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Unread 27th Mar 2010, 03:42 AM   #1
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Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Order Window : OPEN - Updated 10/NOVEMBER/2016
PRICES SLASHED!! -
LIMITED TIME OFFER ONLY - CHECK THE LAST PAGE OF THE THREAD

Premium Quality Articles Now Only For $4/500words!
Basic Quality Articles - $3/500words!



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Services We Can Handle:

BASIC PACKAGE

*LSI Articles - 75cents/100words - Flat Rate!!

*General Articles (Keyword Focused) - 60cents/100words (400 And 500Word Articles)
300words = $2/Article
250word Articles = $2/Article
100word Articles = $1/100words

*Website Reviews - 80cents/100words
*Rewriting -60cents/100words
*Product Reviews - 80cents/100words
*Press Releases - $1/100words
*Forum Postings - 60cents/100words (Anything below 250words is charged at $1/100words - Bulk Discounts Available!!)
*Descriptions - 60cents/100words (Anything below 250words is charged at $1/100words - Bulk Discounts Available!!)
*Sales Pages
*Video Reviews
*Language Translation

PREMIUM PACKAGE - Ezine Money Back Guarantee!

*LSI Articles - $1/100words - Flat Rate!!

*General Articles (Keyword Focused) - 90cents/100words (400 And 500Word Articles)
300words = $2.7/Article
250word Articles = $2.25/Article
100word Articles = $1/100words

*Website Reviews - 90cents/100words
*Rewriting - 70cents/100words
*Product Reviews - 90cents/100words
*Press Releases - $1.25/100words

Note: We will either provide free revisions or a refund, if the article does not get accepted to Ezine articles. Refund will be only made for the article which is rejected - **This is For The Premium Package Only**


BULK ORDER PRICES

Premium Articles

Order 50 x 400word articles - $170
Order 50 x 500word articles - $212


Delivery Time : 7-10 days (If not sooner :] )


Order 100 x 400word articles -
$320
Order 100 x 500word articles -$400


Delivery Time : 12-15 days (
If not sooner :] )

PM me in order to place the bulk order and claim your bulk order coupon!


Difference in Basic and Premium Package?

It's simple! The writers who write our Premium quality articles are Ezine experts, thus this leads to better quality articles. Also articles of the premium package are written by keeping in mind the guidelines of EZA, thus this allows the articles to get accepted at Ezine without any problems.

Now i wouldn't be giving a MoneyBack guarantee, if i wasn't sure would i?

Samples of both, Basic and Premium Packages are attached below. You can check the difference in quality. Also, you can click here and go-to our Ezine authors page to see more samples.

How to Order Premium And Basic Package?
You can order the Premium Package, by clicking here

You will need to PM me to order the Basic Package and i will send you the payment details.

[/COLOR]
[/COLOR][/COLOR][/SIZE][/COLOR]
[/COLOR][/SIZE]
Want To View Our Ezine Expert Author Page? **Click Here!**


Visit Our Website For More Samples - **CLICK HERE!!**

Contact us:
Email : humayun.ad@gmail.com

Instant Messengers:
Gtalk: humayun.ad@gmail.com
Skype : humayun.ad

Feel Free To Contact Me Now!

Our Niche

Since we have alot of writers in our team, we are able to cater all different types of niche! Never worry about whether the niche you require can be handled or not. Just order !

What You Need To Provide?
PM me the details of the content that you require. For instance, keywords, titles, keyword density etc etc and i will tell you what to do next.

Revision Policy
We will provide revisions free of charge.

Refund Policy
IF the articles fail to pass copyscape or if you have problems with the articles, we will redo the articles and make them pass copyscape and match your needs, however if you no longer wish to use our services, you will be provided a refund for the number of articles that didnot pass copyscape.

Payment Through : Paypal, Credit Card and MoneyBookers - All Accepted!!
[B]


Various samples of our writing have been attached in this post, however if you want more, just shoot me a PM and i'll get back to you with more samples.

How To Order?
Simply PM me or leave a POST on the thread along with your requirements, and i'll get back to you with the time and payment details!

**ORDER NOW!**


Review # 1
Originally Posted by cashnow1 View Post

Hemux, You da man!!!

I received my articles, way ahead of the time you said that I would get them. A+++

The articles are very well written. A+++

All 15 articles passed through CopyScape with flying colors A+++

I'm looking forward to doing continued business with you in the very near future.

Thanks, you rock!
Review # 2
Originally Posted by dbankston View Post

I used Hemux's article writing services for 11 articles relating to 3 different topics. None of which were easy niches. He gave me a fair quote, never tried to raise the price, also told me that my articles would be done in 4-5 days (as I ordered on a weekend day). However, to my surprise the following evening (less than 36 hours) I had all purchased articles in my inbox.

The writing quality was excellent and completely on topic.

For the price, speed and quality of service I highly recommend Hemux.

Thank you, Hemux, for the awesome job.

Review # 3
Originally Posted by Mally View Post

I would highly recommend Hemux for any article you need. The service is first rate the price is excellent and the turn around time is no were near what he says. Told me it would be 7 days for my 5 articles, had them in my inbox in less than 2 days from payment.

Outstanding!
Review # 4

Originally Posted by CashResolution View Post

Another Happy Camper. These guys really suprised me. Every one passed copyscape 100% with no drawbacks. Very nice and quick. Will order 50 more soon. Thanks.

Review # 5
Originally Posted by dageniusmarketer View Post

I got the articles in about 3 days. High quality product to say the least. Definitely has my endorsement if anyone is thinking of using his service. Good stuff Hemux.

Review # 6
Originally Posted by Oscar D View Post

I just wanted to let everyone know that I ordered 5 articles last night and this afternoon I received them.

The service was great and I got exactly what I wanted.

I highly recommend this article writing service and I will submit my next order soon.

Thanks [IMG]file:///C:/DOCUME%7E1/HP/LOCALS%7E1/Temp/msohtmlclip1/01/clip_image001.gif[/IMG]

Review # 7
Originally Posted by techmaster456 View Post

I have ordered more than 50 articles and still counting! I don't think you will find any other article writers that are better than these. They write quality articles for my site. They are also available on MSN almost EVERYDAY! Articles are always on time and sent in a organized fashion. I have found my permanent article writers! You can check here for samples Modern and Future Technology News


Review # 8
Originally Posted by E-supreme View Post

Anyone looking for unique articles at a very affordable price...Hemux will definetly sort you out .


Going to be ordering another 10. Took like 2 days for the last 10 it was incredible.

Review # 9
Originally Posted by Upstate Cowboy View Post

Just got my 18 articles. All were well written and passed. I will be ordering again. Thank you for the quick and professional work!

Shane


Review # 10
Originally Posted by conners88 View Post

Ok for my review:

I asked Hemux to send me 5x500 word articles costing me $20 (the cheapest price i have seen around), this was a trial for me to test the quality, speed of service, customer service etc.

I can tell you now that i will be using this service again, the speed of service was exceptional 48hours to write 5 high quality articles (bare in mind how many articles he currently has on order, 48hours is amazing). The articles were well researched and presented in the format i asked for.

The best part of this whole trial was Hemux customer service skills, he did everything he could possibly do to make me a happy customer, and he definitely succeeded as i will be using his service regularly.

To conclude i would recommend Hemux to anyone who requires high quality unique articles.

Review # 11
Originally Posted by BuildItForFree View Post

Got my 50 and am very, very happy! Will be ordering more soon!
Review # 12
Originally Posted by conners88 View Post

I have submitted my articles to various directories including ezine..... i have had no problems what so ever...... i fully recommend hemux and his team as excellent writers.
Review # 13
Originally Posted by virginiad View Post

I received my articles very quickly. They were very well-written with no grammatical errors. They had a lot of good content.

I would highly recommend him to anyone who wants good quality articles

I would like to order 55 more at this time. I will send a PM

Virginia


Review # 14

Originally Posted by Becky Holmes View Post

Hemux,

I was very pleasantly surprised! Articles were very nice and will work great for what I plan on using them for. Passed Copyscape 100% as promised. Not as keyword rich as I'd hoped, but definitely nothing I can't fix myself. Turnaround time was really fast also! I look forward to giving you more business in the future.

Thanks!
Becky


Review #15
Originally Posted by sentient View Post

I got my articles back in about 48 hours, which was great turnaround. They were actually a lot longer than I requested, but I can't complain about that! Pretty well written, with only a couple of adjustments.

Fantastic value for money - I've already placed my second order!

Review # 16
Originally Posted by altesino View Post

I've placed a couple orders and am very happy. Good communication, turnaround always within quoted time if not actually faster!

More importantly the articles of good quality. I've not had any rejected by Ezinearticles.com. And given the price this is a great deal!

I'm now placing an order of 50 articles per week!

Hemux - I just PM an order of 50 so please confirm you received it since you may have a full inbox.

Thanks and keep up the good work!



Contact us:

Email : humayun.ad@gmail.com

Instant Messengers:
Gtalk: humayun.ad@gmail.com
Skype : humayun.ad

Visit Our Website For More Samples - **CLICK HERE!!**


Feel Free To Contact Me Now!





$3/500words - 100% Unique And Copyscape Passed Content!!
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Unread 28th Mar 2010, 08:10 PM   #2
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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I have sent you a PM about some articles i purchased on the 20th.
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Unread 29th Mar 2010, 08:39 AM   #3
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Originally Posted by maverick8 View Post

I have sent you a PM about some articles i purchased on the 20th.

PM has been replied to !

$3/500words - 100% Unique And Copyscape Passed Content!!
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Unread 29th Mar 2010, 08:45 AM   #4
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Hey Humayun,

I see you guys also create P. Relesase.
How long to write a 700 words one?
And do you do P.Release submission?

thanks,

Jacko
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Unread 1st Apr 2010, 10:42 AM   #5
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Originally Posted by Jacko View Post

Hey Humayun,

I see you guys also create P. Relesase.
How long to write a 700 words one?
And do you do P.Release submission?

thanks,

Jacko

Hey there,
The turnaround time depends on the type of website you want the PR on and what requirements you have. Please PM me the details and i'll get back to you on that.

As for the submission service, we only provide Ezine writing + submission service for now However PR writing + submission service might be introduced in the next few weeks

$3/500words - 100% Unique And Copyscape Passed Content!!
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Unread 4th Apr 2010, 08:13 AM   #6
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Just sent you an email with order, look forward to your reply.
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Unread 7th Apr 2010, 09:27 AM   #7
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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How much to write 75 articles, 400 words each, premium package? Do you take all money upfront or part down part when done? How long will it take? And what info do you need write these articles? I am very interested in your services. Thanks.
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Unread 8th Apr 2010, 08:42 AM   #8
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Do you take all money upfront or part down part when done?
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Unread 8th Apr 2010, 11:02 AM   #9
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Originally Posted by kkolhofjr View Post

How much to write 75 articles, 400 words each, premium package? Do you take all money upfront or part down part when done? How long will it take? And what info do you need write these articles? I am very interested in your services. Thanks.
Originally Posted by kkolhofjr View Post

Do you take all money upfront or part down part when done?

Both queries have been responded to

$3/500words - 100% Unique And Copyscape Passed Content!!
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Unread 20th Apr 2010, 09:52 AM   #10
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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The order window is currently OPEN. Please feel free to send in your orders now !

How to Order Basic Articles?

Please PM me the details of what you need, if you are unable to PM, feel free to Email me on humayun.ad@gmail.com along with the details of your order. Once the cost + turnaround time is agreed, you will receive an invoice to be paid.

How to Order Premium Articles?
Simply, logon to our website : http://www.creativecontentwriting.com and click on the order now page and place your order.

Here is the direct link to the order page : http://clients.creativecontentwriting.com/cart.php

If you would like to place an order manually, you can just email me or PM me to discuss the order details.

Difference between Basic and Premium Articles?

Our Premium quality articles are written by Ezine Experts, thus we provide a 100% guarantee about these articles being accepted at ezine. If for some reason Premium articles are not accepted, you can have your money back or get unlimited free revisions.

As for basic content, these articles are of a high quality aswell, but these are not written by keeping ezine requirements in mind.

However please note, whatever category you choose to order from us,
ALL articles will be 100% UNIQUE AND COPYSCAPE PASSED!


How To Order Platinum Articles (Involves writing + submission to Ezine)

This order can be placed through the website or by sending me a PM.

Do remember to select the Ezine submission category if you are ordering through the website.


If you would like to talk to me before placing the order, contact me here:

Email : humayun.ad@gmail.com

Messengers :

Yahoo : humayun_altaf@yahoo.com
MSN : humayun_ad@hotmail.com
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AIM : humayunad

Company website : http://www.creativecontentwriting.com

Ezine Samples:
http://ezinearticles.com/?expert=Humayun_Altaf

The order window is OPEN. Get your orders in now!!!

$3/500words - 100% Unique And Copyscape Passed Content!!
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Unread 21st Apr 2010, 02:41 AM   #11
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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order placed and payment made. please check if you have received. My order number is 5789326781.

Please send me a estimated delivery time too to my email.
Thanks
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Unread 26th Apr 2010, 10:34 AM   #12
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Hemux,

I just PM'd you.

William
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Unread 12th May 2010, 05:57 PM   #13
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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hemux,

I received my order of 10 articles (PREMIUM PACKAGE - Ezine Money Back Guarantee!) and I would like to avail of Platinum Package # 1 of your ezine submission.

Since the articles came from you then if it gets rejected then your team will be the one to rewrite it until it gets accepted. Correct?
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Unread 17th May 2010, 04:47 AM   #14
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Your article writing service is very cheap, but does it really good? I want to try it. Can you contact me via skype: mu-kaimas4700 or email: baier.f(et)gmail.com

Thanks
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Unread 17th May 2010, 08:48 AM   #15
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Just gave it a try and ordered 5 articles.
4KY6835664690933E PP
2506455894 Order N°
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Unread 19th May 2010, 01:31 PM   #16
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Originally Posted by healtheworld View Post

hemux,

I received my order of 10 articles (PREMIUM PACKAGE - Ezine Money Back Guarantee!) and I would like to avail of Platinum Package # 1 of your ezine submission.

Since the articles came from you then if it gets rejected then your team will be the one to rewrite it until it gets accepted. Correct?

Report has been sent to you ! - Thanks


Originally Posted by marlena21 View Post

Your article writing service is very cheap, but does it really good? I want to try it. Can you contact me via skype: mu-kaimas4700 or email: baier.f(et)gmail.com

Thanks
Added you on skype, waiting to hear from you !

Originally Posted by DonKanalie View Post

Just gave it a try and ordered 5 articles.
4KY6835664690933E PP
2506455894 Order N°
Order received and Queued!

$3/500words - 100% Unique And Copyscape Passed Content!!
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Unread 19th May 2010, 06:10 PM   #17
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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I sent you a PM with my order I placed earlier today.

thank you,

Vitaly

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Unread 19th May 2010, 07:15 PM   #18
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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hello if I was to order a batch of articles do they need to be on the same topic.
Or could each article be for a different niche?
I am really new and any information about creating a good keyword list would be appreciated as I understand I would need to supply the keywords for the articles?
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Unread 20th May 2010, 01:43 AM   #19
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Interested in your LSI articles. Does the customer provide the LSI keywords, or do your writers. How many LSI keywords do you add into a 1000 word article?

How do your writers research the LSI words?

Living the Dream...1 site at a time.
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Unread 20th May 2010, 09:23 PM   #20
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Sent an email earlier today
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Unread 31st May 2010, 01:41 PM   #21
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Not fantastic quality articles, but definitely worth the price.
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Unread 5th Jun 2010, 12:56 PM   #22
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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I sent u the email...
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Unread 6th Jun 2010, 11:02 PM   #23
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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can you PM me samples please?
thanks
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Unread 8th Jun 2010, 08:48 AM   #24
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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sent u an e-mail. looking forward to hear from u.

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Unread 22nd Jun 2010, 05:03 AM   #25
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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what is current turnaround time?


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Unread 22nd Jun 2010, 07:53 PM   #26
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Got your email. Could you pm me turn around time for process?

Thanks

Help enough people get what they want .....you in turn will gain what you desire....Learn how to build your list the right way~
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Unread 22nd Jun 2010, 08:27 PM   #27
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Hi,

Is this still available or active? You haven't posted here since a month ago

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Unread 23rd Jun 2010, 05:51 PM   #28
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Hi,

I sent you an email to your gmail account. Will be looking forward for your reply
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Unread 28th Jun 2010, 07:28 PM   #29
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Sent an email for basic order request, waiting for response.

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Unread 30th Jun 2010, 07:34 AM   #30
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Hi,

is this still available? You haven't post fora while. I've also tried emailing you and not rceived a response.

Michael

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Unread 1st Jul 2010, 10:07 AM   #31
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Originally Posted by michaelbeauchamp View Post

Hi,

is this still available? You haven't post fora while. I've also tried emailing you and not rceived a response.

Michael

Yes mate, the offer is still available. We are taking continious orders, please feel free to send in your order whenever you want.

$3/500words - 100% Unique And Copyscape Passed Content!!
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Unread 1st Jul 2010, 09:40 PM   #32
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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Originally Posted by hemux View Post


Yes mate, the offer is still available. We are taking continious orders, please feel free to send in your order whenever you want.

Hi,

I sent you an email. Will wait for your response

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Unread 5th Sep 2011, 02:18 AM   #33
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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1.Cheap Car Insurance for Teens
Purchasing cheap car insurance for your young driver can be a breeze – if you know where to look!
Prom dresses. Football camp. Birthdays. Specifically, 16th birthdays. The upkeep of teenagers’ expenses can be financially disheartening. Fortunately, quality auto insurance is one purchase that parents can find in the bargain bin.
Because young drivers are considered “at risk” drivers, you might think cheap insurance isn’t an option. If you know where to shop, however, you may find a perfectly reasonable price for auto insurance.
1) While you’re on the lookout for your perfect policy, keep in mind that you can probably add your teenager to YOUR auto insurance policy. This will be much cheaper than having your child purchase his or her own policy.
2) Encourage your child to do well in school. Many insurance companies will offer a good student discount on auto insurance. Companies base this reduction on the idea that good students are better drivers.
3) Most importantly, let your teenager observe your good driving habits – they learn by example. If your teenager sees your seatbelt dangling next to the car door, you are giving him or her a reason to ignore it when he or she gets behind the wheel.
While you are bargain hunting for auto insurance, remember to think about the price AND the package. Do not strictly base your purchase on the price tag alone. It is important to know what you are paying for and you want to be sure the policy contains all the coverage you want or need. Consider the amount of coverage you’re paying for. You will be financially responsible for your young driver’s wreck if the policy limit is too low.
You have endless opportunities to find cheap car insurance for your teenager if you take advantage of insurance quoting sites like HometownQuotes. Happy hunting! 2.Sealing the Deal on Affordable Car Insurance
While penalties vary state to state, you can guarantee that driving without coverage will take some clank out of your bank. Uninsured drivers can face a myriad of punishments for merely being stopped and not being able to prove coverage. This fact alone should be enough to convince you to start researching reasonable insurance coverages for your vehicle.
Remember! Your car insurance rate is based on your insurance risk assessment. If an insurance company determines you are a high-risk driver, your monthly cost will be higher than that of the average driver. You CAN remedy this! Let’s take a look at a few things you can do to reduce your auto insurance risk which, in turn, could lessen your auto insurance cost…
1) Purchase home/renter’s insurance from the same carrier as your auto insurance. Some insurance companies offer multi-policy discounts.
2) Always obey traffic laws, specifically the speed limit. Insurance companies take note of your driving record. More speeding tickets = higher risk driver = increased auto insurance cost.
3) Study hard. Insurance companies often reward students with good grades with a student discount.
4) Purchase a vehicle that receives notability for low damageability and increased passenger safety.
5) When given the option, purchase additional safety features for your vehicle. (Air bags, antilock brakes, etc.)
6) Take a driver safety course. A defensive driving class could possibly reduce your insurance rate.
Other things to keep in mind…
1) To the insurance company, plain and simple, you are a set of risks. Anything you can do to decrease your “risk factor” might affect your cost of coverage.
2) Always ask for discounts. Many insurance companies offer deals for safe drivers. If you’re considered less of a risk, they’ll likely reward you.
*Please note that this article is not a professional consultation. This article is for general information only. Always seek specific information from a licensed insurance professional. 3.Auto Insurance Tips for Senior Drivers
Like all drivers, seniors want to get the best rates on their auto insurance policies. What they may not be aware of is that older drivers may present a higher risk than other drivers, usually leading to higher auto insurance rates.
Following a few simple tips and taking these measures will ensure you are getting the lowest rates possible on your auto insurance policy.
1. Avoid more accidents and pay close attention at intersections. Auto accidents involving seniors often occur at intersections. Pay attention to protected left turn lanes with their own arrows and always keep your tires pointed straight ahead when stopped, so that a rear-end accident doesn't push you into oncoming traffic.
2. Follow the flow of traffic and drive at or near the speed limit. Driving too slowly can be just as dangerous as speeding, especially when entering or exiting interstates or freeways. It can also trigger dangerous "road rage" in less patient drivers.
3. Many violations include failure to yield right-of-way, improper turning or incorrect lane changes, so keep current on the traffic laws relating to new traffic designs.
4. Sit high enough in your seat so that you can see at least 10 feet in front of your car, advises the National Highway Traffic Safety Administration. If your car seat does not adjust to allow this, add a cushion. This will make it easier to see pedestrians and bike riders, and reduce problems from oncoming headlight glare at night.
5. Senior drivers can refresh their skills and knowledge -- and get a discount on auto insurance coverage in many states -- by taking a refresher driving course, such as the eight-hour "55 Alive" course offered by AARP. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily.
6. Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort. 4.How Does Credit History Affect Car Insurance Rates?
Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates.
The reason some insurance companies use credit information is because they feel there is a direct correlation between a consumer's credit history behaviors and expected claims that may occur.
Many insurance companies still use your age, driving history, type of vehicle, where you live in determining how much you should pay for your insurance. Therefore, if you have not established a credit history yet, the companies that use credit history may not be best for you.
The companies that do use credit scoring will still use other factors that determine your premium. They will also use your age, driving history, type of vehicle, where you live in determining how much you should pay for your insurance.
If you feel that your credit history is better than the insurer can find, make sure the insurer has your correct name, address, social security number, and date of birth.
Some insurance companies will look directly at your actual credit reports when determining your rate, however most will use what is called an "insurance credit score." An insurance credit score is developed by using statistical techniques and methods to predict the likelihood a consumer will have a higher than anticipated losses. These are similar to what lenders use to predict the reliability of an applicant repaying a loan. 5.Credit History Factors and Car Insurance Rates
Insurance companies use many factors in determining your credit score. Here are some examples of those factors:
. Public records: bankruptcy, collections, foreclosures, liens, charge-offs, etc.
. Past payment history: the number and frequency of late payments and the days between the due date and late payment date.
. Length of credit history: the amount of time you have been in the credit system.
. Inquiries for credit: the number of times you have recently applied for new credit, including mortgage
loans, utility accounts, and credit card accounts.
. Number of open lines of credit: the number of credit cards, whether you use them or not.
. Type of credit in use: major credit cards, store credit cards, finance company loans, etc.
. Unused credit: how much you owe compared to how much credit is available to you.
Your insurance credit score may differ from company to company, as they will use different factors in determining your premium.
Since each insurance company uses different techniques to determine your credit score it is hard to tell you what a good credit score is. Usually a good credit score will result in lower premiums.
Your agent or company is not obligated to tell you your credit score. In fact, they might not even know what it is. All they usually know is that your credit score qualifies you for a specific rate or policy. Some companies also offer better rates under each qualifying tier.
If you feel that there is incorrect information on your credit report, you should tell the credit bureau. The three national credit bureaus are:
. Trans Union (Credit Report, Credit Score, Credit Check or 800-888-4213)
. Equifax (Please Wait For Page To Load or 800-685-1111)
. Experian (Credit Report, credit score and credit check from Experian or 888-397-3742)
Also, tell your insurance company. Do not wait until the credit bureau investigates the errors to contact your insurer. If the errors are big, it can make a significant difference in your premium. Some companies are unable to adjust the premiums until the score is corrected, but it does not hurt to ask 6.How to Find Car Insurance Discounts
Factors you cannot easily change that affect your car insurance rates:
• Your Age
Statistically, drivers under the age of 25 are at greater risk of being in an accident than those over age 25. Drivers between the ages of 50 and 65 generally have the safest records.
• Your Gender
Women are statistically safer drivers (sorry guys).
• Your Marital Status
A married person will pay less than a single person with an identical driving record.
Factors you CAN change that affect your car insurance rates
• Your Location
Where you live and work makes a difference. Folks living in certain areas with little or no traffic are likely to spend less on insurance than those living in congested cities or suburbs because areas with a lot of traffic tend to see more accidents. Some neighborhoods also have a higher rate of vehicle thefts, which can result in a higher premium.
• Your Driving Violations
Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium. Some insurance companies will penalize you for your record for as many as five years from when the incident occurred. However, keep in mind, as your record improves, your premium will get lower.
• Your Vehicle Type
A cheap car will cost less to insure than that status symbol SUV sitting on 24" rims.
• Your Accident Claims
A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents.
• Your Credit History
Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.
• Your Occupation
Insurers have statistically found a correlation between your occupation and risk of filing claims. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day. 7.Keeping Your Auto Insurance Rates Affordable
Do you consider the cost of car insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars.
Four-door cars have a 93% less chance of having a claim related to theft than their sibling two-door cars.
In addition, even though the 2002 Lexus IS 300 gets a "best pick" rating from the Insurance Institute for Highway Safety for its performance on crash tests, previous years' models of the same car are some of the most costly in terms of collision claims. "One of the factors that come into play there is the cost of repairing an expensive vehicle," says Russ Rader, with the Insurance Institute for Highway Safety.
What about safety? You may be surprised at some of the results. For example, the Porsche 911 has a 67% less chance for injury claims than the norm. Go figure. The Mitsubishi Lancer has almost double the injury claim rate over the norm.
Where does your car fit for injury theft and collision? What about your dream car? Consult the Highway Loss Data Institute for more information.
Source: The Highway Loss Data Institute 8.Are You Looking for Auto Insurance Discounts?
Saving money wherever you can is important to all of us. Car Insurance should be no different. Do not assume your insurance agent knows everything about you and your car.
Drivers should take advantage of all discounts that many providers offer, that can significantly reduce the cost of car insurance.
There are discounts for Car Safety features. Certain states will give you discounts for anti-lock breaks. Make sure you know if it is two or four wheel anti-lock break vehicle. Automatic seatbelts and airbags are frequently discounted on your insurance premiums. In most states, a defensive driver class discount may apply. If the principal driver usually 55 years old or older has completed an approved defensive driving class a discount could apply. Keep in mind that most states will only approve this class if it is voluntary.
Some insurers will give you a discount for having multiple cars. In some cases, this will only apply if you have two or more drivers.
Many insurance companies will reward you with staying with the same insurance company for many years without any accidents reported. They will offer you a renewal discount. Some companies honor you with a discount if you had prior limits on your previous policy.
For people who own older cars, it may not be necessary or cost-effective to protect them with collision and comprehensive coverage. By comparing the book value of your vehicle and the premium that the insurer has offered, you may find that it cost as much for the insurance as it does for the vehicle. If the car is worth less than $2,000, you will probably spend more insuring it than it is worth. The whole idea of driving an older car is to save money, so why not get what is coming to you.
In addition, keep in mind that the type of vehicle you buy could greatly affect your premium. A flashy red sports car is usually going to cost more to insure than a mid-sized Sedan. If you chose higher deductible on your Personal Injury Protection or Comprehensive and collision coverage will lower your premium as well. The deductible is the amount of money you have to pay before your insurance company begins paying the rest.
9.Auto Insurance - What's In Your Policy
The value of auto insurance cannot be stressed enough. If you are an uninsured driver involved in an accident, you may face thousands – possibly millions – of dollars in expenses, depending on the severity of the situation.
So you’ve purchased auto insurance. That’s good. Even more important, however, is knowing what that auto insurance covers if you are involved in a wreck or find your automobile broken into.
The basics of auto insurance include liability, property, medical and under/uninsured motorist coverage.
Liability coverage pays for bodily injury or property damage claims to those you are legally responsible for. This coverage takes care of the damage you cause to someone else or his or her property.
Property coverage compensates for damage to or the theft of your car. Two types of property coverage include collision and comprehensive.
Medical coverage is responsible for the treatment of injuries to the driver and passengers of the policyholder’s car. Coverage is provided regardless of whether the individual is a passenger or struck as a pedestrian.
Uninsured motorist coverage reimburses you if you are hit by an uninsured driver. Underinsured motorist coverage provides compensation if the party at fault does not have adequate coverage to pay for your entire loss. 10.Changing Auto Insurance Companies May Be Easier Than You Think
Why change to a new auto insurance carrier?
You need to regularly review your auto insurance coverage to make sure you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it's fairly easy to do so.
How to cancel your old auto insurance policy
Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. Don't just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.
Be sure to get a new auto insurance policy first
Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage. 11.When to Change Auto Insurance Policies
At Renewal
Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!
Anytime:
All auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!
How long does it take to change Auto insurance?
When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued. 12.What Will My Insurance Company do after the Accident?
Q. What happens after I file the claim with my insurance company?
A. Your insurance company will contact you for additional information, such as a detailed account of the facts, or a written or recorded statement. An examination under oath may be requested. As part of the investigation, other drivers and witnesses may be contacted. If you have medical payments or an uninsured motorist claim, you must provide documentation of your injuries, medical expenses, lost wages, et cetera.
Q. What should I do If the insurance company does not contact me?
A. A claim representative should contact you within a reasonable period, usually 24-72 hours after you report the loss. If you do not hear from anyone, call your agent or insurance company for assistance. If they are not responsive, or you believe there is an unreasonable delay in settling your claim, contact the Department of Insurance.
Q. How does the insurance company evaluate vehicle damage?
A. An adjuster or appraiser usually inspects the vehicle. Do not authorize repairs until the adjuster has inspected the vehicle and you are satisfied with the scope of repairs and the repair facility. If the damage is relatively minor, the company may ask you to submit competitive repair estimates.
Q. What will the company pay on a physical damage claim under a standard auto policy?
A. Generally, the company will pay the lesser of the amount necessary to repair the vehicle or the actual cash value (ACV) of the vehicle.
Read your policy to be certain of what is and isn’t covered. Pay particular attention to exclusions. For example, there is usually no coverage for stereo equipment, a telephone, or a citizens band radio unless the equipment was permanently installed by the automobile manufacturer in the normal opening in the dash or console. Coverage is usually available for such special equipment for an extra premium charge. 13.Regarding Auto Insurance - What Is Actual Cash Value?
Actual cash value means the fair market value of your car before the accident. This is the price that a willing buyer would pay a willing seller, neither under pressure to buy or sell.
Your company may survey dealers, value guide books, and private parties for a similar vehicle to approximate the ACV. A computerized market analysis system might also be used.
If you do not agree with your company’s figure for ACV, you may want to do your own survey of dealers and private party sellers in your area. Companies are required to offer a fair settlement. If you can show that your figure more closely approximates the ACV, your company should be willing to negotiate. Your policy may also contain an appraisal provision. 14.Is My New Vehicle Covered?
Most policies provide 30 days automatic coverage for a vehicle that replaces a vehicle already on your policy. The coverage normally is the same coverage you had on your previous vehicle. Notify your broker-agent as soon as possible of any replacement vehicle. If you wish additional coverage, there is usually a requirement that you notify your agent or your company within a designated time period.
Most policies also provide automatic coverage for a newly acquired vehicle that is an addition to the vehicles you already have on your policy. There are usually specific conditions that must be met. For example, the purchased vehicle must be reported to your agent or company within a designated time period (e.g., 30 days) or there may be a requirement that in order for coverage to automatically apply, all of your other owned vehicles must be insured with the company. 15.Life Insurance that Makes Sense
Are you thinking about purchasing a life insurance policy?
Let HometownQuotes help you shop for the affordable life insurance rates you’re looking for.
Term life insurance. Whole life insurance. Universal life insurance. Not sure? It’s okay!
Just take a few minutes to complete our brief life insurance form and we will put you in touch with several insurance agents who can help you choose the best life policy that fits your needs.
Free life insurance quotes are only a few clicks away when you’re shopping with HometownQuotes.
Start comparing today! 16.6 Basic Types of Life Insurance
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.
When you buy life insurance, you want a policy which fits your needs without costing too much. Your first step is to decide how much you need, how much you can afford to pay and the kind of policy you want. Then, find out what various insurance companies charge for that kind of policy. If you compare Surrender Cost Indexes and Net Payment Cost Indexes of similar competing policies, your chances of finding a relatively good buy will be better than if you do not shop.
Six Basic Kinds of Life Insurance
Regardless of how fancy the policy title or sales presentation might appear, all life insurance policies contain benefits derived from one or more of the three basic kinds shown below. Some policies combine more than one type of life insurance...
Use the Links below to read articles that explain each type of life insurance.
Term Life Insurance
Endowment Life Insurance
Whole Life Insurance
Variable Life Insurance
Universal Life Insurance
Variable Universal Life Insurance 17. Whole Life Insurance
Whole life insurance gives death protection for as long as you live. The most common type is called straight life or ordinary life insurance, for which you pay the same premiums for as long as you live. These premiums can be several times higher than you would pay initially for the same amount of term insurance. But they are smaller than the premiums you would eventually pay if you were to keep renewing a term insurance policy until your later years.
Some whole life policies let you pay premiums for a shorter period such as 20 years, or until age 65. Premiums for these policies are higher than for ordinary life insurance since the premium payments are squeezed into a shorter period.
Although you pay higher premiums, to begin with, for whole life insurance than for term insurance, whole life insurance policies develop cash values which you may have if you stop paying premiums. You can generally either take the cash, or use it to buy some continuing insurance protection. Technically speaking, these values are called nonforfeiture benefits. This refers to benefits you do not lose or forfeit when you stop paying premiums. The amount of these benefits depends on the kind of policy you have, its size, and how long you have owned it.
A policy with cash values may also be used as collateral for a loan. If you borrow from the life insurance company, the rate of interest is shown in your policy. Any money which you owe on a policy loan would be deducted from the benefits if you were to die, or from the cash value if you were to stop paying premiums. 18. Variable-Universal Life Insurance
Variable universal life insurance pays your beneficiary a death benefit. The amount of the benefit is dependant on the success of your investments. If the investments fail, there is a guaranteed minimum death benefit paid to your beneficiary upon your death. Variable universal gives you more control of the cash value account portion of your policy than any other insurance type. A form of whole life insurance, it has elements of both life insurance and a securities contract. Because the policy owner assumes investment risks, variable universal products are regulated as securities under the Federal Securities Laws and must be sold with a prospectus.
Rates and coverage vary from state to state. Shop around on your own and talk to an independent insurance agent to make sure you get a plan that's right for you. It's amazing how much rates may vary from company to company for the same coverage. 19.Health Insurance that Helps You Save!
If you’re shopping for affordable health insurance rates, HometownQuotes has the answers you need.
After completing one simple form, you can compare health insurance quotes from multiple agents offering a variety of plans.
The health insurance providers we work with are suited to fit your needs. From individual plans to health coverage for your family or small business, we can match you with an agent who will help you find the low cost, affordable plan you seek.
Let HometownQuotes help you get a group or individual health insurance quote today! 20.Homeowners Insurance You Can Live With
Need to compare homeowner’s insurance quotes? Let HometownQuotes help!
In minutes, we can connect you with multiple insurance agents who will help you find the best, affordable homeowner’s insurance you need.
Getting a homeowner’s insurance quote from HometownQuotes saves you time because our form is brief – only asking basic questions about you and your home. Plus, not only can we help you save money on your insurance, but our service is free! 21.Residential Coverage
Residential coverage protects against damage to or destruction of your residential structure. In other words, if your home is destroyed by a tornado, fire, or whatever your policy covers, the insurance company completely replaces or repairs your home.
In this section of coverage, the most important reason to keep your homeowner’s insurance policy updated is because, in the event of disaster, the insurance company will only reimburse you for what your home is insured for.
For example, you purchased your home and homeowner’s insurance five years ago. It is very likely the value of your home has increased since the purchase date. If you purchased the home insurance policy five years ago and have not updated the policy to the home’s current cost to rebuild, the insurance company will only reimburse you for the price you paid five years ago. So, if you purchased the home for $300,000 and the value has increased to $500,000, you’re losing $200,000 – quite a large sum.
In the end, it is essential to keep your homeowner’s insurance policy updated because you want to be sure your home is insured for 100 percent of the replacement cost. (Some policies automatically update to your home’s current value. Does yours?) While it is easy to let that dust settle over your policy from year to year, keep in mind that putting it aside could cost you much more in the end. Your homeowner’s insurance policy may make heavy reading, but it will be even more burdensome should it be out-of-date.
Free quotes are only a click away for a cheap, basic homeowner’s insurance policy or a broad policy that covers more specific items.
Many HometownQuotes agents offer a discount for homeowners who combine their homeowners insurance with their auto policy. Have you added a home security system? Let your agent know! You might be eligible for another discount.
It’s easy to save money on your homeowners insurance when you shop for a policy with HometownQuotes. 22. Renters Insurance Can Help You Save
Are you renting a home or apartment? Then you need renters insurance!
Insurance coverage for renters is easy to find when you know where to shop.
HometownQuotes helps you compare multiple renters insurance quotes so you can protect the items you value most.
Whether you need home renters insurance or apartment renters insurance, HometownQuotes’ extensive network of agents is certain to find the coverage that will best fit your needs.
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Unread 5th Sep 2011, 02:32 AM   #34
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Re: Copyscape passed content - 100% Unique - As Low as 60cents/100words - Ezine Submission - OPEN!
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1.Cheap Car Insurance for Teens
Purchasing cheap car insurance for your young driver can be a breeze – if you know where to look!
Prom dresses. Football camp. Birthdays. Specifically, 16th birthdays. The upkeep of teenagers’ expenses can be financially disheartening. Fortunately, quality auto insurance is one purchase that parents can find in the bargain bin.
Because young drivers are considered “at risk” drivers, you might think cheap insurance isn’t an option. If you know where to shop, however, you may find a perfectly reasonable price for auto insurance.
1) While you’re on the lookout for your perfect policy, keep in mind that you can probably add your teenager to YOUR auto insurance policy. This will be much cheaper than having your child purchase his or her own policy.
2) Encourage your child to do well in school. Many insurance companies will offer a good student discount on auto insurance. Companies base this reduction on the idea that good students are better drivers.
3) Most importantly, let your teenager observe your good driving habits – they learn by example. If your teenager sees your seatbelt dangling next to the car door, you are giving him or her a reason to ignore it when he or she gets behind the wheel.
While you are bargain hunting for auto insurance, remember to think about the price AND the package. Do not strictly base your purchase on the price tag alone. It is important to know what you are paying for and you want to be sure the policy contains all the coverage you want or need. Consider the amount of coverage you’re paying for. You will be financially responsible for your young driver’s wreck if the policy limit is too low.
You have endless opportunities to find cheap car insurance for your teenager if you take advantage of insurance quoting sites like HometownQuotes. Happy hunting!
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