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.
Hire a Property Manager and Save Time, Money and Frustration!
In this post, I am going to explain to you how hiring a property management can help to save the owner more than just the price of the management fee. Let’s say we have a home that rents for $1600/month. As a real estate management organization our average fee locally is 6-10%. Therefore, let’s use 8% of $1600 which is $128/month. For an example our company only charges a flat fee of $75 a month for monthly management, however I’ll show you the way a property manager can help to save above $1200/year by using a professional in the business.Five Concrete Ways in which a Property Management Company Can Save Time and Money for an Owner1. The very first way a management company can save you money is by maximizing rents. These management companies comprehend rental prices and what a tenant would most likely like to pay for a particular unit in a certain area. Property managers in addition have a footing on advertising and featuring. They know all the suitable areas to market and are available promptly to show properties to have them rented for the best conceivable price. On average a property management provider can help to save at the very least $50/month over 12 months which is already $6002. The next method that can help you save money is by means of reducing vacancies. Your average owner will take approximately sixty days to fill a vacancy with respect to the current market not surprisingly. Utilizing a property management company, they average under 1 month. All over again, with an ordinary lease of $1500, the specialist will save you over 12 months $1600 because of this one area.3. The 3 rd area a management company can save you money is by marketing. Real estate managers possess lower prices through internet sites and newspapers. They usually can save no less than $150 during marketing and advertising through 1 year as opposed to an individual owner.4. Your fourth place to save you money is usually as a result of maintenance and repairs. The majority of property management organizations get access to vendors at lower rates. Our organization helps you to save approximately 30% the normal cost for an individual owner. For a typical single family house the cost of maintenance as well as repairs over one year averages around $250-$400 depending on the residence. Some of our more recent properties never have any maintenance in the course of the year, a few of older properties can have more issues throughout the year. Along with a 30% savings this saves the owner $75 to $150 over 1 year. *Our partnership with the regional title company has allowed us to provide our owners with discounted home warranties as well for older houses with estimated approaching repairs.5. The fifth method is through selecting a very good qualified tenant through our screening process techniques. Many property management organizations have fewer than a 1% eviction rate as a result of in depth verification measures that they already have executed. The “bad apples” realize that they can’t successfully pass a management company’s screening process so they will rent through the individual owners and sell them regarding how excellent of a tenant they are going to be even though they don’t have credit history, or no leasing references, as well as no Id, or even a large amount of additional reasons they use. This on its own helps you to save the owner the price of eviction which within our region averages around $1,000, the price of loss rent of about 1 month of $1,600, plus the expense of repairs of approximately $1,500. This thorough screening practice on its own can help to save the owner $4,000!The majority of owners mainly think about the management fee that they’re losing but not concerning these 5 areas which a management company can help to conserve them money. Along with these typical estimates above, a professional management company can help to save the owner more than $6,000 in a year.