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December 7, 2017 by Greg Underwood

Getting Deals On Car Insurance

We’ve all been there – desperately in need of renewing our car insurance but also seeking a deal or two to help us save a few pennies. It can be a pain in the neck to get car insurance in the first place, especially if we aren’t familiar with different policies, what we need, what we don’t need and all the rest of it. Not only that, but sometimes we can end up paying for things that we would never need in a million years but somehow get roped into it. So how can you make sure you’re getting the best deal and what you need without paying for something you don’t need? If you’re willing to take a look at a few different options you might get a deal on your insurance. Here are a couple great tips!

Know What You Need

Even if you aren’t an insurance salesperson yourself you will likely have some inkling of the things you need and don’t need in terms of insurance. Are you going off road, do you want legal cover, theft cover, breakdown, courtesy car and more? There are a number of extra options when purchasing car insurance, but do you really need everything? While some extra insurance coverage such as personal accident coverage is a great idea, not all the extra coverage will fit your life or needs, so be sure what you definitely need in the event of needing to claim.

Know How Your History Affects Your Premium

Your individual circumstances as well as driving history will affect your premium and coverage ability, so knowing how this works in advance is key to saving money on your insurance. Are you under a certain age, over a certain age, have you claimed in the past or are you driving a certain type of car? All of these things can affect your premium and your deductible so it’s a good thing to check and see how this will affect you. A good thing to note is that honesty is the best policy, and if you’re upfront and truthful about your previous claims, accidents and the like then you may find that companies will be more likely to work with you to find a quote that works for you.

Life Changes Affect Rates

It’s true. Being married isn’t just good for tax breaks, but you can actually get cheaper auto insurance too as married people tend to get in fewer accidents than singletons. Sometimes moving house can affect your rates too as if you move further away from your place of work then your risk of accidents increases and your rates along with it and vice versa for if you move closer. So be sure to take into consideration any changes in your life circumstances and how they can affect your insurance, you might be in for a surprise if you don’t!

So if you’re looking for a deal on your insurance, hopefully this article has helped point you in the right direction. With so many different ways to go about getting a deal these days these are the top common ways, but there are definitely other ways too. Check out the best ones for you and good luck!

November 8, 2017 by Greg Underwood

Online Versus In Store – Which Shopping Option Is Better?

Source

With the Christmas season right around the corner it’s easy to get wrapped up in the rush to get gifts ahead of the crowd and to make sure that nothing is sold out before you get there. Then you have the option of whether you do your shopping online or in store. Which is better? Many people will use a combination of both and it seems to work well for them and for good reason. But what are some pros and cons to online versus in store and how do they influence how we buy?

 

Online

Shopping online can be such a great way to get the things we need and want without leaving the comfort of our sofa. You can also sometime score a good deal and save some money online too. With online stores offering multiple ways to pay as well as various delivery or pick up options too, it’s easy to see why online shopping is becoming the more popular option. But sometimes you may find yourself strapped for cash before the holidays, or have a low credit card limit due to bad credit but you desperately need that special gift you found online now? SwiftMoney can process your payday loan quickly and you can borrow for up to a year too meaning you can do more shopping online right now and worry about it later when you have more money at your disposal. Perfect for the Christmas season when costs seem to get on top of us. Another benefit to online shopping is the fact that with multiple options to shop from such as Amazon, you can almost always find that product you want in stock somewhere at any given time.

In Store

The benefit to in store shopping is that you can physically see things before you purchase them. This can be a problem online in the sense that sizing in clothes can be off or that lamp you bought your mother for her birthday can actually fit in the palm of your hand. Unlike shopping online as well, shopping in store means you can have the item today instead of having to wait on shipping and then potentially missing the delivery if you aren’t around and then having to organise a time to go and pick it up. In store can also be more enjoyable and get you out and sociable with others rather than just sitting inside clicking “Add to Cart” alone in your house. In this sense, store shopping is better than online. Plus sometimes you go to your favourite shop and find they’re having a sale and you end up saving much more than you would online!

So which is better? While they both have pros and cons everyone has their own preference. With online shops like Amazon offering just about everything on the planet these days though, online seems to be slowly overtaking the high street in terms of available items and preference for shopping – especially around the holidays when you can have huge queues of in store shoppers to deal with and patience wears thin as the days flick by to December 25th!

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