•How Can New Drivers Save on Auto Insurance?
When looking for auto insurance, new drivers will be charged a higher rate than those with a driving record. This statement is a given. There are, however, ways that some of these higher costs can be reduced. It takes some time and research on the new driver looking to get insured, but it can happen.
First off, look to see if someone in your family has an auto insurance policy that you can join. This saves a lot of money compared to having an individual coverage. Being on a family member’s...
•What You Need in Automobile Insurance Coverage
So you are looking at automobile insurance and wonder what you will choose. This is a typical reaction for those looking for automobile insurance. When you sit down with an insurance agent, whether in person or on the phone, they might ask you some questions you do not know much about. This is turn, can change your automobile quote significantly if you do not get exactly what you need. Some people need more coverage, some people need less. Here are some pointers you need to consider before...
•Insurance: Maintaining a Good Driving Record
If you are a new driver, you are thinking; “how can I lower my Insurance Premium?” Although there are some things you can do now, there are factors that will affect your long term insurance premium. The biggest factor is your driving record. Of course, right now you do not have a driving record, hence, why you insurance premium is so high. As of now, the insurance companies see you as a huge risk and liability. It is up to you, throughout the years of driving, to establish a good driving record...
•Teenage Drivers = High Insurance Premiums
It is a well known fact that teenagers have one of the highest premium rates around. Why is this you ask? Why are they picking on the Youngsters? The insurance company sees them as the greatest risk. The insurance companies can not be blamed; however, it is the statistics that back their decision. When really looking at the whole picture, you can see why insurance companies give teens the “shaft” when it comes to automobile insurance.
Why Teens Are Risks
1. Distractions: Distractions can be a...
•Who Has the Best Automobile Insurance Premiums?
When it comes to automobile insurance, there are so many insurance carriers out there; it is sometimes a bit overwhelming. Each company claims to offer the lowest priced premiums and excellent customer service, but in fact, who really does? If you were to search on Google, typing “Automobile Insurance”, you would find thousands of insurance companies. You will notice some of the names, and others you will have never heard of in your life. So where do you go when looking for the best deal on...
•Antique Auto Insurance: Grundy Worldwide
When searching for antique auto insurance, it is important you understand what you are getting. This specialty insurance also comes with many restrictions and can sometimes interfere with what you would like to accomplish while owning an antique automobile. To most, an antique automobile is something they enjoy viewing, working on and restoring it to its original condition. These people typically only take their car out when it is necessary to keep up on its maintenance. There are however,...
•New Drivers: Why is Insurance so Expensive?
First of all, I would like to say congratulations on getting your license. You have just stepped into the world of another responsibility. Most people, especially teenagers, would see this as a freedom they have been waiting for up until this point. Unfortunately, this is not how the insurance companies view you. You are excited because you have now become mobile! The insurance company sees this as a liability waiting to happen. This is why new drivers, young and old, have a higher premium than...
•Shop Around For Your Teenagers Car Insurance
Like most parents who have a teenager, there comes a point in time where they are able, and want to drive. With this new freedom, come changes for both the parent and teenager. More than likely, the arrangement for the teenager is much more favorable toward them than it is for the parents. But as parents, we must find a way.
Just like car insurance for adults, finding an insurance policy for a teenager works the same way. Being that you yourself are overpaying for car insurance yourself, this...
•What do Insurance Companies Look At?
Before you go searching for an automobile insurance policy, you need to know what they are looking for. As a purchaser of insurance, you will need to know what benefits are available to you, how the insurance company will evaluate you, and how you can get the best policy premium.
The best way to go about attaining auto insurance is to shop around. An easy way to do this is to go online. You can literally get 15 car insurance quotes in about 30 minutes to an hour. Not bad considering it could...
•New Driver Vs. Experienced Driver: Insurance Difference?
If you are reading this article, you are probably interested in knowing if there is a difference between a person who is new at driving and a person who has been driving for years. The truth is, no matter how good a new driver is, they are automatically thrown into a lump some of liability drivers. Insurances companies start off seeing new drivers as a huge risk. As that new driver establishes a driving record, this starts to diminish, borrowing that the driving record is a good one.
Young...
•Auto Insurance - How to Get the Prices You Want
When it comes to automobile insurance, the insurers know you, as the policy holder, have many choices available to you. They also know how easy companies are making it to get a quote either online, or over the phone. So what makes each individual person choose a particular auto insurance company? Well, it depends on who that person is. There are many different levels of automobile insurance, and it is based on each persons individual needs.
When a parent is looking to insure their new driver,...
•It’s Time to Insure my Teenage Driver!
So it is time to insure your teenage daughter. As many of you are well aware, this can be a headache at times. For the most part, it is just a heightened expense. No matter how good a teenager you have, it is very apparent young drivers are more costly to insure.
Being that insurance rates are directly correlated with statistics, the statistics show that teenage drivers are more hazardous on the roadway. Teenagers show higher rates of crashed, whether it is fatal or not. There are some other...
•Car Insurance For a Teenager - A Few Tips
Your wonderful teenager just got their license and they are ready to drive; but are you ready? When a teenager gets their drivers license, the last thing they are concerned about is the specifications and “small” details that come along with this new found privilege. Unfortunately, the person the biggest change falls on is on the parents. It is pretty much assumed that a teenager, when first getting their license can not afford their own insurance policy, and will typically not have their own...
•Whats the Buzz on Antique Auto Insurance?
Everyone knows when it comes to insurance, there are many choices and antique auto insurance is no exception. So which one do you go with? Below are some reviews on which antique auto insurance carriers provide the best service and coverage.
Leland West Insurance: This specialty insurance company has over 25 years of experience and regarded as one of the most reliable and trustworthy insurers. Some key highlights they offer are: Phone help, choose your repair shop, Lower premiums, and agreed...
•Antique Auto Insurance - What You Need to Know
In a generalized view, antique automobile insurance is for those vehicles that are 25 years or older. Of course, this comes with some conditions that make it specialty insurance. There is a distinct difference between regular automobile insurance and Antique automobile insurance.
A major difference in the insurances is the driving aspect. Antique vehicles are really not driven except for maintenance purposes. Regular vehicle insurance is designed for those vehicles that will be driven daily....
•Auto Insurance - How Many Types Are There?
This article was designed to break down the different automobile insurance parts so you can better understand them. There are typically common misconceptions on insurance in general. So before you decide to go with certain insurance coverage, read this article first so you are prepared.
Categories of Automobile Insurance:
1. Bodily Injury Liability: Basically, bodily injury is an insurance you carry in case you do hard to someone else involved in the accident. This is the insurance part that...
•Car Insurance Companies : How Do They View A New Driver?
As a new driver, you will have some new responsibilities. If you are reading this article, you could be a teenager that just got their license or someone older who never had a license before. Which ever your case, there are some things you need to know about care insurance and how you can become a safer driver on the road. Almost everyone gets a driver’s license at some point in their life, but not everyone always knows the risk involved every time you step foot into a vehicle.
What the...
•Teenage Auto Insurance - How Are You Going to Save Some Cash?
Ten to one if you are reading this article you either have a teen that just acquired their license, or you have a teenager that is killing your insurance. We all have read articles about ways to save on your insurance through joint plans, higher deductibles, good grades, multi car, etc. What about the long term effects? Do you want your teenager to keep being on your policy, or would you like for them to have their own when it comes time. When it comes time to get their own policy, are they...
•Teen Auto Insurance in Florida - Whats So Different?
If you do not already know, Florida is a no fault state. This means that there are some requirements that Florida might have that other states do not. If you are currently looking into getting insurance to cover your teen that just got their license, here are some things to keep in mind. Some of us have not had to purchase insurance in a while!
Florida Requirements:
- Your teen must have a learners permit before being able to obtain an official license. Not only do they have to get a learners...
•New Drivers Insurance - The Sad Truth About Those High Premiums
Insurance Companies are reluctant to provide low cost insurance for individuals such as teens and new drivers because of their inexperience. There is the old argument of, well how are they ever going to get the experience, if they can afford the Insurance, in order for them to be able to drive. Most often, the blame for the high insurance rates regarding this age group is blamed on the Insurance Companies. It is true that Insurance has high costs right across the board. It must be remembered...
•New Drivers Insurance - An Interesting Way to Get the Prices You Want!
Much attention is put on the teen drivers and what can be done to get them affordable Insurance, but what about the new drivers that are not teenagers anymore. Unfortunately, they face the same dilemma.
This does not mean that there is no hope for the new drivers. It does mean a lot of research and shopping around. By diligently doing this, you could very well save yourself a great deal of money. Do not fall into the trap of thinking that all Insurance Companies and Premiums are the same rate,...
•Teen Auto Insurance - Just What You Need to Do!
As parents, we are always telling our children to grow up and learn to take responsibility. Then when it comes time for them to get their drivers license, we find ourselves wishing that it was 8 o'clock at night and we were tucking them into bed after they said their prayers. We often talk about the turmoil and turbulence that teens going through but the same stands true for the parents. We are excited for them, and proud of them, when they successfully obtain their drivers license. Then that...
•New Drivers Car Insurance - How Easy is it to Lower Those Premiums?
So, you are a new driver or a parent of one and you are concerned about the extreme prices that come along with new drivers insurance, well you aren't alone. Thousands of families go through this every year and although the prices are going to stay somewhat high for a few years you can slightly lower them and you CAN keep them from going up.
How do you keep them from going up? Well the easiest way to keep you premiums from raising is to teach your teen to be a safe and respectful driver....
•New Drivers Car Insurance - 6 Ways to Save on Teenage Car Insurance
Has you son or daughter just received their license? Well I'm sure they are excited and you may be as well but there are many things to figure out before your new driver gets out on the road and one of those things is auto insurance. Insurance for teens can be 100 to 200 percent higher then your insurance, why?, because teens have a statistically higher chance of getting in to an accident. Now there are ways to lower your new driver premiums but its not going to completely get rid of the high...
•Teen Auto Insurance - What Is The Price Of Protection?
New drivers are extremely naive for the first several years and everyone knows this. Years of statistics have shown the insurance companies that these new drivers have a much greater chance of getting into an accident and this has an unfortunate effect, it causes extremely high insurance premiums. If the teen's parents put them on their current insurance its going to increase by one to two thousands dollars a year. There is no way to stop this spike in prices but there are a few tactics that...
•Measure Your Time Against Active Inactivity
Measure Your Time Against Active Inactivity
by: Nick Vernon
We don’t realize many things we do until we draw our attention to them.
Active inactivity doesn’t occur only now, it can occur later unless you catch yourself doing it.
What is active inactivity?
It’s when we do things that don’t progress our purpose. The only thing that will progress your purpose is doing things your business requires.
Active inactivity stretches to all aspects of our lives.
A business needs time to set up....
•Number One Killer Of Could-Have-Been Success Stories
Number One Killer Of Could-Have-Been Success Stories
by: Nick Vernon
Fear.
Everything in this world has its opposite.
Good has bad.
Optimism has pessimism
Positive has negative.
Success has failure.
If fear of failure rears its ugly head now and then as you set up your business, what it’s doing is pausing your progress.
Sure you might spend a day or two thinking, ‘what am I doing!’ but you get over it and continue. But that’s no good.
This ongoing temporary fear of failure keeps...
•There Is Room For Everyone At The Top
There Is Room For Everyone At The Top
by: Nick Vernon
Do you believe that? Do you believe we can all become successful? Every single person on this earth old and young. Do you believe every single person can be successful?
It sounds a bit far stretched doesn’t it?
If you think it can’t be possible stop reading right now and analyze why you think like that.
Is it because the world doesn’t have the resources?
Is it because for the world to work there has to be a balance of winners...
•Can Your Theme Be Proved In Your Story?
Can Your Theme Be Proved In Your Story?
by: Nick Vernon
Creative Writing Tips –
Your theme has to be something you can prove in your story - It doesn’t have to be a universal truth. This means that your theme doesn’t have to be something that happens in real life all the time (providing our logic can accept it, in order for us to believe it).
Whatever story you choose to write, be it a contemporary or a story which requires elements of fantasy such as in horror, science fiction etc… the...
•Does Each Element of Your Story Further The Theme?
Does Each Element of Your Story Further The Theme?
by: Nick Vernon
Creative Writing Tips –
Whichever theme you choose, all the elements, which make up your story, dialogue, conflict, scenes, etc should be written with the theme in mind.
Your theme should progress the story.
If you find that anything in your story doesn’t progress it, it should be cut when you are in the editing stage.
Before we see an example of elements written with a theme in mind, let’s think of a theme and a...
•Have You Tested Your Theme Against Your Plot?
Have You Tested Your Theme Against Your Plot?
by: Nick Vernon
Creative Writing Tips –
How we usually begin the preparation stage in the writing process is…
We think of an idea for a story
We think of a suitable theme
We plot
Once we come up with a theme and we begin plotting, we have to see how the theme and the plot match up. Sometimes as we plot we find that the theme we had initially chosen won’t do.
For example…
‘Winning The Lottery Makes Your Life Easier’
Plotting with...
•Is The Theme Running Throughout The Story?
Is The Theme Running Throughout The Story?
by: Nick Vernon
Creative Writing Tips –
It’s no use coming up with a theme and not using it. Short stories are about a character or characters and about one situation or happening in those characters’ lives.
By concentrating on that one thing, our stories are focused. You will need to focus to maintain a level of intensity and sticking to the theme enables us to do that.
Let me give you an example…
~~~~~~~~~~~~~~~
Scenario One
Let’s say your...
•Does Your Theme Contain Character, Conflict, Resolution?
Does Your Theme Contain Character, Conflict, Resolution?
by: Nick Vernon
Creative Writing Tips –
For a theme to work and the story, which will revolve around the theme, it has to contain three things…
Character
Conflict
Resolution
What’s the reason for this?
If your theme doesn’t contain these three essential elements, then you won’t be writing a proper short story. It might turn out to be an essay instead.
Because without…
1) Characters
You can’t achieve emotional depth....
•Does Your Story Have A Theme?
Does Your Story Have A Theme?
by: Nick Vernon
Creative Writing Tips –
It should.
A theme is a one-line explanation of your story.. Every story should have one because our stories are about something.
When I say should, I mean that this isn’t always the case. Especially so for beginner writers, who may not know, that the theme carries the story. Or even those who’ve been writing for years may not be aware of the importance of a theme.
And a theme is important.
A theme is what will...
•Does The Title Reflect The Story?
Does The Title Reflect The Story?
by: Nick Vernon
Short Story Writing Tips –
We all have different tastes in what we like to read. Some have a particular taste for horror, while others prefer romance or fantasy or crime stories, etc. My favourite genre in short stories is horror, so once the title grabs my attention, I will enthusiastically read the story.
You may want to leave your readers in no doubt of the type of story you have written. That’s fine. You want to grab all the fans out...
•If The Viewpoint Character Is A Secondary Character, Have You Established Who He is?
If The Viewpoint Character Is A Secondary Character, Have You Established Who He is?
by: Nick Vernon
Creative Writing Tips –
I have said above that if a secondary character tells the story of the main character, then the spotlight should be kept on the main character.
This shouldn’t be taken to the extreme though.
In other words, you don’t just write the story of the main character without telling your readers a bit about your secondary character.
Unless the reader understands the...
•Creative Writing Tips - Have You Established Your Main Character At The Start?
Creative Writing Tips - Have You Established Your Main Character At The Start?
by: Nick Vernon
In the beginning of your story you have to grab your readers’ interest and sustain it till the end. Our hook is our character. Readers keep on reading to find out more about the character. To see what he’ll do in the story; how he’ll solve his problems. What his goals are and whether he’ll achieve them.
And because our character is the reason readers become hooked on our stories, establishing him...
•Have You Settled On First Choice When Choosing A Title?
Have You Settled On First Choice When Choosing A Title?
by: Nick Vernon
Short Story Writing Tips -
We’ve established what a title should be and we’ve also established your title is your selling tool. So if it can make or break the sale of your story, then we’ll have to agree that it is extremely important. How much emphasis have you placed when selecting a title?
You can’t write a story before titling it, so you jotted down the first thing that came to mind.
You added it as an...
•Have You Tested Your Plot?
Have You Tested Your Plot?
by: Nick Vernon
Creative Writing Tips –
Our plotting stage is our testing area.
Everything in the plot should be tested for its effectiveness before we put in into our stories. If you believe something in your plot could be better, make it better.
Figuring everything out in your plot will save you time rewriting later.
So how do you test your plot?
Start with everything that has gone into it.
For example...
Are the events interesting?
Does your plot...
•Does Your Plot Suit Your Characters And Vice-Versa?
Does Your Plot Suit Your Characters And Vice-Versa?
by: Nick Vernon
Creative Writing Tips –
When an idea comes to us for a short story, we either think of a story line first or a character first. Whichever we think of first, and later on build, we have to make sure the plot and the character suit each other.
Example one – We think of a story line first.
Your story is set in a rural area. A company opens a factory and employs workers from that small town. The residents welcome this, as...
•How Are You Plotting?
How Are You Plotting?
by: Nick Vernon
Creative Writing Tips –
Writing is a creative process and how every writer chooses to create, is individual to them. Likewise, with plotting, every writer plots at a level they are comfortable with.
Some just plot the bare essentials. They have a firm idea of the story they want to write and have a good memory to be able to memorize everything.
Others go into more detail. These writers prefer to figure everything out before they write the story....
•Have You Completed A Character Questionnaire?
Have You Completed A Character Questionnaire?
by: Nick Vernon
Creative Writing Tips –
Complete a character questionnaire for each of your main characters or even secondary characters that play a vital role in your story. This way you will know your character(s) well before you start writing about them.
Fill in as much information about them as possible. Don’t only answer what you will need in your story. The objective here is to get to know your character till he becomes a ‘live’ person in...
•What Can Go Into A Plot?
What Can Go Into A Plot?
by: Nick Vernon
Creative Writing Tips –
We all tackle plotting differently. How you plot will be individual to you, as it is with every writer.
Below is an outline of what can go into a plot. How much you choose to develop each point is entirely up to you.
So some basic questions to ask are…
Briefly what your story is about
The theme?
Main Characters
For main characters it’s best to write a full biography of them.
Secondary Characters
Who...
•Do You Plot With Your Character In Mind?
Do You Plot With Your Character In Mind?
by: Nick Vernon
Creative Writing Tips –
You are plotting the story. You write down what will happen, what problems will arise, what obstacles you will place so the character won’t reach his goals immediately, what he’s going to do to overcome these problems etc…
So all these things will be happening to your character since it’s his story we are telling.
Does it make sense then to have your character in mind as you plot these things?
It does....
•Creative Writing Tips - Does The Name You Chose Suit Your Character?
Creative Writing Tips - Does The Name You Chose Suit Your Character?
by: Nick Vernon
How do you choose a name? Do you put down the first name that pops into your mind? Initially that’s what I used to do, until someone pointed out to me that there are a few things to take into consideration when choosing a name…
1. You Have To Be Comfortable With It
We associate names with people we know. If you like a certain name but know and dislike a person who bears it, will you feel comfortable using...
•Have You Plotted Your Story Before Writing It?
Have You Plotted Your Story Before Writing It?
by: Nick Vernon
Creative Writing Tips –
The writer, who doesn’t have the time to plot, always finds the time to rewrite.
Sound familiar?
I’ve been guilty of this too, back in the early days of my writing apprenticeship. I was so eager to get stuck into writing my story that I wouldn’t bother with plotting.
Plotting gives you a sense of direction. It’s your map, which will lead you to write your story. Leaping into the unknown rarely works....
•Do You Know What A Plot Is?
Do You Know What A Plot Is?
by: Nick Vernon
Creative Writing Tips –
What a plot is and what a story is can be sometimes confusing. If you think they are the same… They are not. A plot is the outline of your story. The story is everything included.
I will illustrate the difference by asking you to visualize two pictures…
1. Visualize a skeleton.
Then
2. Visualize a body.
The skeleton is your plot. It’s the outline of your story. It won’t be visible when we flesh it out but it will...
•Is The Theme Reinforced In The Ending?
Is The Theme Reinforced In The Ending?
by: Nick Vernon
Creative Writing Tips –
By now you should have an idea that your theme has to reach its conclusion just as your story does. But our theme has to do more than reach its conclusion – it has to be reinforced in the end and by doing this, it will strengthen all that we have said in our story.
So if we took a theme…
‘Persist and in the end you will succeed’
And I showed my character working hard to achieve his goals, persisting, even if...
•Is Your Title Compelling?
Is Your Title Compelling?
by: Nick Vernon
Short Story Writing Tips:
Your title is your selling tool. It’s the first thing readers will scan and contemplate whether to read your story.
What your title’s job is, it has to lure the readers into your story – it has to be so compelling that they won’t even have a chance to ask themselves, ‘Will this story interest me?’
Their eyes will glide over the title and into the story before they realize it. The action will be instant.
What’s a...
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