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Tribute to veterans spans generations

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Johnson needs win to chase 8th NASCAR championship

MU men s basketball tops Iowa State in front of sellout crowd

Blaney wins pole for playoff race at Phoenix

Olympic gymnast Aly Raisman: I was abused by doctor

Statue of former Missouri coach Norm Stewart unveiled

Missouri hosts Tennessee team dealing with numerous injuries

Jerry Jones: Objection to Goodell deal not about Elliott ban

Missouri hoops teams, wrestling adding athletes to 2018 class

Cowboys Morris ready to replace Elliott at RB

Missouri women s basketball upset in season opener

College Volleyball: Engelbrecht surpasses 5,000 career assists

S. Callaway student assaults school staff member

Holts Summit aldermen discuss sign ordinance

Veteran’s military career spans US Army, state regiment, Marine Corps

JCPD: Friday hostage call was false alarm

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S. Callaway student assaults school staff member

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Ruebling Band heading to Finke Theater

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WWU hosts annual faculty art show

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Our Opinion: On a positive note

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Your Opinion: Cartoon praised

Sports

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Johnson needs win to chase 8th NASCAR championship

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MU men s basketball tops Iowa State in front of sellout crowd

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Blaney wins pole for playoff race at Phoenix

National

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1st trial stemming from Texas biker fight ends in mistrial

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Tax split poses big challenge for Congress

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News Tribune, Central MO Breaking News, buy here pay here car lots.#Buy #here #pay #here #car #lots


Buy here pay here car lots

Buy here pay here car lots

Opinion

Sports

Nation & World

More Area News

Veterans Day honors future service as well past

Buy here pay here car lots

Tribute to veterans spans generations

Buy here pay here car lots

Heisinger Bluffs honors residents service

Buy here pay here car lots

Area company, nonprofit partner to bring books to youth

Buy here pay here car lots

Highlights

Buy here pay here car lots Buy here pay here car lots Buy here pay here car lots Buy here pay here car lots Buy here pay here car lots

Latest

Johnson needs win to chase 8th NASCAR championship

MU men s basketball tops Iowa State in front of sellout crowd

Blaney wins pole for playoff race at Phoenix

Olympic gymnast Aly Raisman: I was abused by doctor

Statue of former Missouri coach Norm Stewart unveiled

Missouri hosts Tennessee team dealing with numerous injuries

Jerry Jones: Objection to Goodell deal not about Elliott ban

Missouri hoops teams, wrestling adding athletes to 2018 class

Cowboys Morris ready to replace Elliott at RB

Missouri women s basketball upset in season opener

College Volleyball: Engelbrecht surpasses 5,000 career assists

S. Callaway student assaults school staff member

Holts Summit aldermen discuss sign ordinance

Veteran’s military career spans US Army, state regiment, Marine Corps

JCPD: Friday hostage call was false alarm

Calendar

Buy here pay here car lots

Buy here pay here car lots

Special Sections

Buy here pay here car lots

S. Callaway student assaults school staff member

Buy here pay here car lots

Holts Summit aldermen discuss sign ordinance

Buy here pay here car lots

Veteran’s military career spans US Army, state regiment, Marine Corps

Buy here pay here car lots

Ruebling Band heading to Finke Theater

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Country and bluegrass Mid-Missouri legends unite to release new CD

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WWU hosts annual faculty art show

Opinion

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Perspective: Tax reform progresses in House

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Our Opinion: On a positive note

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Your Opinion: Cartoon praised

Sports

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Johnson needs win to chase 8th NASCAR championship

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MU men s basketball tops Iowa State in front of sellout crowd

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Blaney wins pole for playoff race at Phoenix

National

Buy here pay here car lots

1st trial stemming from Texas biker fight ends in mistrial

Buy here pay here car lots

Tax split poses big challenge for Congress

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Marine instructor gets 10 years for abuse

More Area News

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The Fulton Sun

Buy here pay here car lots

The California Democrat

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Copyright, Privacy Policy, Terms Conditions – Copyright 2016, News Tribune Publishing. All rights reserved. This document may not be reprinted without the express written permission of News Tribune Publishing.


Comparing Car Costs: Buy New, Buy Used or Lease, buy here pay here car lots.#Buy #here #pay #here #car #lots


Comparing Car Costs: Buy New, Buy Used or Lease?

11/13/2014 (updated 11/06/2017) – By Ronald Montoya

Car Buying Learning Center

How does the cost of buying a new car compare to leasing the same car? And if you decide to buy a used car, how much would you save over buying or leasing a new car? Finally, what impact will those decisions have a few years from now when you’re ready to shop again?

It’s hard to give one definitive answer that covers all people and all situations, but here’s the short version: If your only concern is making the most sensible financial decision for acquiring the car, buy a used one, pay it off and keep it for a few years.

Used cars aren’t for everyone, however. If you want the latest technology or like having a new car every three years, buying new or leasing are the routes to take. If a low monthly payment is your primary goal, leasing might be the best approach.

To compare the costs of leasing, buying new and buying used, we’ll use a popular vehicle in our examples: a compact SUV. Most owners in the U.S. keep their new and used vehicles for 79 months just over 6.5 years That’s the length of ownership we are assuming here. To match that period, we are basing the leasing example on two back-to-back three-year leases, totaling 72 months. You can see the other assumptions behind these examples at the end of the story:

Leasing: The average lease cost is based on a compact SUV that sells for $27,142 and has drive-off fees of $2,038. For the lease’s interest rate, better known as the money factor, we’ve used the average amount: 0.000833. This results in a $330 monthly payment for three years. We used the same numbers for the second three-year lease.

Buying New: The average amount financed for a new car is about $26,830, with a down payment of $3,181. The average interest rate is 4.5 percent, resulting in a monthly payment of $426.

Buying Used: The average amount financed for a 3- or 4-year-old compact SUV is $18,691 with an average down payment of $2,275. The interest rate for used-car loans is usually higher than for new, and in our case it would be about 7.2 percent. These factors result in a monthly payment of $344.

After six years, here are the total out-of-pocket costs for each financing method:

In terms of out-of-pocket spending, leasing costs $5,846 less over six years than buying a new car, excluding any repair costs the new car might incur. The out-of-pocket cost of buying a used car is $2,870 cheaper than leasing and a $8,716 cheaper than buying a new car. We have excluded any costs of repair for the used car.

What Did Your Money Get You?

Here is something essential to remember about the apparent lower cost of leasing versus buying new: At the end of a leasing cycle, you don’t own the car. Generally speaking, you have to start a new lease-or-buy cycle.

But if you’d bought a new car and were now at the end of the ownership cycle, you’d have a 6-year-old vehicle that would have about 72,000 miles on the odometer. It would be worth roughly $9,800 as a trade-in, according to Edmunds data. If you’d bought a used car, it would now be about 9 years old. It would have about 108,000 miles and would be worth about $6,000 as a trade-in.

You could potentially earn a couple thousand more dollars by selling to a private party. But most people are likely to opt for the convenience of a trade-in at the dealership.

When we deduct that used-car equity from the out-of-pocket costs of acquiring the car, the long-term cost picture changes. Buying new looks like a better deal than leasing. Buying used still is the thriftiest way to go, however.

In this basic comparison, if you’d leased two compact SUVs back to back, you would have paid $3,954 more to drive them for six years than you would if you bought a new vehicle.

If you’d bought a used compact SUV, you would have saved $8,840 over leasing during this six-year cycle. Buying used rather than buying new would have saved $4,886.

Leasing doesn’t look great in this dollars-only analysis, but there are factors in its favor:

Since a lease is usually for three years, the vehicle is always under warranty. You avoid the hassle of out-of-warranty repairs and costly maintenance. You do have to pay for routine maintenance, but that usually involves just oil changes and tire rotation. You can avoid maintenance costs altogether if you lease a new car that has afree maintenance program.

You have the opportunity to buy the leased vehicle. The finance company sets the purchase price at the beginning of the lease, and often that’s the current market value of the vehicle at the end of the lease.

Leasing protects you against unexpected depreciation. If the market value of the car unexpectedly drops because of a shift in the market, brought about by such things as rising gas prices, you aren’t hurt. Conversely, if the lease car holds its value especially well, you can buy the car at a bargain price at the end of the lease and either keep or resell it. In some cases, people can leverage equity in leased cars.

Leasing offers an attractive tax deduction if you use the car for business. An accountant is the best resource for more information on this subject.

Other aspects of leasing are more difficult to monetize but appeal to some shoppers:

Leasing offers the enjoyment and prestige of driving a newer car more often.

Leasing provides a new car that has the latest safety, technology and comfort features.

Once you’ve paid off a car, ownership has several advantages over leasing:

You’re free to bank or invest the money that you used to spend on your monthly payment. You also can apply that money to household expenses or set it aside as a repair and maintenance fund for the car you own.

You have the flexibility to sell the car when you want to, not when the lease is up.

You can modify the car exactly as you want without fears that you will break the terms of your lease contract.

You don’t have to worry about excess wear and tear, which you could be required to pay for on a leased car.

You don’t have to worry about excess mileage penalties.

Remember that financing a new or used car only starts to make financial sense when you’ve paid the loan in full. You need to keep the vehicle for a while to enjoy months or years without car payments. But of course, if you drive the car for years and years and pile on the mileage, you diminish its value. Unless it’s a classic vehicle, a car is a depreciating asset.

While on paper the used vehicle might be the least expensive option, you might not be comfortable handling repairs on an aging vehicle. Or if you’ve always purchased your vehicles only to get bored with them in a few years, leasing might be the better option. Do your own calculations, factor in the intangibles, and the best decision for you will emerge.

How We Arrived at the Numbers

Here are the assumptions we made for the three different deals:

Length of ownership: For new and used cars, we used the current average car ownership period of 79 months, or just over 6.5 years

Length of lease: Most people lease for three years. We assumed the costs involved in two lease cycles (72 months) to better match the 79-month ownership period for new and used cars.

Average new-car loan term and interest: The average loan term for a new car in 2017 was 69 months, or just under six years. We assumed a 72-month new-car loan, which is close to the 69-month average and matches the length of leases in our leasing example.

Average used-car loan term and interest: The average used-car loan is slightly shorter than that of a new-car loan. We used a 66-month loan for the used-car example.

Source of the information: For each financing method, the average cost of the vehicle, interest rate, down payment and monthly payment are based on Edmunds data for thousands of recent transactions across the United States.


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Buy Here Pay Here Car Lots

At BuyHereNPayHere.com, we allow you exclusive access to one of the most comprehensive networks of local dealerships who offer buy here pay here financing.  All you have to do is submit a 3-minute credit application, and we will most likely be able to find you a local dealer who wants to put you in the drivers seat today .  Approval rate is greater than 90% for distribution to our dealer network.  Click Here to Apply.

What to Expect at Your Buy Here Pay Here Car Lot

Buy Here Pay Here car dealerships are not too different from a normal dealership.  On the outside, it might look the same.  Or it might be a normal franchise dealership that also offers in-house financing.  In any case, the main difference you can expect is making the terms of your financing package the #1 priority.  After all, getting approved for financing is often the most difficult part of the car buying process, especially if you have bad credit, no credit, or bankruptcy in your history.

Used Vehicle Inventory

Most buy here pay here auto sales are for pre-owned vehicles.  Although you may be tempted by the hottest new models on the market, you should know that a brand new car depreciates 20-25% the second you drive it off the lot.  That means you might agree to pay $20,000 for a car that s instantly worth only $15,000, and that s the makings of a financial trap.  Too many Americans are currently upside down on their vehicles like this.

A used vehicle, on the other hand, has already endured this initial hit in value.  It s more affordable, less expensive to insure, and with a Carfax report you can ensure it s proven reliable to past owners.

Trade-ins Down Payments

On the whole, buy here pay here car lots are more flexible than traditional dealerships when it comes to trading in your used vehicle, especially if it s an older model.  Too many franchise dealers only accept models a few years old.  If you have an older vehicle, you may be able to get more trade equity at a BHPH car lot, putting the trade-in s value toward your new purchase as a form of down payment.


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A LOT OF USED CARS – Buy Here Pay Here Used Cars, Auto Financing Duluth, GA

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We hope that you find our website helpful to your needs. Although A LOT OF USED CARS of Duluth in GA doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Duluth area customers, you can research our Buy Here Pay Here Used Cars, Auto Financing, Bad Credit Car Loans, Car Loans, by here pay here, bad credit auto loans and used car financing, vehicle financing, auto loans, automobile loans, car finance. Search the extensive inventory of all the A LOT OF USED CARS Used Cars, financing that we offer at great prices, request a vehicle price quote, view pictures and data about the Bad Credit Car Loans, Car Loans or learn about our Used Cars, financing that we currently have. Give us a call at 770-497-8181.

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Welcome to CarLotFinance.com where we make it easy for you to find affordable, quality used cars. Charlotte NC buy here pay here dealerships have partnered with us to provide you with a choice of used cars in hopes that you will find your next automobile at affordable terms.

What CarLotFinance.com does best is connect you with a variety of Charlotte NC dealerships and their entire inventory of used cars. Charlotte NC has several used car dealerships but only a few that really cater to those who have less than perfect credit. Under current economic conditions, many people have had to experience the misfortune of losing a job and coming up short on the bills; this can lead to the ruining of one’s credit score between home loans, car loans, and unsecured credit card debt. While, at the time, this is bad enough; often the worst part comes later once life begins to return to normal, only now with less than perfect credit.

As you try to get back on the road towards financial stability and a solid credit score, let CarLotFinance.com be the one to help you on your way! Let CarLotFinance.com save you both time and money as you try to find a car that best suits your needs, your life, and your finances. With only the best of the dealer financed car options available, you can easily find what you need and which buy here pay here dealerships are closest to where you live.

You can even get started right away in the convenience of your own home. With the easy search tools provided you can search by year, make and model or just enter your zip code to find a participating buy here pay here dealer near you. With easy access by phone to any of our participating used car dealerships you can find answers to your questions or set an appointment to take a test drive.

At CarLotFinance.com we strive to please our clients and we also know that if you could be doing anything else you wouldn’t be shopping used cars. Charlotte NC automobile dealerships that have joined with us know this as well and endeavor to make your next car buying experience quick, easy and affordable.

Thank you for visiting CarLotFinance.com where our goal is to provide you with thousands of quality vehicles in the greater Charlotte NC area at affordable prices. Our approval process is simple and easy! Come visit us and let us work out a financing plan that is right for you. We have used cars for every budget and our commitment to you is your sastisfaction. Used Cars Charlotte NC


Here s How to Get the Best Deal on Car Insurance – Eventually #cheaper #car #insurance


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About

shutterstock You’ve probably had this experience: you’re frustrated because the driver in front of you is going too slow for your liking. You can see the driver’s gray hair and think that this person should not be driving any longer. Just the opposite is true: 60-something drivers gets the last laugh. Not only are they more likely to arrive safely at their destination, they are rewarded for it with lower auto insurance rates.

“Older drivers by and large are far safer in terms of the number of accidents they have and the number of claims they turn in than the typical driver,” said Marty Agather, senior vice president of the consumer resource site TrustedChoice.com. He says insurance companies collect incredible amounts of data to set prices. “The sweet spot in the auto marketplace is someone who is recently retired but still vital,” according to Agather. “They’re not driving to work every day, still with it, and their reaction time has not slowed down too much. You still have a very safe operating behavior.”

According to 21st Century Insurance, “senior citizens are some of the safest, most responsible and defensive drivers on the road .” As a result, many insurance companies offer special rates and discounts for these mature drivers. In general, rates for drivers who are 50 and 74 years old are 5 percent to 15 percent below those for people 30 to 50. And of course, drivers younger than 25 can pay more than double what the seniors pay. “For young males, the numbers are astronomical,” said Agather. “They are 200 times more likely to get into an accident.”

As Your Life Changes, So Does Your Premium

DMV.org says car insurance rates gradually decline from the time you turn 25 until you turn 70 — as long as you maintain a good driving record. By the time you’re in your 40s, you are likely to have a family, which encourages safer driving, and you are less likely to be at a bar at 2 a.m. which does not. But once you hit 70, rates start to go up again because you are more likely to have impaired vision, slower reactions and poorer cognitive functions.

For those in the 50-to-70 sweet spot, some discounts are applied automatically; some require you to inform your agent or insurance company of changes in your lifestyle; and others come from being pro-active. For example:

  • Low-mileage discount. If you’re retired, you have probably cut down on the miles you put on each day. Inform your agent and your insurer. They don’t know about changes in your life unless you tell them.
  • Defensive driving classes. AARP. AAA and others offer classes for drivers of all ages. They cost about $50, usually earning a discount of up to 5 percent a year, for three years. AARP says automatic discounts follow a course for drivers in Alabama, Alaska, Arkansas, California, Colorado, Connecticut, the District of Columbia, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia and Wyoming. Residents of other states should ask their insurance agent about discounts.
  • Policy changes. Older people with more assets may want to take the risk of going with a higher deductible — and they might also want to boost liability coverage. Agather said you need to make sure that your liability limits equate to the assets you have at risk. “Just because you have an insurance policy, that doesn’t limit how much you are liable for in damaging someone else,” he warned. “Your assets are at risk if you hurt a brain surgeon or hit a Ferrari.” To protect those assets, he recommends an umbrella policy that protects your assets if you are sued for more than the liability limit on your auto policy covers. “It also may make sense to drop comprehensive and collision coverage, which may be costing you $400 to $500 a year,” said Agather. “Don’t pay a lot of money to insure something you can afford to pay out of pocket,” especially if you’re driving an older car.

Thinking of buying a used police car? Here s how to do it #car #used


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Thinking of buying a used police car? Here’s how to do it

Back in college, I was the house and risk manager for my fraternity. As you can imagine, this was a stressful job, as I was forced to monitor not only the many idiotic whims of my brothers, but the potential impact those ideas had on our house.

My least-fond memory of those hazy years involved a brother who drove a retired police cruiser. He desperately wanted to be a cop and took to driving his blacked-out, push-bar-equipped Ford Crown Victoria like Martin Riggs from Lethal Weapon. While his typical days were spent terrorizing other motorists by suddenly appearing in their rearview mirrors, one day he decided to lead the campus police on a high-speed chase (as one does).

He got ahead of them, hid his car and ran into the fraternity house, breathlessly telling me he’d been there the whole time. The police arrived, having ran his plates and asking for him by his last name. which happened to be the same as my first name. Shockingly, neither he nor I were arrested that day (keep in mind, these were just campus police), but I’ve since become a firm believer that unless you want to start a second life as a taxi driver, you should not buy a used police car .

If you choose to ignore me, though, Yahoo! Autos has put together a smartly comprehensive buying guide. written by a dealer. that details the ins and outs of the police car buying process. It ranges from what sort of equipment you should bring to a city auction. to what kind of cars will go for the least money. It’s a rather interesting read and provides a glimpse into a market of automotive sales that nearly every enthusiast has thought about at least once.

  • News Source: Yahoo! Autos
  • Image Credit: Scott Olson / Getty

The Mindful Living Programs Team #stress #reduction, #mbsr, #mindfullness #based #stress #reduction #program, #mbsr #program, #stress #reduction #courses, #mindfulness #based #stress #reduction, #healthcare #professionals, #steve #flowers, #bob #stahl, #mindfulness-based #stress #reduction, #mindful #living #programs, #retreat, #meditation, #mindfulness, #online #class, #mindfulness #meditation, #mindfullness #retreat, #complementary #medicine, #alternative #medicine, #elana #rosenbaum, #cancer #care, #cancer, #here #for #now, #complimentary #medicine


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The Mindful Living Programs Team

Steve Flowers, MS, MFT

Steve is the founder and director of the Mindfulness-Based Stress Reduction (MBSR) Clinic at the Enloe Medical Center in Chico, California. Steve is a long time practitioner of meditation and has been teaching MBSR since 1997. He has provided training in mindfulness to thousands of people. He pioneered MBSR online programs that make full 8-week MBSR programs available to persons all over the world. As a licensed psychotherapist in private practice Steve specializes in the treatment of stress related conditions, anxiety and depressive disorders and couples therapy.

Steve provides training in mindfulness-based psychotherapy for mental health professionals and provides fully accredited mindfulness retreats for physicians and other health professionals in workshops, seminars and retreat settings with his dear friend and partner Bob Stahl, Ph.D. through Mindful Living Programs.

Through his corporate programs, Steve provides workshops and seminars for diverse corporations such as Genentech, Johns Manville, Blue Shield and Sierra Nevada Brewery and also provides these same resources to hospitals, businesses, universities, colleges and city, state and the federal government employee’s onsite at their places of employment as well as on retreat settings.

Steve is also sought out as a public speaker where he has offered numerous workshops and presentations for nationally and internationally acclaimed organizations such as Center for Mindfulness’ Annual International Scientific Conference on Mindfulness and the American Academy of Pain Management.

Steve invites you to explore the question: What is it you plan to do with your one wild and precious life? – Mary Oliver in The Summer Day

Bob Stahl, Ph.D

Bob directs Mindfulness-Based Stress Reduction Programs at El Camino Hospital and O’Connor Hospital in Santa Clara County, and Dominican Hospital and the Santa Cruz Medical Foundation in Santa Cruz County. Bob has conducted numerous mindfulness programs for physicians and health care professionals. A long time practitioner of mindfulness meditation, Bob is the author of multiple well received books such as A Mindfulness-Based Stress Reduction Workbook and Calming the Rush of Panic. Bob spent over eight years living in a Buddhist monastery.

Both of our presenters have completed training with Jon-Kabat Zinn and are Certified MBSR teachers.

Copyright 2016 All Rights Reserved


AUTO INSURANCE HERE! Compare CHEAP Car Insurance Policies for FREE! #market #value #of #my #car


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Helping You Find Your Insurance Quote

In every state there is a requirement for car insurance. While the minimum insurance you need may fluctuate, the need for it never does. Getting the best auto insurance quote around can mean the difference between getting ripped off, and saving a lot of money.

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Getting quotes is easy, but finding good ones can be difficult. The hardest part about it is that you don’t know who is trying to rip you off. Even the biggest companies are only big because they are good at a lot of money out of many hardworking people. So how do you know? That is where a little bit of elbow grease comes in. By getting many quotes from many different companies you can easily sort out the bad ones. That is where we come in. Our system has been build to provide you with a multitude of companies in your area looked up by your zip code. You can then use these quotes to quickly and easily generate a list of the best and worst companies for your specific situation.

Advantages to Insurance Quotes

Getting better quotes on your auto insurance can save you hundreds of dollars a year. All it takes is to simply take the time to shop around for your quotes and soon you will find the best one for your specific situation. The money you save can also be applied to getting better coverage. Cheaper coverage may be the least money intensive option, but you may end up in a pinch if something happens. Saving enough money to afford better coverage is just another benefit of finding good quotes.

Ways to Get Better Quotes

1) As previously stated, the best way to get better quotes is to simply get a lot of them. Getting a lot of quotes quickly can greatly increase your chances of finding the one that is right for you.

2) If you use complete information when applying for you quote, you may find that you get better quotes. This is due to the fact that many companies will often times offer discounts that might not seem immediately obvious. However, by providing them with the most complete information possible you should find some discounts that you were unaware of.