Tuesday, 27 September 2011

12 Tips to Get Cheap Car Insurance

Many drivers do not use their car much. If you work locally or just use your car to go shopping then your chances of having an accident compared to a person who works on the road or drives a long way to work each day is much less. Insurance companies make money if you don't have accidents so if they believe you are a low risk they won't mind offering you lower rates so if you fall into this category ask for a low mileage restriction in your policy.

Tip 7 - Buy a Cheaper and Smaller Car

If you want to drive down your motoring costs then buy a cheap car which is not highly powered - it will be much cheaper to insure every year and the chances are it will cost a lot less in running costs such as petrol and gas. Try buying a car that is commonplace so servicing and replacement parts are cheap. Avoid cars with modifications and extras that make them stand-out to car thieves.

Tip 8 - Take Third-Party Only

If your car has a high replacement value then fully comprehensive car insurance is essential in case of accidents but otherwise consider the calculated gamble of third-party only insurance if your car has a low value.

Tip 9 - Drive Slowly and Safely

Insurance companies love low risk drivers with a clean driving license as they rarely need to make a claim and so the insurance companies keep all of their premiums. Insurance companies do not like young high risk drivers as they are much more likely to have accidents through inexperience or showing off.

Driving slowly and with due care will help you build up your no-points bonus which will mark you out as a lower risk driver and will result in lower premiums and cheaper car insurance. Any convictions you get on your driving license all increase your car insurance premiums.

Older drivers are preferred by car insurance companies because they are proven to have fewer accidents, so if you fall into this category go to the specialist insurance companies that only offer policies to older drivers.

Tip 10 - Get Your Policies Under One Roof

As well as car and motor insurance you are surely bound to have other insurance policies i.e. home and house insurance. Try your current insurer as they should be wanting more of your business as it costs less to keep a current customer happy than find a new one.

Tip 11 - Pay Annually

Don't be tempted to spread your payment because by paying your car insurance in one lump sum single payment you will save a lot of money. With monthly premiums an amount of interest is added to cover the extra administration so over the long-run it ends up costing you a lot more.

Tip 12 - Named Drivers

Sometimes putting another driver on your car insurance will reduce your premiums. This is mostly the case when the other driver is older and with a clean driving license. They may never even drive the car but by adding them it adds credibility to your application and the insurance company will assume for part of time they will be driving the vehicle.

This article has been exclusively written by the team at insurance spain who aim to meet the needs of people (particularly expats) who are looking for various types of car insurance in Spain.

Copyright Insurance-Spain.com. Feel free to use this article online and in your email newsletters as long as you leave it intact and do not alter it in anyway. The byline and biography must remain in the article.

Article Source: http://EzineArticles.com/?expert=Mark_Eastwood

Article Source: http://EzineArticles.com/3182131

Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.

So if you have found a discount car insurance broker don't just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And there's ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

7 Cheap Car Insurance Tips

1. Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.

2. Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.

3. Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You won't get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.

4. Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.

5. Look at your policy when it comes to renewal time, don't just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.

6. Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.

7. Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don't just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.

So if you're in the market for cheap car insurance there's some ideas for you. Don't just accept that car insurance is always prohibitively expensive, get out there and do something about it.

For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Car Insurance as well as Cheap Car Insurance and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.

Article Source: http://EzineArticles.com/?expert=Peter_Crump

Article Source: http://EzineArticles.com/58559

Friday, 22 April 2011


It's hard sometimes to separate fiction from fact when it comes to the food you eat. There are so many corporate marketing incentives behind the promotions and advertising surrounding a food, that it's tough to determine who is being truthful. There are also always rumors that float around, and nobody appears to know where they originated or what kind of evidence supports their claims. Rumors can easily be a widespread accepted belief when they spread far enough and aren't challenged with scientific evidence.

Fortunately, plenty of evidence has surfaced recently in defense of the very universally treasured foods; Chocolate. It turns out, despite the rumors which have circulated for a long time, chocolate doesn't cause acne, it really is good for your skin.

There are plenty of various foods that offer great benefits to your skin. Foods like seafood, citrus fruits, nuts, whole grain products, and red and vegetables. These foods contain ingredients like E vitamin, Vitamin A, Omega-3 essential fatty acids, Zinc, and Vitamin C, which all contribute to skin health in different ways. E vitamin is known to fight inflammation and reduce skin-aging free radicals in the skin. Ascorbic acid also fights inflammation and neutralizes free radicals that prematurely damage and age your face. Additionally, it aids the body in the production of collagen, an essential protein that forms the fundamental structure of your skin. Omega-3 fatty acids reduce dryness and inflammation within the skin and also help to clear the heart's arteries to improve circulation. Good circulation is crucial to skin health. Zinc is also an essential nutrient that assists in new cell production and also the sloughing off of dead skin cells, which will help to give the skin a nice glow.

Although most people wouldn't include chocolate inside a listing of obviously appropriate food choices like whole grains and green vegetables, it really has some super nutrients of its own. It contains catechins and flavonoids. Polyphenols, such as the catechins present in cocoa, are in fact reported to absorb UV light, which might bring about the current findings that daily cocoa consumption actually reduces UV sensitivity within the skin. These catechins are also responsible for improved blood flow, that is so important for healthy skin. Flavonoids are also a little understood nutrient in cocoa with substantial health advantages to the skin. Recent studies show that a diet rich in flavanols decreases sensitivity of human skin to UV light and helps maintain skin health by improving skin structure and function.

The mechanisms through which cocoa flavanols improve skin texture are not known, but the increase in skin blood flow caused by these nutrients is likely to be one of the primary causes for an improved appearance within the skin. Although the tests that demonstrate these findings continue to be relatively preliminary, further study has confirmed most of the health benefits which come from a consistent diet of flavanol rich cocoa. Obviously, chocolate should be consumed moderately. There's a new kind of healthy chocolate that provides an ideal bite-sized portions for any healthy daily dose. It also comes filled with added nutrients and vitamins which help promote overall health as well as skin health.

Tanveer is a food expert, for any information of food please visit this site

Article Source: http://EzineArticles.com/6187420

Sunday, 21 February 2010


If you've been involved in marketing of any kind over the last two decades, I'm sure you've heard the saying, "content is King." Marketers, successful marketers, live by that mantra. When I look at the Internet what I really see are two things. There is the content and then there are the applications that allow you to interact with the content.

To completely over-simplify things, the applications are what make is possible for us to create, share, and use the content we find on the Internet. So to say content is King, you'd have to also say that the applications are Queen in order to have a more complete view of the Internet. There are all kinds of applications from the browsers that make surfing the Internet possible to all sorts of applications that manage and deliver the content.

Think about it. Without the application we know as Google, how would you find the content you're looking for on the Internet? I've been there and I remember finding things online was next to impossible, but that was back in 1987. Then we have Adobe TM Flash that allows us to see and hear sounds and images over the Internet.

There are sorts of content management systems available to us today that simply didn't exist a few years back. As it becomes easier and easier to manage and digest, the demand for new content grows and grows.

Marketers who create quality content often find they are able to generate large amounts of traffic, they usually have large mailing lists, and it almost goes without saying that they usually have healthy bank accounts.

It all starts with the content. The more you create, share, distribute, the better off you'll be in building a profitable business on the web. If you want the real secret to Internet success, this is it.

Content comes in many forms, and it's best to use as many forms as possible on your web site because there are now so many ways to access and use content and not everybody wants it the same way. Some people love to read, others prefer to listen, some prefer to sit back and watch a video.

As you develop your content, think about creating not just written articles, white papers, and special reports. Be sure to add streaming audio, podcasts, videos, screen-captures, and even animations to your mix.

Sometimes it's best to offer the same content in different formats. For instance, you might offer an article as both a regular web page and a downloadable.PDF file. You might offer a video and also offer just the audio track from that same video.

Now how do you get from creating content to building a successful business?

Think about why most people use the Internet. They get online and check e-mail. They log into their social networks to keep up with their friends. They search for information to help them answer a question. They look for things to buy. They come to play games and meet people. All of these activities revolve around finding and using content.

When you've got content on your web site and you make it easy for people to find, you increase the traffic to your web site, naturally.

The more content you have, the more people will be stopping by your webs site. Truly the days of the single-page sales letter web sites are done. You've got to do more than make a compelling sales pitch, you've got to demonstrate that you're the leader in your market. You've got to show people why they need what you have and how it will truly make their lives better. And most of all, you've got to let them sample your stuff before they buy.

Let's look at it from the customer's perspective. Your customer wants the best of what's available but how can they figure out what's best from a sales letter alone? They need more information that's not in the form of a sales pitch. They need to feel like they can try it on, test it out, and they can do that when you offer them plenty of content on your web site.

So if you're selling a product that is best demonstrated in a video, be sure you have a number of videos on your web site showing customers using and loving your product. If you sell consulting, demonstrate your knowledge of your topic with articles, reports, white papers, audio presentations, and even videos of you speaking about to an audience.

As you plan your content, also keep in mind how you're going to present it on your web site so that's its in the formats people can really use, that it's easy to find, and that's it readily accessible from different Internet devices, including smart phones.

If you'll take to time to do this, what you'll soon realize is that your sales letters will perform better, people will not need as much strong-arm salesmanship before they buy, your mailing list will grow, and your web site will show up in more places on the Internet.

It's no surprise that web sites that offer a lot of content lead the field when it comes to sales. Take a look at your web site today and think about how a new visitor would really get to sample what it is you do without having to buy what you're selling.

How good is your web site at attracting new visitors without little or no direct effort on your part? Do you have enough easily accessible content on your web site to keep people coming back for more?

Most web sites, including my own, can always use more great content. Adding content is the best and profitable use of your marketing dollars because the return on your investment continues for years.

For instance, in 1991 I wrote my very first article on marketing. It was published in a national business magazine a few months later and it continues to appear on the Internet almost 20 years later. In that time, this one article has been read more than a million times, and has generated countless sales for my business. What other kind of marketing can do that?

In my opinion, no other marketing piece can do what adding fresh content to your web site can. Ideally, you'll be adding new content regularly, and expiring content that is no longer relevant. When you do, you'll have the most profitable marketing strategy working for you all day, every day for years to come.

Robert Imbriale is the author of the best-selling book, Motivational Marketing (Wiley, 2007). He has personally coached thousands of business owners since he began coaching in 1995. He is a leader in the marketing industry and regularly appears on radio and television. To get your free copy of 'Why People Buy' go to http://www.UltimateWealth.com/money.htm

Article Source: http://EzineArticles.com/?expert=Robert_Imbriale


Let's face it, depending on who you talk to, Internet marketing means many things to many people. For some, it represents the road to a new lifestyle. For others, it seems like a way to get rich quick and make 'fast money'. Regardless of your belief, there's no doubt that professionals in virtually all industries now see internet marketing as a viable and real way to expand market share, and build business. For those who want to work from home, internet marketing offers the perfect solution to building a life of financial stability that many only dream of.

Like everything else, what internet marketing actually boils down to is simply a matter of perception. There are many who make a lot of money online. Ask any top online money earner and they'll tell you, it didn't happen overnight. Just like anything else, becoming successful at internet marketing takes a lot of hard work, discipline, and serious action. If you want to get rich quick, buy a lottery ticket because that's going to be your best bet to making money overnight and you know the odds of that.

To make money Online, you're going to need to be smart about what you're doing as an internet marketer and professional. You must treat it like a business, not a hobby. If you're not thinking about it that way, you're going to need to refocus. Making money online does not happen by accident. It doesn't happen automatically like turning on a key or flipping a switch. It takes much focus and hard work.

It's sad to say that unfortunately, there are those who run ads and promotions for internet marketing businesses that will have you believe something entirely different. Some ads represent some kind of a "hands free" business that runs by itself. Sure, once you've taken the time to learn how and you've set up your business properly, an internet business can produce income for you day in and day out, 24/7, 365 days a year. Just realize it takes time to build this kind of Online, money making business. It's not unlike any other business. It's something you'll have to work at and build over time.

I'm sure you've heard all the claims. Claims about industry leaders making hundreds of thousands a month. Well, for some it's true, at least in part. There are those out there making this kind of money and there are many thousands of others who don't yet make this much yet they've learned how to make very lucrative incomes just the same. Yes, it's true, Internet marketing is a tremendous business opportunity for just about anyone in any field.

Mitchell owns and operates a successful Online Business out of Colorado, USA. He is a business coach and personal mentor who assists serious Network Marketers in building lucrative and sustainable online businesses with multiple income streams.

To learn more or to contact Mitchell directly, visit: http://mitchelldillman.com/partner-with-mitchell/

Article Source: http://EzineArticles.com/?expert=Mitchell_Dillman


Everyone is always thinking about different making money ideas so that they can start making an income online but many of these ideas just simply don't work. The reason most of these ideas don't work is because they don't uphold the basic principles of making money on the Internet. If you're not familiar with the basic principles of making money on the Internet there is no way that your idea will make you money. You must first understand the principles and then you will be able to make money.

The basic principles are searching to see if your idea is already taken, tracking how much will have to be invested and if other people have been able to achieve success with something similar. When you come up with an idea you have to make sure that it upholds to these principles and then put it into action.

Here are 3 powerful yet simple income building ideas that you can start with:

#1 Write Articles For Money

One of the most popular things on demand right now is people who are capable of writing articles relating to different topics. There are many people who run their businesses from home and require other people to write articles for them because they simply do not have time to do it themselves. You can be one of the people who write articles and you will be rewarded with money for each article that you write.

#2 Promote Affiliate Programs For Profit

One of the basic ways to get started on the Internet is by promoting affiliate programs. The reason this is a basic way is because it's completely free to join and your only responsibility is to promote the program. There are many affiliate programs to choose from so you can even find something you have a passion for. Wouldn't it be great waking up in the morning knowing you will be doing something you love to do?

#3 Build Your Own Home Business

Even though building your own home business will take some time and hard work it is probably the best method to be able to earn income not only now but also in the long run. The best thing about this is that it's a money making idea that has been proven to be successful by many people. You are simply going to follow their footsteps and achieve success as well.

Do you want to learn more about how you can make money online? I have just completed a brand new marketing system.

You can see it FREE here - http://www.WorkInYourUnderwear.info

Willox Perez is a 22 year old Internet entrepreneur who is revolutionizing the way most people make money today. He teaches simple techniques that anyone can use to put extra cash in their pockets from their homes.

Article Source: http://EzineArticles.com/?expert=Willox_Perez


In order to be successful in the network marketing industry you have to make sure you do two things. First you have to always build your pipeline, this is basically getting people in the business and continuing to get sign-ups on a consistent basis. The next thing you have to make sure you do is duplicate your efforts and teach your downline how they can grow as well. One of the biggest benefits of network marketing is that you can benefit from that effort of your downline. One of the simplest ways to duplicate your efforts is going to be utilizing Internet business systems. Have you heard of them before?

When it comes to duplicating your efforts making sure that your downline knows exactly what to do so that they can start seeing results just like you are can be very difficult if you don't have some Internet business systems in place.

Internet business systems are basically effective and duplicatable websites that your downline can use to get sign-ups into the business. These websites are usually very targeted to the specific market that you are trying to target and they are very persuasive.

It will take some time for you to come up with or find one of these Internet business systems. But it will be very beneficial in the long run because you won't have to worry about showing your downline exactly what to do to get started since once they sign up they will know what to promote and how to promote it.

Obtaining one of these Internet business systems is going to do wonders to your organization and will help increase the overall business production from you and from your downline. Network marketing is a great industry if you know how to promote it the right way and with the power of the Internet there is nothing stopping you.

Do you want to learn more about how you can make money online? I have just completed a brand new marketing system.
You can see it FREE here - http://www.WorkInYourUnderwear.info
Willox Perez is a 22 year old Internet entrepreneur who is revolutionizing the way most people make money today. He teaches simple techniques that anyone can use to put extra cash in their pockets from their homes.

Article Source: http://EzineArticles.com/?expert=Willox_Perez