Getting Low Auto Insurance Rates – Cheap Car Insurance Policies

First of all, avoid being in an accident. Having a clean accident-free driving record is a big plus for negotiating lower rates from your auto insurance provider. That you are a good driver makes the risk level for the insurance agency to be relatively low thereby giving you more power to make certain demands especially on lower rate considerations.

Also having a clean driving record will make you top choice and a better client to the insurance companies around.

You should endeavor to understand some of the value added services that auto insurance companies provide. Most times, these services help you save both time and money. A good insurance company will certainly love to have smiling customers and one of the greatest means for achieving this is to increase service value while maintaining price points or even lowering the overall price.

You can save more if you have multiple policies running on the same account. For example you can have a life insurance policy, home renters insurance and your auto insurance policy all being active in the same account. This will typically prompt for a lower rate negotiation.

Insurance companies will cross check on some of your personal behaviors and habits. If you have a record of getting drunk on alcohol or excessive speeding with friends and over loading vehicles, then your record is that of a high risk for the insurance companies. Having a non-destructive record will certainly give you more points for lower rates. The first step for you to get your lower rates is to get free auto insurance quotes from trusted agents online.

Where To Start?

How to Choose Your Motorcycle GPS Systems

Location, location, location are not just words used in real estate. When riding your motorcycle it's a great idea to know where you are and where you are going. Global positioning systems or GPS have come a long way in the last twenty years in helping riders find their way along the highways and byways of traveling. Choosing the right GPS for your motorcycle can depend on what features you desire.

The physical dimensions of the GPS device can be up to 5.7 "x 4.2" giving you a large enough screen to view your roadway, directions, watch a video on screen, or just use the split screen to see your next turn. The buttons for almost anything you need are right there on your large screen. In case you want to find your location at the moment just go to the Menu. From there push the "Where Am I" button on the touch screen and you will be able to read your exact location.

GPS devices are generally pre-loaded with maps of the United States including all cities, towns, highways, and local points of interest. This allows the rider to find any destination, landmark, or address in the continental United States. To help with guidance GPS devices have voice control which allows you to talk to the GPS and ask for directions, turns, or the next filling station on your route. The device also gives you audible turn by turn.
instructions, highways intersections, distance to your turn, and what lane you need to be in to make your next turn.

Wifi capability is available if you need to make reservations at a restaurant, check your stock portfolio, or just look up a local movie theater. The Wifi feature also allows you to get the local weather and traffic information so that you can either get out of the rain if need be or detour around an accident in the road several miles ahead. The colorful touch screen can be a valuable benefit to you when trying to finding your way to local events, route planning, and uploading those points of interest you would like to see along the way.

To give you further enjoyment on your ride the GPS device has Blue tooth Stereo as an added feature. This allows for many hours of listening comfort while you ride. If you enjoy music as most people do you'll want to choose some of your own favorites. An MP3 player gives you the flexibility while you drive. You can easily hook into the side of the GPS with your jack and listen to your music or get directions to your brother's barbecue.

For most of us in today's market we would not want to be without our cell phones. Blue tooth technology has allowed GPS devices to have hands free phone service. Use the touch screen to accept a phone call and talk to the GPS device to find a number and make a call. Hands free phone service is easy and very versatile.

When you've reached your destination GPS device can be removed and used to find your way on that hike up the mountain and back. Your exact location where your bike was left can be found by easily using your touch screen and directions. Global Positioning Systems (GPS) are the best idea for the motorcycle rider.

The iPhone 4 – New Features, New Design, Brand New All in One Gadget

The new iPhone is finally here. More technology packed then ever before, it sets new benchmarks for other mobile phones manufacturers that have been overwhelmed by the success of Apple's iPhone.

But I guess you're more interested in the features of then new phone rather than the impact it has on the business world so let me share with you the novelties it brings along.

Design:

The new iPhone is thinner, sleeker and better looking then its predecessors. The stainless steel looks good and refined giving it a more futuristic look. The metal buttons add to the overall feel of sturdiness without dramatically increasing the weight. It is heavier then the iPhone 3GS by only 0.1 ounces and it feels great in the hand.

Technology:

But the most obvious improvement is by far the new screen. The "Retina" is a 3.5 inch display which looks absolutely superb, mainly because its pixels are only 78 micrometers wide. It has four times more pixels then the previous version and it is by far the best display I have ever seen on a handheld device. The zoom is flawless and not a single bit of detail is lost in the process.

The "camera system" (as Steve Jobs called it) is comprised of a 5MP capturing device on the back and a VGA one on the front. The image can be shifted between cameras at any time during a video call. Apple calls this "Face Time" and although it has been praised by company officials it is pretty hard to believe it will revolutionize mobile communications or set a trend for other manufacturers to follow. It is undetected a clever feature but it is overshadowed by other technological marvels such as the flawless screen.

iMovie:

iMovie is an app that allows complex video editing like nothing I have seen before on a mobile phone. You can trim out a section of a movie, add a musical soundtrack to any clip, insert pictures in movies and many more. It costs $ 4.99 in the Apple applications store but it is really worth the money.

Conclusion:

The iPhone 4 is a great device with major improvements from the previous versions. Technology packed but also a looker it will unduly become a favorite among geeks and fashion savvy teens alike. A true all in one that certainly describes your attention.

Are Motorcycles Covered Under California Lemon Law?

When you buy a motorcycle, either from a previous owner, or from a dealer, you expect to run properly. Having to repair the vehicle on and on should make you a bit suspicious. Failing to properly function after a consecutive number of repair attempts is a clear sign that you deal with what is commonly known as a "lemon". We know that there are specific consumer laws regarding lemon car in California, but does the law also cover lemon motorcycles?

Yes, motorcycles fall within the scope of California's Lemon Law. If you have had promised warranty repairs or excessive time in the repair shop, then you should call a lemon law lawyer for further assistance. California law covering motorcycles, trailers and boats is a bit different that the law covering cars. Under the California Lemon Law, motorcycles are covered by Civil Code section 1793.2 (d) (1) which covers "consumer goods."

Consumer goods are covered by lemon laws if they are sold with a written warranty and they are bought for personal or household use. Just like cars, consumer goods must be subjected to a reasonable number of repairs before being declared "lemons". But, unlike cars, a manufacturer can repurchase the product or replace it in order to fulfill its obligations under the California's lemon law. The good news is that the found defect need not "fundamentally impair the use, value or safety", meaning that you can recover your money even for some minor defects.

Typical defects compromising the safety of driving a motorcycle, making lemon cases stronger than in the case of cars. It is important to collect as much of the repair documentation as possible. They will support your claim and will allow you to settle the claim faster. Also keep track of accidents during operation of the bike is also helpful. Sale documentation and warranties provided at the time of sale can again make a claim stronger and easier to obtain a refund.

Owners of faulty, lemon motorcycles can ask for a replacement motorcycle or a full buyback. The latter will include:

• Full motorcycle price or paid monthly payments and down payment
• Registration fees
• Sales tax
• Incidental damages
• Vehicle rental cost and towing reimbursements
• Attorney`s fees

However, a small amount of money may be calculated and deducted from the repurchase costs, The sum of money is based on the mileage that the motorcycle was driven for prior to the first problem.