How To Get Cheap Car Insurance Rates

Retail.

Let’s face it: nobody wants to pay anything more than they have to when it comes to paying for their car insurance, so finding cheap car insurance rates is often a priority for anybody who is looking to save their hard earned cash while still ensuring they have adequate cover when out on the road.

In this guide, we’re going to show you some effective strategies you can use whenever you’re trying to find cheap car insurance rates, so without any further introduction, let’s take a look at the tactics we have for you.

First of all, one of the strongest ways to reduce the amount of car insurance you need to pay is to increase the amount of voluntary excess you are willing to part with. Most people are shocked and surprised by how much this can reduce your annual premium, so it’s certainly worth playing with this figure until you find a satisfactory number in which you are happy to pay the higher excess fee, as well as being happy with the annual premium.

Next, it’s worth taking a closer look at some of the online comparison websites which will often allow you to secure better deals. What’s more, you will often find that purchasing your insurance policy through the Internet allows for a discount of anywhere up to 5%, and if you avoid any intermediaries which usually charge a broker’s commission, you may reduce your costs by anything up to 30%.

As you’d expect, saving anywhere from 5% to 30% is a fantastic bonus when you’re shopping for a car insurance policy, so it’s well worth taking the time to implement these strategies. In fact, many people have been able to save a considerable sum on their auto insurance by following these strategies, especially if you’re paying for multiple policies per household.

The Three Types of Headaches

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There are three major types of headaches and they all require a different form of treatment. They all hurt, they all cause pain and we all want to get rid of them. Most of us do not know what the different forms of headaches are, we just call it a headache and all we know is that it is very annoying and that it is painful. Most people think that there’s one way to correct all headaches but that is far from the truth. You have to know what type of headache you are dealing with to solve the issue. It all starts with knowing the different three types of headaches that people have (just like how I think about what permanent life insurane to get for me).

Tension headaches are the most common type of headache that people have. It is the type of headache where you just take an aspirin or some other over-the-counter medication and maybe in an hour you feel better. You lie down, you drink water and take medicine and you’re okay. The other type of headache is known as a cluster headache. It is a little bit more serious and it causes a lot more pain. This form of headache will come with more dizziness and it might affect your eyesight. After that you have the most serious type of headache of all, the migraine. A migraine can send a person to the hospital, it can cause them not to be able to do their job or school work and it can last for very long time. It is a very debilitating form of headache and it calls for Specialized Care.

PM Dear Dairy

American stocks rallied strongly today despite poor economic data pretty much everywhere.  Come to think of it, the data yesterday was even worse, yet stocks did pretty well then too.  The moves had players exchanging theories (LTRO QE, month-end, hedge funds, high-frequency trading) with nothing to hang their hats on.

Well, there were two things. First, European sovereign CDS put in a good performance today. It seems the Eurozone summit aiming to clean up Greece has gotten the nod from investors, and the risk premium allotted to lenders of European sovereigns has decreased significantly.  European stocks were significantly higher across the board, and US stocks often keep the pace.  Which they did.

The other piece of “good news” comes from Washington, where President Obama has announced an initiative to allow homeowners to refinance their mortgages at giveaway rates.  This plan was the subject of rumors a few weeks ago, and was denied by the White House, but now it is revealed for all to see.  Banks will be on the hook for the cost, but what the heck, it’s all their fault anyway.

PM Dear Dairy: Fish or Cut Bait Edition

Well well, look what we have here.  This is a longer-term chart of the S&P 500 going back to its all-time high in 2007.  I stumbled on this today and hadn’t realized we had gotten this high.  In technical circles this is a big deal.  First of all it’s a weekly chart and seen to be more important than daily or hourly versions.  Second, as you can see, this is our third test of the line, somewhat more significant than the second time out.  (If you’re new at this, this downward sloping line is a “resistance” line that can hamper further advances.)

We shall see.  My own sense is that this line does in fact have significance, and even if it does eventually break through to the upside, it will take a week or two to accomplish.  If it does succeed in jumping to light speed, it signals higher prices for some time, and we can monitor the progress by watching the line.  If the line holds, they bears are in luck, because the line is descending and further “tests” will occur at lower price levels.  Time will tell.

Tomorrow is the big NFP release.  As the Bespoke group has mentioned many times, the market tends to do well when the number is “as expected.”  The consensus is for an addition of 140,000 jobs.  We shall see.  In the meantime, a friend pointed out today that the past eight NFP days have been losers for stocks.  That’s a streak that’s meant to be broken.

AM Dear Dairy: TGIF

Last night’s Asian activity was not very memorable, to be honest.  Stocks are mixed but within narrow ranges.  Hong Kong’s PMI (Purchasing Managers Index) came better than expected at 51.9 (some growth) vs an expectation of 49.7, while China non-manufacturing PMI dipped from 56 to 52.9.  Also out of China:  HSBC’s Services PMI remained unchanged at 52.5.  A news item of passing interest is that China is limiting mortgage loans to foreign buyers to cool down property prices.  It’s a small item but interesting because it goes against the conventional wisdom that China is about to reverse course and stimulate the economy.  Not necessarily contradictory, but something to ponder.
In Euroland stocks are up yet again across the board, though not by much.  Europe added to our recent streak of PMI releases, coming in more or less as expected.  The EC PMI Composite came at 50.4 as expected, unchanged on the month.  Germany’s Services PMI came a tad weaker at 53.7 vs a 54.5, while France did a bit better, at 52.3 vs the 51.7 expectation.
There are news bits here and there about this and that, but nothing of significance.  All eyes are on the NFP number at 8:30, and though you never know, I’m guessing the number will be pretty close to expectations.
Shameless Plug Dept:  a few thoughts on copper.