It is important to know every little detail about auto insurance policies to make sure you save the most and spend the least. Car insurance is a vast topic and with an industry so big, things are bound to get complicated. There are so many types of auto insurance policies in the market, with each company having its terms and conditions. One important part of owning car insurance is renewal.
Car insurance renewal might seem like a quick and simple process that does not require much thought process. But if you have been just paying the renewal price and nothing else every time your policy needs to be renewed, you could be missing out on great discounts and opportunities to save money on auto insurance policies.
This article will describe everything you need to know about car insurance renewals, the things to do, things to avoid, and things to do to save money and get better coverage. Let’s get started.
What’s Car Insurance Renewal?
All car insurance policies are not bought forever. You pay the price for a certain period and then the policy needs to be renewed to be active, just like your data subscription or your WiFi connection. This renewal either happens every year (annual) or twice a year (semi-annual). It solely depends on the policyholder which renewal cycle they prefer.
Policyholders usually get a notification, usually a mail somewhere around 30 to 45 days before their policy is about to expire. With the rise of digitization, it is very easy to renew your auto insurance policy. You can either get it done by a trusted, official insurance agent, or through your computer or smartphone on the auto insurance company’s website/application. You can also visit the insurance company’s office with your policy information and get it renewed there.
A big disclaimer; never trust anyone who pretends to call you from your auto insurance company and asks you for sensitive information such as your bank account details or credit card information. If they ask you to open a shady website or make a transfer, cut the call and contact your insurer immediately.
Saving Money During Insurance Renewal
There are some great ways you can save money and get better coverage during the renewal period. Since this is the time you can look at the policies you own, your requirements (which change with time), and other factors affecting your driving habits. Let’s take a look at the things you should do to save money while renewing your car insurance policy.
If you did not make any insurance claims during the policy period, you could be eligible for no-claims bonuses. These bonuses are discounts that you get when you renew your policy. The amount of discount you get may vary, but it usually ranges from 20% to 50% (if you have made no claims for three consecutive years, you could get 50% off on the renewal price).
This is only applicable if you have not made any claims. So while renewing, check for any no-claims bonuses or ask your insurance agent for the same. Even a 20% discount is a big price cut.
Choosing New Policies
Everybody wants to get great auto insurance policies, where the prices are low, and coverage is excellent. Sadly, you might make the mistake of choosing the wrong car insurance company and be stuck with them. The policy renewal period is your chance to make a better choice.
If you are not happy with your current auto insurance company, then look for better car insurance companies in the market with better coverage at lower rates. Just make sure to keep your search specific to get the best results. For example, if you live in Texas, then look for Texas’ best cheap car insurance companies and find the one that suits you the best.
Renewal time is also the time when you can completely switch your auto insurance policy. For example, if you have reduced your car usage, or perhaps the place where you work has adopted a hybrid work routine with some days of office and some days of work from home, then how about switching to pay-per-mile auto insurance?
With pay-per-mile car insurance, you only pay for the miles you drive, just like gas. So if your monthly mileage has reduced significantly, and you do not need general car insurance, then the renewal period is the time to make the switch and get a better, more useful car insurance policy.
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20 Essential Tips for Optimizing Your Site for Mobile Search
As more and more people use mobile devices to access the internet, it’s important to make sure your website is optimized for mobile search.
Here are 20 essential tips for optimizing your site for mobile search:
1. Use responsive design: Responsive design is a type of web design that makes websites look good on all devices, including small screens.
2. Use large font sizes: Make sure your font sizes are large enough to be easily readable on small screens.
3. Use short and descriptive titles: Keep your titles short and descriptive so they can be easily read on small screens.
4. Use mobile-friendly content: Make sure your content is easy to read and navigate on small screens.
5. Use images wisely: Use images sparingly and make sure they’re optimized for small screens.
6. Use simple menus: Keep your menus simple and easy to navigate on small screens.
7. Use social media buttons: Make it easy for visitors to share your content on social media by adding social media buttons to your website.
8. Use mobile-specific design elements: Use design elements that are specifically designed for mobile devices, such as click-to-call buttons and maps.
9. Use Accelerated Mobile Pages (AMP): AMP is a type of code that makes pages load faster on mobile devices.
10. Use Google Search Console: Google Search Console is a free tool that helps you track your website’s search performance on Google.
11. Use Google Analytics: Google Analytics is a free tool that helps you track your website’s traffic and performance.
12. Use keyword research: Use keyword research to find the right keywords to target for your mobile website.
13. Use backlinks: Backlinks are links from other websites to your website. They help improve your website’s search engine ranking.
14. Use sitemaps: Sitemaps are files that contain a list of all the pages on your website. They help search engines index your website more effectively.
15. Use structured data: Structured data is code that helps search engines understand the content on your website.
16. Use robots.txt: Robots.txt is a file that tells search engines which pages on your website they should index.
17. Use hreflang tags: Hreflang tags are tags that tell search engines which version of your website to show users in different languages.
18. Use mobile-friendly URLs: Make sure your website’s URLs are easy to read and remember on small screens.
19. Use local SEO: Local SEO is a type of SEO that helps you rank higher in search results for local searches.
20. Use Google My Business: Google My Business is a free tool that helps you manage your business’s information on Google.
By following these tips, you can make sure your website is optimized for mobile search and get the most out of your mobile traffic.
1. What is responsive design?
Responsive design is a type of web design that makes websites look good on all devices, including small screens.
2. What are the benefits of using responsive design?
The benefits of using responsive design include improved user experience, better search engine optimization, and higher conversion rates.
3. What is AMP?
AMP is a type of code that makes pages load faster on mobile devices.
4. What are the benefits of using AMP?
The benefits of using AMP include improved page loading speed, reduced data usage, and improved user experience.
5. What is Google Search Console?
Google Search Console is a free tool that helps you track your website’s search performance on Google.
6. What are the benefits of using Google Search Console?
The benefits of using Google Search Console include improved search engine ranking, higher click-through rates, and more website visitors.
7. What is Google Analytics?
Google Analytics is a free tool that helps you track your website’s traffic and performance.
8. What are the benefits of using Google Analytics?
The benefits of using Google Analytics include improved website traffic, higher conversion rates, and better marketing insights.
As you can see, there are many benefits to using responsive design and mobile-friendly design elements on your website. By following these tips, you can make sure your website is optimized for mobile search and get the most out of your mobile traffic.
Maruti lines up the Grand Vitara SUV for this festive season
The new Grand Vitara is built on the company’s new crafted futurism design language and gets many premium as well as SUV design cues, such as body cladding, roof rails, as well as skid plates.
Maruti Suzuki has been in the thick of action in 2022 when it comes to launching new cars into the market. The Indo-Japanese brand has launched many new offerings across all segments, including cars like the Alto, Baleno, Brezza, and XL6. The company has now reintroduced the Grand Vitara name to the market with a new compact SUV, one that comes with many engine and gearbox options. It is also the first car from the brand to get a strong hybrid model and the first in a long time to get an all-wheel drive option.
The new Grand Vitara is built on the company’s new crafted futuristic design language and gets many premium as well as SUV design cues. This includes elements such as body cladding, roof rails, as well as skid plates. The highlight of the face is the triple LED headlamps, which certainly add to the appeal. The Strong Hybrid or the Intelligent Electric Hybrid gets a more premium, rich chrome finish on the grille and a glossy black finish on the cladding. Overall, the car looks quite big and commands a solid presence on the road, something that will work well for the buyer both in the urban as well as rural markets. The SUV gets 3 dual-tone and 6 monotone colour options, including the very popular Nexa Blue.
The Grand Vitara is loaded with features, something that cannot be said about every car from Maruti Suzuki. Once again, it is the strong hybrid model that gets an enhanced appeal with exclusive features like wireless charging, head-up-display, and ventilated front seats. The SUV also gets features like a panoramic sunroof with dual sliding panes, a 360-degree parking camera, a Smart Play Pro+ infotainment system, and in-built Suzuki Connect technology, which comes with more than 40 connectivity features. The 2nd row is good on space, and 3 passengers can sit here in relative comfort. The good thing is that all three get adjustable headrests and, more importantly, 3-point seat belts. Talking about boot space, the smart hybrid model gets more volume as batteries eat up some of the space in the strong hybrid version of the car.
Both the smart hybrid and intelligent hybrid models of the Grand Vitara come with 1.5-litre petrol engines. The former runs on the familiar new-Gen K-series 1.5-litre, Dual Jet, Dual VVT petrol engine that does duty on many cars from Maruti Suzuki. It comes with a choice of 5-speed manual and 6-speed automatic transmission options, and here the brand is claiming a fuel efficiency of up to 21.11kmpl depending on the variant you choose to buy. This Smart Hybrid comes with a dual battery setup and offers brake energy regeneration, torque assist, and idle stop-start function.
The Intelligent Electric Hybrid gets a dual powertrain system, which includes an electric motor and a 1.5-litre engine. The self-charging SUV gets multiple drive modes (EV, Eco, Power, and Normal). This allows it to switch between the engine and electric drive modes. The setup also harnesses the power of both powertrains, depending on the driving situation. The SUV can also run as a pure EV, resulting in zero emissions. The model is available with an e-CVT transmission and delivers best-in-class fuel efficiency of 27.97 kmpl. It comes with a standard warranty of 8 years/160,000 km on the Li-ion battery pack.
The SUV also gets Suzuki’s All Grip Select technology, albeit only with the smart hybrid model and only with a manual gearbox. The electronically controlled All-Wheel Drive system comes with four selectable driving modes—Auto, Sport, Snow, and Lock. This enables the SUV to take the road less travelled and tide over challenging conditions.
Talking about safety, the car gets six airbags, which include front, side, and curtain airbags. It also gets an electronic stability program with hill hold assist and front and rear disc brakes across all variants. You also get safety features like hill descent control and a tyre pressure monitoring system on the SUV.
The smart or mild hybrid model of the Grand Vitara is priced between Rs. 10.45 lakh and 17.05 lakh, while the price of the intelligent electric hybrid ranges from Rs. 17.99 lakh to Rs. 19.65 lakh. The only All-wheel drive variant is priced at Rs. 16.89 lakh, all prices ex-showroom. Maruti says to encourage faster adoption of cleaner, greener hybrid electric vehicles in the country, the Grand Vitara strong hybrid gets a special introductory package consisting of an extended warranty till 5 years/1 lakh kms and a ‘Pristine’ accessory pack which is worth over Rs. 67,000. The SUV can also be owned through Maruti Suzuki Subscribe at an all-inclusive monthly subscription fee starting from Rs. 27,000. This fee covers the cost of complete registration, service and maintenance, insurance, and roadside assistance.
The author is a senior editor at carandbike.com.
Crickex App: Download & Installation process, Betting Options
Crickex is the leading sports exchange platform in South Asian countries like India, Bangladesh, and Pakistan. It is the most reliable and trustworthy platform when it comes to online sports betting. The website features the best promotional offers and bonuses in the online betting market. In addition, Cricket also offers the best user interface for its customers.
Cricket has a wide variety of games on its platform. Users can register with Cricket and bet on popular games like Cricket, Kabaddi, Football, online casinos, lottery, etc. Besides, they also provide a range of Promotional offers and other bonuses that the users won’t find anywhere else in the online betting market.
In addition, there are several payment methods on Crickex, using which the users can deposit and withdraw their winnings easily. The transactions can be done using credit cards, debit cards, wallets, Internet Banking, etc.
Crickex has a huge market base in both India and Bangladesh. The company has a safe work permit to operate in South Asia. Crickex has valid licenses from the Curacao Gaming Commission. Besides, the features such as SSL, data encryption, and data scrambling helps in making it a secure platform to bet.
Crickex also provides other unique features to make online betting easier for its users. Some of the features include:
- Real Odds offer more winning chances to the users.
- A unique cash-out feature that helps withdraw your winnings.
- 24*7 customer support using E-mail, Live chat, and social media. It helps in the quick resolution of customer issues.
- A range of available payment and withdrawal methods helps in making transactions easy.
How to Download the Crickex App?
Users can download the Crickex App from its official website. Besides, the download is available to Android users only. Using the app, users can bet on a wide range of online sports and casino games, at their convenience. Also, the download is safe and compatible with every mobile phone. Below are the steps to safely download the Crickex app on your Android phone.
- Once you click on the Android download icon, a 4.83 MB.apk file appears on the screen.
- Now, click on the download file icon and wait for it to download.
- Then, open the file using the Package installer on your Android phone.
- An icon appears on the screen that asks whether “Do you want to install this app?”.
- After clicking the “Install” button, wait a few seconds.
- Now that the app is installed on your phone, you can use it.
Betting Options on Crickex
On the Crickex app, you can bet on your favorite sports. The Crickex sportsbook has more than 15 different sports betting markets available for betting. The most popular options include cricket, soccer or football, rugby, tennis, kabaddi, and more. Besides, there are several online casino games and lottery games to bet on.
Users can bet on the Crickex app using a Multiple Account and Bet Limit Rule acceptance page. It helps avoid heavy losses due to aggressive betting. Thus, the website helps in playing a key role in safe and responsible betting.
Besides, users are not allowed to bet higher than the upper betting limit that is set by the website. In addition, Crickex also offers a sportsbook experience for players who like to stick to the basics.
Its sportsbook is a different section entirely. So, you must check out the sportsbook from the homepage by clicking on the “Sportsbook” option.
Crickex is the most unique and reliable platform in terms of the variety of games and odds offered. Besides, it also offers a betting exchange experience and live betting with a streaming service.
Another interesting feature on the platform includes the Parlay bet. It allows users to mix different wagers into a single bet. Also, the variety of gaming options on the platform makes it one of the best in the business. Download the Crickex App for more interesting betting options and games.
Instagram to develop safety tool to protect users from filthy DMs
Instagram is developing a new security feature that will shield users against sexually inappropriate photographs in their inboxes. According to The Verge, the “Nudity Protection” tool will work to weed out instances of online harassment known as “cyberflashing.”
Recent days have seen a significant rise in cyber-flashing incidents, which entail sending unwanted sexual messages to strangers, frequently women. By empowering users to automatically reject direct message requests containing objectionable content, this new functionality aims to combat this threat.
The report says Meta is going to use machine learning to support people to shield themselves from nude photos and other undesirable messages.
Alessandro Pauzzi, a Meta developer, also shared a sneak peek of the new feature on Twitter.
In a tweet, he shared the screenshot of the possible feature and wrote, “Instagram is working on nudity protection for chats. This technology covers photos that may contain nudity in chats. Instagram CAN’T access photos.”
Confirming this, a Meta spokesperson told The Verge they are working closely with experts to assure these new features maintain people’s privacy while also providing them to control over the communication they receive. The technology won’t let Meta view the actual messages or share them with third parties, the spokesperson mentioned.
When the feature is released, Meta said, users will have the option to enable or disable it at their choice. The feature is currently in the development phase.
A control system for parents of minors using the social networking site owned by Meta in India was recently developed. This function is now considered to be the next development in ensuring users’ privacy and security.
In addition to the current Hidden Words function, which was first launched in 2021, this feature will be available. Users can automatically filter problematic words, phrases, and emoticons into a protected folder using the Hidden Words function. Even DM inquiries that are presumably spammed are filtered out by this tool.
Prime Minister Modi to inaugurate 5G services on October 1
The 5G services will be launched by the Prime Minister Narendra Modi on October 1 at the India Mobile Congress.
In October, the Prime Minister will open a four-day conference where top telecom providers including Reliance Jio, Bharti Airtel, and Vodafone Idea will outline their 5G plans for the nation.
According to a source with knowledge of the situation, “the 5G services will launch in India at the India Mobile Congress on October 1.”
The department of telecommunications (DoT) and the cellular operators association of India jointly organise the India Mobile Congress (IMC), one of the major telecom, media, and technology events in Asia (COAI).
This news comes about a month after Reliance Industries Ltd. announced it would invest 2 lakh crore to build out its 5G services in important cities including Delhi, Mumbai, Chennai, and Kolkata by Diwali and throughout India by December next year.
The Reliance Jio intends to launch Jio 5G by this Diwali 2022 in a number of significant locations, including the megacities of Delhi, Mumbai, Kolkata, and Chennai.
Within the next two months, by Diwali, we will launch Jio 5G across multiple key cities, including the metropolises of Delhi, Mumbai, Kolkata, and Chennai. By December 2023, which is less than 18 months from today, we will deliver Jio 5G to every town, every taluka, and every tehsil of our country,” Ambani told shareholders at the company’s annual general meeting on August 29.
By March 2024, Bharti Airtel, a competitor of Reliance, intends to roll out its 5G services in 5,000 cities and towns.
“By December, we should have coverage in key metros. After that, we will expand rapidly to cover the entire country,” Gopal Vittal, the chief executive officer of the second largest telecom operator, said earlier this month.
Even though Vodafone Idea purchased spectrum in 17 circles across the nation during the auction month, it has not yet made any announcements regarding its plans for 5G services.
The government’s airwave auction saw Ambani’s Reliance Jio Infocomm Ltd emerge as the biggest buyer, spending 88,078 crore, more than twice as much as Bharti Airtel Ltd, which came in second.
By selling 51,236MHz of spectrum at the week-long auction, Ambani’s acquisitions assisted the government in earning a record-breaking 1.5 lakh crore. Wireless operators purchased 71% of the available airwaves in the 72,098MHz band, including 5G spectrum, with the sale of spectrum in the 3.3GHz band generating the highest revenue of 80,590 crore. A total of 39,270 crore, 14,709 crore, and 10,376 crore were generated from the sale of airwaves in the 700MHz, 26GHz, and 1,800MHz bands, respectively.
“We understand that the spectrum purchased is good enough for covering the entire country. So, there’s good reason to believe that in the coming two to three years, we’ll have very good coverage of 5G in the entire country,” telecom minister Ashwini Vaishnaw had said after the auction.
Samsung Galaxy Z Flip 4 is worth the money
Flip 4 is all about its design. It is compact, and the tiny foldable flip makes it unique and worth the pick.
Samsung Galaxy Z Flip 4 is similar, constant but worth the upgrade. After the success of Flip 3, we now have Flip 4. How is it different and what does it offer? What makes it a worthwhile pick? Let’s find out.
On the face of it, it derives from the same design language with no real difference. The form factor of this phone is the real winning element of this device. It is small, easy to carry, and does look very cute, making it without a doubt the best flip you can have.
Samsung has really worked its way right when we talk about the foldable segment. The Flip 4 gets a better camera, battery, and a new chipset.
DISPLAY AND DESIGN:
Flip 4 is all about its design. It is compact, and the tiny foldable flip makes it unique and worth the pick. It does have an oomph factor, which might not appeal to everyone. For those who like the look of it, it’s totally worth it then. It’s the design of this device that makes it stand out. It comes in four colors: Bora Purple, Graphite, Pink Gold, and Blue. There’s a single USB Type-C port on the bottom, and only two buttons: a power button and a volume rocker. In comparison to the other flip phones that are available globally, the Flip 4 is worth the money and totally wins in design.
The cover screen gets bigger and better and, trust me, you can do it all on it. Now you do not really have to flip the device open to make the changes. The cover screen lets you use the camera, access widgets, and toggle quick settings. You’ll see the time, date, and battery percentage on the main cover screen. Naturally, you can customise it with your own imagery. There’s also an always-on display option, which is turned off by default. If you swipe in from the left, you’ll see notifications, and from the right, you’ll see widgets. If you swipe down from the top, you’ll get quick settings. You can access the camera via the cover screen, giving you some worthy selfies. Having a proper ultra-wide lens means that you can take great group photos as well.
The Flex mode when your device is at 90 degrees is one such mode, which is great for taking video calls and meetings. A few apps have been optimised for its usage as well, but I used it the most for meetings. It does work like a real mini tablet, which does the job.
You might not be buying the Flip 4 for its camera. It does have a decent set up, but the strongest point of the device is that you get a dual 12MP sensor, and the main camera has been improved for better low-light performance. The front camera has a 10MP sensor There are two 12MP sensors (f/1.8 and f/2.2 ultra-wide), and there’s no telephoto lens.
The picture quality is average and is majorly meant to just click pictures, not to take some extraordinary shots. It’s great for group selfies via cover screen. You can shoot 720p 960fps slow motion video as well.
The new chip set is the highlight of the device. The Galaxy Z Flip 4 includes a Snapdragon 8 Plus Gen 1 and 8GB of RAM. You are getting some top-level specs and experience. I wasn’t expecting such a jump for Flip4. It is a great addition and something to appreciate Samsung for. The device worked seamlessly for me without any hiccups. You might buy the flip for the design, but you will love it for its performance as well. (This might not apply to all.)
The battery of the device is good. It could have been better. It does last you 10–12 working hours. You don’t get a charger in the box.
The question always boils down to whether you want to choose this device or not. Then again, if you are looking for a stylish device that is compact and does have appeal, it fits well in your pocket and handbag, does look different, and it is convenient. You get an updated chipset which works fairly well.
Then this one could be an easy pick. But if you want a device with a good camera and are not inclined towards the flip action, then you might not want to spend Rs 89,999 on this device.
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