Do Not Settle For The First Car Insurance Quote You Obtain

If you are shopping around for a new motor vehicle, your purchase need to go hand in hand with acquiring a car insurance quote. As soon as you drive your new vehicle off the dealership’s floor you are at risk of getting in an accident or you can be hijacked on your way home, consequently you have to have your car insurance policy in place previous to getting behind the controls of your car for the very first time.There are many variables that would influence the car insurance quote that you will obtain. Causes such as your age, gender and driving history are all examples of such variables. The price of the car in question will also play a role, as will the number of nominated drivers on the vehicle.Never settle for the first car insurance quote you receive. Try to contrast and compare as many quotes as possible – no less than three or five. In case you are uncertain about the terms and conditions associated with your policy, make certain to discuss this with your insurance agent or insurance broker prior to signing your contract.One of the points that may perhaps result in a lower car insurance quote is opting for a higher excess amount. An excess amount is essentially the difference between the price for repairing your vehicle and the amount that the insurance company is willing to pay. Say for instance you must repair your bumper after a small accident and the repair price is R10 000. The insurance company agrees to pay R8 000. Your excess amount (payable by you!) is then R2 000. The greater your voluntary excess amount, the lower your associated premiums (usually!). Just be careful that you do not pick such a high excess amount that you would not be in a position to honour the payment when it is time to put in a claim!Also keep in mind that your car insurance quote will typically only give you an indication of your first year’s premiums. An essential issue to remember is that your insurance premium is likely to increase on a yearly basis. You might be thinking that this is not making sense, as the value of your car is in fact decreasing year after year and thus the insurance providers’s subsequent risk is lower. On the one hand that is true, but remember that the cost for repairing your vehicle (parts and labour) increase every year and insurance firms have to cater for this increased cost by increasing your premiums.Often times an insurance business will provide a car insurance quote, but your insurance policy will only be activated as soon as you’ve taken your vehicle for an inspection. These inspections are necessary as insurance firms must make certain that you are not trying to insure a car with an existing problem and that all the security features (such as an alarm system, immobilizer etc) stipulated on the contract are indeed in place.Obtaining a car insurance quote is really not difficult. Research your options, compare a couple of quotations and make an informed decision.

5 Personal Fitness Tips to Follow After Delivery

Pregnancy, childbirth and breastfeeding take a drastic toll on your body. After childbirth, a woman’s routine becomes much hectic because of the newborn baby! A mother may at times, feel blessed to have even a few hours of uninterrupted sleep.

Nevertheless, personal training experts say that a proper fitness program and nutritious diet can help you get in shape quickly.

Be cautioned though. A mother of two and a personal training expert says that transformation does not happen overnight. However, with regular exercises she eventually had a body, which was better than she ever could have at her age! So, if you are planning to undertake some post-pregnancy exercises, now is the chance to get a body that maybe you dreamed of having, all those years!

1. Develop realistic goals
We know the first few months after having a baby are very special. Your baby is dependent on you for everything and you can’t leave their side for long too! However, you have to take out time for yourself. Do not exercise to fatigue. Take it slow but do not ditch exercises completely. Exercise when your baby is asleep and go for walks with your baby.

2. Exercises to do
Start practicing Kegel Exercises whenever you have spare time at hand. Take a deep breath and while exhaling, imagine your vaginal opening getting pulled up toward the inside of your belly button. Relax when inhaling. Repeat this procedure 20 times.

Another exercise to do is Tommy Toner. Inhale while expanding your belly. Pull your belly button toward your spine as you exhale. Again, repeat this 20 times.

3. Use dumbbells
Weight training is one of the most effective ways to have a better-shaped body. Even 2 or 3 sessions in a week, each of 20-30 minutes can bring some noticeable difference.

With weight training, you will have more lean muscles and less of body fats so not only do you lose weight but you also become stronger.

4. Don’t eat snacks or fast foods
With less time at hand and more tasks to do, some women may grab processed snacks and fast food without thinking about the damage they are doing to their fitness program!

If you are busy, have shakes instead. Eat healthy and more natural snacks such as nuts, fruits or a cup of low-fat yogurt. You could go to a nutritionist for some great snack ideas.

5. Hydrate yourself
Drink plenty of water, before, during and after your fitness training exercise. Lactating mother should have at least 8 ounces of water before and after their exercises. If your urine is clear or pale yellow in color, it means you are drinking enough water.

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