Showing posts with label Car Insurance Policies. Show all posts
Showing posts with label Car Insurance Policies. Show all posts

Enjoying a casual evening at home, Tip of the week Maybe. (Financial)

Friday, September 28, 2018 0 komentar
Enjoying a casual evening at home, reclining in my favorite easy chair reading, while the Gracious Mistress of the Parsonage was chatting on the telephone. I seldom pay attention to phone conversations. After all, I only get one side of the conversation, which may be misleading at the very best. I've been caught in that trap before with some pretty dire consequences. I am not going to get caught again, if I can help it.

Then an odd phrase caught my attention: "plastic surgery." My ears perked up and I heard my wife say, "I certainly agree with that article and I'm going to do some plastic surgery myself."

Well, you can imagine what thoughts were racing through my head. When she hung up the telephone, I queried her about it.

In my book, plastic surgery is a big step.

"You do support me in this plastic surgery plan, don't you?"

There are times to disagree with your spouse, but as a husband for over 45 years, I have never discovered that time. Forcing a smile, I nodded in the affirmative and told her she had my full support in whatever she decided.

I had to admit that the "time" had finally come to our humble abode. Who am I to fight it? I go by this motto, "He who smiles and agrees with his spouse lives to smile another day."

I plan to smile until the day I die.

I never really thought about plastic surgery, but perhaps my wife was right. Perhaps she could use a little face-lift. For me to get a face-lift, the surgeon would need a huge construction crane. Then comes the awkward part, what do they do with my face after it was lifted?

Women, more than men, are a little sensitive about their appearance. For a man, "appearance" means he showed up. A woman has an altogether different approach to the term "appearance."

Some women look in the mirror and see where some improvements could be made. For example, they see bags under their eyes that could not get through the airport carry-on luggage size requirement.

Then there is the problem with their nose, which could stand a little tweaking. For all practical purposes, one of those double chins has to go. Moreover, what woman couldn't use a tummy tuck and other snippings of the flesh?

Believe me; I never would have brought it up, but if that makes my wife happy, then whatever it costs, we can put it on a credit card. The only problem with putting something like this on a credit card is that by the time you pay it off you need another procedure.

But, she is worth it in my checkbook. I have no compunction whatsoever of writing out that check.

Each day I checked the appointment calendar hanging on our refrigerator to find out when she would be going in for the surgery. Day after day, I looked, but could never find any appointment.

I supposed she was a little sensitive about the whole thing and did not want it staring at her day after day on the appointment calendar. Whatever the reason, she had my silent support, for all it was worth. I am sure she would do the same for me. That is what marriage is all about. Supporting one another in the developments of life, whatever that development might be.

I decided to tuck this little bit in the back of my mind and, however it developed would be all right with me.

One day this week, I went to the Slurp N' Burp Café for a quiet lunch. The issue was far from my mind as I enjoyed a delicious lunch. As I finished my last cup of coffee, the waitress brought my bill and I pulled my wallet out to pay for it.

In searching my wallet for a credit card I discovered, much to my chagrin, that there were no credit cards to be found. Somehow, I had lost my credit cards. Perhaps, in the morning when I was getting dressed they dropped out of my wallet as I was placing it in my trousers.

The problem with that theory was that all the other cards in my wallet were intact.

Fortunately, I had my cell phone and called my wife.

"Honey, I've lost all my credit cards. I'm here at the restaurant and I can't find any credit cards in my wallet. Do you have any idea what I did with my credit cards?"

"I cut them all up."

"You did what?"

"You said you supported my plastic surgery plan, didn't you?"

"But, I thought... "

"You, thought what?"

Oh boy.

Dear reader: please disregard the first part of this column. If you happen to read my obituary in next week's newspaper, you will know that my lovely, vivacious, eternally youthful wife did not disregard the first part and I'm currently Resting In Pieces.

Being the fifth largest city in Canada and the home of almost 1 million people

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Being the fifth largest city in Canada and the home of almost 1 million people, Edmonton is flourishing. Together with its infrastructure growth and population, there is a surge of vehicles on Edmonton's roads. All these drivers need to get around, and there's no shortage of routes to get anywhere; with a network of connecting roads, you can get from Summerside to St. Albert with ease.

Whether you're taking a road trip across the prairies or commuting daily via Calgary Trail, all Edmonton drivers need car insurance. Rates are changing in Alberta, which is why every driver in Edmonton should take advantage of price comparison shopping to get the best rate.

Let's see what's going on with auto insurance in Edmonton.

The Average car Insurance rates in Edmonton and Alberta

Alberta auto insurance premiums on average were $122/month in 2017, while Ontario auto insurance premiums averaged around $161/month in 2017. Drivers in Albertan pay around 25 per cent less for car insurance than Ontario drivers.

It's interesting to note that on average, women pay less for Alberta auto insurance premiums than men - $116/month compared to $126/month paid by men in 2017, but this is pretty much standard across Canada.

Young drivers in Edmonton (aged 25 and under) paid around $187/month in 2017 for Alberta car insurance. Alberta auto insurance premiums go down as drivers grow older. For example, in 2017, people aged 31-35 paid around $152/month, people aged 46-50 paid around $122/month, and people aged 56-60 paid around $100/month.

Alberta drivers with a taste for luxury vehicles can expect their car insurance rates to increase. Drivers with cars valued between $40,000 - $80,000 paid around $170/month for their premiums in 2017.

For Albertans choosing to buy a modest vehicle valued between $10,000 and $20,000, they can expect their Alberta auto insurance premium to be about $123/month. This means rates would be similar for luxury brand older models of compact car brands such as Kia, Mazda, Ford etc.

Facts to Know about Auto Insurance

LowestRates.ca (an online rate comparison website for auto insurance, credit card rates, loans and mortgages) launched its 2018 Auto Insurance Price Index report. This is Canada's only price index to use proprietary data to track the average quarterly cost for car insurance paid by Canadians. The data comes from the hundreds of thousands of quotes processed every year by LowestRates.ca. The index report shows that since the fourth quarter of 2016, the price for Alberta auto insurance has been increasing by 5.1 per cent in 2017, which means that the average Alberta driver paid more for car insurance in 2017 than in 2016.

Police have jurisdiction when it comes to deciding who is criminally responsible for a motor vehicle accident but when it comes to the auto insurance claims, the insurance company makes the decision. It's the insurance company that will investigate the crash and make a ruling about who was at fault - which ultimately decides whether or not the insured will have to pay the deductible.

Statistics from the Insurance Bureau of Canada's (IBC) 2014 top 10 most stolen cars revealed that cars made between 1999 and 2007 were in the top 10. Industry experts believe that part of the reason thieves target older model cars is because fewer of them have anti-theft devices. Additionally, the IBC states that sometimes car owners make it too easy for car thieves to get away with their vehicles. Around 20 per cent of all stolen vehicles had the keys left in them.

Although parking tickets are a pain and an avoidable expense for drivers, insurance companies aren't concerned with how many a driver has; thus, they don't affect car insurance rates. However, if tickets aren't paid, you won't be able to renew your driver's license or registration; and if get your driver's license suspended it will affect your insurance rates.

Application and Renewal of Car Insurance Policies

Thursday, September 27, 2012
Buying Different Insurance Policies for Your Car

The car insurance policies available in the current Indian market differ and depend on the vehicle that you want to purchase. Insuring your car is as important as insuring your life from uncertainties. To suit the changing needs of people, the Indian insurance industry offers many different types of policies. No matter which car you own, availing adequate coverage to protect your vehicle is very important. Inadequate insurance coverage will do no good to your vehicle. When you plan to buy a vehicle insurance policy you need to keep in mind things about the cost of application, its coverage, policy period and other details. Usually people buy insurance policies that offer maximum coverage preferences. In order to avail professional coverage for your beloved car, you can meet the expert policy providers and ask them about available schemes.

Check the Coverage

Whenever you plan to buy vehicle insurance, you need to check its coverage details. Make sure to buy a policy that offers expected protection. You never know which natural calamity or a human error would damage your car. When it is insured from a well-reputed insurance company you receive required ama

• Disasters like fire strike and car accidents

• An act of damage or theft

• Natural calamities or an uncertain event

• Your car insurance policy would also cover costs related to damage repairs, crash or installation of new car parts.

Typically, buying a new car insurance policy from a safe and secured website is a fastest way to safeguard your asset. Thanks to loans and betterment of standard of living of the people, more and more families are able to buy their new dream car. With insurance policies, you can easily offer coverage to your dream vehicle and keep it protected.

Whether you want to buy a brand new policy or renew an already existing one, you can depend on the online portals. Car insurance renewal is a simple procedure that you can follow with just a few clicks. Generally, you can apply for a suitable vehicle insurance scheme as per your age. Just like the personal insurance, it is essential to apply for vehicle insurance at an early age. The younger you apply for a policy, higher the insurance premium will be. In order to avail genuine insurance policy for your vehicle, make sure to contact a reputed agent or a broker. They will help you find out all details about available policies and their coverage features.

As more and more people are planning to buy second hand and small cars, they find it simple to insure them from a professional broker. Easy online application and renewal procedure of the insurance policies allows people to quickly avail required services. Use the calculators to accurately calculate the policy premiums or use the tools to compare different policies. You can even find a policy that has been custom made as per personal requirements and coverage details.

The second most important factor after buying a car and car insurance is car insurance renewal. There are many companies that offer car insurance but very few remind you about the renewal of your insurance. Reliance General is one of the companies that keeps track on your insurance and give easy access to renew your car insurance policy online.