Tips for Choosing an Insurance-Friendly Car

In your quest to find the best car insurance for less, you might forget how the type of car you drive will affect the cost of your insurance. When you’re out shopping for a new car, you should consider the cost of insurance in order to keep your car on the road. Of course, there are other factors that determine your monthly premiums, but the car itself plays a critical role.

For example, insuring a sensible Toyota Aygo 1.0 VVT-i costs about seventy percent less than it costs to insure the Volkswagen Phaeton W12 450 Motion LWB that you’re so taken with. That’s quite a difference! So if you’re on a shoestring budget, start by purchasing an insurance-friendly car. The following five tips should set you on the path to success.

Research premiums

Before you head out to the car dealership, get online to compare quotes for the year, make, and model you’re interested in. The results might force you to change your mind. Although there are ways to cut the costs of your premiums, such as foregoing comprehensive coverage and increasing your excess, you should never sacrifice quality coverage for a flashy new car.

Avoid high-performance vehicles

Large SUVs, luxury cars, sports models, and other fully loaded vehicles attract premium car insurance rates because they’re expensive to repair or replace. The car’s safety is another crucial consideration – a small sports car built for speed generally offers limited safety features and attracts more reckless drivers than a modest family sized sedan. The fact that these cars are also gas guzzlers will also increase your costs.

So if you’re not prepared to pay the extra costs to keep your dream car on the road, you’re better off avoiding high-end vehicles. A sensible choice won’t wow your friends, but it will be easy on your pockets.

Research the average costs for repairs

Insurers charge premium rates for cars that are expensive to repair, or if the parts are hard to find. Determine the costs to repair and maintain the vehicle in your area before you purchase the car. There are many resource sites where you’ll find the average cost of repairs based on the category. Or you can take a different approach and just search for cars that are cheapest to repair and choose some worthy considerations from that list. This research will cut your insurance costs, but you’ll also safeguard your pocket from costly repairs for damages that are not covered with insurance.

Know the stolen vehicle statistics

You’ve probably guessed: cars that typically attract thieves are more expensive to insure. You can find out about stolen-car statistics through AVCIS, the Vehicle Crime Intelligence Service or similar organizations. Fortunately, your brand new car will not be a prime target for thieves so your insurer might cut you some slack in this area.

Get a less expensive model

The extra features that are included as a standard part of high-end cars might be convenient for you, but costly to repair. So your insurer will include your built-in navigation system and sunroof in their rate calculation tool and jack up your premiums. A new car will drain your pockets as it is, so you’ll need to do everything possible to cut back on your car insurance. Forego the luxuries, and you’ll not only save money on the sale price of the car but also reduce your insurance premium.

Third Party Insurance Is A Vital Coverage Offered By Car Insurance Policy

When driving car on the roads, you can never be sure about the hassles that might come upon you in the form of car damage, accidents, injury and so on. It is possible to get into traffic congested roads and bump against another car. Even a small accident can result in huge expenses because repair costs are on the rise. A car insurance policy will help reduce the loss by providing compensation. This is one of the many situations in which it comes to your aid and there are many more.

What Protection Do You Get From A Car Insurance Policy?
A basic car insurance policy will pay out if there is any damage to the vehicle in the event of an accident. If the car is damaged due to man-made or natural disasters, the policy will pay for losses. One of the critical areas where it comes to your aid is third party liability. If your car accidently happens to hit another vehicle or someones property, they can sue for damages. You can cope with liability expenses through compensation offered by the third party insurance coverage. It will help pay for damage caused to third party which can put a severe strain on your finances. In the event that you car collides with another vehicle which results in damage to that vehicle or injury to the driver, it can be used to meet expenses arising from the situation. In the event of a personal accident which causes loss of life or permanent disability to the driver it will pay out a lump sum.

Car insurance offers many add-ons that can be used to reduce expenses even further. These include on-road repair in event of minor breakdown, towing expenses, assistance for lock out or lost key, emergency fuel expenses and flat tyre change. You can also opt for benefits such as depreciation cover, invoice price cover, medical expenses, daily hospital cash and coverage for personal accident to fellow passengers. These additional benefits help bring down so many different types of losses, making them easier to bear.

Important points to note about car insurance
In the event that you sell your vehicle, existing insurance policy can be transferred to the new owner. You can also transfer it to the new car that you have purchased to replace the old one. Policy coverage is applicable only for a period of 12 months after which it has to be renewed. Policy renewal can be easily done online, which saves time and efforts. When you renew the policy without fail every year, your car will not be inspected. You can also avail the no claim bonus which gives a reduction on the premium cost. Premium costs will also be reduced if you have an ARAI approved anti-theft device installed in the car. Car insurance claim process is easy and can be completed online by filling the claims form and submitting it along with required supporting documents.

Italian Rolex replica watches

In the world of replica Rolex watches, those that are Swiss-made are assigned the highest rating because of their level of quality. Its been said that its almost impossible to distinguish them from authentic Rolex timepieces.

However, despite being just replicas, they do not come cheap, being priced in the mid-hundreds to the thousands (in US dollars). Sure, that kind of price is still a lot lower than what an original Rolex goes for, but its still out of reach for many who want a quality replica Rolex watch. So what can these people do? They can turn to a replica of a replica, of course. Specifically, those Rolex replica watches that are made in Italy.

Just as Swiss-made Rolex replicas are almost identical to authentic Rolex timepieces in every respect, so the Italian-made fakes are true to their Swiss counterparts. Experts say its difficult to tell Swiss-made fakes and real ones apart; now its also said that its just as difficult to do the same thing when it comes to Swiss and Italian replicas. The only difference is that the Italian-made Rolex replicas are lower in price than their Swiss cousins; they generally cost about 50-60% lower.

If Italian Rolex replicas are just as good as the ones made in Switzerland, why are they cheaper? Its partly because the excellent reputation of the Swiss fakes precedes them. But as word of the quality and Italian counterfeits spreads, more and more people are taking a second look at them and it isnt at all improbable that they will grow in popularity.

After all, if you can get the same quality at a cheaper price, then why not go for it?

Like Swiss replicas, fake Italian Rolex watches also cover a number of models and varieties. Consumers can choose from watches in counterfeit Rolex collections such as the Daytona, Submariner, Sea Dweller, GMT Master, Yacht Master, Daydate, Explorer, Datejust, Presidential, and Cellini.

Replica merchants both on the Internet and offline carry these models and more, and many of them offer both Swiss- and Italian-made versions. Their success as replicas hinges on the fact that they reproduce the traits of real Rolex watches so convincingly.

They carry the same markings and engravings, they are water- resistant, they are made of the same materials and some even carry a one-year warranty.

But, as mentioned earlier, price is the big differentiator. An authentic Rolex Yacht Master watch, for example, costs around US$30,000. A Swiss replica of this model would cost about US$700. But a well-crafted Italian copy, which looks and feels exactly the same as a Swiss replica, can be purchased for less than half that price around US$300.

Italians, like the Swiss, are known for their excellence when it comes to design. While they cant take the credit for designing such watches as Rolex does, these Italian replica Rolex manufacturers maintain their reputation for high quality products that are fashionable, contemporary, and elegant even if its in the dubious context of the world of replica watches.

Men’s Accessories To Match The Latest Fashion Trends

We men are always busy in purchasing the trendiest clothes. But there is hardly any time given towards selecting the right set of accessories to go along with them. A good accessory on to complement with your dress can make a whole lot of difference to the way you look and carry yourself. It is one essential part to carefully look into.

Adding a little tweak with a right accessory can make your clothing look stylish, dashing and elegant. Also they will give the great finishing touch. Hence, it is necessary for men to consider them. Below are some popular accessories in the latest fashion trends network.

Scarves-Dont just consider these as a medium to save you from shivering in the winters. Today, it is making a big style statement for men. Using scarves this season in different colours will be a great choice. For example, if you put on a dark suit, try a bright green on white scarf to go along with it. Always choose the ones made in cotton or soft wool. Also consider the printed or striped ones.

Bracelets- If you happen to wear a shirt with three quarter or half sleeves, then wearing some kind of jewelery will add the classy touch to your look. Try out a designer bracelet made of metals or leather. Consider having the bright ones like silicon or crystal stretch bracelets.

Armbands-For men who have attractive arms, wearing an armband will make them look even funkier. So putting on a designer armband made of leather, metal or silicon would be appropriate. When hanging out in a sleeveless top, an armband will give you a bold and manly look.

Pendants-Sober and simple looking pendants are no more in trend for men’s fashion. Today, men are wearing bold and stylish pendants that are bright and colourful. Select the metal ones with stone work. Leather and silicon ones would also do. Choose pendants in rectangular figures or beast shapes carved on them.

Leather necklaces- If you are a person who wears V-neck shirts, wearing a leather necklace is essential. It is sure to enhance the appearance of the collar bone and gives you a better look. Buy one with the stone locket or designed metal. But if you have a thin neck, make sure they aren’t very wide. Picking a dark leather necklace is always advisable.

Its wonderful to see how one small piece of accessory can add so much style and elegance to your look. If chosen wisely, these are sure to make you stand out in the crowd.

Tips On Wearing Mens Cardigans And Jumpers

The arrival of winter leaves many people breathing sights of discontent. Thats not just because of the poor weather the season brings, but also because it means an end to a usually colourful and inventive summer wardrobe.

Clothes in winter often dont seem to have the same creativity or spark as their summer counterparts. But this doesnt have to be the case with a little imagination, staples like cardigans and jumpers can still ensure that your winter outfits stand out from the crowd.

How To Wear Cardigans

The resurgence in popularity of the mens cardigan over the last five years has much to do with its convenience. Simply slip on a cardigan over your t-shirt and your outfit is complete. But there are different types of cardigans, each of which is suitable for different occasions. Pair plain button-down cardigans with tailored trousers and a collared white shirt for office-wear thats smart but not overly formal. Look for these cardigans in a delicate fabric like Merino wool, which is thin but warm and avoids adding bulk to your silhouette.

Cable knit cardigans, on the other hand, are chunkier and more suited to casual wear. Pull a cable knit cardigan over a t-shirt for a relaxed dinner out or a wander around a Christmas market. Hooded cardigans are a great casual option too: these look best worn over jeans and a t-shirt, and under a blazer for a chic but laid-back vibe on a night out.

The Best Jumpers For You

Similarly, there are several types of jumpers that suit different physical frames and personal styles. Crew neck jumpers, for instance, are ideal over a t-shirt while v-necks better accommodate collared shirts. Some mens wool jumpers can be bulky, adding unnecessary padding to your appearance. Fabrics like Merino wool may seem thin but are actually great at keeping you warm, so are ideal for smarter jumpers. Try wearing a Merino wool jumper over a shirt and tie for elegant office-wear, or under a suit jacket at a winter wedding.

Alternatively, funnel neck and roll neck jumpers are luxuriously warm and lend themselves to layering. These jumpers cover your whole neck so theyre perfect for cold climates, though theyre often better suited to tall and slender men. More petite men may prefer jumpers with a few buttons at the neckline. This simple detail prevents high neck jumpers from making your physique appear smaller, and is the perfect way to give your body some air when it gets a bit stuffy on the bus or tube.

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