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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, 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,

About the author:

Tejas Maheta is the Founder of and a tech geek. Besides blogging he love reading books, Learning new things, and Hanging out with friends.

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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Chillout Radio is Offering the Best Music to Relax to




Research by Stanford music just proved that listening to music can relieve stress; that’s what Chillout Radio does. With the schedule everyone is keeping, working nine to five, life becomes stressful. People visit doctors and therapists to relieve their stress.

Music is also an excellent way to get rid of all the stress, and now there is a research to prove it. According to the study, listening to music between 8 to 5 hertz can cause relaxation and can also induce sleep.

Chillout Radio is a great place to listen to the music of your choice. One can download the app on android as well as the iPhone. It has different types of music for everyone.

Students who want to get into a study zone can listen to music that increases their focus. People who are at a spa can also use Chillout Radio and listen to spa music. There is chillout music for work as well. It will make work more fun and exciting.

The motto of Chillout Music is to let go of the stress and worries and do what makes you happy. That’s why they offer music as a soothing balm. Their music and articles are highly curated and have the finest details that benefit the visitors.

Chillout Radio station is the best place to visit after a stressful day. One can just turn up the volume and enjoy a chill session. A visitor can enjoy the chillout radio services in the UK, New Zealand, United States, Canada, and Australia only. There is a mobile-friendly app of Chillout Radio, and one can get it from play store or apple store easily.

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