Travel Insurance Mexico

Mexico has been one of the most popular destinations for vacation, especially people from United State of America. There are also many businessmen who go to Mexico on a business trips. Be it business or vacation, the most important aspect of travelling is to be aptly insured.

The most common insurance policies to travellers, in particularly, drivers of their own vehicles are Mexico auto insurance, which provide insurance coverage for cars. Apart from automobile, health is another aspect, which is believed to be necessary. However, it is not exactly popular to travellers, mainly because many people felt that it is not really necessary. Another form of insurance coverage is travel insurance, a type of insurance product that provides coverage based on a list of stipulated unforeseen situations that resulted in suffering of monetary loss during your vacation.

Travel insurance is the most important thing you probably need to have because the likelihood of experiencing unforeseen and unfortunate events may be quite high. Technically, the reason why the chances are high is because you are in a foreign country where there are a number of things that you would not even be informed of. For example, if you have missed or delayed your flight due to natural disaster or even human factor like riots, workers go on strike or major public disorder, you will probably need to bear such cost if you do not happened to have a travel insurance policy. Another important component in a typical travel insurance policy is the coverage for loss of valuables. Mexico is not the safest countries to visit basically, so such availability of coverage in this aspect may be really assuring and helpful.

There are a few points to note with regards to travel insurance. First of all, it is to note that the travel insurance policy must be purchased locally, that is to say the country you belong to before you entered the country of visit. Secondly, it is important to take some time going through various insurance companies before buying one because you will have time to go through the policies in respect to their areas of coverage as well as their price in order to get the best deal. And lastly, it is also to note that buying travel insurance online is more cost effective and convenient. It is generally lower in price mainly due to lower operational cost and fierce competitions.



Source by Robert Mall

Cheap Car Insurance

Finding good car insurance can be very difficult. Here are a few tips:

  • Try a few different insurance companies. Companies are different. So are their prices. You may find that one company wants to charge you $1000/month for insurance and another will only charge you $400/month. You might be one of the lucky ones who only gets charged $30/month. Regardless of who you are, call multiple carriers even if the first quote you get appears to be low. You may find another company with a lower rate for you.
  • Talk to friends and family. Other people are just like you, they want cheap insurance too. Chances are, you know someone who has already called all over the place and can give you some good pointers on which car insurance companies were the cheapest for them. Remember, nobody likes to spend money on auto insurance.
  • Use the internet. The internet is a great place to find auto insurance. You can find out information about insurance companies, compare rates, get quotes, and shop around without leaving your house. There are also websites out there like 1carinsurance.org who have organized insurance company data and user data and will tell you which companies people are having success with in finding the best car insurance [http://www.1carinsurance.org] for them.
  • Get auto insurance quotes. Don’t just trust them. Get a quote. They’re free (or, if the quote isn’t free you know you don’t want to use that company). If you can get quotes from 6 or 7 different companies, you then have hard data to compare the companies against each other. You’re also pretty sure you’re going to get the lowest rate.
  • Try local companies. Often times people only think about the big auto insurance companies like Geico or Progressive. They don’t even look around their local communities for auto insurance companies that might exist. Often local companies can offer cheaper rates because they don’t have the large buracracy that larger companies have.

Just remember to shop around as you look for cheaper car insurance. The first company isn’t always the best.



Source by John Jonas

How To Get Even With Your Car Insurance Company In 10 Easy Steps – Part 1

How much do you pay for Car Insurance every year?

Eight hundred dollars a year? One thousand? Two thousand?

Whatever the amount you're paying now, you can slash that amount by more than 50% by simply following a few simple strategies.

Can you cut your car insurance costs by investing only 30 seconds of your time? No, that can not be done.

But if you're willing to spend 30 minutes today, this week, or next, I'll show you how to save up to $ 6,000 on your Car Insurance over the next 10 years.

Okay, here we go. Grab your Car Insurance statements page (the page in your policy that details all the coverage's you're paying for) and follow along. Make sure you take some notes. If you do not have your policy, or can not find it, call your car insurance company and get one – they'll send it to you pronto.

STEP 1 – Make sure you're getting all applicable discounts for your vehicles safety features, such as:

– Front, Side or Head Curtain Air Bags; – Automatic Seat Belts; – Anti-Theft Alarms or Tracking; – ABS or Traction Control …. and many more.

Think about the safety features you have …. and write them down.

STEP 2 – Review & Change Deductibles For Comp & Collision.

Most Car Insurance Policies have two deductibles – one for "collision" (you hit someone or someone hits you) and one for "Comprehensive" (all other damage or loss).

For both of these, have at least a $ 500 deductible – preferably a $ 1000 deductible.

Here's why – If you are currently paying a $ 100 – $ 250 deductible, you'll save up to 40% per year on your monthly premiums by moving it to $ 500. That means if you're currently spending $ 1,000 a year on insurance, you're going to get to keep $ 400 every year. If you jump to a $ 1,000 deductible, you could keep almost $ 600 extra a year in your pocket.

I can hear some of you saying, "Wow, a $ 1,000 deductible. That's a lot of money." Yes, it is.

So is paying $ 1,000 a year with that $ 100 deductible …. versus $ 400 a year with a $ 1,000 deductible.

The odds are in your favor – go with the $ 1,000 deductible.

STEP 3 – Review & Change Property Damage Liability.

Have you ever seen a $ 100,000 mailbox? Car Insurance Companies must have. Here's why ….

Property damage is not damage done to an automobile but rather "property" like a mailbox or a utility pole. So, why in the world would you need $ 100,000 dollars of coverage?

In most cases, almost 100% of all property damage claims can be taken care of with only $ 50,000 of coverage. So take a look at your policy to find out what you're currently paying for. And if you have little or no Net Worth, drop your coverage even lower – to $ 25,000 or your States minimum. You can find your States minimum by doing a Google search for "car insurance state minimums."

Here's what to look for on your policy – Many will have your liability coverage's listed like so – 50/100/100 – The first two numbers refer to bodily injury liability coverage. The 1st number is the dollar figure covered per person. The 2nd is the dollar figure per accident.

The 3rd number is the "Property Damage Liability." That's what you need to change. What does yours say?

STEP 4 – Review & Change Bodily Injury Liability.

Although Bodily Injury Liability Coverage is a must, almost all of us end-up overpaying for the coverage we need. This type of coverage specifically covers:

– Any and all occupants of an automobile, whether it's yours or someone else's; – Any and all occupants of another vehicle; – And Pedestrians

Your only goal with this type of coverage is to have just enough protection to protect what is yours …. in other words, your assets. And in order to protect your assets, you need to figure out what your Net Worth is – here's a well known site for calculating your net worth – http://www.kiplinger.com/personalfinance/tools/networth.html?

A great way to slash your premiums is to have no more in bodily injury liability than what your net worth is. Here's a common example of the coverage most people have – If your net worth is only $ 20,000 and you have $ 100,000 in coverage, you're throwing money away.

And if you have little, or negative net worth, just get the required State minimums. You'll need this info to get the lowest car insurance rates. Again, you can get to see your state minimums by Googling "car insurance state minimums."

Here's what to look for when trying to figure out how much coverage you have now. As I said earlier, most Policies today have your liability coverage's listed like so – 50/100/100 – The first two numbers (whatever they might be) refer to bodily injury liability coverage. In this example, there is $ 50,000 in coverage per person and $ 100,000 per accident.

What does your policy say? Are you paying more than your net worth? If so, change it.

STEP 5 – Review & Change Uninsured / Underinsured Motorist Coverage.

The uninsured / underinsured motorist coverage is a fantastic deal for car insurance companies …. and a lousy one for you. This premium alone can increase your auto insurance by a couple hundred dollars a year.

Most people think that uninsured / underinsured coverage is there to get your car repaired if it is hit by someone without insurance …. or someone with lousy insurance.

Wrong.

Any damage done to your car is already covered – by the premium you're already paying for collision.

First things first …. check your policy if your paying for uninsured / underinsured coverage now. If you are, Google "uninsured motorist state requirements" to see if your state requires it.

If it's not required by your State, cancel it.

If the State you live in requires require uninsured / underinsured coverage, make sure you have the absolute minimum required. These minimums are not advertised, change every couple of years and are very difficult to find. So, here's how you handle this.

Do a Google search for your State Department of Insurance, go to the "Contact Us" page, find a phone number, then call and ask what the minims are.

Do not try looking for it. Finding the minimums listed is almost impossible on most State Web Sites – they've buried it so deep you'll never find it. Just call your State Department of Insurance.

I know it's a bit of a hassle to get the info yourself. Yet relying on the Insurance Companies to give you the correct information is not very wise.

Next …. Part 2 of "How To Slash Your Car Insurance Costs In Ten Easy Steps."



Source by Here O'Leary

Where to Look For Car Detailing Jobs

Many people are hired to car detailing jobs and careers for the potential of high earnings and for the freedom many experience form having their own business.

While car detailing jobs vary from location, geography and the experience you bring to the table, most require developing skills that truly allow you to improve the appearance of the car. This can mean an understanding of how to properly wash and dry, to advance use of chemicals, polishes and waxes.

Most agree the trade is similar to an artist or craftsman developing a skill or craft often requiring an apprentice period to learn the ins and outs of the skill as well as how the business of car and auto detailing works.

Many who are interested can begin their careers working with professional detailing services. These companies often provide outsourced services to auto dealerships. These companies provide "make ready" services wheree pre-owned and new cars are prep'd for the dealers lot.

The list of requirements can range from simply removing travel protection (such as plastics and paper mats) to full details that include vacuuming, washing, waxing, wheel protection, and engine compartment cleaning.

Advanced services provided to dealers can also include headlight restoration, ozone cleaning, interior steam cleaning, and dent and paint repair. It is also common for dealers to provide car detailing services as an added service to its customers. Most of these are done in conjunction with servicing, collision, or repair services. The amount and type of services are commonly worked out between the detailing service and the dealer.

While not the most glamorous, detailer jobs can also be found at upper-end car washes. While many of us prefer just to have our cars washed, wiped down and discounted, a high margin detail is usually a customer option. For some this may be a good start if you are interested in car detailing, although the pay may not be as lucrative as if you work with a professional detailing company that generally pays on a commission or performance basis.

A third alternative is to start a mobile detailing company. Costs of entry are not too high, but there is lots of competition. Another downside is you are often left to developing skills on your own – not to mention the time, cost and effort needed for promoting your service.

Bottom line, if you are looking for a car detailing job, choose a professional detail service where you can learn the routes, get experience, and have an opportunity to learn from the ground up. While entry-level positions may only pay $ 15,000 – $ 18,000, senior detailers can as much as $ 80,000.



Source by T. Blake Faber

Most Common Types of Auto Repair

If you own a car, at some point, you are going to have maintenance. While some problems are more severe and not very common, other types of auto repair are far more common. When done periodically, these repairs can keep your vehicle operating for years.

Tires

Driving is hazardous to your vehicle’s tires. Nails, pot holes, and even curbs can cause damage to the rubber, forcing you to have it patched or replaced. If you can have the tire simply patched, it is pretty inexpensive, and most patches can hold until the tread is too worn to continue using. However, if there is no repairing the tire, you could be looking at an expensive replacement, especially if you have to replace multiple tires.

Brakes

One of the most common types of auto repair will be the brake system. Over time, your pads will wear out, causing you to have to replace them. This can happen multiple times during the life of your car. While this is a fairly inexpensive replacement, if the drum or rotor needs to be replaced you could be looking at hundreds of dollars in maintenance costs. If you are having trouble stopping, it is most likely the pads are worn out, as the brake lines rarely need maintenance.

Oil Changes

Another common form of maintenance is having regular oil changes. While you may not see this as auto repair, it does keep your engine from being damaged. Fresh oil, with a new filter, every few thousand miles can make a significant difference in how your engine performs. Without this maintenance, carbon deposits can build up, wearing out your piston rings and even seizing up your engine. The cost to replace those parts and clean the block is far more expensive than the occasional oil change.

Fuel System

If you are someone who prefers to fill up their car only half way and then drive it until the warning light comes on, you may be doing more damage than good. Vehicles that are regularly driven with less than a quarter tank of gas run the risk of having their fuel filters clogged up. Additionally, you should have the injectors cleaned and fuel filter replaced by a professional on a regular basis.

Ignition System

Eventually, your battery will wear out. Most are rated to last seven to ten years depending on the brand of battery you purchase. The price depends on the battery and the length it is supposed to last. You might be able to recharge your old battery for much cheaper. However, it will eventually need to be replaced.

Another part of the ignition system that commonly needs to be replaced is the starter. While it is not the most expensive replacement, it can be more expensive than a simple battery replacement. Usually, if you are having trouble starting your vehicle, it is either the battery or the starter. Your local mechanic can test them and tell you which part needs to be replaced before you are left stranded.

Auto repair is part of owning a car. If you take the time to maintain your vehicle, it will last longer than expected.



Source by Ace Abbey