Kyscrap Online

Archive for September, 2011

If you have a luxury or modified car but want to keep your auto insurance costs down, you need to make sure your car is secure. Expensive cars and cars with non-standard features are hot targets for thieves, and can be more expensive to repair – that’s why they attract higher insurance premiums.

It’s pretty obvious really – a car with extra bling is going to catch a would-be thief’s eye much more than an unglamorous family sedan. But if you can show that you are limiting the risk of theft and vandalism with security devices, you can lower your premium.

The Insurance Institute for Highway Safety has released a list of the most stolen and least stolen cars. This information is based on the frequency and size of insurance claims for car theft.

The least-stolen non-luxury car is the Volkswagen Passat CC. Other cars that don’t seem to be targets for thieves include the Chevrolet Aveo, Mini Cooper Clubman, Volkswagen Eos convertible and Mazda 3 and Mazda 5.

On the other side of the coin, the most stolen non-luxury cars include the Chrysler 300, Dodge Charger Hemi, Nissan Maxima, Honda Civic Si and Honda Accord.

Among the least stolen luxury cars are the Audi A6 Quattro 4WD, BMW 5 series 4WD, Hyundai Genesis 4WD and Volvo V70 station wagon 4WD.

The most targeted luxury cars are the Infiniti G37, Lincoln MKS, Cadillac DTS and Chevrolet Camaro.

If you’re about to purchase a new luxury or performance vehicle, why not get an idea of the likely auto insurance premiums first by calling your agent or insurer? Remember, organizations such as the CA department of insurance serve to set insurance an insurance market that is fair, competitive and accessible to all Californians.

When you are in excellent health, or you have rarely been ill, health insurance may seem like an unnecessary expense. However, medical services can be very costly and the fact is that illness and accidents are generally unexpected. Health insurance is designed to protect you from excessive costs incurred from medical services should you need them.

Fortunately, California health insurance can be tailored to your unique needs so that you are covered for what you are most likely to need. For instance, you can opt to purchase health insurance to cover only the basic and essential items, such as check-ups, hospital stays and emergency services, and forgo coverage for things you are less likely to need, like childbirth coverage if you are not planning for a family. Or you may be able to take advantage of group health insurance options through an employer, which may mean paying lower premiums.

Of course, even the best California insurance can’t prevent you from becoming ill, and preparedness is always better than scrambling to come up with the money to pay for essential medical treatment, so always keep your personal health on the top of your priority list! Having the right health insurance can help you to do so by making it less of a financial burden to have regular checkups and seek treatment early when you’re feeling ill.