Why Real Estate Attorneys Are the Important Members of the Real Estate Team?

In order to complete, the real-estate deals you need to do a lot of paper work. Paper work is quite essential for all real estate jobs. Do you know how this paper work is being completed? Well, the real-estate agent who shows the property to the buyer is taking the first initiative. You will be surprised to know that the real estate agents are doing about 90% of the real-estate deal. You will hardly find any estate deal, which does not contain the real-estate agent. However, there are many other players as well who participate in the real estate. Realtors are one of the team members who can replace the estate-agents. However, the estate agents are still the favorites. Similarly, the real-estate attorneys also play an important role. One cannot really imagine how tense these estate deals are.

Most of the people do the real estate deals once in their lifetime. They hardly go for any another real-estate deals after that. Hence, most of them do not have the right knowledge about the real estate. That is why they need the estate-agents and the attorneys. It is true that the busiest member of the team is the real estate agent. However, you cannot really discard the real estate attorney. In fact, you are looking at the deadly combination of the estate agent and the estate attorneys.

They both are very active throughout the process and you cannot hope for the deal without them. Some of the estate agents and the attorneys are so experienced that they can solve the deal and complete it within one day and this is really the case. The attorney is preparing all the paper works. However, the credit of controlling the paper work should go to the estate agents who are responsible for finalizing all the requirements of the buyers and the sellers. They note down all the requirements while they have the meeting with the buyers and the sellers. They provide the appropriate details to the attorneys who are experts at preparing the agreements and they dare to finish these agreements within few days.

In some of the countries, you can still see the typewriters being used in the court campus. Those typewriters are quite great and type the whole agreements within few minutes as the real estate agents and the attorneys ask them to do. These are some of the rare sites seeing such a great typewriters working on the old typing machines.

If you feel of viewing such machines then you should go to the court. They are just awesome and you can hope for some of the best scenes. However, the attorneys guide them and it is the attorney who go through the detail of the papers and find out that they are according to the law or not. They try to make sure that no point goes against the seller or the buyer in the future. Most of the attorneys take the responsibility of such condition. They in fact play a major role in finalizing the real estate deals.

Avoiding the Common Pitfalls of Business Startups

It’s quite an accomplishment to finally be ready to make a mark in the industry, and see that all the hard work will soon pay off. It is a big leap you are taking, as far as your entrepreneurial goals are concerned.

You have everything in place – a great product or service, a dedicated workforce, a competent marketing team. You make yourself involved in every process, from serving or speaking to a customer, to doing accounting work to ensure all of it will turn out as you and your partners have hoped.

While this happy situation definitely calls for a celebration, there are certain aspects of running the startup that you need to know in order to avoid entrepreneurial mistakes many business owners make.

1. Lack of funding or contingency plan.

The sufficiency of your capital often gauges how your business will be like in the next 12 months and the years after. In this regard, you need to have a sound business plan that you need to update in case your business will need additional financial help or funding. With a good business plan, you need not sacrifice or compromise your own earning or savings to keep the business going.

2. Excessive optimism and high expectations.

Before deciding to open up shop, you and your partners have already identified and analyzed your market, put financial planning in place, and implemented strategies to meet client demands. The mistake, however, lies in not making any room for critical market changes that circumstances may bring about. Is your market size forecasting accurate?

3. Making “small” plans.

Avoiding expectations that are too high should not mean refusing to make contingency plans. It is not healthy to step away from challenges, because the business in itself is a risk. Planning on how to stay competent or beat the competition is one of the most recommended steps a new business is expected to take.

4. Ignoring the possibility of equity disputes.

Sure, your best friends “got your back”, but when it comes to serious business, equity agreements among founders must be iron clad. There should be terms relating to business equity distribution, just as agreements on profit sharing are put on paper.

5. Not getting a lawyer.

When starting a corporation, a limited company or partnership, getting a lawyer to is essential. Your experienced commercial attorney will help you comply with all the legal requirements and be sure your business is under the protection of the law. Learn about your attorney’s experience, specialization, bar associations and clients.

Digital Marketing Tips To Make A Small Business Startup A Big Venture

Digital marketing is important for every business and it is a most effective method to promote the brand. If you are a startup then it is very important for you to promote your business so, that people get to know about the products and services you are offering them. Digital marketing helps to gain the trust of the customer because people usually believe the things they see on the internet. The best part of digital marketing is that you do not need to be involved in door-to-door marketing, as you can sell while sitting under a roof. There are many great ways that will help you to increase your brand reach, some are as follows.

  • Build A Website – The most important factor that should be kept in mind before starting a promotion is to build a website. Your website must be responsive and mobile friendly that makes it easier for a user to access it. Nowadays, everyone is having a website because it helps to display your work among people.
  • Think Local Marketing – If you are targeting local customers then it is very important to list your business in Google listing. This helps to increase the reach of your business and helps a person to search a local vendor easily.
  • Starts Email Marketing – It is the most effective way to connect with your customers. You can send bulk email to the people-that contain some attractions, this helps to increase the ratio of visitors to your website. You can also offer some Discount, Gifts, and Vouchers etc. to generate good leads.
  • Use Social Media Channels – Social media is a wide platform that can help you to increase your sale. It has billions of active users that search for their requirements online, so if you are active on social media then you can easily catch the new leads. It also helps you to highlight your products among others.

Which Are the Best Credit Cards?

Comparing interest rates, annual fees, introductory offers and special benefits is easy. Compare cards over the long term. A credit card that offers you 0% interest for three months but then shoots up to 30% would not be as helpful as a credit card that has a steady 9% interest rate all the time. Compare different cards and terms before committing to one company as not all offers are the same. While you may get a ton of promotional offers in the mail, it is best that you see all of your options before making a decision that is in the best interest of your financial situation.

Interest is charged as a percentage of your outstanding balance (purchases and charges reduced by payments or credits posted). Interest rates are often higher than with standard cards; annual percentage rates (APRs) on affinity cards range from 15-22 percent. Many charge annual fees, while most standard cards do not. Interestingly, but 50% of those surveyed said that they planned to give gift cards. The truth is that practical gifts have never been so popular!

Interest charged could exceed the low payments your provider suggests, and you could see the debt snowball as your credit card provider profits. Balance transfer credit cards allow you to consolidate debt that is spread across several credit cards onto one card. The best credit cards in this category feature 0% APR for an intro period from 6 to 12 months. Balance transfer with zero APR for first nine months. After that period, it can be waived with at least nine purchases in a year.

Take time and search through these credit card offers and apply for the one that best meets your needs. Student’s credit cards are aimed at those with fair, bad or no history. These cards will help students improve damaged scores or even build credit history from scratch.

Bankruptcy destroys credit ratings. This can make getting credit cards difficult. Travel credit cards or a prepaid travel credit cards are products that most credit card companies offer. The travel credit card allows you to earn points when you use your card for purchases, which makes for the best travel credit card. If you carry a balance from month-to-month, you’ll pay less on interest charges over time.

Fees, such as balance transfer fees, cash advance fees, over the limit fees, and late fees, can really put a big dent in your budget. Choosing a credit card with low fees from the get go is one of the best moves you can make.

Basically, you divide the interest rate into 72 to see how long it will take for the debt to grow. If you are being charged at 12% your debt will double every 6 years (72/12=6). Cash-back and other value additions score over insurance when it comes to valuing adds. Cash back credit cards give you money back for each transaction and are offered by some credit card companies. How much cash back you will get per transaction is determined according to your credit rating.

Debt is NOT your friend before a failed application will also have a negative impact because of it will make to obtain credit. Debt is mushrooming at a surprising velocity, and a growing portion of people found their balances growing larger and larger. You’ve exceeded credit limit as you don’t want to find yourself. You are nearing it for it is Traveling to other countries and the credit card company is regarding the limit. You’ve got your own credit card per you have any bills on you have to prove you’re and It is showing your previous records with you might be qualified for lower rates.

Add in an economic downturn and people who have traditionally been able to avoid stress in the past are suddenly bogged down by it. From depression to sleepless nights and anxiety attacks, there are plenty of stress effects that can show up in a physical form in the body.

Check the payment option and guidelines on your bill. The best method of avoiding late fees is to set up a direct debit for the minimum payment each month. Check each section carefully for any errors. Note any errors you may discover on a separate piece of paper as you read over your report.

The Way Insurance is Changing With the Times

Almost every state in US calls for the need of an authentic insurance coverage, while you intend to drive the vehicle, whether it is a car, or any SUV. The general aspects of Insurance Coverage include:

-Liability Cover against Bodily Injury. If a car driver knowingly or unknowingly hits any pedestrian, or any other person in any other vehicle, the injured person can sue the driver to recover medical and rehabilitation expenses and any damages thereof. The insurance coverage offers $15,000 to $30,000.One person injured paids upv to $15,000. Per accident is up to $30,000.

-Liability against Property damage. If damage to property is done in an accident, then, the driver is liable to pay the property owner certain amount as written in the Insurance coverage. Many states provide $5,000 worth of Insurance Coverage, whereas, some of the standard policies also dispense higher insurance coverage ,but is limited to $25,000.

-Coverage for Medical Reimbursement. Irrespective of who’s caused the accident, or who was at fault, the medical benefits covered under the auto insurance policy offers facility to both the car driver, as well as injured to get their injuries treated. Generally, in many states, a car owner buys $5,000 of medical auto insurance coverage. However, in many of typical cases, a car owner can also purchase medical auto insurance coverage worth $ 10,000. No deductibles are charged on this insurance coverage.

Still there are many other types of auto insurance coverage, which though not required, are otherwise necessary. These include:

-Coverage against Collision Damage. This coverage entitles the car owner to repair any kind of damage caused in the accident. It is a no-fault coverage. Usually, the auto insurance provider will provide you with a $500 deductible, if not, you have specified the amount. Remember, Higher your deductibles, lower would be the premium amount.

-Coverage against Thefts and Other Hazards. This car insurance coverage would provide you safeguard against any kind of car theft, or hazards such as fire, flood, vandalism, or animal collision. The best thing of the coverage is that you decide your own deductible.

-Coverage against Uninsured/Under-insured Motorist. If a pedestrian is hit by a car driver who is not insured or the insurance amount is not sufficient enough to cover the damage costs, in such an event, the coverage proves very useful. Under the coverage, the injured person would also be entitled to reimburse medical bills, lost wages, besides, trauma.

Optional Car Insurance Coverage also includes:

-Extrinsic Medical Coverage — This coverage provides $1 million insurance, and is utilized if the medical and rehabilitation expenses surpasses insurance policy.

-Loss in Income – This coverage entitles the insurer an amount equivalent to take-home pay, in case you are rendered unfit as the result of accident. This coverage is over and above disability insurance coverage will take over.

-Funeral Coverage — Maximum limit of $2,500, in case car owner or any of family member expires as the result of car accident. The cost the coverage is about 50 cents
per $1500 worth of insurance.

-Coverage for Rental Car Replacement — A minimum amount is allocated on daily basis, should your automobile is under repair as the result of accident.

-Coverage for towing and other labor costs — The coverage costs at less than $5 a year.This for if you break down as a result of a flat tire(s), out of gas, or your car needs a jump start, or most anything that may occur.

The way insurance has changed

Auto insurance coverage is a significant aspect of your vehicle. It offers complete security to you, your family and your beloved vehicle. The insurance policies across country keep changing with times. Prior to 1980s, the common question which car buyers often asked to themselves was — Is the car affordable for me? But things changed marvelously after 1980s, and the question has transformed into — Can I afford the car, and on it, will I be able to afford auto insurance?

The auto insurance companies decide which car insurance policy is to be sent, and to whom. Remember! Every car insurance policy differs from the other and this difference is the result of thought process of auto insurance company.

As per the statistics collected and analyzed by auto insurance experts, on an average a household in US spends $7,500 over a 10-year period in auto insurance alone, and out of which, he or she claims approximately $500.00.One begins to wonder.

Different modifications and changes are making the headway in a car insurance market, and which can further affect you in any of the following three ways:

-The nature of sale of auto insurance is changing with times. Earlier, an insurance agent, working under an individual or a stand alone company or a conglomeration used to dispense the insurance policy. It was only during the early 1990s, that insurance companies started to dispense the policies directly to auto insurance holder. An insurance agent, on the other hand would charge 15 percent commission upright, and another 12 to 15 percent commission on renewal. The insurance commission was utilized by many other insurers in buying extra insurance coverage.

-Many states in US often change and regulate the sale and use of auto insurance deals. Every state appoints insurance regulators to keep a close watch on auto insurance coverage, based on two factors namely, rate setting and claims disbursement., the auto insurance companies have built up the reputation of not even dispense legitimate insurance claims, and this has resulted in wide amount of distress among the consumers. It is also felt and observed by insurance commissioners of different states that most common complaints concerning the auto insurance is claim handling.

No Credit Check Credit Cards – An Economical Aid Or a Drawback?

It is a well known fact that the world is undergoing a rough financial situation nowadays. The international financial crisis has a global impact, leaving hundreds of people out of work every day. The people who were once in a good financial situation are now undergoing economical hardships and find it difficult to obtain a credit card.

In these cases, a no credit check credit card seems like the best way of getting back on your feet. The companies that offer them will provide you one of these also known as pay as you go credit cards and highlight their pros. They will tell you that you do not need a credit check or bank account to get one of them.

So you will probably wonder what is it that you do need to get a no credit check credit card. The answer is money, which is ironic since that is what you do not have in the first place. Getting a no credit check credit card requires an initial payment to buy the card, but as time goes by you will find that you will need to pay for a lot more.

There are extra fees for every transaction you make with your no credit check credit card. The point is you will be paying for using your own card, for the privilege of spending your own money. Sounds funny, doesn’t it? You will find yourself struggling to find extra money to pay for these fees every time you decide to do something as simple as going shopping.

Basically, these cards will provide you no benefits over a debit card; it is the same, but with a little difference: you pay more with no credit check credit cards. Pay as you go credit cards offer you an illusion, the idea of having a credit card makes you feel like you do not have as many economical issues as you do.

Do not let yourself be cheated by these companies. If your main problem is debts, no credit check credit cards are not the option for you. You will end up acquiring more debts just to try to pay for the credit card fees. There is no point in this at all. These cards offer you no advantages or benefits whatsoever.

Also, there is the common knowledge that using no credit check credit cards can help you rebuild your credit score. However, this is not true. As a matter of fact if you chose one of this cards instead of the regular ones that can worsen your credit score.

So be smart and get one only if extremely necessary, that is, if for some reason you cannot obtain a debit card. Remember that if you are looking to stay away from debt and spending extra amounts of money, no credit check credit cards are not the right choice for you.

Credit Card Usage – To Use Or Not to Use a Credit Card?

Credit cards are a convenient form of credit and often provide an edge over other forms of payment. They save you from carrying around large amounts of cash and allow you to easily purchase products and services online, over the phone and even on your travels. On the flip side, there are times when cards usage should be avoided to ensure unnecessary interest payments do not get out of control. In this article we will cover when is the right time to use a credit card and also situations where credit card usage should be avoided.

So when is the right time to use plastic?

Paying for goods and services online is certainly much easier with the use of a card but better still; some credit cards will even help protect you. When purchasing online, you can obtain product protection and extended warranties with certain credit cards. This is great peace of mind, especially in a world where many people are still developing trust in regards to making purchases online.

Travel is another great example for the right time to use a credit card. Imagine you are tired from a long haul journey, you’re carting a heavy suitcase around, your kids are hungry and the map you were given is about 10 years out of date – you’re lost in a foreign city. The last thing you want to be worrying about is dealing with a foreign currency to book your hotel room. Both MasterCard and Visa are global brands and recognised in most countries and make life a lot easier when travelling abroad.

Emergencies – let’s face it, we all have them and they always seem to crop up at the most unfortunate of times. Your hot water system blows up, your car tyres need urgently replacing, the garden fence blows down and your insurance policy does not cover it. These things do happen and it’s comforting to know that with a credit card, you won’t be left stranded until your next pay day. When the emergency is over and you’ve found your feet again, try to pay off your credit card as soon as possible to avoid excessive interest payments – or at least switch to a low interest rate card.

When not to use a credit card

Credit cards are a great convenience in our everyday lives but it’s important to use them wisely so they do not become a problem or source of worry. Some situations, as mentioned above, are unavoidable but where possible we have listed situations where you should ideally opt for an alternative payment option.

The biggest trap to avoid is withdrawing cash at ATMs. Most cash machines will let you draw out cash using your card but this can lead to disaster. Cash withdrawals will attract a fee of a small percentage of the amount you withdraw and advances are also usually charged at a much higher rate of interest than purchases. If this is your absolute last resort, tread with care. The best possible scenario is always to withdraw cash from a debit or savings account where the money is already yours.

Impulse spending – most of us are guilty of this and often live to regret it or hasty decision. Often what seemed like a good idea at the time can end up costing you in interest payments so think twice before committing to a purchase. Sleep on it over night or even leave your plastic at home if you are going shopping without a specific purchase in mind.

Paying your bills with a credit card is often easier than physically going to the post office, but it’s only a good idea if you are 100% sure you can pay your bills off in full the following month. If you are using your card to pay bills because you can’t afford to pay by other means, now is a good time to seriously look at your personal financial situation and seek help.

Finally, don’t pay off other debt using your credit cards. Credit cards are not the cheapest form of borrowing and unless you are looking at consolidating debt by transferring to another credit card provider on a 0% balance offer or low interest card, you will find yourself in trouble. If you need to borrow a substantial sum of money, a loan may be a cheaper option.

Credit card usage really comes down to common sense and your own individual circumstances. Try to keep borrowing to a minimum, keep a level head and remember that when used wisely, credit cards are your friend.

Small Business Startup Loans – How Does One Acquire Finance For His Or Her Business?

It is inevitable that every business owner will need finance to properly run his business. The question that is always at the mind of every business owner is how will finances be pumped into the business to make it profitable? This is true for every business owner, be it on a large or small scale or on an international or local scale. There will be so many responses to the above question. The responses will depend on the person providing answers to the question as well as it may also depend on the particular period in business at which such as question is being tendered. Despite the varying responses that may be put, all these ideas about getting a business being financed will turn to a single direction. The following lines are meant for those coming into businesses, who want to identify the various options of financing their business and who will want to determine which of these options is the most appropriate for their businesses.

Individual Finances

There are so many business owners who will individually and single-handedly provide the money that is needed by their businesses. The sources of such type of capital may spring from their personal savings and other forms of capital which solely belong to them. However, these sources of finances are really workable if the business owner has substantially built up a good amount of money. If the capital is in the form of assets, it will be easy to dispose these to get some cash for the running of the business. If you intend to make use of capital through the credit card as a means of financing your business, you must take some reasonable precautions. You must be aware that this source of capital is usually best for interim financial provisions.

Angel Financing

This is yet another good way to oil the machinery of your business. When we make reference to this type of financing, we are referring to that type of financing that is often provided to new businesses. This is commonly found in the United States and most upcoming markets. In this type of financing, a group of affiliates belonging to the informal risk sector combine their resources to finance a business. What is usually done is that a business suggestion is proposed to a business owner and if the business owner finds the suggestion interesting, he will be given the option to get the business financed by the group of financiers. This group will also have the option to ether finance the business and take part in running its daily affairs or to stay aloof from the day to day running of the business.

Venture Capital

This is another way of making finances available to a business. In such a case, the business owner will approach a proficient financier and this must be a financier will is willing and capable to venture his or her money into businesses that are not only at the inception, but equally to businesses that have future prospects of expansion. Another form of financing related to this is the corporate venture capital. This is an idea often used by corporations to endow capital in some relatively young but vibrant businesses that may have some relation with these big corporations.

Credit from Banks

This is a source of finance that is commonly sought for. In most cases, either secured or unsecured loans may be provided to business owners. However, lending institutions will warrant that you provide some form of credit worthiness which will have to be carefully scrutinized ahead of making a decision if the loan will be given or not. It is sometimes easier for an unsecured loan to be given to experienced or well established businesses than new ones. But a secured loan will be provided for all types of businesses.

If You Want To Get The Financing You Are Seeking For:

Make sure you find out what the financing is all about, opt for a proficient group, set an objective, make sure your business is properly registered, investigate what type of financing will be suitable for your business and make sure that you have established the necessary connections.

Unused Credit Cards – To Close Or Not to Close?

16.3 million consumers in the UK have an average of 2.3 credit cards they no longer use – that’s a total of 38 million cards, with an enormous collective credit limit of £200 billion, according to research from independent price comparison site uSwitch. However, in today’s economic climate, should we be leaving these unused credit accounts open ‘just in case’ or closing them as soon as we switch to a new credit card?

With unemployment on the rise and credit increasingly hard to come by, it might seem like a good idea to keep an old credit card account open as a financial safety net, in case you lose your job, have your application for a new card declined or just ‘for a rainy day’. However, this might not be the bright idea it seems – keeping credit cards you no longer use could have a negative impact on your credit report, and even put you at risk of fraud.

Unused credit accounts can damage your credit rating, because providers look at the total amount you could potentially borrow across all your credit accounts. Therefore credit you aren’t even using, as well as what you actually owe and your repayment history, will be taken into consideration when you’re applying for credit. It’s also worth noting that providers sometimes close down these unused accounts or may even charge a fee to customers who don’t use their cards.

Keeping credit cards you don’t use any more could also put you at risk of fraud. Periods of recession tend to see an uplift in fraud cases, and according to Credit Action, last year alone a shocking £54.1 million was spent by fraudsters on lost and stolen credit cards and another £10.2 million on cards intercepted in the post. This type of fraud could go undetected on credit card accounts that you aren’t checking regularly – particularly if you move house and forget to notify the card provider of your new address.

Here are five tops tips to help you avoid the credit card closure trap.

  1. Check your credit report – it will show you all your credit accounts and could alert you to an old credit card you’ve forgotten about. It’ll also help you to spot unfamiliar credit applications and unexplained balances, which could indicate that you’ve been a victim of fraud.
  2. Close down accounts you don’t use, particularly if you’re applying for credit – the available balance on these accounts will be taken into consideration when you are applying for a new card. You don’t necessarily have to close all your old credit cards – but if you’ve got more than one or two, a spring clean could be a good thing.
  3. Sometimes, the best deals on the market are only available to new cardholders, and by canceling your existing credit cards, after a short period you should be able to qualify as a ‘new cardholder’ again.
  4. Cutting up a credit card isn’t the same as us cancelling it. Cutting up a card might stop you from using it, but you also need to contact the card company and tell them you want to cancel. It’s also a good idea to request a written confirmation of your cancellation too.
  5. Sometimes, even though you’ve cancelled your card the account may not be closed. Credit card companies sometimes leave accounts dormant for a while in case any payments you’ve made haven’t come through yet, so it’s worth making a call a few months later to double check it’s really closed.

Want to Reduce Your Auto Insurance Costs? Let Me Count the Ways!

We all complain about the mounting cost of automobile insurance. So what are our options to lower our auto insurance expense? Take a look at the following list of opportunities to reduce your auto insurance.

1. Plan For And Include Auto Insurance Costs Into The Cost Of your Auto Purchase
To begin with, buying a car is a significant initial expense and auto insurance is a sizable subsequent expense in your ongoing cost of ownership. You should always look into what your insurance costs are going to be on any vehicle you consider buying.

2. Research Auto Insurance Rates On Different Makes And Models Before Buying Your Car.
Insurers rate vehicles on a risk scale based on statistics that cover a range of factors such as exposure to risk of injury or theft, vandalism, flashy or sporty vehicles, cost, cost to fix, past claims history, overall safety record, etc. The higher the risk, the higher the insurance premium. Many insurers offer discounts for low-risk vehicles such as sedans and station wagons. Check out this information with your state or provincial insurance agencies before you to decide what car to buy.

3. Research And Get Quotes From Several Insurance Agencies
Once you have decided on a make and model of car, the best way to make sure you are getting the most affordable price for your auto insurance policy is to do your research and compare, quotes. You should obtain a number of quotes from different insurers as coverage costs from one insurer to the next can vary by hundreds of dollars, and possibly thousands of dollars. Get at least three price quotes. Call insurers directly or get online quotes. Provide the same coverage, deductibles and limitations so you can compare apples with apples. Nowadays, comparison sites do all the legwork for you and provide competing rates side-by-side. Visit some of the sites advertised on my website listed below.

4. Save Money By Raising Your Deductibles
You can reduce your insurance premium considerably by increasing the deductible on the comprehensive and collision portion of your insurance policy. However, keep in mind that in the event you have an accident and file a claim, you will have to pay the deductible out of your own pocket. So make sure you can afford to do that. You can save 10 percent or more by increasing your deductible from say $500 to $1,000. If your claim is $2500 and your deductible is $1,000, you will pay $1,000 and your insurance company will pay $1500.

5. Save Money By Purchasing Home And Auto Insurance From the Same Insurer
Purchasing your home and automobile insurance policies with the same insurer may qualify you for a further discount, which may shave up to another 10% on both policies. Most insurers offer this saving as an incentive to get your home insurance business too.

.6 Save Money By Including All Vehicles Under The Same Policy
Similarly, many insurers offer a multi-auto discounts for those who insure more than one car on the same policy. You can save up to 10% by placing more than one vehicle under the same policy.

7. Save Money By Maintaining A Good Driving Record
Your driving record is a significant factor in determining your insurance rate. If you have a clean driving record (without accidents, traffic tickets, drunk driving convictions, etc.,) you may be eligible for further discounts on your auto insurance policy. A bad driving record can become very costly in terms of insurance premiums, as you may take three years or more to wipe out past misdemeanors off your record.

8. Save Money By Maintaining A Good Credit Record
Insurers are increasingly using credit information to price auto insurance policies. Developing and maintaining a solid credit history can reduce your insurance costs. To protect your credit status, pay your debts on time, don’t get more credit than you need and keep your debt balances as low as possible. Review your credit record often and ensure your record remains accurate by getting errors corrected promptly.

9. Save By Asking For Low Mileage Discounts
If you are retired, semi-retired, car-pool or use public transportation to go to work, and generally keep your annual car mileage as low as possible you may be eligible for a low-mileage discount. The low mileage limit is generally around 10k-12k miles per year depending on the state or province you live in.

10. Research Other Discounts
Other discounts may be available if you meet certain conditions. Examples may include age group, low mileage, occupation, if you install an alarm or other safety devices in your car, taken a defensive driving or drivers education course, are a member of an auto club, or loyal to the same auto insurance company for a number of years. These discounts vary by insurer.