25 May 2012

Information on debt consolidation car

 Reduce your monthly payments through debt consolidation loan:

The debt consolidation loan is also called redemption of debt, or debt, consolidation, credit consolidation.It allows substituting one or more existing loans by a single credit at a lower rate, amortized over a single period in line with your income. The goal: reduce your monthly payment.

The debt consolidation loan can be performed on all types of credit: it can apply to both real estate loans as consumer loans like credit car. By subscribing to a debt consolidation loan, you can avail of several benefits over the long term:

  • Repay a single loan on a single period,
  • Access a lower rate than the accumulation of old rates,
  • Lower your debt ratio,
  • Ventilate your budget,
  • Recover the purchasing power and give you the opportunity to save.
  • Access to debt consolidation

The purchase of credit is for all socio professional employees, pensioners, tenants and owners. You can easily access it, but some restrictions exist.

The remainder to be paid must be greater than the time already elapsed (e.g. 15-year loan, the purchase must be made in the seventh year maximum).
You should not be allowed to bank, incident file for reimbursement, if you do not own.
Your income must exceed 1500 bucks gross per month for your file has a chance of being accepted.

You do not need to change banks to achieve a restructuring credit. Your bank may use an intermediary company operator Banking, which supports the administrative approaches to various banking institutions. This intermediate Simplifies and increases the chances of acceptance of your application.

Also, if you have already received a consolidation loan, be aware that a second application can wait for a long year has passed and they had been no incidents of payment.

Where to go for a debt consolidation loan car?

Four types of financial institutions may establish a consolidation loan:

Conventional banks,
The specialized mortgage institutions,
Institutions of consumer credit,
The credit brokers (called Intermediaries banking operation, BIO) and insurance specialist.

18 Apr 2012

Choose! what is the right car insurance?

To give a general answer to this issue is not possible, because there are none, the best car insurance that fits for every driver / vehicle and each is optimal.

In recent years, the insurance terms and conditions of car insurance becoming more extensive and complicated, so the only an accomplished lawyer for this matter really hinted. We want to give you tips on this page to choose the right auto insurance for your own individual case, by which may save money or get you better coverage.


We want to put us close to you to decide on the car insurance premiums are not limited to the amount - the premium is certainly an important factor, but not the most important. Vote in the full package of hedging, and those who save at the wrong end of pay, often twice.
Who wants to buy a new car EU should definitely compare individual insurance, there are often applied here different methods for calculating premiums.

Our topics:

Liability insurance
In the car insurance is mandatory liability insurance law. The premium amount is determined using the so-called type classes in conjunction with the personal claims bonus...
Comprehensive insurance
When car insurance is a third-party insurance on voluntary basis. The premium amount is determined using the so-called type classes....
Full insurance
In the car insurance is comprehensive insurance on a voluntary basis. The premium amount is determined using the so-called type classes in conjunction with the personal claims bonus...
Claims categories
Is calculated as the insurance premium for the automobile liability actually...
Period of notice
Of termination is in the car insurance it contain different variants that have different deadlines...

Basics of Auto Insurance

The term car insurance policy covers all forms of insurance around the car. These include automobile liability insurance, comprehensive insurance (full insurance and partial cover), the letter of protection, transport and insurance law, the Personal Accident Insurance.

The automobile liability insurance is generally required by law. It pays for all damages caused by a motor vehicle (car) to other persons or property. In case of damage, the injured party has the opportunity to make their claims directly against the insurer directly enforceable.

The insurance covered damage to the vehicle. A distinction is made ​​between fully comprehensive and partial cover; When the vehicle is insured with third party insurance against damage caused by fire, a storm, explosion, theft and similar. In the comprehensive insurance, the car is insured in all these areas and in addition at a total loss.

The car-letter protection insures a vehicle against breakdowns or accidents. One such category covers the costs of breakdown and accident assistance, salvage, towing, rental car use (at a distance from home 50 miles) and so on. Distinguish letters of protection offered by car clubs from those offered by insurance companies. Car clubs generally insure only the owner of a car, insurance, however, assure the proper vehicle.

The traffic-legal expenses insurance takes over in case of motor vehicle litigation, the attorneys 'fees, fees for experts' fees, court costs, where appropriate, the costs of the opponent and so on. It helps with the general enforcement of damage claims and supports the policy holder as owner, driver and passenger of a motor vehicle, as well as pedestrians.

The Personal Accident insurance provides additional protection for the occupants of a vehicle. It is purely a sum insured. In case of accidents, which are directly related to the control and use of the car is paid regardless of fault, the contractually agreed sum insured. This can either be insured under the so-called flat-rate system or by the court system. In the flat-rate system places all of the cars included in the insurance. In the user system are only insured the places that were previously included in the contract, for example, only the courts of the driver and the passenger.

20 Mar 2012

Compare Auto Insurance - Drive Safely

The importance of auto insurance to obtain or auto insurance can not be overstated. Experts usually recommend that you buy an insurance policy or renew the old well ahead of the expiry of your old auto insurance policy. People generally prefer to renew their old car insurance policy, but is that the thing most optimal or advantageous to do? In most cases it will not be the best thing to do because insurance rates are constantly changing. So why do people renew their insurance policies older when they could save substantial amount of money buying new? One possible explanation for this behavior is that the whole process of finding and comparing insurance quotes is frustrating for most people. However, if you want to increase your savings substantially then compare car insurance quote to find the best or lowest.

You are strongly advised to seek new bids or insurance rates at least one month before your current insurance policy expires. The time factor is very important because sufficient time before the expiration would certainly help you find the lowest prices implied. Suffice it to say that you should have enough time to find better insurance rates on the market. In addition, it is pertinent to note here that the common mistake people make when they compare car insurance in various companies. Insurance policies must always be compared, even on the terms and conditions of unequal ever, because it would point to any theoretical comparison.

In this regard, a better idea would be that you consider your current deductibles and other things like the cover when you compare it with quotes obtained from other companies. After initial comparison, you will be able to know if you pay extra money for the insurance company or not. It is also worth mentioning here that you should try and see variations in insurance rates so you save the maximum amount of money on your auto insurance news. In addition, you should compare auto insurance quotes, not estimates or otherwise you could end up wasting your valuable time.

The main objective behind comparing insurance rates is to get the lowest rates obviously. However, there are certain ways as well through which you can reduce insurance rates and so it is important for you to be aware of them. In this regard, safe driving is the means to ensure the high premium and low cost of insurance. This article is not a preaching conference or something, but the monetary benefits of driving safely can be ignored during the comparison process. In this context, your driving record says all that insurance companies need to know. In addition to his driving record or history, deductibles are another important aspect that needs attention when you compare car insurance. It basically depends on your financial capacity. Your premium will be significantly lower if deductibles are quite high. So what are you waiting for?