Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

How to Choose Your Ultimate Shoes That Will Get You Oozes of Compliments a Day

Buying the right shoes is an investment.

An investment in your foot health, but not just!

It’s also an investment in yourself, your look and the presence you project.

Why?

Because the shoes you wear say a lot about you.

They reflect who you want to be and what you want to show the world.

Different shoes will distinguish you,

Redefine you,

Tell a lot without saying a word.

We all know our self-image also depends on what we wear, and we change it,

And we can change how others perceive us.

But how can we find the right shoes to match our feet as well as our nature?

When you buy new shoes:

- Wait until the afternoon to try on new shoes – your feet tend to swell during the day, especially when it’s warm outside.

- Put on the right pair of socks, comfortable enough to wear with shoes.

- Our body is unsymmetrical, and often, one foot is slightly bigger than the other. Buy the shoes that fit well with the bigger foot.

- Always try out both sides, right and left. Finding out, much later that one side fits well, while the other is extremely painful, is not a great idea.

- Walk around. See how you feel. Enough room for your fingers? Check there is enough distance between your longest toe, and the tip of the shoe.

- If you’re not comfortable, do not presume the fit will improve in time. Find the shoes that’ll perfectly slip on your feet and make you feel wonderful from the second you put them on.

- Feel the inner part to check if any stitches or bumps might cause inconvenience, irritations or blisters.

- Test the soles. Are they strong enough to protect your feet? Try walking on solid, rough surfaces to see how resistant the soles are.

So, now that you know how to pick the right shoes without compromising on your comfort, it’s time to pay attention to design.

Here are a few style-selecting tips to add that life-changing presence:

How to choose your ultimate shoes that will double your presence in life and get oozes of compliments a day and remind you how special you are.

- Pick the shoes that will match your look and challenge your personality. Encourage a profound change in your style.

- Choose unique colored shoes that will fit your wardrobe and wonderfully upgrade your overall appearance. Colors add freshness and vibrancy.

- Pick the shoes with that intriguing design. You will probably be the only one wearing them in miles. Careful. Unique shoes draw the attention of complementing strangers in the street.

Prepare for ‘where did you get those.’

- Pick the shoes with quality, strong soles, and soft body, because when you’re comfortable, you’re beautiful.

- Search for hand-crafted shoes and feel proud supporting local manufacturing.

You can’t miss fine craft. Quality radiates with the prestige that declares who you are and what interests you.

- Keep away from overused trends. Purchase shoes you can wear for years.

Trying the Free Online Game of Medievia

If you have not heard of it there is a game called Medievia which is an online game for people to play. The game is what people call a MUD which is short for Multi-User Dungeon or in a short a large online multi player RPG. Generally speaking these games are text based and Medievia fits this perfectly. A simple way to put is probably a pure text based version of a game such as World of Warcaft or the online version of dungeons and dragons. The game dates back several years all the way back to 1991 and people have played it ever since then.

The game is very simple being in the same vein as dungeons and dragons or a similar game you simply choose a class at the start of the game. Your choices are Thief, Warrior, mage and Cleric. It plays like your standard RPG game except everything is done completely by text. It’s rather difficult to expand on the true depth of the game but I’ll try to give a basic idea. At the start you do your usual things in most RPG games. You explore dungeons, kill monsters, level up and collect gold. However once you begin to level up the number of things which you can do increases rather dramatically.

So far the only class I have played in depth is the Cleric which I’ve managed to level all the way up to upper twenties, your max level is thirty two. Some of the reasons why the game can get so in depth and complex is because once you reach level thirty two things aren’t actually over, just like any good multiplayer RPG. Once you reach this level you have the option to become level one, keep all your old skills or magic, and begin all over again as a new class which essentially allows you to multiclass. On top of this there are a new endless number of dungeons, zones, towns and cities to explore all which have NPC characters who are a part of the story of the area.

They can give you quests which can reward you with experience gold or other things. There are dozens of clans you can join to network and play with other players or you can even do things such as buy items and take them in a caravan to sell at other towns. You can ride horses, dragons, buy a home, get married to start your own blood line and have children, these children then become playable characters which you can give to other people and you can do other things such as buy your own ship or start your own business. So it’s hard to truly put in perspective everything which you can do in this game. I’ll be honest that I haven’t personally gone as deep into this game as you can or as other people have. However I have been playing the game on and off for several years now.

I’ve been in lots of dungeons and zones, gone on trade routes, joined clans and overall just had a lot of fun. The nice thing about this game is that it’s very much no pressure if you choose to do it that way. Like I said I’ve been playing the game on and off for years now and I’ve never had to worry about my account being deleted no matter how long I left it idle. The game is very intuitive with most commands being what you would expect, typing S makes you move south, N makes you move North, rest makes you sit down and rest, etc. As you can guess since it is a game it is somewhat limited on what you can do but the game creators have expanded it so much that there are very few limits on everything. As an RPG it plays extremely well giving you all of the usual stats which such a game needs.

You have health (HP) mana for magic, stamina for movement, vitality which you need to sleep to restore and you need to eat when you’re hungry and drink when you’re thirsty. The game has a huge player base many of which are very active and the more active clans are usually looking to have new members join and they are more than willing to help you out. MUDs in general are good games and this one is a very good example of a well done MUD. Being so large and in depth the fact that they keep it completely free for anyone with an internet connection to play is nice.

You can play it in a browser but the free application which you can download and install to play it works much better. For people who have extra money they do have the option to donate money which results in special items which can help give you an edge in the game. The game also has simple maps to help give you a small visual idea of what you’re playing which almost makes it feel like a nice text based game/story. The thing which I like most is how you can be a regular player or a more casual player like I am.

This is nice for me because when I’m in the mood I’ll play the game and when the mood passes I’ll let it be. I know that my account will always be there for me when I come back and there’s no requirements for how often I need to be around. If you really like RPG games, something which you can play with your friends, and you are looking for something which is completely free then I would try out this game. The fact that you can play it on something as simple as a dial-up connection is nice as well. So if you have the interest and time I would suggest checking out the online game of Medievia.