“Certain events can affect the price paid on car insurance. To avoid surprises, drivers are recommended to compare online car insurance quotes once at every six months,” said Russell Rabichev, Marketing Director of Internet Marketing Company.
Los Angeles, CA (PRWEB)
June 27, 2020
Compare-autoinsurance.org has launched a new blog post that explains when drivers should check the car insurance market and use online quotes
For more info and free quotes, please visit https://compare-autoinsurance.org/when-its-recommended-to-check-car-insurance-quotes-online/
The car insurance rates paid by a driver can be affected by certain events. In some cases, drivers will pay less on their insurance premiums, while in other cases drivers will have to get out more money from their pockets.
Drivers are recommended to check the insurance market in the following situations:
Their credit score changed. In most states, the insurance companies are allowed to take the driver’s credit score into consideration when determining the premiums paid by them. The insurance companies may claim they found a correlation between the credit score and the chances for a claim to be made. For this reason, drivers with bad credit scores will pay more on insurance, while the ones with good credit scores will pay less.
- State’s laws have changed. Each state has its own car insurance laws and requirements. These laws and requirements can be changed at any time, so it’s important for drivers to inform themselves about these changes in a regular manner.
- The policyholder has maintained coverage. New drivers and drivers that have long coverage lapses are considered high-risk drivers by the insurers. To pay less on their premiums, these types of drivers will have to maintain coverage for at least six months.
- Major life events. Getting married, moving to a better neighborhood, or buying a safe car can lower the price of insurance paid by drivers. However, drivers that are getting divorced, moving to a high-crime neighborhood, or purchasing an unsafe vehicle, will have their insurance rates increased.
- Renewal time is getting close. Rival insurance companies will try to lure drivers that have only several weeks until their car policy expires. To do that, they are ready to offer significant discounts. Drivers are recommended to analyze all the factors involved before switching insurance carriers. Policyholders will have to weigh the gains and losses if they decide to make this move.
For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/
Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.
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Can Apple’s ‘Path’ Program Really Help You with Your Credit?
Among the many new Apple announcements, one very interesting and impactful revelation has flown under the radar – Apple has a program to help you improve your credit.
The tool is called Path to Apple Card, and it was created for a very specific purpose: to aid people who failed their credit check when applying for an Apple Card, so they can get the Apple Card later with better credit.
If you were denied your Apple Card application for bad credit reasons, you probably have a lot of questions about this Path program – like “Does this really work?” and “How does this affect my overall credit score?”
Well, Path to Apple Card certainly isn’t for everyone, but for Apple fans with middling credit who need a little help along the way, it could be a good option for improving their financial situation – and, of course, finally getting that Apple Card. Here’s everything you need to know.
Path is a monthly program that’s run by Goldman Sachs, the financial firm that manages Apple’s credit checks. It can last up to four months, at which time you apply for the Apple Card again with a greater likelihood of getting accepted (it’s not guaranteed, but the program is designed to make it happen). Along the way, you take certain steps to improve your credit with good financial decisions and avoid making mistakes that would lower your credit further. At the end, you are invited to apply for the Apple Card once more, and Goldman Sachs runs another credit check.
Starting the Program
First you need to see if you can opt into Path – and this is not guaranteed. When your application for the Apple Card is first declined, Goldman Sachs will run an automatic review of the financial information you provided.
If it looks like your credit is right on the line where a few months of good financial habits will push you over into qualification, then you will get a message about enrolling in Path to Apple Card.
If it looks
like Path can’t really help your financial situation, then your application
will be declined and you won’t get a message about the program.
Path is designed to last for four months. At the beginning of the program, and the end of each month, Goldman Sachs will provide a report detailing the specific steps someone in your situation should take to improve their credit, and how they’re doing so far. Common steps to take are largely practical, and may include:
- Paying balances and fees on credit cards and other lines of credit.
- Making timely loan payments for any debt-based on assets (mortgage, auto loan, etc.).
- Resolving past-due balances on things like student loans, car loans, etc.
- Avoiding opening any new lines of credit.
- Avoiding foreclosures and other types of repossession.
Note that some debts, like medical debts, are excluded from the equations. You can opt-out of the program at any time while you are in it.
Reapplying for the Apple Card
At the end of the Path period, if all goes well, you will be invited to reapply for an Apple Card through the program. This invitation lasts for 14 days, during which you must apply before your Path consideration ends.
Note that being part of the Path program does appear to improve your chances of being approved specifically for an Apple Card, and if you wait for the two weeks to lapse you will be judged by more standard (and presumably harsher) criteria.
invitation to apply is not a guarantee. You can follow all the suggested
guidelines and still fail to be approved. This may happen if your monthly
income has decreased while in the program, or if you got a new credit card,
Comparison to Alternatives
How does Path
work as a general credit improvement program? Well, it’s very nice that you get
a personalized report each month with advice on what actions you should take
based on your financial profile. But Path only lasts up to four months, and
doesn’t have anywhere near the depth of a real credit and finance management
If you’re looking to really make a long-term difference in your finances and build up your credit score permanently, we suggest using Credit Karma, or possibly Mint’s acclaimed budgeting and credit app. These will be much more useful for making drastic changes. Of course, they won’t help you get an Apple Card directly, but indirectly they can improve your credit until you’re in a position to choose a new credit card that’s right for you.
Path to Apple Card is not for those who are truly struggling with poor finances and bad credit – a nonprofit financial planner or a more in-depth credit management app is a better choice in those cases. But for people who just need a minor credit boost and some helpful advice on how to do it, Path can be a win-win: a way to improve your credit all around, while also finally qualifying for that Apple Card you want.
Car Subscription Australia: How to Choose a Car Subscription Service
In uncertain times, you might think differently about things. For example, instead of buying and owning a car, there’s a chance you could have recently searched ‘car subscription Australia’, only to be confused at what is out there in the car subscription service space.
That’s understandable – car subscription is a new idea, a new way of thinking about essentially paying to borrow a car long term and being able to swap cars if your circumstances change. Or, if you don’t need a car anymore, to simply return it without having to worry about the fuss of selling the vehicle.
So what is car subscription? How does it work? What type of person would it suit? How long has it existed? Who invented it? These questions will be addressed in this article, where we take a look at the pros and cons of car subscription, and – perhaps importantly for those out there who aren’t quite sure it’s the right solution for them – we’ll look at car subscription vs buying and car subscription vs lease.
What is car subscription?
If you’ve ever paid to watch a movie using your Apple TV or Google Chromecast, this concept will be easy to understand: you pay to borrow the movie instead of buying a DVD from a shop and keeping it at home as a possession, while only watching it every now and then – if that.
With car subscription you simply pay to use a car for a period of time. And the price you pay to subscribe includes all the costs you don’t want to have to deal with when you own a car – servicing, insurance, roadside assistance, registration and depreciation.
Car subscription allows users to subscribe to a car to use – and typically, the best plans offer monthly vehicle use periods, allowing you to either keep the car you have, or return it if you don’t need it. Or, if you need to swap from a city-friendly hatchback to a seven-seat SUV, some subscription services allow you to do that, often at an extra cost.
Are car subscriptions available in all locations? Sadly, not yet. The idea is pretty new to Australia, with a number of services launching in recent years. They include Carly, Carbar, Hello Cars and Blinker (which lots of people think is actually called Blinkers!), and you can find them online or in the app store.
Depending on your location, you might have access to one, some, or all of these services. Simply search ‘car subscription’ plus the name of your city, be it Sydney, Melbourne, Brisbane, Perth or somewhere else, or just type in ‘car subscription near me.’ A lot of these services are in their infancy, so you might not have access to one depending on where you live. Keep that in mind.
Globally, car subscription has been around a while longer. The first service was apparently established in Hawaii about a decade ago. It’s come a long way since then, with luxury car brands now getting in on the action: Volvo has its own plan called Care by Volvo, and that will be launched in Australia in 2021. While in Europe, Jaguar Land Rover has recently launched Pivotal, a subscription service that could allow you to switch between an electric car for urban duties, or an off-roader for adventure times.
Who does car subscription suit?
Essentially, if you’ve thought to yourself: ‘I’d love to be able to drive rather than take public transport,’ then car subscription could be for you.
Further to that notion, it could suit just about anyone who thinks they need a car at some point in their lives. You might be the sort of person who only uses a car occasionally, travelling to friends’ places or back home to the country.
Or you work as a contractor and need to get to an office over a three-month period. Or you’ve got a family SUV and just want something smaller for your grown children to use because they keep stealing your wheels.
Pros and cons of car subscription
The pros are pretty clear: you don’t have to pay a huge lump sum for a depreciating asset, and the costs of ownership are all taken care of. That’s the biggest advantage.
Other ticks for car subscription include the fact you can change cars if your needs or requirements shift. You can also cancel your plan if you don’t need a car anymore. And while you don’t ‘own’ the car you subscribe to, you don’t have to share it with anyone else – which could be a reason you’d choose a subscription service over a car share service like GoGet.
There are a few cons, though. The subscription service mightn’t have the car you want or need at a specific time. You mightn’t be able to access a service at all, based on your location. The costs can be quite high, so you need to make sure you’re actually getting your money’s worth. And there can be rules around letting other people drive the car, too.
Car subscription vs buying & lease – how do they compare?
If you’ve ever bought a car outright, you know you need a wad of cash to get the car in your driveway. That’s not going to suit everyone’s budget.
Likewise, if you’ve financed or leased a car, you need to know you’re going to have guaranteed income to be able to cover the payments for the period of the lease or car loan. Miss payments, and your car could be repossessed, leading to a bad credit rating.
But with car subscription, there’s no huge buy-in cost, and you can get out at any time. That’s part of its appeal – some providers offer no deposit subscription, and there are even some that have a no credit check policy prior to approval. That could be heaven-sent if you’ve got a chequered history with past payments.
Then there are other elements to consider when weighing up a subscription vs buying or a subscription vs lease. Only a car subscription allows you to change cars easily, and some subscription services also offer delivery and collection of your car when you sign up or finish with it.
Plus, if you happen to be in an accident, you’ve got a guaranteed loan car from most subscription providers.
How much does a car subscription cost? What types of cars are available to subscribe to?
That depends on the provider, the terms and conditions, and the type of car you need. Bigger vehicles or more luxurious models will cost you more to subscribe, as they cost more to buy.
To give you an idea, Carbar offers something like a 2016 Kia Cerato sedan for $139 a week. Think you want an SUV instead? Consider a 2019 Mitsubishi ASX or 2018 Subaru Forester for $189 a week. Want seven seats? You could get a 2018 model Toyota Kluger for $229 a week. Got posh tastes (or just want to impress someone?) Maybe a 2019 Jaguar F-Pace could be your go, but it’ll set you back $429 per week.
Just for balance, you might want to check out what Carly has on offer. You could get a 2015 Holden Barina for $133 a week or do your bit for the environment and get a hybrid Hyundai Ioniq 2019 model for $287 per week.
Or maybe you want to subscribe to a car to allow you to drive for Uber or Ola – check the terms and conditions of your subscription contract before just assuming that’s okay! – and a 2018 Toyota Camry for $336/week could be perfect for you.
The above prices are indicative and may not be correct at the time you’re looking for a car, and that’s the thing: prices vary between providers, and so will the stock available to you.
So, you might be desperate for a seven-seat SUV for an upcoming family trip – but you can’t get one. That’s a pretty sizeable downside.
Plus, most subscription services don’t offer you a brand-new car. If you’re after that new car feel and smell, you might not get it – there are near-new models on most of subscription site listings but expect to pay more for a newer car than you would one that’s older.
How many different car subscription services/companies are there in Australia?
There are several reputable subscription providers out there for you to shop between – provided the service is offered in your area. The ones we’ve already mentioned include Carbar, Carly and Hello Cars.
Blinker works a bit differently – you can visit a dealership and see what stock is available, then choose a car and pay as you drive. Other options include Motopool and Popcar.
The subscription plans vary by provider: some require you to pay a joining fee, others don’t; some will deliver and collect your car, others won’t; some offer short-term cancellation, others require up to 30 days’ notice.
You really need to make sure you’re getting the right car and the right subscription plan for you, so make sure you do your research.
Not sure you want to commit to a car subscription? You could try a car sharing service first. Take a look at GoGet, or Car Next Door – both of which are run differently to the ‘regular’ subscription services.
How do you choose the best car subscription service to suit your needs?
First off, consider your location. Search ‘car subscription near me’ or ‘car subscription’ and the name of your town or city to see if you can access a car subscription network. That’s a crucial step.
If you’ve got plenty of options available to you – if you live in Sydney, Melbourne or Brisbane/Gold Coast, this could be you – then it’s simply a matter of seeing what’s available to you. But again, be sure to read the terms and conditions to see what you are – or more importantly, are not – allowed to do with the car while it’s in your possession.
77 hospitals that received $5M to $10M in PPP loans
Hospitals with fewer than 500 employees and medical offices were among the top recipients of Paycheck Protection Program loans from the federal government, according to data released July 6 by the Small Business Administration.
The data only includes companies that received loans of more than $150,000. The White House said that more than 86 percent of the loans were for less than $150,000, so the data reveals just a snapshot of the companies that received funding, according to The New York Times.
The disclosure comes after lawmakers pressed the White House to be more transparent about the loans, established as part of the $2 trillion Coronavirus Aid, Relief Economic Security Act.
The data puts the funding into ranges, with the top amount being $5 million to $10 million and the lower end of the range being $150,000 to $350,000.
Here is a list of the hospitals receiving $5 million to $10 million, by state.
Note: Some states didn’t have hospitals receiving $5 million to $10 million.
South Peninsula Hospital (Homer)
Mount Graham Regional Medical Center (Saffer)
Bakersfield Heart Hospital
Barlow Respiratory Hospital (Los Angeles)
Central Valley Specialty Hospital (Modesto)
Mammoth Hospital Southern Mono Healthcare District (Mammoth Lakes)
Aspen Valley Hospital
Southwest Health System (Cortez)
Spanish Peaks Regional Health Center (Walsenberg)
Wayne Memorial Hospital (Jesup)
Kauai Veterans Memorial Hospital (Waimea)
Kona Community Hospital (Kealakekua)
Buena Vista Regional Medical Center (Storm Lake)
Delaware County Memorial Hospital (Manchester)
Greater Regional Medical Center (Creston)
Mahaska County Hospital (Oskaloosa)
Montgomery County Memorial Hospital(Red Oak)
Bonner General Health and Hospital (Sandpoint)
Crawford Memorial Hospital (Robinson)
Jackson Park Hospital (Chicago)
McDonough District Hospital (Macomb, Ill.)
Roseland Community Hospital (Chicago)
Touchette Regional Hospital (Centreville)
Decatur County Memorial Hospital (Greensburg)
Kansas Medical Center (Andover)
Newman Regional Health (Emporia)
Labette County Medical Center (Parsons)
Harrison Memorial Hospital (Cynthiana)
Abbeville General Hospital
Mount Desert Island Hospital (Bar Harbor)
Dickinson County Healthcare System (Iron Mountain)
Kalkaska Memorial Health
North Ottawa Community Hospital (Grand Haven)
Scheurer Hospital (Pigeon)
Three Rivers Health
Aitkin Community Hospital
Community Memorial Hospital (Cloquet)
LifeCare Medical Center (Roseau)
Tri County Hospital (Carlton)
Welia Health (Mora)
Cass Regional Medical Center (Harrisonville)
John Fitzgibbon Memorial Hospital (Marshall)
Perry County Memorial Hospital (Perryville)
St. Alexius Hospital (St. Louis)
Community Hospital of Anaconda
Sidney Health Center
Kearney Regional Medical Center
Nebraska Orthopedic Hospital (Omaha)
Androscoggin Valley Hospital (Berlin)
Huggins Hospital (Wolfeboro)
Speare Memorial Hospital (Plymouth)
Artesia General Hospital
Gila Regional Medical Center (Silver City)
Nor-Lea Hospital District (Lovington)
Carthage Area Hospital
Chenango Memorial Hospital (Norwich)
Eastern Niagara Hospital (Lockport)
Erie County Medical Center (Buffalo)
The Bellevue Hospital
Van Wert Health
McBride Orthopedic Hospital (Oklahoma City)
Lake District Hospital (Lakeview)
North Bend Medical Center (Bandon)
Santiam Hospital (Stayton)
North Philadelphia Health System
The Fulton County Medical Center (Mcconnellsburg)
Sana Healthcare-Carrollton Regional Medical Center
Copley Hospital (Morristown)
Grays Harbor Community Hospital (Aberdeen)
Prosser Memorial Health
Black River Memorial Hospital (Black River Falls)
Crossing Rivers Health (Prairie Du Chein)
Reedsburg Area Medical Center
The Richland Hospital (Richland Center)
Tomah Memorial Hospital
Pleasant Valley Hospital (Pleasant Point)
Powell Valley Healthcare
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