Month: February 2009

Things To Consider When Comparing Car Insurance Rates

You’re getting a new car! Maybe it isn’t brand spanking new, but that’s okay. It’s your new baby and you love it. Now you need to get insurance on it. You plan to shop around, getting several quotes good going! Comparing car insurance rates is the best way to know you’re getting the right price for your new baby.


While Shopping For Quotes

Be accurate and honest. Don’t try to fudge answers chances are, the company will find out anyhow, and then it will cost you more. Just assume they’ll pull your driving record (they will) and your credit report (they can) and let them know about any tickets or accidents. Be sure to declare all potential drivers in the household even if you don’t want them insured on the policy, the company needs to know they exist. (For example, your teenage son who doesn’t quite have his license but knows where the keys to the Camry are kept.) If your information isn’t accurate and you have an accident, there is a chance they won’t have to pay after all, depending on the circumstances.

Keep the information you give the car insurance companies consistent. Comparing rates is impossible if they’re based on different information! Decide what level of coverage you want for everything, and then ask each company the same. If you ask for a certain level of coverage with one company, ask the same from all of them. If you put rental car coverage on with one company, do the same with the others. To compare car insurance rates, they need to be for the same product.

Once You’ve Got Quotes To Compare

Be sure you’re comparing apples with apples. Regardless of what you think you asked for, double check to see if that’s what coverage your car insurance rate is for. Compare the numbers. If you said you wanted 100/300/100, but sure they are all that amount. Not only is it only fair to be comparing the same car insurance rate product, but also you need to know that you got the level of coverage you said you wanted.

Consider the individual companies. Some companies are known for their excellent customer service. Is the one you’re considering? You can check the reputations of car insurance companies online there are sites where customers can give their feedback on their treatment by the car insurance companies.

Think about the easy of contacting each company. If your favorite company doesn’t have an online presence, and all bill must be mailed in, will you be okay with that? Many people enjoy the ease of having their payment come from their checking account directly each month they almost don’t have to think about it at all, as long as there’s enough money kept in the account. Or maybe you enjoy the personal touch of an agent you can call with any questions. If so, you probably wouldn’t like the cold distancing of an online car insurance company. Comparing rates is not the only thing to consider as you shop for car insurance.

Halloween Craft Ideas For A Fairy Theme

A fairy theme is a great theme for Halloween. There are many different Halloween craft ideas that are appropriate or even great as decorations for a fairy theme. A Halloween craft idea for a fairy party will need some planning. The plans can be extensive or simple, depending on how much you are willing to spend for the party. Any kind of Halloween craft idea can help to ease the expenses.

Plans

Easy Halloween craft ideas can be seen in magazines and decorating books. These crafts usually use things that are easy to procure and the crafts are usually easy to make. Before anything else, there should be plans regarding how you intend to use them.

Fairies are usually seen as light creatures that twinkle and are dainty. Putting up light gossamer cloth that drop from the ceiling to the ground or even just a little more than halfway will create the illusion of a fairyland. You can add your Halloween craft idea to the see through cloth by using a glue gun to glue sparkling sequins or rhinestones unto it to help with the illusion. Wisps of organza ribbon can also be added to the floating cloth at the sides or the center to hang from the ceiling and downwards.

The color of the cloth, maybe thin chiffon or organza, should be several shades lighter or darker than the ribbons floating down. This Halloween craft idea can be repeated several times in the area for maximum effect. Flowers can also be the ones added to the gauzy cloth or organza for a more fairyland effect since fairies are supposed to live in flowers. The falling or floating ribbons can also be adorned with smaller rosettes or daisy like flowers for a garden effect. You might like to use silk flowers or paper flowers for this Halloween craft idea.

Other Halloween craft ideas for a fairy wonderland are decorating the walls with vines and then gluing flowers and leaves on these vines. The vines can be left to hang or be artistically secured on the wall with the glue gun or something stronger if the vines are heavy. This Halloween craft idea may be difficult for children to achieve if they need to put up the vines along the walls. Children can help decorate the vines before they are put up.

Other Halloween craft ideas for a fairy theme are to put up butterflies, either fabric or print outs stuck to cardboard, from the ceiling. The fabric butterflies can also be placed randomly on tables, chairs and centerpieces if there are any.