Month: February 2016

Going beyond cheap car insurance

AUTO Insurance | Going beyond cheap car insurance

Doesn’t it feel sometimes that when it comes to auto insurance it’s like playing the game no one tells you how to play it right and where the rules are written without your consent? Well, to ease the situation, here are some auto insurance rules most insurance companies won’t tell you about.

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1. If your credit rating is good you will have better rates.

Most of the insurance providers, whether big or small, use credit information to determine the rates you will be charged with. That’s because numerous studies have shown that there’s a direct link between a person’s credit rating and the probability that the very same person would file an insurance claim. Those who have poor credit scores tend to file claims more often than drivers with good credit reports. And we know how insurance companies don’t like insurance claims.

Tip: If your credit report is not that good, don’t haste with buying auto insurance. First, make sure you have settled all your debts and closed unused credit lines. After doing this wait for a month and your rates will be much lower than you would expect.

2. The model of your car affects your premiums.

Insurance companies don’t disclose the exact methods they use to calculate their rates, but your car make and model certainly plays an important part in the equation. All insurance providers have charts on all car models and their respective insurance cost based on theft rates, repair costs and overall safety.

Car Insurance - Auto Insurance
Tip: Try purchasing a car with reasonable repair costs, good safety scores and low theft rates in your area in the first place. This will always give you the chance of having cheap car insurance.

3. Bad driving means higher rates.

Most insurance companies will raise your rates up to 40% of the initial premium you’ve paid if you have a single at fault accident. However, not all companies follow this rule.

Tip: There are insurance providers that have higher tolerance for first-time accident drivers. So when you purchase your cheap car insurance policy or ask the provider if they have such incentives and what are their rules.

4. If your friend borrows your car and ends up in an accident you will still have to pay higher premiums.

It doesn’t matter who was driving the car if it was with your own consent. It will be you who will file the claim and this will eventually lead to increase in your premiums.

Tip: In case you didn’t give consent on using your vehicle your friend will be liable for the accident. However, if he or she doesn’t have own insurance or the damage resulted exceeds the amount of coverage contained with his or her policy the other party may come to you in order to settle additional medical and repair costs.

5. Official cancellation is required when switching providers.

You are free to cancel your policy any time you feel the need to. All that is required is to inform your current provider in written form.

Tip: After you have searched for cheap car insurance and chosen another provider you can simply contact your insurance agent and inform him that you want to cancel your current policy from a certain day. In most cases the company will send you a filled out form where only your signature will be required.

Contact us @ http://edcuellar.com/san-antonio-car-insurance/

Restorative Dentistry

When it comes to your smile, we will help you improve it, maintain it, and get it back!

Cleanings and Prevention

Dental Exams: We provide an in-depth examination including oral cancer screening, gum disease appraisal, examination of current dental work, and dental x-rays. Teeth Cleaning: We are meticulous in our methods for dental cleanings, removing plaque, hard tartar (calculus), and stains, and providing a thorough polishing afterward so that you leave the office with a noticeably brighter smile. Dental X-rays: Dental x-rays are an integral part of a dental exam, showing tooth and root conditions, misalignments, cavities, and any irregularities beneath the gum line. Home Care: We educate our patients on ways to improve or uphold their current dental health, discussing the proper way to brush, the importance of flossing, what type of tooth brush to use, new products to try, and habits to avoid. Cosmetic Dentistry

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Composite Filings: Composite fillings are fillings whose color matches that of your other teeth, making them virtually unnoticeable. Fillings are utilized when a portion of the tooth needs to be removed, generally in cases of cavities and other decay. A filling may also be used when a tooth is cracked or worn down.Porcelain Crowns: Crowns (or caps) are used to cover broken or badly decayed teeth. As the porcelain is tooth colored, crowns will blend in with your own teeth. The installation of a crown generally requires no more than two visits. Porcelain Fixed Bridges: Fixed bridges are dental appliances that replace missing teeth, helping you eat, speak, and smile normally while keeping your other teeth in proper position. Getting a bridge generally take at least two visits, and we instruct all our patients on how to keep their new smile clean. Porcelain Veneers: Porcelain veneers are custom made and bonded onto the front of your teeth. Their use is generally for cosmetic reasons, as they replace stained, crooked, cracked, or missing teeth. While not permanent, they are long lasting and easily replaceable. Teeth Whitening: We create customized tooth whitening trays so that you can improve the appearance of your teeth in the privacy of your own home. Teeth whitening is a great remedy for stained or discolored teeth and a great boost to your self-esteem. It improves your looks and your outlook. Periodontal Disease

Diagnosis: Periodontal examinations are part of our comprehensive dental exams. These exams offer early detection for gum diseases such as gingivitis and periodontitis. Treatment: Treatment of gum disease depends on the severity of the disease and can range from simple cleanings to root planing. Whenever we recommend a periodontal treatment, we make certain that the client understands the complete procedure and follow-up.Maintenance: Regular follow-up appointments proceed any periodontal treatment we administer. Such an appointment will include x-rays, an exam, teeth polishing, and instruction on practices that will keep periodontal disease from returning. Restorations

Composite Filings: Composite fillings are fillings whose color matches that of your other teeth, making them virtually unnoticeable. Fillings are used when a portion of the tooth needs to be removed, generally in cases of cavities and other decay. A filling may also be used when a tooth is cracked or worn down.Porcelain Crowns: Crowns (or caps) are used to cover broken or badly decayed teeth. As the porcelain is tooth colored, crowns will blend in with your own teeth. The installation of a crown generally requires no more than two visits. Dentures and Partial Dentures: Dentures are removable dental devices that replace missing teeth. Dentures may be complete or partial, replacing a mouth with all or some teeth missing. The process of getting dentures generally requires several visits, with mouth impressions being made and adjustments necessary. Root Canal Therapy: Root canal therapy is utilized when a tooth’s nerve is decaying or infected but there is still a chance of saving the tooth. The tooth is numbed, the diseased material removed, inert filler inserted. A cap is generally placed on top of a tooth that has been treated with root canal therapy.Dental Implants

Single Tooth Replacement: A dental implant in conjunction with a ceramic crown is utilized to replace a single missing tooth. For most patients, the implant becomes fully functioning almost immediately. Multiple Teeth Replacement: A multiple tooth implant (fixed bridge anchored to dental implant) is used when a number of teeth are missing and dentures will not provide enough stability. The implementation of such implants generally takes six visits or more. Full Arch Replacement: When all teeth are missing, a full arch replacement (fixed bridge anchored to dental implant) may be the best solution, providing greater function than dentures. More here
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