Lifestyle
Important Things to Know about a Car Insurance

Most of the car owners are always confused with some of the misconceptions as well as the unfamiliar term. Here are some of the things related to the choice of the best coverage for the vehicle on the best possible price. Let us have a quick look.
The payment of Car insurance has two factors to decide such as the make and model of the car. It is always a complex process to buy car insurance whether it is online or by an agent. Although it has become easy with the internet to compare various policies as well as prices and pick up the right one as per the vehicle. The process of decision making is almost clouded with different misconceptions and myths related to the working of the insurance.
For instance, a lot of people have a myth that the insurance cost of a red-coloured car is more as compared to other cars.
An insurance company considers a lot of factors while finalizing the amount of premium for the vehicle such as the make and model, age, body type, size of the engine, the repair cost and likelihood that it may be stolen. But it does not include the colour of the car.
Every insurance company has using their formulas to calculate the premium prices but they only use the basic factors. Some factors are already mentioned above and other include the age of the driver, gender, experience, the area where the driver live and the credit score of the driver.
When it comes to choosing the car insurance through www.cheapautoinsurance.com, then the prevalent area of confusion is the collision and comprehensive coverage. About 70 per cent of the Americans do not understand the difference between both. Firstly, the protection against the theft, damage, fire, flood, vandalism, hail, falling rocks, hitting a deer is covered under comprehensive coverage. However, the collision coverage includes the damage from hitting other vehicles or objects such as tree or guardrail.
It is vital to understand what insurance will cost for the different models when you are shopping for a new car or vehicle. It might be possible that the claim rates of SUV are better as compared to another lower-priced car.
Several ways are there to decrease the bill of insurance; it means a reduction in coverage packages. To exemplify, you might want to opt for comprehensive coverage to the old car. Discounts are also offered by insurance companies for the low mileage, more than one car, and safe drivers and to the students by the insurance companies.
Driving a personal vehicle for business purposes is excluded from a lot of coverage. It may lead to the cancellation of your insurance policy if the insurance company realized that you are doing this.
Last but not least, the auto insurance follows the car and not the driver. If you lent your car to someone, then you only lent your car along with the insurance policy and nothing else. For more information, visit, www.cheapautoinsurance.com.
About the author:
Tejas Maheta is the Founder of techiegenie.com and a tech geek. Besides blogging he love reading books, Learning new things, and Hanging out with friends.
Lifestyle
Derik Fay: The Strategist Who Built Empires Where Others Saw Limits

In the ever-changing landscape of entrepreneurship, few names carry the weight of strategic precision like Derik Fay. Behind the scenes of some of the most dynamic, growth-driven companies in America, Fay has become a master at the art of scaling businesses without sacrificing soul.
What makes his journey all the more compelling isn’t just what he’s done — it’s how quietly and deliberately he’s done it. Born in Westerly, Rhode Island, on a cold November day in 1978, Fay didn’t come from connections or capital. He came from resilience. Raised in modest circumstances, he developed a mindset early on that would come to define his success: if a door doesn’t open, build the damn frame yourself.
At 6’1″, Fay’s physical presence is matched only by the magnitude of his vision. Over the past two decades, he’s grown from a solo operator into a force that touches nearly every major sector in American business. He is best known as the founder of 3F Management, a multi-sector venture and private equity firm that acts less like a bank and more like a command center — diagnosing broken business structures, overhauling teams, and rebuilding revenue engines from the inside out.
But 3F is only the beginning. Fay holds active leadership or board roles across a broad range of ventures, including Around the Clock Fitness, SalonPlex, Results Roofing, BIGG Pharma, Tycoon Payments, Eratyc Entertainment, FayMs Films, and even the combat sports disruptor Bare Knuckle Fighting Championships (BKFC). Each of these businesses reflects a different side of his philosophy: high-functioning systems, vertical integration, and zero tolerance for mediocrity.
And while his public persona is often understated, the reach is massive. His online presence alone has generated billions of views, with over 1.4 million followers engaging with his strategic insights, mentorship content, and thought leadership across platforms. He’s not an influencer — he’s an executor with influence.
Yet behind the numbers and headlines is a family man. Since 2021, Fay has shared his life with his partner, Shandra Phillips, whose presence he often credits as grounding his often chaotic, deal-driven world. Together, they raise two daughters, Sophia Elena Fay and Isabella Roslyn Fay — the true north to his professional compass.
Despite his vast portfolio, Fay is not driven by applause. He’s driven by the ripple effect. Every deal, every venture, every mentorship session carries the same intention: to leave people, companies, and communities better than he found them.
He’s also begun exploring a new frontier — film and entertainment. Through FayMs Films and strategic partnerships with entertainment studios, Fay is merging business with storytelling, stepping occasionally into the spotlight as an actor and executive producer. It’s a logical evolution for a man who’s spent his life crafting narratives — only now, some of them play out on screen.
And while many entrepreneurs spend their careers chasing validation, Fay has been repeatedly recognized in major outlets like Forbes, Yahoo Finance, and Maxim, not for buzz but for results. He’s been cited alongside legacy names in global business and continues to operate with the same laser-focus that got him through his first startup, his first failure, and his first million-dollar win.
In a time when founders obsess over being seen, Derik Fay has built something far rarer — he’s become essential. Not just to his companies, but to the evolving definition of what modern leadership looks like: measured, disciplined, people-first, and unapologetically ambitious.
He doesn’t just build businesses.
He builds systems that build people.
Derikfay.com
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