Online car Insurance

Online car insurance came as a time saver for many drivers wishing to insure their vehicles. It provides the easiest way of getting quotes from as many insurance companies as you want within a few hours. Other then that, it is very cost saving because you don’t have to move around to the insurer’s office for you to get your policy and make payments.

Online auto insurance was popularized by companies such as Esurance and Progressive who were among the first to use this method of car insurance and other companies have since picked this trend.

How to get cheap online motor insurance

You have a new car, and you want to insure it in the cheapest way possible? Well, the task of getting a cheap online car insurance is not any complicated at all. The main thing you have to do is to get as many quotes as possible from different insurance companies before picking one that suites your financial needs. You should also look out for companies that offer discounts o their consumers and see if you qualify for any of them.

Do not however insure your car in a company you have doubts about however cheap it may be. Read review online to see what other consumers are saying about a particular company so that you have a clue of what to expect from them.

What do you need to get Car Insurance Quotes Online?

You can get quotes directly from the website of the auto insurance company or go to websites that give you quotes from many companies. In most cases you will need to know your zip code and a few other details about your car. You will need your driver’s license number and sometimes your social security number.

You will need to give details about the ownership of your car; whether you have completed paying for it or you are still paying for it. If you have ownership of the car things are easier for you because you don’t have to have full coverage- liability cover will do for you.

The best Online Auto Insurance Companies

Choosing the best online car insurance company is entirely dependent on you and your needs. If you are new to online motor insurance, it is safer to go to the more popular and highly rated companies. You can try insuring online with a company like Esurance which has been in the market for quite sometime now. Esurance also offers you the most convenient way to get your policy because you simply get the quote, pay and then print the policy on your printer. You can also try progressive. See Top 10 Auto Insurance Companies in USA.

What Is No-Fault Auto Insurance?

No- Fault Auto Insurance is a type of car insurance policy that basically covers for medical bills of each of driver when an accident occurs. Each driver and their passengers  gets compensation from their insurance companies instead of having to go through numerous legal processes seeking compensation from the driver at fault.

The No-Fault policy limits the victim driver of the accident from taking legal action against the driver at fault unless the medical bills are too high beyond a certain amount or in case of too much property damage. When an accident occurs, the driver at fault’s insurance company pays a little more than the victim’s company to compensate for property damage. As a result, the premiums of the driver at fault will rise when they renew their contract for the next period.

Places with No-Fault Auto Insurance

No- Fault motor insurance is mainly province or state based and each state/ province might have a slight difference from another. In a some places this type of Insurance is compulsory while in others there are limitations. N0-fault car insurance is popular in Australia, Canada and the United States.

How much is a  No-Fault Auto-Insurance

Costs of No-Fault car insurance will vary with the state or the province and premiums might be different for different companies. Unless you are a careful driver, your premiums will go up whenever you cause an accident and you have less chances of getting discounts from Insurers.

What are the disadvantages of no-Fault car insurance?

States with a No-Fault Auto insurance system are actually rated to have the highest premium rates. It is sometimes hard to lower insurance costs for consumers with this type or motor insurance and it can be quite discouraging. Reckless drivers can also take advantage of the No-Fault policy because the only punishment they get is raised premiums and a higher risk rating.

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10 Things That Lower Your Car Insurance Premiums

Considering the high cost of living nowadays everyone would like to minimize on their spending and still get a quality life. It’s no wonder you will check in more than one Car Insurance companies before you can choose the one with the lowest premiums. Other than just looking out for the cheapest Auto Insurance company to insure you new Car in, there are some other factors that could maker your life a lot more easier and you could save a huge chunk of money every year if you make a few adjustments to your plan. See the tips below:

Be a careful driver

If you have a clean record of being safe on the road, you will easily earn the trust of many Insurers and your premiums will be lower compared to those of a person who has had a record of a few car accidents.

Reduce Your time on the road

It is logical that the more you use your car, the more it wears out and the more it is exposed to accidents. If you only use your car for a few hours to go only to necessary places, you will pay less for your car insurance compared to those who are ever on the road.

Your Career

Some careers are considered more risky than others therefore premiums charged will be different for people in different careers. A journalist for instance will be charged more than a secretary or an accountant because they move around to different places and sometimes attend risky meetings.

Avoid paying premiums in small Installments

You might have noticed that other than the basic premium rate that you pay, there are other administrative costs that might apply therefore you always pay a little more. If you consider these additional fees every month, they will be more compared to if you had paid your premiums annually or semi-annual. You are actually making losses and being fooled by the small size of premiums you pay on a monthly basis.

Make your vehicle safe

Ensure that your vehicle has all the necessary safety devices that might save a situation in the event of an accident. Safety belts, air bags or a fire extinguisher are some of the many things that will make an insurer trust you and reward you with a lower premium rate.

Have more than one cars under one policy

If you own more than one car, insure them under the same policy. Some costs involved in insuring the cars will be shared and you will also get a discount from insurers for it. The premiums in this case are far much lower and with so many other benefits from the Insuring company.

Consider driving a smaller car

The smaller the car engine, the less the costs and so are the premiums. Auto Insurance companies charge more premiums for big cars as compared to smaller ones. Unless it is necessary to drive a big car, just lower your pride and get a smaller one.

Get another policy under the same Company

When you identify your trusted and convenient motor insurance company, insure another of your property with them. You will get a discount for multiple policy.

Your age

You can’t control your age but it is one of the factors that can lower your or raise your premiums. Young and old drivers are charged more while middle age drivers are more likely to be trusted by Insurers. Insurance companies that deal with old people do not consider your age so are the best to try.

Your family status

Car insurers see married people as more responsible than unmarried ones. Bachelors are even charged more than unmarried women sometimes because they are considered more reckless.

How To Make Student Car Insurance Manageable

Student car insurance is a bit costly depending on different factors such as where you live, your age and your driving record. students who are just starting to drive have to pay more for their car insurance because they have no way of proving that they are safe drivers.

A student driver can either choose to be under their parents or to have a separate policy from that of their parents but you still have to pay some more for Auto insurance. In order to be able to fully cover your car without having to strain your wallet too much, you can use the advice below to lower your insurance expenses and save a big chunk of money:

• If you are driving your parents’ cars, pick one of them and insure it instead of getting a policy that covers all the cars. Insuring a single car for new driver will be far much cheaper.
• Work to get good grades in school so that you get discounts from motor insurance companies. Most students with a good academic record pay less premiums for their car insurance.
  
• If you have moved out of your parents’ house, don’t move to town centers because such places are considered more risky and that your car is more susceptible to theft and accidents. It is better to look for an apartment away from town but near your college.
• Invest in safety devices first before getting a music system or changing the look of your car. Insurers love cars that have things such as alarms and safety belts because they lower the extent of damage or loss in the event of an accident or in case of theft.’ Safe cars’ are given discounts and you pay less premiums.
• Don’t be afraid of shopping around and comparing quotes from different auto insurance companies because you just might get a cheaper policy than the one your parents have. unless you want to insure your car under your parents, move to another company that meets your needs and offers you the discounts you deserve.
• Avoid overworking your car and drive only when it is necessary. Most car insurance companies have discounts if you drive your car for short distances because your car wears out less.

Student entrepreneurship in Kenya.

Student Entrepreneurship- how it works

College is the place where you spend four or so years of your life piling up some papers that are supposed to earn you a living for the rest of your life. However, this usually turns out different for many graduates when you finally leave campus and get into the realm of reality out there. You suddenly remember that electricity is not only about the light but mostly about the bill you have to attend to monthly, you find yourself renting a house instead of booking a room from the student’s portal and the price of food somehow doubles when you are living outside campus. I suppose this is why creativity and reason are gradually becoming an essential part of a student’s life. Just how far in life are you willing to be by the time you graduate? Do you want to set the standard or do you want employers to set limits for you? If the latter is true for you, then this article will not make sense to you. If you are the go getter who wants to set your standard, then here is how to be your own boss:

What is student entrepreneurship?

Entrepreneurship is the process of starting a business or other organization. Student entrepreneurship in layman’s language is simply being involved in a legal ‘money-making’ activity while still pursuing your studies. It does not have to be related to your books.

How to start:

The beginning of everything is always an idea. Once you have a great idea, look for necessary platforms to develop it and to get insights on how viable it is. Universities often offer such opportunities through networking programs or student organized events that involve experts from the cooperate world. Participate in such programs and share your ideas with necessary professionals who might link you to potential collaborators and investors. You might also want to join student organizations that create opportunities for you to meet professionals in your line of study. Such chances are very hard to come across after graduation.

Write a business plan

This does not sound interesting to many especially if you are studying numbers, but it’s very necessary if you are to start a serious business. A business plan is bound to become the road-map for your venture; write a full description of your business outlining your  vision and mission clearly. Once you have a business plan, it becomes very easy to carry it out and very hard to give up on it. Somehow you are psyched up to get out of your comfort zone and follow your dream.

Source for funding

Getting finances can be a hard thing to do since most students don’t have assets to sell or to help them secure loans. However, you can take advantage of different youth programs in the country e.g the famous Uwezo fund or other community development funds. You may also form a group of student entrepreneurs and send proposals to organizations or government to support your project. Great projects more often than not always get sufficient funding from the cooperate world.

Businesses that don’t require money to begin

There are projects that make money for you without necessarily requiring money to start up with. Students with different talents especially in the entertainment industry or brilliant programmers could market themselves without having to spend a million dollars for a startup. Sometimes stupid ideas turn out to be more profitable. For instance, someone in USA started a museum to display bad art that couldn’t be displayed in other galleries; he is currently making more money than the person selling good art in most galleries of the world. Besides that, there are many brilliant ‘stupid’ ideas that are working out for people in Kenya. You just need to identify a niche in the community around you and fill the gap.

You have started the business. What next?

Once you have established your business, you need to make it known to the rest of the world. Take time to market and inform people what you are doing. Internet is the easiest and cheapest place to market your products since most people have at least one social media account. The other alternative would be taking advantage of opportunities in the student organization to make your products known. For example you could supply your products in stalls owned by student organizations or do some ‘flyering’ around your campus. Marketed products will always do better irrespective of how new they are in the market.

End game:

You don’t have to neglect your studies in order to pursue your entrepreneurship dreams. Choose something that will fit into your school curriculum and that you find fun in doing; you will never notice that you’ve been working until you see the money coming.

You might also want to add Google to your circle of friends. There are numerous opportunities online that you could take advantage of as a student and still afford to call yourself an entrepreneur. Examples include:

• Freelancing and online writing: find online sites where writing jobs and other online jobs are offered e.g. freelancer.com, iwriter.com and elance.com. You can choose to write articles or apply for jobs of your choice online and get paid.
• Blogging: Simply start a blog of your choice, write anything and use Google AdSense to make money through adverts placed on your blog by Google.
• Amazon Turk: Perform simple tasks at amazon.com such as participating in a survey and get paid instantly for every task you perform. Amazon Mechanical Turk is a crowd-sourcing Internet marketplace that enables individuals and businesses to coordinate the use of human intelligence to perform tasks that computers are currently unable to do. It is fun and interesting since you earn as you work.

There are many other ways of earning money on Google; you just have to Google them.

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