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10 Things You Should Consider Before Buying Auto Insurance

10 Things You Should Consider Before Buying Auto Insurance

If you are a vehicle owner, you might want to mitigate the costs associated with getting into an auto accident. Paying annual premiums to an auto insurance company can be a technique to practice.

Before you enter the road with your brand new car, you wish there wouldn’t be any possible disaster. But there are lots of things you should ponder before paying annual premiums to an auto insurance company.

A renowned auto insurance expert once said that many people pay between $500 and $1,500 more than they have to for car insurance each year. The amounts you need to pay radically vary depending upon your age, gender, accident and moving violation history, driving experience and many more.

So, you must contemplate certain aspects of insurance before buying any of it.

1. Coverage

Buying the minimum amount of coverage mandated by your state can save you some money of your pocket, but it can’t be a better option for you. You might also consider some other natures of coverage such as comprehensive, collision, uninsured and underinsured motorist protection, and personal injury protection.

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What comprehensive plan does for you is that it pays for non-crash incidents such as fire, natural disaster, theft etc. Collision covers all sorts of repairs for your car ignoring what the fault is.

If an uninsured or underinsured driver hits you, uninsured and underinsured motorist protection can cover the cost of car repairs. And personal injury protection, as the name suggests, pays you all medical expenses and lost wages if someone hits you or your passenger.

2. Brand

Brand distinguishes one insurance company from others. You should think before choosing one, for your motor trade insurance. You can only rely on a better brand than the one which you haven’t heard of.

When you make a claim to any insurance company, you can see the moment of truth for customer. As auto insurance is portable, you can swing to another insurance company without the loss of desirable benefit.

3. Customer care

Will the insurance company open for 24 hour? Do they provide one of the fastest insurance policies in the market? These things matter the most now days in auto insurance market.

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Seeing your car stuck in between the tree trunk is less painful than knowing your insurance company will open only after two days from the incident. With the competitive market around the globe, plenty of insurance companies now offer 24 hours a day and 7 days a week service. So, either way, you can contact with the provided toll-free number or online.

4. Payment option

Instead of paying an annual lump of sum, most people would love to pay the premium in monthly installments. You must choose your plan to pay depending on your current situation.

Most insurers offer at least annual and six-month premium payment option with some discount. But the fact is that, you wouldn’t get as much discount on monthly basis payment as on annual basis. Hereafter, make sure to choose between your options before choosing any auto insurance plan.

5. Your driving record

Your driving records are openly linked with the cost of your auto insurance. Higher you drive off the road, higher is the cost you have to pay for insurance. Even, some minor traffic violations can be upsetting for you.

Those unpleasing records can be a sign of increased risk for any insurance company. Hence, insurance cost increases for you. Thus, summarizing the facts, higher the frequency of accidents in the past, higher the cost of insurance and vice versa.

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6. Lying is not a solution

Give factual and detail information to the insurance company you are looking for. Giving some made-up information can save you few bucks, but it’s totally a risk. If you get caught, the chances are so high for you getting a severe punishment. You could face higher rates or may be plunged out from the insurance plan altogether.

7. Location, age and gender

If you are younger than 25(generally), then there is a high probability that you must pay more. Most of the insurance industries consider young and male drivers as a risk. Also the statistical data proves that younger lads are highly prone to accident.

Also, the insurance company expects you to pay more if you live in densely populated and bigger cities. Chill out, if you are in rural or suburban areas. Also, insurance rates tend to fall gradually after you reach 25.

8. Discount

With the world being competitive moment after moment, your strong bargain skills can be beneficial for you. You can convince them soft as cotton, eventually making them pay your discount.

Exploring all your options relating to discounts can be a good drill before buying any insurance. Depending on your profession, your vehicle’s current status and driving record, the discount you are going to get varies radically.

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9. Company’s track record

Making price and coverage comparisons while stirring from one company to another is not a big deal for you to practice. With all the records and information of the companies on your fingertips, you can choose your ultimate insurance company comparing the monthly rates for different types of coverage, customer service, location and other different payment plans.

You can review the customer satisfaction between different companies obtained from surveys or can also rely on the information acquired from your friends and relatives. The positive response from reviews as well as from friends and relatives can be a key to open the door of respective insurance company that you are searching for.

10. Ask questions

Before initiating auto insurance, you must consider certain things. You have to think of certain risk assessment, coverage of policy, what will be the deductible amount, value of vehicle the company is willing to set, etc.

You must ask about different cancellation rules. Every policy has diverse rules and it’s important to know what they actually are. If not accessed properly, an accident can drop you from an insurance plan.

Featured photo credit: Flickr via farm9.staticflickr.com

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Nabin Paudyal

Co-Founder, Siplikan Media Group

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Last Updated on September 11, 2019

8 Most Effective Games and Apps to Learn to Type Fast

8 Most Effective Games and Apps to Learn to Type Fast

Computers and cell phones have become an integrated tool in our professional and personal lives that the original methods of using pen and paper may not be so common anymore.

Although our old-school methods of note taking may not have entirely left us, technology is advancing with no intention of slowing down; iPads are moving into service industries, video calls are taking the place of in-person interviews, and store receipts are making its way into our email inbox – all of which requires the skill of typing.

Learning a new skill doesn’t have to be boring and never had to be. Thankfully, there are effective games and apps that can help you learn to type fast with swift precision and accuracy.

Why Typing Fast Matters?

Learning how to type fast is a game changer. In fact, you can save 21 days per year by typing fast!

Although shaving several minutes from curating a long email or texting paragraphs in a text message may not seem to be of great significance, the minutes soon do eventually add up and the long list of tasks then evolve into frustration. By the end of the day, time is being wasted, and the work pile is stacked high over your head.

Why not alleviate some of those frustrations through practice and dedicating your spare time to build muscle memory?

Learning a simple skillset like speed typing can drastically improve other essential areas in life including time-management and prioritization. Not only does it help you efficiently complete tasks at work and in your personal life, but it also boosts your productivity.

8 Most Effective Typing Games and Apps

Everyone learns at different speeds and uses various methods. While some work better under pressure and tight deadlines, others thrive when given ample amounts of time to learn and soak in the knowledge that is being provided. Despite the number of resources that are available in the hollow corners of the internet, it’s all about finding one source that helps you learn at your fullest potential.

Whether you’re a keyboard ninja or not, here are some effective typing games and apps that allow you to test your speed, accuracy, and maybe shoot some spaceships along the way.

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For Beginners

1. Speed Typing Online

    What’s more fun than to type to the story of Alice in Wonderland or the lyrics to “Hey Jude”? Speed Typing Online is an online typing game that allows you to dive into the creative and familiar world of famous books, fables, songs, and even hone your skills in data entry.

    The bright blue frame holds the text, which then turns green after punching in the accurate keystrokes. After the end of the personal timer, a statistics page appears to show you your typed words per minute, accuracy, correct and incorrect entries, and error rate.

    2. Typing Trainer

      Typing Trainer

      is another online platform suited for beginner typists looking for step-by-step lessons. Learning the keys on a keyboard can confusing especially for those who aren’t as familiar or getting adjusted to typing on a computer keyboard.

      Typing Trainer has a collection of step-by-step tutorials that covers everything from sentence drills, introduction to new keys as the lessons progress, and skills test. The Typing Trainer specifically highlights unique features in each lesson including a warm-up section where the user begin to build muscle memory and learn to type without looking at the keyboard.

      The website is also programed to identify difficulties the user is facing when typing specific words or sentences.

      3. TapTyping – Typing Trainer

        There is the feeling of physically typing on a keyboard and then there’s the feeling of typing on a touch screen mobile device.

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        Since the use of cell phones has become closely integrated into our everyday lives, learning to type on a mobile is much of a skillset as it is to type on a computer. The mobile typing app, TapTyping – Typing Trainer, allows users to practice while on-the-go making it perfect for commuters who want to practice typing during their down time.

        The app allows you to challenge other typists around the world with TapTyping’s global leaderboard and test your skills by taking advanced lessons. There’s always room for improvement and with the app, you’ll be able to find your mistakes by watching a heat map of your finger strokes.

        For professional writers and programmers

        4. The Most Dangerous Writing App

          Suitable for writers facing a creative block or on a tight-deadline, the Most Dangerous Writing App is a website that forces your fingers to type as quickly as your ideas.

          If you stop longer than 5 seconds, everything you had written will slowly disappear from the screen.

          Sessions are timed from 3 minutes to 20 minutes, or can go from 75 to 1667 words. This online app is perfect to brain dump ideas, write a chapter of a manuscript you’ve been stuck on, or help with procrastination.

          If you’re up to the challenge, try the hardcore mode – an alternative option where a single letter appears on the screen at a time. This level prevents you from seeing the entire word, sentences, or even correct any spelling or grammatical mistakes until the timer is complete.

          If you’re wondering, copying and pasting is not an option until each the end of each session.

          5. The Typing Cat

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            Looking to upgrade your typing skills? Also working as a personal tutor, the Typing Cat has a list of regular typing courses with the option to try other lessons with more complexity such as HTML. Learning to type code is a another valulable skillset worth adding.

            Even with disregarded interest in the coding world, using the code course enhances your typing skills and allows your fingers to familiarize itself with uncommon word combinations and placement of punctuations on a keyboard.

            The coding course can be difficult even for typing whizzes, but it’s all a part of muscle memory. According Psychology Today,[1] only a handful of people actually learn how to type by looking at an actual keyboard, while a majority of the population locate specific keys intuitively through muscle memory.

            Available courses include EcmaScript 6, HTML 5, and CSS 3.

            Fun typing games

            6. ZType — Space Invaders Meet Webster

              Remember playing the iconic 70’s game that allowed you to shoot tiny purple and green aliens from one end of the screen to the other with a two-bullet laser? It’s hard to believe that Space Invaders just turned 40 , but you can still get the same adrenaline rush with ZType, a typing game with the same shooting concept.

              Ztype works in waves – stages that must be cleared but instead of aliens, you must type out the words before the missiles destroy your ship at the bottom of the screen. Every so often, longer and mor complex words would appear and if the words are not typed in the allotted time, a series of letters will disperse like missles.

              The game is quick on the fingers and will still have your heart pumping until the very end.

              7. Epistory – Typing Chronicles

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                Although this game does cost money to purchase, it is worth the investment if you’re looking for a refreshing and alternative mode to learning how to type fast.

                Epistory – Typing Chronicles is a role-playing action and adventure game of a young girl riding a fox in a magical and fictional realm; together they combat enemies in the shapes and forms of words.

                Once you’re starterted, you almost forget you’re playing a typing game. The paper craft art aesthetics of the game has you captivated by the vibrant colors and character’s storyline, while having you build your typing skills.

                8. Daily Quote Typing

                  Need some inspiration? Say no more.

                  Daily Quote Typing is one of many gammes available on Wordgames.com – a website that offers a variety of typing games ranging from different levels based on your experience.

                  With Daily Quote Typing, users are able to type out inspirational quotes by famous leaders, inventors, and innovators such as Mark Twain and Albert Einstein.

                  Bottom Line

                  At the end of the day, discipline and patience is what teaches to type faster. It comes down to making that commitment to improving not only your typing abilities, but in a lifelong skill that benefits other areas in life.

                  By practicing daily and using effective games and apps, it’s only a matter of time before keystrokes will become second nature and your brain will adapt to learning other skills faster.

                  Featured photo credit: Unsplash via unsplash.com

                  Reference

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