Baby boomers are notorious for spending big bucks on things that remind them of their childhood. Old Spiderman comic books, memorabilia from television shows like The Brady Bunch and All in the Family, and muscle cars -- with their small bodies and big engines -- are among the more popular collectibles.
It’s easy to understand why television and movie memorabilia are so popular. Most of the shows still air in re-runs today, and there’s a lot of hype right now about Columbia Pictures’ Spiderman 2, which is set for release next summer. But what draws people to the gas-guzzling muscle cars?
“It’s all about nostalgia,” says Jill Bookman of American Collectors Insurance (ACI), recognized by the old car hobby and insurance industry as the country’s premiere provider of collector vehicle insurance. “Chevelles, GTOs, Camaros and Super Bees were heavily marketed to young buyers in the 1960s and 1970s. People who drove them back then have money now, and want to keep memories of their younger days alive,” she says.
When he was a kid, Jim Anderson, 56, of Cloquet, Minn., drove a 1966 Chevrolet Chevelle. “I got it right after I graduated from high school, and sold it four or five years later because I needed a more economical car, but I always regretted it,” says Anderson. Fast forward 37 years. Anderson now owns three Chevelles, one in working order, the other two in various states of restoration.
Anderson’s uncle, Art Martin, 69, also of Cloquet, shares his passion for classic cars. Martin has a 1961 Belair, 1961 Biscayne, 1963 Corvette Stingray and a 1978 Silver Anniversary Corvette.
“I bought these cars because they remind me of the cars I had when I was between 18 and 24 years old,” says Martin. “The 1961 Biscayne is actually a clone of the car I had to sell when I built my house.” Martin says he got the 1963 Corvette Stingray from someone in a similar situation.
Neither Martin nor Anderson drive their collectible cars much. Anderson says they tend to sit in the garage between tune-ups and test drives. “After spending thousands of dollars on a car that will just sit in a garage most of the time, the last thing you want to do is pay a fortune to insure it,” says Anderson.
Instead of insuring their collectible cars with their regular policy carriers, both he and his uncle took out special collector’s policies on their cars. “It makes financial sense. This way, insurance only costs us about $100 per car for the entire year,” says Anderson.
Specialty insurance companies like American Collectors Insurance are able to offer such low rates on collectible cars because they present low risk factors. “They are kept in garages, tend to be well taken care of, and are driven very few miles,” says Bookman. In addition to low premiums, policies offered by ACI are written for an agreed amount, rather than for actual cash value. “Meaning a 1964 Mustang won’t face four decades of depreciation in the event of a loss. We recognize that the blood and sweat a collector puts into restoring the vehicle means something,” says Bookman.
For more information on insuring your collectible car with American Collectors, or to get an instant quote, call (800) 360-2277 or got to www.americancollectors.com.
Courtesy of ARA Content
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Courtesy of ARA Content
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Tuesday, May 29, 2007
How to Put More Muscle in Collectible Car Insurance Policies
Thursday, May 24, 2007
Wondering How to Get a Cheaper Car Insurance Policy?
This is one of the basic concerns of most people. We cannot deny the fact that car insurance is somehow expensive depending on the circumstances. But there are some ways on how to have a cheap car insurance that can provide full protection that every one of us needs.
These are some basic tips on how to get cheap car insurance:
Credit standing and history should be clean – Make it to the point to have and to maintain a clean credit history. As much as possible, make this one your basic priority. A good credit standing and a clean credit history means that you are a reliable person in payment and financial matters and because of this, most insurance companies will be willing to provide significant amount of discount that most of us wants. On the other hand, if you have a bad credit history, you will forfeit your privilege to avail of the discount and would eventually pay a much higher premium.
Occupation with lower risk involved – The nature of work you are engaged in is also one of the determining factors in computing your car insurance premium. Insurance companies have formulated their statistics based on their research on the jobs that often get into car accidents. And with years of study, they have seen the trend. If your job fall on the category of risky jobs, then the tendency is you would get higher car insurance quote, but one good side of it is that there are also jobs that are entitled for discounts. This may not be applicable for every one. But the best thing that you can do is to shop around and ask some insurance companies about this matter.
Drive a not so expensive or a low profile car – The car that you drive also affects the quoted premium. You can see those people who drive high class cars or so called luxury cars. They would be paying a higher car insurance premium because of it. The main reason for this is that, these kinds of cars are very susceptible to theft and certain major damages. It is advised that you only use those not so expensive cars for you to have cheaper car insurance policy.
Equip your car with safety features and make it as safe as possible – Along with driving a low profile car, it is also advisable that you put safety features in your car such as anti-lock brakes, seatbelt, airbags, etc. Most car insurance companies would offer lower payments to the owners of the cars with such features present. Online quotes comparison – One of the best ways to have cheap car insurance is to look for it online. There are many websites available that can offer free car insurance quotes online. You should provide valid and honest answers for the questions for you to have a valid estimation of your quote. This may not comprise the actual premium cost but at least you will have a rough estimate of your car insurance premium. This is also one way to determine which insurance company provides the best premium quote with best coverage offered.
Online quotes comparison – One of the best ways to have cheap car insurance is to look for it online. There are many websites available that can offer free car insurance quotes online. You should provide valid and honest answers for the questions for you to have a valid estimation of your quote. This may not comprise the actual premium cost but at least you will have a rough estimate of your car insurance premium. This is also one way to determine which insurance company provides the best premium quote with best coverage offered.
About the Author:
Aiden Matthew Wilson is a writer that handles a site that provides cheap car insurance quotes online (http://www.1carinsurance.org). For more useful resources and information about car insurance, please visit car insurance articles (http://www.1carinsurance.org/articles/articles.htm).
Added: 05 Jan 2007
Article Source: http://articles.simplysearch4it.com/article/47046.html
Friday, May 11, 2007
Outside Pressures on the Typical Insurance Adjuster
Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank.
The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner, or Bureau of Insurance that overseas the antics of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaint Division. If the adjuster you’ve been dealing with has refused to make any offer at all, has engaged in what you consider to be unethical conduct, or has made what you believe to be a ridiculously low offer, you have cause for a complaint.
The mere mention of a complaint to the State Department of Insurance may bring the adjuster around to making a better offer. Adjusters would rather not have to deal with a complaint and they positively don’t want copies of them ending up in their personnel file!
Your complaint to the State Insurance Department will accomplish several things. First, his boss will now become aware that there’s a claimant who intends to do whatever it takes to obtain some positive settlement dollars. That will often inspire that person to take a closer look at your case and come up with a better offer. Also, if indeed you write to the Consumer Complaints Division, it will evolve into what’s always a costly effort because a complaint with the State Insurance Department will add an additionallayer of work, supervised by an extra contingent of personnel. When it’s realized this will likely come to pass they’ll try harder to get rid of you and settle your claim.
The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They're acutely aware of the fact if their personnel file has correspondence flowing into it from claimants they've handled(plus copies of the letters which have been sent to the insurance commissioner) and those will, somewhere down the line, be read by one of his companies executives. In many instances this will be a man who doesn’t want a “Problem” claims employee spluttering, splashing and crashing about his office area causing headaches and extra work within the framework of that particular executive’s command. The adjuster is fully aware that such complaints will keep him, out on the road forever,and will surely prevent him from moving up the corporate ladder.
OTHER CRUCIAL ISSUES THAT THE ADJUSTER IS AWARE OF
When it comes to the reality of the way things work in the actual, daily, experience of personal injury claim negotiations and settlement, is often vastly different from the stipulations found in the “Formal law”. That is, legal theory, as it’s written and allegedly supposed to work. What this means, simply stated, is: Adjusters can settle a case, whether their decision to do so is based on “The Law”, or not.
In the real world of Personal Injury settlements a “Compromise” (one which often has little and often nothing to do with "The Law") is the order of the day. It’s commonly accepted among those is the business (because that’s what makes their work life so much easier) that in any given case there’s almost always a likelihood of negligence on both sides, rather than just one. What this boils down to in practical terms, is this: Irregardless of the law practically no claim is without merit or totally lacking in value - - especially if the “Value” is simply to “get rid of it”. QUESTION: "How does Dan Baldyga know this to be true?" ANSWER: "Because he was an Insurance Adjuster, Supervisor, Manager and then Trial Assistant for over 30 years. He's been there, and observed that."
Although it’s never expressed to him “officially” every adjuster quickly learns, should your case go to trail, compromise will usually be the order of the day, even in cases of questionable liability . This fact alone gives him plenty of room to make a compromise settlement before your case ends up in his Defense Attorney’s hands where such a move will usually take place anyways! Why will this come to pass? Because the costs of preparing for(and then proceeding into)a courtroom battle will skyrocket.
Being aware of this is always bubbling and boiling in the gray matter between every adjusters ears. If there’s any question whatsoever (regarding who was at fault in the accident you were involved in) don’t ever give up. Keep pounding away! When faced with a determined claimant who’s willing to wait and haggle and refuses to go away, the chances are the adjuster will eventually make an offer.
This comes to pass because the adjuster(especially if your claim has some value) doesn’t want it to end up as a complaint at the State Department Of Insurance. Plus he knows you’ll be made, a settlement offer, somewhere down the line, anyway! So, better he settle it now, before the cost of defending it gets blown out of proportion, later.
In order to continue to look good (especially to those who watch their progress and the way they handle the outside pressure’s that haunt every one of them)insurance adjusters - - who want to climb their corporate ladder to success - - must be very cagey individuals who must work hard to please those they work for. For you to understand this will most assuredly be to your financial advantage.
Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved
DISCLAIMER: This insurance claim article, OUTSIDE PRESSURES ON THE TYPICAL INSURANCE ADJUSTER is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever, NOR does he purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain it.
Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com. or http://www.caraccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.
About the Author:
Dan Baldyga
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail To: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On The Internet At: http://www.caraccidentclaims.com
Or: http://autoaccidentclaims.com
For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and trial assistant.He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so the will not be taken advantage of. Mail to: dbpaw@comcast.net
Article Source: Articles Directory.net
Friday, May 04, 2007
Lowering Your Auto Insurance Costs
Vehicle insurance - a cost we all must bear if we want to drive. But you might be surprised at how varied the rates for car insurance can be in your area. Definitely shop around for your car insurance. Don’t just go with the first agent you speak with.
Now, thanks to the internet, you can shop around right from the comfort of home. Go ahead and get at least three price quotes from different kinds of insurance companies.
If you’re in the market for a new car, call to see how much it will cost to insure in the first place. Having a car alarm and other anti-theft devices can help lower your costs.
Always ask about discounts. Don’t be shy. Companies expect this!
What’s my cost if I have a $500 deductible? (Increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by as much as 30 percent.)
How about a $1,000 deductible? Going to a $1,000 deductible can save you 40 percent or more. (Now if you don’t keep at least this much in the bank, don’t choose this option!)
If your car is worth less than 10 times the annual insurance premium, purchasing extra coverage may not be cost effective. That’s one great thing about owning an old car!
My credit rating is excellent. I always pay my bills on time.
What if we insure more than 1 car with your company?
I haven’t had an accident in more than three years…
I haven’t had a traffic ticket in three years…
I’ve taken a driver’s training course.
My car has an anti-theft device.
I don’t put a lot of mileage on my car in a year’s time.
I carpool.
My car has air bags.
My car is quipped with anti-lock brakes.
I have daytime running lights.
I’m a student driver with good grades.
Since I have both auto and home coverage with you, do I qualify for a discount?
I’m a college student away from home…
I’ve been a long time customer…
My mom and dad use your company…
Do you offer any other discounts? Some companies offer reduced rates to drivers who get insurance through a group plan from their employers and other professional groups. It can’t hurt to ask.
Not every company will offer the same discounts. Compare the final prices the various companies offer you. It pays to shop around for your car insurance!
About the author:
Mark Freeman
This article provided courtesy of http://www.auto-warranty-shopper.com
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Tuesday, May 01, 2007
California Affordable Insurance
There are thousands of California Health Insurance Agencies provides superior telephone service and cultivation where it counts. Save quite on outlay and on group medical coverage choices.
They are making it easier for everyone to get health outlay. They help out customers hanging on to their health plan and costs with needless California PPO and HMO plans. They propose individual digression for families and schismatic rounds for mini and large businesses.
The faculty health plans provides affordable health insurance to meet buyer needs for now and tomorrow with competitively price designed to save money. All the agents brings the without doubt quality insurance carriers and material on the short supply today.
As a consumer, you can find this for health plans such as fair guidance on health, insurance programs, health insurance plans, individual health plans, medical nut plans, family state burden range, individual health insurance, dental insurance plans and blue contrariwise.
They offer Mediocre of companies, Blue Cross, Caesar Permanente, Blue Face, Stamina net, PacifiCare, Aetna, Field wide Group and Individual plans.
Do not waste your time in the phone manual dialing for deals. Enjoy the convenience of great suggestions presentation to you. Fortunately a free market leaning public servant in the states convinced the political superiors not to pass a resolution without discussion and to host a public affordable insurance where both agents and buyers able to protect their family. This tactic has been used by California county governments to pass resolutions supporting their residents.
Policymaker in California shows an ability to develop measures that reduce costs and increase accessibility. They fear the people will simply give up from a sense of sheer exhaustion and let the government take the whole thing over. Now, both agents and buyers able to fulfill get protection for own self and giving protection for those who really needing it especially family.
Hometown quotes is a new morality service that allows others to save time and frustration and compare California Insurance quotes from leading providers. Hometown agents offer quotes throughout California. The hint at application process is always free with no obligation to buy.
Staying on top of all things insurance is not an easy responsibility, so let our bright team of insurance experts and agents do the all of work for you and provide you with the best offers once in a while the top companies.
Life Insurance can help fill the gaps when you or someone you love passes away, as well as, helping to eliminate the stress and uncertainty of their future.
With most aspects of life insurance, the premium is based upon factors over which you have no control. The location of the property, its age, the value of its contents are all fixed and there is little that you can do about it.
About the Author:
Francis Lua Find out more information at at my website which is at www.healthinsurancesuper.com
Content Provider: http://www.my-articles.com
