Securing Cheap Auto Insurance Is Easier Than It Seems

Securing Cheap Auto Insurance Is Easier Than It Seems

by

Lara Sawyer

The hunt for cheap auto insurance usually involves filling out a lot of quote request forms and then studying what responses come back from insurance companies. But there is another way to reduce insurance premiums. That is to take advantage of the wide range of discounts that are available.

Seeking discounts is basically the same as seeking the best bargain price, but drivers can actually increase the number of discounts they qualify for by adhering to high standards in driving and car care. In fact, securing insurance discounts is a continuous process.

There are some simple tips that, if followed, can help greatly in securing auto insurance with lower premiums. From shopping around to asking about what offers are available, lowering premiums is very possible.

Seeking Out Deals

Shopping around for the best deals is a cornerstone of finding cheap auto insurance. But the Internet has made the task a lot easier than it once was. As the most effective resource, it is easy to sift through the various policies available from insurance companies.

[youtube]http://www.youtube.com/watch?v=FtEp5yc-g3A[/youtube]

But there are two tactics that can be used. The first is to search via search engines, with comparison sites allowing for fast offer identification. In fact, when it comes to securing insurance discounts, this is the quickest route to finding the best deal on offer.

The second is to visit the websites of the insurance companies themselves. This is a more laborious option, but is much more thorough. So while this takes time, the most suitable auto insurance policy can be found. Also, questions can be asked directly of companies on their website too.

Maintaining Standards

Maintaining standards deals with two specific areas: firstly, the quality of driving that is done; and secondly, the standards to which the vehicle is maintained. Both of these areas show signs of maturity and responsibility, and these can lead to securing cheap auto insurance.

The most worthwhile of the two is proving a quality of driving. Good drivers are offered the best benefits, so there are great savings to be made. Not having a history of accidents, speeding or poor parking, means that the driver is low risk so the policy is available at cheaper rates. It also means securing insurance discounts is easy too.

The security status of the car is important too, with the lower the possibility of the vehicle being stolen the better the terms of the auto insurance policy. So features like secure parking or a private garage can lower the premium, as can the inclusion of a central locking system and an immobilizer.

Request Discounts

It is always worth noting that when a quote is given, not all the details are provided. A quote is a general overview of the policy and what it costs, but there are features that are not mentioned. This is where requesting the availability of specific discounts is useful. Insurance companies do not want to grant cheap auto insurance if they can help it.

Sometimes it is even possible to secure a discount purely on the basis that the chosen policy plan is slightly above your budget. In fact, is it often the best way of securing insurance discounts, with negotiations leading to significant reductions. Remember that the insurance company needs to have customers to increase their profits, even a reduction of $20 per month makes securing your signature worth it.

From the point of view of the policyholder, even if specific requests are needed to secure affordable auto insurance (even cheap insurance), then it is worth the effort for them too.

Lara Sawyer is the author of this article. She works successfully as a financial on

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Securing Cheap Auto Insurance Is Easier Than It Seems

NFL: Packers defeat Lions 31–21, Lions become first team to finish season with 0-16 record

Monday, December 29, 2008

The Green Bay Packers defeated the Detroit Lions on Sunday evening by a final score of 31–21, effectively ending the Lions’ season with an 0-16 record. The game was played at Lambeau Field in Green Bay, Wisconsin and was televised by Fox in the United States. Kickoff was at 1:00 p.m. EDT. The Lions became the first National Football League franchise to complete an “imperfect season” (without a victory) since the introduction of the 16-game schedule in the 1978 NFL season. The winless season comes just a year after the New England Patriots did the reverse, accomplishing the NFL’s first “perfect” 16-0 regular season.

After trailing the game 14–0 entering the second quarter, Detroit rallied back to tie the game at 14 by the end of the third quarter. The Packers took a 10-point lead halfway through the fourth quarter with a field goal by kicker Mason Crosby (Green Bay 17 – Detroit 14) and then a touchdown pass from quarterback Aaron Rodgers to fullback John Kuhn (Green Bay 24 – Detroit 14). The Lions fought back with a rushing touchdown by Kevin Smith which left Detroit within three points of tying the game. However, just 11 seconds later, the Packers took possession and Aaron Rodgers completed a 71-yard touchdown pass to wide receiver Donald Driver (Green Bay 31 – Detroit 21). The Packers held on to the lead for the remainder of the game to seal their sixth victory on the season.

Lions quarterback Dan Orlovsky was 22-of-42 for 225 yards with two touchdowns and two interceptions. Calvin Johnson led the Lions in receiving with 102 yards and touchdowns. Kevin Smith led the Lions in rushing with 92 yards and one touchdown.

For the Packers, quarterback Aaron Rodgers was 21-of-31 for 308 yards and three touchdowns, and running backs Ryan Grant and DeShawn Wynn rushed for 106 yards each. Wide receivers Donald Driver and Greg Jennings led the Packers in receiving, both tallying over 100 yards.

Prior to the Lions’ loss on Sunday, the Tampa Bay Buccaneers were the only franchise since the 1970 AFL–NFL merger to finish a season without a victory or a tie. The 1976 Tampa Bay Buccaneers finished their season with a 0-14 record. It was the Buccaneers franchise’s first season in the NFL. Tampa Bay also lost the first 12 games of the 1977 season, and the team’s 26-game losing streak is still the longest in NFL history. The 1982 Baltimore Colts were the most recent NFL team to not win a game in their respective season, failing to win in the strike-shortened 1982 season, posting an 0-8-1 record.

Scoring summary
Qtr Team Time Scoring play Extra point Score
1 GB 09:02 Wynn 73 yard TD run Crosby kick GB 7–0
1 GB 01:33 Finley 3 yard TD pass from Rodgers Crosby kick GB 14–0
2 DET 11:22 Johnson 9 yard TD pass from Orlovsky Hanson kick GB 14–7
3 DET 10:28 Johnson 14 yard TD pass from Orlovsky Hanson kick Tied 14–14
4 GB 13:38 Crosby 36 yard field goal GB 17–14
4 GB 08:40 Kuhn 5 yard TD pass from Rodgers Crosby kick GB 24–17
4 DET 07:38 Smith 9 yard TD run Hanson kick GB 24–21
4 GB 07:27 Driver 71 yard TD pass from Rodgers Crosby kick GB 31–21

The Lions’ loss was closely watched by some members of the 1976 Buccaneers team, including defensive end Pat Toomay. Toomay told reporters, “I would like the torch to be passed…At the same time, you don’t want to wish that on anybody.” Toomay also pointed out that although the Buccaneers lost every game in their inaugural season, the team reached the NFC Championship Game in their fourth season (1979).

Steve Spurrier, the quarterback for the Buccaneers in the 1976 season, voiced his support for the Lions in their quest to win their first game of the season, hoping that only the Buccaneers would hold the distinction of finishing an “imperfect season.”

“I want that record,” Spurrier said. “I’m pulling for them, sure,” Spurrier added. “That’s the American thing to do, isn’t it?”

Entering the game, the Lions were 10½-point underdogs against the Packers in spread betting. Lions tackle Gosder Cherilus likened the team’s chance to avoid the 0-16 finish as a championship game. “It’s our Super Bowl,” Cherilus told reporters on Friday, December 27.

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The Lions surpassed the 1980 New Orleans Saints with their 15th consecutive loss on December 21 to become the first team in NFL history to lose the first 15 games of the season. The 1980 Saints lost their first 14 games, but won their 15th game against the New York Jets.

The closest margin that the Lions came to within victory was two points, which came against the Minnesota Vikings on October 12. Minnesota won the game by a score of 12–10. The 1976 Buccaneers suffered five shutout losses (in which they did not score a single point) in their winless season. The closest that the Buccaneers came within victory was a 23–20 loss to the Miami Dolphins on October 24, 1976.

Prior to the regular season, the Lions won all four of their games in the exhibition season, which do not count in regular season standings or totals.

While the loss didn’t come without a fight from the Lions, players from the team knew that they would be forever remembered as possibly the worst team in NFL history. “I’ve got to live with this,” Lions center Dominic Raiola said. “I’ve been here eight years. This is on my résumé.”

“I don’t ever want to be a part of this again,” Lions quarterback Dan Orlovsky said. “We haven’t won since, November of ’07, maybe? I don’t even know the last time we won a game.” The franchise’s last victory in the regular season was on December 23, 2007 against the Kansas City Chiefs.

Packers players were just as eager for a victory. Green Bay’s quarterback Aaron Rodgers said while their own season was disappointing, they didn’t want to be forever remembered as the team that lost to the 0-15 Lions in the final game of the season. “We didn’t want to lose, no, we didn’t,” Rodgers said. “But really it’s not on your mind once the game starts. I didn’t even think about it until the fans started chanting in the fourth quarter. They played hard, they really did.” Packers fans in attendance at Lambeau Field began to chant “0-16” late in the game.

With their victory, the Packers finished their 2008 season with a 6-10 record. With the loss, the Lions finished their 79th season since their inception as the Portsmouth Spartans in 1929. It was the Lions’ 75th season in Detroit, Michigan. The franchise also secured the first-overall selection in the upcoming 2009 NFL Draft, a spot reserved for the NFL team with the worst record from the previous season entering the upcoming season.

After the game, Lions head coach Rod Marinelli declined to comment on his future with the team. Since being hired in 2006, the Lions have had a 10-38 record under Marinelli. The Lions have averaged 11 losses per season since 2001 and now have lost 23 of their last 24 games. The 0-16 record could be a lasting testimony to the Matt Millen era. With Millen as president of the team from 2001 until he was fired on September 24, Detroit won only 31 games. Millen was widely criticized for his handling of the Lions organization, and Lions fans rallied to have him relieved of duties for years.

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British Government warns against tax breaks for Scientology

Thursday, October 21, 2010

The new British coalition government has warned local authorities in the United Kingdom not to provide tax breaks to branches of the Church of Scientology. After an investigation by The Guardian newspaper revealed that several local authorities have granted Scientology tax breaks worth over a million pounds, Secretary of State for Communities and Local Government Eric Pickles intervened to urge councils to end the practice.

Pickles noted in a statement that Scientology was not officially recognised in the UK as a religion or a registered charity and was not eligible for tax relief. Pickles commented, “I do not believe the majority of the public would want their own council to be giving special tax breaks to such a controversial organisation.”

I do not believe the majority of the public would want their own council to be giving special tax breaks to such a controversial organisation.

The minister’s intervention followed the disclosure by The Guardian that at least four local authorities have given Scientology lucrative tax discounts on branches in their areas. These included:

  • The City of London Corporation, which gave an 80% tax exemption worth £1.3 million to the flagship Scientology centre in the City of London. The corporation justified the exemption on the basis that Scientology could be considered to be a charity either for the advancement of religion “or other purposes beneficial to the community”. It said that it feared being sued by the organisation if it discontinued the exemption.
  • Westminster City Council granted 80% rates relief to the Scientology Celebrity Centre in the Bayswater district of London. This saved Scientology £165,303 over the past ten years, though as of July 2010 the centre is no longer in use. The council determined that Scientology was a “non-registered charity” that is “beneficial to the community”.
  • Birmingham City Council awarded the Church of Scientology Religious Education College an 80% tax discount on the grounds that the property was an educational institution.
  • The City of Sunderland gave the Church of Scientology’s branch in the city tax relief worth £30,000 over five years.

Camden London Borough Council refused to disclose whether and how much tax relief had been granted to the Scientology branch in the London Borough of Camden. Other local authorities, including Manchester City Council and Mid Sussex District Council, said that they charged Scientology the full commercial rate.

In response to The Guardian report, Eric Pickles issued a statement saying that Scientology should not receive privileged tax status and did not deserve to do so, “Tolerance and freedom of expression are important British values, but this does not mean that the likes of Church of Scientology deserve favoured tax treatment over and above other business premises. The Church of Scientology is not a registered charity, since the Charity Commission has ruled that it does not provide a public benefit. Nor are its premises a recognised place of worship. Councils may award charitable relief. They should take into consideration the Charity Commission’s rulings when weighing up whether to do so. I do not believe the majority of the public would want their own council to be giving special tax breaks to such a controversial organisation.”

Scientology is very popular with those who have visited our churches…

The controversy was the latest in a series of disputes involving Scientology’s tax status in the UK. Scientology is not officially recognised as a religion. The Charity Commission for England and Wales rejected an application in 1999 by Scientology for charitable status, ruling that its activities did not meet the “public benefit” test. However, in 2000 Scientology obtained exemption from Value Added Tax (VAT) on the grounds that its services were educational and non-profitable. It successfully sued HM Revenue and Customs for the return of £8 million in overpaid VAT.

A spokesman for the Church of Scientology told The Guardian, “Scientology is very popular with those who have visited our churches, met with Scientologists and observed or utilised our numerous community activities that effectively address drug abuse, illiteracy, declining moral values, human rights violations, criminality and more. Local council authorities, government bodies in this country and many others, and the European court of human rights have all recognised the religious nature of Scientology or the fact that Scientologists are actively helping those in their communities as a direct reflection of their religious beliefs.”

Birmingham City Council told the local Sunday Mercury newspaper, “We have noted Mr Pickles’ comments and will take them on board.”

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Registered Disability Savings Plan A Lucrative Saving For The Disabled People

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People living with disabilityhave no more to suffer due to financial crunch in their old age. Yes, it hasbecome possible because of the attractive and beneficial saving plans launchedby the Canadian government that will directly help to the needy people. Now,you do not have to worry about the well being of your near and dear ones havingsymptoms of different types of disabilities. The Registered Disability Saving Plan(RDSP) is one such scheme by the government that has enough potential to give afinancially safe and secure future to the disabled people. This is really arevolutionary step by the government that covers all those disabled people whoaspire to live long life comfortably and never feel desperate due to lack offinancial resource.

This saving plan demandscertain criteria on be half of deprived people that could ratify their longterm disabilities. Some of its basicrequirements count, such as their age should be under 60, they should hold theidentity of Canadian citizenship with Social Insurance Number (SIN), and theyshould be eligible for DisabilityTax Credit. If they fulfil these basic terms and conditions then they canapply to avail the registered disability savings plan. Since it is a long-termsaving plan, eligible people should be prepared for accordingly.

The RDSP possess the upperlimit cap of $200,000 that can be contributed in a lifetime, but no limit onthe annual contribution. Under the Canada Disability Saving Grant, governmentdeposits money for RDSP and provides maximum $3,500 to each disabled person. Aneligible person would find up to $1,000 a year from government with acontribution limit of $20,000 over his or her lifetime. After all much benefitdepends on what sorts of disability you have and how you apply to avail savingplans.

Sometimes, one can miss theadequate support provided by the government due to lack of proper informationand guidance in the claiming process. In this regard there are someorganizations which are doing really admirable job. These authorities have anumber of experts and legal advocates to guide you and scrutinize yourdocuments properly which in turn will decide whether you really deserve toavail benefits. Some of them have shown an impressive track record in the counselingjob, so you can utilize their assistance to claim your position for theregistered disability savings plan.

For more information regarding: registered disability savings plan, disability,disability tax credits. Please visit: http://www.thenba.ca

Police station attacked by car bomb in Basque Country, two officers injured

Friday, August 24, 2007

A police station of the Spanish Guardia Civil was attacked today Friday by a car bomb in the Basque city of Durango, injuring two policemen. It is believed to be the first serious attack of the separatist group ETA since it unilaterally ended a cease-fire in June. The blast caused serious damage to the police barracks in Durango, shattering windows and damaging police cars parked outside. Several nearby apartment buildings were also damaged. Police sources believe the bomb, estimated to contain between 80 and 100 kilograms of explosives, was detonated remotely by one of the two attackers who fled in another vehicle. Another car exploded about one hour later in the town of Amorebieta, possibly the one used by the activists to flee.

ETA detonated two small explosive devices on July 25 along the route that the Tour of France used when the race dipped into northern Spain for a few hours.

ETA called the cease-fire in March 2006, but grew frustrated with a lack of government concessions in ensuing peace talks, and set off a huge bomb in a parking area at Madrid’s airport on December 30, killing two people. It insisted then that the truce was still in effect, but finally declared it formally over in June, and Spanish security forces have been on alert ever since.

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Signs of de-escalation as Russia claims to pull back some troops

Wednesday, February 16, 2022

On Tuesday, German Chancellor Olaf Scholz met with the Russian President Vladimir Putin in Moscow. The main agenda was the ongoing crisis near the Russian-Ukrainian border. On Monday, Scholz had visited Kiev, where he met with Ukrainian President Volodymyr Zelensky and showed support to Ukraine against the Russian position.

After Tuesday’s meeting, a joint press conference was held, in which Scholz said, “it is our absolute duty as heads of government that Europe does not see an escalation into war.” When asked about the deployments and the threat of war, Putin said Russia does “not want war in Europe.” He later added Russia is “ready to work further together” and “go down the negotiations track”.

However, Putin called Russia’s claims valid and described the situation in Ukraine’s Donbas region as a ‘genocide’. On Tuesday, the Russian Defence Ministry declared it had begun to pull back some of its troops and called the deployments a ‘military drill’.

The German Chancellor said the withdrawal of some troops was a good sign. On the other hand, Ukraine’s Foreign Minister Dmytro Kuleba said they wouldn’t accept any claims by Russia until they see it themselves and added “if we see a withdrawal, we will believe in a de-escalation”. NATO Secretary General Jens Stoltenberg welcomed Russia’s response of a diplomatic solution but said it had not seen ‘any sign of de-escalation on the ground’ yet.

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Commonwealth Bank of Australia CEO apologies for financial planning scandal

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

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Apply For Low Apr Credit Cards And Stop Wasting Money

By Morgan Hamilton

Comparing low APR credit cards can be your first step towards substantial savings if you currently carry a monthly credit card balance. Let us first define exactly what APR is. APR is short for annual percentage rate and is basically the effective rate of interest that a borrower will pay on a loan.

Stated another way, APR is the total cost of credit that a consumer will pay, including one time fees. It is expressed on an annualized basis to make it easier to compare loan options offered through different lenders. In the United States the lenders, in our case the credit card companies, are required by law to disclose their rates to the consumer.

The concept of APR can be applied to such financial instruments as auto loans and savings accounts as well. Comparing low APR credit cards online is a rather easy task when you go to a quality web site such as Find-Cards-Now.com. It is a secure site that lists well over 130 cards from the top issuers in the industry.

[youtube]http://www.youtube.com/watch?v=ULXdkLQiN2w[/youtube]

Transferring high interest balances from existing cards is beneficial for two reasons; first off, the savings realized by transferring to low APR credit cards are immediate. You can literally save hundreds, if not thousands of dollars depending on the size of the balance you carry.

And secondly, because you are paying less out on interest, you will be able to increase the amount you pay on the principle, thereby paying the card off quicker. Of course, this will require financial discipline, but the savings realized is well worth the effort. We would all like to increase our incomes. Sometimes the best way to do that is by cutting expenses.

You will find that most credit card companies will offer low interest cards, including issuers such as Discover Card and American Express. Be sure to read the terms of service carefully. In many cases the interest rate being offered will be an introductory rate that will expire in six months to one year. These are important details that must not be overlooked.

You need a good to excellent credit rating to be approved for low APR credit cards. If you are unsure of your current credit history, I suggest taking advantage of one of the many services that allow you to obtain your credit score. It is always a good idea to periodically check your credit record.

About the Author: Morgan Hamilton is a financial adviser that specializes in the credit markets. Using Low APR Credit Cards responsibly is an excellent way to cut expenses and save money. Visit

find-cards-now.com

to obtain more information.

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Norwegian politicians face voter suppression allegations

Monday, September 14, 2009

A viral election joke has landed several politicians in hot water as Norway goes to the polls to elect its parliament today. A hoax message turning voters away from polling stations is circulating in digital media. The message was also passed on by politicians, who have used social media like Twitter and YouTube to interact with the voters during the campaign. The targeted party is not laughing, and is warning that the activity could be seen as voter suppression.

“Due to full polling stations, Progress Party voters should send their vote by SMS [Standard Modular System] with shortcode FRP to 2009″ That message, and variations of it, was the joke circulating in social media such as Facebook and Twitter or by mobile phone messages.

Norway has taken significant steps towards e-government, such as a trial letting pre-calculated tax returns be filed by SMS. In this context, the General Secretary of the Progress Party, Geir Mo, said that the message was “sabotaging democracy”, because the damage would be done even if just one person believed the message. Kjell Ingolf Ropstad, one of the politicians who passed the message on, refused to apologize for doing it.

The main issue in the election has been whether voters should let the Labour Party dominated majority coalition government stay in power, or vote them out by voting for opposition parties.

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National Health Service England waiting list at highest on record for second consecutive month

Saturday, July 10, 2021

The number of patients in England waiting for treatment by the National Health Service reached 5.3 million in May, data Thursday indicated, the highest since records began in April 2007 for the second consecutive month.

Those on the health institute’s waiting list increased by over 600 thousand in the past three months. However, the average wait time of just under eleven weeks has been steadily declining since the start of the COVID-19 pandemic, which drove total admissions to hospital down, according to The Guardian.

Total admissions for surgery and normal treatment have increased fourfold to nearly pre-pandemic levels from 54,550 last year to 242,064 in May, according to Sky News. In May 2019, there were 295,881 admissions for routine treatment.

The rise in demand is primarily due to a surge in non-COVID-related admissions: over two million people visited the accident and emergency department (A&E) last month, for example, in the busiest ever June. A blog post published Wednesday by the NHS Confederation warned increasing demand in urgent, non-COVID-related healthcare in both children and adults are “putting severe and unprecedented strain on the urgent care system, with unsustainable numbers of people now visiting A&E, seeing their GPs [general practitioners] and calling ambulances.”

Wait times are trending downward, according to Sky News. Between April and May, the number of people waiting over 52 weeks for treatment fell by 50 thousand, though still thirteen times higher than last year. Patients waiting over eighteen weeks dropped by 83 thousand in the same time, “for the first time this year”, according to NHS medical director Stephen Powis. However, the percent of those who received treatment within eighteen weeks, 67%, remained below the NHS standard of 92%, according to The Guardian.

The average wait time for elective care of 10.8 weeks was down 29% from May last year, according to the NHS Confederation’s chief executive Matthew Taylor. In a blog post on the organisation’s web site he remarked the “treatment backlog of 5.3 million patients” nonetheless “show[s] that while waiting lists are still rising, more people are coming forward for care, which is encouraging, as this is exactly what the NHS is there for.”

Taylor went on to say “our urgent care system [is] running a winter-like service in the middle of summer”, adding “we must go into this next phase with our eyes wide open, and acknowledge much of the care the NHS can provide to patients is likely to be disrupted further, including in the community.”

The Guardian reported other issues, including that nearly 25% of patients in A&E waited over four hours to be seen. Only 75% of cancer patients were seen within two weeks of cancer screening, below a target of 90%, or a GP’s urgent referral, below a target of 85%. An October analysis by Macmillan Cancer Support estimates from the year before, 50 thousand fewer people were diagnosed with cancer, a backlog it warned could grow by four thousand missed diagnoses per month to over 100 thousand this October, and urgent referral activity in England for August was 11% behind 2019 levels.

The NHS has said it budgeted one billion GBP on restoring services and clearing the waiting list, according to The Guardian.

32,551 new COVID-19 cases in the United Kingdom were reported on Thursday and another 35 attributable deaths, according to Sky News, up over four thousand from the week before, and the highest since the week of January 27 . This comes after health minister Sajid Javid said cases of COVID “could go as high as 100,000” ahead of the expected lifting of all remaining lockdown restrictions on July 19, dubbed “Freedom Day”, as reported by Sky News and The Guardian.

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