0_Wizard
Do you have any type of insurance? i have car insurance but it is pretty expensive 
Insurance is a means of protection from financial loss.
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Insurance
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Vehicle insurance
Vehicle insurance (also known as car insurance, motor insurance or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise there from. Vehicle insurance may additionally offer financial protection against as theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.
GEICO advertising campaigns
GEICO advertising campaigns are known for using surreal humor and satire, often featuring distinctive characters such as the company's mascot, the GEICO gecko. The advertising strategy incorporates a saturation-level amount of print (primarily mail circulars) and television parody advertisements, as well as radio advertisements. A common line used by GEICO is "15 minutes could save you 15% or more on car insurance." Investor Warren Buffett, chairman and CEO of GEICO parent Berkshire Hathaway, has stated that he would spend $2 billion on GEICO ads if he could, approximately double the spending in 2012, which was $1.1 billion, over twice that of second place Progressive Corporation, with 6.8% of premiums going into commercials.
Vehicle insurance in the United States
Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another.
Usage-based insurance
Usage-based insurance (UBI) also known as pay as you drive (PAYD) and pay how you drive (PHYD) and mile-based auto insurance is a type of vehicle insurance whereby the costs are dependent upon type of vehicle used, measured against time, distance, behavior and place. This differs from traditional insurance, which attempts to differentiate and reward "safe" drivers, giving them lower premiums and/or a no-claims bonus. However, conventional differentiation is a reflection of history rather than present patterns of behaviour. This means that it may take a long time before safer (or more reckless) patterns of driving and changes in lifestyle feed through into premiums.
Insurance fraud
Insurance fraud is any act committed with the intent to obtain a fraudulent outcome from an insurance process. This may occur when a claimant attempts to obtain some benefit or advantage to which they are not otherwise entitled, or when an insurer knowingly denies some benefit that is due. According to the United States Federal Bureau of Investigation the most common schemes include: Premium Diversion, Fee Churning, Asset Diversion, and Workers Compensation Fraud. The perpetrators in these schemes can be both insurance company employees and claimants. False insurance claims are insurance claims filed with the intent to defraud an insurance provider.
Progressive Corporation
The Progressive Corporation is one of the largest providers of car insurance in the United States. The company also insures motorcycles, boats, RVs and commercial vehicles, and provides home insurance through select companies. Progressive has expanded internationally as well, offering car insurance in Australia. The company was co-founded in 1937 by Jack Green and Joseph M. Lewis, and is headquartered in Mayfield Village, Ohio. Progressive was founded in 1937 by Joseph Lewis and Jack Green as Progressive Insurance Company. Starting in 1956, the company found its niche insuring more risky drivers.
Infinity Property &amp; Casualty Corporation
Infinity Property & Casualty Corporation, headquartered in Birmingham, Alabama, is a national provider of car insurance. Infinity Insurance, a top-performing Infinity brand, provides nonstandard car insurance through more than 12,500 independent agents. Nonstandard insurance serves individuals unable to secure coverage through standard insurance companies. This can be due to a driving record with accidents and/or tickets, prior DUI, the driver's age, vehicle type, or others. The company was formed in December 2002 when American Financial Group transferred its outstanding common stock for Infinity Insurance Companies, Leader Insurance, Windsor Auto, Atlanta Casualty Companies, and Great American Personal Lines into Infinity Property & Casualty.
1_Apprentice
I barely have health insurance... haha . How many cars do you own ?
0_Wizard
i have one car, a ford focus. I have lots of protection against physical dmaages and liability coverage, but I have luckily never needed it
Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise there from.
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Vehicle insurance
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Vehicle insurance in the United States
Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another.
Ford Motor Company
The Ford Motor Company (commonly referred to simply as "Ford") is an American multinational automaker headquartered in Dearborn, Michigan, a suburb of Detroit. It was founded by Henry Ford and incorporated on June 16, 1903. The company sells automobiles and commercial vehicles under the Ford brand and most luxury cars under the Lincoln brand. Ford also owns Brazilian SUV manufacturer, Troller, and Australian performance car manufacturer FPV. In the past, it has also produced tractors and automotive components. Ford owns an 8% stake in Aston Martin of the United Kingdom, and a 49% stake in Jiangling of China.
Ford Focus (third generation)
The Ford Focus (third generation), also known as the Focus Mk III, (Code name: C346) debuted at the 2010 North American International Auto Show as a 2012 model. The cars shown were a 4-door sedan and 5-door hatchback, also debuting a new 2.0L direct injection I4 engine. A 5-door estate (wagon) was previewed at the Geneva auto show a month later. This generation of Focus would be the first Ford vehicle designed under the tenure of CEO Alan Mulally and his "One Ford" plan, which aimed to leverage Ford's global resources into creating more competitive vehicles that could be sold globally in each segment with minimal changes.
Ford Focus (first generation)
The Ford Focus (first generation) is a compact car that was manufactured by Ford in Europe from 1998 to 2004 and by Ford in North America from 1999 to 2007. Ford began sales of the Focus to Europe in July 1998 and in North America during 1999 for the 2000 model year. Manufacturing in Argentina continued until 2008, and it was still on sale in Brasil in 2009. In Europe and South Africa, the Focus replaced the various Ford Escort models sold in those markets. In Asia and Australasia, it replaced the Ford Laser. Codenamed C170 during its development, and briefly known to some Ford contractors as the Ford Fusion, the original Focus took its eventual name from a Ghia concept car which was shown at the Geneva Motor Show in 1991.
Ford Focus
The Ford Focus is a compact automobile (C-segment in Europe) manufactured by the Ford Motor Company since 1998. Designed under Alex Trotman's Ford 2000 plan, which aimed to globalize model development and sell one compact vehicle worldwide, the Focus was primarily designed by Ford of Europe's German and British teams . The Focus was released in July 1998 in Europe, succeeding the Ford Escort, and replaced the Mazda Familia-derived Ford Laser in Asia and Oceania along with the Laser-based North American Escort. Wayne Stamping & Assembly started producing the Focus for North America with sales beginning in 1999.
Ford Focus (second generation, Europe)
The Ford Focus Mk 2 is an automobile which was produced by Ford from 2005 to 2010. It was launched at the Paris Motor Show on August 23, 2004 as a three and five-door hatchback and an estate, although the new car was previewed, in 4-door saloon form, as the 'Focus Concept' developed by Ford Europe at the Beijing Motor Show in mid-2005. The Mk 2, codenamed C307, uses the Ford C1 platform which is shared with the Volvo S40, V50 and C70, Mazda3 and Focus C-MAX. Ford calls this platform sharing programme "Global Shared Technologies". The basic suspension design, which contributed much to the Mk 1's success, has been carried over largely unchanged from its predecessor which, along with a 10% stiffer bodyshell, offers a better ride according to Ford.
Ford Focus Electric
The Ford Focus Electric is a 5-door hatchback electric car produced by Ford. The Focus Electric is Ford's second full production, all-electric vehicle (the first being the Ford Ranger EV), and production began in December 2011. The Focus Electric shares the glider of a third generation Ford Focus. Its electric powertrain originally used a 23 kWh liquid-cooled lithium-ion battery pack, which delivers a range of according to the United States Environmental Protection Agency. The 2017 model uses a 33.5 kWh liquid-cooled lithium-ion battery pack which delivers an range of according to the United States Environmental Protection Agency.
1_Apprentice
Nice, Glad to hear you haven't had a wreck . So you're pretty happy with your coverage?
0_Wizard
I am okay with it, but I put in enough money to buy a nicer car. I have an older focus. They started producing them in America in 1999, I got mine not more than a few years after that
Wayne Stamping & Assembly started producing the Focus for North America with sales beginning in 1999.
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Nothing Records
Nothing Records was an American record label specializing in industrial rock and electronic music, founded by John Malm Jr. and Trent Reznor in 1992. It is considered an example of a vanity label, where an artist is able to run a label with some degree of independence from within a larger parent company—in this case, Interscope Records was the parent company. Nothing Records became largely defunct in 2004 due to a lawsuit by Reznor against John Malm. The label became inactive as a whole following several further releases—the "Beside You in Time" (February 2007) home video was the label's final release.
History of As the World Turns
As the World Turns is a long-running soap opera television series that aired on CBS from April 2, 1956, to September 17, 2010. Its fictional world has a long and involved history. List of characters who were part of the original cast:      Like many daytime dramas of the period, the show entered into a mixed experiment with heavily youth-oriented action-adventure storylines in the early 1980s under producer Mary-Ellis Bunim and writers Bridget and Jerome Dobson. One of their juiciest stories centered around the various and sundry traumas endured by Jennifer's daughter Barbara Ryan (Colleen Zenk Pinter) - during the years of her marriage to the charismatic criminal James Stenbeck (Anthony Herrera) (This was after she had left Tom Hughes at the altar in June 1980).
Top Gear challenges
"Top Gear" challenges are a segment of the "Top Gear" television programme where the presenters are tasked by the producers, or each other, to prove or do various things related to vehicles. Novelty challenges and short stunt films are typically based on absurd premises, such as jumping a bus over motorcycles (instead of the more typical scenario of a motorcycle jumping over buses), or a nun driving a monster truck. These features have become much less prominent over the life of the programme (they were much more regular during the first four series); they have been superseded in later series by the ""How hard can it be?""
List of Two and a Half Men characters
The American sitcom "Two and a Half Men", created and executive produced by Chuck Lorre and Lee Aronsohn, premiered on CBS on September 22, 2003. The show initially centers on seven characters: brothers Charlie and Alan Harper; Jake Harper, the dimwitted son of Alan and his first ex-wife; Judith Harper-Melnick, Alan's first ex-wife, Herb's ex-wife, and Jake and Milly's mother; Rose, one of Charlie's previous one night stands who continuously stalks him; Evelyn Harper, Charlie and Alan's wealthy, five time widowed, bisexual mother, and Jake's grandmother; and last of all, Berta, Charlie's sharp-tongued housekeeper, who later joins the main cast starting with season two after playing a major recurring role throughout the first season.
List of Shameless characters
The following is a list of fictional characters from the British comedy-drama Shameless, created by Paul Abbott, which began broadcasting on Channel 4 in 2004. The programme is set on the fictinal Chatsworth Estate in suburban Manchester and the surrounding area, and primarily follows the lives of the Gallagher family and the neighbouring Maguire family, and their friends and neighbours in the town's shops and local pub The Jockey. The first series focuses on layabout Frank Gallagher and the lives of his six children, Fiona and boyfriend Steve, Lip, Ian, Carl, Debbie and Liam, and next-door neighbours, Kev and Veronica.
List of The Sopranos characters – Friends and family
Domenica is the daughter of Janice and Bobby Baccalieri. She was born sometime in 2005, after her parents got married. Getting her registered for a pre-school was the reason why Janice and Bobby were not able to take care of Junior the night he shot Tony. Domenica rode the amusement ride with her mother at the Feast of St. Elzéar when it broke. She longed for another ride and Tony later spun her around at the feast, to her joy. That year, Janice took Domenica to Satriale's Pork Store to demand that Tony make Bobby a capo. In 2007, Domenica played at the house near the lake when Tony, Carmela, Bobby, and Janice celebrated Tony's birthday.
Blockade of Germany (1939–1945)
The Blockade of Germany (1939–1945), also known as the Economic War, was carried out during World War II by the United Kingdom and France in order to restrict the supplies of minerals, metals, food and textiles needed by Nazi Germany - and later Fascist Italy - in order to sustain their war efforts. The economic war consisted mainly of a naval blockade which formed part of the wider Battle of the Atlantic, and included the preclusive buying of war materials from neutral countries to prevent their sale to the enemy. There were four distinct phases of the blockade. The first period was from the beginning of European hostilities in September 1939 to the end of the "Phoney War," during which the Allies and Axis Powers both intercepted neutral merchant ships to seize deliveries en route to the enemy.
1_Apprentice
Are you thinking of getting a new car?
0_Wizard
Yes, but I wouyld just lie a newer Focus I think, it has been relatively good to me so far!
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St Nedelya Church assault
The St Nedelya Church assault was a terrorist attack on St Nedelya Church in Sofia, Bulgaria. It was carried out on 16 April 1925, when a group of the Bulgarian Communist Party blew up the church's roof during the funeral service of General Konstantin Georgiev, who had been killed in a previous communist assault on 14 April. 150 people, mainly from the country's political and military elite, were killed in the attack and around 500 were injured. After the failure of the September Uprising in 1923 and the prohibition of the BCP by the Bulgarian Supreme Court of Appeal on 2 April 1924, the Communist Party found itself in a difficult situation.
Yes (band)
Yes are an English rock band formed in London in 1968 by singer Jon Anderson, bassist Chris Squire, guitarist Peter Banks, keyboardist Tony Kaye, and drummer Bill Bruford. The band have undergone numerous formations throughout their history; nineteen musicians have been full-time members. Since June 2015, it has consisted of guitarist Steve Howe, drummer Alan White, keyboardist Geoff Downes, singer Jon Davison, and bassist Billy Sherwood, with no remaining founding members. Yes have explored several musical styles over the years, and are most notably regarded as progressive rock pioneers. Yes began in 1968, performing original songs and rearranged covers of rock, pop, blues and jazz songs, as evident on their first two albums.
United Kingdom Alternative Vote referendum, 2011
The United Kingdom Alternative Vote referendum, also known as the UK-wide referendum on the Parliamentary voting system was held on Thursday 5 May 2011 (the same date as local elections in many areas) in the United Kingdom (UK) to choose the method of electing MPs at subsequent general elections as part of the Conservative – Liberal Democrat Coalition Agreement drawn up after the 2010 general election which had resulted in the first hung parliament since February 1974 and also indirectly in the aftermath of the 2009 expenses scandal under the provisions of the Parliamentary Voting System and Constituencies Act 2011 and was the first national referendum to be held under provisions laid out in the Political Parties, Elections and Referendums Act 2000.
Scottish independence referendum, 2014
A referendum on Scottish independence from the United Kingdom took place on 18 September 2014. The referendum question, which voters answered with "Yes" or "No", was "Should Scotland be an independent country?" The "No" side won, with 2,001,926 (55.3%) voting against independence and 1,617,989 (44.7%) voting in favour. The turnout of 84.6% was the highest recorded for an election or referendum in the United Kingdom since the introduction of universal suffrage. The Scottish Independence Referendum Act 2013, setting out the arrangements for the referendum, was passed by the Scottish Parliament in November 2013, following an agreement between the Scottish Government and the United Kingdom government.
Religious debates over the Harry Potter series
Religious debates over the "Harry Potter" series of books by J. K. Rowling are based on claims that the novels contain occult or Satanic subtexts. A number of Protestant, Catholic, and Orthodox Christians have argued against the series, as have some Shia and Sunni Muslims. Supporters of the series have said that the magic in "Harry Potter" bears little resemblance to occultism, being more in the vein of fairy tales such as "Cinderella" and "Snow White", or to the works of C. S. Lewis and J. R. R. Tolkien, both of whom are known for writing fantasy novels with Christian subtexts. Far from promoting a particular religion, some argue, the "Harry Potter" novels go out of their way to avoid discussing religion at all.
Armies in the American Civil War
This article is designed to give background into the organization and tactics of Civil War armies. This brief survey is by no means exhaustive, but it should give enough material to have a better understanding of the capabilities of the forces that fought the American Civil War. Understanding these capabilities should give insight into the reasoning behind the decisions made by commanders on both sides. The Regular Army of the United States on the eve of the Civil War was essentially a frontier constabulary whose 16,000 officers and men were organized into 198 companies scattered across the nation at 79 different posts.
Characters of Glee
"Glee" is a musical comedy-drama television series that aired on Fox in the United States for six seasons from 2009 to 2015. It focuses on the high school glee club New Directions competing on the show choir competition circuit, while its members deal with relationships, sexuality and social issues. The initial main cast encompassed club director and Spanish (later History) teacher Will Schuester (Matthew Morrison), cheerleading coach Sue Sylvester (Jane Lynch), guidance counselor Emma Pillsbury (Jayma Mays), Will's wife Terri (Jessalyn Gilsig), and eight club members played by Dianna Agron, Chris Colfer, Kevin McHale, Lea Michele, Cory Monteith, Amber Riley, Mark Salling and Jenna Ushkowitz.
1_Apprentice
Amazing, I am looking for a car and I will definitely keep that in mind