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Cheap and Best Auto Insurance Quotes:-


Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.

1. Give them details - If you don't provide information about your zip code, marital status, car's safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.

2. Shop around - Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don't forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.

3. Raise your deductible - Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.

4. Cut the miles you drive - For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car's mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.

5. Switch drivers - For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.

6. Add an anti-theft device - By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.






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Article Source: http://EzineArticles.com/44088
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Sunday 15 June 2014

Find Affordable Health Insurance Plans Online-Individual Health Insurance Quotes

Find Affordable Health Insurance Plans Online-Individual Health Insurance Quotes

As a normal citizen of a country some people may be satisfied and some may not be satisfied with the heath care system of your country.The answer lies with the majority who may be satisfied or dissatisfied with the health care system in their respective country. But, to decide which country provides exceptional health care in the world, The World Health Organization (WHO) is the best judge. The WHO ranks the nations, based on the level of health care system that the citizens are provided with, by their respective countries.
Definition of Health Care System
The definition provided by the WHO is as follows:
"A health system consists of all organizations, people and actions whose primary intent is to promote, restore or maintain health. This includes efforts to influence determinants of health as well as more direct health-improving activities. A health system is therefore more than the pyramid of publicly owned facilities that deliver personal health services. It includes, for example, a mother caring for a sick child at home; private providers; behavior change programs; vector control campaigns; health insurance organizations; occupational health and safety legislation. It includes inter-sectoral action by health staff, for example, encouraging the ministry of education to promote female education, a well-known determinant of better health."
Top Health Care Systems in the World 
The rankings are based on the data released in 2000 by WHO. However, WHO has ceased to release such rankings anymore as it is a very complicated process to come up with the ratings of different countries offering quality health care in the world. France stands at the top of the list, in terms of its health care system, according to WHO. The French system brings both the private and the public sectors together in providing the cover for its citizens. The majority of the medical bills are paid by the government through the funds generated from income tax, whereas the remaining ones are paid by the individual's private insurers. Citizens of France can enjoy many benefits of this health insurance. Most of the time, treatment is almost free for people. Let me explain this; suppose someone visits a doctor and pays the doctors about $1500 as fees. He pays the doctor his fees and then claims a 75% refund from the health insurance fund. Thus, he will get back $1125 from the national insurance fund. If this same person also has a private health insurance plan, he can claim the remaining $325 and pay nothing from his own pocket. As per a survey conducted by Commonwealth Fund, 42% French patients suffering from chronic diseases can fetch the appointments with doctors on the same day only; whereas in the US, only 26% patients can do so. France spends $4,000 per person for health care. United States, on the other hand, spends $7,500 per person. There are about 3.4 physicians per 1000 people in France. Perhaps, these are the reasons why France provides the best health care in the world to its citizens.
Let us now see where do other countries stand in this list.
1.France2.Italy3.San Marino4.Andorra5.Malta6.Singapore7.Spain8.Oman9.Austria10.Japan11.Norway12.Portugal13.Monaco14.Greece15.Iceland16.Luxembourg17.Netherlands18.United Kingdom19.Ireland20.Switzerland21.Belgium22.Colombia23.Sweden24.Cyprus25.Germany26.Saudi Arabia27.United Arab Emirates28.Israel29.Morocco30.Canada 






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Article Source: http://www.buzzle.com/articles/best-health-care-in-the-world.html
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