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National Auto Insurance Company Review

Automobiles have been a part of American society for about a century now and in today's society, they are an essential part of everyday American lives. Although in large cities, mass transportation systems such as subways, buses and metros have been developed, most average Americans get to and from work through the means of automobiles. It is for this reason that the Federal Government decided to allow each state to design its own automobile insurance laws, so that they could have a say about under which conditions an automobile was to be used within their respect state borders. With the population of the United States growing everyday and more and more people entering this great country, it is imperative that Americans have auto insurance so they can drive safely and without risk on the roads of this nation.

Nowadays, most people can find an automobile insurance company within a 25 mile radius from their residence. While there are big car insurance companies such as GEICO, Allstate, and others that are trying to get bigger in order to control this sector of the economy; there are some other ones that are unknown nationally and work within their state's borders. In this article we will only be discussing those "top dogs" in the auto insurance business by looking at their history, what they offer and how they have become well known through the years.

Esurance: Although this company was founded only in 1999 through the Internet, they have progressed much through the years. The company started in four states and it was quickly bought by the White Mountains Insurance Group. Today, Esurance claims to insure about 85{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the nation's drivers and they are continuing to grow by providing coverage in 28 states. Since they were founded, this company has strived to give customers the best rates in the market with the best coverage. They pride in their customer service techniques and on the fact that their customer service agents are available 24 hours a day, 7 days a week. This insurance is said to be the first one to offer their products entirely online, making it a little easier and convenient for people to get quotes and enroll from the comfort of their own home of office. The company has grown so much that they have expanded to offer not only auto coverage, but also life, health, homeowner and motorcycle insurance.

GEICO: One of the largest automobile insurance companies in the United States, GEICO is best known for their little gecko speaking in a British accent, or for the caveman commercials that highlight the fact that getting a quote online is "so easy a caveman can do it. " The Government Employees Insurance Company (GEICO) was founded in the 1930's when the Great Depression was still hitting this great nation. Leo and Lillian Goodwin started the company in the state of Texas because they had a vision of lowering premiums for selected customers. The company became more and more famous around …

How To Lower Your Pay As You Drive Insurance Premium

Nobody wants to pay an arm and a leg in motor insurance premiums every month, and that is why a lot of people choose to go with pay as you drive car insurance. Pay as you drive motor insurance seems to be a fairer way of insuring yourself, as you will only have to pay for the kilometers that you drive every month. Your pay as you drive cent per kilometer rate is based on your risk profile. You will be charged a small set fee every month which is to protect your vehicle against theft or attempted theft and fire damage. It is the risk profile that you need to try and lower so that you can pay a cheaper monthly premium.

Your risk profile is based on a range of factors, which include your age, gender, location, the vehicle you drive and the security on your vehicle. Naturally, you can not change your gender, and if you are a male you will automatically pay more for your car insurance premium than if you are a female. This is because females are seen as lower risk drivers. Should you be a male, or even a female who wants a lower premium, there are ways of lowering your risk profile. Naturally, you can not change your age, but you can ensure that you have a clean driving record to ensure that you get a lower premium. If you are young, see if taking an advanced driving course will help you be deemed as a lower risk to your insurer.

You naturally would not change where you live just because of your car insurance premium, so it is advisable to up the security on your motor vehicle so that you can in turn lower your premium. The first thing you can do, if possible, is to ensure that your vehicle can be kept locked up overnight. On top of this, you must install a good security system on your vehicle. There are many security measures you can now put in your vehicle, such as an alarm, immobilizer and gear lock. Luckily, when you sign up for a pay as you drive insurance policy they will install a tracking device in your vehicle to monitor how far you are traveling each month. This tracking device also lowers your monthly premium as it is lowering your theft risk in that if your vehicle is stolen they will be able to trace it.

You can easily find a good pay as you drive insurance company online. You need to obtain a few quotes before you make your decision so that you can be sure you are getting the best deal. A pay as you drive insurance policy is a good move because you will be paying fairly towards how far you are driving. A good pay as you drive company will give you a certain amount of kilometers free each month before you even have to start paying for your mileage. …

What to Look Out For When Buying Life Insurance

When buying life insurance, there are certain pitfalls and pros that you should look out for so that you know which policy is right for you and for your family. Beside, it is all about the condition of your family after you die and you want to make sure they are in the best condition possible.

So the first thing that you need to do is assess the different types of life insurance. Those types are: Term, Whole, and Universal. Term is an easy type because you have a fixed premium for a fixed period of time for a certain amount of coverage. In other words, you can choose a 20 year policy that will cover you for 20 years for the same premium. If you renew at the end of that 20 years, the premium goes up.

Whole life provides coverage that is guaranteed and at a rate that never changes. The premium is higher than term. However, unlike term, whole life gains cash value through an annual dividend. This divide allows the coverage to stay right with inflation because funeral costs and other expenses will not be tomorrow what they are today.

Universal is a mix of both of these and does provide a number of options throughout the life of the policy. You can even vary the amount you pay monthly.

What are the pitfalls?

When choosing a life insurance policy, there are pitfalls. For instance, you want to make sure you're not dealing with an agent who tries to get you to pay as much as possible. Is it really necessary to have that million dollar life insurance policy? Think about all of your current expenses and what they are now. You also want to take into consideration your long term expenses such as your mortgage and how much money your family may need after you pass.

Yes, it can be tempting to give them a million dollars, but sometimes it can be more trouble than it is worth. You also have to take into consideration how much you can afford in a premium now. If you think you may change your mind later, you can invest in a Universal life insurance policy that will allow you to freely make changes.

Another pitfall is to be mindful of anything in small print. Know your policy before you commit to it. You want to make sure that it is definitely going to pay upon your death rather than giving your family the runaround because of a small technicality.

Advantages

There are some pros to life insurance policies as well. Be on the lookout for policies that pay a considerable amount for great rates. Yes, these are more prevalent in term policies. Term policies are the purest form of life insurance and less risky for life insurance companies because it is less likely they'll actually have to pay.

There are also some policies that do not require medical exams. If they do, do not fret. A medical exam …

A Renewed Campaign to Tackle Nuisance Bikers

As much as there is an almost complete unity in encouraging the switch to biking by policymakers and other holders, the issue of nuisance biking is one menace causing so much worry.

Nuisance biking

In the last several months the police in different parts of Britain have been locked in a continuous battle with this category of bikers. Nuisance biking is basically the riding of motorbikes, particularly off-road bikes like mopeds, quads or mini motos in unauthorized places and provoking both health and security concerns.

Nuisance bikers, residents usually complain, disturb the peace and increasingly expose themselves and others to the risk of accidents. Sometimes they are also found to be carrying a passenger on an off-road bike mean for one.

But the largest issue is that they ride in places meant for public use, such as parks or pavements, where innocent pedestrians could be crushed into. In addition to the fact that such motorbikes should be ridden only on a private property with the permission of the property owner, when young people riding this type of motorbike get on the road they strictly have any of the required documents to allow them on the road . Bike insurance is neglected, just as license is not taken seriously since the fact that failure to have them could get the biker into trouble with the law.

Christmas crackdown

In several places across the country the police were called to move in to check the menace of nuisance bikers last year. In some places gangs of young riders were apprehended and had their bikes confiscated. In some extreme cases such bike riders were charged and had to appear in court for a number of offences.

Shortly before Christmas the police cautioned parents against buying off-road bikes as presents for their children. The air was also clear over the issue of purchasing insurance cover for mini bikes. While many alleged erroneously that they did not need an insurance policy, they were reminded that bike insurance was a requirement as long as the vehicle was motor-propelled and would be used on public roads. To sink the message as deeply as possible retailers were also prompted to remind customers to get the cover and other required documentation for bikes.

Fresh campaign

Based on the extent this campaign has gone to, one would think that by now most people would have been sufficiently enlightened about the use of mini or off-road bikes in order to avoid a confrontation with the law. But the situation is still far from this.

Almost every time a young bike rider is caught at the wrong place on a mini bike possibly doing the wrong thing, they are also found to be in possession of none of the required documents. This, therefore, suggests that the battle is far from won and more needs to be done.

In Coventry, which is one of the worst hit places, there is a renewed effort to tackle the problem. Unlike previous campaigns, barriers are being …

Preparation of Profit and Loss Account

Explanation of Certain items of Profit and Loss Account

1. Salaries

Salaries are paid for the services of employees and are debited to profit and loss ac- count being indirect expense. If any salary has been paid to proprietor or partners, it should be shown separately because it requires special treatment at the time of income tax assessment.

2. Salaries and Wages

When wages account is included with salaries it treated is as indirect expense and is taken into profit and loss account.

3. Rent

Rent of the office shop showroom or godown is an indirect expense and so is debited to profit & loss account. However, rent of factory is debited to trading account. When a part of the building has been sublet the rent received should be shown on the credit side of profit and loss account as a separate item.

4. Rates and Taxes

These are levied by the local authorities to meet public expenditure. It being an indirect expenditure is shown on the debit side of profit and loss account.

5. Interest

Interest on loan, overdraft or overdue debts is payable by the firm. It is an indirect expense; so debited to profit and loss account. Interest on loan advanced by the firm on depositor investments is an income of the firm and so is credited to the profit and loss account.

If business has paid any interest on capital to its proprietor or partners it should also be debited in the profit and loss account but separately because this item needs special treatment at the time of income-tax assessment.

6. Commission

In business sometimes agents are appointed to effect sales, who are paid commission as their remuneration. So this being a selling expenses is shown on the debit side of profit and loss account. Sometimes commission is also paid on purchases of goods, such ‘as expense should be debited in the trading account. Sometimes the firm can also act as an agent to the other business houses and in such cases it receives commission from them. Commission so received is shown on the credit side of profit and loss account.

7. Trade Expenses

They are also termed as ‘sundry expenses’. Trade expenses represent expenses of such a nature for which it is not worthwhile to open separate accounts. Trade expenses are not taken to trading account.

8. Repairs

Repairs to the plant, machinery, building are indirect expenses are treated expense and are debited to profit and loss account..

9. Traveling Expenses

Unless mentioned otherwise, traveling expenses are treated as indirect expenses and are debited to profit and loss account.

10. Horse & stable Expenses

Expenses incurred for the fodder of horses and wages paid for looking after stable are treated as indirect expenses and debited to profit and loss account.

11. Apprentice Premium

This is the amount charged from persons to whom training is imparted by the business. It is an income and is credited to profit and loss account. In case apprentice premium is …

Household Insurance is Available at a Reasonable Cost via a Specialist Broker

Household insurance is a term used for home contents and / or buildings insurance and while it can not replace what you have built up for many years in memories, it can help to replace your possessions if they are damaged or lost. Household insurance covers the majority of your marriages in the home up to a certain amount and this is stated at the outside of the policy for which you pay a monthly premium.

The majority of standard household insurance policies will cover any damage made from such fire, theft, flooding and damage caused by storms. Accidental damage is usually not covered in the majority of standard policies and must be taken out separately but it is worth while checking the small print of a policy as sometimes incidental damage to such as TV screens and furniture is included.

When looking for household cover you should try and go for a new for old policy, this means that you should have to claim against the policy then you will get the items value for what it's worth now, not when you originally bought it. The majority of household contents insurance policies will also cover you up to a certain amount in the event that the persons living in the home insured should die as a result of a fire or an accident within the home but again you should check the small print and exclusions.

You should take a full inventory of the contents of your home before getting a quote and instead of shopping around yourself if you want the cheapest quotes on household insurance then let a specialist broker do the work of looking around for you. It is worth while remembering that if you have any items of particular value then these might not be covered in a standard policy so always check before you sign on the dotted line. …

Free Auto Insurance Quotes Sites – Why They Are Really Free

Free auto insurance quotes sites defy the saying that nothing good comes easy or free. The truth is that good things sometimes do come free and easy – at someone else's expense, of course. This is quite true of the most important resource for those shopping for the best price / value in car insurance. Someone spent the time and money to set them up. But like everything free, what's in it for the sponsors of such sites? Will not their interests hurt you? Here are reasons why you should make an exception of this particular group of free resources …

First, I'll make you realize what they stand to gain (Yes, they stand to gain something too). Here is why they give such a useful resource for free …

If you run a business you definitely know that you spend quite a lot in getting customers. This is also true if you're an insurer. The old method was that an agent called you and tried to sell you insurance. That cost them a lot of money.

On the other hand, quotes sites attract just the right kind of people: Folks searching for what they sell. They attract them 24/7 without phone calls and additional staff. Their details are captured immediately into a database without the need for human intervention. This makes the process of managing data easier and also ensures that only authorized persons have access to them. The cost of customer acquisition and running their insurance business therefore drops sharply.

Now that you understand why they may be giving you such a great tool for free, you may want to know what's in it for you. Here they are …

1. The competition in the insurance industry is fierce. Savings like this help insurers compete better by lowering their rates. The lowest rates are online, period. It saves them much money and they pass on part of the savings to you in lower rates.

2. Getting five or more quotes per request is very normal especially if you get quotes from free quotes sites that are owned by insurance brokers. And, all it takes is just about five minutes. You raise your chances of making considerable savings when you have many more quotes to pick from.

3. It's a lot more convenient to get your quotes online from these sites. You can get and compare quotes at your own time and pace. Can you find time only by 1.00am? That's fine. All you'll have to do is just log on and get your quotes – So easy!

4. If you have ever tried to obtain your quotes directly from an agent you'll agree that you're less likely to get the best quotes but those that will serve the agent better. And what if the agent does not cover an insurance company, they'll give you what they have and not what's the best deal. Using quotes sites, you make your decision without any external pressure.

These leave you with …

NJ Home Insurance – Small Steps That Will Lead To Massive Savings

The things that will help you save on your NJ home insurance policy are not always great things. There are a number of small and often-overlooked things that will help you reduce your rate by a huge margin. Let's look at some of them …

1. Fitting deadbolt locks on all your exterior doors will not cost you much. However, they could lead to discounts of up to five percent depending on your insurer. Burglary proofs may be too much for most people but deadbolt locks are that much but will save you some money.

2. Do you have the right number and kind of fire extinguishers in the right places in your home? These little things make you home more fire-safe. And, they lower the risk your home is exposed to, the cheaper your NJ home insurance rate.

3. Do you have trees on your property? Do you take time to ensure there are no dead limbs that could hurt people on your property? Just a routine check and maintenance would save you a lot in liability claims.

4. Do you have a dog or dogs? They'll increase your rate. However, if you take the right precautions they're not cost you much in home insurance. Simple steps like making sure they are always chained when if your home is not fenced would help.

5. Do you know that your home and its content will attract an entirely different rate quote from a different insurer? The difference in NJ home insurance quotes from different carriers could range from as little as a few dollars to over a thousand and much more. Therefore, make sure you get and compare quotes from five or more quotes sites. …

Understanding Permanent Life Insurance Policies

Permanent Life Insurance comes in two distinct forms:

Whole Life – This type of Life Insurance policy is immune to factors that would otherwise cause an insurance policy's premium to increase. Two factors that determine insurance premiums are rate rate and expense costs. As you age, your mortality cost increases and should there increase increase insurance premium. But with a Whole Life policy, this is not the case. The same applies for an insurer's operating expenses. If an insurance company has to increase its general staff or despite renting a larger office space, the cost is usually passed down to policyholders. This would not be the case for Whole Life policy holders. Those who purchase a Whole Life policy are buying a permanent life insurance policy without risk. The disadvantage to a Whole Life policy is if the policyholder decides to add additional coverage, he or she will be required to purchase an additional life insurance policy.

Universal Life – This type of policy is in direct contrast to a Whole Life policy. It is flexible in nature where a Whole Life policy is not. The two factors that determine a Universal Life insurance premium (mortal cost and expense cost) are passed directly on to the policyholder: if expense costs decrease or general interest rates rise, the policyholder benefits by having his or her insurance premium lowered. However, the opposite is also true: should expense costs increase or general interest rates drop, then the policyholder is subject to ever-increasing insurance premiums. Additionally, Universal Life policy holders are permitted the flexibility of increasing or decreasing policy limits without purchasing additional policies. Should you experience difficult times and be able to afford the premium, you can simply lower the limits in order to decrease your policy premium. Increasing the benefit is also possible but may require the insured to prove good health to the insurer.

Other life insurance terms you should be aware of:

Variable – Variable means the policy holder is allowed to invest the cash value of the policy into areas such as the stock market. This can be beneficial if the cash value is invested wisely and the investment is profitable. However, if a poor investment choice results in a reduced cash value due to unexpected losses, the policyholder will be required to deposit additional funds to cover the cash value loss.

Cash Value Choices – Whenever a policy holder decides to terminate a permanent insurance policy early and that policy has established a cash value, the policyholder has several options available: receive the funds in cash, accept a prepaid permanent insurance for life (but at a reduced death benefit), or accept a term life insurance policy for the full death benefit.

Policy Loans – There is a fourth option to cash value called Policy Loans. The policyholder may borrow against the asserted cash value of his or her life insurance policy. If you decide to take a loan against your cash value and should you die before the …

5 Steps to Crime Prevention at Your Marina

Spending the day or weekend on your boat is one of the pleasures most boaters look forward to all the time. Unfortunately, the marinas where vessels are stored at are just as susceptible to crime as our homes and places of work, if not more so. Criminals prey on two facts. (1) Many boats are left alone for days and weeks at a time and (2) when a boater heads out onto the water, criminals know that they have more than enough time to burglarize their parked car.

With that being said, it becomes important for boat owners to learn some common-sense practices for keeping the property on their boats and in their vehicles as safe as possible. Listed below are five steps that boaters can take to help protect their property from crime.

1. Mark It

This is a proven deterrent and you will have a better chance of having your property returned if it is stolen. Etch or engrave an identification number, such as you vessel ID number, onto all of your valuable items. This will enable authorities to trace lost or stolen items back to your vessel. Also, enroll in a crime prevention program, like Boat Watch USA. It is free, and you receive a Vessel ID decal which includes a warning for all would be perpetrators to avoid your vessel. Place this decal where it can be easily seen from the most common spot your vessel is boarded from. Boat Watch USA also offers smaller Boat Watch USA warning decals to affix prominently to your major equipment.

2. Record It

Secondly, record in detail all of your valuable equipment. Compile a written inventory of your boat, trailer, and all onboard equipment. Boat Watch USA includes with it’s free service a form to list unique details and other special identifying features of your vessel. If you have a trailer, you can include particulars about it too. List all electronics, outboard engines, and other gear by brand name, model and serial number. Be as descriptive as possible for both the police and insurance companies. Again, Boat Watch USA offers an online vessel equipment log where owners can record equipment information and keep it readily available for the law enforcement and insurance companies should they need it.

3. Photograph It

Photograph or video tape the interior and exterior of your vessel, showing all the installed equipment and additional gear stowed aboard. These photographs should show any identifying marks or scratches that can be useful in the recovery efforts of law enforcement. Include photographs of open drawers and lockers with all contents revealed. Date and sign the photographs and add clarifying or identifying messages as necessary. Store these photographs or video tapes in a safe location outside of your boat, such as your home.

4. Secure It

Most thieves are opportunists and seek out the easiest vessels to strike. Purchase and use quality locking devices for your boat to make entry and accessibility as difficult as possible for would be …