Only 4 months old tiny shepherd souls scheduled to be euthanized, tanner is living on borrowed time!

Guide To Van Insurance Policies

The law requires that you be insured as a van driver. This is to ensure that you are fully protected when you injure another person or damage another person's property. You are supposed to have an insurance policy in place unless you are registered as off road.

Types of van insurance policies

There are plenty of insurance policies that you can choose from. The most common ones are:

Third party only (TPO): This is the minimum level of insurance cover that you need into drive legally on the road. The insurance company pays for the damages caused on others but it won't pay for your losses. This means that you are liable for the repair costs of your van in the event of an accident or theft. Due to the simple nature of this insurance, it's cheap.

Third-party, fire and theft: This policy covers you in the event of an accident that came about as a result of your fault. In addition to covering you, the policy will also cover the damage caused to another vehicle, property and if people were injured in the process, the policy pays for the people's medical treatment. This policy also covers you from theft. When your vehicle is stolen it's good to note that you will have to pay the excess. This is usually the first amount of claim that you are placing.

Fully comprehensive: It's the most extensive insurance cover. It provides you with protection against damage to your van, your property, and even to yourself even if the accident was your fault. The cover will provide you with protection against loss of personal effects, damage to your vehicle, medical expenses, and even breaking of the windscreen. You should note that the policy doesn't cover you in the event your van breaks down. If you want to be protected you have to get a separate van breakdown cover policy.

Getting the van insurance cover

Different companies sell their policies at different amounts. It's up to you to research and find a company that will sell you insurance cover at a favorable amount. You should visit different companies and collect quotes. When the companies are determining the amount that they will charge you they consider a number of factors such as: your claims history, occupation, use of the vehicle, and security.

Just like when you are getting other car insurance policies, there are a number of things that you can do to lower your premium. Some of the things that you can do include:

Secure your van: As you have seen, one of the factors used to determine your premium is the security of your vehicle. To pay a lower premium you should install security features in your vehicle thus making it difficult for people to break in or steal your vehicle. Some of the things that you can do include: installing an immobilizer, tracker or an alarm.

Buy a small van: The engine size and the physical size of the van are of big impact. Big vans are said to cause more damage in the event of accidents thus attract a higher premium. If you don't need a powerful machine, go with a smaller van and pay a lower insurance premium.

Temporary van insurance or short term van insurance as it's also called is a form of insurance policy where you are provided with an insurance cover for only a short period of time-usually 1-28 days. This policy is ideal when you are looking to use your van for only a short time. This can be when moving a house, clearing out your garage or collecting a large purchase. It's also recommended that you get the cover if your van is your backup vehicle. To be protected when you need to use it, you should get the temporary cover.

How the temporary cover works

If you are interested in the temporary cover you only need to visit your favorite insurance company. When getting the cover you should note that most of the companies have age restrictions. Most of the companies won't give you a cover if you are below 21 years and above 75 years. While this is the case, it doesn't mean that you can't find a cover that will protect you if you are out of this age bracket.

Insurance companies will also pay close attention to your driving history. You will have a hard time getting insured if you have many traffic violations in your records. Other factors that the insurance companies consider include: your income and type of van.

When you are getting cover for your van you should get the one that will provide you with optimum protection and meets your needs. There are two main types of covers that you can go for: third party and comprehensive. Third party cover is cheap but it won't protect you-it protects the other person. To reduce the risk you should go for the comprehensive cover that covers you and another person that might be injured in the event of an accident. While this cover will be expensive, the extra cost is totally worth it.

When getting the temporary insurance cover, pay close attention to the level of excess that you will be required to pay when you are making a claim. As rule of thumb, ensure that you will be able to afford to pay the amount. Regardless of the length of time that an insurance policy is valid, most of the covers have optional extras. You should take a look at them and choose those that are of value to you. For example, if you feel that the breakdown feature will be of value to you, go for it.

Conclusion

There are plenty of benefits that come with temporary van insurance covers. In addition to saving you a lot of money as you don't have to get the annual cover, the policy also gives you peace of mind as you know that you are protected even if you will be using your van for only a short time. To have an easy time and enjoy your cover, you should be cautious of the insurance company that you work with. As rule of thumb, ensure that the company is reputable and the policies go at affordable prices.

A temporary van insurance policy sets your mind at peace as you know that you are covered even if you are using your cover for only a few days.

TANNER is the best pup ever! He's super cute and really knows how to use his cuteness to his advantage. He's a tiny lover with a huge heart! This little guy will surly make you smile daily and laugh often! Milo is about 2 lbs and is only 4 months old.

This sweet boy came in with no tag or chip and he needs help fast, the Shelter is FULL! Please SHARE for his life, he's SO special and a FOSTER or ADOPTER would save him.

I'm a German Shepherd X Male, 4 Months 16 lbs Brown
Cage 58- TANNER
Impound # 15926

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Roswell Animal Control
705 E. McGaffey
Roswell, NM
(575)624-6722
Ask for information about animal ID number #15926

STATUS : - read comment for update from crossposter

FB threat here
Cheap Comprehensive Car Insurance

Once of the important choices, you need to make when researching the right policy, is whether or not to add comprehensive insurance. This extended coverage is also referred to as "full cover insurance" and provides a greater level of vehicle protection. Let's take a close up look at the definition first. Comprehensive insurance is coverage for damage that's been inflicted to your vehicle that's not connected to an automobile collision.

The things covered can be quite broad but also very rare in some instances. Here is a short list of the most common comprehensive claim occurrences.

* Vehicle Theft

One of the main reasons people buy this type of insurance is protecting the value of their car, in the event it is stolen. Automobile thefts are escalating and not just for expensive luxury cars. Take a look at the top 10 most stolen vehicle list, and you will see Honda Accords, Civics, and even the Toyota Camry. If you park your car on the street in an urban area, you should strongly consider adding full cover auto insurance on your policy.

* Glass Breakage

Have you ever cruised behind a dump or garbage truck only to have something come flying at your windshield at 60+ MPH? Probably so and for many people, it happens every year or two. This is yet another reason why comprehensive ins might make sense to you. Under this plan, if your windshield is busted, you can get it replaced. You will have to pay a deductible, though.

* Animal Damage

Believe it or not, thousands of automobiles get hit by animals each year, hard enough to cause vehicular damage. Even large dogs can strike a car and cause dents, not to mention a 600-pound deer. If you live in an area that has lots of wild animals, consider getting comprehensive protection.

* Weather Events

There are numerous weather related things that could inflict damage to your car. A flood might completely ruin your car's electronic system, or a tornado might pick it up in the air and completely total it. Even a mild windstorm can cause heavy branches to fall and hit your vehicle, causing severe damage.

* Vandalism

Some people do nasty things, and this includes vandalizing other people's private property. This can be tire damage, "keying" or even smashing your vehicle due to rage. This is why it's always important to not only get enhanced insurance if you can afford it but always garage your car in a secured area.

Mandatory Comprehensive Auto Insurance

There are some situations where you may be required to get comprehensive ins. The main one is if you're leasing or financing a car. Lenders need to protect the value of the loan amount they've invested, and they do this by making this enhanced coverage mandatory. Also, even if you pay for your car in full, if it is worth more than $25,000 you should probably get full cover ins.

Another fact worth noting is many insurers will not let you buy comprehensive insurance unless you first add collision onto your policy. These 2 types of coverage go together and provide excellent protection for almost anything that can happen on and off the road.

How to get Cheap Comprehensive Car Insurance

Although this type of insurance is more expensive than "bare-bone" liability plans, there are a few helpful tips that can bring your costs down quite a bit. The first thing you should do is get a higher deductible. Many people think it should be low, like $250 or $500. Raise it to $1,000, and you can save about 10% or even more. Another tip is to bundle all your cars together and save another 5% to 10%.

There are many things to think about when buying automobile insurance other than price alone. You need to carefully consider all the insurance coverage options, which will play a large role in the cost of your premiums.

It may sound a bit confusing, but getting the cheapest policy may, in reality, cost you serious money down the road. Why you might ask? Getting the state minimum coverage may leave you naked so to speak. In the event you get into an automobile collision, the amount of coverage you need to cover the accident might be considerably more than your policy limits.

Even worse, you could get sued and have your wages garnished. If you hurt another person in an accident you caused and could not pay for all their medical bills, you likely will.

Get the best Car Insurance for Your Needs

Let's stick with the cheapest type of insurance plan, basic liability insurance. If you get the state minimums, you can get monthly rates as low as $30. The problem is, your car could be worth $15,000 or more. If you get into a collision, guess what, your plan would not pay for repairs to your vehicle. If it is completely totaled, that means you have just lost $15K, which is a lot of money.

Now that low-cost liability policy just cost you thousands. Simple public liability and property damage should only be used under certain circumstances. For example, if you have a vehicle that is worth less than $3,000 and you do not drive it much, maybe you can take this risk. Also, if you are a college student with an old ride not worth much, you can take the risk and stay within your budget. However, if you have an expensive car and assets to protect, you are going to need to buy added protection.

The other thing to consider with these cheaper policies is legal liability. The United States is a very litigious country. There are literally tens of thousands of injury attorneys looking for new cases. This means if you get into a vehicular incident that you were deemed to be responsible for, a limited policy can come back to bite you. Let's say you only have protection of $50,000 in medical damages. You check your cell phone while driving, run a red light and T-bone a nice lady in a used Honda. She goes to the hospital for two weeks and racks up $250,000 in hospital expenses.

Her lawyer will immediately sue you for the balance of these costs, which in this example is $200,000. You can go to court and fight this, but it will cost you thousands to hire an attorney. The judge in this example might award the victim the $200,000 plus legal fees, which would more than likely devastate you. There might be a payment schedule of $2,000 a month taken out of your paycheck for ten years. So your money saving $39 a month policy in the long run just cost you a fortune.

The most important thing to think about when you buy auto ins is the protection of your assets. If you make more than $60,000 per year, get a policy that has up to $500,000 in accident coverage. In the event you do get into a serious collision, you will be properly covered and not get financially crushed. You might pay $130 per month and even more for a higher limit plan, but in the long run, it is the smart move to make.

You can take advantage of good driver or senior citizen discounts and save 5% or more. Another great tip is to raise your deductible up to $1,000 or higher. This way you can buy an enhanced ins plan at a lower rate. Just remember to set aside the $1k in the unfortunate event you get into a crash and need to file a quick claim.

Buy Auto Insurance Direct and Save Big

Now that you have selected the type of insurance you want, it is time to shop around for the best rates.

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