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.

How To Choose The Right Auto Repair Shop

When you decide to have a car today, you are considering so much more than you used to. The economy has made us all leery of spending where we don’t have to but in many places in the world, you need a car. This is an expense in several ways and they are; the car payment, the insurance as well and if you are making a payment each month then they require full-waiver which is collision etc. On top of that, you have the car repair. This is the one to factor in today because if you make a payment and the car breaks you still need to pay that car note least you lose the car. This is a headache but if you screen auto-repair shops before you have a repair you can feel out the situation and get better service and a better price. Most people don’t think of and don’t want to think of a car repair shop until it is too late and something goes wrong with the car but some good research at different times during the year is something worth doing.

Some tips to choosing the right auto repair shop and tire dealer

The next time you go for an oil change look at the place to see if they do anything else like tires or auto repair. If they do then check out the prices while you wait for the oil to be changed and the tire rotation to be done and get to talking to the mechanics and the staff because statistically people who are well-known at an establishment are more likely to get great deals and less likely to get ripped off.

Check for whom they are accredited by as well

Credentials go a long way and you should look to see who endorses them and who recommends them. The American Automobile Associations endorses and rates auto repair shops all over the U.S. and Canada. You may even ask them if their mechanics are certified and who certify them.

Private garages versus chains and dealerships

For auto repair, you have choices as to who you go to and there are differences you should take heed of. There are many people who insist on bringing their cars into the dealership to be repaired. This is fine when a new car is still under warranty but people continue to do so after the warranty is expired. This is a fools-game of sorts because it is the most expensive option. The second choice is a chain like an auto parts dealer. They are good for the parts but as far as the services are, concerned it can be cheap or it can be expensive depending on what the service is you are having done so be aware and shop around.

7 Tips To Start Your Twitch Journey

On Twitch, you can stream your favorite retro games without any problem. If you are new to this platform, we suggest that you consider a few helpful tips before starting a channel. So, what are you waiting for? Read to know more.

1. Internet Speed

If you no Fiber connection, no problem. All you need is a 5Mbps ADSL connection that supports a minimum of 720p recording for a modem or router. As a new streamer, we suggest that you stream at 1800kbps, which is the bare minimum. Actually, the problem is that if you are not a Twitch Partner, you have to be in the list of top 10% Streamers.

2. Microphone

As far as streaming on Twitch goes, having a good microphone is a must. What you need is a good quality microphone that comes with noise cancellation. If you are looking for a wireless device, make sure that it won’t interfere with other wireless devices like your mouse or WiFi. Therefore, we suggest that you use a wired connection.

3. Webcam

Most people like streams with webcams. Actually, Twitch allows you to take a shot with an interval of a few seconds and show it as your stream thumbnail. So, the users will be most likely to click on your thumbnail and check out your stream. As a matter of fact, the thumbnail acts like a first impression and you know that the first impression is very important. So, investing in a good webcam is a great idea.

4. Overlay

If you don’t know, overlay refers to information that is sent to you for a glance. Some people opt for OBS, but you can also check out some paid alternatives like XSplit. You can create an Art Overly around the OBS, such as designing for the cam, donation alert and so on. However, make sure you take into account the DotA game resolution. With the right overlay, your scene will become more lively. They won’t be boring.

5. Games

You can’t compete with big streamers. Therefore, don’t think about popular games. Actually, for better rank on Twitch, you have to be among those who have the most viewers. In the beginning, you may want to give a go to a game that was released a long time ago. You can check out free games first.

6. Channel Moderation Bot.

You may have noticed that channels have moderation bots too. You may want to have them too. All you have to do is visit bot channels and then send an invitation to it. Once moded, it will start moderating your chat. Once you have sent an invitation, you should sign into your account. These mods will keep spams and unwanted links away from your channel.

7. Get A Team Mate.

Ideally, you may want to use Discord, not Skype. The reason is that it won’t consume a l of your system and bandwidth resources. The app is free to use. You can then talk to your teammate on Discord.