Keeping Resale Value in Mind When Buying a Car

Better water better life
Puffy Lux

If you’re in the market for a new car, you may be thinking about comfort, features and price. One thing you may also want to consider is the vehicle’s potential resale value. Here are a few things to keep in mind about your next car and its resale value.

Why Resale Value Matters

If you eventually plan to sell your car or trade it in when you buy a new vehicle, its resale value will be a big factor in how much money you can get for it, says AutoGuide.com.

Wiper Blades USA

Also, if your car is totaled, your auto insurance provider would pay you the actual cash value of the car at the time of the accident (depending on your coverage). Actual cash value is determined using factors such as the typical resale value of the car at the time of the accident, previous damage and depreciation. So even if you don’t think you’ll be selling your car, you may want to consider how well it retains its value over time.

Consider What’s Popular

AutoGuide.com states simple supply and demand come into play with resale value. Sometimes certain vehicles are more popular than others. For instance, you may like a smaller coupe or a family sedan, but maybe SUVs and trucks have been in higher demand for a few years. If you get a car that’s too niche or simply not in high demand, it may be harder to sell it in the future.

It may be helpful to do some research on websites like Kelley Blue Book (KBB) or Edmunds to get an idea of which makes and models consistently have high resale value, too.

Go for a Standard Color

Simply put, neutral colors are more likely to help boost your car’s resale value. Sticking to colors such as silver, white, gray and black tend to be a safe bet, according to KBB. If you buy a car that’s an unusual, such as green or purple, fewer people might be interested when you go to sell it in a few years.

Choose Automatic Transmission

Roughly 2 percent of new cars sold have a manual transmission, says CARFAX. Most drivers are looking for a car with an automatic transmission, so you may want to avoid purchasing a new car with a stick shift.

Maintaining the Resale Value of Your Car

car’s value drops about 20 percent in the first year of ownership, according to CARFAX. Here are a few things you can do to help maintain its resale value.

Mind the Mileage

If a car has either higher or lower mileage, it can affect its value, according to Cars.com. (CARFAX says around 10,000 miles per year is typical.) If a car has high mileage, it may not have as much life left as a similar car with lower mileage. However, Cars.com notes that a car with very low mileage may have problems from not being driven regularly or indicate it wasn’t driven much due to problems. You may want to limit the miles you add to your vehicle so the resale value doesn’t drop, but also make sure you use it regularly to help avoid mechanical issues.

Keep Up with Maintenance

Routine maintenance and making repairs when necessary go a long way toward keeping a car in good shape. CARFAX states that routine oil changes and replacing worn out parts can help keep a car from depreciating in value. Similarly, Cars.com says it’s also important to keep the car looking good — so make sure it’s fixed properly after an accident and that you keep the interior clean and fresh.

Keep the Warranty

Warranties often transfer over to the new buyer, says Auto Trader. If your vehicle still has a warranty, you may want to sell the car before the contract runs out. That’s something buyers may find appealing, and you may be able to get a little more money for a car with a warranty. Check with the warranty provider to be sure it will transfer, but it could be a good selling point if it does.

If you’re looking for a new car, you may want to consider its future resale value as you shop. Choosing a car that will appeal to buyers down the road and keeping it in good shape may help you get the most for it when you’re ready to sell or trade it in.

Originally published on August 25, 2015.

Tips to Keep Top of Mind When Buying a Used Car

Better water better life
Puffy Lux
Buying Used Car

Tips to Keep Top of Mind When Buying a Used Car

The used-car buying process isn’t always fun. Follow these simple steps to protect yourself.

Buying a car is a big decision. Whether choosing a new or used vehicle, stepping onto a car lot or into a dealership and being confronted by a more-than-enthusiastic salesperson who you know works on commission can create a mixture of anxiety and frustration. It’s a tough job that usually gets little respect from consumers and serves as a stereotype – often unfairly – for anyone who’s willing to shake your hand while simultaneously reaching into your pocket.

Wiper Blades USA

The used car business is changing, though. Shoppers no longer have to drive to a dealership today to find out what models are available, how much they cost and what financing options are available. Now, it can all be done on the internet or on an app. In some cases, you don’t even have to leave your couch to buy a car, truck, SUV or crossover because some companies will actually bring the vehicle directly to you at home.

While all of that convenience and information is right at your fingertips, there are still a few things to remember when it comes to shopping for a used car:

Know how much car you can afford and stick to it
One of the biggest mistakes you can make is getting talked into a car that’s beyond your price limit. Experts suggest keeping your monthly car payment below 20 percent of your take-home pay. If you’re on a tight budget, that should be even lower. Don’t just think in terms of a monthly car payment, either. There are other costs associated with a used vehicle, including insurance and maintenance. The older a car is, the higher maintenance expenses are likely to be.
Develop a list of cars you’ll consider
Before you even start the process of shopping for a used car, think about what type of vehicle you want. If you have children or pets and need to tote them around comfortably, you might rule out two-door cars in favor of a sedan, SUV or hatchback. If you drive a ton of miles from home to work and want a hybrid or electric car so you can save gas and help the earth while you’re commuting, that will reduce the number of vehicles you consider. Check reviews of the cars you’re thinking about to see how they are rated for comfort, drivability and reliability. Safety features are an important factor and you should also check if the vehicle has been recalled for any major issues. Always make sure the dealership has taken care of any recalls before you purchase. That can help you narrow down your list pretty quickly.

Also, think about how far you’re willing to drive to a car lot or dealership to pick up the used car of your dreams. Dealership websites, phone apps and other tools make it easy to search used cars from the comfort of home.

Determine the car’s value
Once you’ve narrowed down your choices, consult a site such as Kelley Blue Book to determine a car’s true value. You’ll need information such as the car’s year, make and model as well as options, mileage and overall condition. Dealers often build a cushion in their pricing to account for negotiations. Knowing what similar cars are selling for in your area will help in negotiating the best price.
Run a vehicle history report
Before agreeing to a purchase, run a vehicle history report from a site such as CarFax or AutoCheck to determine if it has a clean title, if it’s been in an accident or flood and if it was determined to be totaled by an insurance company. The report can also aid in determining if the car’s odometer has been tampered with.
Have it checked by an independent mechanic
Watch any daytime court TV program and you’ll likely see a case where someone bought a used car and found out days later that it had serious mechanical issues. In nearly all of these cases, the buyer failed to have the car inspected before signing on the dotted line. Hiring an independent or trusted mechanic to do a pre-purchase inspection can save you thousands of dollars in the long run. If a dealer won’t allow you to have the car inspected before buying it, walk away.
Consider purchasing a certified pre-owned vehicle
Buying a certified pre-owned car can offer you peace of mind and some additional perks. Typically, these vehicles have low mileage, are thoroughly inspected before being showcased on a lot and offer a manufacturer’s warranty (sometimes extended) to cover any repair costs. Car dealerships that sell these cars may also entice you with special rates on financing plus packages that may include roadside assistance, free Sirius XM radio for a limited time and even complimentary oil changes. Certified pre-owned vehicles likely will cost more, though, even for the same make and model as you’d see at an independent dealer, mom-and-pop lot or private seller, according to Consumer Reports.
The bottom line

A car is one of the biggest purchases you’ll make in life, and purchasing a used vehicle can be a great way to get the most for your dollar. Don’t hastily jump into a deal before searching around and doing your homework on what a car is truly worth.

Buying a car from private party, some questions.

Puffy Lux
Better water better life

I live in CA. How would I get insurance set up before I cam start driving? It's my first time buying insurance. I already have it set on the car I currently drive. Since we're on the same topic, what do I need to do in the DMV? Register the car under my name? Buy license plates?

Roses

And is it cheaper to stick to the same insurance company and add insurance on the new car, or get a different policy on a new company? I plan to drive two cars for at least a few months. Thanks

submitted by /u/Hypepoxic
[link] [comments]

4 Tips for Buying Car Insurance

Better water better life
Puffy Lux

Like most things in life, a one size fits all policy doesn’t exist when buying car insurance. State minimums are a good place to start but those often don’t provide enough coverage to protect you and your family. Depending on your car’s make, year and model, a car insurance policy containing full collision coverage and all the bells and whistles may be too much. So how do you go about buying car insurance that offers the right amount of coverage at the best value? The key — talking openly with your insurance agent.

Tip #1: Shop Early

The best time to shop for a new car insurance policy is before your current policy expires, when a new driver is coming on board, or when you purchase a new vehicle. You can typically get a discount if shopping before your current policy expires. Start looking 30 days ahead of your policy’s expiration to ensure you have everything lined up in time. Likewise, different carriers provide better rates for new drivers and certain luxury car brands. If you have a new driver in the house or purchase a new vehicle, a SelectQuote agent can shop a full network of carriers to find a policy that meets your needs at the best price available.

	 GlacialPure Filter for Frigidaire WF3CB, PureSou

Tip #2: Be Prepared

When buying car insurance, follow the Boy Scout motto and be prepared. Before you jump on the phone with your agent, have your old/current car insurance policy, driver’s license and VIN number on hand. Your SelectQuote agent will ask you a series of questions before searching their database of 18-20 A-rated insurance carriers to find the best policy for your needs.

Basic Information Needed for a Car Insurance Quote

Your agent will need to know:

  • Full name
  • Address
  • Date of birth
  • Driver’s license number
  • Vehicle VIN
  • Driving record
  • Requested coverages

Tip #3: Ask Smart Questions

You can also ask your SelectQuote agent questions to ensure they have all the needed information to find the best policy for you.

Questions to Ask When Talking to Your Car Insurance Agent

Consider asking:

  • Are my coverages up-to-date? What should I modify or change?
  • Do I have enough coverage to protect me and my family?
  • What add-ons are available? How much will it cost to add on rental car reimbursement, roadside assistance and other add-ons that can help me should I have an accident?
  • What discounts are available for multiple cars and drivers insured through the same carrier?
  • Do I qualify for any discounts if I bundle my home and auto insurance?
  • Are discounts available for lower mileage and how do I qualify?
  • What accident forgiveness options are available? (If needed)

Be upfront with your agent and provide all of the needed information. Having an open and honest conversation about your needs and driving history will allow your agent to find the best car insurance quote for you. The entire process will last around 10-15 minutes.

Tip #4: Avoid The Biggest Pitfall of Buying Car Insurance

Sue Callis, a regional coaching manager for SelectQuote, warns the biggest mistake people make when purchasing a car insurance policy it comparing their rates to their neighbor’s. Your rates are based on your vehicle’s year, make and model, as well as your personal insurance score. Your insurance score takes into account many factors, including your insurance carrier and how long they’ve insured you, your driving record and your credit. Therefore, your neighbor could be the same age and drive the same car as you, but qualify for a different insurance rate.

In the end, finding the right insurance carrier and policy comes down to a mix of coverage, value and experience. Look for a car insurance carrier who not only provides the best rates and coverages but provides professional, A-rated service. You only use your insurance when you have a claim. And it’s at those times when you most need someone who is responsive, compassionate and quick to help. Your SelectQuote agent will help you discover the best car insurance policy to ensure you are not under or over insured, but that your policy is just right. Start your free car insurance quote today and see how you can save.

Free Quote

Related Articles

How Much Car Insurance is Enough

Want Lower Car Insurance Premiums? Choose Your Car Carefully

Buying a New Home? 4 Tips for a Smooth Transition

Puffy Lux
Better water better life

This post was contributed by our friends at Ladder.

If you’re a family with young children, summer is a prime time to focus on buying a new home, so you can get everything squared away before the start of the school year.

Once you’ve found your home, done the inspections, figured out your financing and closed the deal, here are 4 things you may want to consider to make your transition as smooth as possible.

1. Replace keys and locks

Your home is your castle and you want to make sure it’s safe. Consider updating all the locks on your new home so you don’t have to worry about old keys floating around with people you don’t know. Installing new door hardware can be fairly simple, and simple door knobs and deadbolts can be found at most hardware stores, making replacement a DIY job. After you install your new locks, make enough keys so you can leave backups in safe places. Also give a key to someone you trust so you don’t have to pay oodles for a locksmith if you lock yourself out as you get used to your new routine.

Depending on your location, this is also a great time to consider installing home security features such as alarm systems or doorbell cameras.

2. Kid-proof your home

If you have small children or pets at home, spend some time identifying potential dangers and addressing them.  Keep cleaning chemicals in cabinets with secure latches and check cords on blinds and window treatments to make sure they are not within reach of children who may get tangled Putting bumpers on furniture and making sure larger pieces are anchored to the wall in case of earthquakes are also good ideas. It can be helpful to switch out outlet covers or use outlet plugs to make sure the wrong objects don’t wind up in an electrical socket. Create a fire plan for your new home, and make sure your family knows where to go if there is a fire, and where the fire extinguishers are located. It’s also a great time to brush up on how to effectively use a fire extinguisher. For pets, make sure to minimize the number of exposed cords or wet spots (pools) or hot spots (e.g., electric heaters) that pose a risk.

3. Update your address

Not only do you want friends and family to mail you at your new home, you also want to make sure important things like DMV notices, bills, and mortgage reminders are sent to the correct address. Your local post office usually offers a mover’s guide and you can request an official change of address with the US Postal Service. Don’t forget that mail forwarding ends after a certain amount of time, so sending a change of address email or card to those you want to hear from is a good idea.

4. Revisit your life insurance coverage

While you’re finalizing your home purchase and homeowners insurance, take a look at your life insurance plan to ensure that your family will have the financial stability it needs to enjoy a long and memorable life in your new home. Your life insurance coverage needs usually depend on the size of your mortgage, your income, the value of your other assets that help support that mortgage, and some individual preferences. Having life insurance that covers at least the balance owed on your mortgage ensures that your partner won’t have to shoulder the burden of large monthly mortgage payments if something happens to you. Your family would receive a lump sum payment that could be used to pay off your entire mortgage.

If you’ve been putting life insurance off for a while, your new mortgage is a great reason to get covered. The benefits of doing so are many, including invaluable peace of mind as you settle into your new home, knowing that your family will be financially secure.

With Ladder, getting and managing life insurance is simple. Apply in 5 minutes online and get an instant decision. If approved, you’ll enjoy reliable coverage with maximum flexibility. With just a few clicks, you can lower or apply to increase your coverage as needed. Ladder’s calculator makes it easy to figure out how much coverage you might want to get.

Check off some of these homeowner to-dos and rest easy with these long summer evenings. More importantly, enjoy making memories in your new home.

Home safety | Smart home

When buying a car, do I need to put my moms name on the title/registration of the vehicle if I will be using her insurance plan?

Better water better life
Puffy Lux

I’m already listed as a driver on her insurance plan for the car that we share. So can I buy the car by myself and put the title/bill of sale other dmv paper work and registration in my name or will my mom have to be there for all of that to put her name on those??

submitted by /u/Adilla_tha_Ki114
[link] [comments]

Confusing Home-buying Terms (And What They Mean)

Puffy Lux
Better water better life

Roughly a third of Americans plan on buying a home within the next 5 years. If you’re among the bunch, then you may’ve already come across a few, ahem, inscrutable terms that make your head spin. Hey, we get it. That’s why we’re going to help demystify common but confusing home buying jargon. That way, getting into your new digs can be … well … surprisingly painless. 

Adjustable Rate Mortgage (ARM)
An ARM is a mortgage whose interest rate changes over time. That means your interest rate — and monthly payments — may go up or down depending on changing market conditions. Many ARM’s will have a fixed period. The most popular being the 5/1 ARM. All that means means is you get an introductory rate that stays the same for 5 years. After that it can change every year until the end of the loan period. Most ARMs have a “cap,” which limits how much the interest and loan payment can change every year and over the life of the loan.

Amortization
This is just a fancy word for fixed payment schedule. It outlines how you’ll pay off a debt, like your mortgage, over the course of specific time period.

Annual Percentage Rate (APR)
An APR is the annual interest rate charged by a lender for borrowing money from them. In the case of a mortgage loan, this number usually includes upfront fees and charges.

Closing Costs
These are costs that the buyer and seller must pay to complete the sale. Things like appraisal costs, credit reports, document prep fees, etc. Closing costs typically come out to around 2-7% of the property’s sale price, but the exact number depends on the specific terms of the sale.

Escrow
When two parties are about to complete the sale of a house, a third party’ll hold onto the funds until all conditions of the sale are met. This is called an escrow account (or sometimes an impound account). Usually these conditions include a home inspection. Once those conditions are met, the money can be transferred to the seller.

Fixed Rate Mortgage
In a fixed rate mortgage, the interest rate stays the same for the entire life of the loan. It’s important to note that your actual mortgage payments can change depending on if your homeowners insurance rates or property taxes go up or down. Fixed rate mortgages typically come in terms of 30 or 15 years.

Origination Fee/Points
An origination fee is the amount of money a lender charges to process a loan application or create a new loan. The amount is usually a small percentage of the total mortgage loan price. 

Private Mortgage Insurance (PMI)
If a borrower has less than 20% for a down payment on a property, then they’ll likely have to pay their mortgage lender something called PMI. This is basically insurance for the actual mortgage payments. It assures the buyer’s skin’s in the game and protects the lender if they default on their loan. PMI usually costs a percentage of the entire annual mortgage amount.

And if you’re thinking of making an offer, make sure you have homeowners insurance lined up. Your lender’ll more than likely require it before closing and for good reason. 

A standard policy covers your homeother structures on your propertyyour belongings at or away from home. It even covers your liability and helps pay for temporary housing if your home’s ever unlivable after a covered event. Start a quote with Esurance today, enjoy your new digs sooner.

All the news

Avatar

about Rebecca

Rebecca is a freelance copywriter and editor living in the SF Bay Area with her husband and two kids. She enjoys productively channeling her anxiety into safety-minded articles for home and garden, running with her robot trainer, and advocating on behalf of the Oxford comma.

Tips for Buying a Foreclosed Home

Puffy Lux
Better water better life

Buying a foreclosed home can be challenging. But for the right buyer, it can also be an incredible opportunity to get into a home for an amazing value. Purchasing a home that’s in foreclosure is a very different process from buying a standard home. Foreclosed homes that are sold as-is often need costly repairs and typically leave very little (or no) room for negotiation. Here’s what you should know before you start the process.

LA Series

What’s REO?

REO is an acronym for “real estate owned.” An REO property is one that’s been foreclosed on by a bank and is now owned by the lender.

What’s a HUD house?

A HUD house is a property whose mortgage was previously insured by the federal government. HUD houses typically go to market about 6 months after a foreclosure, with local governments getting first dibs on the opportunity to purchase. If no such offer comes to pass in the first 10 or so days on the market, the listing will become available to other buyers.

Tips for buying a foreclosed home

Here are some easy things you can do to make the process less painless.

1. Find a broker who specializes in foreclosed homes

Rather than beginning your search with the house hunt, start by looking for an experienced broker who can help you navigate the oft-bumpy road of buying an REO property. Banks typically hire brokers to manage their REO load, which means you can work with the broker directly (eliminating the need for 2 brokers). These experienced professionals will have an inside track on available foreclosed properties, sometimes with access to homes not yet listed in public databases.

2. Get pre-approved by a lender

The pre-approval process is how a potential lender determines how big of a loan you qualify for, based mostly on your credit score and income. Once you have your broker locked down, you’ll want to start the process by getting a pre-approval letter from a lender. This isn’t necessary if you’re prepared to make all-cash offers on a property. But if you’re planning to finance a home, then you must get pre-approved first.

3. Do your research

Before jumping on a property, do your due diligence. Look at what similar properties in the neighborhood have recently sold for (aka “comps”), which’ll help you gauge both the property of potential properties and how much to offer once you find a home you like.

Tour houses in person, being sure to visit neighborhoods you’re looking at in the morning and at night. Ask questions of neighbors. Look into crime statistics. Check for pests, landscaping issues, indoor plumbing, and sewer lines for existing or potential issues. And find out how long the house has been vacant. Deferred maintenance because of vacancy can mean more repairs for a potential homeowner.

4. Initiate private inspections

You may be required by your lender to get a home inspection. But even if it’s not a requirement and you need to pay out of pocket for one, experts strongly encourage serious buyers to initiate a home inspection. In addition to identifying costly deficiencies to the existing property, inspectors may also be able to flag items that can be big (and expensive) problems down the road.

Want to learn more about why a home goes into foreclosure and what it all means? Check out what you should know about understanding foreclosure.

Safe and smart

about Rebecca

Rebecca is a freelance copywriter and editor living in the SF Bay Area with her husband and two kids. She enjoys productively channeling her anxiety into safety-minded articles for home and garden, running with her robot trainer, and advocating on behalf of the Oxford comma.

How to Look your Financial Best Before Buying a New Car

Better water better life
Puffy Lux

This post contributed by Simon Zhen of MyBankTracker.

Say you’re intent on getting a new car. But maybe you’re worried your financial picture isn’t good enough.

Of course, a good credit score helps, whether you’re leasing a car or taking out an auto loan. But if you want to put yourself in the best possible position to get a new car, there are things you can do to make your credit sparkling clean. See how to get the best deal on your new ride.

Why your credit score matters

Your credit score represents your ability to borrow and repay money. When you lease, you’re technically borrowing a car. And when you take out an auto loan, you’re borrowing funds to purchase a car. But with a good credit score, you increase your chances of qualifying for better lease terms —usually in the form of a lower down payment.

And if you go the buying route, a solid credit score means you’re more likely to be approved for an auto loan. Additionally, you may qualify for lower interest rates. Over the course of the loan, you could save thousands of dollars in total interest paid.

How your credit score is calculated

By understanding the basics of how your credit score is calculated, you can take the necessary steps to improve it (or avoid hurting it).

The FICO credit score is a key scoring model to use because, according to them, it’s used by more than 90% of U.S. lenders.

Here are 5 factors and how much they contribute to your FICO credit score:

  • Payment history (35%)
  • Amounts owed (30%)
  • Length of credit history (15%)
  • Credit inquiries (10%)
  • Credit mix (10%)

Payment history is responsible for the bulk of your credit score. Simply put, you want a history of making payments on time.

Amounts owed show how much of your total credit is being used. A commonly-used term is debt utilization ratio, which is calculated by dividing your total debt balances by your total credit limits. Generally, you’d use less than 30% of your borrowing potential.

Length of credit history is the average age of your credit lines. So your score will benefit with credit lines and loans that’ve been opened for a long time. This is the reason why many financial advisors will tell people not to close their first credit card.

Credit inquiries are records on your credit report showing you’ve applied for a new loan or line of credit. Every new loan application will cause a temporary drop in your credit score. If you apply for new loans regularly, too many credit inquiries will look like you’re desperate to borrow.

Credit mix simply represents the different kinds of debt you have. Various types of debt could show you’re able to handle different loans and repayment formats.

5 ways to increase your credit score

Since you want to get a new car as soon as possible, you’ll want to boost your score quickly.

Here are 5 ways you can do so in about 30 to 60 days:

1. Check your credit report and dispute any errors

Incorrect information on your credit profile could contribute to a lower credit score. For example, a credit bureau could’ve mistaken you for another person with the same name and recorded this person’s poor credit history under your credit report. Or, it could be something as small as a late credit card payment that never actually occurred.

Whatever the error may be, it could have a negative impact on your credit score. By disputing these errors and having them removed, you could experience a quick (and big) boost in your credit score.

2. Remove delinquencies

It looks bad when your credit report shows a history of missed payments and credit lines in default.

Whether these delinquencies are still hanging around or not, it’d be wise to ask creditors to remove them from your credit report. This may mean you’ll have to pay off any or part of the debt that’s owed.

3. Request credit limit increases

One of the fastest ways to boost your credit score is to ask existing credit card issuers for a higher credit limit. By increasing your credit limit, you’ll drop your debt utilization ratio. Which means you’ll be using a lower percentage of your borrowing potential.

Note that you may need to agree to a credit check for a credit limit increase. This could cause a drop in your credit score. So you might prefer to withdraw your request to avoid this hit to your credit.

4. Pay down a loan balance significantly

Not surprisingly, showing you’re able to pay off your debt is a sign to auto lenders that you can handle more debt. So pay it down. It’ll help decrease your debt utilization ratio.

5. Avoid applying for new credit and closing existing credit

When you submit an application for a new loan or line of credit, your credit report gets pulled for review. This action will result in a temporary drop in your credit score.

On the other hand, closing a credit line could also result in a dip in your credit score because you lose access to that credit line, which contributes to your total borrowing potential.

Generally, when you know you’re going take out a car loan in the near future, you should avoid these 2 actions until you’ve been approved for the car loan.

It’s worth the wait

If you take the time to improve your financial picture, you just might be able to reduce the total cost of leasing or buying a car. So put in the work to boost your credit now. You’ll be happy you did.

Simon Zhen is a research analyst for MyBankTracker. He’s an expert on consumer banking products, bank innovations, and financial technology. Simon has contributed and/or been quoted in major publications and outlets including Consumer Reports, American Banker, Yahoo Finance, U.S. News & World Report, The Huffington Post, Business Insider, Lifehacker, and AOL.com.

Safe and smart

how will buying auto insurance help you is insurance tax deductible what does medical coverage

how will buying auto insurance help you is insurance tax deductible what does medical coverage
Puffy Lux
Better water better life

Houston Attorney Eric Dick Law Firm Property Damage Home Insurance Claim Specialist Hailstorm Wind Roof Allstate State Farm USAA Liberty Mutual Lawyer Multistreaming with https://restream.io/