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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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Published on September 25, 2020

10 Best VPNs to Browse the Internet More Securely

10 Best VPNs to Browse the Internet More Securely

When it comes to digital security, public Wi-Fi networks aren’t safe enough, making it much easier for hackers to access your personal data. Whether you are studying in a library or scrolling through Facebook in a coffeehouse, it is vital to have a VPN installed on your device.

VPNs work wonders when it comes to securing your internet connection. By creating an encrypted tunnel between a remote server run by the VPN service, they protect your personal data from prying eyes. There is a variety of VPNs available on the web, and we have collated a list of the best VPNs that stand out from the rest.

How to Choose a VPN

  • Free trial period – Free trials allow you to try the product risk-free. The same idea technically applies to those with 30-day full refunds as well.
  • Speed – You want your VPN to be just as fast as the internet speed at home. Good quality VPNs are ones where you see little difference between those speeds.
  • Device connection – Of course, the more devices that can connect to VPNs, the better. It increases the customers’ coverage and the product’s value. You also want to consider compatibility since fewer VPNs may work for Mac or Windows only.
  • Number of servers – The number of servers determines how much capacity a VPN can handle while you are connected. The more servers there are, the more users it can handle without running into potential disconnections or slow speeds.
  • Kill switch feature – Having this feature means that your IP address isn’t exposed if the VPN disconnects for some reason. A lack of this feature is a big deal since the whole reason why you’re paying for a VPN is to hide your IP address, among other things. (Find out how to avoid getting tracked online here: Big Brother Is Watching You Online: How To Avoid Being Tracked)

Why You Should Trust Us

Our hand-picked VPNs are incredibly efficient and offer such distinctive features that grant you safe browsing. They outperform many VPNs in terms of both speed and security. Their primary aim is to provide you the utmost security, thus enabling you to surf the web safely and prevent any potential threat from causing harm.

Among the best VPNs’ many unique features include split tunneling, strict logging policies, high encryption level, and availability of international servers. We have gathered them in this article to enlighten our readers and offer the best pieces of advice before you get one. Therefore, take our word for it, and if you go for a VPN mentioned below, you’d be fully appeased.

1. NordVPN

The most popular VPN on the market these days is NordVPN, and it’s easy to see why. It has widespread coverage, offering a selection of over 5,000 servers spanning across 59 countries.[1] Due to the high number of servers, its speed is similar to your Wi-Fi at home.

Lifehack’s CEO, Leon, has been using NordVPN for many years and wants to recommend it for its remarkable server count in different locations with no-logs policy. The VPN perfectly works with Netflix and Fire TV stick, too.

NordVPN is also compatible with Mac, Windows, and Linux. You can download the app onto Chrome, Firefox, Android, and Mac OS. Thanks to its massive coverage, it’s easy to connect multiple devices onto these servers.

In terms of pricing, while NordVPN doesn’t have a free trial period, they argue that their plans are considerably cheaper than those of their competitors. For example, a one-year plan for ExpressVPN costs $8.32 per month, but NordVPN only charges $6.99 monthly.

NordVPN has a new protocol called NordLynx that is based on WireGuard with speed benefits, though it’s still under development.[2] If you’re looking for general quality and affordability, this is one of the best VPNs around.

Buy this VPN.

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2. ExpressVPN

ExpressVPN is the second-best option out there for keeping your privacy while browsing the internet. Like many other VPNs here, they will encrypt your IP address, offer vast coverage, and can have multiple devices connected to their servers.

Compared to NordVPN, while the pricing point is higher, ExpressVPN’s biggest selling point is the number of countries that their connection covers. Depending on where you are in the world, this may be the only option you have. They have fewer servers — 160, to be precise — but they make up for the low server count by covering 94 countries.[3]

Cost-wise, your best bet is to go with the yearly plan where they charge $8.32 a month. They also have one- and six-month plans.

Buy this VPN.

3. Surf Shark

With regards to Surf Shark, you can connect multiple devices to its servers, and it’s compatible with Windows, Linux, and Mac. It is also available on Android, iOS, Chrome, Firefox, and FireTV.

Furthermore, Surf Shark can whitelist apps and sites, letting them bypass the VPN. This, along with the lines of split-tunneling, is another feature that many VPNs offer. The difference is that Surf Shark allows you to whitelist specific apps or any website, while most VPNs will whitelist all sites or none at all.

The other consideration for this app is the price. While lower-tier plans are more expensive compared to others, Surf Shark’s 24-month plan is priced at $2.69 a month, so it’s cheaper than even NordVPN’s equivalent plan!

Buy this VPN.

4. CyberGhost

Another top-reviewed VPN is CyberGhost. They’ve been around for 15 years and have fine-tuned their offers and features to stay competitive. They provide the standard package of browsing the web and logging into accounts safely and give you access to regionally blocked content.

The network also maintains security from hackers, malware, and phishing. Aside from that, you can connect multiple devices, and it’s compatible with all kinds of platforms.

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What separates CyberGhost from the others is their extensive coverage. They have multiple servers, and the pricing point is still very low. It covers over 88 countries and has roughly 6200 servers for you to choose from, all while charging $2.75 for their 18-month plan.

Buy this VPN.

5. IPVanish

IPVanish’s prime purpose is to give users online freedom by providing fast speeds and private connections. It’s clear that they can meet that promise as they provide many of the features that have been listed previously from their competitors.

IPVanish is a part of SugarSync now. What is that, you may ask? It’s a cloud-based service that syncs files across devices and computers for sharing, backup, and many more. What this means is that other devices can access various files and videos so long as they are connected to your specific VPN. Furthermore, it can serve as a backup plan if you get hacked or lose your device for some reason.

Buy this VPN.

6. Private Internet Access

Private Internet Access (PIA) is a remarkably generous company in many ways. Aside from the obvious features, they offer great incentives and discounts for people to try out their products. They claim to be the most trustworthy and reliable VPN around, and we believe that.

One notable thing is that PIA offers a free two-month trial. Compared to other VPNs to this point, none have provided free trials (though all come with a 30-day money-back guarantee). On top of that, small businesses can avail of their VPN at a discounted rate. There is also the fact that their pricing plans go as low as $2.69 a month for two years, and they let you pay with gift cards.

In terms of specs, PIA has over 2695 servers that cover 47 countries right now.

These particular aspects make PIA unique and one of the best VPNs to consider.

Buy this VPN.

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7. Hotspot Shield

Hotspot Shield is all about offering protection while you’re browsing the internet or using streaming services like Netflix. The encryption is military-grade, and its speed is ultra-fast. In truth, it is even marketed as one of the fastest VPNs.

Hotspot Shield offers a plan that only costs  $7.99 a month; however, it’s one of the few in this list to provide its services for free. Like other Freemium apps, the free version comes with limited features. That said, it gives you a much better feel for the VPN.

Also, take note that the encryption feature is still there, though the limitations in the free plan include connecting to one location in the US and having limited streaming options and speed.

Buy this VPN.

8. TunnelBear

As unusual as a name choice for an online security protection service can be, TunnelBear is nothing short of incredible. It makes our list of the best VPNs for various reasons.

The biggest one is that the company goes through a yearly security audit. This is notable because many VPNs don’t bother about independent audits to ensure their systems are secure and safe from any issues. This is critical as VPNs have gotten some bad reputation over the years, as TunnelBear has noted in their post about their security audit.[4] The fact that they are doing this annually ensures that nothing is being compromised.

Furthermore, TunnelBear offers limited services for free, but even their paid plans are pretty cheap. For individuals, you’re merely paying $3.33 per month. The only catch is that you can connect five devices regardless of which paid plan you pick.

Buy this VPN.

9. Norton

Norton has been on the security scene for some time, and it’s actually one of the founders of the internet security industry. It started with virus and malware protection in 1991 and has since branched off to other sectors as the industry has shifted.

As you might expect from a company that’s been around for a long time, Norton provides excellent services, and a few of their other services have gone into the VPN package. In reality, Norton is the only one thus far to offer a password manager with their VPN services. They provide 50GB of cloud storage as well.

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Norton has one of the cheapest VPNs, considering you can get their deluxe plan at $49.99 per year. That comes up to roughly $4.17 a month. It might be slightly higher than other equivalent plans, but you get a lot of extra value that makes it worth the price.

Buy this VPN.

10. StrongVPN

The final VPN we want to cover is StrongVPN. Like many others, it’s great at blocking unnecessary web traffic and providing a fast and simple solution to navigating the internet without any hindrance.

StrongVPN has over 900 servers. It is available in more than 30 countries and compatible with all devices. Beyond that, the only notable selling point it has compared to others is that it also offers Sugarsync services and 250GB of storage, irrespective of your chosen plan.

As for the pricing, their year-long plan costs $5.83 a month, while their month-long one is $10.

Buy this VPN.

Bottom Line

Getting online protection is important these days, and companies recognize this.

With more hacks and breaches occurring every single day, the best VPNs can provide an excellent haven for many people who value their security and privacy.

We hope that by putting together this list, you’ll be able to find the best VPN that you can trust and enjoy using. As you can see, there are several great options with no real wrong one out there. Pick the VPN that’s best for you.

Featured photo credit: Petter Lagson via unsplash.com

Reference

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