The auto insurance market is predominantly ruled by some reputed insurers. The top 10 auto insurance companies in the country take a big share of the pie by capturing around 72% of the market. When you go out to purchase auto insurance, you will have a plethora of services offered at various prices by different providers. Auto insurance providers to know about To help you choose the best, here are the top five insurance providers that you can consider. GEICO You might come across the witty commercials by GEICO, which ensure the company always has the top of the mind recall value with their customers. However, it is actually known for the support and services it provides to the customers. It has a customer satisfaction rate, which is as high as 97% and has been named the ‘most desired auto insurance provider’ by the Kanbay Research Institute. State Farm Among the largest auto insurance companies in the country, State Farm owns 17% of the total market share. It is one of the best options to consider if you want to have a local agent who can give you a more personalized experience at rates which you might not find anywhere else. The popularity of the company can be gauged from the fact that almost one in every five dollars, which is spent to pay premiums for private passenger insurance in the country, is believed to be paid to State Farm. The average premium for six months can cost you around $356. Progressive People who have had a history of accidents can feel no hassle in getting auto insurance when they go to this provider. It offers special rates to such drivers. Established in 1937, the company has grown and become one of the top leading auto insurance providers in the country.

Getting the right auto insurance is as important as finding the right car. But there are many pitfalls when buying auto insurance that can prevent you from getting the best coverage and cost you hundreds of dollars a year. To avoid getting stuck with paying high insurance bills over the years, here at the mistakes below and be sure to avoid these when buying auto insurance. Buying the minimum liability coverage Although every state has its minimum coverage requirements, this does not include the full cost of a crash. Purchasing the minimum legal protection implies that you are willing to pay for the remaining difference between your total liability and coverage. Getting more protection to help you relieve any liabilities is always a better idea. Buying too much coverage Like buying too little coverage is a mistake, getting over-insured also does not make sense and is a waste of money. For example, an older vehicle will not require a collision and comprehensive coverage. Also, beware of policy add-ons as well. If you are already a member of an automobile club, you do not need roadside assistance and towing. Pay attention to what you have and what is covered in the insurance policy to avoid paying extra. Not comparing insurance companies Opting for an insurance company offering the lowest prices is not the best option. S hop around and get multiple quotes from auto insurance companies for the best deals. Although price is a major factor in choosing an insurance company, it’s not the only one. Instead, the company’s ability to handle claims fairly has to be looked into. Customer reviews better understand the company’s ability to handle claims. Keeping your insurer uninformed Most buyers are not honest about their driving habits and the condition of their cars. This mistake can leave you personally liable for all the costs if an accident happens and companies refuse to pay your claim.

Insurance helps cover unexpected costs and liabilities that may incur in the future. Investing in a decent insurance policy also protects your assets, be it rental or owned. If you are a business owner and own or rent vehicles that transport goods and consumables, you must invest in commercial vehicle insurance for the following reasons. There are several monetary benefits, some that also save tax in the long run. Some of them are mentioned below: Get additional cover Your regular auto insurance may not cover all costs that arise out of accidents or personal injury involving commercial vehicles. Also, most personal auto insurance policies are not valid for liabilities accrued out of vehicles used for business purposes. This is where commercial truck insurance will provide customized, comprehensive insurance suited to your business needs. Follow regulations The law in many states requires business owners to get a commercial vehicle insurance policy. The insurance is mandatory if your business transports goods and hauls heavy-duty equipment. Even if your company provides service from a vehicle, your auto insurance policy will not cover the liabilities. Any business, partnership, or corporation that owns vehicles for commercial use must buy this additional cover. Customized coverage One of the main advantages of buying commercial insurance is that you get custom cover for specific damage, repairs, or the replacement of certain parts. The insurance provides for anything necessary to protect your business interest from liabilities that arise out of an unforeseen circumstance. The semi-truck insurance quotes are available at competitive prices and can also be modified seasonally to avoid overpaying insurance. Employee coverage Some commercial policies also provide cover for employees who drive the vehicle. If any personal injury or liability arises from an accident or mishap involving the employee, commercial vehicle insurance will provide for these unexpected costs.

Coffee is the most popular beverage enjoyed by people worldwide. This is also because there are several health benefits associated with this drink. However, preparing it in pots and kettles proves to be cumbersome. The coffee maker was devised to reduce this effort and let people enjoy a perfect cup each time. The Black Friday sale lets people get one at an exciting price. Here are the top 10 deals that might be available this year. Ninja DualBrew Pro Specialty System The coffee maker proves extremely versatile, as it lets you make single cups. The machine comes with a 12-cup thermal carafe which not only works with pods but also with coffee grounds. The coffee machine has a frother, a large reservoir, and a hot water dispenser. The machine was available at a discount of more than $50 during the last Black Friday sale, and this year too, it is expected to be available at a similar price. Calphalon Special Brew 10-cup This coffee maker is a perfect companion for people who intend to prepare their beverage in advance as it lets you brew 10 cups of the beverage 24 hours in advance. The machine also has a strength and flavor adjuster that lets you enjoy the same perfect taste every time. Moreover, the product is expected to be available at a discount of $25 at BestBuy during the holiday season. Nespresso Vertuo Next If you are looking for a stylish and versatile coffee maker that specializes in making both single and double espresso then this machine proves the best. This coffee machine uses Nespresso vertuo capsules that can be availed in 30 aromatic blends. The one-touch machine is also expected to be available at a discount of $20 during the Black Friday sale on Amazon. Hamilton Beach 2-way Brewer Coffee Maker This coffee machine has two methods to brew your favorite beverage.

Every mobile carrier, including AT&T, tends to focus on their postpaid customers. They’re not unfair in doing so, as postpaid customers contribute more money to their accounts than prepaid ones. They’re also a constant source of cash, although that doesn’t mean there’s absolutely nothing on the table for prepaid customers. Focusing only on AT&T, the carrier has introduced some excellent plans for prepaid customers.  One-year 8GB plan for $300 upfront Picking a plan every month can be frustrating, so why not stick with one for the entire year? If it sounds right to you, go with this AT&T prepaid cell phone plan. It is one of AT&T’s best budget options, costing only $300. You’ll get 8GB of data every month, which is more than sufficient for browsing and a bit of streaming. In case you underuse data in a month, it gets carried forward to the next month. 15GB plan for $40 per month $40 is a decent amount to pay for 15GB of data. While it may not be enough for heavy streaming or playing games, it is enough for little to heavy browsing and enjoying music. According to estimates by AT&T, 15GB is enough for over 1,000 emails, 400 hours of streaming music, 40 hours of web browsing, and 15 hours of SD video streaming combined. Unlimited Plus plan for $75 per month ($60 with auto-pay) If you want your prepaid plan to cover both your work and entertainment needs, go with this plan. It costs a lot, but you will get significant data and speed to work with. The plan will also give you access to AT&T’s 5G network, which promises lightning speeds. Remember, though, that the speed you get will slow down if you’ve used up more than 22GB of data in a month. Budget Conscious plan The Budget Conscious plan is the first and simplest AT&T prepaid cell phone plan.

Planning to sell your truck but are confused about the asking price? Well, that is just one of the many factors that you need to consider before listing the vehicle for sale. With the auto market being saturated with preowned and unsold vehicles, paying attention to details can make all the difference if getting a good price for your truck. Here are a few ways to get the highest price for selling your truck: Negotiate with the buyer Don’t say yes to the first deal or offer by the buyer. Always wait and compare the market rates to find the best price for your truck. Being impatient will only make it more difficult to get a decent profit on the deal. Consider a private sale Dealerships can haggle aggressively, so you won’t get the best trade-in value for your truck. So, it is better to compare private-party deals as you will find a significant difference in the trade-in value and the private offer. Why should you miss out on that extra cash simply because you want to avoid the hassle of paperwork and documentation? So, consider organizing a private sale. Determine the true value Before you decide on a price point and sell your truck, you should get a professional appraisal to determine the value of the truck in its present working condition. Websites like KellyBlueBook and NADAguides can offer benchmarks to come up with a valid price tag for your truck. You can make the most of this information and work with the appraiser to set a competitive price. This number is a good starting point for negotiations. You should keep some wiggle room when setting the price. Advertise the sale Make the most of free and paid social media online tools to generate a buzz for your truck.

Buying an SUV is a whole different experience. It is not just about getting a vehicle to travel from one place to another. SUV enthusiasts look for options that offer comfort in daily city driving while being rugged enough to take on adventurous terrain. One renowned brand in this segment is Jeep, which curates impressive compact and full-size SUVs of high quality. Below are some of the best Jeep cars to consider buying. Jeep Grand Cherokee Despite being a rugged SUV, the Grand Cherokee is one of Jeep’s luxurious options. The base variant is a standard two-row mid-size SUV powered by a V-6 engine that can churn out about 293 hp. The Jeep Grand Cherokee is available at a starting price of $36,000, for which one could get infotainment features like an 8.4-inch touchscreen and a standard six-speaker stereo. The car is also ideal for those who want to haul loads such as trailers or boats. Jeep Wrangler The Wrangler starts at $32,000, which is admirable compared to other vehicles in the segment. Under the hood on the base trim, one could get a 285-hp 3.6-liter V-6 engine paired with a six-speed manual gearbox. Moreover, one could opt for the eight-speed automatic transmission. While anyone can buy this car, it is best suited for SUV enthusiasts who want to spend most of their time on challenging terrains. Jeep Compass The Jeep Compass is an entry-level SUV suitable for city driving and some off-roading. The vehicle offers sufficient interior space for the driver and passengers to cruise comfortably from one destination to the next. The Jeep Compass is available starting at $26,000. At this price, the brand offers standard features, such as an all-wheel drive and a 10.1-inch infotainment touchscreen with Apple CarPlay and Android Auto. Jeep Renegade Those who desire a subcompact crossover SUV with off-roading abilities could consider buying the Jeep Renegade.

For those looking for a car that combines the functionality of an SUV with luxury, the BMW X5 is an excellent option to consider. Originally launched in 1999, the car is now in its fourth generation and is one of the most coveted cars in the luxury segment. But with the price tag on the higher end, many often prefer to lease the car instead of purchasing it. While this is a more affordable option, there are certain points one needs to be careful of while leading an X5: 1. Being hesitant to negotiate the price Many people often hesitate to negotiate the price while leasing a car, especially if it belongs to the luxury category. However, since leasing the X5 is the most affordable option, one can negotiate a good deal. In fact, it is not just the price of the car; there are many other costs involved that can be negotiated. For instance, a customer may choose to negotiate a lower price based on the value of the trade-in, the dealer’s fee, and any other add-ons that may be involved. 2. Not knowing one’s credit score Before heading to an X5 dealership, one must know their credit score. This is because some of the best lease deals are often available to customers with good to excellent credit scores. However, if one has an average credit score, a higher interest rate or money factor might be involved in the leasing agreement. Besides, the lease terms may be more restrictive for those with lower credit scores than for those with higher ones. 3. Not checking at multiple dealerships Usually, the cost of leasing an X5 will differ across several dealerships. So instead of checking only one dealership that is located close by, one should cast a wider net. Visit multiple local dealerships and inquire about the prices and lease terms.

Being in debt can be overwhelming and stressful if one does not plan to get out of it. Proper financial planning is imperative to pay the debt right away and should be at the top of one’s priority list. This means being structured and diligent with one’s spending habits, i.e., cutting some expenses to help with debt payments. Nonetheless, here are some more mistakes to avoid while paying off debt. Neglecting interest rates It is recommended that the debt on the bill be paid off with the highest interest rate while the others can wait. One may think paying small amounts for every bill is helpful, but that will not be the case, as the interest will be added back every month. So, paying as much as possible on the highest bill is essential while matching a minimum payment amount for others. Closing credit card accounts While closing credit card accounts after bill payment may seem tempting, this may affect credit score data. So avoid rushing to close the account once it is paid off. Pay the monthly balances and avoid interest charges to maintain a good credit score rating. Not changing spending habits It is important to incorporate some healthy spending habits. Start by considering cheaper alternatives for expensive products or gadgets, make lists and stick to them, and only dine out occasionally to avoid using a credit card every night at a fancy restaurant. These small but practical tips can go a long way in helping one manage their finances better. Signing up for illegitimate debt relief programs Some debt relief scammers take advantage of customers. They will make unrealistic promises and charge excessive fees, which may get one in debt with the company. Confirm these relief programs through one’s state attorney’s office and ensure they are legitimate.

Eczema is a health condition in which the skin gets extremely dry, leading to itchy patches. A disciplined lifestyle can help manage the symptoms, but since this is a chronic disease, it can get increasingly uncomfortable and overwhelming. Therefore, loved ones should provide those with eczema a safe space to share their troubles and educate others on the subject. Here are some facts about eczema to create more awareness and empathy. Eczema is not “just a rash” Unlike what most people falsely assume, eczema is more than just a rash. It is a chronic condition that needs extreme care and attention to be managed on a daily basis. This involves staying away from environmental triggers, soaps, shampoos, and any product that may lead to unprecedented flare-ups. Even food choices need a lot of screening. Itchy skin can cause insomnia Eczema flare-ups can also occur during the night. When that happens, it gets incredibly uncomfortable for patients to sleep due to itchy skin. This sleep disruption affects anywhere between 33% to 87.1% of adults and close to 83% of children with the condition. A lack of sleep, in turn, causes other complications like stress and irritability. Poor hygiene is not the cause Eczema is an auto-immune disease and does not occur due to poor hygiene. However, those already suffering from the condition may experience flare-ups due to improper hygiene. Therefore, patients need extreme care when it comes to cleanliness. Choosing shampoo, soap, cleaning products, and even clothes can be difficult, and keeping a checklist of things can get exhausting. It affects mental health While eczema is a physical condition, its complications and flare-ups can easily lead to stress and anxiety, not to mention the taboo around the disease and social perception, which can give rise to alienation and loneliness. It is important for patients to have a support group that helps them navigate through the complicated emotions they may experience while battling the disease.

Molekule air purifiers are somewhat of a rage in the market currently. The brand has done a superb job of communicating its state-of-the-art technology that gives other air purifiers a run for their money. Most purifiers use what is called the HEPA technology to keep the environment dust-free, but Molekule uses something more special–the PECO technology. Molekule technology The brand has been marketing its products for its unique PECO technology, different from most other air purifiers. Photo Electrochemical Oxidation (PECO) is a technology that traps harmful dust particles and destroys them completely, making the air pure.  Molekule has a regular motor and a pre-filter that traps dust particles, pet hair, and other pollutants. Still, their special PECO technology breaks down these harmful particulates into basic molecular components that are safe to be in the environment. After a few test runs, it was observed that it could destroy mold spores and allergens like pollen as well. Products to choose from Let’s find out the best Molekule Air Purifiers of 2021: Air Mini The Air Mini is ideal for a room size of up to 250 square feet and can be purchased at the price of around $399 from Molekule’s official website.   Air Mini Plus There’s no particular difference between the Air Mini and the Plus models, except for some add-on features present in the latter, such as the matter sensor, particle level indicator, and auto-protect. These additional features bring the price of Air Mini Plus to approximately $500. Air This model is suitable for rooms as big as 600 square feet. The design is minimalistic, and the product comes with a leather strap, which is also found in other Molekule models, for easy portability. It is priced at approximately $800 on the website. Air Pro The Pro model is ideal for rooms that are up to 1000 square feet big.

If you’re in the market for a new car, you know it’s important to not ignore Subaru’s biggest vehicle, the Ascent. It’s a three-row SUV designed essentially for families. The Japanese automaker first launched the Ascent in 2019 and has since upgraded it to compete against the latest SUVs from top car manufacturers. In addition to the basic model, the brand-new Ascent comes in three trim variants: Premium, Limited, and Touring. Herein, let’s look at key features of the 2021 Subaru Ascent. Interior room and cargo space The spacious interior of the 2021 Subaru Ascent is one of its highlights. Its three rows of flexible seating offers can comfortably accommodate seven or eight passengers. The second-row captain’s chairs are available on Premium, Limited, and Touring models. With all second and third-row seats down, cargo space in the Ascent increases to a maximum of 86.5 cubic feet. That means there’s ample space for every passenger and their gear. Safety and driver-assistance The Insurance Institute for Highway Safety (IIHS) gave the 2021 Subaru Ascent the highest possible rating, making it one of the safest vehicles out there. The EyeSight® Driver Assist Technology is standard across all Ascent models and is as good as having extra sets of eyes on the road that can do everything from monitoring traffic movement to preventing you from going outside your lane. Other important safety and driver-assistance features include forward-collision warning, automated emergency braking, and adaptive cruise control, among many others. Performance, towing capacity, and fuel economy The 2021 Subaru Ascent is packed with a 2.5-liter, four-cylinder engine that outputs 260 horsepower. The engine is coupled with a continuously variable transmission (CVT) automatic and standard all-wheel drive for seamless gear changing and excellent off-roading experiences. The powerful engine has an impressive towing capacity of up to 5,000 pounds.