Enhance Your Fishing Experiences With A State Of The Art Eagle GPS Fish Finder

Author: Niall Pesci

Article: The Eagle Fishstrike 1000C has all of the features you need in a fishfinder. It allows you to find your fish every time in almost any location. Just take a look at its many features. It really is a great tool. The first feature you will notice about the 1000C is its ultra bright six inch display screen. With its 256 color sunlight readable display you are sure to see the fish lurking below in clarity and in color! This helps you to distinguish what is down there, where it is hiding and how you will catch it. It also features high speed screen updates which provide you with up to the second views of what is happening.

Imagine being able to watch your fish move, see where it's heading and snag it!

You can use the FishStrike 1000C for many of your favorite things including recording. By offering two waterproof slots, you'll be able to record your trips details to view later. This is a great tool to have to remember where you have been for next time. In fact, the Global Positioning System (GPS) is one of its best features. Allowing you to find out where you are and where you should be heading - its a great tool. It can help you from getting yourself lost as well as finding ports, lakes and coastal ranges as well.

But, that's not all that you can get out of the FishStrike 1000C. You'll find some of the best sonar on board this system as well. It has a depth capability of 1000 feet which is perfect for most any situation. It has high detection features for finding your fish as well. That is, using such features as Fish ID and FishTrack you'll be able to see your fish, watch it move, label it, and plan how you will lure it in. You have so many options with this high quality sonar that there is virtually nothing you can not do.

So, what is there not to love about the FishStrike 1000C? You won't find much because this is a great tool for any fisherman, beginner or advanced!

About the author: Visit Fish Finder Review for more information and great deals about the <a href=""http://www.fish-finder-review.com/eagle-fish-finder.shtml""> Eagle FishStrike 1000C</a> and other Eagle GPS and Sonar fish finders and marine navigation systems. http://www.fish-finder-review.com Copyright Fish-Finder-Review.com. All rights reserved. This article may be reprinted in full so long as the resource box and the live links are included intact.

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Saltwater Fishing Tips

Author: Jay Bauder

Article: Fishing in Salt Water

There will always be challenges whether one decides to fish either in the river or in the open sea. The important thing to remember is to have patience waiting for the fish and doing your best to catch it when it appears.

To be able to fish, a person needs to get a fishing license since this is a requirement by law and the regulations regarding fishing varies from one state to the other.

The first thing one needs for salt water fishing is a boat. It can range from a simple row boat to a yacht. The size of this vessel depends on how many people will join the trip.

For people who will do it in-shore, a 15 foot sailboat that comes with a cuddy forward to serve as a shelter when it rains should do the job. The boat should not be heavy and yet adequately sturdy to not be swayed by the action of strong waves or some bumps on the beach or on the rocks.

One should always try the edges of the perimeter first instead of plopping bait or lure in the middle. This is because it will scare the other fish away. By going through the sides first, one will have a better chance of catching unsuspecting fish in the middle.

If one decides to go ""down below"" some time, a cod-line is a necessity for everybody to enjoy saltwater fishing. A perch-line will also be good and if it's time for mackerel fishing, a mackerel jig will be an excellent help.

The right time to start salt water fishing is on the ebb tide. This should be during an early time of the morning to ensure that the trip will be a productive one. This will put the tide in one's favor and if the wind is light or not fair, this will also help in going home quickly.

The best place to start fishing is going to a fishing ground that is well known to the locals.

Many anglers who are too impatient move from one spot to another which at times make these people miss a hotspot further decreasing the chances of catching fish. It is advisable to cast out a couple of times before moving on using different types of bait. This should be done from the shallowest to the deepest point.

Sharks in the area can disrupt people from catching fish. By pouring some fish blood on a paper towel or newspaper and rolling it into a ball then casting it overboard, sharks will follow the current and leave the area increasing the chances of catching fish.

About the author:

Jay is the web owner of http://www.fishing-in.net <a href=""http://www.fishing-in.net"">Fishing Reports</a>, a website that provides information and resources about fishing, tackle, lures, and fishing trips. You can visit his website at: http://www.fishing-in.net/Georgia <a href=""http://www.fishing-in.net/Georgia/"">Georgia Fishing</a>

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How to Shop For Boat Insurance

Author: Ian D. Major

If you have a boat, you need boat insurance!

Shopping for boat insurance is a bit different from shopping for car insurance, even though the concept is much the same. Boat insurance will protect you against losses incurred while operating your boat, and while transporting your boat. Most boat insurance includes coverage for the boat, the motor, and the trailer.

When shopping for boat insurance, it is usually best to start with the insurance company that insures your cars and your home. Insurance companies usually give deep discounts to their current customers. Most insurance companies will also give deep discounts to people who have successfully completed a boating safety course.

Ask each insurance company that you contact about such discounts. In most cases, they won't tell you about the discounts unless you specifically ask.

Don't settle for the rate that your current insurance company quotes! Just get the quote, and tell them you will call them back soon. Using that quote as your base, you need to see if you can get the insurance cheaper elsewhere.

Using online resources is a great way to start. Get the quotes, and then contact the agents personally to see if you can work out a better deal. Believe it or not, insurance companies will compete with each other for your business. Don't be afraid to tell them the lowest quote that you have been given so far - make them work for your business!

Know what type of insurance you want and need before contacting any agents. Some agents will try to sell you too much insurance, causing your premiums to skyrocket, while others aren't as knowledgeable about the insurance needs of boat owners and won't sell you enough coverage!

You should be protected against losses caused by sinking, fire, storms, theft, capsizing, stranding, collision, and explosion. The policy should cover anchors, oars, trolling motors, fuel tanks, seat cushions, skis, tow ropes, dinghies, tools, canopies, life preservers, and any equipment that is permanently attached to the boat.

The different types of insurance that you need include Watercraft Liability, Watercraft medical payments, Newly acquired watercraft coverage, coverage for repairs, coverage for emergency services, and coverage for wreck removal. In most states, the liability coverage entails Watercraft Liability and Watercraft Medical Payments.

Watercraft liability will protect you in the event of an accident that results from the ownership, maintenance, or use of your boat. It should include bodily injury coverage, property damage coverage, and even legal defense coverage. It should also protect anyone who drives your boat, as long as they were legally allowed to drive the vessel.

Watercraft Medical payments coverage will pay medical expenses up to specific limits for you and the occupants of your boat in the even of an accident.

Other types of coverage are usually voluntary, but should be strongly considered. There is quite a bit that can happen when you transport or operate a water vessel, and protecting yourself legally should be a high priority!

Again, know what you want in terms of coverage before you talk to an agent, and make sure that you get the coverage that you need.

Compare rates online, and then contact the agents that offer you the lowest quotes. Attend a boating safety course, and make sure that you get that discount! Once you've found lower rates than the original quote that your current insurance company offered you, call them back and let them know that you found a lower rate. See if they can compete - in many cases they will offer to match that rate, just to keep your business! Again - make them work for your business!

CopyRight Ian D. Major 2005.

About the author:

Ian D. Major makes it easy to understand Boat Insurance, quickly and easily. Learn all you need to know by visiting:

http://www.the-boat-insurance-directory.com

an entirely FR*EE source of information about Boat Insurance.

Why You Need Boat Insurance

Author: Ian D. Major

Some people simply overlook boat insurance. They think that nothing bad is going to happen, when in reality, bad things often happen involving boats!

If you own a boat, you need boat insurance. In fact, many states now require boat owners to carry Watercraft Liability insurance before they transport or operate a boat. If your boat has been financed, your lender will almost always require you to carry full coverage boat insurance.

Again, most people don't think anything bad will happen - but bad things do indeed occur!

Vandalism is one problem that you may encounter. This is especially true if you dock your boat in a marina. Vandalism can also occur when you park your boat at your home, or at a hotel when traveling.

When you shop for insurance, make sure that vandalism is covered on your policy. Most issuers of boat insurance will only offer you the Watercraft Liability - but in most cases, you need more coverage than that! Theft is another possibility. Cars are stolen all the time - but boats are stolen as well. In fact, stealing a boat is easier than stealing a car!

Boat insurance should cover you in the event of vandalism, theft, sinking, fire, storms, capsizing, stranding, collision, and explosion. Furthermore, the insurance should cover the boat, the motor, and the trailer used to transport the boat. The boat should be covered no matter who is operating the boat, as long as they are legally allowed to operate the vessel.

Boat insurance will typically cover you in the event of malfunction as well. If something happens to your motor, it should be covered by your insurance. It should also cover you in the event that your boat needs to be towed back to shore.

What you are covered for depends on what type of coverage you purchased through your insurance agent. For this reason, it is important to know what type of coverage is available. Not all insurance companies will offer all types of coverage, but they will offer Watercraft Liability and Watercraft Medical payments.

Watercraft liability covers you just like car liability insurance protects you in the event of an accident where you are found to be at fault. Medical payments will cover medical expenses incurred by you and the occupants of your boat that are the result of a boating accident in the covered water vessel.

Optional insurance usually includes coverage for reasonable repairs, emergency services to your boat, motor, or boat trailer, and wreck removal. Wreck removal is very important coverage to have. If you boat sinks, it will need to be raised before an insurance company can access the damages and pay your claim. This is very expensive, and in most states, the law requires you to remove wrecked or sunken vessels.

Boats may be luxury items - but they are very expensive luxury items.

Repairing or replacing a boat may not be something that you can easily afford - but in most cases, you will find that boat insurance is quite affordable. However, if you are thinking in terms of cost, and you think that you cannot afford the boat coverage, you can be certain that you will not be able to afford to repair or replace the boat either!

No matter how you look at it, you need boat insurance, even if you just purchase the watercraft liability coverage. Again, most states now require this liability coverage for water vessels, and if the boat is financed, the optional coverage may be required as well.

Discuss your boat insurance coverage needs with your insurance agent to determine what coverage is right for you and your boat.

CopyRight Ian D. Major 2005.

About the author: Ian D. Major makes it easy to understand Boat Insurance, quickly and easily. Learn all you need to know by visiting

http://www.the-boat-insurance-directory.com

an entirely FREE source of information about Boat Insurance.

What is the Difference between Third Party Liability and Full Coverage Insurance?

Author: Ian D. Major

Insurance can be very confusing for those of us who are not in the insurance business.

Often, our insurance agents start babbling about liability, comprehensive coverage, third party liability, and more - and we feel like they are speaking a language we have never heard before. Well - in a sense they are.

Again, it is very confusing to those who are not in the insurance business. Unfortunately, if you are to get the coverage that you need, at a price you can afford, you must start learning some of the terminology.

For instance, many people do not understand what the difference between third party liability insurance and full coverage insurance is. Third party liability coverage and full coverage insurance are much the same, but in other ways they are uniquely different. Before you determine which one you need, it is important to understand exactly what each type of coverage is.

Third Party Liability Coverage is essentially coverage that protects you in the event of an accident that is your fault.

It generally covers other people and their property that is damaged in a covered accident. It does not cover you, your passengers, your boat, your motor, or your trailer. Furthermore, third party liability coverage only goes into effect if your boat is in an accident that occurred when the boat was being used in a private capacity, as opposed to a commercial capacity.

Third party liability coverage is required by most states, and each state will have its own requirements as to the minimum liability coverage amounts that you have.

This type of insurance is generally required whether your boat is financed or not. Third party liability insurance coverage is often simply referred to as liability insurance, or in the case of boats, watercraft liability insurance. Talk to your agent to find out how much coverage is required in your state.

Full coverage insurance, on the other hand, will cover you, your boat, your motor, your trailer, and your passengers.

It is often referred to as comprehensive insurance, and it is available in different coverage amounts, with different options that are available for the policy. This type of insurance will be required by most lenders who finance boats, and most lenders will have their own requirements as to which optional insurance is purchased.

Essentially, what it comes down to is that third party liability insurance coverage protects other people and their property in the event of an accident that is your fault, while full coverage insurance protects you and your property - in the same way that the third party insurance protects others.

In fact, full coverage insurance will cover you whether the accident was your fault, someone else's fault, or even no-fault. In most cases, it is in your best interest to have both third party liability insurance coverage - which is required - as well as full coverage insurance - which may be required if you have financed your boat.

Again, even if the boat has not been financed, you should strongly consider purchasing a full coverage or comprehensive policy. Many people even continue to carry the full coverage policy long after the boat has been paid off.

Boat repairs are expensive, and anything can happen.

Most full coverage policies will cover you in the event of mechanical failure, theft, and vandalism, as well as losses caused by storms, fires, explosions, sinking, and much more. Talk with your insurance agent to find out about the different options available for full coverage policies, and make sure that you get the coverage that you need!

CopyRight Ian D. Major 2005.

About the author: Ian D. Major makes it easy to understand Boat Insurance, quickly and easily. Learn all you need to know by visiting:

http://www.the-boat-insurance-directory.com

an entirely FR*EE source of information about Boat Insurance.

Tips on Kayak Fishing

Author: Nicky Pilkington

Article: It takes a long time to become an expert in kayak fishing. The period of apprenticeship, which must be served in order to transform the novice into a veteran kayak angler can be discouraging and often runs into years.

About the nearest thing to a short cut is to have an old-timer take the first-timer under his wing and let the novice accompany him on kayak fishing trips

Basically, kayak fishing is gradually making a name in the industry. Its popularity is steadily creating sustainable gratifications aside from the fact that kayaks have long been used in fishing.

History has it that even in the early times; kayak fishing has long been the primary source of fish supply ranging from the ""flatfish halibut"" to other kinds of big fish. These activities, which happened from the mid 18th Century until the late part of it, were all noted by the Russian Orthodox priests. These turn of events are now known as ""The Native History.""

From then on, kayak fishing continued to dominate the fishing industry, where once, people were doubtful if it could really aid the anglers to catch some fish. The steady feature brought about by its ""sit-on"" type has long been the primary characteristics of kayaks that made it an ideal fishing boat.

However, with kayak fishing, the angler has to learn how to steady the kayak as he tries to paddle through the waters, in which it is considered as part of the whole process.

Therefore, for people who wish to know some tips about kayak fishing, here's a list that may help them enjoy this tricky activity.

1. Safety first

Like any activity, it is necessary that before an individual plunges into action, he or she must first observe some safety measures and background checks to ensure security and protection against any imminent danger.

The angler must check the weather condition, the tide, and other elements concerning kayaking.

2. Hatches should be closed at all times

The angler should always keep in mind that it is best to keep the hatches closed while fishing. Water can never seep through the kayak if the hatches are kept closed.

3. Steady fishing

When the angler is already in the midst of the waters, it is better to have an anchor to keep the kayak steady while on the verge of catching fish.

Best of all, before an individual goes out to the waters, it would be better if he let somebody know his whereabouts. In this way, somebody will be able to keep track of your activity.

As they say, safety should always come first.

About the author: Find out more about <a href=http://aboutfishing.org>fishing</a> including <a href=http://aboutfishing.org>sea fishing</a> and <a href=http://aboutfishing.org>fly fishing</a> at <a href=http://aboutfishing.org>About fishing</a>

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Fishing In Salt Water

Author: Travis Clemens

Article: There will always be challenges whether one decides to fish either in the river or in the open sea. The important thing to remember is to have patience waiting for the fish and doing your best to catch it when it appears.

To be able to fish, a person needs to get a fishing license since this is a requirement by law and the regulations regarding fishing varies from one state to the other.

The first thing one needs for salt water fishing is a boat. It can range from a simple row boat to a yacht. The size of this vessel depends on how many people will join the trip.

For people who will do it in-shore, a 15 foot sailboat that comes with a cuddy forward to serve as a shelter when it rains should do the job. The boat should not be heavy and yet adequately sturdy to not be swayed by the action of strong waves or some bumps on the beach or on the rocks.

One should always try the edges of the perimeter first instead of plopping bait or lure in the middle. This is because it will scare the other fish away. By going through the sides first, one will have a better chance of catching unsuspecting fish in the middle.

If one decides to go ""down below"" some time, a cod-line is a necessity for everybody to enjoy saltwater fishing. A perch-line will also be good and if it's time for mackerel fishing, a mackerel jig will be an excellent help.

The right time to start salt water fishing is on the ebb tide. This should be during an early time of the morning to ensure that the trip will be a productive one. This will put the tide in one's favor and if the wind is light or not fair, this will also help in going home quickly.

The best place to start fishing is going to a fishing ground that is well known to the locals.

Many anglers who are too impatient move from one spot to another which at times make these people miss a hotspot further decreasing the chances of catching fish. It is advisable to cast out a couple of times before moving on using different types of bait. This should be done from the shallowest to the deepest point.

Sharks in the area can disrupt people from catching fish. By pouring some fish blood on a paper towel or newspaper and rolling it into a ball then casting it overboard, sharks will follow the current and leave the area increasing the chances of catching fish.

About the author: Travis Clemens is a life time fisherman and he knows the ins and outs of gettinem on the hook! You too can gettem on the hook with Travis as your guide! http://www.best-fishing-tips.com

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What Are The Different Types Of Boat Insurance Available?

Author: Ian D. Major

When shopping for boat insurance, you may be surprised to find that there are different types of boat insurance policies available. Many insurance companies will only offer one standard watercraft liability coverage policy, while others will offer optional coverage that you can purchase. In fact, if you have financed your boat, your lender may require you to carry specific optional coverage. There are several different types of coverage that you can add to your policy.

The standard insurance is the watercraft liability insurance coverage which is required by many states. This insurance will cover you in the event that damage is caused to another person or another person's property by actions taken with your boat - whether it is during transport or on the water. Again, many states now require this liability coverage, and each state has its own requirements as to how much liability coverage you need to have. Check with your insurance agent to find out what you are required to have.

Watercraft medical payments coverage may also be required in your state. This coverage pays the medical expenses, up to a specific amount, for you and any occupant of your boat which results from a covered accident. Even if this insurance is not required, you should definitely consider it. Medical expenses are quite high. If you think that you cannot afford this coverage, think about whether or not you could afford the medical bills you will have in the event of an accident without the coverage.

Wreck removal and pollution coverage should also be strongly considered. By law, if your vessel is wrecked or sinks, you will be required to remove it. If oil or gas leaks into the lake, river, or ocean, you will be fined - just like the big oil companies are fined when they have spills in the ocean! These fines, as well as the wreckage removal and spill cleanup can be quite expensive without this coverage. Don't make the mistake of thinking that something like this won't happen to you!

You should insure yourself against uninsured watercrafts as well. This works just like uninsured motorist insurance when you purchase coverage for your automobiles. If someone who does not have insurance - or adequate coverage - collides with your boat on the water, your insurance will pay for the replacement of your boat, or for the needed repairs.

Towing and assistance coverage should also be strongly considered. Getting towed back to shore often costs more than having a car towed to a garage! Especially if you are out in the middle of the ocean! You should also ask about coverage to recover your boat and protect it from further damage after a mechanical failure or an accident. These costs do indeed add up. Again, don't make the mistake of thinking that nothing bad will happen, and don't make the mistake of thinking that you cannot afford the coverage. If you can't afford the coverage, you certainly won't be able to afford these expenses!

Most insurance policies should cover your boat, the motor, and the trailer used to transport the boat. Liability coverage isn't the only type of coverage that you need in most cases. You should make sure that you protect your boat, just as you protect your automobiles with coverage that includes theft and vandalism, as well as losses caused by storms, fire, sinking, capsizing, stranding, collision, and even explosions. Talk with your insurance agent to find out what type of insurance is required by your state and what type of coverage they offer. Also talk with your boat dealer and lender to find out what type of coverage you are required to have as well.

CopyRight Ian D. Major 2005.

About the author: Ian D. Major makes it easy to understand Boat Insurance, quickly and easily. Learn all you need to know by visiting

http://www.the-boat-insurance-directory.com

an entirely FREE source of information about Boat Insurance.

The Five Things You Must Know Before Buying Boat Insurance

Author: Ian D. Major

If you own a boat, you definitely need watercraft coverage.

Too often, people don't realize that they need coverage for their boats. Some don't even realize that boat coverage is available. Many know it is available, and they think about it - they just decide that this type of coverage isn't something that they need. In most cases, they are wrong! You do need boat insurance, and you need to know what you are looking for when you start shopping for the coverage.

Here are five things you must know before buying boat insurance.

1. Many states now require you to carry watercraft liability coverage.

This coverage will should protect you against any damage that you do to other people or other people's property with your boat. The insurance should also cover you for losses due to theft, vandalism, storms, fire, capsizing, stranding, sinking, explosion, and collision. Call your insurance agent to find out what your state requires, and what their boat insurance policies cover.

2. There is optional coverage that you should strongly consider.

Wreckage Removal coverage is one type of coverage that you should consider. In most places, removal of sunken or wrecked vessels is mandatory, and it is the responsibility of the owner to pay for this removal - which can be quite expensive. This optional coverage will cover those costs. You should also strongly consider coverage that will pay for repairs and mechanical failure, as well as coverage that will pay towing charges should you need to be towed back to shore.

3. Not all insurance companies will cover all operators of the boat that you are insuring.

It is vitally important that you ask about this. Find out who is covered when operating the boat. Some insurance companies will only cover the boat owner as the operator for the rate that was quoted. The rate may go up to cover operators other than the actual owner. Make sure that the insurance agent clearly defines who is covered to operate the boat!

4. Most insurance companies that cover watercrafts offer discounts to people who have taken boat safety courses.

However, each insurance company will only offer the discount for specific courses. Find out which course your insurance company will honor, and make sure you take and pass the course! This will save you quite a bit on your premiums - and you need the safety course anyway! Find out what other discounts you may be eligible for as well. Most insurance companies won't tell you about the discounts unless you specifically ask about them.

5. You will typically get the best rate from the insurance company that insures your automobiles and your home - but not in all cases.

When you are shopping for insurance, call your current insurance company first - but then check with other insurance companies to see what kind of rate you can get. While getting quotes online is very convenient, you should avoid actually purchasing your coverage online. Call and talk to an agent personally instead, or have them call you. Remember that insurance companies are in competition with each other, and they will work with you to get your business. Let each one know about the lowest rate that you have been quoted, and ask them if they can do better!

Before shopping for insurance, think about the investment that you have made in your boat.

Boats are not cheap! Repairing and replacing boats is not cheap either. Make sure that you get the coverage that you need to protect you against all losses involving your boat!

CopyRight Ian D. Major 2005.

About the author:

Ian D. Major makes it easy to understand Boat Insurance, quickly and easily. Learn all you need to know by visiting:

http://www.the-boat-insurance-directory.com

an entirely FR*EE source of information about Boat Insurance.

4 steps to lower your instant boat insurance quote

Author: Mansi Gupta

There are several ways to get a better rate on your boat insurance. Some of them are beyond our control, but others are a matter of personal choice. With a little patience and research, one can improve the rate to a good degree and save a good deal of money in the long run.

Basic improvements to your boat insurance rate are not all that hard to accomplish. The main thing you need is patience. All good things to those who wait as the old saying goes. If waiting is not a problem then there is no reason why you should not be able to get a decent boat insurance quote.

First you should make a good choice on boats. Just like a car, the sportier a boat is the more expensive the insurance will be. For basic purposes you should make every attempt to choose a boat that is as safe as possible. This means that extreme power, giant engines, and lightweight speed increasing designs should be avoided. A pleasure craft is going to make an insurance company far less nervous than that of a true speed demon that will cut the water and make old ladies faint in the wake. There are plenty of nice boats on the market that have all the amenities and nominal speed capabilities that will not make your agent cringe.

Boat value is another factor. If the boat that you choose has an extreme value that you need to insure then you can count on a high insurance quote. To guard against this, make an informed choice when buying a boat. Check several different sellers to make sure that you are getting the best deal possible. This will in effect make your insurance rate go down considerably as the company will have less to cover in the case of an accident or theft.

Being safe is another matter. Most insurance agencies will offer discounts to clients who will take and complete a boating safety course. This will make you a better boater and decrease the chances that you will make a fatal error or judgement call that will end up costing the insurance company lots of money. This will also work to protect you on several levels. Not only will you and the people with you be in better hands with someone who has proper training, you will also have piece of mind that you will not make a poor judgement call at a crucial moment that could cause the loss of your craft. Insurance companies are not the only ones who have something to lose.

Finally, you should contact the company that handles you car and house insurance. Most times, companies will offer deep discounts to those who use them for all of their insurance needs. This will help to protect everyone involved and it may simplify things from a billing standpoint as well. The end result will be more money saved and less complication when time for the payments to be made.

About the author: Mansi Gupta recommends that you visit ins tant boat insurance quote .

How to Buy Cheaper Auto Insurance Than Your Friends!

Author: Codrut Turcanu

What if all of your friends are the same age as you, have similar driving records and credit reports, and own vehicles like yours? Believe it or not, that doesn't necessarily mean you will have the same auto insurance premiums. Wouldn't you like to be the one who gets the same policy, but gets it cheap? All it takes is some know-how, and realizing what to look for when shopping online for your auto insurance.

Shop around--and online.

Consumer groups tell us that the primary reason people don't get cheap auto insurance is because they don't comparison shop. It is the simple truth that there are so many auto insurance companies out there, you'll never find the same insurance quote twice. That's why shopping online is the single best way to find cheap auto insurance.

Online services offer quotes from multiple insurance companies, often within minutes. You can then choose the carrier that offers you the same policy at the cheapest rate. Your neighbor may be sticking with the same auto insurance company out of habit, but his failure to shop online for a cheaper rate is his first mistake.

Get all the discounts.

When you are shopping online for a cheap auto quote, make sure and read about the discounts that are offered. Most insurance companies offer, for example, a multi-car discount. In addition, there may be a good student discount that makes the policy cheaper for youthful drivers. Don't think you or your kid will qualify? Read the fine print. Often, the good student discount isn't as hard to get as you may think.

Have you had insurance for the past six months? By providing the online service with proof of prior insurance, you may also qualify for a cheap rate with your new insurance company. What about your house--do you own it? If so, many auto insurance carriers also offer homeowner insurance, or even insurance for your boat or other property, and that discount can bring that rate down to a level cheap enough to make even your brainy brother jealous.

Check your driving record.

Many people pay the pricey amount that shows up on their bill, never realizing that an error in their driving record is the culprit. Your insurance company usually gets an electronic copy of your driver history and applies any auto accidents and tickets toward your premiums.

If you take the time to get a copy of your record and find an error, you can easily have it removed, bringing you closer to your dream of cheap auto insurance. Additionally, make sure that you have gotten credit for any safe driver courses you have taken in the past.

Ditch the spouse and kids.

No, you don't have to leave your family to get cheap insurance. But your auto insurance company may allow a split policy, which could get you a cheaper premium. If there is a ""certain someone"" on your auto policy that has a bad driving record, the rates may be higher for everyone. Additionally, if there are any youthful drivers on the policy, they may be keeping the more experienced drivers from qualifying for the best rate. In many cases, it is just a matter of moving the offending driver to their own policy, and presto, cheap insurance!

Make sure you know your options and check them all out when you're shopping online for auto insurance. Even if you've got the best car on the block, the smartest kids, and the biggest house, there's just something about buying cheap auto insurance that can make you feel superior.

About the author: Who Else Wants to Discover the Shocking Truth About Auto Insurance Online? Quick Tips, Fresh Articles & Top Resources to help you apply for Auto Insurance Online, Find a New Insurance Company, Get Insurance Cheap & Insurance Quotes: http://My-Top-Sites.com/auto_insurance_online.html

Easy Gulf Coast Grouper Fishing - Part II

Author: Scott Perry

Article: Ok, we have caught our bait and are now at or near the 100' deep area and are ready to see if any grouper are going to cooperate.

Our rig consists of a heavy snap-swivel tied directly to your main line. Make a 2-3 foot leader of 80 to 100lb mono leader and put a heavy swivel one end and a 8/0 hook on the other. Slip enough lead on the snap to keep you on the bottom, usually 12 to 20 oz depending on the wind and tide, and then slip the swivel into the snap also. Hook a baitfish up through the bottom lips out through the top, right next to the fish's nostril. Sink him down to the bottom and hold on! Sometimes it won't even hit the bottom before something nasty grabs it.

At the beginning of this article I mentioned that you want a ""fairly"" stiff rod. Well, the reason you don't really want a ""broom stick"" is it will effect the presentation of your baitfish. After you put 16 to 20 oz of lead and get to the bottom, the rod tip should be moving up and down a little bit with the contour of the bottom. This in turn makes your bait move more instead of just dragging in a straight line. I'm not saying that you should use a light weight rod by any means; just don't use the stiffest rod you can find. Many times I have used a stiff rod on one side of the boat with a more flexible one on the other. Every time the flexible will catch more fish.....Try it!

Most people who grouper fish prefer to anchor up on a spot. Well, we like to drift for them. I guess it is just your personal preference. I like covering more area by drifting and there is a better chance of finding a new hot spot if you are lucky enough to drift over one.

Well this should help you get started catching more grouper. Please practice catch and release whenever possible and remember the large fish don't taste any better than an average medium one. Take a picture and let the hog's go back to catch again later.

If you enjoyed the articles please let me know and I will write more.

Thanks for reading!

Bluewater

About the author: Scott is an avid fisherman, father, and husband. He lives in south Florida and has fished all over the country including a recent trip to Alaska. He is the owner of <a href=""http://www.saltwater-angler.com/"">saltwater-angler.com</a>

Stop by Saltwater-Angler and post some of your favorite fishing photos, and read more articles on saltwater fishing.

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What Kind Of Boat Insurance Coverage Do I Need?

Author: Mansi gupta

Deciding what kind of boat insurance coverage you need depends on many variables. To start off, the type of insurance you need depends on what kind of boat you have. Being familiar with boats you would need to look at the different variations between the various types of boats that are in the world.

For instance, a speedboat capable of high speeds requires a much different type of insurance than a small fishing vessel would because of the potential liability for the insurance company that comes with a speedboat compared to a fishing boat.

Another consideration is the value of the boat. Insurance rates covering a highly expensive craft are going to be higher because the amount that could be lost is much higher. If instead you are watering a small, low cost boat and you want coverage against damage to other boats that you may come in contact with, then the rates would be much lower,

There are many similarities between boat and car insurance. Risk assessment for an insurance company is based on many factors with car insurance just the same with boat insurance. Before an insurance company will offer any kind of coverage for a water craft they will make sure to determine all the possible ways that the coverage could cost them money. To do this they will take the age of the boat, the record of the owner and primary driver, the value of the boat and the area where the boat will he housed for at least six months out of a year.

Just like automobile insurance, there are two distinct types of boat insurance. Full coverage insurance is just like it sounds, it covers pretty much everything including loss due to theft, fire, accident, and many other types as well. There are several clauses involved in full coverage insurance that work to limit the liability that the insurance company will need to cover that these are par for the course with an insurance company. Full coverage insurance is normally mandatory when you finance a boat or a car for that matter. This is in place to protect the bank against loss should anything happen to the boat before it is paid for. Full coverage insurance is the most expensive of all insurance plans as the risk to the insurance company is the greatest with this type of policy.

When financial loss will not be great and a budget is stretched a little thin then you may want to consider liability only insurance. Under a liability only policy, the insurance company is responsible to pay for only damage to other persons or property and the owner of the boat receives nothing. This is the basic insurance required by law for cars and in some areas it is required for boats as well depending on the size and usage of the craft. This type of insurance does not protect against loss of any type and will pay only a specified amount for injured persons in the case of an accident.

You should check your local laws requiring insurance on watercraft to be sure that you are staying within the parameters.

About the author: Mansi Gupta recommends that you visit boa t insurance coverage .

HOW DOES HEALTH INSURANCE REDUCE RISK?

Author: Stive W.

Health Insurance seems like a simple exchange. You pay an insurance company a premium and insurance pays your bills. You get rid of risk and the insurance company takes your risk. However, there is more to it that this. What does the insurance company do with your risk? Do they keep it? Do they also get rid of it somehow? When you understand what the insurance company does with your risk, then you can better evaluate your options and perhaps get a better deal on health insurance.

One measure of risk is the potential for ups and downs. Having a stock that pays $100 in dividends each year and seldom changes in price is not very risky. Having a stock that goes up or down wildly from one period to another is risky. The same is true for health care costs. Paying $100 each year for eyeglasses is not risky. Having a chance of winding up in the hospital and having to pay $100,000 is risky.

""Risk Pooling"" happens when many people get together and share their losses by averaging them together. Risk pooling works because of the ""law of large numbers."" As you average together more and more numbers in a certain range, the average becomes more and more stable. Unusually high or low numbers tend to cancel each other out. For example, if you roll dice once, the result can be anywhere from 2 to 12. If you roll dice more and more, the average will get closer and closer to 7. By the time you roll the dice 1,000 times, the average will be very stable around 7.

Health Insurance companies use risk pooling to get rid of the risk they take from you. They charge you a premium based on average cost plus their administrative cost. When they pool many people, the average cost is very stable and they have little risk themselves. Risking pooling is also used in finance. When people buy a bunch of different stocks in a diversified portfolio, their average return from the portfolio is more stable and less risky than the return from a single stock.

In order for risk pooling to work, the individual risks that are pooled must be independent. ""Independent"" risks go up and down at different times, not together. When risks go up and down at different times, they tend to cancel each other out. If they go up and down together, the do not cancel out. For example, it is less risky to provide accident insurance for 100 people traveling on 100 different boats than for 100 people traveling on the same boat. Health care risks for individuals are generally independent, although contagious diseases or widespread disasters can change that. This is one reason why many life and property insurance policies exclude losses from catastrophic events such as war.

GET FREE AFFORDABLE HEALTH INSURANCE QUOTES

About the author: Health Insurance Expert

Charter boat insurance basics

Author: Mansi gupta

Maritime law broadly defines the responsibility of charterboat operator as being responsible for all damages resulting from ""negligence"". This all-encompassing definition leaves the operator exposed to the possibility of costly and endless court cases.

This why the value of selecting a charterboat insurance policy which protects your legal rights, property and that ensures damages to your boat are reimbursed, can not be underestimated.

How can you identify which components should be in your policy? First, identify all your business activities and the risks involved in operating your charterboat business. This information will help you decide the types of components, the range, and amount of coverage needed.

Hull and Machinery Clause

This refers to the coverage of the vessel, and all its' parts. Its' main purpose is to quickly get your business and boat operational after accidents. If you afford to pick a policy, which covers the following damages your charterboat, can sustain:

· Combustion, sinking or collision of your boat. · Deck machinery, boat engines, and electronics. · Coverage for an engine that breaks.

However, the following are not included in the hull and machinery component: Damage to your engine due to inappropriate use or neglect, wear due to every day use of the boat or reimbursements because your engine broke down.

Protection and Indemnity (P&I) Clauses

These clauses enable you to pay passengers and other people who could have suffered personal injuries or property damage caused by your vessel.

The basic clauses you should consider are the following:

Coverage limit

How much is your business worth? A wise agent will tell you, the best coverage limit is one that you can get. It does make sense since marine P&I policy covers you on a per incident basis, not for each person.

Shore excursion

If your insurance policy doesn't have this clause, your passengers are not insured once they get off your boat.

Crew coverage

You must pay coverage for each crewmember, or you will be liable for the uninsured crewmembers' injuries in the performance of their duties. Passenger medical payments

A good clause to have, for you're protected from irate passengers who even if they have suffered minor injuries, will file for big damages.

Personal effects

The loss of clothes, fishing equipment or cameras might seem a minor inconvenience, but not to the passenger who suffered the loss. This clause ensures that you are properly covered and your passenger's leave happy.

However, talk to your agent so that you know what items are covered in the personal effects clause and if these are appropriate to include.

Remember, the right charterboat insurance policy for you is one that insures both your boat and charterboat business.

About the author: Mansi Gupta recommends that you visit cha rter boat insurance .

Yacht insurance basics

Author: Mansi gupta

Anyone who can afford a yacht knows that it is a major undertaking. Caring for a yacht is hundred times harder than taking care of a ten-foot johnboat used to tool around a lake searching for bluegills.

A yacht is nothing short of a house on water. With all the comforts of home and then some, it is a marvel of engineering and expense to boot. Affordability is not really an issue when it comes to yacht ownership, but protecting one's investment is. When you have spent more on a boat than other people spend on a home and car combined, then you have every right to make sure that the money you spent will not be in vain. Insurance is the only option in this case and you should choose the policy wisely when dealing with large sums of money like the cost of a yacht.

First off you will need to determine the coverage for the entire yacht. This amount will represent the amount that you would need to get back should the vessel become a total loss. There are several ways in which any type of boat can be lost, the least of which being theft and the worst being explosion. An explosion is a more real threat then you realize when you consider the amount of fuel being carried below decks of a large yacht. A misplaced collision with another boat can cause an explosion that will most likely destroy the entire craft. This type of coverage is the normal amount required by a financial agency that has fronted the money for the yacht. This is to protect them from loss.

Next you should figure the equipment on board the boat that should be covered. This can consist of the motors, navigational equipment, riggings, anchors, and radios. These items are essential to the yacht's operation and should be protected against loss or damage. This type of coverage can also include any personal items on board that need to be protected. This is similar to homeowners insurance in that respect as those policies generally cover household contents to a certain degree.

If the boat is stored in a region that is prone to violent weather conditions like hurricanes, then a provision in an insurance policy for this type of loss should also be considered. The loss from weather related occurrences is tremendous and most standard insurance policies do not offer coverage in this area. It may cost a considerable amount more to be covered against weather related damage but it will be worth it should the need arise.

Lastly you should consider damage to other crafts caused by your yacht. Even the most experienced seaman can make a mistake or an error in judgement and this can cause damage to boats in or around the area. Protecting yourself with insurance coverage against such incidents can mean the difference between terrible financial devastation and no more the matter of filing some paperwork with your insurance company.

About the author: Mansi Gupta recommends that you visit yacht insurance .

Recreation Vehicle insurance, the basics.

Author: Simon Goodman

What is a recreation vehicle? Do I need to insure it?

The first questions to answer would be, what is a recreation vehicle and why would you choose to insure it.

A recreation vehicle is one that you would normally use to fun/relaxation. For example if you normally use your car to commute but on week-end drive a motorcycle then the motorcycle is considered to be a recreation vehicle. But on the other hand you use your motorcycle to go to work on hot days then the bike is no longer considered to be a recreation vehicle.

Some of the more common recreation vehicles are:

* Motorcycles

* Boats

* Snowmobiles

* Moto-cross bikes/trail bikes/Quad bikes

* ATV's (All Terrain Vehicles) sometimes used for trail rides or hunting

* Travel Trailers

* Motorhomes

* Caravans

* Personal Watercraft (jet-skis, Inflatable and so on)

Do you need to get a recreation vehicle insurance?

In almost every case the answer is yes, the most common reason is because most good insurance company will not charge you a premium for using a vehicle from time to time. You are usually not penalised for having a recreation vehicle. In most cases a recreation vehicles is well looked after, and because, by definition, it is only used once in a while, most insurance company will offer some very low quotes.

But the other important reason is because most recreation vehicles are not used as often so the likelihood of something happening increases.

You must accept that you are not as familiar with that vehicle as you are with your everyday one. So the likelihood off an accident increases.

You should always check with your insurance company that your insurance is up to date; it is often easy to assume that a vehicle is covered for, say, 12 months when in fact it is only covered for 6 months.

You must also ensure that you are carefully following the policy, if your recreational vehicle is an RV, (Motor home or Caravan), does your license allow you to drive it?

Is the vehicle itself 'legal', (can it legally be used for the purpose you are insuring it for?)

Remember that is almost all cases, breaking the local laws will null and void the insurance policy.

Find out more about Recreation vehicle insurance

About the author: Insurance Owl gives simple, clear information about insurance. Everything, ranging from health insurance to indemnity claims, including Auto, Travel and life insurance.

House boat insurance basics

Author: Mansi Gupta

Purchasing a houseboat is guaranteed to give you years of unlimited pleasure. Provided, however that you've insured your houseboat properly. Otherwise, you could lose your life's savings and in the worse case scenario, and be forced to file for bankruptcy.

In the marine insurance industry, houseboats are categorized together with jet boats, ski boats, sailboats, cabin cruisers and party boats as a pleasure boat. For this reason, this kind of coverage is not generally handled by regular insurance companies. You should carefully shop for underwriters who specifically handle these policies.

The first houseboat insurance tenet you must follow is to find a reliable insurer who'll service your needs. Conduct the search both ways.

· Word of mouth Ask boating friends for insurance recommendations.

· Conduct research on the recommended insurance carriers, the company in-charge of providing you coverage.

The following facts (as provided by the Insurance Information Institute) about your houseboat, such as horsepower, size and age of your boat, the type of craft and where it is used (i.e. moored in a river or hurricane prone area), determines coverage and premium you will pay for your houseboat.

Once that's done, you can now carefully consider which of these policy clauses can help maximize your coverage and accurately answer your particular needs.

Hull and Machinery Clause

Because your houseboat is placed in the same pleasure boat category as a cabin cruiser, certain rates, coverage, restrictions, and terms will be similar.

Still, there are differences. The function of a houseboat is different from a cabin cruiser. The construction of a houseboat reflects this. They are normally flat-bottomed and designed to navigate slowly through the waters.

Many houseboats are bulkier, since they come equipped with bigger sleeping & living areas, full galley, and enclosed head. A race boat or cabin cruiser is smaller, more seaworthy, and easy to maneuver and built for speed.

Liability and Medical Payments to Others

Pays for bodily injury or property damage you are liable for.

Physical Damage Coverage

Pays for the damage your boat, motor, and trailer sustain.

Uninsured Watercraft Coverage

Pays for personal injury damages you are entitled to recover from the owner or operator who have not insured their vessel.

Medical Payments For The Insured

Covers you and your family's medical fees, if you sustain accidental boating injuries.

Towing and Assistance

This coverage pays for the expenses you incur when you request a towing service to deliver the fuels and replacements parts, or fix your engine.

Additional Living Expense

you're reimbursed for expenses incurred by living in a hotel, because your boat had to be repaired.

Be a responsible houseboat owner. Customize your houseboat insurance to safeguard your personal well-being, finances, and protect your investment.

About the author: Mansi Gupta recommends that you visit hou se boat insurance .

How can I get a lower boat insurance rate?

Author: Mansi Gupta

Many people believe that it is best to stick with one insurance company for all of your insurance needs. This can be true in certain instances but not always, which can be especially true for boat insurance.

To get the best rates you will need to do some research and maybe a few other things as well. Knowing the most about insurance and what factors are used to determine an insurance rate is the best way to get the lowest rates possible. There are predatory insurance agents in this world that thrive on ignorance to get people to accept policies that are too inclusive for their needs thereby increasing their commission. This is not an accepted practice by insurance companies but it does happen. Only through education will you be truly protected from such happenings.

First off you should think about taking a boater safety course. Insurance companies will offer discounts to those who complete these courses. This works to protect you and the insurance company. The insurance company knows that people who complete such courses become safer operators of boats thereby decreasing the risk of accident due to the operator's error and causing loss for the insurance company. Even if they did not offer a discount a boating safety course is still a good idea especially for the new and inexperienced boater. You never know when something might occur that may require quick thinking.

Secondly you should contact your current insurance company that covers your home and car. Most times these companies will offer deep discounts when insuring other items such as boats. Call or go online and get a quote but do not accept any policy just yet. There is still much to do.

Use the quote you received from your normal insurance company as the base rate then start calling other companies. Tell them up front exactly what your needs are and get the rock bottom quote from them. Continue to do this until you have exhausted all possibilities. Then sit down and compare all of the quotes. It is not necessarily true that the lowest quote will be the best. Some companies offer extremely low rates but coupled with low coverage amounts and services. This may cost you in the long run especially if you need to file a claim and find out that the problem is not covered.

Do not be afraid to ask for a quote that covers all of your insurance needs and not just your boat. You may find that you will save lots and lots of money if you offer to bring all of your business to the company instead of just one thing.

If you are pressed for time you can always go through a multiple covering insurance agency. They will be able to get quotes from several different companies a lot faster than you can. Be sure that the agent is someone that you know you can trust. If not there is the possibility that you will not get the information that you need and only the highest quotes will be given to you in hopes of boosting a commission.

About the author: Mansi Gupta recommends that you visit boa t insurance rate .

What Is The Best Boat Insurance Company?

Author: Mansi gupta

There is no right answer when someone asks which boat insurance company is the best. There are so many choices available that it is hard to determine the very best. It really all depends on what the specific needs of the person wanting to insure the boat are.

Facing the facts, there are pros and cons about every insurance company that you will deal with. After all, insurance companies are in business to make money, not to pay it out. This means that they will do anything in their power to not have to pay for claims, as this is the way they make money. If they do happen to pay for a claim then they will raise the rates on your insurance to help cover the loss or they will simply cancel the policy, whichever best suits their needs. For an insurance company to cancel a policy they have most likely determined that the policy is too much of a risk to continue to prevent any further claims. Having a policy cancelled can make it difficult to get insurance elsewhere.

BoatU.S. has been insuring boats, and only boats, since they opened in the late 1960's. They are said to offer some of the lowest rates and best coverage depending on the craft covered. Their web site offers free instant quotes.

National Marine Underwriters is another strictly boat insurance company. They offer insurance in the 48 contiguous states with some limited territory extensions from time to time. In business since 1983, they offer lower rates and comprehensive coverage for all risk factors.

Progressive Boat, a division of Progressive Auto is one of the cheaper boat insurance companies but they are said to not offer nearly as many services and less comprehensive coverage. They do offer free online instant quotes and their staff is said to be one of the most knowledgeable and friendly groups in the business.

American Boating Association is also an option in the boat insurance world. They offer competitive rates that are comparable to Progressive Boat but they are a little shy in the services area. Free instant online quotes are available. Quotes are also available by telephone but it you should expect a long wait on the line. Their staff is professional and friendly.

To determine the best boat insurance for you then go to a site that offers multiple quotes from several different insurance companies. This will provide you with the best basic information about several companies at the same time which will save you time versus calling all the individual insurance companies.

Many sites offer guaranteed rates if you accept one of the quotes they provide but this is not a widely accepted practice. Keep in mind that insurance companies are not necessarily bound to a quote they provide. Insurance companies will want to verify all information provided to them before making a policy available for purchase. This is required to protect against insurance fraud, which is quite commonplace in this world sadly enough.

About the author: Mansi Gupta recommends that you visit bes t boat insurance company .

Sail boat insurance basics

Author: Mansi gupta

When it comes to insuring things those we own against loss or damage we tend to want the very best. After all, we worked hard to get what we have and we all want to make sure that we keep it and if loss or damage does occur then we want a way to replace it. Sailboats are no exception to this rule. As one of the more expensive toys we can own, Sailboats need to be insured just like we would our cars and our homes.

The major difference between boat insurance and car insurance is the amount of coverage a policy provides. This variation is simplistic in nature but can be very difficult if one does not know the very basis of the issue. The basis of sailboat insurance is the different things that can be covered by the different policies and individual companies. Of course all of this varies by the type of boat and the company and location of the boat but that is for another time.

The first thing to remember is the coverage that applies to your sailboat should always apply to the persons on the boat as well. This is called medical coverage and it works to protect you and anyone on the boat in case of an accident or sinking. The insurance company so that yourself and people with you will have their medical expenses pays this for if an accident occurs. The amount of medical coverage does have a maximum and once that amount is met then the insurance company is no longer liable for further expenses incurred. Most often the amount of coverage is more than enough to cover the medical bills, but there are some extreme cases where it far exceeds the insurance company payments.

Next you should look to cover the equipment on the sailboat itself. Car insurance does not have this feature but under sail boat insurance you can choose equipment that will be covered in case of loss or damage. For a sailboat this is most often the sails, anchors, riggings and on board electronics used for navigation. The reasoning behind this type of coverage is the fact that all of these things are necessary for the boat to be properly operated. So, in order to keep your boat in working order than you will need to make sure that those items are covered against loss. Theft from boats is a crime that grows every year so be sure to protect yourself from thieves.

Finally you should consider the liability to the people around you when choosing an insurance policy for your sailboat. If an accident occurs and it is determined to be your fault then you are liable for damages to the other person's craft and their medical expenses if any. Liability insurance offers coverage for those situations to keep you from having huge expenses.

About the author: Mansi Gupta recommends that you visit sai l boat insurance .

Auto Insurance Explained in Simple Terms

Author: Brooke Bailey

Auto insurance, is insurance that you purchase for your cars, trucks, motorcycles and boats etc. It provides you with protection from losses that may incur as a result of a car accident. While this may sound simple enough to understand there are many types of auto insurance policies available to you and it can be rather confusing. Your coverage level and types will vary depending on the policy that you choose. In general, these are the most common types of auto insurance programs available to you:

The Different Auto Insurance Coverage Available

Collision Coverage: insures your vehicle against repairs if the vehicle is in an accident or the cost of purchasing a new vehicle if yours is damaged beyond repair.

Comprehensive Coverage: insures your vehicles against the cost of purchasing a new vehicle should yours be stolen or destroyed in a fire.

The Different Auto Insurance Coverage Protection

Personal Injury Protection (PIP) - insures against medical expenses and lost wages related to ownership or maintenance of a vehicle. This insurance is mandatory in most states, but not all so be sure to research your state requirements prior.

Medical Payments (MP) - insures against medical expenses for bodily injury sustained in an accident that is beyond any of the expenses that are covered by personal injury protection (PIP).

Legal liability claims against the owner or driver of the vehicle causing damage or injury to a third party involved in an accident. Liability Insurance only covers legal liability.

Comprehensive Insurance covers PIP, MP and legal Liability. In the U.S. liability insurance covers claims against the policyholder and also that of any other operator of the insured's vehicle. If any other operators reside at the same address, they must be additionally covered on the auto insurance policy.

Comprehensive Insurance covers most details of damage which can affect the car, the driver, there is risk associated with buying a new car that is not covered even by comprehensive insurance. Basically, once the car is bought, there is a decline in the cars total value. During this period the remaining car payments exceed the value of the vehicle, thus making the compensation the insurer will pay for a totaled (destroyed) vehicle. To help with this scenario the insurer can purchase GAP insurance. GAP insurance will cover these costs. GAP insurance was established to provide protection to consumers based on the buying and market trends.

As you can see there are many different auto insurance considerations when picking a new insurance policy. Be sure you understand them all in detail and that you have the best coverage for you, your car and your family should you need it if you get into an accident. Also keep in mind that these are general guidelines and the laws may vary within your state so ask questions!

About the author: Brooke, the owner of Get Car Insurance Now specializes in Auto Insurance and Car Insurance Quotes to help you save money and keep you, your car and your family safe on the road. Visit us today!

Motor Boat Insurance Basics

Author: Mansi Gupta

Sailing off into the blue yonder, has the salutary effect of blowing cares and stresses away with the winds. However, before you sail away in your new boat, consider the merits of these questions. Do you have boat insurance? Moreover, are your insurance needs fully met?

Marine insurance defines vessels according certain measurements. A boat is defined as one measured between 16 feet and 25 feet, 11 inches in length. If that's the length and width of your seaworthy vessel, then you have a boat.

Here are the pertinent components your boat insurance policy should have:

Physical Damage Coverage

The insurer pays you for the repair or replacement of your boat, under the following circumstances: Theft, vandalism, lightning, fire, tornadoes, or hurricanes. Included in this coverage is the boat itself, outboard motors, engines, and your boat trailer.

Excluded from the coverage are the following items, which are not, considered a part of your boat's operations: camera or video equipment, clothing, fashion accessories, or jewelries, food or beverages, cell phones, stereo equipment, portable television, personal computers or scuba gear. Alternatively, you can ask for separate coverage for these items.

Tip. Read the fine print and so that you know what restrictions could apply to your coverage. Can your boat be stored at your place of residence? Alternatively, should the boat be at your vacation spot? Where does the coverage begin? Some policies specifically limit the uses of your boat and list the exceptions.

Liability Coverage

You'll find this coverage quite useful. You may also wish you'd paid a bigger premium, when there's an accident and your boat is liable for damaging another boat, property, or injury.

Uninsured Boat Coverage

This is the marine insurance equivalent of the road vehicle's uninsured motorist coverage. In this case, your boat's repairs are covered, in the event the owner of the property your boat collided with has expired insurance or worse, doesn't have it.

Passenger Medical Coverage

This coverage pays for the medical expenses incurred by people on your boat. This is a must-have clause and the limit can be inexpensive, from $450.00 to $10,000.00, is quite common.

Towing & Assistance Coverage

With this coverage, you'll get reimbursement for the costs you've incurred for availing of emergency services. Examples of these, your vessel breaks down, and a commercial outfit tows your vessel to the port, you've paid for delivery to replace your fuel, oil, or engine parts, or for someone to repair your engine.

The bottom line to all this? Be pro-active and arm yourself with knowledge, which among the different policies possible, your boat insurance should have.

Then, you'll sail confidently into the sun, because your insurance policy will cover you where it's most necessary.

About the author: Mansi Gupta recommends that you visit mot or boat insurance .

Exploring the Different Types of Boat Insurance

Author: Ethan K. Roberts

When searching for boat insurance, you may be overwhelmed when you find that there are many different types of boat insurance policies available. In general, insurance companies only offer one general watercraft liability coverage policy; some others may offer additional coverage that you are able to purchase. If you have financed your dreamboat, the lender probably requires you to obtain specific coverage. There are many different types of coverage available that you can add, as an addition to your standard policy.

The standard policy, the watercraft liability insurance coverage, is required by law in most states. This insurance policy provides coverage in the event that damage occurs to a person or property as a result of actions taken on your boat. This is true whether or not it is during transportation or actually on the water. This is a law requirement in having this type of liability coverage, and each area will have its own requirements as to how much you will need. It is wise to consult with an insurance agent to find out what is necessary to meet the requirement of the law.

It is possible that medical payment coverage may be required in your area. This type of coverage pays for the medical expenses, up to a specified amount, for you and any passenger on your boat that result in an accident covered by the policy. As a suggestion, regardless of whether this insurance is required or not, it would be wise to consider it. Medical expenses as a result of an accident can become extremely high.

Another additional type of coverage to the standard liability coverage is the wreck removal and pollution coverage. This should also be strongly considered. If your boat sinks or is involved in an accident for any reason, you are required to remove it at once in accordance with the law. If oil or gas leaks into the water as a result of an accident, you will be fined. The wreck removal and pollution coverage provides coverage for this type of incident, without the coverage you will be required to pay for the removal and fines out of your own pocket.

Just like in automobile coverage, you should definitely insure yourself against uninsured boats as well. This works in the same manner as uninsured motorist insurance your automobiles. If another boater, who does not have any type of insurance or enough coverage, collides with your boat on the water, this coverage will pay for the replacement of your boat and any needed repairs.

Most all insurance policies you purchase should cover the boat, motor, and trailer used to transport your boat. Liability coverage is not the only type of coverage that you will likely need in many cases. Make sure that you protect your boat, optional coverage that includes theft, vandalism, losses caused by storms, fire, sinking, capsizing, stranding, and collision. Speak to your insurance agent and find out what type of insurance is required by your area and the types of coverage they can offer you.

About the author: Ethan K. Roberts write on a range of different topcis including

houseboats . Please visit best boat insurance and boating articles . Note to publishers: Please keep links intact when re-publishing, thanks.

New Bass Fishing DVD Bass Attacks

Author: Chris Bowser

Article: Bass Attacks brings you to the table as the fast and furious largemouth bass dines for the camera!

Order the most revealing underwater DVD ever produced featuring largemouth Bass. A spectacular video guaranteed to increase your success on the water, and change forever how you fish for trophy largemouth Bass. Bass Attacks takes you on a remarkable journey into the underwater world of largemouth Bass. Your entire family will be spellbound observing never-before-seen behavior of largemouth Bass. This video covers nesting, feeding, schooling, location, and aggressive feeding habits of the largemouth Bass. With this digital-quality DVD there is much to learn and lots of Bass fishing tips. If you've always wanted to see underwater video footage of how largemouth Bass feed underwater, what they prefer and what fish prefer and ignore about your fishing technique and presentations, make it a point to purchase this video, its not like any other videos out there. Bass Attacks shows how largemouth Bass actually feed, where fish move to when they are not feeding and more. It will show examples of largemouth bass holding in various portions of the lake. Anglers and non-anglers will be amazed at watching how a largemouth bass can inhale a large bluegill. This video address and answers many of the questions and problems anglers and fisherman have asked about bass fishing. Get a fish-eye view on bass fishing for big bass.

Bass, Big Bass and more Bass...

Bass Attacks http://www.bassattacksdvd.com

About the author: None

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Fishing Tips - Fishing Rod Casting Tips

Author: Will M

Article: Fishing Rod Casting

The action of a fishing rod is the behavior of the rod while being cast by an individual. The action of the rod may be the same for all the people who cast with it and it may be different for every person who casts with it. Very few casters cast exactly alike. Their hand, arm, muscular and nervous systems are never exactly alike and they consequently perform a cast with a rod differently than any other hand and arm, etc. The action of most rods will react substantially the same for all casters, however. When a rod does not react the same for one caster as another, the action of the rod for each caster is different. That is, a rod may be called a stiff action by one caster and a medium stiff action by another, and both are correct. The action of a rod, then, depends directly on the particular caster using it and may vary from caster to caster.

We will discuss rod action as it applies to fly rods, only. The rod actions are only discussed in general terms.</p>

Wet Fly Fishing Rod Casting</p>

WEJT FLY ACTION: Years ago, a ""wet fly action"" fly rod was considered to be a rod that was very limber and which bent freely from the grip to the tip. The theory of such limber, soft rods was that they allowed the flies to fall gently into the water and the line to fall straight into the water. Either claim has questionable advantages under many conditions. Gradually, as the years have gone by, fishermen began to find out that these old ""buggy whip wet fly rods"" were actually poor rods for casting the wet fly and that rods suitable for dry fly casting generally cast wet flies much more satisfactorily. Actually, wet fly rods are non-existent today except when a maker turns out a poor dry fly rod and sells it to some novice as a ""wet fly rod.""</p>

Dry Fly Fishing Rod Casting</p>

DRY FLY ACTION: There are many ways to build a dry fly rod or dry fly action into a rod. Most of these methods produce good dry fly rods. I will briefly describe some of the better known methods of producing dry fly action in a rod.</p>

HEWITT DRY FLY ACTION: Edward H. Hewitt, as you undoubtedly know, was considered the best fly fisherman for trout in the world. There are those who are prone to minimize Hewitt's abilities for personal reasons or self glory. However, I have never known or heard of anyone from reliable sources who could beat Hewitt for actually putting trout in a creel. Hewitt used a rod with action or the bending in the lower or middle part but not as pronounced as in the standard Dry Fly action. On a three piece rod, for example, the upper half of the middle section and the lower half of the tip have ""level tapers"", that is, the tapers are slight. This leaves these areas a little stiff. Such a rod has action all over but slightly more of the bending is in the butt section, the lower half of the middle section, and the top half of the tip.</p>

Hewitt action is identical to the Standard Dry Fly action described below, except that the variations in the ""level tapered"" areas are less from a straight taper than the Standard Dry Fly action ""level tapers.""

In one of the last letters from Hewitt, he wrote me that he much preferred this type of rod to all others and that he never was able to wear one out or soften up the action of such a rod no matter how long he use it. This means something coming from Hewitt. He not only had used rods of various types for a great many years but used them a great deal ever year. As always, Hewitt had Leonard make his rods and he always had the highest praised for them.</p>

To continue reading this article go now to <a href=""http://www.fishingcenterguides.com/Fishing-Guides-Fishing-R od-Casting-Tips.html"">fishing rod casting tips</a>

Learn more about fishing. Read our article on <a href=""http://www.fishingcenterguides.com/Fly-Line-Color.html"">fly fishing fly line color</a> to get useful information on the different type of fly lines available

About the author: Find out the best way to cast your fishing rod. Learn the different types of fishing rod casting

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Fishing - Which Lures For Which Fish

Author: Jay Bauder

Article: What Lures, What Fish?

Spoons

Considered the most simple of all other lures, they got their name because they look like the head of a spoon. They act for the bait fish by doing a flickering and wobbling movement or action. Spoons are excellent for starters in lure fishing; easy to use and very affordable.

Spinners

The spinner is basically a blade wherein it does a rotating action on a spindle when being retrieved or taken back through the water as well as it gives off a flash as light is being reflected on the revolving blade, characterizing the bait fish's scales and movements. This is a lure that is flexible because only can one verify and know the retrieve depth by the period or time frame one leaves before one starts a retrieve, one can also alter the speed of the revolving blade around the spindle, by either speeding up or slowing down one's retrieve. For the Trout and Mullet, a smaller size is recommended, and a larger spinner with the pike liking, along with the treble hook in a red wool.

Surface lures

These lures are used on the water surface and considered to be the most explosively thrilling of all lures as one could actually see the fish taking the lure, and the anticipation and the expectation of one looking forward of the take is an exciting experience. The fish can be completely seen exiting the water when they send off at a surface lure. Since these lures are being retrieved on the surface of the water, they can be a good choice in areas that have a lot of weed.

Suspending plugs

Having neutral buoyancy and resistance, when the plug has dived or dropped to the required depth and left alone, it will continue on being suspended to that depth. For this reason, this type is perfect for pursuing your prey hidden near the weed beds, rocks or banks. When yanked in order to imitate life to the plug, it causes some crashing attack from your target.

Floating drivers

A necessity for all lure anglers, they cover a wide scope in diving depths; beginning from just beneath the surface up to fifteen feet or more. The diving depth is established on the point of view of the vane or fin to the body of the lure. The lesser the angle to the body of the lure the deeper it can dive. The shape as well as the size of the vane and the lures body contributes to the movement of the plug in the water.

Sinking plugs

These are excellent for deep water fishing, wherein the retrieve can start soon as the preferred depth is reached. This is accomplished by counting down before one starts the retrieval process. Therefore, the same depth will be reached whenever one casts. The distance that the lure has sunk down in a particular time, will give a suggestion of how deep or how far down the fish are situated when they strike; thus this is called the sink rate of the lure.

Soft baits

This is soft rubber bait that comes in various shapes and forms, with matching sizes and colors. These are commonly used for sea and fresh water fishing, which can be used on a weighted jig head handled in the same manner as the jerk bait, being managed as a plug is used.

Jerk baits

Having no movement of its own when in the water, the angler gives life to this lure; whenever the rod trembles or shakes or jerks, this lure can appear to have life. This lure for the most part, mimics an injured or wounded fish that the prey fish find tempting, and be compelled to thrust or lunge at.

About the author:

Jay is the web owner of http://www.fishing-in.net <a href=""http://www.fishing-in.net"">Fishing Lures</a>, a website that provides information and resources about fishing, tackle, lures, and fishing trips. You can visit his website at: http://www.fishing-in.net/Florida <a href=""http://www.fishing-in.net/Florida/"">Florida Fishing</a>

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See The Bottom Of The Lake in 3D And Improve Your Chances Of A Great Day's Fishing

Author: Niall Pesci

Article: One of the best ways to have a successful fishing trip is to use great technology to help you. That is what the Humminbird 947 has to offer. There are many reasons to have this great fishing gear and you will simply be in awe of how well it enables you to fish. It has some very cool features that will give you the best of the best in high quality imaginable. Here are some things to consider.

What makes this Humminbird ideal is its 3D imaging. Yes, it gives you a solid 3D image to give you a good idea of where you are and what's going on below you. You'll get dual frequency 83/455kHz sonar with high definition 3D imaging of the bottom. Why do you need this? It is important to get the best view that you can get and 3D sonar can give you a very clear picture as to what is happening. This makes your job easier. You get to see where the fish are hiding, search them out and not waste your time where there are no fish to be caught. It is a relatively easy finder to use which is nice because you don't get caught up trying to figure the thing out. Instead, you get to use it right away, and get to benefit from it.

Let's break this down some. By purchasing the Humminbird 947, the fisherman in all of us is enhanced. You can use the fishfinder to locate schools of fish, that lone big one, and even a sunken ship if you are lucky. Why purchase it? It is simple to see the advantages of all of these features, but when it comes right down to it, you get the highest level of ability to finding the elusive fish you are after. You save yourself time by skipping the waiting step in locating the fish. Instead, the Humminbird 947 gives you a clear picture, in three dimensions so that you can go after the fish where it is.

About the author: Visit Fish Finder Review for more information and great deals about the <a href=""http://www.fish-finder-review.com/humminbird-fish-finder.sh tml"">Humminbird 947c</a> and other Humminbird GPS and Sonar fish finders and marine navigation systems. http://www.fish-finder-review.com Copyright Fish-Finder-Review.com. All rights reserved. This article may be reprinted in full so long as the resource box and the live links are included intact.

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Tips on Buying Fishing Boats

Author: Nicky Pilkington

Article: Selecting and acquiring the ideal fishing boat is a real art for someone who has already gone through many experiences as far as boating is concerned. However, it can be a daunting task to those who have not yet experienced buying a fishing boat.

To make the activity easier for the first timers, here is a list of tips that they can use when choosing an ideal fishing boat.

1. It is important to consider the purpose of the fishing boat.

Buying a fishing boat has only one purpose: to be used in fishing. However, before choosing the perfect fishing boat, it is important to consider also the other purposes.

First, the place where the fishing boat will be used should be taken into account. Will it be in the ocean or in other bodies of water like lakes?

Second, the time of the day it will be used. Will it be for day trips or for overnight fishing activities?

If the fishing boat will be used for ocean cruising and overnight stays, it would be better to buy a fishing boat that has a hull. This is specifically designed for rough waters. This design is meant to ride with the waves, hence, providing more comfort to anglers while on board.

2. The budget

When buying a fishing boat, it is important to know if the buyer can afford to acquire a boat. Fishing boats, or any boat for that matter, can be very expensive. Hence, the buyer should know how far his budget would go as far as fishing boat prices are concerned.

3. The warranties

It is extremely important to know if the fishing boat has a warranty. It should be analyzed and meticulously scrutinized because not all warranties are created equal.

Hence, it is best to buy a fishing boat from dealers that will provide the necessary services in case their product is found to be defective.

4. The certification

When buying a fishing boat, it is important to take note if it is certified by the ""National Marine Manufacturers Association"" or the NMMA. This agency guarantees that the certification they give to every boat manufacturer is a guarantee that the fishing boat had passed the agency's standard of excellence.

The bottom line is that, people should do more than just look around when choosing the ideal fishing boat. They should learn how to look for the important details in order to ensure that the boat they have acquired is definitely worth their money.

About the author: Find out more about <a href=http://aboutfishing.org>fishing</a> including <a href=http://aboutfishing.org>sea fishing</a> and <a href=http://aboutfishing.org>fly fishing</a> at <a href=http://aboutfishing.org>About fishing</a>

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Fly Fishing for Carp

Author: Cameron Larsen

Article:

The world of fly fishing is a changing one. It sees new <A HREF=""http://www.bigyflyco.com/"">fishing flies</A>, new gadgets, improved rods and reels, and techniques. These techniques are more and more often being applied to different species of fish. As fly fishing has almost nothing to do with actually eating fish anymore, fly anglers are more open to honing their skills against species of fish they will never eat. One of these species is carp. Yes carp. Long considered a trash fish, the evolution of the sportsman has seen re-classification of fish species. As more and more pressure erodes some of our cherished fisheries, fly anglers have turned to carp and other species as a chance to practice our passion while easing the pressures of traditional fly angling eco-systems.</P>

Carp fly fishing has taken on a cult appeal, and that cult is growing. Like bass, carp are plentiful, like bass carp can be found in ponds just a hair larger than a mud hole, while bass have long been a venerable game fish, carp have not. Carp were never considered pretty, although passionate carp anglers around the Great Lakes consider them beautiful, so as with most things beauty is in the eye of the beholder. I don't think they probably taste particularly good. But they do fight, and they do grow huge. And they love the warm water, but are also found in cold water.</P>

Carp are survivors, they tend to stalk the shorelines and flats of lakes, where they have little competition, for sight-fishing there is none better. Similar to fishing for bonefish in technique, the most likely success will come from sight fishing. However, here lies the rub, carp are very skittish and alert, and will run or cease feeding at the slightest disturbance. I prefer to cast to carp to the left or right of me, I do not like to position myself directly in front. An accurate soft cast one to two feet in front of your intended target is your best bet. Two to three casts is probably all you get, for they will notice you and move on. Allowing your fly to fall to the bottom, works well, and then giving your fly a soft tug. Carp key in on puffs of silt, as that indicates food. The angler must keep their leader tight here, as the carp's 'strike' can be maddeningly light. </P>

As for gear, think big. Carp are not to be pursued with your 3 wt. Think salmon gear if you have it, 9 or 10 weight rods, but depending on the average size of the carp in your area, you might get away with 7 or 8 weight. With lots of backing on the reel. Tippet should be at least 3x, and more comfortably 2x or even 1x. </P>

As for flies, well the nice thing about carp is they are not overly selective, but your best bets are always with actual food imitations that the fish eat. For carp, crayfish, damsel and dragonfly nymphs, worms are all good bets. Scuds and hare's ears are likely prospects as well. And by all means do not forget that lake standby the leech, a sunken leech tugged neatly off the bottom, is a morsel only the wariest of carp will ignore. </P>

After the strike the real fun is beginning, carp fight like nothing else. They are fast, smart, and tireless. An angler netting a carp knows it has met a match that is not likely to be experienced again soon. They will strip you down to your backing faster than any other fish out there. And not back down easily. </P>

About the author: Cameron Larsen is a retired commericial fly tier and fly fishing guide. He now operates The Big Y Fly Company. http://www.bigyflyco.com/flyfishinghome.html He can be reached at info@bigyflyco.com. This article will appear in the Big Y Fly Fishing E-Zine at Http://www.bigyflyco.com/Bigyflyfishingezine.html

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