Back to the future in Cuba

But there’s a darker reason behind the abundance of classic cars in Cuba and it’s not just that citizens love old cars. It goes back decades—more than five—to the time when we put in place a trade embargo with Cuba.

That’s why you don’t see new cars from the US in Cuba–none are sold to Cubans.   The fact is that no new cars from anywhere are traded there because the Cuban government put in place a law that only cars already in Cuba could be for sale without permission from the government.  The same cars over and over. Think about it.

The effect of these rules and laws were that Cubans could only drive the cars that were already in the country.  Very few Cubans own cars—they can’t afford them. They just don’t make enough money.  A car is not a necessity for the average Cuban.

That situation is slowly improving.  Now, Cuba allows people to buy and sell cars.  But there’s a catch. After all the government fees are added, Cubans can expect to pay up to $250,000 for a normal new car. Since the majority of the population lives at the poverty level, few can afford a new car at normal prices, but at these inflated prices it is an impossibility.

As our relations with Cuba can improve, so could this situation. The U.S. is interested in opening trade with Cuba and if that happens, the embargo could disappear. Cubans might have access to American cars—assuming they can afford one.

But car enthusiasts in America are excited that they may be able to buy some of the vintage cars they’ve seen in Cuba. Some are pretty rare today.

There’s a problem, though: these cars are in poor repair and few have any kind of seat belt. They’re just not safe.  While we may think auto insurance rates from are high, one can only imagine insurance rates for these unsafe old cars.

New Jersey Homeowners Insurance

Reasons You Need To Have New Jersey Homeowners Insurance

The state of New Jersey has plenty to offer to everyone whether it’s the food that you crave or the long strolls around the boardwalk. You can choose to unwind around the beaches or sit peacefully in a park surrounded by lots of children and scenery. No matter what it is that draws you into New Jersey, there are plenty of reasons why relocating or purchasing a home in New Jersey is right for you.

When moving into the state of New Jersey or relocating from one end to the other, you most likely are looking for cheap or affordable home owners insurance. You want to be sure that when you have moved and settled into your new home, that your personal belongings are cared for and protected, even when you are not around.

With the right New Jersey homeowners insurance from, you can bet that your insurance company will go that extra mile to keep you well protected. There are even home owners insurance policies that will allow for a guest in your home to be covered under your plan for medical bills should they become injured while visiting. If your home is broke into and their valuables are stolen, there is even a plan that will allow for their items to be replaced.

When you are ready to choose which of the insurance companies is right for your New Jersey homeowners insurance, you should make sure that you have taken a complete inventory of all the items in your home. You want to make sure that along with the inventory list, you have a price list of how much the items are worth should something go wrong and your home is vandalized, you are able to have the items replaced at a good price and fairly quickly.

You do not want to wait to get your insurance quote. You want to make sure that the moment you own your home or begin paying on your own home that you purchase the homeowners insurance. You do not know when something could go wrong or when something might happen that could cause the home to drop in value. For this reason, you should make sure everything is covered. If something were to go wrong, you at least can be rest assured that you at least have your home covered. With the right insurance company, all your worries will be washed away.


“But I’m a good driver,” you say, “why do I need car insurance?”  And maybe you are.  But as any resident from South Carolina will attest, you’re not the only one on the road—America’s freeways, interstates and city streets are all jam-packed with cars, trucks and motorcycles (not quite Planes, Trains and Automobiles, but close!)  Furthermore, as any experienced driver will tell you, there are a lot of poor drivers on the road, meaning that at any moment, even if you’re an excellent driver, a terrible one could sideswipe your vehicle or even just rear end you at a red light, causing considerable damage to your car, potentially causing you and your friends great mental and physical injury, and leaving you with a mountain of bills which you may be unable to pay.  However, the law in South Carolina and elsewhere in the United States require you to be financially responsible for your vehicle, so pay you must.

And that’s where the importance of being able to get South Carolina car insurance quotes comes in.  Most of us don’t have the financial wherewithal to be able to pay out of pocket for accidents, meaning that you’re likely need insurance, which in turn means that you’re going to need quality South Carolina car insurance quotes to find the best rates.  That being said, insurance itself can be costly, which is yet another reason why those quotes are so important.  You want to find the best estimates when it comes to prices and premiums so you don’t have to spend more money than you have to.  This is a mistake that too many first-time insurance applicants make, and it’s one which comes back to haunt others who choose not to search for insurance as well.  Ducking insurance costs at the risk of paying out of pocket is no way to live.


That’s why you’re going to want to Google and Yelp your way to the best South Carolina car insurance quotes from, comparing rates against one another through third-party sites as well as via your own independent research on a companies official website.  There are too many things over which we have little to no control.  Economic uncertainty abounds in today’s day and age.  Car insurance quotes allow you to find the best coverage package for you and drive with the peace of mind knowing one of your most important assets is secured.

How to Utilize California Home Insurance Quotes

How to Begin the Process

To begin the process, consider your needs. It’s pointless to collect quotes for an array of policies with different coverage levels. It’s much smarter to decide which level of coverage you want before you begin the comparison-shopping process in earnest. You can get a handle on different coverage levels for a variety of policies by visiting official insurance company websites. These websites feature tons of information about policies and they are also the best place to find quotes once you have decided on a preferred level of coverage.

To get best results, look at several policies from different companies. Then, determine a preferred coverage level and use online quote generators in order to move forward with making a final decision. Once you’ve done this sort of intensive comparison, the greatest deal should pretty much “jump out at you”!

What Should You Look For?

In terms of what to look for from this form of coverage, you should seek out fire protection which allows you to file a claim if your home and possessions in your home are damaged by fire. Filing a claim will give you the power to get reimbursed for at least some of the cost of repairs and replacements. Typically, you’ll need to pay a deductible before you get your money. However, the cost of a deductible will vary and deductibles are also something that you should look at while you’re shopping around.

Some policies provide a lot more than fire protection, although you may need to pay more in premiums in order to access adequate coverage.


Other policy features to consider include loss protection which will allow you to file a claim if your home is robbed and protection from water damage. In general, insurance company websites will offer detailed explanations of just what is covered via specific policies. However, these product descriptions may not tell you everything, so do read the fine print on a contract before you sign on the dotted line.

What to Ask When Getting Homeowners Insurance in Arizona

Buying insurance for your new home is a big investment. It is one that should not be entered into lightly. There are things you may not think of before you meet with an insurance company like, so here are a few areas you need to be ready to discuss.

  • Are there any personal belongings that would not be covered under my homeowners insurance policy? If not is there an addendum or additional charge for this extra coverage?
  • What do you need to prove the value of your personal belongings? Do you need separate photos of each item with the cost of the item when purchased new? Do you need to list where the item was purchased? Can you do a general video going through everything in your house and save it to a disk?
  • With the weather changing across the country, are there things you should be aware of when purchasing Arizona homeowners insurance? The area is drier and less humid and there is no chance of snow, but heavy rains could easily change your neighborhood into a flood zone. Would this kind of unexpected weather be covered under your homeowners insurance?
  • Does this company offer any discounts? Most homeowners insurance policies give a discount if you have an alarm system put on your home. Indoor motion detectors and surveillance cameras will help to cut the liability that the insurance company has to bear.
  • Find out in advance if any buildings that are not attached to your home are covered by homeowners insurance. This would include a carport, a separate garage, a greenhouse, and even a shed.

Finding out the answers to all of these questions can seem to be time consuming and they are. But if you think this takes time, placing a claim and having to put all of these details together later or finding out that something you thought was included is not could put a huge financial drain on you and your family.

Do as much legwork ahead of time as you can to save you time and money later. Go for as many discounts as you can and ask about others you may want to implement in order to save some money in the long run. If the roof looks iffy don’t wait until a good wind increases the damage. It’s always a “pay me now or pay me later situation.”


Three tips to help you buy the best Illinois car insurance available

But don’t feel bad – the overwhelming majority of people out there with Illinois car insurance protection are driving around paying a lot more for coverage than they should be, and almost all of them are blind to this fact.

But not you.

No, by the time you’re done reading this quick guide, you’ll be able to uncover the very best Illinois car insurance from or dramatically reduce the amount of money that you’re paying for Illinois car insurance right now.

Ready to jump right in?


Let’s get right to it.

Boost your deductible to save money on Illinois car insurance

They are a lot of people out there that carry miniature insurance deductibles on their car insurance because they don’t want to have to pay a lot of money out-of-pocket should they need to take advantage of their insurance.

And while there is certainly something to be said about that, the truth the matter is most people aren’t going to have to pay any deductible on their insurance – mostly because the overwhelming majority of people out there aren’t going to end up in an accident!

If you feel like saving a bunch of money over the short and long-term (and have an emergency fund set up just in case), think about stretching your deductibles a little bit higher. You can say a few thousand dollars right off the top.

Take advantage of uninsured motorist car insurance protection

On the flipside, it’s almost always a good idea to take advantage of extra uninsured motorist Illinois car insurance when available.

The last thing in the world that you want to have to worry about is getting into an accident with an uninsured motorist and having to foot the bill all on your own because of it. This protection covers you in these events, and isn’t all that expensive to add-on to a policy.

Decide if an umbrella policy is right for you

Lastly, it’s probably a good idea to add an umbrella coverage policy to your plan to make sure that your liability is completely protected across the board. Most plans are good for $1 million of umbrella coverage, though customers can also take advantage of Illinois car insurance plans with $2 million worth of liability coverage – for those that are extra cautious.


Michigan home insurance quotes

The best way to land the cheapest Michigan home insurance quotes

If you are planning on taking out a mortgage for your home in Michigan, you’re going to need to make sure that you are carrying the appropriate amount of home insurance.

Everyone with a mortgage in Michigan needs to carry homeowners insurance, protection that not only guarantees individual homeowners are protected from pretty much any and every eventuality – but also that mortgage holders and lenders are protected as well.

Finding the cheapest Michigan home insurance quotes is nowhere near as simple or as straightforward as it probably should be though. Hopefully armed with the inside information below you’ll find the search for cheap Michigan home insurance quotes to be a lot easier!


Always actively compare three or more companies against each other

One of the fastest ways to guarantee that you get the best possible home insurance quotes from Michigan-based companies (or national companies working in Michigan) is to compare and contrast three different services against one another with – while making them aware of the price comparison process.

Pitting these companies against one another practically guarantees that you’ll get the lowest possible prices available, as they will fight over one another in an effort to win your business.

This is a great way to get your hands on the cheapest Michigan home insurance quotes around!

Make sure you are getting any and all discounts available

Secondly, you’ll want to be sure that you are getting any and all discounts that are available to you as a homeowner. Most companies offer different kinds of deals and discounts to new homeowners, homeowners that are purchasing a second or vacation property, were homeowners that are rolling their insurance protection in with other insurance policies.

Depending upon your specific situation, the odds are likely that you’ll be able to come up with anywhere between $250 and $1000 or more each year in different Michigan home insurance discounts.

This can be the make or break deciding factor between moving forward with one particular Michigan home insurance company and another.

Hopefully now you feel like you are armed with all of the info you need to make the right decision while you go out and shop for different Michigan home insurance quotes. This process can be a lot easier than a lot of people make it out to be if you go into the process with both eyes open!


Is Ohio Home Insurance Affordable?

Yes, Ohio home insurance is affordable. Basic coverage is available and choosing basic coverage will be the most budget-conscious way to access home insurance in the Buckeye State.

However, if you have the disposable income in place, you may want to spend more on premiums in order to access a higher level of protection.

Consider Your Monthly Budget

How much Ohio home insurance you buy should be dependent on your budget, since the cost of paying for a mortgage and home-related expenses, such as maintenance and repairs, can really add up!

The cost of home insurance will drive the cost of paying for a home up even higher.

However, that being said, it’s something that you should buy, as you’ll find that most financial institutions require it in order to process mortgages. Bank loan officers want to know that their mortgage loan applicants will buy home insurance policies from which are equal or greater than the appraised value of properties.

So, although this type of policy isn’t mandatory according to Ohio state regulations, it’s something that almost every homeowner does buy, mostly to ensure that financing will be approved. Of course, there are other great reasons to invest in home insurance, such as protection from theft of possessions in the home and protection from a range of other problems, such as fire or natural disasters.

Bear in mind that flood coverage is not standard on most Ohio home insurance policies.

Look for Policy Details Online

In order to keep your monthly budget in check, you should comparison-shop for home insurance online and then use your research in order to determine how much home insurance you can afford. Paying for more insurance is always wise, as stuff happens and comprehensive coverage offers incredible protection, as well as peace of mind. However, for some homeowners, the cost of comprehensive coverage is, quite simply, prohibitive.

Insurance companies will be happy to provide fast and free quotations for services. Often, you can get this information without needing to speak to a rep (or emailing one), simply by using resources which are located at the official websites of better home insurance provider companies. For example, many companies offer free online quote generators, which allow prospective customers to find out exactly how much they’ll need to pay for specific home insurance policies. Using these generators is a great way to comparison-shop!

Now that you know just how affordable Ohio home insurance can be, why not shop for a budget-friendly policy today?


Everything You Need To Know About Coverage Options For Pennsylvania Car Insurance

Liability Insurance:

Liability insurance covers you for damages done to other people and property in the event of an accident. This is usually the bare minimum insurance required in each and every state. You need to have at least this coverage for Pennsylvania Car Insurance.

Bodily Injury Liability Coverage

This provides coverage for the injury or death of other people that result in an accident if you are found at fault. In addition, if you are sued for any reason, Bodily Injury Liability Coverage will cover your legal defense costs.

Property Damage Liability Coverage

This coverage protects you against the damage of other people’s property in the event of an accident. It’s important to know that this does not cover your damages.

Full Coverage Insurance

When it comes to Pennsylvania Car Insurance, there is no set “Full Coverage” term. Full coverage refers to someone wanting more than the minimum. It could mean that they want the maximum coverage against any sort of damage – from their own property to that of the other person in the event of an accident. Full coverage also may cover against flood, fire, or other damages.

Comprehensive Coverage Insurance

Comprehensive coverage insurance typically will take care of protecting you against all other non-collision related damage that your car could have. From fire and flood to hair or collision with an animal, this insurance is usually required if you are buying or leasing a vehicle from a bank.

Collision Coverage Insurance

This coverage protects you from accidents when your car collides with another in say, a parking lot. While this is an additional coverage, it will likely be a requirement if you are buying or leasing a vehicle from the bank.

Uninsured Motorist Coverage

If you are in an accident with someone who is uninsured or underinsured, this coverage may provide compensation for your damages and/or injuries sustained in the accident.

When choosing an Pennsylvania Car Insurance policy, you want to make sure you are familiar with the minimum requirements for your individual situation. Terms and conditions can be completely different depending on your insurance company, so make sure you get the precise details from your selected insurance company.