The Benefits of Being With an Independent Insurance Agent

When searching for home and auto insurance, a consumer has many options as to who to do business with. Television commercials and online advertisements abound in today’s society. Everyone needs insurance, and insurance companies are battling for clients.In the world of insurance agents, there are two types of agents: captive agents and independent agents.An insurance agent that is captive represents one company and independent agents represent multiple companies. The largest and most well-known insurance companies (All State, Farmers, American Family) go only through their own “captive” agents. Other well known but less known insurance companies (Met Life, Travelers, Hartford, Progressive, etc) go through independent insurance agents.When you walk into an office of a captive insurance agent, he/she will quote you with the one company that they carry. When you walk into an office of an independent insurance agent, he/she will shop all the companies that he/she represents and set you up with the company that matches you the best in terms of lowest rates and best coverages.The insurance market is very complex. When looking for a rate quote, there are numerous factors which these companies must consider. Because some companies look at different factors in different ways, insurance rates can greatly vary for one person between different companies.For example, let’s say that Suzie wants an auto insurance quote. She has a pretty good driving record. She has not had any major violations in the past few years. Two years ago, when she was at college and would travel to her parents’ home and back on the weekends, she picked up two defective vehicle tickets.The officer could have given her speeding tickets, but he reduced them down for her.When Suzie went to get an insurance rate quote, she found that most insurance companies will give her higher insurance rates because of those two tickets. She would have to pay hundreds of more dollars each year. As her agent continued searching for her, he found an insurance company that would not rate her higher because of the tickets. This particular company does not rate ‘defective vehicles’ as anything abnormal, thus though she had two tickets, she had access to the very lowest rates the company had to offer and she was able to save hundreds of dollars each year.If Suzie had gone to an agent who was captive, he would have set her up with the one rate that he had to offer. She would have missed out on the money that she was going to save.The more proactive the insurance agent is, the more he can search for ways to save his clients money. It is a good idea to not only seek an independent insurance agent, but a very proactive insurance agent. Understanding the difference between these two types of insurance agents can save you a lot of money on your insurance. colorado insurance insurance.

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Automotive News – All You Need To Know About Cars

Automobile manufacturers all over the world constantly maintain positive sale performances this year regardless of rising oil prices. Not even the horrible earthquake in Japan which happened earlier this year could slow down the pace of the automotive industry. People’s interest on this subject is very high. On the other hand, the industry is ever changing. Many car owners and enthusiasts feel the need to keep up with the latest automotive trends such as new car launches, events, car modification tips, technical guides and race reviews. There is where automotive news comes in.Besides car aficionados, mechanics and workshop owners can also benefit from the latest automotive news. Vehicles and machines are constantly evolving. More recent models may have newer technologies and more sophisticated features or parts. As mechanics always deal with machines, they need to upgrade their knowledge from time to time, to keep up with the changing trends. They can get the latest updates from automotive news or from attending car exhibitions or motor shows.Besides going to exhibitions, people can also get the latest information from automotive magazines. There are still many people today who buy physical copies of magazines to add to their collection. With the advancement of technology, the internet has changed the way we live. The internet gives us unlimited access to any kind of information. Now it is possible to get the latest news about the automotive industry online. People can access them anywhere, anytime, and free of charge.Car reviews and car launch dates are two topics that are often searched by car enthusiasts online. We can also find many online automotive magazines that provide the latest news, trends and tips on the web as well. People can easily access information on new car launches, car modifications, as well as car parts and accessories.There are thousands of weblogs on the internet that also provide free, comprehensive automotive news. Each of them contains different types of information. Well-established blogs usually provides in-depth news and reviews. Today, potential car buyers can check reviews available on these online journals before deciding on a car to buy.Automotive forums have become a communication media between aficionados. There, people can post articles, open discussions and interact with other members. Car mechanics are encouraged to use online forums, so that they can get the latest scoop and share their technical know-how as well as experiences to others.

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Education Meaning

Education is the term used to refer to learning by which knowledge, belief and habits as well as skills and values of one group of people is passed to another, from generation to generation through various aspects such as discussion, storytelling, teaching and training. It not only denotes the ‘formal transmission’ through these factors to a group of people but also ‘informal transmission’ from one person to another.It is the system where learning takes place under the guidance of teachers and tutors; in the same way, those who teach can also educate themselves further. This is called ‘autodidactic learning’.Education can also be used to denote ‘the knowledge gained from an experience that has an impacted effect on a person’s beliefs, thoughts, feelings and actions’.The word ‘education’ has its origin from the Latin word ‘educatio’ used to refer to ‘a bringing up’. Broadly, ‘educo’ relates to the meaning “I train, I educate”; ‘educo’ itself is the combination of ‘e’ (from) and ‘duco’ (I conduct).The ‘right to education’ is a fundamental right accorded to the citizens of many governments worldwide. The United Nations’ International Covenant on Economic, Social and Cultural Rights endorses and recognizes the right to education for all the citizens. In most countries, education is compulsory for children up to a certain age. In developed and developing countries, formal education is that where children go to school to learn from qualified and skilled teachers. More often these days, school attendance is not always compulsory and that leads many parents to ‘home school’ or ‘home tutor’ their children with the assistance of either private teachers or through methods involving e-learning, which is the use of electronic material and technology to learn. This is a kind of informal learning.The ‘art and science’ of education, which translates into ‘how best to teach’ is called Pedagogy. At school level, education is categorized into stages like preschool, primary, secondary, higher or tertiary etc while beyond school higher education is slotted into college and university and/or apprenticeship.History of EducationIn ancient history, there is the reference of the ‘Academy’ founded by Plato in Athens before 300 BC. The city of Alexandria, founded in 330 BC surpassed Athens as the ‘cradle of intellect’ in ancient Greece. The Library of Alexandria, a historical monument contained translations of the Bible from Hebrew to Greek under the patronage of mathematicians and astronomers like Euclid and Herophilus. The supremacy of the earliest European civilizations came to an end when the Roman Empire declined in 476 AD.The focus then shifted eastward with the Chinese philosopher-scholar Confucius whose outlook on education and reforms influenced many south-east Asian nations like Korea, Japan and Vietnam. His teachings and discussions were recorded by his followers and his philosophies continue to exert influence to this day in many parts of Asia. In India, for instance, the gurukul tradition of teaching and learning where a teacher or trainer taught knowledge and skills to his ‘wards’ by living and training with the master in a community set up has continued in some form to this day at institutes and schools where fine arts, music and dance forms are taught.In various regions around the world, adults of one generation trained the young of the following one in the knowledge, values and skills through oral teaching and through imitation prior to the birth of literary societies and skill sets. As cultures flourished, a system of formal education appeared to impart knowledge and skills; there is evidence of the presence of schools in Egypt in ancient days.The Early Middle Ages saw the rise of the Catholic Church as the preserver of literary teaching and skills; many medieval universities of Christendom across Europe encourage freedom of thought, speech and enquiry producing a vast number of fine philosophers and scholars. Among the oldest continually operating universities of Europe, the University of Bologne is considered the first and the finest.With the advent of the printing press in its earliest form, literary works of art and education flourished and spread more quickly through the continents. Missionaries and scholars, particularly the Jesuits played a significant role in the transmission of knowledge from Europe to Asia.

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