Several years ago I spoke with a friend who is homeowner claims adjuster. He told me a claims story that turned my stomach.
Someone had moved out of a rental home without informing the property owner.
Unfortunately, they left a dog inside. In Arizona. With no air conditioning.
This dog had literally destroyed the inside of that place - walls, carpet, cabinets. There was no food or water left and it was trapped inside, alone and hungry.
The dog died inside that vacant home. Starved to death. And as the claims adjuster approached the home he said the smell was unbearable.
If a home becomes vacant in your area spend a moment and see if you can tell whether an animal has been left behind. It's the humane thing to do.
Arizona Term Life Insurance
Arizona Auto Insurance
Friday, January 9, 2009
Thursday, January 8, 2009
Arizona Lemon Laws
If you buy a vehicle and find it only gives you mechanical problems, you may qualify for help under the "Lemon" law.
Many states have laws that specify if a vehicle qualifies. These rules generally include, for example, that a manufacturer must provide a refund or replacement for a defective new vehicle when the owner has made four attempts to fix the problem. This includes safety defects (two attempts). Or, if the vehicle is out of service for thirty days within the initial 12,000 - 18,000 miles or 12 - 24 months.
When having mechanical issues as described above - keep excellent records. Document everything you do along the way. If a dealership is unwilling to meet your demands under the Lemon Laws your case may go before an arbitrator, who will ask to see your documentation.
Grand Canyon Quotes
Many states have laws that specify if a vehicle qualifies. These rules generally include, for example, that a manufacturer must provide a refund or replacement for a defective new vehicle when the owner has made four attempts to fix the problem. This includes safety defects (two attempts). Or, if the vehicle is out of service for thirty days within the initial 12,000 - 18,000 miles or 12 - 24 months.
When having mechanical issues as described above - keep excellent records. Document everything you do along the way. If a dealership is unwilling to meet your demands under the Lemon Laws your case may go before an arbitrator, who will ask to see your documentation.
Grand Canyon Quotes
Saturday, January 3, 2009
Credit Tips
Some of the rules concerning credit scoring are changing.
Here are some easy to remember tips:
1) Do not max out your credit card. Your score will be greatly dinged the closer you spend towards your max credit limit. Pay down your card and put some distance between what is owed and your available limit. You will likely see your credit score improve in the process.
2) 35% of your FICO score is payment history. Paying bills on time is crucial.
3) Looking for a 30 year mortgage loan? It used to require a score of 720 to obtain the lowest fixed interest rate. That requirement has risen to 760. The better your score the lower your monthly mortgage payment.
4) Have credit cards with a zero balance? Do not close those accounts. It is believed to be viewed as a positive to have open credit cards with a zero balance. Though some card companies have been known to close older, unused accounts.
Get low cost auto insurance: Arizona Auto Insurance
Here are some easy to remember tips:
1) Do not max out your credit card. Your score will be greatly dinged the closer you spend towards your max credit limit. Pay down your card and put some distance between what is owed and your available limit. You will likely see your credit score improve in the process.
2) 35% of your FICO score is payment history. Paying bills on time is crucial.
3) Looking for a 30 year mortgage loan? It used to require a score of 720 to obtain the lowest fixed interest rate. That requirement has risen to 760. The better your score the lower your monthly mortgage payment.
4) Have credit cards with a zero balance? Do not close those accounts. It is believed to be viewed as a positive to have open credit cards with a zero balance. Though some card companies have been known to close older, unused accounts.
Get low cost auto insurance: Arizona Auto Insurance
Ford Motor Company
Ford Motor reported sales of new vehicles in the U.S. fell almost 19% last year.
Vehicles sales are expected to drop from 16.5 million in 2007 to approximately 13.5 million once the 2008 figures are offically released. This would represent the lowest sales totals since 1992.
Those numbers represent a staggering drop in car & truck sales. The company is projecting 2009 sales to be around 12 million.
However, some industry experts are predicting new car sales could slide under 10 million.
High gas prices during the year, tightening loan requirements and consumers concerned about the feds assisting the automotive industry all played roles in the drop in demand.
Save on your insurance by clicking here: Arizona Auto Insurance
Vehicles sales are expected to drop from 16.5 million in 2007 to approximately 13.5 million once the 2008 figures are offically released. This would represent the lowest sales totals since 1992.
Those numbers represent a staggering drop in car & truck sales. The company is projecting 2009 sales to be around 12 million.
However, some industry experts are predicting new car sales could slide under 10 million.
High gas prices during the year, tightening loan requirements and consumers concerned about the feds assisting the automotive industry all played roles in the drop in demand.
Save on your insurance by clicking here: Arizona Auto Insurance
Friday, January 2, 2009
Worst Insurance Companies
Ouch. Who wants to be on this list?
According to the American Association for Justice the following insurance companies are considered the worst, using a wide range of factors including claims and complaints.
1. Allstate
2. Unum
3. AIG
4. State Farm
5. Conseco
6. WellPoint
7. Farmers
8. UnitedHealth
9. Torchmark
10. Liberty Mutual
You will be happy to know we do NOT quote insurance with ANY of these carriers.
Want great rates on Auto & Homeowners?? Get a low cost quote today: Arizona Auto Insurance and Arizona Home Insurance
According to the American Association for Justice the following insurance companies are considered the worst, using a wide range of factors including claims and complaints.
1. Allstate
2. Unum
3. AIG
4. State Farm
5. Conseco
6. WellPoint
7. Farmers
8. UnitedHealth
9. Torchmark
10. Liberty Mutual
You will be happy to know we do NOT quote insurance with ANY of these carriers.
Want great rates on Auto & Homeowners?? Get a low cost quote today: Arizona Auto Insurance and Arizona Home Insurance
Tuesday, December 30, 2008
Uninsured Motorist
This optional auto policy coverage is perhaps the most misunderstood item on any auto policy.
It does NOT have anything to do with your car or truck.
It DOES have to do with injuries in your car or truck caused by an uninsured driver.
If you or your passengers are hurt you expect the other at-fault driver (their insurance policy) to cover your injuries.
But what if they have NO insurance - an uninsured driver?
That is where your own policy and uninsured motorist kicks in. But remember, it has nothing to do with your vehicle. It has everything to do with "injuries" inside your vehicle.
Arizona Auto Insurance
It does NOT have anything to do with your car or truck.
It DOES have to do with injuries in your car or truck caused by an uninsured driver.
If you or your passengers are hurt you expect the other at-fault driver (their insurance policy) to cover your injuries.
But what if they have NO insurance - an uninsured driver?
That is where your own policy and uninsured motorist kicks in. But remember, it has nothing to do with your vehicle. It has everything to do with "injuries" inside your vehicle.
Arizona Auto Insurance
FICO SCORES
Remember the term "Fico 08".
A new credit scoring model is due to be released that changes how your credit score is viewed.
One change will make your "available credit line" even more important. That is very important considering credit card companies are trimming the credit lines of many consumers today.
For example, let's say your credit card line is $10,000 and you have a $4,000 balance. You are using 40% of your available line of credit.
What if the credit card company lowered your credit line to $5,000? Now your four thousand credit card debt equals 80% of your available credit. That could ding your score big time.
The new formula will ignore collection debts under $100, stuff caused by library fines or parking tickets. Silly stuff that really should not effect your score.
Need to save money on your insurance? Visit our website - Arizona Auto Insurance
A new credit scoring model is due to be released that changes how your credit score is viewed.
One change will make your "available credit line" even more important. That is very important considering credit card companies are trimming the credit lines of many consumers today.
For example, let's say your credit card line is $10,000 and you have a $4,000 balance. You are using 40% of your available line of credit.
What if the credit card company lowered your credit line to $5,000? Now your four thousand credit card debt equals 80% of your available credit. That could ding your score big time.
The new formula will ignore collection debts under $100, stuff caused by library fines or parking tickets. Silly stuff that really should not effect your score.
Need to save money on your insurance? Visit our website - Arizona Auto Insurance
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