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10 Things You Should Consider Before Buying Auto Insurance

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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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More by this author

Nabin Paudyal

Co-Founder, Siplikan Media Group

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Last Updated on November 25, 2021

How to Make Private Browsing on Safari Truly Private

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How to Make Private Browsing on Safari Truly Private

There comes a time when we may be searching online and don’t want the browser to remember our footsteps. The reasons don’t always have to be what we obviously think of as the main reason; for example, sometimes, you may not want Safari to remember your passwords or prompt you to enter your password when surfing the web.

Whatever the reason, we may think that we are totally in the clear with Private Browsing on Safari and the other browsers on a Mac. However, a quick Terminal command can bring up every website you’ve visited. How do you do this? Also, how do you clear your tracks for good? We will provide both answers and more today.

    What Does Private Browsing Do?

    When activated, Private Browsing on Safari prevents your browsing history from being kept in the history tab of the application. Along with this, it doesn’t autofill information that you have saved in the browser. In this mode, you essentially become incognito and any references of previous use is essentially hidden when you are in private mode.

    For example: if you are on Facebook or filling out a form and some information or your login is already filled in in the spaces provided, this is called autofill. It’s activated by simply clicking Safari next to the Apple symbol in the menubar and selecting Private Browsing, then clicking “OK” to the prompt.

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    The reasons behind private mode differ for each individual. While we won’t go into all of those reasons, one thing that is  important to remember is that private browsing doesn’t forget the websites you visit. As we will see later on, Macs keep a second copy of the websites you visit in either mode. If you are in frantic mode looking for a solution to this, look no further.

    The Terminal Archive

    While Safari does a good job of keeping your search history out of prying eyes in the history tab, there is a less-than-obvious way to view a full list of visited websites on Mac. This is done in Terminal; the command-line emulator that allows you to make changes to your Mac.

    Terminal is located in the Utilities folder on your Mac. Once activated, simply add the command:

    dscacheutil -cachedump -entries Host

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    Once you hit “enter”, a list of the visited sites appear. Showing only the domains, the sites appear in a format of:

    Key: h_name :(website domain)ipv4 :1

    However, there’s no need to fear—there is a way you can clear this information from Terminal with a command that’s just as simple.

    Clearing Your Tracks

    Just as simply as you were able to enter the command to view the websites, you can clear the cache that Terminal showed you with the comamnd:

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    dscacheutil -flushcache

    As the command denotes, this literally “flushes” the domains from Terminal. This does not prevent the record from continuing to be recorded for future sites, however, so if that’s an issue for you, repeat this process regularly.

    Other Browsers and Private Browsing

    Other browsers have this form of privacy mode for their service. They promise many of the same things as Safari, but they do not have the same Terminal issue due to how this command only presents websites visited on Safari (the browser Macs come shipped with).

    If you use Firefox, you’ll notice that its private mode is also known as Private Browsing. Chrome calls private mode Incognito, while Internet Explorer refers to it as InPrivate Browsing. Opera is the newest to the scene, denoting it as Private Tab. Safari is the oldest well-known browser with this feature.

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    As you can see, despite Private Browsing not being 100% private, Terminal allows for your browser to be. In what ways has Terminal helped your life or allowed you to become more productive? Let us know in the comments below.

    Featured photo credit: Benjamin Dada via unsplash.com

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