7 Ways to Lower Your Arizona Auto Insurance Price

Has the price you are paying for Arizona auto insurance gotten out of hand? In 2007, Arizona was ranked #13 in the country for the most expensive state for auto insurance. Many people feel that they are spending too much money on car insurance, but they are not sure what to do bout it or if anything can be done about. There are a few things that can be done to lower your auto insurance price.

1. Raise Your Deductible: By raising the deductible on your auto insurance policy, you can lower your premiums and save yourself some money on your car insurance bill. You will need to make sure that you can cover the deductible amount if you were to ever get into an accident.

2. Eliminate Unnecessary Coverage: Take a look at what you are paying for on your policy and eliminate any unnecessary coverage. Make sure you still have at least the state’s minimum requirements covered on your policy. The Arizona state minimum requirements are as follows:

$15,000 Bodily Injury Liability per person
$30,000 Bodily Injury Liability per accident
$10,000 Property Damage Liability

3. Take a Driver Safety Course: You could save yourself some money on insurance costs by taking a driver safety course as many insurance providers will offer a discount for completion of an approved course. Check with your car insurance company to see if they offer this discount to their customers. The Arizona National Safety Council offers AZ residents courses in defensive driving.

To find out information on courses times and listing contact them:
Arizona National Safety Council
1606 West Indian School Road,
Phoenix, Arizona 85015-5232
(602) 222-3360

4. Raise Your Credit Score: Many insurance companies will factor in a person’s credit score when determining the car insurance rate they will assign them. Insurance companies view people with lower credit scores as a higher risk. By raising your credit score you could lower the costs of your insurance policy. While there isn’t a short term fix for bad credit there are some things you can do to gradually raise your credit score such as paying your bills on time, not opening new and unnecessary lines of credit, and paying off some of your debt. Also, check your credit report and see what is on there. Arizona residents can request a free credit report by calling Annual Credit Report Request (1.877.322.8228).

5. Equip Your Car with Safety Devices: Many car insurance companies will offer their customers discounts for having proper safety features in their car such as anti lock brakes, air bags, and anti theft systems.

6. Know Your State Laws: Did you know that according to state laws in Arizona, insurance providers are not allowed to increase the “premium of an insured as a result of an accident not caused or significantly contributed to by the actions of the insured” ? Knowing the laws that are specific to your state can help you become a wiser consumer and may save you money on car insurance.

7. Shop Around: To find the lowest prices on car insurance it is important to shop around and compare quotes from top insurance companies in AZ.

Some of the top Arizona car insurance companies include:

Allstate:
3003 North Central Ave.
Suite 1110
Phoenix, AZ 85012

Liberty Mutual:
2510 West Dunlap Suite 350
Phoenix, AZ 85021

Mercury:
1529 W. Thomas Rd.
Phoenix, AZ 85015

Even if you already have a policy in place, it is a good idea to compare quotes every six months or so to ensure you are getting the best deals available to you on your AZ car insurance policy.

Article Source: http://EzineArticles.com/1651856

Phoenix Arizona Long Term Care Insurance

Why you need to learn about Phoenix Arizona Long Term Care Insurance!

Residents of Arizona pay for health insurance, auto insurance, home owner insurance and life insurance. The already stretched household income pays for a roof over your head, food on the table, and the car payment. You may even be fortunate to stick away some money for retirement. There are miscellaneous expenses such as toiletries, clothing, entertainment and maybe even a movie or two. We are not even mentioning the costs associated with raising children if you have them.

The average household budget is already stretched to the max. How then is it possible to afford even more insurance?

A lot of life is about planning. And planning for the future is a pretty good idea. That is why it is prudent to consider Phoenix Arizona Long Term Care Insurance. Your budget may be tight. How much tighter would it be if you became too sick or injured to work?

There is a product called that can pay the costs associated with a nursing home, assisted living facilities and home health care (a nurse who comes to your home).

Phoenix Arizona Long Term Care Insurance

An injury or illness could cause anyone at any age to need long term care. But generally we think of long term care for the elderly. The cost of a private room in a nursing home is fast approaching $70,000 per year. The average stay in a nursing home is over two years. That’s a lot of money.

For most of us, we want to pass money to family and children. We work hard to have a home and to eventually pay that home mortgage off completely. We throw money into an IRA or 401k and hope it grows substantially.

It’s because of those assets that we should want to consider buying long term care insurance sooner, than later. LTC insurance is very costly in our old years. The premium locks in at the age you buy it, making it a good idea to consider it in your 50’s and 60’s, not later.

A person who buys Arizona Long Term Care Insurance in their 50’s will typically pay LESS than someone who buys in their 70’s, even though they pay premiums for a much longer period of time. That younger person simply locked in a much lower premium (though premiums can rise in LTC policies).

In Arizona, visit this website for a low cost quote on Arizona Long Term Care Insurance: Arizona Long Term Care Insurance [http://www.phoenix-life-insurance.com/], or call (480) 659-0229.

Gary Brown is principal owner of Choice Insurance of Arizona. He has been serving Arizona residents for AUTO insurance, HOME OWNER insurance, LIFE insurance, and LONG TERM CARE insurance for 14 years.

Article Source: http://EzineArticles.com/1178285

The Footprints Of Arizona Home Builders

Arizona is a growing state with a lot to offer current residents, new residents and visitors. Arizona home builders and industry professionals have consistently met the wants and needs of Arizona residents. Arizona’s population increased by more than 200,000 from July 1st, 2005 – July 1st, 2006 (Les Christie, Growth states: Arizona overtakes Nevada); the infrastructure of Arizona is relatively new and is constantly changing to accommodate the steady expansion, one change includes the addition of a much anticipate light rail system. The economy is booming and is enjoying low unemployment and constant growth. Metro Phoenix is the 5th largest metropolitan area in the nation and offers an array of sporting, entertainment and educational attractions.

Arizona has hundreds of beautiful single-family, condominium, custom and active-adult new home communities. Local and national home builders design these communities to include incredible amenities and homes that help afford desirable lifestyles. Many single-family and custom home communities have pools, walking trails, bike paths and large parks. Master-planned communities often include new schools and commercial centers giving residents’ convenient access to everyday wants and needs. Condominium developers also focus on meeting the needs and wants of their residents. Many condo builders rely on an overabundance of attractive amenities to draw home shoppers looking for an urban lifestyle. In addition to the same amenities found in new home communities, condominium projects often have a movie theatre, extravagant clubhouse, concierge service, fitness center and some include a sky lounge. In both cases, home builders and condo developers strive to give their residents, and Arizona, a beautiful home and community.

Traditionally, as new home sales increase, the health of Arizona’s economy increases. New home production and the real estate industry have fueled much of Arizona’s development for many years and provide thousands of jobs statewide. Home builders and their many vendors have helped support thousands of Arizona families. For many other residents, new home production in Arizona has allowed a quality home and thriving community. Home builders have helped build Arizona, and in doing so; they have left an incredible footprint, countless communities and excellent homes.

Article Source: http://EzineArticles.com/773266

Arizona Home Owner Insurance – 10 Easy Tips to Save on Home Insurance

Whether you live in Arizona, or any other state, home insurance is an important subject. While it is imperative that you have home insurance, you also want to be sure that you are getting a great deal on your insurance as well. Saving money is important, so here are ten good tips that will help you save on your Arizona home owners insurance.

Tip #1 – Compare Rates –

One of the best things you can do if you want to save on home insurance is to compare rates of various companies. The easiest and fastest way to compare multiple quotes is to do it online with only one form. Be sure you compare the coverage as well as the price.

Tip #2 – Choose a Higher Deductible –

Something as simple as just choosing a higher deductible can also help you to save. If you think that you can afford a higher deductible if something happens to your home, then a higher deductible can definitely lower insurance premium.

Tip #3 – Insure Your Home and Not the Land You Own –

Many people insure both their home and the land the home is on. Instead of insuring both your home and the land it is on, insure only your home if you want to save.

Tip #4 – Buy Multiple Insurance Policies from One Company –

Purchasing various policies from the same company will help you save money. Usually if you purchase more insurance policies with one company, you will be eligible for a discount on all policies you hold with the company.

Tip #5 – Take Inventory of Your Possessions and the Amount of Coverage You Have –

Each year you need to take inventory of your possessions and how much coverage you have. You may find that you have more coverage than you really need. Lowering the amount of coverage when you don’t need it will save you money.

Tip #6 – Consider the Cost of Insurance before Purchasing Your Home –

If you are planning on purchasing a home in the near future, one thing to keep in mind is the cost of home insurance. You may want to choose a home that will not break your budget.

Tip #7 – Protect Your Home against Disasters –

If you check with your home insurance company, more than likely they will be able to give you some tips on protecting your home against disasters to save money. Some of the things you may be able to do to protect your home include using better roofing materials, adding storm shutters to your home, or reinforcing it against earthquakes.

Tip #8 – Add more Security Features to Your Home –

Security is important to the safety of your home and your family. By adding burglar alarms, fire alarms, sprinkler systems, and other types of home security, you can save money and provide more safety for you and your family.

Tip #9 – Keep Your Credit Looking Great –

Believe it or not, if you have bad credit, you are going to end up paying more for home insurance. Work on improving your credit by paying all of your bills on time.

Tip #10 – If You Smoke – QUIT! –

There are some home insurance companies that may charge you a surcharge if you smoke, so just taking the initiative to stop smoking can help you save.

One of the best and fastest ways to save on your home insurance is to compare multiple quotes on Arizona home owner insurance [http://www.arizona-home-owner-insurance.com]. If you would like to read more articles on Arizona home insurance [http://www.arizona-home-owner-insurance.com/articles.html] please visit www.arizona-home-owner-insurance.com [http://www.arizona-home-owner-insurance.com].

Author: Greg Matt

Article Source: http://EzineArticles.com/753322

Arizona Schools Above Average For Less Money

Arizona Schools are slightly above average and that is pretty good news. When Superintendent Tom Horne released the state’s 2006 report card, it was with the news that Arizona Schools are usually placed either average, or slightly above, on indicators used to compare schools nationwide. The college entrance exams, the SATs and ACTs, and the National Assessment of Educational Progress (NAEP) all place Arizona Schools in the upper half of the nation’s public schools.

What’s even more interesting is that Arizona Schools are reaching this above average status while spending less money per pupil than every state except for Utah. Superintendent Tom Horne has stated that increasing state spending to the national per pupil average would propel Arizona Schools into the top ten. The state has yet to approve that funding.

According to numbers from Education Week magazine, Arizona Schools spend $6,010 per pupil annually. Compare this to the top spender New Jersey with $11,269, mid-ranker Virginia at $ 7,751, and bottom-of-the-barrel Utah at $5,132. The fact that Arizona Schools still manage to achieve above average rankings indicates that Horne could be correct in his assumption. Studies have shown a positive correlation between a state’s per student spending and its achievement. Arizona Schools appear to be doing something right.

That’s not to say that all is rosy with Arizona Schools. Student results on the statewide AIMS test consistently report passing rates of 70% or less. While this places Arizona schools squarely in the “expected performance zone” of the NAEP index, the numbers fall apart when looked at by race and ethnicity. Passing rates drop to about 60% for African-American students, 50% for Native American students, and 40% for children of migrant workers. When assessed using the national Adequate Yearly Progress (AYP) marker, 1,249 of Arizona Schools passed, while 608 did not reach their goals.

Concerns over the achievement gap effect the nation, as well as Arizona Schools. Where Arizona Schools has a special concern is in the area of educating children who do not speak English as a native language. Funding for English Language Learner (ELL) programs have come under heated debate as the nation battles over border control and immigration policies. Whether complete immersion is providing non-English speakers with the skills to succeed, if and how to pay for children of undocumented immigrants, and instruction time devoted to these students are all topics of heated debate in Arizona Schools.

Some legislators feel that the state should not foot the bill for what they see as the federal government’s inability to enforce immigration laws and border control. Others insist that those issues don’t take away the state’s responsibility to meet the educational needs of every child in Arizona Schools. Given the state’s above average rankings (21st on the NAEP) in many areas despite concerns over minority and immigrant education, it will be interesting to see if the state does fund higher per pupil spending for the coming school year. And if Arizona Schools do make a higher investment, it will be exciting to see the results.

Patricia Hawke is a staff writer for Schools K-12, providing free, in-depth reports on all U.S. public and private K-12 schools.

Article Source: http://EzineArticles.com/592195

How Does Automatic Transmission Change Gears

As drivers, we know how the transmission works: we push the clutch in, change the gear and then continue driving normally. Manual transmission also teaches us how to perform clutch control without stalling or rolling on an incline. So how does an automatic car change gears?

There are more parts in this system that makes it a more complicated system. An automatic car has something called a torque converter. For the car to move forward, whether manual or automatic, torque is needed for the initial momentum.

The torque converter is a fluid link where its job is to connect the engine to the transmission and the transmission to the driven wheels (Front Wheel Drive or Rear Wheel Drive).

The engine is connected to the transmission in a bell housing. This is where the torque converter is. The transmission also contains something called planetary gear sets which provide different gear ratios.

The engine’s flex plate is also connected to this torque converter. So the torque converter basically takes the place of a clutch in an automatic car. When the crankshaft rotates it also rotates the converter. This is how the torque converter will disconnect and connect the engine’s power to the load being driven.

The torque converter has main components that make automatic transmission successful. These include:

  • The impeller – connected to the engine which is responsible for driving the turbine using viscous forces on the transmission fluid.
  • The turbine – connected to the transmission input shaft that sends the torque force to the transmission.
  • The stator – which sits between the impeller and the turbine. It lessens churning losses.
    The lock up clutch.

During the compression of the fluid it returns from the turbine that works against the impeller and its rotating movement that also acts on the engine.

The stator redirects the fluid so that the majority of the velocity gets driven towards the impeller which then adds to the torque produced by the motor. It can only rotate in one direction if the impeller and turbine are moving at the same speed. Stators do not apply torque when on a highway, only when coming to a stop or accelerating.

A planetary gear set consists of a sun gear and planet gears which rotate around the central sun gear, like our solar system. A planet carrier gear connects the planet gears with a ring gear that meshes them. The planetary gear set prevents certain components from moving when using clutches and brakes. This alters the input and the output of the system that changes the overall gear ratio.

Depending on which component is fixed it will determine the final gear ratio. If a ring gear is stationery or fixed, the ratio will be shorter than if the sun gear is fixed or stationery.

Brakes Noises Solutions

There will come a time whilst you are driving that you will have problems with your brakes. You might not notice it immediately but once you start to hear the noises, know that there is something wrong.

First thing’s first. Slowly pull over to the side of the road as soon as you start to hear these noises. Make sure that you keep a good distance from the road in case you have a flat tyre instead and need to change it.

These are the different noises your brakes make that you should be fully aware of:

Grinding – grinding is usually the sound of two metal pieces rubbing together. So know that this means that you have a severely damaged brake pad. Without a brake pad, there is nothing that is stopping you safely. It is recommended that you do not continue to drive as it could prevent you from stopping at a traffic light.

Knocking from the rear – this constant annoying sound you hear when applying brakes indicates that there is a problem with the rear drums. There could be a possibility that the brake or rear drum has been resurfaced which is causing that knocking sound. Fixing this problem can be done by yourself but it would be wise to get a technician to fix it.

Squeaking – this is a sign that wear has been done to the brakes. If not fixed it could be dangerous to you. The squeaking sound is usually caused by a wear indicator. This lets the driver know that wear is being detected. Make sure that you get the brakes replaced immediately. You can still drive a good distance before being in danger but make sure that they get replaced soon.

If you are aware of the problem whilst you are driving and know that the problem is dangerous to you and other drivers make sure that you switch your hazard lights on and drive slowly and calmly. If your brakes don’t work at all, release the accelerator and slowly move into the side lane. With the car losing momentum you will eventually come to a stop. Engine braking will also assist the car to slow down. Engine braking is achieved by gearing down.

When you are close to coming to a stop, pull up the hand brake slowly so that your wheels don’t lock up thus making you swerve around dangerously.

The Mercedes Tuning – What Are The Reasons To Tune Your Vehicle?

We are very well aware of the shooting fuel prices in the market. Hence, it is crucial to tune your Mercedes, so that it delivers great mpg. There are many reasons of the Mercedes tuning like better acceleration, enhanced torque, great economy, more power, healthier engine etc.

We have seen rapid growth in the technology in the field of automobiles. The super chip tuning technology is developed especially for the premium cars like Mercedes. The tuning is efficient for both the petrol and diesel version of car. It will ensure that your car gives best performance without any hassle.

Importance of tuning

Once the vehicle is tuned, it will reduce the emission and improve the performance by 15%. It is quite obvious that tuning will help your vehicle in multiple ways. However, you must tune the vehicle timely to avoid any inconvenience. The experts recommend visiting to the mechanic once in three months. The professionals will make sure that none of the part needs repairing.

As the fuel prices have increased, so does the dependency on vehicles. It is crucial to keep your car in good shape. If you maintain the car properly, then the car will run efficiently for long years without any hassle. Else, it would require regular repairing that will ultimately lead to lower mpg and reduce the performance.

What to consider while tuning the exhaust system?

The exhaust system of the Mercedes includes a front pipe, exhaust manifold, catalyst converter, silencer, exhaust tip and tail pipe. While tuning the system, muffler is the easiest to deal. The professionals will replace the stock muffler with high performance muffler.

As a result, you will get a free flow exhaust system. You must keep in mind that the inlet and outlet pipe of the muffler is of the same size as front and tail pipe. Check out the diameter of tail and front pipe. They must have same dimensions for better performance. Other terms of the exhaust system is a little complicated to understand. You must have knowledge of the engine’s power band, exhaust back pressure and usable RPM.

If excessive pressure is produced by the system, then it will have a negative impact on the performance of the engine. This will restrict the flow of exhaust gases. As a result, the engine will be inefficient to expel exhaust gases. Ultimately, it would lead to much reduced engine power.

Dos and the don’ts

Make sure that you never attach pea-shooter instead of the exhaust system to the engine. You must also not install a 10 inch wastewater pipe. In case the exhaust pipe is big enough, then it will lead to much reduced flow velocity of the gases. You have to keep in mind to get the exhaust back pressure perfect.

While tuning the exhaust system, the professionals aim to increase the power of the engine by the right exhaust tuning.