Getting a car insured today has become a matter that requires substantial research. For most people the main criterion of selecting or rejecting a car insurance company is price. Every body seems to be after ‘cheap’ car insurance. But how does one quantify cheap? To accurately compare quotes, you need to make sure the insurers you’re comparing are offering similar types and amounts of coverage, and also a similar deductible amount.Meanwhile, here are a few pointers on how to go about getting a car insurance that will be more affordable:Keeping all your eggs in the same basket may help you lower your car insurance costs. Some insurers give discounts if the applicant already has one or more insurances from the same company. For instance, if you already have homeowners insurance and another auto insurance plan from the company, chances are that you may have to pay less for insuring your new car. You can even ask them to give you a quote and compare it with that of other insurance companies.Keep your driving track record clean. Easier said than done, no doubt, but it really pays in the long run. If you have a couple of accidents to your credit, chances are that you may have to empty your pockets a little more to have your car insured. This is the auto insurers’ way of hedging the risk from your bad driving and safeguarding themselves from a possible claim in the near future.Increase your deductible amount. This is the amount that you agree to pay in the eventuality of a claim before the insurance company pays up. What this implies is that you are taking a risk of paying more if the need arises. But if you are a cautious driver and are confident that you are likely to be so in the future too, it will knock off a sizable chunk from your yearly payouts.Even the make of the car can determine how much you pay for the insurance of the car. Attractive and expensive cars are more theft prone and hence make the car insurance expensive. The inherent nature of the car and the likely profile of the user can also determine the insurance amount. ‘Volvo’, a symbol of safety, is likely to be driven responsibly but a Mustang is likely to be driven by a less cautious driver. Therefore if you are planning to buy a car in the near future, spare a thought on the insurance front too, since a ‘low-profile’ car can have a lower insurance cost.Take precautions to theft proof your car. This can affect your risk profile immensely, apart from giving you a general peace of mind. Cars equipped with anti-lock brakes, air bags and automatic seatbelts are also eligible for insurance discounts.Remember not to just go after the cheapest quote you get in the market. Do your homework, compare quotes and reimbursement track records of several insurance providers before you finalize your car insurance company.
Fitness Tips – Try Walking With Poles
There is regular exercise and then there is exercise by taking a walk. Fitness walking is not simply forcing yourself to exercise but is a type of walking whereby the person uses poles that are very similar in nature to ski poles. This type of exercise is sometimes referred to as Nordic training. Competitive Nordic skiers who practiced by training on dry land first did this type of exercise. It has been used for decades now.
Nordic training is a very basic form of walking that can be done by practically anyone in any type of climate. The upper body in particular becomes well conditioned in much the same way that it does when an individual is involved in Nordic skiing.
This kind of exercise can provide a full body workout and burns more calories than training minus the poles. For example, fitness training involves more energy consumption than regular walking. It is in the area of 46 percent. Upper body muscle endurance can be increased by 38 percent using the poles in a matter of 12 weeks.
The fact that more muscles are engaged in Nordic training is why more calories can be burned. The chest, shoulders, abdominal muscles, biceps, triceps and all other core muscles are put to the test when the exercise is done.
Fitness exercise has some advantages over walking without poles. These include:
· An increase in endurance and strength in the upper body as well as all core muscles
· A tremendous increase in heart rate
· An easier time when climbing hills
· More calories are burned at a faster pace
· Balance and stability are improved thanks to the use of the poles
· There is density preserving stress that takes place to the bones
· Ankle joints, knees and hips do not suffer as much weight on them
It is important than you buy poles that are appropriate for your height and body frame. Poles that are not the correct length can give rise to pain and discomfort in the knees, back and hips. Incorrect sized poles can also reduce the effectiveness of using poles in the first place.