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The Major Factors When It Comes To Auto Insurance For Seniors

With recent changes, a lot has changed when trying to find auto insurance Ontario. The needs and concerns of today’s senior drivers are very different from the typical grandmothers and grandfathers of the past. Today’s senior lifestyle is much more mobile, life expectancy is so much higher, and some seniors own more than one home, many times traveling between homes several time each year. Elderly drivers tend to have completely different needs as opposed to the rest of the population. However, elderly drivers, just like everyone also want to save a few extra dollars at the end of the month on their insurance. So, here are the most common factors affecting senior car insurance quotes.

Age May Actually Get You Better Insurance Rates

As much as some of us would like to, we just can’t turn back the clock. There are a number of advantages and disadvantages that come with age. One of the advantages may be a good thing for senior drivers when it comes to getting lower rates on car insurance. Over the age of 55, most companies give you a 10% discount on insurance roughly. The insurance firms will find you to be a very safe driver if you don’t have any younger people attached to your policy or any previous car accidents.

Many companies offer retiree discounts and rebates that start when you retire. A few companies offer discounts for low mileage policies and if you don’t commute to work, then it might be worth your time. Low mileage insurance policies are based on coverage that protects you up to a certain maximum amount of mileage each year. The policy for low mileage is great for a retired driver who does not do the daily commute to work every morning. Both of these discounts have a positive effect on car insurance rates and work in favor of senior drivers.

Things That Can Increase The Price Of Your Car Insurance

Typically, vehicle insurance rates for seniors are going to be higher. The hard truth is that rates for senior drivers over the age of 70 are higher because they are simply not young anymore and are at higher risk for being involved in an accident. Even if a senior has a spotless driving record, insurance rates will be higher after age 70.

Because our eyesight deteriorates as we age and our reflexes get slower, we are considered to be more risky drivers. These factors combined with a few other concerns are responsible for the insurance rates that we receive. Even though many firms don’t give coverage to people older than 80, some firms do give coverage even higher. It’s best to make certain you know all the details that pertain to your particular situation.

The vehicle that you have is also very important for your insurance rates. Less luxurious cars are probably a good idea, because they will cost you less over time in both repairs and in insurance costs. The smaller the engine, the less risky you are considered.

Comparing among different rates is bound to save you a significant amount of money, so do not hesitate to search around before committing to a policy. Automotive Insurance websites will allow you to find a lot of information in a short time. If you still have questions, contact your insurance agent or representative directly to get some answers about factors affecting senior’s car insurance quotes.

It’s tough to find cheap auto insurance in Ontario without a service like Kanetix. You can calculate your lowest potential insurance quotes by comparing many insurance companies in Ontario.

Guidelines For Short Term Car Insurance

People often wonder why someone would ever be interested in car insurance for short term. Many, including those who live in cities with good transportation systems, do not have a need for permanent cars. As a result, they simply don’t have an insurance policy. Usually a temporary policy lasts less than a month and is set up immediately. If you decide to borrow a friend’s car you may want short term temporary insurance.

If you get in an unfortunate accident, your friend doesn’t need to end up paying for your mistakes. Also, if their car is damaged you will be certain to have the right cover to have the repairs made. This also means that any claim you make would not reflect on their claims history.

When renting a car you have the choice of using your own auto insurance policy, if it covers rentals. You can also purchase insurance from the auto rental agency. Often times, most people report car rental firms charge too much for their insurance products, at least for the protection they deliver. For this reason, short term insurance can be beneficial.

Winter storage protection is also available and some people take advantage of these policies which protect them only from theft or damage while in storage. But if for some reason, you want to take your hot-rod mustang for a 2 week vacation in the middle of the winter and drive to Florida, you may want to take out a temporary insurance for those two weeks.

If you like to buy cars cheaply and sell them for more expensive prices, you can find the use of having short term insurance for that car.

If you have a brand new expensive vehicle, make sure you get the proper insurance plan before you drive it off the lot. You may opt for a temporary policy so that you have time to find the right long term policy to fit your needs. If you have current car insurance this might already be covered on your policy. But you should check your current policy to see if you are covered.

Whether you’re shopping for a short term or a long term policy, they both generally have the same options. You can get a policy for only liability, or perhaps you want a full coverage. Some short term packages also include medical expenses, but not all.

It could be useful to read the restrictions and the fine print, such as any terms or conditions, to make sure that you get exactly the protection you’re looking for. You can check out a company’s reputation by looking at their rating which can give you an idea of the strength of the insurer and their history of timely claim payments.

In the majority of cases, you must be over the age of 21 in order to get temporary car insurance. There are policies for drivers under 21 years of age but they are more difficult to locate and will be undoubtedly more expensive. Finding multiple insurance quotes is the easiest way to make sure that you are getting the cheapest price available out there.

It’s very difficult to get a good insurance package. This is why Kanetix offers a variety of car insurance quotes.

The 10 Most Stolen Vehicles of 2010

Luxury, Power and Performance.

According to the list of 2010’s most stolen cars, those three descriptions summarize the ideal car that thieves like to break into.

The HLDI (Highway Loss Data Institute) is an independent organization that looks at car insurance claims & losses. For every 1,000 of these cars on the road, approximately 6 to 11 of them have been stolen, broken into, or have had parts stripped off of them.

The majority of the vehicles on this list are either some type of a truck, or a sports utility vehicle. The number of anti-theft and other security devices don’t seem to reduce the chance of theft as much as previously thought, at least not when it comes to these cars.

These anti-theft features “won’t stop a determined thief from loading a car on a flat-bed truck,” says Russ Radar, the Institute’s news media contact.

Beneath are the numbers for the cars that are most stolen and while a few of them are surprising, there are several that we can say were pretty obvious. Statistics are for every 1,000 cars.

10. Chevrolet Tahoe – 5.8 At the bottom of the list is the famous Chevy Tahoe, quite a popular SUV in the United States. Although the new Tahoe has much better fuel economy than its competition, the hybrid version can cost about $65,000. The Chevy Tahoe also won an award from Consumer Guides as a Best Buy; also unfortunately one of the most stolen.

9. GMC Yukon XL – 6.0 The 2010 GMC Yukon XL is an excellent choice for families who require a really big SUV with plenty of seating, towing and lots of cargo powers. Its massive size is also an attraction for car thieves, with approximately 6 out of every 1,000 stolen.

8. Hummer H2 – 6.2 The now defunct Hummer brand remains a popular choice. The more cost-attractive H3 that came out in 2006 hasn’t proved as interesting to thieves as the massive road beast H2. A trendy choice of sports figures and hip-hop artists, the H2 is a nice ride, for those who purchased it legally.

7. Nissan Maxima – 6.5 Surprisingly, the Nissan Maxima is the only sedan that makes this top 10 list. The 2010 Maxima was ranked 16th out of 21 upscale midsize cars by the US News. Despite the poor consumer usage reports, the sporty Maxima with the various trim packages make it one of the most fun cars to drive in its class.

6. GMC Sierra Crew Cab – 6.7 The 4-door, 6-passenger full size GMC pickup is one of two top 10 most stolen trucks of 2010. The pick-up is often targeted for its versatility and for its use in other crimes. Trucks and vans are easily cloned and made to look like legitimate utility or delivery vehicles, making them a great target for criminals.

5. Infiniti G47 Coupe – 7.1 Infiniti’s website calls this vehicle “effortless in its exhilaration and intense in its seduction.” We’re still talking about just a vehicle, right? The bold style and sleek look of this sporty car can attract the ogles of the most unscrupulous pair of eyes.

4. Chevrolet Avalanche – 7.4 Another big truck on the road, the Avalanche, technically considered a cross-over in sport utility trucks, has the attractive storage and capacity options of a full-size truck with the features and roomy interior of an upscale SUV. A pricey vehicle, starting at close to $40K, the Avalanche is in the top ten list for the first time.

3. Dodge Charger – 7.4 Equaling the Avalanche at 7.4 stolen out of every 1,000, Dodge’s “muscle” car, the Charger, hits the list at number 3. Its throwback sporty design and heavy duty engine make it one of the most fashionable cars to steal.

2. Chevy Silverado – 8.0 The Silverado is reasonably priced and dependable, making it one of the most purchased trucks out there today. With so many on the road, you would figure some of them would have to be stolen, right?

1. Cadillac Escalade – 10.8 Our reigning champ is Cadillac’s Escalade. The giant luxury SUV has been atop the list since 2002, and it doesn’t seem to be going anywhere soon, hitting double digits with the amount stolen for every 1,000. Starting at $60K and going up to close to $200K, this opulent SUV is hard to insure, but easy to steal.

Insurance costs depend heavily on the theft rate of the cars. That’s why websites like Kanetix help you get cheap auto insurance.

Three Very Useful Tips For Getting Cheap Home Insurance

Home insurance is required when you have an active loan against your home. This regulation, however, is for the benefit of the home owner in the event a problem arises and a claim is needed. Making sure you have the proper insurance for your home is a responsibility every home owner must take. Using the following 3 tips should help you ensure that you are covered completely.

1. Make sure that your policy covers the true value of your home. This is especially important when home prices begin to rise. If your home is only insured for the price you purchased it at you may not be able to replace your home at a later date. A yearly review of the value of your home and the amount it is insured for is necessary. It is also important to verify that you are covered for any mishaps that occur on your property. People that enter your property to visit or work must be covered in the event that an accident occurs.

2. Make sure you understand what is covered and what is not and purchase the appropriate riders to cover any unforeseen event. Many home owners are surprised when they are subject to a natural disaster only to find out that their insurance did not cover the event. If you live in an area that is prone to flooding, large storms or even excessive snow, make sure that you are covered for any problems that could arise from these events. Many insurers will offer separate policies for these events and will not cover them unless the additional coverage has been purchased.

3. Purchase separate coverage for your personal belongings. Most insurance plans will cover the replacement value of some of your interior items, but in general do not cover much. You must have contents insurance to cover your personal effects. Expensive jewelry, art work or antiques should carry a separate policy.

Insurance for your home does not have to be a complicated issue; the home owner just needs to take the time to make sure they are insured completely. Home insurance must be able to cover replacement of your home in the event of total loss and it must cover you for any events that take place upon your property. By familiarizing yourself with your policy, and making any necessary changes, you should find yourself covered for any situation that may arise.

Protecting your home and your investment is very important. In the event that your house burns down, or an unfortunate, unforseen event happens, you will be covered. It’s difficult to find a really good deal, that’s why Kanetix makes it easy for you to get home insurance.

Top 5 Cities To Visit On New Years

New Year’s Eve is one of the most important global holidays with modern-day celebrations that vary from religious feasts to vibrant parties with colorful lanterns and fireworks. To discover the global essence of New Years Eve, these are the five best places to visit:

Sydney Harbor Before the western world has awakened, Aussies down-under are welcoming the New Year with a riot of partying and fireworks. On New Year’s Eve, more than 1.5 million Australians and foreign party-goers gather in and around the harbor to view the famous fireworks display. Not only is Sydney one of the first major cities to welcome the New Year, it’s one of the best places to enjoy summer weather while other cities are stuck in the cold.

Tokyo New Year’s Eve is an ideal time to visit Tokyo. Although many of the shops and tourist spots are shut down for the three-day New Year celebrations known as shogatsu, it’s a great opportunity for visitors to see another side of Tokyo as the local residents enjoy time off work to gather with friends and family. On New Year’s Eve, Tokyo hosts a large variety of celebrations with live entertainment, fireworks, New Year’s Toshikoshi Soba, and the ritual Juya No Kane Night Bell, which is rung 108 times in the Buddhist tradition. On January 1st, visitors in Tokyo can also stop by the legendary Imperial Palace and gardens, which is only open to the public two days a year.

Bangkok Like many Asian countries, Thailand celebrates the Thai New Year, the lunar New Year and the western New Year. In the capital city of Bangkok, residents and tourists young and old gather in the city’s historic Phra Nakhon waterfront district to celebrate New Year’s Eve among the temples, which are lit with a variety of colorful lanterns. Bangkok’s New Year’s Eve celebrations include fireworks over the Chao Praya River and a showcase of the country’s diverse regional cultures with live performances, street dancers, musicians, food and teas.

Times Square Since 1907, New York City has hosted the mother of all New Year’s Eve celebrations. Approximately one million enthusiastic partiers gather in Times Square to see the famous ball dropping. The newest incarnation of the Waterford crystal ball contains hundreds of colored lights that complete the themed celebration. In the cold winter weather, attendees will appreciate a cup of hot chocolate and a soft pretzel.

Barcelona Located along the Mediterranean coast, Barcelona is one of the most popular destinations in Europe for celebrating New Year’s Eve. During New Year’s Eve and the first week of January, the laid-back city transforms itself into a chic mecca for international party goers. Discos, clubs and bars are crammed with young people in the evening before the celebration moves into the street anticipating the countdown to midnight. In the streets, Spaniards celebrate the New Year by eating 12 grapes along with the tolling bells of the clock. The celebration is completed with a toast of Cava, a Spanish version of champagne.

Why hesitate? You should go and celebrate New Years somewhere fun. There’s nothing better to start your year as going to Barcelona to kick back and open up a bottle of sparkling wine. If you are planning to travel however, make sure to get travel insurance quotes from Kanetix.