The Car Insurance Cheat Sheet

It doesn’t matter if you drive a rust bucket or luxury four-door, your car is probably one of the most important/priciest things you own. Yet instead of guarding it with your life, you drive it at high speeds on an obstacle course full of unpredictable hazards and bad drivers. And like it’s no big deal with car insurance. Crazy, right?

Since most drivers don’t bubble wrap their cars, car insurance is the most logical AND practical way to protect your vehicle. Our independent insurance agents will walk you through a sweet selection of policy options to make sure you have the right coverage.

What Is Car Insurance?

In short, it’s a contract between you and an insurance company. The insurer will help you recover financially from a number of scenarios that involve bad things happening to or caused by your car. Bad things can range from medical expenses to roadside assistance.

Why Do I Need Car Insurance?

In almost every state, it’s illegal to drive without car insurance. Every state has a minimum of liability coverage that is legally required. If you don’t have it, you could be fined. If you make a habit of getting caught without it, you could end up in jail. 

The other good reason to have car insurance is consistency. It’s easier to pay monthly or quarterly premiums than to swallow the sudden cost of a bad accident. Unless you have an emergency stash of cash lying around, you should get yourself covered.

What Does Car Insurance Cover?

Car insurance covers your car, other people’s cars, the people inside the cars and the people around the cars (such as pedestrians and bikers). It really depends on the type(s) of coverage you have.

There are three main auto insurance coverage types—liability, collision and comprehensive. There are also a number of specialized extras available. Here’s an overview of what you can expect from each:

  • Liability: This is the legal minimum of coverage—the other types are recommended, but not required. It covers your medical expenses (up to a point). If you’re at fault for an accident, it also covers the other driver’s medical expenses and car repairs. It does not cover repairs to your car.
  • Collision: This covers repairs to your car in case of a collision with another vehicle or inanimate object, like a mailbox.
  • Comprehensive: This covers everything else that can happen to your car: fire, wild animal collisions, riots and even missiles. It’s more accurately called “other than collision.”

Other options for more extensive coverage:

  • Uninsured/Underinsured motorist: This covers medical or repair expenses that are more expensive than what the other person’s insurance covers. (For example, if they’re driving uninsured—illegally—or if they carry only the cheapest coverage.) 
  • Medical payments: This covers medical bills that go over what your liability insurance covers. If you don’t have health insurance, this is especially important.
  • Rental car: This covers rental car costs while your car is being repaired after an accident.
  • Road service/Roadside assistance: This covers emergency tows, battery jump starts and other roadside mishaps.
car insurance

What Types of Car Insurance Coverage Do I Really Need?

It depends on your car’s value and how much you need your car. If you drive an old rust bucket that would be cheaper to replace than repair, you probably only need liability. (Because your premiums could be higher than actual repair costs.)

On the other hand, if you absolutely must have your car for work, dropping off your kids, or other mission-critical tasks, consider adding the other types (especially rental car coverage). They’ll help you cover bills and other expenses to get you back on the road.

How Much Does Car Insurance Cost?

An average driver with a good record will likely pay about $800 a year for full coverage for one car. If they choose liability coverage only, costs could be as low as $600.

Auto insurance costs are based mostly on the coverage you choose, the value of your car and your driving history. Driving a luxury car and getting DUIs or other violations will push costs higher. Your rates will drop as you get older, especially after turning 25.

Who Is Included in My Car Insurance Policy?

Car insurance costs are based on your record as a driver, but insurance coverage follows your car. That means that anyone driving your car is technically covered, including friends and family who borrow it.

Family members who live at your address and share your car (such as a spouse, partner or teenage kids) should be explicitly covered by your policy. If they have a bad driving record, it can drive up your costs.

How Can I Get Car Insurance Discounts?

Penny pinchers and savvy shoppers rejoice: Chances are that there are car insurance discounts you can qualify for. Here are the most common discounts that insurance companies offer:

  • Multi-policy: Discount for bundling multiple types of insurance with one provider, e.g., homeowners and car insurance
  • Multi-car: Discount for insuring multiple cars with one provider, e.g., your car, your spouse’s car and your kid’s car
  • Safety: Discount for your car’s safety features—this is unrelated to your driving record
  • Accident-free: Discount if you’ve gone an exceptionally long time without an accident
  • Loyalty: Discount if you’ve been at your insurance company for a long time
  • Age: Discount if you’re over a certain age, usually 55

The Awesome Benefits of an Independent Insurance Agent

Our agents simplify the search process for finding the right car insurance. They’ll walk you through handpicked policy options and explain the nitty gritty in language you can understand. 

Plus, carriers can have strict deadlines for filing claims. Your independent insurance agent can help you file on time, so you can maximize your insurance benefits.

Finding Car Insurance Quotes

Our agents work with you one-on-one to evaluate your risks and help you decide what car insurance is right for you. Based on your unique needs, they’ll shop and compare policies from multiple insurance carriers. And find awesome protection at the best possible price.

The Lowdown on Online Quotes

We know what you’re looking for: fast and easy car insurance quotes in 30 seconds or less. We get it, you want the goods ASAP, but choosing speed over accuracy can wind up costing you.

Quick quotes are great, but online companies might leave out cost-cutting options. And leave in factors that assume higher risk, resulting in a pricier policy.

Not only that, our competitors might sell your info to multiple companies, which can result in a flood of calls. We flipped the script by giving YOU the info and options to connect with an independent insurance agent.

How to Prepare for iOS 13 Beta for iPhone and iPad Right Now [Checklist]

iOS 13 beta is all set for release next month for iPhone and iPad. Here’s our complete checklist which you should follow right now.

It’s no dark secret that Apple is going to unveil iOS 13 next month in its opening WWDC keynote. There is a ton of stuff which we are expecting, such as a proper dark mode, far better features for iPad and whatnot. But, obviously, you’re reading this because you are an Apple enthusiast and you want to install iOS 13 beta on the first day when it comes out. And we will show you how you can start preparing for the software update right away so that everything goes as smoothly as possible for you come the big day.

ios 13

iOS 13 is on its way with new features that require third-party developer input. As such, the company is releasing developer betas so that software engineers can get a head start on making great software for you. iOS13 is very similar design like iOS12

This one is very, very important to consider at this point. Rumor has it that iOS 13 is going to drop support for several devices, including the iPhone 6, iPhone 5s and iPhone SE. On the iPad front, you can expect the iPad Air and iPad mini 2 to bite the dust too. So if you have any of the aforementioned devices, then it’s best to consider an upgrade or choose a device at hand which lies in the ‘latest’ spectrum of devices. An iPhone 6s or up would suffice at this point.

How to make an archived backup of your iPhone or iPad

Before you begin, make sure you back up your iPhone or iPad. While the beta process is fairly straight forward, any time you make any significant change to your device you risk problems. And with your personal data, it’s always — always! — better to be safe than sorry. Even if you back up every night, you’ll want to make sure it’s absolutely up-to-date.

  1. Plug iPhone or iPad into your Mac or Windows PC.
  2. Launch iTunes.
  3. Click on the iPhone or iPad icon in the menu bar when it appears.
  4. Make sure backup is set to This Computer. (And enable Encrypted backup — it’s worth it!)
  5. Click on Back Up Now. (Click on Encrypt Backup and add a password — you want the security.)
  6. Back up Apps, if asked.
  7. Press Command, to open Preferences. (Or go to iTunes in the menu bar and click on Preferences.
  8. Click on the Devices tab.
  9. Control-click on your Backup and choose Archive.

Archiving will prevent your current backup from being overwritten by an iOS 13 backup in the future, should you want to revert for any reason.

What’s new in iOS 13?

A lot! iOS 13 comes with a number of new features, including new capabilities for ARKit, new features for Siri, and new device time management abilities that allow you to better control how you use your devices and do share this article to your friends.

The Best Fitness Trackers To Buy Right Now in 2018

The Best Fitness Trackers To Buy Right Now!

A fitness tracker can help you sleep better, exercise more and improve your health. Planning to buy one? Here’s what you need to know while picking up the best fitness tracker. Also, get an insight into the top-rated clips, watches, bands and more than we’ve tested. So in this article we selected the best fitness trackers for you.

The wearable market has really advanced with a plethora of devices being launched by different companies. From heart rate measuring headphones to activity trackers and from smart watches to sports watches, you can get your hands on a number of devices. With such a huge range of options available, it is difficult to choose, let along making the right choice.

You may have never come across such wide options but with a variety of choices, comes great confusion. However, before you plan to buy one, you should know how you will be going to use the fitness tracker. Here are some tips to choose the best fitness trackers to suits your requirements.

Want To Track Sleep?

There are some fitness trackers available on the market that records sleep. When sleep is recorded, the trackers watch for movement using three-axis accelerometer. There are some devices that report graphs showing the time spent in light and deep sleep by tracking the motion.

Trackers that come equipped with the sleep tracking system have an interesting jawbone line as it is easy to connect the UP app with a companion app known as UP coffee to track caffeine intake and relate it with your sleep.

Fitness Trackers Vs. SmartWatch

There are several fitness trackers that come with smartwatch functionality and some smartwatches come with fitness trackers features also. But these two are different, so make sure you know which device you want. Fitness trackers put tracking first, so if this is what you want, get your hands on the right fitness tracker.

Other Choices

There are so many fitness trackers out there on the market that you may get confused on what to pick and what to leave behind. Here’s a list of fitness trackers that have four stars or higher. However, you can get a number of other options in the market that will be the right fit for you.

If you are looking for the top fitness trackers that will make it easy to track a lot of things, make sure you read the comparison until the end.

1. Moov Now

Best Fitness Trackers

To sum it up for you, the Moov Now is a multi-sport fitness tracker and fitness coach, developed by Moov, that you can wear on your wrist or ankle.

Multi-sport means the activity tracker can be used for cycling, swimming, running, walking, boxing and even circuit training. Because of its long battery life (6 months), you can wear it 24/7 without any need for charging. This is the Best Fitness Trackers in this range.

  • Battery life: 6 months (Activity tracking)
  • Weight: 0.2 ounces (6 grams)
  • Sensors: 9-axis motion sensing system (accelerometer, gyroscope, magnetometer)
  • Sensor core diameter: 1.1 inches (28 mm)
  • Waterproof rating: 0.3 ATM (~3 meters)
  • Display: LED feedback diode
  • Materials: Polycarbonate with UV coating (core), food-grade silicone (band), Aluminium (band buckle)
  • Syncing: Bluetooth 4.0 (Bluetooth Low Energy)
  • Syncing Range: 50-100 ft (15-30 m)
  • Tracking features: Run, walk, cycle, swim, 7-minute workouts, cardio boxing, activity, sleep, calories
  • Device user interface: 1 push button, 1 LED

2. Samsung Gear Fit 2 Pro

Samsung’s Gear Fit 2 gained a lot of plaudits, which makes launching a ‘pro’ version something of a challenge. After all, the core of a good wearable is having a strong range of core features accessible via a clean and uncluttered UI that doesn’t require a lot of menu navigation, and a hardware design that’s both robust and stylish. Samsung gear fit 2 pro is the Best Fitness Trackers of 2018.

  • Boost Every Session with Fitness Apps Powered by Under Armour, Count Every Mile on Map MyRun, and Stay on Top of Nutrition with MyFitnessPal
  • Automatic Detection of Type of Activity Whether it be Tennis, Basketball, Dancing or Running
  • Track Location and Listen to Music Even without Phone with Built-in GPS to Keep a Record of where You Workout
  • Wireless Charging
  • Digital Smart Band
  • Made of Silicone
  • Bluetooth Enabled
  • Activity Tracker Present
  • AMOLED Display
  • Water Resistance

3. Fitbit Flex 2

If you just want a simple way to monitor and track your daily activity (including workouts), nightly sleep habits, and get reminders to be more active, the Fitbit Flex 2 is a great choice—especially if all your friends are on Fitbit. Unlike most other Fitbits, it’s water-resistant to 50 meters, so you can track swimming and shower with it. You have to buy a band and must tell your family & Friends. This is the Best Fitness Trackers.

  • Track steps, distance, calories burned and active minutes
  • Ultra-thin, removable tracker hides in bands, pendants, and bangles
  • Swim-proof for tracking swimming, life-proof for wear in the ocean, shower, pool and beyond
  • Smart track automatically recognizes select workouts and records them to your Fitbit app
  • Automatically track how long and how well you sleep and set a silent alarm to wake with a small vibration
  • Get call and text notifications on your wrist with unique vibration patterns and color-coded LED lights
  • LED display lights up to show progress toward your daily goal

4. Garmin Vivosmart 3

The Vivosmart 3 has Garmin’s optical heart rate monitor on its underside, but it doesn’t have onboard GPS due to the device’s thinness. The overall design and included sensors make it a direct competitor to Fitbit’s Alta HR, but there are a few other differences between them. Fitbit’s device supports interchangeable bands while Garmin’s doesn’t—and it currently only comes in black and purple.

  • Smart activity tracker with wrist-based heart rate and fitness monitoring tools
  • While not in use, the discreet display disappears into the device so as not to overshadow your style
  • Measures VO2 max, which is widely recognized as an excellent measure
  • Stress monitoring enables users to see periods of elevated stress or restful recovery
  • New strength training activity will count sets, reps, and rest times and will push them to Garmin connect for review

5. Huawei Band 2 Pro

The Band 2 Pro has heart rate monitoring, VO2 max, GPS, step and sleep tracking and a seriously impressive battery life. The slim screen means that this tracker will work just as well with running gear as it will with a business suit, although it isn’t going to be as easy to read as some of the competition.

  • Tracking and monitoring of daily activity information, including step count, calories burned and distance covered
  • Independent GPS positioning (without phone)
  • Support for running and swimming
  • Support for breathing exercises
  • Sleep status monitoring and sleep data collection
  • Alarm notifications, including smart alarms and event alarms
  • Notifications supported include incoming calls, SMS messages, emails, calendar events, WhatsApp and other social media apps

 Conclusion

I Hope you all like this Article I have Selected the Best Fitness Trackers for you and if you want gadgets like this you can comment below I have post that article too.

The Best Laptops to Get Your Hands On In 2018

The best laptops of 2019 offer performance and features that would have been unthinkable a few years ago, and on this page we’ve listed the best laptops that will suit a wide range of budgets.

So, no matter if you’re looking for for cheap and cheerful Chromebooks, premium Ultrabooks or immensely powerful gaming laptops (and everything in between), then our best laptop guide is here to help.

We’re constantly updating this list so that it features the very latest laptops, so if you’re looking for cutting edge technology in the best laptops money can buy right now, you’ve come to the right place.

Plus, every single laptop on this list has been thoroughly tested by us, so you can be confident that you’re getting your money’s worth. Only the best of the best laptops will be on this list.

We’ve also included our very own price comparison tool that will ensure that you’re getting the best deals for the best laptops.

In This Article I will give you the best laptops list of 2018. This laptops are with high specifications which you can use it for your work. So this article is going to be very short because i don’t want to write deap i just select best laptop that you have to buy in 2018. The Best Laptops to Get Your Hands On In 2018

1. HP Spectre 13

A Windows laptop with the sleekness of a MacBook

best laptops get hands

 

Specifications
CPU: 2.5GHz Intel Core i7-6500U (dual-core, 4MB cache, up to 3.1GHz with Turbo Boost
Graphics: Intel HD Graphics 520
RAM: 8GB LPDDR3 SDRAM (1,866MHz)
Screen: 13.3-inch, 1,920 x 1,080 FHD IPS UWVA BrightView Corning Gorilla Glass WLED-backlit display
Storage: 256GB SSD (PCIe; NVMe; M.2)
Reasons to buy
+Sleek and lightweight+Tactile keyboard
Reasons to avoid
Standard 1080p displayMushy trackpad
 

2. Dell XPS 13

best laptops get hands

Simply one of the best Windows laptops in the world

Specifications
CPU: 1.8GHz Intel Core i7-8550U (quad-core, 8MB cache, up to 4.0GHz)
Graphics: Intel HD Graphics 620
RAM: 16GB DDR3 (2,133MHz)
Screen: 13.3-inch, Ultra HD (3,840 x 2,160) UltraSharp InfinityEdge touch display
Storage: 1TB PCIe SSD

The Dell XPS 13 has been a regular of our best laptops list for years, and the 2019 model is no exception. It retains everything we’ve come to love from Dell’s flagship 13-incher, from the gorgeous and light design, to the powerful modern components that power it. The Dell XPS 13 rocks an 8th-generation Intel Core i5 or i7 processor and a bezel-less ‘Infinity Edge’ display, this Dell XPS 13 continues to be the most popular Windows laptop in the world. What’s more, there’s a wide range of customization options, so you can really make the Dell XPS 13 the best laptop for your needs.

 

3. Microsoft Surface Book 2

The ultimate Windows 10 hybrid laptop

Specifications
CPU: 1.9GHz Intel Core i7-8650U (quad-core, 8MB cache, up to 4.2GHz with Turbo Boost)
Graphics: Intel UHD Graphics 620; Nvidia GeForce GTX 1060 (6GB GDDR5 VRAM)
RAM: 16GB LPDDR3 (1866Mhz)
Screen: 15-inch, 3,240 x 2,160 (260 ppi) PixelSense display (3:2 aspect ratio; 1600:1 contrast ratio)
Storage: 512 GB PCIe 3.0 SSD
Reasons to buy
+Massively powerful for a 2-in-1+Battery life is excellent+Screen is superb
Reasons to avoid
Surface Pen is not includedDrab grey finish
 

 

The Best VR Headset to Buy 2019

Best VR Headset : Welcome to Revech round-up of the best Virtual Reality Headsets on PCs, phones and consoles you can buy in 2019.

vr

You can use it to physically explore new worlds rather than merely look around them—albeit only a limited number of worlds are available that are worth exploring. And it will immediately convince you that virtual reality is worthy of the praise it has received. We have Selected some of the best vr virtual reality headsets for you.

First things first: The Vive is the quintessential VR experience—and it absolutely is an experience. The sense of freedom you get while walking through a realistic virtual space, whether it’s a mountain cliff or an imaginary room, is significantly better than the already impressive experience it provide while you’re sitting. I found myself leaping backwards when I glanced down and saw I was on the precipice of a cliff or walking around ‘objects’ I easily could have walked through. Your brain takes very little time to accept the artificial world that your eyes see.

Now that virtual reality (VR) has proved itself as a mainstream form of entertainment – and not just an over-priced tech fad for early adopters – there are lots of different ways to get your home kitted out for the best of the best VR experiences.

But the problem is that picking a VR headset isn’t easy, especially now there are more and more headsets coming to market with many offering different kinds of experiences, different kinds of hardware, different requirements and a lot of great deals to confuse matters even more.

The good news for those serious about VR is that the premium headsets built specially for PC gaming are now much more affordable thanks to permanent price drops. The bad news is now that these discounts make it even trickier to choose the best VR headset that’s right for you.

The best VR headset: HTC Vive

While the HTC Vive has a new low price, it’s still the most expensive of the most popular VR headsets. However, you do get a lot for the money, including industry-leading room-scale tracking.

Taiwanese consumer electronics company HTC on Friday launched virtual reality (VR) system HTC Vive for the Indian consumers that includes wireless VR controllers, room-scale movement and head-mounted display with a built-in camera.

Specifications:-

  • Enjoy hundred of games on SteamVR and Viveport platforms
  • An adjustable headset and multiple eye relief adjustments, including lens distance and IPD, make Vive comfortable and clear.
  • Wireless controllers designed just for VR make for natural and intuitive interactions.
  • Media format: VIVE Pre set up runs on online games that are downloaded on VIVE compatible laptop
  • Platform includes : Viveport and Operating system includes Windows – 7 SP1, Windows – 8.1 or later or Windows – 10
  • Buy HTC Vive today and Get 1 – month access to VIVEPORT Subscriptions
  • 3 Free VR Titles – Google Tilt Brush, Richie’s Plank Experience and Everest VR

Sony PlayStation VR Headset

Virtual reality has made it to consoles, and it’s stunning

There’s no getting around the fact that in order to run either the HTC Vive, HTC Vive Pro or the Oculus Rift you need a pretty substantial gaming PC, which is a hefty investment for most people. This is the Best VR Headset of 2018.

Specifications:-

  • Contains: PlayStation VR headset, Processor unit, PlayStation VR headset connection cable, HDMI cable, USB cable, Stereo headphones, AC power cord, AC adaptor, PlayStation VR Demo Disc
  • Games Come First – With gamers in mind, PlayStation delivers a new world of unexpected gaming experiences through PlayStation VR.
  • Just Plug and Play – Getting into PlayStation VR couldn’t be easier. Just plug the PlayStation VR headset and your PlayStation Camera into your PlayStation 4 system. Sold separately.
  • Advanced VR Display – Seamless visuals keep you connected to the virtual world through an expansive 5.7″ OLED 1080p display running at up to 120 frames per second.

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