear anyone out. If you have someone who can relieve you one or two days a week, take advantage of the opportunity to refresh yourself.

Ignore those who are critical of your caretaking unless you and your patient agree that a change would be an improvement. If the two of you are satisfied, and your caretaking is going well, realize that there is just so much you can do. If others insist that more can be done, and you and the patient are open to this, suggest that they provide the missing care as you would welcome all the help you can get.

• Delegation and available support. List individuals and groups. What can they best offer in the way of help or assistance? Can you rely on them for regular help? Do you have alternate sources of help? Get them to commit to a schedule and to specific ways of helping so that you can plan and organize. If you have family, friends, or volunteer organizations, or if your patient qualifies for in-home care services, you can delegate many of your tasks. These can be anything from running errands, to light housekeeping, meal preparation, bathing and other assistance with personal hygiene (for the patient, not you.) You might delegate bill paying, shopping, laundry, or any number of duties that would free up your time and energy for caretaking.

• Are everyone’s affairs in order, including yours? Advance directives. Wills. Bills. Taxes. Licenses. Important papers. Important contact information. Does a trusted person know where these papers are?

• What if something happens to you? Do you have a backup plan to care for your patient? Does a reliable person know of your plan, and are they ready to carry it out, if necessary?

• Legal matters. You will want to seek counsel from an attorney with experience in mesothelioma cases. If you are eligible for compensation, you will have to file for this within time limits set by statutes of limitations. If you are entitled to compensation, this will provide financial assistance for medical bills, caregivers and other expenses, as well as other losses, such as income and more.

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