Changing Auto Insurance Companies

Image : http://www.flickr.com

There are many different reasons, you may consider switching your car insurance, but there are also a number of things you should consider before making new ones, that a change from the old.

First you must be very sure that your new policy is already active, and we are working for you before making the switch. After a written confirmation of this coverage allows the switch with confidence. E-mail orfaxes, insurance companies can now deliver proof of insurance fairly quickly and without delays.

Once you do have that proof of insurance, you can request that your old company cancel your coverage. You have to be careful to make sure that you are providing the old insurance carrier with your new policy information. This is because insurance companies are required to notify the Department of Motor Vehicles if there is a gap or loss of coverage on your part. Giving them the new name and number they don't end up notifying the DMV- and this can save you a lot of grief later on.

Depending on the policy that is replaced you may still yet have some work to do before you can really be sure that everything is properly set into motion. If you changed carriers at the end of your car insurance term, it is usually not all that different from filing for a renewal. You will likely have to obtain a new invoice for your premium payment, new policy ID cards and make sure that your policy terms and conditions are correct. However, if you did change insurance mid policy, this may require a bit more legwork to do correctly. Firstly, make sure that you get a cancellation endorsement. Simply canceling your policy and letting the old insurer know is not sufficient- many people do this and then find that they have a bill for the next premium anyway, so make sure that you get this in writing.

Toss out your old

Visit : Digital Frame Insurance, Auto Insurance Hipmore Compare auto insurance Structured settlement protection act Life assurance quote

Auto Racing answering your questions

Image : http://www.flickr.com

For many, the true essence behind the wheel of a car speed, driving their cars. This is a rush of adrenaline that only compare a few things. Love, racing to beat the clock and other individuals with the automatic. Some people are content to see the show, but others must be at the heart of the action, to ensure that they are trying to find the assault.

Auto racing comes in many forms, some illegal and some legal. This is a sportTraffic has been the advent of advertising and continue to gain popularity as more cars racing on the famous and traditional advertising. If you find you love the road and want the thrill of competing, you want to know as much as possible racing possible. In this article we will see some of the key questions when it comes to this sport.

What is racing?

Motorsport is a sport whereAuto racing. You can order the clock or other drivers or race to see who has the fastest car and the best pilot. Racing dates the advent of the automobile. Even then, people are more interested in speed and outracing their competitors.

He grew up in a very popular sport, especially in the southern United States, where niche market has developed in its course very personal. People running everything from motorcycles, cars, trucksto win glory and honor. Some competitions on a competitive circuit and some professional amateur racing at local drag strips.

I do not want to compete in a race car professional, there are amateur races?

There are a number of amateur race, which happen every weekend across the country. Many of the clubs in the amateur race car sponsored. They give amateur riders the chance to compete against cars of its class to see who is the better driver with better carit is.

If you are interested in an amateur event, you must first determine whether your vehicle for racing and when the appropriate opportunity, to use with your vehicle. There is no guarantee that you wreck and this can cause a lot of business insurance to cover the payment of a frown. Also, there are safety rules that must be considered when you are going to race.

It is not dangerous car race?

Yes, Auto Racing dangerous. UsThere is no way past, you know I'm driving in a high speed and there's always the chance that you wreck. The wreck can be your fault or may be other drivers, but there is still a possibility. But the value of epinephrine, the risk is the thrill of driving at higher speed and against competitors.

If you take precautions and make sure the vehicle is not safety devices can reduce the risk of injury. You should always make sure yourCar is in good condition before the race. This means that the air pressure in the tires, checking the condition of the tires themselves and make sure your engine is running properly. With the right information and precautions to reduce possible risks that may occur.

I like the look amateur race on TV. There is to see good shows?

There are some great shows to see, but one that stands out Speed TV roses and pink All-Out You can relax inthe comfort of your home and see how amateurs race pride and joy against other runners. The winner gets to take home the car of the loser. This is not a show for the race car around the track, however. These cars are intended to drag strips and race as they can get going.

See Also : Hipmore Selling structured settlements

There really is a tank trip from Los Angeles!

Image : http://www.flickr.com

Los Angeles is a great city to live and visit. do the lights, towering buildings and tons of people that there is an exciting place. However, there are times when it could all remedies. Even with a limited budget, you can enjoy a change of scenery. One tank trip around The possibilities are almost endless.

When it's time to move away from Los Angeles that feed just kick the tires, gasoline, and head out to places like:

Vasquez rocks naturalArea Park - Agua Dulce, this 905 acre park is famous for its unusual rock formations. The park offers a perfect weekend and can quickly note that residents of Los Angeles, California, has some amazing expanse worth a visit.

Kimberly Crest House and Gardens - The goal is a French chateau in a building full of Redlands Italian gardens. The Villa is a scan of the glory of Kimberly-Clark Kimberly paper.

Santa Barbara County - the magic, beauty andto live much slower than Santa Barbara is famous for is really just a tank. In fact, cars are less than a tank. Santa Barbara County is home to a number of attractions worth a must-see list. Disk between Los Angeles and Santa Barbara, La Purisima Mission attractions include Quick Silver Horse Ranch, a number of wineries, parks and more.

Joshua Tree National Park - hiking, mountaineering, mountains and incredible views make thisNational Park is a precious haven for Los Angeles residents on a budget. The park is located about 140 miles east of Los Angeles and is known for its breathtaking scenery and climate of the desert adored.

The Anaheim theme parks in the area - Knott's Berry Farm, Disneyland, Anaheim and other attractions are a short distance from Los Angeles. These parks are a great way to get away from it all without having to travel too far.

San Diego - This beautiful city is only a hop, skip and a jumpsouth of Los Angeles. Just over a tank might be needed for some vehicles, but the stock is worth an extra in the sights of San Diego. The city offers many attractions including the very famous San Diego Zoo, Sea World, Old Town and more. During the journey may take some time depending on traffic, it is also worth a visit.

Oceanside - While Los Angeles has many beaches can get the masses out of control. If a different point of view is desired on the PacificOceanside is the place to go. The community has an incredible beaches and many other attractions, including golf courses, the Mission San Luis Rey, California Surf Museum, and much more.

When it's time away from everything that Los Angeles is a good starting point. From this city of Southern California, travelers can see national parks, theme parks, wineries, beaches and much more. Head in any direction of the city and there are miracles in this worth is no longer necessaryachieve a fuel tank.

Visit : Ferret remorgage auto insurance in arizona Structured settlement brokers

How cheap auto insurance in Georgia Get

Image : http://www.flickr.com

In Georgia there are many beautiful towns and cities to live in them. Most people think when they are ready the southern state of Atlanta to form one. This is not to deny that, in fact, Atlanta is a great place to live, but is usually even more expensive when it comes to price auto insurance. Find someone to an affordable insurance who want to live outside the borders of this great city, the prices were more in Atlantamore expensive than elsewhere in the country.

There are other ways to save on auto insurance for Georgia include this in not moving. A simple, its policy is installed through lower premiums with a safety car. This rule is an alarm outside the arm when leaving the vehicle. If somebody tampers with the vehicle while you are away will have a sound off. Insurance companies often reward drivers with a discount on the premium, ifinstalled. ready to prove the 'installation by a receipt or invoice showing the service.

If you are a young driver at home premiums are paid probably pretty high. A good way to reduce costs and make your insurance cheaper is the class they enroll in a driver training. These classes are often offered by local auto clubs, and consist of the time in the classroom and in the car. The student driver will receive a certificate once theCourse is completed and when the company entered the insurance rates should fall, parents and the new driver to appreciate both. Keep a stain on the honor list can also help young riders can benefit from a good student discount, which means lower premiums.

Tags : Student Loan Level term life assurance Gamesthes

Auto Repair Estimates and Car Repair Prices - The Real Information to Avoid Car Repair Scams

Image : http://www.flickr.com

Worrying whether or not you were overcharged for your car repair is an awful feeling. There's tons of advice on how to avoid getting ripped-off, but few discuss the actual car repair prices. We really need to look at the charges on a car repair estimate or auto repair invoice to determine if we're paying too much.

The focus needs to shift from giving outdated and ineffective advice to addressing the specific charges. Are they legitimate charges? Can they be justified by industry guidelines?

Now car repair estimates can be confusing. So let's break it down to get a better idea if your auto repair shop is billing you appropriately.

First, a glossary of terms is in order, as the auto industry has a language of its own...

Aftermarket Parts: parts not made by or for the manufacturer.

MSRP: Manufacturer's Suggested Retail Price

OEM: Original Equipment Manufacturer. Manufacturer approved parts designed specifically for your vehicle.

TSBs: Technical Service Bulletins. Notes and instructions provided by the manufacturer for known and specific concerns (they are not recalls).

Flat Fees: services such as alignments that don't get broken down into parts, tax, labor

Miscellaneous Charges: these can include, but are not limited to shop supplies - rags, chemicals, hazardous waste disposal fees, waste oil ...etc.

Labor Rate: a repair center's hourly charge to service your vehicle

Labor Time: the amount of time or hours determined that it will take to fix your vehicle

Labor Description: the step-by-step written details of repairs and/or services

Ok, let's look at the Anatomy of an Auto Repair Estimate:

There are six basic components to a car repair estimate

1) Customer/Vehicle Information

2) Parts

3) Labor

4) Miscellaneous Charges

5) Flat Fees

6) Summary of Charges

Customer and Vehicle Information
Using a generic "top down" style estimate, the top portion simply contains your personal information and your vehicle's specifics: year, make, model, mileage...etc, as well as your request or concern.

We also want find the shop's labor rate. The labor rate is critical in determining if you paid too much. Most repair centers don't list the labor rate. We'll discuss why shortly.

Auto Parts
Parts are listed usually with a brief description, as well as the quantity, and the price. There are three types of parts: OEM (parts made by or for a manufacturer). These are the parts installed by a dealer, although many local shops use OEM parts too.

Aftermarket parts are non OEM parts, and there are various degrees of quality, depending on the brand and where they're made - China versus USA, for example.

Then there are Used parts purchased from a salvage yard.

To determine if you paid too much for parts, first find out what type of parts are being used. With OEM parts, you don't want to pay more than MSRP, although most people do without realizing it. Premium aftermarket parts are similarly priced across brands, although beware not to pay more than MSRP, which again, many folks do. Used parts prices are all over the place, so pick the price in the middle.

Auto Repair Labor

Labor is billed in tenths. So 1.0 equals 1 hour. 1.5 equals an hour and a half.
Labor rates range from $60 to $100 per hour at local repair shops and $80 to $140 per hour at the dealer level. Labor times are based off established industry guidelines, which are frequently abused.

If you don't see the shop's labor rate posted on the car repair invoice, ask your service center for the rate. Repair shops can manipulate the labor rate (among other things) with a labor matrix. Matrix pricing is a complicated and ethically questionable practice discussed at length in RepairTrust literature. What you need to know is that you can pay as high as $150 per hour rather than the posted labor rate of $105 per hour.

Thus, you'll want to multiply the number of hours billed (which is also often not posted) by the shop's labor rate to determine if you've been charged accordingly.

Most labor descriptions are poorly written and difficult to understand. So ask questions.

Here's a "clear" labor description for a 30,000 mile service on a Toyota Camry.

Performed 30,000 mile service per customer request, and in accordance with manufacturer guidelines. Changed oil and filter, installed new air filter, cabin filter and performed all necessary tests, checks, and procedures, including road test (miles 30,123 - 30,125). Performed lubrication services and confirmed proper vehicle operation. Set tire pressures, and checked fluids, belts and hoses. Note: vehicle is pulling slightly left. Needs alignment

Miscellaneous Charges

The bulk of your car repair invoice will be parts and labor, but we can't forget about Miscellaneous Charges. These charges can include, but are not limited to, shop supplies - rags, chemicals, hazardous waste, disposal fees, waste oil ...etc. The latter of these may be billed out separately in a summary at the bottom of your repair invoice.

Very few of these "extras" are actually used during regular repairs. Miscellaneous charges are calculated off the amount of labor hours billed, not the amount of miscellaneous items used.

Flat Fees

Flat fees can be another very tricky area. Flat fees are services, such as an alignment, which don't get broken down into parts, tax and labor. This makes it difficult to determine the real and fair price. On the plus side, most flat fees are competitively priced.

Be warned however, another term for Flat Fee is called Menu Selling. In other words, you might see Tune Up: $99.99 or Transmission Flush: $89.99. Follow your manufacturer's recommendations only, not a dealer's or repair shop's menu.

For an interesting read on this topic, click
car maintenance costs

Summary of Charges

The last part of an auto repair estimate is the summary of charges. It's usually found in the bottom right hand corner of the invoice. Check it against the charges above to ensure that it all adds up mathematically, as well as logically.

This basic estimate outline may differ from your particular invoice, which may have other categories such as "Sublet" or "HazMat."

A sublet charge is added when your auto repair shop uses another vender to fix or repair your car, such as a glass company that replaces your windshield.

A HazMat charge may include waste oil or other disposal fees. Just make sure that the charges are warranted, as again, they too are often calculated off the labor time rather than actual need.

In sum, understanding the "actual" charges, asking the right questions, and breaking down your auto repair costs is the best way to avoid paying excessive car repair prices.

Recommend : game Hipmore Remortgage offers auto insurance in arizona

Auto Repair Estimates and Car Repair Prices - The Real Information to Avoid Car Repair Scams

Image : http://www.flickr.com

Worrying whether or not you were overcharged for your car repair is an awful feeling. There's tons of advice on how to avoid getting ripped-off, but few discuss the actual car repair prices. We really need to look at the charges on a car repair estimate or auto repair invoice to determine if we're paying too much.

The focus needs to shift from giving outdated and ineffective advice to addressing the specific charges. Are they legitimate charges? Can they be justified by industry guidelines?

Now car repair estimates can be confusing. So let's break it down to get a better idea if your auto repair shop is billing you appropriately.

First, a glossary of terms is in order, as the auto industry has a language of its own...

Aftermarket Parts: parts not made by or for the manufacturer.

MSRP: Manufacturer's Suggested Retail Price

OEM: Original Equipment Manufacturer. Manufacturer approved parts designed specifically for your vehicle.

TSBs: Technical Service Bulletins. Notes and instructions provided by the manufacturer for known and specific concerns (they are not recalls).

Flat Fees: services such as alignments that don't get broken down into parts, tax, labor

Miscellaneous Charges: these can include, but are not limited to shop supplies - rags, chemicals, hazardous waste disposal fees, waste oil ...etc.

Labor Rate: a repair center's hourly charge to service your vehicle

Labor Time: the amount of time or hours determined that it will take to fix your vehicle

Labor Description: the step-by-step written details of repairs and/or services

Ok, let's look at the Anatomy of an Auto Repair Estimate:

There are six basic components to a car repair estimate

1) Customer/Vehicle Information

2) Parts

3) Labor

4) Miscellaneous Charges

5) Flat Fees

6) Summary of Charges

Customer and Vehicle Information
Using a generic "top down" style estimate, the top portion simply contains your personal information and your vehicle's specifics: year, make, model, mileage...etc, as well as your request or concern.

We also want find the shop's labor rate. The labor rate is critical in determining if you paid too much. Most repair centers don't list the labor rate. We'll discuss why shortly.

Auto Parts
Parts are listed usually with a brief description, as well as the quantity, and the price. There are three types of parts: OEM (parts made by or for a manufacturer). These are the parts installed by a dealer, although many local shops use OEM parts too.

Aftermarket parts are non OEM parts, and there are various degrees of quality, depending on the brand and where they're made - China versus USA, for example.

Then there are Used parts purchased from a salvage yard.

To determine if you paid too much for parts, first find out what type of parts are being used. With OEM parts, you don't want to pay more than MSRP, although most people do without realizing it. Premium aftermarket parts are similarly priced across brands, although beware not to pay more than MSRP, which again, many folks do. Used parts prices are all over the place, so pick the price in the middle.

Auto Repair Labor

Labor is billed in tenths. So 1.0 equals 1 hour. 1.5 equals an hour and a half.
Labor rates range from $60 to $100 per hour at local repair shops and $80 to $140 per hour at the dealer level. Labor times are based off established industry guidelines, which are frequently abused.

If you don't see the shop's labor rate posted on the car repair invoice, ask your service center for the rate. Repair shops can manipulate the labor rate (among other things) with a labor matrix. Matrix pricing is a complicated and ethically questionable practice discussed at length in RepairTrust literature. What you need to know is that you can pay as high as $150 per hour rather than the posted labor rate of $105 per hour.

Thus, you'll want to multiply the number of hours billed (which is also often not posted) by the shop's labor rate to determine if you've been charged accordingly.

Most labor descriptions are poorly written and difficult to understand. So ask questions.

Here's a "clear" labor description for a 30,000 mile service on a Toyota Camry.

Performed 30,000 mile service per customer request, and in accordance with manufacturer guidelines. Changed oil and filter, installed new air filter, cabin filter and performed all necessary tests, checks, and procedures, including road test (miles 30,123 - 30,125). Performed lubrication services and confirmed proper vehicle operation. Set tire pressures, and checked fluids, belts and hoses. Note: vehicle is pulling slightly left. Needs alignment

Miscellaneous Charges

The bulk of your car repair invoice will be parts and labor, but we can't forget about Miscellaneous Charges. These charges can include, but are not limited to, shop supplies - rags, chemicals, hazardous waste, disposal fees, waste oil ...etc. The latter of these may be billed out separately in a summary at the bottom of your repair invoice.

Very few of these "extras" are actually used during regular repairs. Miscellaneous charges are calculated off the amount of labor hours billed, not the amount of miscellaneous items used.

Flat Fees

Flat fees can be another very tricky area. Flat fees are services, such as an alignment, which don't get broken down into parts, tax and labor. This makes it difficult to determine the real and fair price. On the plus side, most flat fees are competitively priced.

Be warned however, another term for Flat Fee is called Menu Selling. In other words, you might see Tune Up: $99.99 or Transmission Flush: $89.99. Follow your manufacturer's recommendations only, not a dealer's or repair shop's menu.

For an interesting read on this topic, click
car maintenance costs

Summary of Charges

The last part of an auto repair estimate is the summary of charges. It's usually found in the bottom right hand corner of the invoice. Check it against the charges above to ensure that it all adds up mathematically, as well as logically.

This basic estimate outline may differ from your particular invoice, which may have other categories such as "Sublet" or "HazMat."

A sublet charge is added when your auto repair shop uses another vender to fix or repair your car, such as a glass company that replaces your windshield.

A HazMat charge may include waste oil or other disposal fees. Just make sure that the charges are warranted, as again, they too are often calculated off the labor time rather than actual need.

In sum, understanding the "actual" charges, asking the right questions, and breaking down your auto repair costs is the best way to avoid paying excessive car repair prices.

Tags : Digital Frame Insurance, Auto Insurance Hipmore Mesothelioma attorneys Purchasing structured settlement

Medicare & Medicaid Doctor Directory - How to Find Doctors Who Accept Medicare and Medicaid

Image : http://www.flickr.com

If you are receiving Medicare and/or Medicaid, it can often be difficult to find a doctor, be it a general practitioner or specialist, who will accept your insurance. Unfortunately the payment schedules set up by the government have resulted in many doctors opting out of the system because they simply cannot afford the substantially lower payments for Medicaid/Medicare services as well as afford to pay for the substantially greater paperwork involved in taking such patients.

Sadly, government has had a tendency to reduce reimbursement payments, not increase them, and do not seem to be interested in covering the actual cost of providing services.

Not only that, but private insurers are not longer willing to "subsidize" public patients by paying higher rates, so doctors cannot shift the ever-increasing costs to them.

As a result, at a time when more and more doctors are opting out of the system, those doctors who still take Medicare and Medicaid patients generally limit the number they will serve, so finding a doctor who will take your Medicare or Medicaid insurance is not as easy as simply opening the phone book and making a phone call. Indeed, it probably will take some real time and effort on your part.

There is not, and never has been, any requirement that doctors treat patients insured by Medicare or Medicaid. Therefore, people with Medicare or Medicaid are increasingly turning to federally funded clinics, or even to emergency rooms that cannot, by law, turn them away. Sadly, using emergency rooms for non-emergency health care is unbelievably expensive, making the lower reimbursement Medicare/Medicaid rates not financially wise in the long run.

So, how do you find a doctor that will take new Medicare/Medicaid patients?

Well, first of all, do not expect to find a doctor or, should you find one or a clinic taking Medicare/Medicaid patients, do not plan on getting an appointment quickly. Sadly, that will not happen very often. Indeed, if you need quick care, the emergency room is likely to be your only recourse.

To track down Medicare/Medicaid providers, you can contact your local health department or social service agencies to find out more information and there are a number of Medicare and Medicaid doctor directories online. While they cannot guarantee you an appointment, they do have access to information about current providers.

You can also go to the Medicare website at Medicare.gov or call them at 800-633-4227 (TTY 877-486-2048) to find Medicare providers in your area, although there is no guarantee they will be accepting new patients. It is worth a try, though.

Also, managed care is probably a better bet than private practice. HMOs organized by private insurers have a practical interest in having HMO doctors taking government-insured patients, while Prepaid Health Plans (PHPs) are generally run by hospitals or medical schools, and often only accept Medicaid patients.

See Also : Digital Frame Insurance, Auto Insurance game Get auto insurance quote