|Insurance Buying Tips #1: Shop smart|
|When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.|
|Insurance Buying Tips #2: Look for discounts|
|Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.|
|Insurance Buying Tips #3: Fill in the gaps|
|An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.|
Car movies are not just for die-hard car enthusiasts. They are about adrenalin, fearlessness, escaping and exploring. They're about going on an adventure of a lifetime, full of twists and turns and, often, by the time the credits roll, the characters have learned something about the country that they've been exploring as well as about life in general. If any of the characters in these movies had ever thought about vehicle insurance before setting off on their epic adventure is questionable, but considering that a lot of these movies end with the vehicle being in less than respectable condition, in retrospect, it would have probably been a good idea.
So, without further ado, let's explore 5 of the best car movies ever made.
Thelma & Louise
The ultimate girl-power car movie! The plot is pretty simple – two women set out on the open road in an effort to escape their lives (and the men in their lives). Unfortunately, not everything goes according to plan. They end up killing a man in self-defence and find themselves being chased by police, which ultimately leads to them plummeting down a canyon. Granted, this is perhaps not the most up-beat of road movies. It's also probably not one for the men as it is very girly and has a young, topless Brad Pitt in it (which makes it doubly girly). Thankfully, it also has two gorgeous actresses in the front seat (Geena Davis and Susan Sarandon) and, for the car enthusiasts out there, their car of choice is a red 1966 Ford Thunderbird, which means that there is enough here to keep us manly men occupied.
This is a classic action movie that held the Guinness World Record for the most profitable film for 20 years. Filmed way back in 1979, it is still a firm favourite today! The plot is as follows… a vigilante cop (played Mel Gibson) drives around and dishes out some hard-core justice to a motorcycle gang. The 1974 Ford Falcon XB Interceptor with the Concord front end and protruding supercharger was the main reason why people went, erm, mad for this film. In fact, it was so beautiful it made many of us teary-eyed.
|Insurance Buying Tips #4: Purchase life insurance—you aren’t too young|
|Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.|
|Insurance Buying Tips #5: Talk to an independent agent|
|An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an independent agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An independent agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too.|
|Insurance Buying Tips #6: Only buy insurance to maintain your existing standard of living|
|You don’t need insurance for events that won’t severely strain your finances. Start with your basic needs (home, auto, business), then work your way to include other needs (cyber, liability). You can always obtain coverage later for something if you change your mind. You can minimize your risk and maximize your savings by buying insurance that won’t cause you to break the bank.|
If you loved Bonnie & Clyde, this is one for you! Filmed in 1973, it's loosely based on the 1958 real-life murder spree of Charles Starkweather and his underage girlfriend, Caril Ann Fugate. Yes, this is a movie about a psychopath who persuades a teenager with daddy issues to drive around with him while he kills people. It definitely sounds a bit intense, but trust us – it is every car enthusiast's dream! This is because the main characters change cars an impressive 25 times. The vehicles include everything from a 1959 Cadillac Series 62 to a 1951 Mercury Coupe and much more. Check it out!
Car movies are awesome – but so are motorcycle movies! So there had to be at least one motorcycle movie included in this list, and this is it. Watch Easy Rider to witness a few hippy bikers on a quest to discover and live the elusive American dream. They don't actually find it – no surprises there, right? Thankfully though, the plot of the movie is saved by the two bikes that these free-wheeling hippies rode. The bikes used were custom made and based on hardtail frames and panhead engines. They're basically Harleys, only better and cooler – if that's even possible! A couple shots of these bikes riding down stretches of open road with a 70's psychedelic rock 'n' roll soundtrack and you've got yourself one of the best road movies ever made.
Although considered a bit of a box office flop in its time, Vanishing Point is still another 70s must-see. Now a classic with a pretty impressive cult following, the film follows a man who makes a bet that he can drive a 1970 Dodge Challenger R/T 440 Magnum from Denver to San Francisco (which are 2 041 km apart) in just 15 hours. Unfortunately, this is a car movie with a pretty bitter ending. After enduring a crazy police chase, the daredevil ends up driving the beautiful car into two bulldozers, causing it to tragically explode. Perhaps that's why the movie flopped initially. People just couldn't comprehend why someone would want to do that to such a beautiful car. Well, at least it only happens at the very end so you get to spend about 93 minutes admiring the car. Oh, and the man dies too. Pity.
Needless to say, car insurance would have been a good idea for all of the characters in all of these aforementioned movies, considering that the vehicles in Thelma & Louise, Vanishing Point and Easy Rider were all write-offs; the 1974 Ford Falcon XB Interceptor in Mad Max picked up some major body damage along the way, and all of the 25 cars in Badlands were stolen. But they were only movies, right?
|Insurance Buying Tips #7: Ask your insurance provider what the policy doesn’t cover|
|Every insurance policy has perils that are not covered by your policy. These perils are referred to as “exclusions”, and every policy has them. Ask your insurance provider to explain the exclusions in your policy to avoid discovering what they are once you incur damages or a loss.|
|Insurance Buying Tips #8: Consider bundling several policies with one insurance carrier|
|here may be value in bundling several policies with one insurance carrier. If you’re looking to insure multiple vehicles or obtain multiple types of business coverage (e.g., liability, property, cyber), then you may want to consider obtaining coverages under one insurance provider who carries multiple products, and who may be able to offer you multi-policy discounts or loyalty programs.|
|Insurance Buying Tips #9: Review your insurance needs on a yearly basis|
|As your needs evolve, so will your insurance policy. Maybe you’ve acquired a new vehicle since obtaining auto insurance for your primary vehicle, or started operating your business out of your home, or experienced a cyber-attack during the year… Whatever the change(s), you’ll want to make sure you’re covered for any new risk exposures. Talk to your insurance provider to stay on top of your insurance needs.|