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Avoid making these mistakes while buying auto insurance

Avoid making these mistakes while buying auto insurance

Auto insurance is mandatory, and one must buy or renew policies with every vehicle they acquire. The premiums and coverage vary between states, so you must compare and purchase policies accordingly. First-time buyers tend to make some common mistakes and end up with insufficient insurance coverage. Vehicle owners need to ensure their auto insurance provides adequate protection. Here are six such mistakes to be wary of while buying auto insurance.

Failing to research
Don’t buy insurance only based on the cheapest quotes you can find online. Not all policies will be beneficial as they will have varying coverage and limits. Use tools available for comparing the top insurance quotes for auto insurance. For example, Gabi is a dedicated platform recently acquired by Experian, one of the three premier credit rating agencies. The service locates the best policies online based on your coverage needs and allows you to switch to the new coverage hassle-free directly from their platform. You save time, money, and effort while getting better coverage. The Zebra is an alternative platform that provides similar third-party services for comparing best quotes.

Paying only the minimum coverage
All states mandate a minimum policy to be taken by drivers who own a vehicle. But you can opt for higher insurance coverage depending on your daily driving needs and the availability of resources. Many qualifying criteria may result in claim rejections due to insufficient coverage. While it is necessary to meet the mandate, it is equally important to pay for a decent policy to consider all possible liabilities for the claim. Paying for sufficient coverage may increase your monthly premiums but save you from shelling out hefty out-of-pocket expenses arising from unforeseen liabilities. At the same time, avoid taking excess coverage as you need to consider your needs and ask for custom quotes to arrive at the right premium price.

Not asking for discounts
You don’t have to pay the total premium quoted by the insurance company. Many qualifying criteria are eligible for discounts while applying for a new policy. For example, insurers will consider factors like vehicle usage, the number of current policies, automobile safety features, special driving permits, and even recording vehicle stats that the company can track. The more additional terms you agree to, the cheaper your quotes will be for auto insurance. Also, hire an expert to appraise the vehicle and compare the terms of multiple policies to narrow down companies that offer the most competitive rates.

Not making proper disclosure
Simply buying car insurance is not enough. You must also disclose details of the drivers who will be handling the automobile. In case of accidents, the insurer will conduct inspections to verify the extent of the claim. If an undisclosed driver was behind the wheel at the time of the accident, it could trigger a hefty premium hike for non-disclosure. In some cases, insurance companies might even cancel your coverage for not complying with the disclosure policy.

Not changing insurance providers
It is not necessary to continue with the same insurance provider every year. In some instances, when you switch vehicles, your existing policy might not cover costs for a different category of automobiles. Also, insurance rates are highly competitive of late, so businesses will often outbid each other to quote the cheapest rates and attract new customers. Now would be the perfect opportunity for you to save some extra dollars by switching providers.

Forgetting to update major details
Insurance policies can lapse easily if the company finds out you have failed to update the policy after any major life-changing event. For example, marriage, divorce, relocation, or even adding a teenage driver to the policy will automatically trigger changes in the premiums and coverages. Newlyweds can add their spouse to lower the amount of premium. Teen drivers can benefit from student discounts if they meet the qualifying criteria. Similarly, relocating will trigger a change according to the mandate, especially if you move to a new state. All these changes must be updated with the insurance company.

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Stay at the top of your health game with these 4 tips

Stay at the top of your health game with these 4 tips

Think of the human body as a car. Pouring the cheapest gasoline (unhealthy food) in a car can damage the engine (bodily organs). Instead, if you can take care of yourself by committing to fitness via proper nutrition, it can take you a long way. In a recent study, it was found that approximately 55 percent of people derive daily calories from refined and processed foods. This can be counterproductive as these foods are full of unhealthy fats and devoid of essential nutrients. How are fitness and nutrition related to each other? Fitness and nutrition go hand in hand. Consuming foods containing healthy nutrients enables your body to function in a way conducive to physical and mental well-being. You may find yourself becoming more active, and burning calories off in a healthy manner. If you continue to maintain an exercise routine without getting adequate nutrition, it will have an adverse effect. So, here are some useful tips that can help you to be at the top of your health game: Keep a tab on your calories This is one of the smartest tips to stay healthy. Several diet plans focus on the number of calories that need to be eaten each day.
7 facts everyone must know about gout

7 facts everyone must know about gout

Affecting an incredible eight million-plus people in the United States, Gout is a serious form of arthritis that causes insurmountable pain in the joints. The condition, which is one of the oldest prevailing medical illness in society, develops due to the accumulation of uric acid in the joints, mostly troubling overweight adults and men. Delving further, here are seven must-know facts about this condition. In women, it is more common after menopause Gout basically occurs due to the accumulation of uric acid, which then forms needle-shaped structures in the joints and leads to pain, inflammation, and redness. Estrogen, a hormone found in women, naturally leads to uric acid being released through urine. However, after menopause, their estrogen levels start to drop, which makes the uric acid content in their blood rise. Gout can take birth even with normal levels of uric acid While most patients suffering from gout have a high concentration of uric acid in their bloodstream, some gout attacks can even occur with normal uric acid levels — a rare condition termed as asymptomatic hyperuricemia. Alcohol increases its risk Along with meat, fish, and poultry, alcohol consumption drastically increases the chances of developing gout. This is because alcohol has a high content of purine, a chemical compound that breaks down into urea in the body.
Top 4 reasons for unnatural hair loss patterns

Top 4 reasons for unnatural hair loss patterns

Hair loss is a natural process that automatically gets rid of old tissue and hair to promote new growth. So don’t be alarmed when you do find a few strands of hair tangled in your comb. However, a clearly visible scalp and a receding hairline are indicative of developing the problem of permanent hair loss. There are several internal and external factors that can accelerate hair fall, leading to pattern baldness in both men and women. Here are the top four reasons that trigger unnatural hair fall. Stress Stress ranks among the top risk factors associated with many medical conditions. In fact, one way or the other, taking physical or psychological stress harms the body more than you can imagine. For hair loss, especially, excessive shedding starts right after the body undergoes physical or psychological distress. A few examples include experiencing high fever, blood loss due to accident or injury, or even post-surgery recovery can result in stress that causes hair loss. Stress, coupled with anxiety, results in accelerated hair loss. To cope with this problem and reduce its effects, stress management is of crucial importance. Hormonal changes Men and women both experience hormonal changes throughout their lifetime. However, an imbalance associated with various conditions can trigger hair loss.
Learn about these 3 types of hearing loss

Learn about these 3 types of hearing loss

Hearing loss, deafness, or impairment is the partial or total inability to hear sounds. People with low to moderate hearing impairment face challenges in understanding what the other person is saying in a noisy environment. Whereas, people with severe deafness cannot hear anything, and rely completely on lip-reading and sign language skills. There are three main types of hearing loss: sensorineural, conductive, and a combination of both. Let’s understand these types in detail and learn about the causes, symptoms, and treatments of each type. Sensorineural hearing loss It’s the most common type of hearing loss. Sensorineural is permanent hearing loss often caused by damage to the tiny hair cells that line the inner ear or the auditory nerve. The damage stops or weakens the transfers of nerve signals to the brain. These signals are essentially the intensity and clarity of sounds. Causes: Aging and exposure to loud noises for a long period of time are the most common cause of the damage. Certain medications and illnesses can also increase risks. It can even be genetic, and pass on to the child in the mother’s womb. Treatment: There is no medical or surgical treatment available to repair the tiny hair cells once they’re damaged.
Simple lifestyle changes that reduce the risk of heart diseases

Simple lifestyle changes that reduce the risk of heart diseases

The heart is the most crucial organ in the body and as the system will cease to function if the heart stops or loses momentum pumping fresh oxygenated blood. This is why it is vital to not neglect your heart health at all and responsibly maintain a healthy, stress-free, and more importantly, a happy lifestyle. Here are a few simple lifestyle changes that will help support a healthy heart function. Switch to a healthy diet Avoid eating foods that are rich in trans and saturated fats. Most foods you find on the shelves of the supermarket contain large quantities of one or the other. Instead, switch to low-fat high fiber alternatives to help manage cholesterol. Maintaining a healthy cholesterol level in the body automatically reduces the risk of heart diseases. The simple reason for this is that fats that normally block major arteries and blood vessels are eliminated from these foods choices. It is also advisable to limit the salt (sodium) intake to control blood pressure and sugar to reduce the risk of diabetes simultaneously. Change certain lifestyle habits Reduce the number of alcoholic or carbonated drinks you have regularly. For men, it is advisable to have not more than two drinks and day and women must have only one.

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