You Could Lose Money on Your Car Insurance if You do This

Car insurance isn’t always as cheap as you think it should be. The reality is, there are tons of factors that contribute to your overall insurance cost or how much you’re likely to pay each year.

Many of the reasons for an increase in your insurance policy might come as a surprise. In this article, we’re going to look at what you might be doing wrong if you’re trying to get the cheapest car insurance possible.

So, what could make your car insurance more expensive and make you lose money?

Pick an insurer that doesn’t specialise in your type of car

There are lots of specialist insurers, and some will be used to insuring the sort of car you’ve got. One mistake people make is by not shopping around when they switch vehicle types. You might have just bought a motorcycle and tried to insure it with the same insurer your van is with.

You’ll still get a quote, but this might be more expensive than you think. If you’ve got specific needs, look for an insurer that matches them, like an insurer who specialises in a specific type of vehicle, or a specific type of driver.

If you don’t shop around and compare enough

Don’t simply go with the first quote you find. Laziness doesn’t pay. Save on your car insurance by starting with some online comparison sites and get a wide range of quotes.

Compare them and find the best possible price for you and your vehicle. Remember, some insurers aren’t on price comparison sites, so have a look around to find the best deal.

If you’re too young

Insurers don’t like insuring young people, it’s as simple as that. They’re considered a higher risk and more likely to have an accident. If you’re a young driver and want a cheaper car insurance policy, you might have to consider a specialist insurer, a cheaper (or smaller) car or even installing a black box to help bring your policy cost down.

If you’ve got a poor driving history

Just like insurers don’t want to insure young drivers, they especially don’t want to insure people who’ve got a history of accidents, claims, or driving convictions. The simplest way to get cheaper insurance is to be a safe driver and build up a history of no claims.

If you keep your car in a high-crime area

Insurers also want to avoid areas that are considered high-risk for vehicle theft or other car related crime. That’s why they ask you to enter the location where the car will be stored most often when you apply for a policy.

If you use your car too much

Most insurance policies assume your car usage rate, but they’ll also ask for an estimate when you apply. If you use your car a lot, you could expect to pay a bit more.

If you want full coverage

Some cars simply aren’t worth taking fully comprehensive insurance. These policies are more expensive, so if you want to save money, you might want to avoid them.

If you buy the wrong car

Fast, new or large engine cars are more expensive to insure. They will be more attractive to vehicle thieves and could also be considered more dangerous to drive.

Hopefully, these tips should be enough to get you heading in the right direction towards cheaper car insurance.

The post You Could Lose Money on Your Car Insurance if You do This appeared first on ThingsMenBuy.com.

from ThingsMenBuy.com https://www.thingsmenbuy.com/you-could-lose-money-on-your-car-insurance-if-you-do-this/
via IFTTT

The 5 Drivers You’ll Encounter

On the road, it goes without saying there are a few different drivers out there. You can categorize them loosely just to get an idea. All different kinds of vehicles out there in many colors, shapes, and sizes. With these vehicles come with all different kinds of drivers out there that can really grind your gears. So let’s see what types of drivers are out there on the road when you are driving!

Drivers That Can Mess Up Your Insurance Premium!

The Granny Driver

You find these drivers everywhere. Don’t let the name fool you, it isn’t only the seniors that cause this little disruption in the road, a lot of younger drivers out there that can fall into this category. These drivers are the ones that take their time with everything. I mean driving significantly slower than the flow of traffic and even a lot slower than the actual speed limit. They also take their sweet time making turns, even when it’s clear! Quite frustrating if you ask me.

Bump and Weave

The super speeders who live by the motto of too fast too furious. We all have that one question, Where do they have to go in such a hurry? Driving at such high rates of speed and jamming to loud music while weaving in and out of traffic. A very common driver in this category would be younger drivers. Driving like this can be very dangerous and cause quite a few accidents. If you want to experience such spirited driving definitely check out your local tracks.

The Distracted Driver

In my opinion, the worse types of drivers out there. This is where I would give the benefit of the doubt to the other styles of driving out there simply because distracted driving can have the most consequences behind it. So you have those coffee drinkers, Instagrammers, facebookers, snapchatters and my favorite the selfie-takers. These are some great platforms you can use for personal enjoyment which is great, but there are a time and place for everything. Driving while distracted can get you into a light fender bender or even into a major accident. There is also a possibility that you could get a ticket for distracted driving. These situations happen so it is best to stay safe.

The Road Ragers

If you are of the faint-hearted or get easily intimidated, you should be very aware of these drivers. A road rager isn’t just a road rager, there are many different types of drivers that can fall into this category. So let’s list them for you.

• Tailgater

• • These drivers are usually around when rush hour happens. They like to drive very close behind you and get you to move lanes over so they can speed pass.
• Brake Checker
  • These are the drivers that think they own the road. Taking their time with everything and eventually will brake check you if you get too close.
• Hungry Honkers
  • Honking you to move over and try to push you out of the lane so they can pass. Also, they tend to honk their horn right when the light turns green, very impatient.

Using intimidation tactics these drivers can force you to do things out of fear which can be extremely dangerous! So be level headed and don’t let them push you around. Stand your ground and go your way.

The Perfect Drivers

These are the types of drivers that everyone wants to be around, anything you can think of that makes a driver perfect they have it. I hope this is where you come in! Logical thinking, patience, waiting their turn and quick reflexes you are at the pinnacle of drivers. Accelerating easily, braking in advance to prepare the driver behind you and watching your surroundings before you go ahead with any move.

These ones will not mess up your insurance premiums!

Summary

The road is a great place to be. All seasons round, you drive from point A to B and most of the time forget that you should be attentive while driving to reach your destination safely. We outlined the most common drivers you’ll face when you are out there driving around. Of course there are a few other drivers that we haven’t listed, maybe because they aren’t as frequent as the ones listed above that too, they could probably fit in one of the many categories up there.

If you had to pick to be one of the drivers above and express those driving habits definitely the perfect driver would be the way to go. They are the safest for themselves as well as the people around them.

Remember to stay safe and have good driving habits because it will not only benefit you but also the people on the road. Oh! Also expression safe driving habits can lower your insurance premiums so take a look at these auto insurance companies that give you a discount for defensive driving habits!

The post The 5 Drivers You’ll Encounter appeared first on ThingsMenBuy.com.

from ThingsMenBuy.com https://www.thingsmenbuy.com/five-drivers-you-encounter-on-roads-insurance/
via IFTTT

3 Sex Toys Worth Having In 2019

The average man masturbates anywhere between one a day and once a month, with his solo masturbation habits reaching a peak between the ages of 18 and 29, according to the National Survey of Sexual Health and Behavior commissioned by the Indiana University. Although people masturbate for various reasons, most do it simply because it feels good. While you will more than likely get off good by masturbating solely with your hands, making use of a sex toy or three can take your self-pleasuring sessions to a whole new level. Even if you have never spanked your monkey with the help of a toy before, make 2019 the year you take the plunge and add a sex toy to your collection of useful gadgets.

The Fleshlight

If you are looking for real-life stimulation, look no further than the increasingly-popular Fleshlight series of sex toys that can guarantee any man countless hours of unadulterated masturbating pleasure. Having sold more than 12 million units to date, Fleshlights come in a wide range of designs that are devised to be compatible with a number of virtual sex adapters, vibrators, and hands-free systems. By mixing and matching various sleeves and other accessories, you’re bound to find a combination that will put your sexual stamina to the test. Whether you opt for the open-ended and easy to wash Quikshot, or one made to feel just like the cooters of porn stars such as Elsa Jean and Jessie Andrews, there is guaranteed to be a style that will – literally – fit you like a glove.

The Prostate Massager

If you have never tried a prostate massager before, you’re missing out on some extreme pleasure. Once you rid yourself of any preconceived judgments pertaining to anal gratification, you open yourself up to new levels of pleasure. Prostate massagers come in a variety of shapes and sizes and are designed to be used both on a solo flight as well as with a partner. Whether you opt for an entry-level yet waterproof massager that is both comfortable and gentle for first-time users, or a 6-speed deluxe model, massaging your prostate will undoubtedly be the most satisfaction you have ever received without touching your genitals in any way.

The Vibrating Head Teaser

If you’re looking for a way to intensify your masturbation sessions, look no further than a vibrating head teaser. The name of this nifty sex toy basically says it all: it sends vibrations through the head of your penis in an extremely pleasurable manner. There are a variety of models available, such as the offerings from X Brands and Too Timid, that will soon make you a big fan of submissive stimulation. Apart from helping you reach intense orgasms, these gadgets can also be used to train you to last longer when you’re getting down and dirty with your partner.

Even the most prudent of masturbators often become life-long sex toy fans after taking the plunge and making their first purchase. Whether you’re single and don’t want to miss out on intense orgasms, or simply want to up your game to benefit both you and your partner, a sex toy acquisition can give your sex life a very healthy boost.

The post 3 Sex Toys Worth Having In 2019 appeared first on ThingsMenBuy.com.

from ThingsMenBuy.com https://www.thingsmenbuy.com/3-sex-toys-worth-having-in-2019/
via IFTTT

Why Males Need to Watch Their Credit More Than Females

Your credit score influences your access to credit facilities. When you need to get a loan or mortgage, creditors will look at your credit score to see if you are credit worthy. Even if you get access to a loan or mortgage, your credit score will determine the rate of the credit facility. Even your insurance rates and sometimes employability depends on your credit score.

How is the Credit Score Determined?

The most popular credit score model is the FICO score. Your credit score is based on certain factors including the following.

• Payment history

This makes up 35% of your credit score. This considers your payment patterns; if you pay off your loans on time, you will be rated high here. In the same way, if you are fond of making late payments or missing payments, it will negatively affect your score.

• Amounts Owed

This factor makes up 30% of your credit score. When calculating your credit score, the credit reporting bureau will look at the amount of money you owe to lenders. They will look at the total amount in relation to your available line of credit. If you constantly max your credit card, it will negatively affect your credit score.

• Credit History

Your credit history makes up 15% of your credit score. This comprises of the number and types of loans you have taken over the years. If you have taken several loans and you havepaid them responsibly, it will have a positive impact on your credit score. A longer credit history is considered better than a short one.

• New Credit

This factor makes up 10% of your total credit score. Opening several credit accounts and making several credit inquiries negatively affects your credit score.

• Credit Mix

The types of credit you access also makes up 10% of your credit score. If you have accessed different types of credit including other lines of credit, car loans, and mortgages in the past, it will positively affect your credit score.

From the discussion above, it is obvious that there is no difference between the credit scoring model for males and females. The same scoring model is used for both genders. Gender, race, educational background, income, marital status, income, and age does not influence the scoring model in any way.

So then, why should males watch their credit scores more than females?

The truth is that our actions play a lot of role in determining our credit score. If you treat your credit responsibly, you will have a high credit score. In the same way, you will have a bad credit score if you treat your score anyhow.

How do we know a good credit score and a bad one?

Credit score ranges from 300 to 850. The higher the score the better it is.

Score Type	Range
Exceptional	800 – 850
Very good	740 – 799
Good	670 – 739
Fair	580 – 669
Very poor	300 – 579

 

How do you watch your credit score?

It is important that you constantly check your credit score to know where you fall. Credit scores can be repaired, hence, you can work on your score if you do not like it. The first step is to check your score. The score is computed by three main credit reporting bureaus. They collect your credit information and compute your score. These three bureaus are TransUnion, Equifax, and Experian. The bureaus offer one free credit report each for a year. The report can be accessed here, annualcreditreport.com.

You can get the credit report and review it. You should review the report to check for errors and also check your score.

If you are not satisfied with the report you have, you can go ahead to repair it. There are several credit repair firms who repair your score at a fee. You can also do it yourself. The most important thing you can do to improve your score is to correct all errors on your report and pay down your debt. The credit reporting bureau will help in correcting errors if any. You can pay down your debts or reduce your debt by taking measures including debt consolidation, debt settlement, and keeping track of your debts to pay them on time. If you are able to reduce the amount of money you owe and also show a more responsible credit behavior, your credit score will improve in a couple of months.

So now back to the question, why should males watch their credit scores more than females.

Ideally, everyone should watch their credit score. They should ensure that the score does not fall below 739. The only reason why males should be cautious about their scores is that men tend to need more credit facilities than women. Since credit scores influence access to loans, the party that needs credit facilities should take care of their score so that they can easily access loans at lower rates.

The post Why Males Need to Watch Their Credit More Than Females appeared first on ThingsMenBuy.com.

from ThingsMenBuy.com https://www.thingsmenbuy.com/why-males-need-to-watch-their-credit-more-than-females/
via IFTTT

Why A Road Trip Is The Perfect Vacation For You and The Bros

Road trips aren’t going out of style and are in fact on the rise in popularity, according to a study conducted by MMGY Global. Between the years 2015 and 2016, road trip popularity grew by 17% and has continued to rise from there. A road trip is the perfect vacation to take with friends because you can plan the trip so you see the things you want to see. There are many different kinds of road trips you can take and a variety of cool, unique experiences to have with your boys as you hit the road. Here’s why you should consider taking a road trip with all your best bros.

Road Trips Are Perfect for Vehicle Enthusiasts

If you’re the type of guys who love cars, trucks and vehicle selection in general, a road trip is the ideal vacation for you. You’ll be able to get your car or truck ready for the road by taking it through the wash, buying new accessories, or even working on the engine to make sure everything is running perfectly. You can go through a checklist of how to prepare your vehicle for a long trip which is a good time if your hobby is working on vehicles. A road trip lets you show off your ride and have a good time with your friends while doing so. You’ll be joking around, blasting music, and chugging along the open road.

Customize the Trip to Your Hobbies

Some men love to see the great outdoors and go hiking or fishing. While others are into culture and the nightlife and like to hit up bars and restaurants in new places. Regardless of what kind of hobbies and fun you and your friends are into, a road trip allows you to plan your ideal guy’s trip.

If you and your boys are adventurous, you could even throw a plan out the window and just set a destination and see what happens along the way. This open-ended road trip allows you to visit whatever catches your eye and have some wild stories to tell at the end of the trip. If you get lost or end up off-road, all the better.

Hit the Road

There’s something relaxing and also thrilling about having a highway in front of you and your friends with you. You’ll be able to see some of the best landscapes the country has to offer or hit up a bunch of distinct cities depending on what you’re into. A road trip is the perfect guy’s trip no matter what kind of hobbies you and your friends love.

The post Why A Road Trip Is The Perfect Vacation For You and The Bros appeared first on ThingsMenBuy.com.

from ThingsMenBuy.com https://www.thingsmenbuy.com/why-a-road-trip-is-the-perfect-vacation-for-you-and-the-bros/
via IFTTT