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The law here in the UK mandates that everyone who drives a car must be insured by at least the minimum amount of liability coverage. Liability coverage covers any damage that you may do to another driver, his passengers, or his vehicle in the event you are the cause of a motor vehicle accident. However, liability coverage does not cover any damage to your own vehicle. You may also elect to cover your car with comprehensive coverage. Comprehensive coverage is what covers damage to your own vehicle in the event of an accident or theft. As you look for car insurance for your Ford Galaxy, you may want to consider the effect that your deductible has on your premiums.

A car insurance premium is the amount you pay for insurance coverage. Premiums can be higher or lower depending on the level of coverage you select, your driving history, the car you own, whether or not you have any extras included in your plan, and the deductible you have included in your coverage.

A deductible is your “share” of what has to be paid in the event of an accident or other damage to your vehicle and in case of theft. If your Ford Galaxy has to be repaired or replaced, you must pay the deductible and your insurance company will pay the rest. But you may not be aware that you can change the deductible on your policy. Changing the deductible will affect the premium you pay.

Let’s say that you have a car insurance plan that indicates that you have a deductible of 500.00. Each and every time you make a claim against your insurance policy for damage to or theft of your vehicle, you must pay 500.00. If your car is damaged and the repair bill is 1,500.00, you must pay 500.00, and your insurance company will pay 1,000.00. If your vehicle is damages and the repairs cost 501.00, you must pay 500.00, and your insurance company will pay 1.00. If your car is damaged and the repair bill is 450.00, you must pay the full amount because it is less than the amount of your deductible.

By raising the amount of your deductible, you may receive a lower rate on your car insurance premiums. For instance, if you now have a 500.00 deductible, changing your policy so that your deductible is 1,000.00 would mean that your premium, or the amount you pay for your insurance, would be lower. But it is important to understand that higher premiums come with both benefits and drawbacks.

The immediate benefit to a higher deductible is obviously a lower premium. But the higher deductible itself can put you in a financial bind if you are ever involved in an accident or your vehicle is stolen. If you need to make a damage or theft claim against your insurance company, you will be required to pay the 1,000.00 deductible. And if you don’t have your 1,000.00 share of the cost of replacement or repairs, you may not be able to complete the repairs or replacement of your vehicle.

For this reason, it is very important that you consider the repercussions of a higher deductible insurance plan. If a higher deductible may not be reasonable for your budget, you may want to look into other ways to get cheaper car insurance for your Ford Galaxy. Some other discounts you may qualify for include limited mileage discounts, a discount for no claims, a good driver discount, a Pass Plus course discount, an age-based discount such as an over-50 insurance plan, a security discount for parking in a garage, and more.

If your car insurance company is not willing to work with you as far as providing discounts, you can look into eliminating extras from your policy. Many drivers do not really need a roadside assistance or breakdown benefit, nor do most drivers really need a courtesy or rental car option. Removing discounts like these from your car insurance plan can earn you a bit off your overall premium. Compare insurance companies and plans to select the insurance plan that gives you the best coverage for the lowest price.

Among automobile manufacturers, several stand out from the rest. Automobiles become known for different qualities. Some automakers have a long history, while others are known for the vehicles they make today. Here are four iconic car brands, listed in reverse order.

Ford

Although Ford is not known for building the most reliable vehicles today, it deserves to be mentioned among the iconic car brands. Henry Ford was among the first to use assembly lines in his factories, and the Model T was the most popular car in the Americas. In its early years, Ford influenced the automobile manufacturing industry. Today, all brands make their cars and lorries on assembly lines.

BMW

Germany is known for building high-performance and luxury cars. Auto enthusiasts can debate whether BMW or Mercedes builds a finer vehicle, but BMWs logo is more widely recognized. It is a circle, divided into four sections. The sections alternate blue and white. This logo reveals BMWs history. The company started as an airplane manufacturer, the emblem represents an airplanes propellers against a blue sky. After WWII, BMW had to stop making airplanes. They switched to manufacturing automobiles.

Toyota

Toyota became an iconic auto manufacturer when it revealed the Prius. This was one of the first hybrid cars. Today, almost every automobile manufacturer builds at least one hybrid vehicle, and many of them outperform the Prius. However, Toyotas model was one of the pioneers in hybrid technology.

Honda

Honda is the most iconic car brand in the UK and around the world. People are drawn to Hondas history, because it is the story of an honest man working hard. Soichiro learned to work as a mechanic, without attending school as a child. One day, he thought of attaching a small motor to a bicycle. The motorcycle was born, along with Honda Motor Company. Honda continued to grow through Soichiros commitment to quality and determination.

Today, people purchase Hondas, because they are built to last for years. Honda still has a strong commitment to quality. In addition to this, the company also values safety and style. These three aspects of Hondas philosophy of automobile manufacturing have made their cars the most popular in the UK.

Ford, BMW and Toyota have all become iconic brands, but for different reasons. Ford has a strong history. BMW has a well-known logo, and Toyota created the Prius. However, Honda has a strong history, stylish vehicles and continues to research alternative technologies. Honda is the most iconic car brand.

The vacation season and winter really are a deadly combination for your car drivers and automobile accidents. This can be a time when car insurance rates or auto insurance premiums and auto insurance accidents are simply not considered. Why would anyone wish to spoil their fun and joy considering things like this?

The truth is the holidays is definitely the time once the winter as well as the driving habits play a role in higher auto accidents which keep your car insurance companies busy. Hopefully, you should never be inside a automobile accident and never have to file an automobile insurance claim. Here are some ideas which can help in processing of the claims, since research within the start is better than having issues and frustrations of not receiving your vehicle insurance claim through.

1. Please report the vehicle accident towards the police if a person is injured irrespective of the extent of injury. In the event of property damage or car damage can there be, and limits greater than their state limit ought to be reported. This could be normally $1000 for the majority of states in USA.

2. Take reasonable steps to safeguard your car from another loss. Move it of the flow of traffic.

3. Record to the picture or sport specifics of accident, the amount of vehicles round the scene and individuals associated with the badges of the emergency personnel. It might be advisable to take pictures of the scene.

4. Law enforcement may have a driver information-exchange form. Make sure that you have all the details according to the check-list from your other party.

5. When you will find witness towards the accident, collect their names, addresses and telephone numbers to ensure that their statements could be taken at a later time.

6. Any kind of acceptance for the money or fault, or simply no reporting of the accident should not be done. This could prejudice your vehicle insurance provider or perhaps your own auto insurance claim.

7. Call your insurer as quickly as possible following the accident, and make certain that you file an entire claim. It is advisable to follow their advice and instructions because this might result in communication gap as well as later have difficulty in processing the claim.

8. Before getting the vehicle relocated to the garage of your liking, consult the insurer when they have a listing of preferred repair shops in your town. This could save you plenty of issues at a later time using the auto insurance company.

9. Just in case an adjuster is appointed, make certain that your insurance provider agrees to cover all repairs before getting work done on your own car.

10. Just in case you will find supplementary damages found during the time of repair as well as the estimated loss is beginning to change, contact the insurer and obtain if confirmed.

11. Check all repairs in the auto shop as well as whenever you return home to make sure that you will be pleased with the work.

12. Have an official receipt from your repair center that details all of the work they completed. Make certain that name and address of the shop are clearly identified. You may want to submit this together with your insurance claim.

Keep in mind that most of the problems that individuals have using the auto insurance companies are simply due to not pursuing the rules. Unfortunately, the car insurance providers have set rules that they follow and should not be changed.

Dr. T Smith, London, is an expert on the UK car insurance claims market. For more information about car insurance claim help,simply visit our website.

Portable devices like cell phones and laptops need portable power. What is the use of carrying them around if you cannot also generate the power necessary for them to function? Imagine you have a very important meeting and your presentation is saved on a laptop, which is running on low battery. Or worse, imagine a dead battery when you need to use your phone urgently. That is why laptop car chargers and phone car chargers have been invented. You can buy a universal charger to use for all phone brands, laptops and other devices. In-car chargers are plugged into the lighter outlet of the car, which is usually 12V. Here are a few examples of in-car chargers:

Laptop Travel Charger
This is a Universal travel charger that you can use in the car or even on the plane and through the mains supply. The charger can be used anywhere with different voltages. It automatically sets the voltage according to according to requirement. Although this is designed specifically for laptop charging, it can support USB powered devices like mobile phones and SatNavs. If you have no time to wait till your laptop gets charged at home, you can easily charge it in the car, while driving to work.

Multi-Purpose Universal Charger
This is a versatile charger for mobile phones, iPods, iPhones, digital cameras, Sat Nav/GPS, PDAs, MP3/MP4 players, and portable gaming consoles like PSP, Nintendo DS and much more. It has over one year standby charge and accompanies a one button touch power checker along with charge transfer technology. Multi-purpose Universal charger can store up to 16hrs of talk time for mobile phones. This is light weight and easy to use. By using the car charger that comes with it anyone can just plug it in the car and charge a cell phone or laptop conveniently.

It can hold up to 192hrs, iPods 80hrs, Sony PSP for 10hrs, MP3/MP4 players 12hrs and PDAs for 90 hrs maximum. The charger comes with Power Star GO unit, USB cable, charger cable, iPod connecter, mini USB connector, mini Nokia connecter, Samsung digital camera connecter, UK mains adapter, car charger, a user manual for instructions and a travel case for rough travelling and protection for the gadget at all times.

In-car chargers make life a lot easy by giving your everyday digital devices power on the move. If you drive, and use these essential gadgets, then it is crucial to buy an in-car charger, preferably for multiple devices.