Car Insurance Rates

Learn about car insurance prices and finding the right coverage for you.

Car insurance rates are affected by many factors. Some are simply the day-to-day costs of repairing a vehicle or covering medical expenses. Others may be more within your control when selecting an insurance policy. You want the right amount of coverage at the best price, and it's important to understand the trade-offs between cost and coverage.

What Factors Will Affect My Auto Insurance Rates?

What auto insurance costs and how much coverage you get for your insurance dollar go hand in hand. When you purchase auto insurance, you are sharing the financial risk of owning and driving a car with your insurance company. The amount of coverage you select and the deductible amount you're willing to pay determine the amount of financial risk you will have, even though you've purchased insurance.

So for example, less coverage may be less expensive, but you will also have to pay more out of pocket when filing a claim. Having a low coverage limit can also put your personal assets at risk if a claim against you exceeds your coverage. Having more coverage might be more expensive, but it can also save you money when you have a claim or are found to be at fault in an accident involving others. Some other factors that affect your rates:

• State - each state has their own insurance regulations that can affect costs.
• Region - local average costs of repairing or replacing your particular vehicle or parts will affect your rate, as will medical costs, which vary by region also.
• Personal information - the driving records and credit-based insurance scores of the drivers on your policy typically raise or lower the price of your insurance.

Know What Policy Features are Included

When Liberty Mutual provides you with a car insurance quote, we list all coverages and features of the policy so that you know exactly what's included in your quote, and which items may have an additional cost, such as towing or car rental coverages. When you compare car insurance, make sure you're getting the coverage you need and the features you want.

Know What Coverage You're Getting

Know What Coverage You're Getting
Auto insurance policies have a number of components. When you compare car insurance it's a good idea to be familiar with concepts such as:

• Liability
• Medical payments and personal injury
• Uninsured/underinsured motorists
• Collision and comprehensive

Before you compare car insurance quotes, learn more about Car Insurance Coverages.

How to Compare Car Insurance

There's more to car insurance than the dollar amount.

When comparing car insurance quotes online, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Here are some things to be looking for when you compare car insurance quotes:

Ensure Coverages, Limits and Deductible Amounts are the Same
Higher coverages and limits, as well as lower deductibles, will raise the premium you pay. At the same time, lower coverages and limits and higher deductibles will lower your premium. Be sure, also, that you are comparing the same coverage period, usually a 6-month or 12-month term.

Use the limits listed on your current policy, or use our Car Insurance Coverage Calculator to select the amounts you'll use to compare car insurance rates.

What Coverage is Best for Me?

When purchasing a car insurance policy, you want to make sure that you're getting the coverage you need to fit your specific situation. You can learn more in our Car Insurance Coverage section. If you're not sure what type of coverage you need, try using our Car Insurance Coverage Calculator. This easy-to-use tool lets you review different levels of auto insurance coverage to help you determine what best fits your needs. What if I Need to Talk to Someone? If you need help during the online quote process, we have an extensive online help center, as well as a real-time chat feature. But of course you can also always give us a call or contact a Local Agent to get the same great insurance quote experience.

What Factors Will Affect My Rate?

When you request an auto insurance quote online, there are three major factors when your rate is calculated:

• Your Vehicle: The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle's safety features can help lower your auto insurance quote, as can how often you drive the car and what type of driving it's used for (business or personal).
• Your Address: Where you live and park your vehicle will affect your auto insurance quote.
• Your Driving Record: Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.

If you already have a car insurance policy and are comparing new car insurance quotes to determine what is best for you, make sure that you are comparing similar coverage, limits and deductible amounts. In most cases Liberty Mutual can provide multiple car insurance quotes, any of which can be customized to meet your car insurance needs.

Car Insurance Quotes

Your time is important, and we'll try to get you through the quote process as quickly as possible. In many cases we can fill your vehicle information in automatically based on public records, but to make things easier, it's best if you have the following information nearby:

• Your current policy (if you have one) – this is helpful as a reference so you know what coverages you currently have
• Driving record information from the last five years (including accidents, violations and claims) for all drivers you'd like included on your policy
• Driver's license number(s)
• Your car's make, model and year, as well as its Vehicle Identification Number (VIN)
• The odometer reading for each car you'd like an insurance quote for
• The location where your vehicles are typically parked

Is lively surveillance right for some intermediate-threat guys?

Despite the fact that metastasis is a extraordinary trouble at the same time as it happens, Dr. Klotz emphasizes that kind of eighty% of the intermediate-danger guys within the study have to date prevented that outcome. And these men, he stated, also are averting most cancers remedies that would otherwise have a sizable effect on their satisfactory of life. Nevertheless, Dr. Klotz urges warning while selecting intermediate-risk guys for energetic surveillance. “primarily based mostly on those findings, i'd strongly encourage that those guys be further evaluated with magnetic resonance imaging and/or genetic biomarkers,” he stated.

“the ones longer-term information shed new mild at the remaining results of fellows considered for lively surveillance who had additives of higher-grade most cancers when they had been to begin with identified, or who were located to have it on next biopsies while on lively surveillance,” said Dr. Marc Garnick, the Gorman Brothers Professor of medicine at Harvard scientific university and Beth Israel Deaconess scientific middle, and editor in leader of HarvardProstateKnowledge.Org. “Many variables element into whether or not or no longer lively surveillance ought to be taken into consideration for intermediate-hazard men. Dr. Klotz highlights MRI and biomarkers, but scientific diagnoses, family history, and the affected person’s emotional ability to address a better danger of metastases need to all be taken into consideration.”

Taking a take a look at intermediate-danger prostate most cancers

Sunnybrook’s active surveillance application dates again to 1995, so it allows for remarkably lengthy-term take a look at-up. Almost 1,000 men have enrolled within the utility so far. The general public have low-chance prostate most cancers, this means that their prostate-particular antigen (PSA) stages don’t exceed 10 nanograms in keeping with milliliter (ng/mL) and their Gleason ratings are not any higher than 6. (Gleason scores describe how aggressive a tumor pattern seems under the microscope.) approximately two hundred men within the have a look at have intermediate-danger prostate cancer. Commonly, intermediate-hazard maximum cancers is determined by way of way of a Gleason score of 7 or a PSA stage higher than 10 ng/mL. However, those intermediate cancers can also be divided into lower- and better-hazard categories, depending totally on how lots better-grade cancer indicates up within the biopsy.

The new analysis suggests that 30 of the 980 guys evaluated inside the look at in the end developed metastases (or areas of spread). Of these men, two had low-chance prostate most cancers, even as the opposite 28 had either been diagnosed initially with intermediate-chance tumors, or have been upgraded to that class while they had been on lively surveillance. The chance of metastases changed into therefore three% typical for all of the men evaluated, but kind of 4 instances that for the intermediate-risk men, specially. The median time to metastasis changed into eight.9 years, this means that that for all the men whose most cancers spread, half of experienced it internal 8.9 years of evaluation and 1/2 skilled it later than that.

In line with Dr. Klotz, the threat of metastases became mainly relying on the quantities of Gleason 7 most cancers in the prostate, and whether or not a man’s PSA stages doubled rapid. He expects that a few more guys inside the have a look at will develop metastatic cancer with age and longer-time period take a look at-up.

The dangers of active surveillance for men with intermediate-hazard prostat

Guys identified with gradual-growing prostate tumors that in all likelihood gained’t be dangerous in the course of their lifetimes can regularly keep away from instant remedy. As a substitute, they can have their tumor monitored the use of a method called energetic surveillance. With this method, medical doctors perform periodic assessments for tumor improvement and start treatment only if the most cancers starts to metastasize, or spread. Energetic surveillance has emerge as famous worldwide, however medical doctors nevertheless debate which companies of men can effectively use this technique. A few docs offer it only to guys with the bottom chance of most cancers progression. Others say that men with intermediate-threat prostate cancer also can make correct applicants.

A brand new check now suggests that intermediate-hazard tumors are much more likely to metastasize on lively surveillance than initially expected. “maximum guys do best on surveillance, but we have detected a better threat of metastasis among intermediate-chance sufferers over the long term,” said Dr. Laurence Klotz, director of the lively surveillance software on the college of Toronto’s Sunnybrook health Sciences Centre, wherein the look at turned into based totally.

Chest (Breast) cancers

Breast most cancers is the uncontrolled increase of normal cells in one among numerous areas of the breast, which consist of the ducts that deliver milk to the nipple, small sacs that produce milk (lobules), and nonglandular tissue. Sometimes breast maximum cancers remains inside the tissue wherein it commenced. Bit it is able to additionally bypass into distinctive nearby tissue or lymph nodes.

Breast most cancers does no longer discriminate. It influences moms, daughters, running girls, celebrities — or even some guys. For women, the lifetime hazard of developing breast cancer is prepared 1 in 8; for guys it's far 1 in 1,000.

Some ladies are more likely to broaden breast cancer than others. They encompass older women; the ones who've a mother, sister, or daughter with breast most cancers; those who've previously had breast most cancers or a benign breast situation; girls with dense breasts; those who've had radiation to the chest or breast; and women who drink some of alcohol. Having severa chance elements does not recommend a lady will necessarily boom breast most cancers. Likewise, having few chance factors might now not provide 100% protection in competition to it.

Treatments for breast most cancers encompass elimination of the affected breast (mastectomy), elimination of the tumor and small quantity of surrounding tissue (lumpectomy), radiation remedy, chemotherapy, and hormone therapy.

Intellectual health

Everybody feels concerned or worrying or down on occasion. However distinctly few human beings broaden a mental infection. What's the difference? A intellectual illness is a intellectual fitness circumstance that receives inside the manner of wondering, concerning others, and everyday characteristic.

Dozens of highbrow ailments have been recognized and defined. They consist of depression, generalized tension ailment, bipolar sickness, obsessive-compulsive illness, post-disturbing stress sickness, schizophrenia, and masses of more.

Mental contamination is an identical possibility issue. It affects young and old, male and woman, and people of every race, ethnic ancient beyond, training degree, and income degree. The pleasant news is that it may regularly be treated.

Signs and symptoms and symptoms and symptoms and symptoms of mental contamination depend in factor on the infection. Commonplace signs encompass

1. feeling down for a while
2. immoderate swings in mood
3. taking flight from own family, buddies, or sports
4. low power or troubles dozing
5. frequently feeling indignant, antagonistic, or violent
6. feeling paranoid, listening to voices, or having hallucinations
7. often thinking about dying or suicide.
In some human beings, signs and symptoms of a intellectual contamination first appear as bodily issues including belly aches, back pain, or insomnia.

People with a intellectual contamination can regularly ease their signs and symptoms and feel higher through speaking with a therapist and following a remedy plan that would or may not include treatment.

How am i able to exercise aware eating?

Aware ingesting is the alternative of mindless consuming — a lack of statistics of the meals we’re eating. What isn't always practical eating? Consider a few element you’ve eaten inside the beyond few hours. You possibly don't forget what it end up — say, an apple. But do you maintain in thoughts the feeling of ingesting it? The burst of juice as you bit through the pores and pores and skin? The initial tart chew, observed with the useful useful resource of the wonder of the apple’s flesh? In case you’re like lots of us, then probable not.

That’s due to the truth we’re no longer often clearly ingesting. We’re commonly performing some trouble else, too. Possibly we’re jogging. Likely we’re talking with circle of relatives around the dinner table
(a concept I recognize some mother and father regard as old skool). Or perhaps we’re riding, analyzing, searching tv or playing with our smartphones. Ingesting mindfully counteracts this distracted eating.

Mindfulness manner that specialize in the prevailing 2nd. The tenets of mindfulness practice to aware consuming as properly. Aware ingesting method being absolutely attentive for your meals as you purchase, put together, serve and consume it.

Conscious ingesting can practice to wholesome food in addition to unstable ones. But, aware ingesting blessings your health wonderful whilst you’re eating the healthful elements we talk so regularly: cease result, veggies, complete grains, seeds, nuts and vegetable oils.

I spoke to my colleague Dr. Lilian Cheung, a nutritionist and lecturer at Harvard T.H. Chan college of Public fitness. Proper here are several practices she recommends that will help you consume mindfully:

start collectively along with your buying list. Remember the health charge of each object you add to your listing. Then stick to that listing to keep away from impulse shopping for on the identical time as you’re buying.
Come to the desk with an urge for food — but not at the identical time as ravenously hungry. Otherwise you may be so keen to get some thing to your belly that your first precedence is filling the void in preference to taking component in your meals.
Deliver all of your senses to the meal. Be conscious of colour, texture, aroma or even the sounds one-of-a-type meals make as you prepare and devour them. As you chew your meals, try identifying all the additives, especially seasonings.
Chew very well. Chew well till you could taste the essence of the food. Allow the chewed food sit down down to your tongue for only a few seconds, to satisfaction in it.
Eat slowly. Placed down your utensil amongst bites. Consuming slowly enables you have got amusing with the meals.
In final, I need to return returned decrease again to ingesting an apple. The day past afternoon, I ate an apple to save you hunger pangs. It changed into a crimson apple, but I’m not great what kind. I suppose it have become crisp and tart, but I’m no longer sure.

Whilst i was a child, after athletics i'd constantly visit the refrigerated vending device in the fitness center and consume a cold, crisp, tart apple. No longer simplest did i am getting pride from the taste decrease once more then — i'm able to even though taste the ones apples; the memory hasn’t left me. That come to be aware ingesting. The day before today have become now not. I’ve were given a few art work to do.

Disability and sickness benefits – check your entitlements

If you’ve recently become sick or disabled you may be trying to get to grips with the benefits system for the first time. Read our guide to the benefits and entitlements you might be able to claim.

How Holiday Shopping Mania Led to Giving Tuesday

If you end up with a massive money hangover after the five-day holiday shopping mania that stretches from Thanksgiving Day through Black Friday to Cyber Monday, the antidote is Giving Tuesday.

The one-day charitable giving promotion -- hashtag #givingtuesday on social media -- was launched in 2012 to galvanize people around a less gluttonous pursuit.

Since most charities generate the vast majority of their contributions at the end of the year, Giving Tuesday opened the door to a more organized effort on a specific day that any organization could step into. And it worked.

While still in its early stages compared to its retail counterparts, Giving Tuesday has already produced spectacular results for many non-profits. That has led more than 30,000 organizations in 68 countries, from non-profits to corporations to governments, to participate. And the hashtag was mentioned more than 750,000 times on Twitter in 2014.

Driving record

Driving record. A recent speeding ticket or moving violation -— especially within the past three or five years -- can make a big difference in your car insurance premiums, and the insurer is going to check your motor vehicle record before offering you its official rate. Check your files (canceled checks or payment receipts, for example) to find out how long ago you got a ticket. Most state departments of motor vehicles let you look up your motor vehicle record online

title post

Victoria College

It is to Victoria College that I can attribute the fact that Bell Canada, Oxford University Press and McClelland and Stewart all failed to hire me in the summer of ‘63, on the grounds that I was a) overqualified and b) couldn’t type, thus producing in me that state of joblessness, angst and cosmic depression which everyone knows is indispensable for novelists and poets, although nobody has ever claimed the same for geologists, dentists or chartered accountants. It is also due to Victoria College, incarnated in the person of Northrop Frye, that I didn’t run away to England to become a waitress, live in a garret, write masterpieces and get tuberculosis. He thought I might have more spare time for creation if I ran away to Boston, lived in a stupor, wrote footnotes and got anxiety attacks, that is, if I went to Graduate School, and he was right. So, for all the benefits conferred upon me by my Alma Mater, where they taught me that the truth would make me free but failed to warn me of the kind of trouble I’d get into by trying to tell it - I remain duly grateful.

interesting

The subject, though interesting, can feel stretched over the book’s 250 pages. The historical records are sadly thin, which means Mr Wilson-Lee often resorts to what feels like speculative filler. Some of the links he makes are beyond tenuous—at one point he compares African elephants to the storm in “King Lear” on the grounds that both are “sublime grey objects”. The book sometimes strays far from both Shakespeare and Swahililand. But it has successfully told a lesser-known story of Africa, and it is a story worth knowing.

Hey Millennials! You Can Now Calculate How Much Less Money You're Making Than Your Parents

While it might sound counterintuitive, it turns out that young single people—as compared to individuals with dependent children—are less well off financially. According to an article depressingly titled “Young Single People Bear the Brunt of Generation Y’s Economic Woes,” which was featured as a part of a larger spread in The Guardian, 25 to 29 year-old Millennials “have become poorer over the last 20 years compared with the average population.”

These adults, keen on building their careers above all else, struggle with a high cost of living and stagnating disposable income. What’s interesting is the fact that single Millennials who choose to live alone, and are therefore relegated to shouldering the full burden of rent, the electric bill, and a Netflix subscription, also make less money compared to people their age 20 to 30 years ago. This is true in the U.S., Canada, France, Germany, and Spain.

In fact, you can find out how your income compares to other generations, from other countries. (Spoiler alert: You won’t be thrilled with your results.)

You can do two things upon seeing these numbers. One: Whine and moan about how unfair this all is. Or two, continue building a career you care about. You can’t control the economy, but you can, at least to some extent, control your happiness at work. If you like your job and the direction you’re headed in, perhaps the trade-off of living alone and occasionally eating cereal for dinner isn’t such a major one after all. Sure, the generations before might’ve had more disposable income, but on the whole, they were more likely to be working solely for the weekends.

And if you don’t like your career parth now? Well, no amount of looking at the numbers is going to change your circumstances or the global economy. So, your best bet is to continue to find your way on the potentially winding career path. That might mean figuring out how to make extra money every single month (a.k.a., a side gig), or it might mean budgeting that enables you to pay for the online classes you need to make a career move. If anything, this proves that being fulfilled at work’s more important than ever.

Plus, while every industry is different, and certain job titles and positions will always command a higher salary than others, there’s no reason to believe that if you carve out goals for yourself and set your sights on success you won’t one day be in a better position financially than you are now. As we’ve pointed out before, often job hopping, or, as we like to call it, career building can mean big things when it comes to your bottom line.

How Many Pints Of Blood Are There In The Human Body?

The average adult has 10 pints of blood, depending on weight. Men average 10 to 11 pints and women nine to 10, says Dr. Mark Popovsky, medical director of the New England region of the American Red Cross. The wonder of the circulation system is blood`s life-giving ability and the body`s capacity to regenerate the components of blood within hours, days or weeks, depending on the component, Popovsky says. The Food and Drug Administration requires that blood donors wait eight weeks between donations, although the body can replace the lost plasma in hours and the platelets in a day. Within three to four weeks, the body regenerates the red cells.

fixed annuity

Fixed annuities typically pay between three and four percentage points more than the 10-year Treasury bond, which today yields 2.3%. Competitive contracts now are paying between 5% and 6%; that means a $200,000 investment will kick off about $12,000 in annual income, more than double the $4,600 you’d get from a 10-year Treasury.

Clearly, there’s a caveat. With a Treasury bond, you collect the yield while you own the bond, and your initial investment is returned at maturity. With an annuity, your initial investment, or premium, is returned through your annual payouts. If you die young, you could end up collecting less income than you paid upfront. But if you live long, it could far exceed your original investment.

the bio diversity

We develop a stochastic dynamic model to assess the effects of species richness within a trophic level or functional group on the expected temporal mean and variance of ecosystem productivity based on individual species’ productivity responses to environmental fluctuations. The model consists of the following three elements.

Replicate Ecosystems.

A set of replicate ecosystems is constructed at each level of species richness by random sampling from a species pool. This procedure corresponds to recent experimental protocols, which is necessary to separate the effects of diversity on ecosystem functioning from combinatorial effects because of species identity

the bio diversity

We develop a stochastic dynamic model to assess the effects of species richness within a trophic level or functional group on the expected temporal mean and variance of ecosystem productivity based on individual species’ productivity responses to environmental fluctuations. The model consists of the following three elements.

Replicate Ecosystems.

A set of replicate ecosystems is constructed at each level of species richness by random sampling from a species pool. This procedure corresponds to recent experimental protocols, which is necessary to separate the effects of diversity on ecosystem functioning from combinatorial effects because of species identity

the bio diversity

We develop a stochastic dynamic model to assess the effects of species richness within a trophic level or functional group on the expected temporal mean and variance of ecosystem productivity based on individual species’ productivity responses to environmental fluctuations. The model consists of the following three elements.

Replicate Ecosystems.

A set of replicate ecosystems is constructed at each level of species richness by random sampling from a species pool. This procedure corresponds to recent experimental protocols, which is necessary to separate the effects of diversity on ecosystem functioning from combinatorial effects because of species identity

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