Just another raysmusicexchange.com Blogs weblog

Is there any topic more slow than car insurance? But when talk turns to that new car or truck you had your eye on, your interest no doubt perked up. Am I right? So why, oh why, do so many new car buyers not check with their insurance agent as to how much this unique ride will affect their monthly premiums before actually signing on the dotted line?

Let’s continue to be objective here—despite the hassle and trauma of having to go to a new car dealership, buying a current car is a very exciting experience that only comes along in one’s life a limited number of times. So in the spirit of Boy Scout preparedness, what sort of variables could affect your insurance premiums for a new car, truck or SUV?

Contrary to what you might assume most SUVs have considerably higher insurance premiums than other vehicles because their accident claims are often times very costly. Not only are SUVs in more accidents but they also cause a lot more pain to other vehicles because of their size and the fact that their high bumpers can do a number on an itsy-bitsy subcompact.

To look at it from a different perspective, a Honda Accord might have a low accident rate but it is also the most stolen car in the United States. So if you live in a neighborhood with a high crime rate you might want to think twice before buying an Accord. Or a Camry. Why are such popular vehicles stolen so often? Because an in demand car has the added bonus of featuring in interrogate and more expensive parts.

While the reasons for a vehicle suffering from high insurance premiums is sometimes a mystery only understood by car insurance companies, in all likelihood you should have no trouble getting your agent to justify in clear English why the vehicle you want is going to cost so mighty on a long term basis. This is another reason why having a “live” car insurance agent is so helpful. You really can’t find information like this just by pressing the # sign on an automated telephone service.

If you are an intelligent car shopper you no doubt did your research and estimated how much your new vehicle is going to cost in monthly payments. So why haven’t you thought about how remarkable your insurance is going to cost month to month? Trust me, missing this one pivotal budgetary concept can cause serious financial hardship down the road.

Volve V50—No, a Volvo station wagon is not inexpensive to insure because it is dead to drive. This model, the V50 compact wagon, is stylish and even has a turbocharged 5 cylinder engine option. Even though this top of the line model has a highly powerful engine, insurance companies still look upon the V50 fondly due to its low incidence of accident and the fact that area wagons are the least stolen vehicles in America. So if you are in the market for a small to midsize SUV, check out V50. You will look more European driving it and you will save possibly hundreds of dollars a year in insurance costs over a comparably spacious SUV.

Suzuki SX4—While this Japanese oddball from Suzuki might sound like a left-field choice, it is the very fact that few SX4s are sold in this country that helps withhold its theft rate improper. But that is not to say this is a bad car. It is actually great fun to drive, is the lowest priced car in America with AWD and navigation as standard. You really can’t beat that. And sometimes it’s good to be a rebel and not follow the Corolla herd.

Mercury Milan—While I know this may sound weird that the Milan, a near exact copy of a For Fusion, has less expensive monthly premium rates than its fraternal twin there are a couple of factors at play. One, Mercury drivers get in fewer accidents than Ford drivers and for some reason the Mercury badge unbiased lacks that cache with car thieves. Gee, I wonder why!

Hyundai Santa Fe—Designed from the outset to feature bumpers that will impact properly with lower set cars, the Santa Fe is also pretty easy to repair. Add in a low rate of theft on this high value SUV proposition and you have the makings of a money saving star.

Toyota Prius—It may seem like everywhere you look people are driving these hybrid cars. But that still doesn’t mean anyone wants to steal them. Is it because most car theft rings aren’t savvy enough to dismantle a Prius, yet? Give them five or ten years. I am pretty sure thieves will have it figured out by then.

Ninety-one year old Nicholas Encarapera from Stockdale slowly makes his way over to a table covered with a demonstrate of vegetables being unloaded from the back of a truck. He is immediately greeted by a man who knows him by name. He picks out the vegetables he wishes to take home and pays for them. Before he can even get his change, his bags are scooped up and carried to his car for him. When he decides to make his design aid to the table for more, he is immediately waited upon by the same apt man. Where exactly is Encarapera receiving such wonderful service? Surely it can not be at a chain store such as Wal-Mart, or even a small grocery store. Instead Encarpera has just made a purchase of recent gain from Joe Volker, of Volker Farms, at the Farmer’s Market in Charleroi.

Encarapera said that he has been coming to the Farmers Market ever since they first opened in Charleroi, about 30 years ago. He remembers it being held on Fifth Street in the beginning and then fascinating to various locations before ending up in Magic City Square. So what has kept this man coming back every year for the past 30 years? When asked Encarapera simply replied, “I come for the modern grown vegetables.”

Pam Messina is also a repeat customer of the Farmers Market. She said, “This is my third year coming. I keep coming aid because of the fresh produce from local growers.”

The local growers that sell their obtain at the farmers Market near from three different farms. Harden Family Farms, located in Fredericktown, Volkar Farms, also in Fredericktown, and Skokut Farms, found in Monongahela. Each of these farmers agree that the reason they all advance to the Market is to sell their produce. As Mae Harden said, “You have to have someplace to sell you vegetables.”

Nick Skokut, from Skokut Farms, has been regulary selling his vegetables at the Market since the beginning. He has faithfully come each week to sell his wares from the back of his pickup truck. The week that the Market opened, July 12, Skokut showed up, but with no vegetables to sell. Instead he had something totally different up for sale, flowers. He said, “My create wasn’t ready in time so I brought flowers instead. I had a lot of them (flowers) that I had grown. They are beautiful and they have deep roots, great for planting.” Skokut said that he believes his vegetable will be ready to bring to market in the next week or two, but until then you can buy some beautiful flowers from him for $1.00-$1.50 a package.

The Farmers Market is open on Thursdays from 5-9 PM. It usually runs from July through October, though most of the farmers do not stay until the end. The Market is held in Magic City Square in Charleroi, reach the old Montgomery Ward building and where Sparkle was located. The farmers only accept cash and vouchers as payment, no credit cards.

Each farm has differnt prices for their produce, but for the price is well worth it. As Joe Volker said, ” The Farmers Market is a chance to salvage fresh home grown produce. The flavor is much fresher.” Skokut agreed and went on to say, “People want original produce.Here the price is lower and the service is better than big markets.”

What does it take for these farmers to participate in the Market? According to Mae Harden, it takes insurance and money. However is is also as Mae said, and these farms have proven, “It take a dedicated farmer.”

Welcome to raysmusicexchange.com Blogs!