Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

Five Tips to Help You Get the Right Sterling Silver Ring

There is no denying that silver jewelry is exquisite. It is also known for its durability, appearance, and affordability. With 92.5 percent silver and 7.5 percent copper (or any metal), artisans mostly use sterling silver in rings and earrings.

Finding premium quality can be a challenge if you have an untrained eye. The popular jewelry material appears similar to platinum and pure silver and it is hard to spot the difference. However, to find a quality piece, it is important to know the difference between various jewelry materials.

There are numerous online and local jewelers selling imitations. Regardless of how unique and beautiful your ring design is, it is hard to assess its authenticity. However, if you think you do not have an experienced eye to pick up the real sterling silver ring, we can help you. These five tips will help you ensure that you are investing in the real deal.

Tips to Buying an Authentic Sterling Silver Ring

1. Assess The Ring Price: Assessing price is crucial as sterling silver is a precious metal and that must be reflected in its price. It is better to check the current market price of the material before you go to buy a ring. This tip will provide you a baseline to help you assess the ring’s price. Be aware of inexpensive deals and massive discount rates on the sterling silver rings

2. Look For Specific Hallmarks On The Ring: Luckily, sterling silver has certain specific hallmarks that distinguish it from other similar materials. Identifying these hallmarks is not easy as they are mostly in discrete places and can be incredibly tiny. You might need a magnifying glass and good lighting to check them.

’925′ or ‘STERLING’ are the two hallmarks that you can find on your ring when you physically inspect it. If your ring has any of these marks, it is of a good quality.

3. Ensure Authenticity with Physical Tests: This is one of the reliable ways to assess the quality of your ring. Simple, yet effective, these minor tests are harmless and do not take much time.

One way to test authenticity is to check if your ring latches on a magnet. If it does not have the magnetic property, it is pure and safe to invest money in.
Rub your ring with a white cloth, if you see black marks rest assure, you have made the right choice.

4. Talk to a jeweler: Talking to a jeweler will help you determine the price, quality, silver sourcing and hallmarks of the ring. Moreover, the jeweler will better guide you about the latest trends and designs in sterling silver rings.

5. Go For an Appraisal: Getting an appraisal is a convenient way to ensure the quality of your ring. Consult an expert after you buy the ring to make sure you have invested in the right product.

6. Bottom Line: Following the above-mentioned tips will go a long way in making sure you buy an authentic sterling silver ring. Although they are much more affordable form of jewelry when compared to gold, you still want to make sure that the one you buy is of very high quality.

How to Choose Your Ultimate Shoes That Will Get You Oozes of Compliments a Day

Buying the right shoes is an investment.

An investment in your foot health, but not just!

It’s also an investment in yourself, your look and the presence you project.

Why?

Because the shoes you wear say a lot about you.

They reflect who you want to be and what you want to show the world.

Different shoes will distinguish you,

Redefine you,

Tell a lot without saying a word.

We all know our self-image also depends on what we wear, and we change it,

And we can change how others perceive us.

But how can we find the right shoes to match our feet as well as our nature?

When you buy new shoes:

- Wait until the afternoon to try on new shoes – your feet tend to swell during the day, especially when it’s warm outside.

- Put on the right pair of socks, comfortable enough to wear with shoes.

- Our body is unsymmetrical, and often, one foot is slightly bigger than the other. Buy the shoes that fit well with the bigger foot.

- Always try out both sides, right and left. Finding out, much later that one side fits well, while the other is extremely painful, is not a great idea.

- Walk around. See how you feel. Enough room for your fingers? Check there is enough distance between your longest toe, and the tip of the shoe.

- If you’re not comfortable, do not presume the fit will improve in time. Find the shoes that’ll perfectly slip on your feet and make you feel wonderful from the second you put them on.

- Feel the inner part to check if any stitches or bumps might cause inconvenience, irritations or blisters.

- Test the soles. Are they strong enough to protect your feet? Try walking on solid, rough surfaces to see how resistant the soles are.

So, now that you know how to pick the right shoes without compromising on your comfort, it’s time to pay attention to design.

Here are a few style-selecting tips to add that life-changing presence:

How to choose your ultimate shoes that will double your presence in life and get oozes of compliments a day and remind you how special you are.

- Pick the shoes that will match your look and challenge your personality. Encourage a profound change in your style.

- Choose unique colored shoes that will fit your wardrobe and wonderfully upgrade your overall appearance. Colors add freshness and vibrancy.

- Pick the shoes with that intriguing design. You will probably be the only one wearing them in miles. Careful. Unique shoes draw the attention of complementing strangers in the street.

Prepare for ‘where did you get those.’

- Pick the shoes with quality, strong soles, and soft body, because when you’re comfortable, you’re beautiful.

- Search for hand-crafted shoes and feel proud supporting local manufacturing.

You can’t miss fine craft. Quality radiates with the prestige that declares who you are and what interests you.

- Keep away from overused trends. Purchase shoes you can wear for years.