Wednesday, 24 March 2010

Temporary Insurance Cover For Car Rental

Many people have obtained their driver's licenses but do not own a car. For busy executives working in cities, public transport is very advanced and convenient, which is why many chose to avoid the hefty cost of car ownership.

However, what if your friends are on holiday and offer to lend you the car for a few weeks. Like the temporary car insurance plans available on holiday car rental, you can get these from most motor insurers online. It is very affordable, so do not risk driving without temporary insurance and end up having your friend's car being confiscated by the police.

Drivers With Bad Credit Increases The Average Car Premium

If you think bad credit only affects your personal loans and interest payments, you are wrong. You will be charged higher than average car insurance rates because you are considered high risk to the insurers. Past statistics over the past ten years have shown that drivers with poor credit ratings made more claims, which increases the cost of business for the insurers. If you work on improving your credit rating, you will be able to get cheaper than average car insurance.

Auto Insurance Comparisons

Low car insurance rates are available at both big established insurers as well as the newer companies. The bigger companies have lower running risks and can afford to give out low car insurance rates to hog up the market share while newer companies must keep their prices lower than the average car insurance plans in order to compete against the former.

When you are trying to compare several quotes you have gotten against the national average car insurance rates, do note that there are a few aspects which can dilute the accuracy of these figures.

Cheapest Monthly Car Insurance Rates

If you managed to reach this last paragraph, you will realize that trying to get the cheapest monthly car insurance rates in UK when you have at least two cars and drivers can amount to quite a headache. Besides the given discount, there are other umbrella benefits available from the bigger companies that wanted you to get home, travel or life policies from them as well.

Although you can get quick quotes from the internet, having to consider more than 3 cars and 4 drivers on the same multi car insurance plan is better left to a broker who can help you avoid making mistakes by especially choosing the best car insurance for young drivers which can get rather confusing.

Multiple Car Insurance Discounts

To get cheap car coverage for new drivers, it is a common strategy to exploit the discounts provided on multi car insurance from the same company to help young teen drivers get onto the road and accumulate a clean driving record. Until they reach the age of 25, the insurance rates for young drivers will be substantially higher especially for male drivers. However, if you do not intend to buy another vehicle especially for use by your children, then the benefits does not apply here at all.

Indeed, many households cannot afford having more than one car, when it is simply cheaper for the teens to take public transport to school or work everyday. They can have limited access to the family car in the evenings or during weekends for their leisure instead. In such cases, they can be added as secondary drivers onto your single car policy and you will be charged a smaller additional fee compared to an equivalent multi vehicle plan. This may be better to keep costs down since young driver insurance rates are never cheap either way.

On the other hand, if you have more than one car, then it definitely makes sense to apply for multi discount plans from the same company. If you are the only driver, you can state a low expected annual mileage on your various cars and get even more discounts (after all, you only have so many driving hours to spread over your cars).

For example, you may drive a convertible during summer and a truck during winter. Since one or more of your cars will be spending a lot of time parked and unutilized, you need to have a proper parking space for them. A personal locked garage will help you lower your premiums significantly, especially if you live in high crime rate neighborhoods.

All our cars intended to be covered by the same UK car insurer need to be registered at the same residential address and owned by the policy holder. If there are to be more than one named driver on the policy, they need to be staying at the same address given above as well. This usually includes family members such your spouse, parents, siblings, children and even extended family members and friends.

Before you opt for this, you need to reconsider the following important factors first. When you have >1 drivers and >1 cars, things can get really complicated, so try to follow through these points. Firstly, the policy owner will be a named driver on all the cars covered by the same policy. Although you can cover up to 5 cars on the same plan by many insurers in UK, will you really be driving on each of the registered vehicle some time throughout the year?

If not, you can be wasting money by being named as the primary driver on all the vehicles bound to the same policy. Similarly, when you add your family members as secondary drivers to your policy, consider which car they will be using most frequently and just add that.

Insurance Quotes For Young Drivers

Unfortunately, the other things you can do now to lower your insurance quotes for young drivers is somehow limited. For parents that do drive, you can add your teenager to your auto policies. Aside from being older and experienced drivers, parents get lower prices because they are married, own a house and have good credit history (hopefully). You can choose to add a new car onto your policy or to add a secondary driver (your son or daughter), depending on whether you are purchasing another car for their personal usage.

Either way, you get discounts on the additional coverage, although the latter option will still be obviously cheaper because the rates are computed based on the driving records of all named drivers in the family, so your clean driving records can offset the high risk profiles of the young and new drivers.

There are however situations when buying another car and policy for your teenager are the cheaper option. For example, if the parent drives a sporty Porsche Boxster or Corvette, the car insurance under 25 years old will be alarming high (reckless driver plus a show off car, get the drift?). Pairing a new driver with a slower, conservative Volvo station wagon which has a high crash rating may be better off. You can also get cheap car insurance for new drivers by driving a cheap and widely distributed domestic car. This means the repair costs are probably cheaper and less than $500 dollars for most minor damages or car problems. This $500 dollars is the typical deductible you can find on most cheap car insurance for young drivers.

For illustration, if you try to claim for damages that are only $400 dollars, your insurer will not pay you a cent. However, if the repair costs are $2000 dollars, you only need to pay the $500 deductible while the remaining $1500 will be settled by the insurer.

Even better, if you choose to drive an old car that is valued at around $500 (try the government police auctions), you can take out cheaper liability only policies. A liability car insurance covers you for damages caused by your driving to other people and their possessions.

Comprehensive policies on the other hand, cover you and your car as well. However, the comprehensive car insurance for young people under 25 years old can be pretty expensive and are avoided by most people unless they have an expensive car to protect.

The insurance quotes for young drivers can also be adjusted by choosing the appropriate policy deductible and maximum limits. You need to be careful with these because they are what you may have to pay in the event of a road accident caused by you. Generally, for safe drivers, we recommend choosing the highest deductible you can afford out of pocket.

We assume you are not likely to be the culprit behind any traffic accidents you are involved in, and hence can claim for damages on the other party's liability policy. The maximum limit is the amount your insurer will continue to pay throughout the coverage duration and anything above will be put on your tab. Cheap car insurance for new drivers can thus be gotten by increasing the deductible and lowering the maximum policy limits.

Finally, buying the policy direct through the insurer website such as from Tesco Car Insurance or Progress etc can be cheaper compared to doing so through an insurance agent. You need to pay commission for the latter route.

Insurance Companies For Young Drivers

Do you know that you can get insurance coverage for the time spent on additional driver's education and defensive driving lessons to get the license. This will help lower the premiums charged for your new drivers at home when they eventually get their licenses. If your son or daughter's grades in school are consistently excellent and above B average, submit them along with your application to get another discount.

Some insurance companies for young drivers also make special provisions for their new clients. They have in-house training and test sessions to evaluate the risk profile of applicants for car insurance under 25 years old.

Only safe drivers will be allowed to be covered under these plans and since risky drivers are being rejected, the overall cost is significantly reduced and every accepted policyholder gets to pay lesser monthly premiums. However, not many insurers specialized in providing such programs to provide cheap car insurance for new drivers and it may not be available in your state. Moreover this only applies for new but competent and careful drivers in order to pass these examinations.

The onus to maintain a clean driving history is the most important to getting cheap car insurance for new drivers in future. It does not matter how much you do now to lower the premium rates because the moment you get into an accident and the other party makes a claim on your young car insurance policy, your new rates can be adjusted by up to another 100%.

On the other hand, if you drive carefully without any accidents or speeding tickets, by the time you reach 19 years old, your insurance rates for young drivers will have dropped by up to 35%. At 21 years old, you get yet another 25% off. The message here is that the most effective strategy is to drive carefully, maintain a clean history and you will end up with the cheapest insurance for young drivers.

Cheap Car Insurance For New Drivers

Getting cheap car insurance for new drivers is quite the difficult task as many parents have experienced it personally for helping their teenagers get their first car on the road start driving after they have gotten their driver's license.

From the insurer companies' perspectives, new male drivers between 16 and under 25 years of age are more likely to drive recklessly and get into road accidents. They are hence deprived from cheaper insurance for young drivers. And when they claim for damage repairs, their premiums can even go up by 100%. It is not easy, but there are still ways for parents to get cheaper insurance quotes for young drivers.

On top of being young and immature in their handling, these drivers under 25 years of age tend to have very little driving experience except for the hours spent in driving school. Insurance companies know this and charge more expensive young persons car insurance premiums to avoid making losses on reimbursing the car repair bills which are likely to occur frequently.

Eligibility For Temporary Car Insurance Up To 28 Days

Although such temporary car insurance sounds incredibly short, it is actually available for extension up to 28 days, which makes it very flexible for any ad hoc driving plans you may have in mind. Besides cars, it is also available for scooters, motorcycles, vans and any vehicles you can drive with the relevant approved driving license. However, there are some stricter rules over the eligibility for applying to these one day car insurance packages. Typically, you need to maintain not more than 6 points being deducted from your driving license over the past 3 years. You also must not have been legally banned from driving for the past 5 years. The current market value of the cars to be insured must also be less than $40,000.

Companies such as Tesco, Churchill car insurance laid down these rules in order to limit their exposure to business risk, since it is more dangerous for them to collect a small premium but having to pay high damage claims should something happen on their monthly car insurance policies. Since drivers that require these short term car insurance cover typically drive very infrequently, they are more likely to be inexperienced and unfamiliar with the vehicle controls, resulting in high probability of causing a traffic accident and running up high cost repair bills and injury expenses.

Minimum Liability 1 Day Car Insurance

Day car rental companies usually provide the bare minimum liability car insurance plans together with their hire cars so that they can keep there overall costs low and competitive. They are less likely to be concerned over damages and claims caused by accidents with their hired vehicles, since they are considered to be free from any responsibilities legally. That is why it is on your part to decide and pay for comprehensive car insurance and produce the relevant documentations when collecting your daily hire car. Since these rent a car companies do not make much profits by cross selling one day car insurance, they will accept your independently-provided 1 day car insurance policies as long as the benefits are equal or exceed their own plans.

Monthly Car Insurance For Under 21

If you have been trying to get cheaper one day car insurance plans to no avail, it is possible that you are looking at the wrong places. It is not difficult to find affordable short term driving protection coverage & monthly car insurance for under 21 yr olds, and you can also get to choose from multiple temporary quotes for comparsion to boot. Yes, you just need to use the car insurance comparison sites to conveniently gather quotes from various motor insurers such as Tesco, Churchill or Elephant car insurance etc and pick the one that best matches your requirements from a pay as you go car cover.

The price differentials between various 1 day car insurance plans are usually quite minor; after all, this is an incredible short period of protection. You may wonder what are the distinct features from the better and comprehensive offers on the market. For example, the ones available from your holiday car rental companies tend to be very basic temporary liability car insurance with a small maximum payout. If you are exposed to very high sum claims which are common when personal injuries or death of third parties are involved during a catastrophic traffic accident, you may not be able to handle the compensation demanded by the victims and their dependents. You should not be driving if you cannot pay for the cheapest one day young drivers insurance from any of the UK insurers.

Comprehensive Daily Car Insurance Coverage

Since these are temp car insurance plans, they can be activated instantly over the phone or through the internet once you pay up the necessary premiums. You do not need to wait for the policy documents to be shipped to you, you are covered once you are paid up. Due to the higher risk involved, many insurers only allow drivers above 21 years old to apply for their temporary car insurance. However, new and inexperienced drivers who have just gotten their driving licenses are also eligible as long as they meet this age requirement.

Temporary car insurance for one day is also useful when you are visiting new places and would like to explore more thoroughly by driving a rented car. The car rental places will provide you with the necessary temp car insurance as stipulated by the local traffic laws unless you have an applicable international driving insurance. This bundled plan may or may not be the cheapest or the best, but should suffice for you usage over a few days. However, if you intend to actively use the rented car for over 7 days, it may be better to get in touch with a local motor insurer for a customized plan that may suit your needs better. As you will be driving under unfamiliar road conditions, the chances of causing a traffic accident are considerably higher. Repairs and damages can get really expensive without any one day car insurance cover.

Friday, 19 March 2010

Earn Money Working From Home-Ezinearticles Quality

Now I want you to read this very carefully if you want to earn money working from home using Ezinearticles. (I know I will get emails giving me crap again because the gurus hate when I go against what they teach.)

The gurus will tell you that quantity is better than quality. Please don't listen to this. They will tell you to just write, write and write some more. They will tell you to get as many articles out there in as little time as possible. Of course they are saying this to show you that you can get lots of back links.

First of all Ezinearticles are cracking down on crappy articles. Writing for the sole purpose of back links will actually have you losing out on a ton of traffic.

Remember you are using keywords to get people to your article and then to your site. When people search the keywords in most cases they are looking for something. If you can give them something in the article then you are creating a chance for them to click thru to your site and very possibly make a purchase.

If you are only interested in building links you are very likely leaving twice as much traffic at the table. If you haven't figured out by now that the most important thing when it comes to learning how to earn money from home is the need for traffic. By writing crappy articles for Ezinearticles you are stealing money from yourself.

Earn Money Working From Home-Ezinearticles Length

You really are not going to earn money working from home by writing long drawn out articles for Ezinearticles. Some of the experts recommend 400 to 600 words but I can almost guarantee you that most readers will never make it to the 600 word mark of ant article.

Ezinearticles has a 250 word minimum for articles and in all honesty you really can say pretty much everything you need to say in 250 words. You have to deliver witt, excitement and the want in the 250 words. Myself after many trials have definitely figured out that on almost all occasions the 250 word rule for me is all I need.

Don't fall trap to people telling you that if you write a longer article it will become a highlight at Ezinearticles. This just isn't true. The thing is you want the article to get read outside of Ezine articles. For this reason you want to focus on SEO. All you are doing by writing the 1000 word articles is wasting your time. If you haven't figured out by now time is the most valuable resource you have when it comes to learning how to earn money working from home.

Earn Money Working From Home-Titles For Ezinearticles

So we have chosen Ezineaticles to write your article about how to earn money working from home. One of the most important things you need to know when focusing on your article is that the title is almost the most important part of the article.

You need to attract people to your article right off the bat. You may have the best article on the site but with a lousy title you wont get people clicking on to read. Bad title and you will have the reader and possible buyer lost forever.

People make the mistake of using the most obvious or easiest title. First point is get your keywords in the title and after that make the title pop out so that people will want to read your article. You can believe what you want but I am here to tell you that the difference between great and not so great traffic is how the title peaked the readers interest.

You really need to take the time to get that title just right. In some cases the entire title may take you longer to write than the article itself but at the end of the day you will be glad you took the time to do it right.

Earn Money Working From Home-Selling

You are trying to earn money working from home but if you try hard selling in your article you are definitely going into the right direction to get your article rejected at Ezinearticles. If it is obvious that you are selling your article just wont get accepted.

The thing is your articles do not have to be plain old information articles because those might as well get rejected as well because they will never get read anyways. There is that fine line between writing a selling article and an article meant for a medical encyclopedia. You just have to find that fine line and then you are well on your way.

The perfect article is the one that has the reader wanting what you are selling without actually mentioning the name of the product in the article. It will also be done without obvious promotion. You will find it is a difficult line at first but once you get the hang of it you will find it much easier and you will get results.

What is really happening here is you are providing Ezinearticles with high quality articles and in turn they allow you to put your links in the resource box. its a win win situation for all involved.

Earn Money Working From Home-Be Heard

When earn money working from home while writing articles at Ezinearticles you want the readers to hear your voice in every word. This means you need to know what you are talking about. That either means you know what you are talking about or you do some very good research on your niche. Basically you need to be an expert.

You also need to remember who you are talking to. What I mean by this is do not write a video game review in a political voice. Doing this is a great way to not get your articles read. Write to the people who are listening. After all your ultimate goal is to get traffic to your website and this will do it for you.

It really doesn't matter who or how you are writing. You have to show excitement and interest in your articles. The biggest thing is make sure people believe you do know what you are talking about. Just remember if you want to earn money working from home with articles you need people to believe you know what you are talking about.

Earn Money Working From Home-Good Writing

If you want to earn money working from home by writing articles then you must write as well as you possibly can. This means proper spelling and good use of grammar. In saying this you also want your writing to be simple to read but interesting at the same time.

Now you only have two choices if you cant follow those simple rules. If you really are set on article writing you will have to learn how to write them or hire someone who already knows how.

Please don't fool yourself by thinking you can build traffic with crappy articles. (My first articles are proof of that.) When the reader starts reading a bad article they are very quick to hit the delete or back button on their computer. This all happens before they ever get to your resource box.

Even if they do make it to the end of the article the chances are very high that they will not be interested in looking at anything you have to show them.

Its really quite plain and simple. If you want people to click through to your site you need to make them want more. By writing exciting articles that is exactly what they will want.

Conclusion

As you can see there are numerous ways to earn money online but none of them is easy. Well typing and writing articles is easy enough so you can do that easily by registering and typing away. But if you have dreams of making whatever amount you have in your head, well dreams are cool. But dreams will remain just that if you don't work exceptionally hard. Most of the very successful people online started out by putting in 80 to 100 hours a week online. This is because quantity and quality go hand in hand when it comes to earning money on the internet. If you want to know how to earn money fast then keep on looking but try not to be taking for a ride. There are many so called professionals who are only professionals in swindling people out of their money. But if you want passive income and you want to know how to earn more money then continue to do your research because you will get there.

How To Earn Money For Kids

Go make some lemonade and sell a cup for .75 cents. And if ice is included sell it for a buck. Ok, I am certainly kidding and if you're a kid then consider yourself lucky because you are young and you have a lot of time to learn. If however you want to earn money now, well you have to think about part time. The first place to look is the block you live on. I am sure you have neighbors who need some kind of help around their homes. This can be raking leaves, shoveling snow, walking pets and mowing lawn. You'll have to negotiate the hourly price but I'm sure you can make anywhere between $2 to $5 dollars an hour. If you are thinking about earning money online then there are some obstacles. This is because you usually need to be at least 18 years of age to apply for most online making money programs. You can however learn how to earn money for kids now and when the time comes you'll be ready and ahead of the pack.

How To Earn Money At Home

You have several options but how to earn money at home will depend on how much time you have. You have to put in at least 10 to 20 hours a week online. If you enjoy writing you can take that route and simply write for one of the article websites. Elance and textbrokers are two good websites where you can write articles and sell them to internet marketers. On the other hand you can become and internet marketer yourself and build websites. Think of every website as a chance to provide beneficial information to your visitor and for you to possibly earn money at home from those websites. So you can be the writer for someone else or you can write for your own self. The first way will certainly give you money earlier and the second way you might suffer for several moneys if not more. But you know what we all learn one day at a time. I am continuously learning each and every day. If you have patience then why not do both.

How To Earn Money On The Internet

There are numerous ways to make money from the internet and each and every single way begins dedication. You can blog online, you can write articles, take surveys, you can promote products, you can sell products online and this are just for starters. The key to how to earn money on the internet is educating yourself. No one will teach you how exactly and even if you join some communities for a fee they will teach you 50%. The rest will be up to you. You will have to know what works and what doesn't. Put it this way no one will give you the magic keywords to use. And no one will tell you the money making niches and how they work. Making money on the internet up until recently was so hush hush that even if you begged no one would tell you how. Times are changing and there is more than enough to go around. You can join hubpages like I did here, or you can write articles for Infobarrel. Both of these sites have revenue sharing, so if you continue to write you will know what works and what doesn't. The goal is to write quality content that attracts the attention of the surfers. The more visitors the more likely you will make money. There are numerous ways once you have enough traffic. Ebay is a good way, as is Amazon, and so is Google Adsense. There are also other networks by Yahoo and MSN and much smaller ones like Kontera.

How To Earn Money Fast

If you want to sell your house fast then you need to do a little preparation. You cans simply sell your house quick by selling well below market price but who wants to do that. When home shoppers go around...

There is the misconception that one can make money easily on the internet. If you want to know how to earn money fast then think for a minute and ask yourself when has making any kind of money been easy? The answer is never but if you don't believe this then go ahead and buy yourself a lottery ticket because you'll have better luck. People who are sincere in knowing how to earn money know that a lot of time and training needs to be invested. There are many ways you can go about this but the first step is to read and the second step is to write. The reading part is more in line with listen more and talk less. The writing part well that's how almost everyone makes money on the internet. That's how you'll begin first but eventually you might be in position to outsource your writing. Before you begin with all of this you should just delve yourself into the internet world. There are many places for which you can begin. Simply start a blog and join any community. This way you will learn about the basics of running a website. Such as posting putting up pictures, using plugins and simply knowing how to use blogging software. More importantly you will make connections and friends. Read the How to earn money paragraph that is relevant to you before and you'll be on your way to make money online from home.

You Can Make Money on Craigslist

This really is just the tip of the iceberg on how to answer the question - How can I make money on Craigslist? There are really just SO many things that people are buying and selling on Craisglist everyday. To start off I would spend an hour or two just browsing Craigslist. Look through the ads, see what people are buying and selling. See what prices they are asking for. See what types of things are popular.

And remember, there are some things that people must absolutely have everyday: Food, water,shelter and clothing. Maybe you are a good seamstress who makes beautiful clothes? A great gardener who has extra tomato plants to sell? An out of work caterer who makes wonderful food and does great parties? Maybe you have a spare room you would like to rent out? The list is endless. First look at your strengths, what you have to offer, do your research and plunge forward. You can make money on Craigslist. You just need to do your homework, be creative and price your items accordingly. Good luck Craigslisting and let me know how things go!

For more of my advice and tips about Craigslisting check out some of my other hubs about Craigslist here:

Be Creative on Craigslist

My advice on how to make money on Craigslist is to figure out what you do well, what skills you have and what market you are in. Here are some ideas for things you can sell on Craigslist:

1. Used items that you already have. Look around you. Figure out what you don't want anymore or really don't need and post it on Craigslist for sale, To get an idea of what to charge look at some other listings to see approximate prices for similar items that are already posted on Craigslist.

2. Besides used items, maybe you already have a business. Think about doing some advertising with Craigslist. Maybe you could offer your landscaping services or plumbing services with a Craigslist ad. Yellow Pages ads are expensive and don't always target your local market. Try marketing to your area and see what happens. You'll save money advertising and also pick up more jobs right in your own neighborhood.

3. Try some creative bartering. There are lots of people on Craigslist that need things done. Maybe you need a new lawn and someone on there needs some car repair. If you are a mechanic hook up with a landscaper who can plant your lawn while you fix his car! Bartering is one of the oldest forms of direct selling to one another - MINUS the dreaded "T" word. Just don't tell Uncle Sam know I told you that!

4. Are you creative like our birdhouse maker? People like creative things. Even in a bad economy people still love and want to buy handmade, unique items. There will always be a market for things that are out of the norm. If you make unique jewelry, grow unique orchids, make awesome doghouses or build unique childrens furniture them yes - by all means try selling them on Craigslist! Maybe Craigslist will launch you into a whole new business and you wlll build up a clientele and establish a following!

What Kind of Things Can You Sell on Craigslist?

So let's start with my readers question about selling his woodworking skills on Craigslist. He wants to know if he could sell things like bird houses. Interesting question and this is what I would look at first and the questions I would ask myself:

1. Are my bird houses unusual? Are they different from something I could pick up at any store? If you have a unique item, yes, you could probably sell them on Craigslist

BUT...

2. Is there a market for birdhouses where I live? Are you trying to sell birdhouses in Alaska or in a community where there are lots of bIrd lovers and people that would buy birdhouses?

AND...

3. Am I going to be able to cover my costs to actually make a profit doing this? If making the bIrd house costs you $5.00 and you are only selling it for $10, is it worth the time and effort you are going to put into the making the birdhouse?

Just some food for thought. When thinking about selling things to make money on Craigslist you need to consider your market and your pricing, cost of goods and time involved.