Finding Cheap Car Insurance

Finding cheap car insurance can be a lot like finding a needle in a haystack. It’s long and frustrating and can lead to fits of uncontrollable swearing and temper tantrums. However, unlike the endless quest for that needle, finding the least expensive car insurance has a point. The more coverage you can get at the lowest price means more money in your wallet and a lot less stress about paying your other bills.

But which companies offer the cheapest insurance? That really depends on what you’re looking for. The amount of coverage you want will determine the price, along with your age, driving record and where you live.

Take for example, Geico. Everyone knows the little green gecko ads. They are extremely effective. But how much would they charge a 21-year-old male living in the suburbs outside of Boston, MA? Let’s say that 21-year-old is looking only for liability coverage, forgoing comprehensive, collision and medical coverage for a 1995 Chevy Cavalier. Let’s assume he has a clean driving record with no accidents or speeding tickets reported. If he selects all the minimum liability amounts for bodily injury, property damage and personal injury, his premium will be $83.30 a month, or $999.60 per year. That same 21-year-old living in Carmel-By-The-Sea in California would pay $56.32 a month or $675.84 a year for insurance, under the same conditions, searching for the same amount of coverage.

As any smart shopper would, it pays to check out Geico’s competition. A quick visit to Amica Mutual’s web site, using the same criteria with the same 21-year-old male, shows he would be paying an annual rate of $799 in suburban Massachusetts and $695.54 in sunny California. So the 21-year-old in Massachusetts would be smart to choose Amica Mutual for his car insurance, while the 21-year-old in California would more than likely choose Geico.

Why the discrepancy? Different states demand different minimums for liability coverage. Massachusetts sets minimum bodily injury liability coverage at $20,000 with a maximum payout of $40,000 per accident, along with a $5,000 limit for property damage. There is also a mandatory minimum for any uninsured drivers who might get behind the wheel of your car, also set at $20,000 with a max payout of $40,000. In California, the minimums are lower, with bodily injury set at $15,000 with a max payout of $30,000 and a minimum $5,000 property damage liability coverage. California does not require drivers to carry coverage for any uninsured or casual drivers who might get behind the wheel.

One good indicator of where to start looking for cost-effective car insurance is consumer surveys. Survey giant J.D. Power & Associates rank customer satisfaction with insurance companies annually. In their latest ranking, Amica Mutual topped the list, with State Farm and Shelter taking the second and third spots. Some other big names, like Geico and Progressive ranked further down the list, coming in at nine and 14, respectively.

One thing cannot be stressed enough: where you live plays a large role in determining how much you pay. Keep in mind, our 21-year-old in Massachusetts was living within 25 miles of a major urban centre, with a higher population density than picturesque Carmel-By-The-Sea. In fact, Massachusetts is one of the more expensive states where one can obtain insurance. In a nationwide survey done in 2005 (the latest figures available), five Northeastern states (New Jersey, New York, Massachusetts, Rhode Island and Delaware) ranked in the top 10 most expensive states for car insurance. Connecticut comes in at number 11. Drivers in New Jersey drivers pay an average of $1336.20 in premiums a year. Only Maine, with its sparse population, ranked in the top ten for lowest car insurance rates. The Midwest makes up the rest of the list with Iowa being ranked the cheapest place to obtain car insurance. Drivers in Iowa drive easy knowing they’re paying an average of $664.20 in premiums every year.

When you do start looking for insurance, be sure to prepare. Remember that no one company offers across-the-board cheap rates, and be sure to compare quotes. Take advantage of any discounts you might be eligible for, including multiple car options and group rates. The best thing to do is find a rate that you can afford that covers everything you want. Don’t let a cheap quote that cuts corners entice you, because in the end, you get what you pay for.

source: http://news.carjunky.com/car_insurance/cheap-car-insurance-cdh788.shtml

Squatting toilet for Better Health

Bladder dysfunction may actually be reduced in various ways. One of them by reducing the consumption of beverages containing caffeine, alcohol, and drugs.

"Caffeine is a substance that can boost heart rate and increased urine production," said Mulyadi Tedjapranata, Medizone Clinic physicians in Apartment Taman Kemayoran, Central Jakarta.

According to Mulyadi, urinary disorders prevention efforts could be true as early as possible. Some ways you can do is get used to not resist the urge to urinate. For the kids, doing exercises urinating or even toileting assistance was to be done since the children aged below five years old or a toddler.

Another effective way is to avoid the use of the toilet seat. The use of the toilet seat in the long run will increase the risk of urinary tract infection that can lead to urinary problems. Because the surface of the toilet is generally to mediate the spread of germs. The use of squat toilets are even more better.

The reason is, this will make users not in direct contact with the surface so that more hygienic toilets. "Moreover, if you frequently use public toilet facilities, better squat toilets," he said.

Not only that, the use of the toilet seat also makes muscles of the urinary tract to work harder when twitched or remove the urine. In the mild stage, urinary tract infections are usually marked with Anyang-anyangan or discharge of urine which was completely, lower abdominal pain, and pain at the end of urination.

This condition would interfere with our activities. In fact, if allowed to go on, it can cause urinary tract infections, psychosocial disorders such as depression and sleep disorders.