Car Insurance – Lowest – 5 Ways to Save Money on Auto Insurance

So – you want to save on car insurance and wonder what the lowest prices around are?  Check out the money saving tips below before signing on that dotted line.

Car Insurance Lowest: Shop Online

Selling insurance online provides savings that are passed on to customers by way of lower premiums.  If you are comfortable with doing business online, this may be the way to go for you.

You should, at least, start your insurance shopping process on the internet.  Use a website like Quote Wizard or 2Insure4Less to obtain a handful of quotations from different companies.  Now you have a basis for comparing coverage and prices.

Car Insurance Lowest: Find an Insurance Company that Caters to your Driving Record

To a great extent, auto insurance rates are set based on your driving record.   So, you need to find an insurer that offers a good deal for your type of driving record.   This is where comparison shopping comes in.  Use one of the websites mentioned above.  You’ll need to complete an online form with info about you, your vehicle, you driving record, etc.  You do that one time and 3-4 quotes will be emailed to you.  You’ll be surprised at how much prices will vary among companies.  Those companies that are not particularly keen to insure drivers with your type of driving record will stick out like a sore thumb…their quotes will be higher.

Regardless if you’re guilty of running a few red lights, or pressing too hard on that pedal or are even a “model” driver – the search should be on!  Comparison shopping is the #1 way to save money on your car insurance.

Car Insurance Lowest: Got a “Rough” Driving Record?

Check out companies specializing in high-risk insurance policies.

How do you find them? As mentioned above, use Quote Wizard.  They will direct the appropriate insurance companies to you.

Car Insurance Lowest: Review your policy

I strongly encourage you to check rates by shopping around at least once a year to be sure your car insurance company is keeping up with market rates.  You don’t want to be the guy who stayed with one carrier for 15 years only to learn one day you have been paying twice what the market is charging.

Car Insurance Lowest: Have a Look at Your Deductible

The price difference between a policy with a tiny $100 deductible and a mega $2,000 will affect insurance premiums by as much as 25%.  These are outside amounts-the most deductible is around $500.

Keep in mind that your deductible does not apply to liability cover.  Meaning that if you are at fault in an accident and have adequate coverage, your policy will cover any damage you caused to other parties and their property.  Your deductible is applicable only to repairs and replacement cost for your vehicle.

How much are you willing to pay out of your pocket for damages to or loss of your car?  Set your deductible at the highest amount that you can afford, but do not assume that you will never need to pay it.

It’s Oh So Easy to Apply Online

Have you ever thought of how simple and easy our life is now? For those people who lived before you, it was really an adventure to do their work outside their home. Such daily tasks have now more up-to-date ways of being accomplished. Nowadays things are so simple. Everything demands considering less effort than ever before.

I'm sure you have guessed what I'm talking about. If you have not – I'm talking about the Internet. Internet requires just one click to do your work. Niceties like online banking, email, and shopping over the World-Wide-Web already exist. You do not need to go out of your home whenever you need to pay your telephone bill for example. Now you just need to apply online. The World-Wide-Web allows approach to places that will take you a lot of time. Applying online is the easiest way to find information about your credit cards, loans and so on.

Have you applied for something recently? Do you want to know which is the best 4-year University? Have you already graduated from school? So is not it easy to find a school where to get your bachelor's degree? Getting access to the universities now is easier than ever. You just need to apply online no matter which school you have chosen. You may even apply online to several schools if you prefer so. Do not miss a chance! Getting to each of the schools you consider will waste your time. It is much faster to apply online than to use the old traditional method.

Welcome to the cyber-age of technology. Imagine you have already applied online to your should. Now you may need some financial help. Now hear the news – you can just apply online for a loan on the FAFSFA website. When you click on the link, you will be guided through several steps. Check what type of loan you will be granted to take.

In addition, when you are applying online for something, you save the postage. E-mails are free. The more expenses are saved the better.

Nobody is surprised now that applying online is possible almost anything. Such comfort was not available ten years before for example. We all are happy and love this option. Currently everyone has applied online for something at least once. Just relax at home and let your computer do your work. After all, is not it the age of conveniences?

History of the Abacus

The abacus has a very long history. It spans over thousands of years. The earliest abacus was invented about 5000 years ago. Some expert historians believe that the abacus was invented by the ancient Chinese. Still others are of the opinion that the abacus was invented by the Babylonians or by the Egyptians. However, all these claims are backed by historical evidence like archaeological excavations and ancient texts. It may be possible that many civilizations may have invented the abacus independently and roughly at the same time.

The first counting device was the human hand and the fingers. The reason why we use the decimal system is that there are 10 fingers (both hands combined) and so it is very easy to count if 10 is the base. Later on man started using natural objects and markings to count and calculate. Larger quantities [exceeding 10] could not be easily count on the fingers. So various natural objects like pebbles and twigs were used.

Merchants needed not only needed a way to count the goods that they bought and sold, they also needed a method to perform calculations. This was achieved with the help of counting boards. Until the advent of a proper number system, counting boards were very popular. The abacus has its origin in one such counting board.

Time line of the history of the abacus:

  • 3000 BC: An early form of abacus originates in the Orient
  • 1000 BC: Chinese start using counting boards
  • 500 BC: Romans and Greeks use counting boards
  • 300 BC: Abacus is widely used as a counting device in China
  • 500 AD: The abacus is used in Europe

Top Workplace Harassment Questions

Harassment at work is a form of employee discrimination. It has many forms with varying degrees of seriousness and legal implication. While it is a violation of the 1964 Civil Rights act, it can often be difficult to prove in a court of law. This can lead to unanswered questions. Below are five of the most common workplace harassment questions.

Q. What are some types of workplace harassment?

Harassment at work includes sexual, racial, religious, and age-related harassment. The fear of losing a job keeps many employees from reporting harassment. Many employers have what is called an "at will" employment. If you are an "at will" employee, technically you can be terminated for no reason at all. Since this is usually your word vs. their word, it becomes difficult to prove. However, if you can prove the harassment – possibly with witnesses or pictures – this could be an important factor in your case.

Q. What is the difference between workplace harassment vs. a hostile working environment?

Harassment at work is any type of unwelcome action taken by either one employee towards another, or by members of management to subordinates. Management includes supervisors, the boss / owner or any person in a position of authority. Any unwelcome action towards an employee that violates the employee from performing job duties or makes the employee feel violated or uneasy can be considered workplace harassment.

A hostile work environment is when an employee experiences acts that provoke fear of going to work. Often, these acts are offensive intimidation initiated by the harasser. Yelling, being rude, and creating an environment full of severe stress results in a hostile work environment. Typically, hostile work situations are created by a boss or manager to provoke an employee or employees to quit their job.

Q. Are verbal threats considered harassment?

Verbal threats are considered a form of workplace harassment in West Virginia and many other states. However, until the harasser actually acts on the threats, you would only have a civil recourse and it does not become a criminal indemnity.

Q. Is slander the same as harassment?

Depending on the situation, slander is often considered a form of workplace harassment, especially if it was sexually oriented. Heinous lies, verbal attacks and rumors can discredit a person and cause not only stress in the workplace, but in his or her personal life as well. The law for slander differs from state to state. However, if you can prove the accusations, you may also have a case.

Q. I have been accused of sexual harassment at work; can my employer reprimand me without an investigation?

Employers are bound by most states to show that some sort of investigation was made in the event that an employee was accused of sexual or any type of workplace harassment. Employers can reprimand an employee through a verbal and written warning to be placed in the employee's permanent record. Sexual harassment in the workplace is a serious situation and can have a lasting impact on your career.