AMERICANEWSDAILY
April 19, 2021

5 Ways to Lower Commercial Truck Insurance Premiums

Insurance

Operating a commercial trucking fleet can be a profitable business. But, like any business, you want to make sure to protect your investment with insurance. You should be covered if one of your fleet gets in an accident or other mishap.

When it comes to commercial truck insurance in Peoria AZ, there are several things you can do to keep your insurance premiums down.

1. Increase Your Deductible

Believe it or not, you can lower your premiums by raising your deductibles. However, you should make sure the deductible you choose is one that you can afford to pay if something happens. Your commercial truck insurance agent can review your policy to suggest the best options for you.

2. Hire Drivers with Clean Driving Records

Just like personal vehicle insurance, where your premiums increase with traffic infractions or accidents, with commercial truck insurance, the driving records of your crew can affect your premium costs. When hiring drivers, try to find those that have less than two minor driving violations within three years.

3. Hire Drivers With Experience

You can also lower your premiums by ensuring your drivers have at least two years of experience as a Commercial Drivers License (CDL) operator. Experienced drivers are more knowledgeable on dealing with traffic hazards such as bad weather or challenging routes.

4. Map Your Trucking Routes

Where your trucks are driving can also affect your insurance premiums. For example, your premiums will be higher if your trucks are operating in high population cities or areas predisposed to lousy weather.

5. Use Newer Trucks

Make sure your trucks aren’t older than ten years. Your insurance premiums are impacted by the age, condition and value of the trucks. Ensuring your vehicles get regular maintenance and upgrades on the latest equipment can also help lower your premiums.…

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How To Avoid Getting Car Dents

Car

A car can represent a significant investment that should be protected front dents and dings to keep it looking good. Many dents and dings can be fixed fairly easily with paintless dent repair techniques, and dent repairs should not be costly. To avoid the aggravation of finding and fixing dents, you can take some preventive measures.

Watch the Weather

Extreme weather conditions, especially hail and windstorms, can cause damage to your car. When possible, avoid driving or leaving your car outside during bad weather. It’s also a good idea to keep your car in a garage or under a carport to provide protection against the elements.

Watch the Road

Some roads are badly paved or not paved at all. Be careful when driving on them. Loose rocks, dust, dirt, and other objects can easily kick up and damage your car’s exterior. Trucks carrying heavy loads can also be a problem, especially on the freeway and when passing. Keep your distance and watch the vehicle for trailing debris before passing.

Watch the Parking Lot

Most dents and scratches happen in parking lots. Some people carelessly open car doors hitting the car parked next to them. The best way to avoid this is to park where few people park. Parking at the far end of the parking lot might mean walking a bit farther, but it could save your car from unnecessary dents. Parallel parking can also help. When you parallel park, you eliminate the chances of other cars parking next to you.

Watch the Car

People sometimes put objects on their car roof or hood without thinking about it. Any hard or sharp object, such as tools or keys, can damage your car’s exterior. If you must work with tools on your car hood or roof, place a blanket under them.

Keeping your car maintained and looking good can increase its resale value. By taking a few precautions, you can avoid the nuisance that dents create and take pride in your car.…

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5 Ways To Grow As a Person

Most people want to be good, but sometimes making the best decisions for personal growth can be difficult. If this sounds familiar, you are not alone. Fortunately, there are resources available that can help you develop into the person you want to be. For some ideas on where to start, here are five ways to grow as a person.

1. Stop Making Excuses

If you want to take control of your life and really start developing who you are, the first thing you need to do is throw all of your excuses out the window. At the end of the day, you are responsible for who you become.

2. Take a Class

Whether you learn a new hobby or invest in a personal development course, taking the time to learn something new can help you expand your knowledge, outlook and experience. In addition, it can help add some guidance and meaning to your life.

3. Calm Down

Holding onto anger never leads to happiness. If you want to truly grow as a person, an important skill you need to learn is how to manage negative emotions. For this reason, channeling feelings into an a more positive activity like meditation, writing or prayer can be helpful.

4. Be Honest

Another important trait for self development is honesty. If this is an area you struggle with, it can be a great place to start making improvements in your life. If you want to be someone who others can trust, always tell the truth.

5. Overcome Fear

Just as anger never leads to happiness, neither does fear. If you really want to start working on self-improvement, recognizing your fears and finding ways to overcome them can lead to life-changing opportunities.

Change is rarely easy, but it is almost always inevitable. Learning how to grow and adapt as a person can help you navigate whatever life throws at you.

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Different Options for Home Security

Home

When trying to make your home as safe as possible, there are several different options to explore. You may decide that one security feature is enough or that it’s best to have a combination of elements.

Deterrents

There are several types of deterrents that may not stop a home invasion but would most likely deter one. One of the most familiar is the barking dog. Burglars want secrecy, so when your dogs start barking, they are likely to back off. Even before they attempt a break in, they might see that you have gotten a dog from German Shepherd breeders Florida and decide to skip your house. Even a herd of small yappy dogs can make a thief think twice.

Motion sensor lights are another great deterrent. Train them on the front and back entrances and hidden side windows so that anyone trying to sneak in will get exposed. The lights do nothing to physically stop an intruder other than make him think better of trying to get into your house.

Security cameras also make certain people who are up to no good second guess whether they want to steal from you. The cameras themselves won’t stop the theft, but the fear of being identified might.

Preventions

A home with strong doors, dead-bolt locks and impact resistant windows can actually prevent a burglar from getting into your house. He (or she) may try, but unless he has some very top-of-the-line SWAT-team like equipment, he’s not going to have much success breaking in.

An ear-piercing alarm that sounds when the perimeter of your house is breached should make it too uncomfortable for anyone to stay in your home for more than a few seconds. If the intruder is not deterred by the alarm company decal in the window, he no doubt will be when his ear drums begin to throb.

The best way to protect your house and family is to couple some deterrents with a prevention step also. This covers all your bases and keeps the most determined criminal from getting in.…

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3 Tools To Help You Cover Unexpected Bills

Unexpected bills sneak up on you, sabotaging even the best plans. Without time to prepare, you may be left in a tight spot, possibly even deciding which bills to pay each month as you struggle to manage them all. Bills don’t have to overwhelm you though. If you are facing an unexpected expense, consider using one of these tools to pay it off so you can move forward.

1. Eliminate Frills

This is the first step that you should approach if you find ourself facing unexpected bills and unsure how you are going to pay them. Look at what you are currently spending and see if there are any things you can eliminate to lower expenses. There are tons of small things that can eat up a significant portion of your budget. It doesn’t have to be a permanent change, but you may find that you don’t miss some things when you see the savings add up.

2. Take Out a Loan

You may not want to add a loan payment to your monthly bills, but short term loans Mississippi can serve a valuable role in helping you to manage an unexpected bill. Look for options that let you finance over a few months so that you can spread the payments out a bit, but still get back on your feet quickly.

3. Seek Community Resources

You might resist the idea of asking strangers for help, but every community has resources that are designed for situations just like yours. Talk to local service organizations and churches about their programs. You might be able to get help with utility bills, rent or a car payment, taking some of the pressure off of your overwhelmed budget.

Unexpected expenses can quickly turn your finances around. They don’t have to overwhelm you, though. Seeking out help, trimming your budget or using loans are all viable ways to deal with an unexpected bill.…

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