Monthly Archives: March 2014

Cheap Car Insurance For Teens Some Tips And Advice

One of the most important tips anyone can offer a teen driver about obtaining, and keeping, cheap car insurance, is the tip of driving safely and responsibly. This advice does not mean just buckling up and driving the speed limit. Driving safely and responsibly goes beyond those basics especially for teen drivers.

Below are some tips and advice for teens to drive safely and responsibly.

Obey the law. Obeying the law means buckling your safety belt (wearing a safety belt is a legal requirement in most states); driving the speed limit (speed limits change in different parts of town, especially in school and work zones); knowing, and respecting, what the colors of traffic lights mean; not driving under the influence of drugs, alcohol, or any other controlled substance; placing at least the length of one vehicle between you and the car in front of you; always signaling your next move to the vehicles surrounding you; and driving only during the times drivers your age are legally allowed to drive.

Respect your surroundings. Respecting your surroundings means driving in accordance with everything around you. Drive slower than the speed limit when weather elements such as rain and snow require it. Keep watch of pedestrians, especially children who may be playing close to the road. Pay attention to all vehicles around you, especially in high traffic areas.

Avoid unnecessary distractions. Unnecessary distractions include things such as putting on make up, eating, chatting on your cell phone, blasting the radio, and cramming too many friends into your vehicle. Many states have laws regulating how many passengers teen drivers are allowed to have. Know, and follow, those laws. When in doubt, never allow more passengers than your vehicle has safety belts.

Car insurance companies already view teen drivers as high risk. By driving safely and responsibly, teen drivers can keep traffic violations and accidents to a minimum, thus helping them maintain cheap car insurance.

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Cheap Car Insurance For Teens How To Keep The Rates Down

The teenager shopping for car insurance is at a decided disadvantage. Car insurance rates are based on age and driving experience as well as driving record. The best way for teenage drivers to work their way into better rates is stay on their parents policy in order to gain driving experience and a driving record. There is a good chance that after three years and a clean driving record that a preferred policy from the parent’s insurance company can then be issued on the teen drivers that want to have their own car and pay for their own insurance. There are numerous discounts for the young driver today. Drivers training education is the most common discount. The drivers training course normally consist of 30 hours of driving with an authorized instructor along with 6 hours of classroom work. Some companies give discounts for good students that carry a 3.0 grade point average in high school or college. There is also a resident student discount available by some insurance companies. The student has to live over 100 miles away from home to receive this discount.

Age Rating Tiers Most insurance companies have age rating tiers on young drivers. The ages from 16 to 21 is one tier and the rates are the highest in this time period. The next age tier begins at age 21 and ends at age 25. The rates drop significantly at age 21 and again at age 25.

Vehicles Make a Difference The younger the driver the higher the rate. The rates are very high for young drivers on newer vehicles that require collision and comprehensive coverage. Older vehicles that only require liability coverage as a minimum state requirement is one way to cut costs for the teen driver. Utility vehicles like pick-up trucks receive a small discount and the teen driver can take advantage of that discount also. The teen driver needs to stay away from high performance vehicles and sports cars because the rates will be very high and these cars may not qualify for standard car insurance.

Cheap Car Insurance For Teens Keeping The Rates Down

Teen drivers are notorious for having higher car insurance rates than older drivers. The main reason for this is car insurance companies see teen drivers as high risk. Teen drivers do not have the experience that older drivers usually have; plus, they are more easily distracted by other drivers, friends, and the excitement of being out on the road and out on their own.

However, it is possible to find and keep cheap car insurance for teens. Below are a few tips on how to keep the rates down.

Make sure your teen driver takes a driver education course. Many states require teen drivers to take a driver education course, and many high schools offer driver education courses as part of the curriculum for those students old enough to begin the process to obtain their driver licenses. Plus, most car insurance companies offer cheaper rates to those teens who have taken, and successfully passed, a driver education course.

Encourage your teen driver to do well in all classes. By making good grades in all classes, including the driver education course, and even landing the honor roll, teen drivers may be rewarded by being offered discounts on their car insurance rates; depending, of course, on the car insurance company.

Keep your teen driver on your car insurance policy. Having your teen driver on your car insurance policy is much cheaper than paying rates for a completely separate car insurance policy. And, if your teen has his or her own car, you can usually get a discount by addition the vehicle to your current car insurance policy.

These three tips on how to keep insurance rates for teens down are three of the most recognized and used by teens and car insurance companies alike. Talk with your current car insurance company about what discounts they reward teen drivers, as well as additional ways to get cheap car insurance for your teen driver.

Cheap Car Insurance For Students – Is There Such A Thing?

Cheap car insurance is out there

My college days were laced with phone calls from the motor vehicle department reminding me of my many speeding tickets and moving violations. Although they never revoked my license I don’t think a driving record can get much worse without losing your license altogether. A driving record like that along with being younger than 25 years of age and you are looking at some very expensive insurance rates. At one time I had fifteen tickets on my record. Cheap car insurance was not the question. Getting at all was the issue. Many companies would not even insure me. Those that did would not touch me for less than $600 per month. To make a long story short I did end up with insurance that was affordable. Even with tickets from my state and 3 surrounding states.

What to watch out for

Before running out and getting quotes from all over the internet there are some things to know. I was able to find insurance for about $136 per month while having that driving record. I also forgot to say that I had one accident claim on record also. I was able to find very affordable insurance. The difference is the coverage. I did have to give some things up. Many companies are very different in what they offer. It could range from free vehicle towing to very high deductibles. Be sure to compare not only the quoted rate but the coverage also. And remember, in three years most states will clear your driving record and when you hit the age of 25 your rates improve dramatically.

Please see our recommended source for all insurance quotes. We have done the research so you don’t have to.

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Cheap Car Insurance For Lady Students

If you are a lady student, you probably feel like you have the weight of the world on your shoulders. You are in class everyday, paying attention, taking notes, doing your part to participate in class, only to run back to your dorm at the end of the day to get ready for an evening’s worth of work. After all, someone has to pay for your food and credit cards, right? Instead of leaving work for a nice, relaxing night of sleep, you head to the library to study for a big exam in the morning.

Stress, stress, stress!

One thing that does not have to stress you out is your car insurance policy. You see, since you are a lady student, you are actually eligible for two different ways to get cheap car insurance: the fact that you’re female, and your student status.

If you have purchased a car insurance policy on your own, your gender could get you a discount. Statistically speaking, lady drivers are safer drivers than gentleman drivers. This doesn’t necessarily mean that female drivers are better at driving than male drivers, but it does mean that the majority of lady drivers drives safer cars, gets fewer traffic tickets, and is involved in fewer car accidents than gentlemen drivers. Therefore, car insurance companies are more likely to give cheap car insurance to lady drivers than to gentlemen drivers. So, if you’re looking for cheap car insurance for yourself, make sure to ask the insurance company about discounts for lady drivers.

If you can’t afford to purchase your own car insurance policy period consider staying on your parents’ car insurance policy. It’s better than driving illegally, and you can pay them for your part of the bill. Your parents’ will get a discount for having more than one car on their car insurance policy, and your status as a student may even get them an additional discount.

Using Weight Gainers To Build Muscle Mass

Using Weight Gainers To Build Muscle Mass

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People hit the gym for all manner of different reasons, and included in that diverse group are those looking to put on weight so that they can bulk up on their muscle mass. They are often recommended to look at the best weight gainers on the market, as these products can seriously help them reach their weight and muscle goals. More often than not, weight gainers come in a powdered form, which is then mixed with water, milk, or juice to essentially create a meal that takes a lot of time to digest.

Let’s break down weight gainers a little to get an idea of what they are. Simply put, a weight gainer is a mixture of all the things that your body needs to create fuel that will allow you to work out hard. It is calories and protein that are delivered in the biggest amount, as those are what the body really needs in order to build itself up. Imagine taking all the food that you would eat in any given day, grinding it up, and turning it into a powder, and you get an idea of what weight gainers are about.

The best weight gainers will undoubtedly help you gain the weight that you want, but not all products are created equal. It wasn’t so long ago that many powders on the market boosted calories and fat, which essentially meant that all of the weight gain was seen in the belly, with almost no muscle weight gained from the usage. Modern powders have learned from those mistakes, though, and science has been applied to ensure that the rights concentration of what the body needs is included in the best brands.

Choosing the best weight gainers comes down to knowing what to look for on the label. You should ideally be looking for a high calorie count, with a number over 900 considered the best. Fat content is also important, so make sure that the powder you use id lower than 5% fat. You may already be aware of the importance of protein in a weigh gainer, which means looking for a 50 count or higher, assuming of course that your goal is to add some serious muscle and not to slim down. If you can find a weight gainer that checks of all of those boxes, then you will have found a good one.

If you want to get the most out of your best weight gainers, you need to take the time to read the instructions that come with them. If you think of your body as a machine and a weight gainer as the fuel that powers it, you can see how important it becomes to make sure that your body gets exactly the right amount of fuel that it needs to get from Point A to Point B. If you don’t read the instructions correctly, you can do some damage to your body, and you most certainly will not achieve the results you were after.

Cheap Car Insurance For Convicted Drivers

There are many different reasons a driver mat lose his or her driver’s license. He or she may:

Be convicted for a crime involving a motor vehicle resulting in his or her driving privileges being revoked or suspended. (An example of such a crime is driving under the influence (DUI) or driving while intoxicated.)

Fail to meet the requirements of his or her probation and/or be found in violation of the court system, including failure to satisfy traffic tickets and/or violations.

Have accumulated more points that allowable by their State on their driving records.

All of these reasons can make it difficult for drivers convicted of these offenses to obtain cheap car insurance once they’re ready to fire up the ol’ T-Bird and head back out on the road. Granted, finding cheap car insurance for convicted drivers is a lengthy process you must be patient and persistent but it can be done. The first step is to correct the offenses that made you a convicted driver, and your car insurance company may even be able to help you along the way.

Drivers convicted of DUI/DWI offenses can usually attend special classes focuses on the dangers of driving drunk. This doesn’t mean their licenses will be returned to them any sooner, but it does mean they may be able to knock a few points of their records and even make their insurance companies smile.

Meet the requirements of your probation and anything else required of you by the court system. Period.

Ask your insurance company about special defensive driving courses in your area that will help reduce the points on your driver’s license.

Remember, sometimes these solutions are available, and sometimes they’re not. Talk with your current car insurance company, or even a new car insurance company with which you’re considering doing business, and inquire about ways to get cheap car insurance for convicted drivers.

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