Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

CSI: Crime Scene Investigation From the Crime Lab to the Slot Floor

If you were a fan of CBS’s top rated TV show CSI, you were among a global audience of millions who regularly watched the crime lab team use state of the art forensic technology to solve grisly murders. In 2012 CSI was given the International Audience Award as the most watched show in the world.

The timing was perfect for IGT (International Game Technology) to unveil its latest creation at the Global Gaming Expo in Las Vegas: the CSI Slot Machine. The popular three in one penny slot enjoyed a run at 98 casinos throughout the country. Although the CSI slot is not as popular as it once was, you can still find them in many gaming jurisdictions.

How to Play

The format is a 5 reel 30 line penny video slot with bonus features. One to five credits can be wagered to play all 30 lines. The minimum bet is $.40 (one cent for each line plus ten cents to cover the bonus features). The maximum bet is $2.00 per spin when five credits are wagered. The top jackpot is $2,250 with max credits and $450 if you’re frugal and bet the minimum.

To get started (after you insert your money of course) simply swipe the screen as you would your I-Pad or smart phone, and select your game of choice, CSI Vegas, CSI NY, or CSI Miami. Your favorite show characters will appear on the reel symbols and touch screen that has the latest LCD technology and 3D graphics. Audio, video clips and music replicate the version selected. The volume is adjustable as you hear the great rock group, The Who, playing the shows’ theme(s). Your chair will even vibrate when certain symbols appear with a payout. You can even switch games during play.

Bonus Features

Each version has three bonus features: Trace Evidence, Crime Scene, and Crime Lab. When a Trace Evidence symbol is triggered on the fifth reel, the screen goes dark and extra wild symbols suddenly appear which initiate multipliers with lager payouts. When three Crime Scene photo symbols appear, you start selecting clues on a touch screen at a gruesome crime scene. Each clue is hiding bonus credits behind pieces of evidence. Discover three or more pieces and you’re at the Crime Lab, where you watch forensic evidence being unlocked as you unlock free spins. Each strand of DNA evidence found will increase the multiplier on the free spins.

Downloading Genuine Games From Genuine Sites

Gaming has been for a long time a very addictive and interesting way in which you can have fun and relax. It is an important part of all cultures and most countries enjoy their own set of games. Gaming enhances the physical and mental capabilities since they challenge us in many ways. You need to use your brain and imagination when you are making moves.

Games also help us to a great extent when it comes to social bonding. Games have evolved a lot as time passes by. Gaming started with the very basic dice games and today, there are the very popular video games that almost everyone, including children, is now accustomed to. There are all sorts of games including arcade games, song games, and action games among other categories. You can get such games in app stores or in CDs. They can also be downloaded effectively from authorized sites.

Choosing a good site

There are many factors that need to be considered when you are looking for a site where you can download the most popular games or even upgrade the ones that you already have. There are many sites that you can choose from. Some of the things you can do to ensure that you end up using the best include:

Reviews

You look at online reviews from people who have already used the site successfully. Fellow game enthusiasts will definitely know about the best sites that have the best games selection. Look for forums and dependable reviews. Usually, the best sites have great platforms that are easy to use and they are genuine.

Variety

A good site should have a wide selection of games. Regardless of the mode, you love the most, there should be other options available. There should be multiplayer and single-player modes. There should also be different kinds of game plays such as arcade and so on. This is the only way you will be able to access something different when you really want to. When you have the option of participating in multiplayer games, you can break the monotony and engage with the online community.

Video streaming

A site that allows you to stream your games in the form of videos, episodes, tutorials, and demos gives you an advantage. The different categories that you can use include Sci-fi, action, horror, drama, comedy, and anime.

Social networking

When you are able to connect with other players socially, you get the chance to meet so many new people from all over the world. You can then form your own clans and start chatting as you continue with the game. This is always a great addition.

Availability

A good site should be in a position to offer the game modes that can suit different operating systems such as Mac, Linux, and Windows. This allows the players the chance to play their game regardless of the time or place.

Creation and sharing

A good site should allow you to create your games. It should also allow you to do some game modeling as well as animation, photo editing, sound production, game development and other fun activities. It should also allow you to offer gives and trade some items with others as well.