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.

Automobile Logo Designs – Moving the Automobile Business

The job of presenting a business image that attracts attention, creates curiosity and stirs emotions is carried out by the logo of an organization. Since a logo carries and shoulders a lot of important corporate responsibilities, designing a unique and creative logo is not as easy as it sounds. A logotype has to take care of many things and cover a lot of aspects before finishing the design. In order to come up with unique and awe inspiring logo designs, a logotype must first pay special attention to concept, execution and quality. The foremost and the most important thing that commands attention is the concept behind a logo. The only thing that makes a logo truly unique and creative is the concept, If the concept is not outstanding than the resulting logo would only live up to be average or above average at best.

Automobile Logo Designs

Automobile Logo Designs or Auto Logo Designs have a very rich and celebrated history. Cars have always been a symbol of status and luxury and the car manufacturing companies have always enjoyed a centre stage position with the media and the public eye. Automobile Logos usually have some form of automobile representation embedded into them by the designer. Some designers choose to use basic automotive forms and parts such as bikes, cars, trucks and their different components. Let’s suppose that a car tire manufacturer, seller, or agent needs to have a logo designed for his business. In this case the designer can use the shape, color, look and feel of a tire to express the nature of the business in a creative and unique way. Many automobile manufacturing companies also opt to animate their logos to give them a real life look.

While designing an automobile logo design, the logo creation should keep his focus on the exact them of the business or company. Let’s say that you are a Motorcycle store, and you business is selling heavy racing bikes to the speed enthusiasts. You wouldn’t like it a bit if the logo designer feature a car in your logo, would you? This is where the logotype had to pay special attention to details to carve out a most unique brand identity for the business or company he is working for. Automobile logotype are heavily influenced by certain color palettes and the most preferred colors for Automobile Logos are Red, black and blue since these colors are closely associated with the elements of power, speed and style.

Typically, dark color combinations are used in Automobile Logo Designs. Dark colors such as black, red or dark blue are used to attract attention by increasing mystery and adding class to the logos. Since cars are associated with adventure, excitement and the thrill of racing, these colors are used to make automobile logos more prominent, exciting and adventurous. Normally, the fonts used in automobile logo designs are freestyle or big fonts such as Gothic fonts. The preferred fonts of the automobile industry are fonts that have a sporty look and feel to them.

Automobile logotypes have the power to affect the overall sales of a particular brand of an automobile so it’s best to let an expert logo designer take care of this responsibility so you can enjoy the success of your brand.

Casino Hold ‘Em: The Poker Table Game Where Players Compete Against the Casino, Not Other Players

Casino Hold ‘em is similar to the king of all poker games, Texas Hold ‘em. The main difference being players compete against the house rather than other players. It is easy to learn and play, as long as you understand poker hand rankings. Novice players need not worry about being intimidated by other players. First let’s list the face value for each card and the five card poker hand rankings in sequential order:

Face Value of Cards

2 through 10 and Jack, Queen, King, Ace (2 is lowest, Ace is highest)

Poker Hand Rankings

High card – Five cards of different values with mixed suits and Ace being the highest.

One Pair – Two of the same cards such as 2, 2.

2 Pair – Two of the same cards twice, 7,7, & K, K

3 of a Kind – Three of the same cards, K, K, K, (AKA Trips)

Straight – Five cards in sequential order with mixed suits, 7,8,9,10, J

Flush – Five cards with the same suit in any order (5 Spades, Hearts, Clubs, Diamonds.

Full House – Trips and a Pair, Q, Q, Q, 8,8, (AKA, Full Boat).

4 of a Kind – Four of the same cards, J, J, J, J, (AKA, Quads).

Straight Flush – Five cards of the same suit in sequential order.

Royal Flush – 10, J, Q, K, A, of the same suit.

How to Play

A standard 52 card deck is used. All players must first make an ante wager before play begins. There is also an optional bonus wager called AA Bonus. The dealer will then deal his or herself two hole cards face down, and place three community cards face up in the center of the table. This is known as the flop. The community cards can be used by all players to complete their hands.

Players examine their cards and must make one of two decisions:

Fold – forfeiting the ante bet.

Call – Make a wager equal to two times the ante bet.

The dealer will then deal two more community cards face up for a total of five, and reveal his or her cards. The players and dealer make their best five card poker hand by using any combination of their own two cards and the five community cards.

The dealer must have a pair of 4′s or better to qualify. If the dealer does not qualify, the call bet pushes and the ante bet will pay according to the pay table listed below.

If the dealer qualifies and player beats dealer, the call bet pays 1 to 1 and the ante bet pays according to the ante pay table below.

If the dealer qualifies and beats the player, the player loses the ante and call bets.

If the dealer qualifies and ties the player, the ante and call bets push.

Pay tables may vary, below is supposedly the most common one:

Ante Bet Pay Table

Royal Flush – 100/1

Straight Flush – 20/1

4 of a Kind – 10/1

Full House – 3/1

Flush – 2/1

All Other – 1/1

Optional AA Side Wager

The AA optional side wager pays if the player is holding a pair of Aces or better. The bet pays even if the player folded the original hand. Here is the pay table:

Royal Flush – 100/1

Straight Flush – 50/1

4 of a Kind – 40/1

Full House – 30/1

Flush – 20/1

Straight – 10/1

Three of a Kind – 8/1

Two Pair – 7/1

Pair of Aces – 7/1

Strategy

Strategy is rather simple for this game according to gaming Analysts. Only the worst 18% of hands should be folded. Which are two low unsuited hole cards with no chance of a straight or flush when matched with the three-card community flop.