Auto Insurance Comparison Shopping – Best Rates and Best Companies

Comparison shopping on the Internet has become a worldwide phenomenon. In just minutes you can compare products and prices in virtually any category. Here’s how to go auto insurance comparison shopping and find the best rates and the best companies.

Auto Insurance Rate Comparisons

When it comes to auto insurance rate comparisons you need to get quotes from a variety of different companies to make sure you’re getting the best rate. Single-company websites run by large insurance companies only give you their quotes, and even the ones that say they give you comparisons from other companies may only give you one or two quotes.

In order to get the best auto insurance rate for your situation you need to go to an insurance comparison website where you can get quotes from a number of different companies. These sites have you fill out a questionnaire where you can enter the deductibles and discounts you want so you’ll get their cheapest rate.

The better sites have two features that will help you with your auto insurance rate comparisons: 1. An “Articles” or “Advice” section where you can get money-saving tips and other information on auto insurance. 2. A chat feature where you can ask an insurance expert questions about auto insurance. (See link below.)

Auto Insurance Company Comparisons

After you choose a company, you need to make sure they’re reputable and will pay your auto insurance claims. My favorite sites to check up on auto insurance companies are:

* State insurance department websites – Every state has a website run by their insurance commissioner that lists agents and companies. Here you can find complaints filed against companies to see which ones have the fewest.

* Epinions.com website – This site has a product rating and review guide for everything under the sun, insurance companies included. Here you can get inside information – ratings and reviews – from actual company customers.

Bottom Line

When it comes to auto insurance comparison shopping, using the Internet is a real no-brainer. It’s quick, it’s efficient, and it’s easy. Why not visit one now and see how much money you can save?

Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance comparison quotes from top-rated companies and see how much you can save. You can get more car insurance tips by checking out their “Articles” section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on auto insurance comparison shopping.

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Comparison shopping on the Internet has become a worldwide phenomenon. In just minutes you can compare products and prices in virtually any category. Here’s how to go auto insurance comparison shopping and find the best rates and the best companies.

Auto Insurance Rate Comparisons

When it comes to auto insurance rate comparisons you need to get quotes from a variety of different companies to make sure you’re getting the best rate. Single-company websites run by large insurance companies only give you their quotes, and even the ones that say they give you comparisons from other companies may only give you one or two quotes.

In order to get the best auto insurance rate for your situation you need to go to an insurance comparison website where you can get quotes from a number of different companies. These sites have you fill out a questionnaire where you can enter the deductibles and discounts you want so you’ll get their cheapest rate.

The better sites have two features that will help you with your auto insurance rate comparisons: 1. An “Articles” or “Advice” section where you can get money-saving tips and other information on auto insurance. 2. A chat feature where you can ask an insurance expert questions about auto insurance. (See link below.)

Auto Insurance Company Comparisons

After you choose a company, you need to make sure they’re reputable and will pay your auto insurance claims. My favorite sites to check up on auto insurance companies are:

* State insurance department websites – Every state has a website run by their insurance commissioner that lists agents and companies. Here you can find complaints filed against companies to see which ones have the fewest.

* Epinions.com website – This site has a product rating and review guide for everything under the sun, insurance companies included. Here you can get inside information – ratings and reviews – from actual company customers.

Bottom Line

When it comes to auto insurance comparison shopping, using the Internet is a real no-brainer. It’s quick, it’s efficient, and it’s easy. Why not visit one now and see how much money you can save?

Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance comparison quotes from top-rated companies and see how much you can save. You can get more car insurance tips by checking out their “Articles” section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on auto insurance comparison shopping.

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There are many factors which will be used to determine rates in Auto insurance companies. Though you have the same car and a comparable driving record as your friend, your auto insurance rate might be higher than that of your friends. You might have wondered a lot why such a thing happens, though you did a lot of research before you found one.

The reason behind this is mainly because there are some factors used to determine these rates which are unknown to many. There are factors like zip code, marital status, etc beyond the similarities in car, driving record, etc to be considered in determining the rates for the auto insurance. The other main factor is the location where your house is located. It matters a great deal whether it is located bordering any city boundaries or whether it is in another street leading to another zip code. This difference may decide the insurance rates. The same applies to a driver who is married. In case of married ones, the insurance rates are often lower because of claims statistics.

Auto insurance companies look into the total claims and sort them out on the basis of zip code, marriage along with many other factors like driving record, driving experience, etc. Based on all these factors, companies may lower and raise the insurance rates according to the claims ratio. Some of the examples are

Example 1)

Out of the total number of accidents, 25% of them were married and the remaining were single.

Result = Lower rates for those who are married and higher rates for those who are single.

Example 2)

Out of the total number of accidents, 6% of them were in zip code 90037, 0% of them was in zip code 92345.

Result= Lower rates for those in zip code 92345 and increase rates for those in zip code 90037.

It is not possible for the auto insurance companies to raise rates whenever they want or wish. They need to submit a request for rate change in addition to documentation to the controlling government agency like the Department of Insurance. The change in rates, if any, needs to be approved or denied by this agency.

The main factors used to determine the auto insurance rates are:

* Date of Birth
* Driving Experience
* Gender (male or female)
* Driving History

* Zip Code
* Marital Status
* Occupation (vehicle use)
* Coverage Requested
* Prior Insurance (possible discount)
* Commute Mileage (distance to or during work)

There may also be some discounts, which will help in lowering the rates like

* College Degree Discounts
* Senior – Mature Driver Discounts
* Good Student Discounts
* Vehicle Safety Discounts
* Multi-Car Discounts
* Safety Course Certificate Discounts

The above mentioned are mostly the factors that are used in determining the auto insurance rates. The next time when you get your auto insurance, by looking into these factors, you will have a better understanding of how the rates will be determined.

John Webb is a writer and the owner of the CheapCarInsurance4U.com – providing you with the cheapest car insurance quotes. Just type in your zip and within seconds you will have insurance quotes within your area.

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Cheap Auto Insurance in Pennsylvania

Pennsylvania, the Keystone State, is home to some 13 million people. And obviously, the more people there are in a state, the more drivers there are as well. There will also be a higher demand for auto insurance policies. Pennsylvania is a no-fault state so drivers need to be extra careful when it comes to their auto insurance.

A Crash Course

Make sure that you do not insure yourself and your vehicle only for expenses that you can already afford. This is the reason why you secured a policy in the first place. They serve the purpose of covering large expenses that come as a result of vehicular mishaps, fire damages, or losses due to theft.

When it comes to the budget, this can give you a pain in the neck. You obviously want to get cheap auto insurance that covers a lot. Do not in any way misconstrue the term ?cheap auto insurance.? Such a policy in Pennsylvania does not immediately stand for less coverage benefits. You can get the best benefits while paying low premiums.

Types of Auto Insurance

1. The Full Tort System. With this policy, the aggrieved side holds all rights to file a suit against the other party. In such case, the driver has the right to take legal action and claim pain, loss, medical expenses, damages done to the car, and the like. The premiums for this category generally have higher rates.

2. The Limited Tort System. With this type of policy, the injured party is given leeway in filing for economic damages and medical expenditures. This policy, however, does not cover the claims for emotional suffering and pain. As a result, the premiums cost less.

Driving in Pennsylvania becomes much more secured when your automobile is protected by insurance. Before deciding to procure a policy, it would be wise to shop around first for auto insurance quotes from various insuring firms. Get connected with different online brokers and inquire about their auto insurance premiums and the coverage they provide.

Cheap Auto Insurance provides detailed information on Cheap Auto Insurance, Cheap Auto Insurance For New Drivers, Cheap Auto Insurance Online, Cheap Auto Insurance Quotes and more. Cheap Auto Insurance is affiliated with Affordable Insurance Info [http://www.i-affordableinsurance.com].

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A lot of car owners find it hard to search for the best and finest automobile insurance. In fact, it is really not that simple to select from hundreds of different auto insurance agencies especially if you are not yet decided on what type of automobile insurance to obtain.

There are so plenty of things that you have to consider including your personal needs. If you are having a hard time finding one for yourself, a free car insurance quotation can be helpful. There is no need for you to find an automobile insurance agency because you can obtain some important information’s regarding numerous automobile insurance categories. It will allow you to decide and evaluate which agency can give you superior coverage.

How to Obtain Free Auto Insurance Quotation

For you to obtain free car insurance quote, you don’t need to pay any kind of charges. Instead, you will be given the possibilities on how you can save money on your automobile insurance. There will be a lot of insurance rates to be given, so it would be simple for you to compare the benefits and make a right decision. Depending on the place you are living, free car insurance quotation will assist you to see the details through the internet where you can conduct a search for the cheapest and lowest offer.

Benefits and Advantages of Free Auto Insurance Quotes

Obviously, an individual who wants to get auto insurance will go for the company that will offer the most reasonable monthly terms and the lowest interest rates. Here are some benefits that can be acquired from going over insurance quotes online:

o Submitting an application form will allow you to purchase the insurance policy immediately. You can just print it on your PC.
o This may assist you to make a better and faster judgment. Based on your personal info’s, you are able to see all the reliable auto insurance agencies with their great offers and insurance rates.
o In the business world, there are so plenty of insurance representatives who are “sales-hungry”. They are eager to do everything just to make a deal and making a transaction with them may be so easy or hard depending on how constant they are, even if you are not attracted with their offer. Insurance application and evaluation online would keep you away from having any business with remorseless agents who would force you to avail their offer.

There are also a lot of risks and threats involved in applying for free auto insurance quotations. You need to be careful in giving your personal info’s for business purposes, and the worse is if you lost any kind of identity proof. Getting the best deal must never be the barrier with your security and safety. Checking different auto insurance policies would be best rather than just settling with your first option. That is why it is very helpful to know more regarding auto insurance policies and terms given by a lot of companies for you to get the best deal.

Free auto insurance quotations have been famous for a long period of time now due to their economical budget that makes you save thousands of dollars in pointless and unnecessary pursuit. If you still do not have one, get free automobile insurance quotes now from reputable and auto insurance companies only.

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Are you looking for a car at a reasonable insurance rate? Finding a good deal on auto insurance gets very difficult at times. Finding a good policy in this regard is not at all easy if you are living in a high cost state. It is difficult to determine average auto insurance rates in the market because things differ in different countries, cities and states.

Auto insurance rate also depends on the policies offered by different insurance companies. Not all companies offer the same rates, and it can get very difficult for you to find a reasonable rate according to your affordability. You must do a good research about the average insurance rates in your local market and then look for the best deal. People waste a lot of time in searching for the best deals. There are easy ways to find the average rates for insurance in the market.

Internet is a solution for almost everything nowadays. You can browse over the internet in order to find the average insurance rates for autos in the market. The rate basically depends on your locality and not on which vehicle you drive. If you live in a city, chances of an accident are higher because of the traffic. If you live in a rural area, obviously, the premium will be low in comparison to someone living in the city.

The rate for insurance of autos is determined by insurance companies while keeping a lot of factors in mind; the age of the driver is an important factor. According to a report by NAIC, the rate of auto insurance dropped by an overall seven percent in 2006. According to the report, the location matters a lot, and there is a lot of difference between the highest and lowest insurance rate for autos.

According to another report of NAIC, the states where the chances of accidents are higher, wages and price levels are also higher. There are other factors also that affect this rate; these factors include different auto insurance laws, repairing costs, car theft rates and liability coverage requirements.

In New York, the average auto insurance rate is $1,047 and it is different in other states. For instance, in Florida, it is $1,043, in Pennsylvania $820, in Texas $808 and in California it is $800. The rates show that the location matters a lot in determining the average rate of insurance.

If you want to get a good rate for the insurance of your car, you must look for a good insurance company. Browse for good companies online and look for the best options that you have. Getting car insurance is obviously very important if you are living in urban cities and making the right decision is even more important. Do not get confused by different polices offered by insurance companies.

It is very important for you to understand the terms and conditions of the insurance companies before you actually opt for insurance. If you do a good research, you will definitely find a good average auto insurance rate.

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It’s such a pain to find affordable auto insurance today. Can you imagine what it was like before the Internet? Back in the day, you use to have to call around and make arrangements with an insurance agent and set up a meeting just to get quotes. Nowadays you can hop online and go to one site and find many different insurance quotes specifically geared towards what you’re looking for.

When looking for auto insurance it is always important to gather several different quotes, because auto insurance can vary by hundreds of dollars. Also, it’s important to look at the liability coverage from policy to policy. Not all insurance policies are the same. For example liability is very important when considering auto insurance, because if you’re in an auto accident and someone is injured, you could be liable for those injuries. This could result in a lawsuit, which could wipe out your assets.

When considering our auto insurance policies and looking over the quotes received, be careful of the quotes that see too low. Often times, a dishonest insurance company may be under quote the premiums of the insurance policy. Then when you sign up for the policy, the insurance company increases the premium amount. This is why it’s important to have actual quote in front of you before you sign a new policy.

Most insurance companies offer discounts for new policy holders. Many of them offer special discounts for those who have good driving records or are good students. Keep in mind that special discounts are typically given to policy holders that have other types of insurances such as life insurance or home owners insurance.

As a necessary expense, car insurance is something that you can’t survive without. Not only to cover the replacement value of a car, but the liability involved. It’s important to consider policy information very carefully to make sure that you are aware of all clauses and to ensure that the policy covers the proper replacement costs and liability for you.

Don enjoys writing articles about General Auto Insurance and car insurance for young drivers.

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As a parent it is natural that you are always very anxious for your teenagers safety. With the winter coming very soon, your anxiety levels are also higher since you are aware of the fact that for some of you this is going to be the first winter when your under 21 is going to be driving. This is a time when you are not thinking of cheap auto insurance quotes but are thinking in terms of safety and avoiding the auto collision and accident. Auto accidents can be deadly and cause grave injuries.

Winter is obviously not the best season to be driving and it poses great challenges for the experienced drivers and driving conditions can be even harsher for your teenager. Winter manifests a different driving challenge in each region depending whether there are going to be the harsh winter conditions like snow. In some place the storms along-with the absolutely cold weather make the road slippery. On the road winter means icy roads, reduced or no visibility or just road blocks or worse conditions. It is also a bad time for the insurance companies when they see their vehicle insurance claims mounting and start thinking of hiking the auto insurance premium.

As a parent to maintain cheap auto insurance quotes, the first best thing for you to do is to sit with your child and explain the perils of winter driving and give them the tips which I am sure you have gathered over the years. Prepare your teen for the winter driving and the road conditions of the winter.

Besides the driving skills of the navigator the car is the most important factor which needs to be in a perfect condition. You cannot afford to leave the preparation of the vehicle for being in the best condition till the snow starts falling.

The slickly road conditions especially in areas where it snows are the most dangerous. You need to have the right snow tires that can help in reducing the chances of your auto sliding and skidding into another vehicle. Obviously, accidents would cause injury and damage besides you would be paying higher auto insurance rates for at least minimum three years. The best snow tires would have the optimum grip and reduce the chances of any accidents.

The choice of the right snow tire is what would make the difference between life and death. A little expense on the tires is worth a lot. The best deals for the tires are to be found even in the daily media, news papers and the flyers. You would be able to strike a good deal for $50 -$100 for a tire.

The second would be the servicing of the car so that the brakes are in the best condition. No one can afford a break-down of the vehicle especially in the winter. It would be a good idea to review your auto insurance policy and see what is covered. This is a time when you would need your collision and comprehensive auto insurance coverage. Get your wipers and heating system checked other wise this would affect the visibility.

Also make sure that your teen or you have signed up for road assistants services. These services would become very crucial in the winter, especially when the weather conditions are worst. You or your teen cannot afford to just wait on the road for assistance. There are the chances and threats of thunderstorms and incumbent weather, when nature is a threat rather than accidents.

A little bit of due diligence now, will keep you warm and happy in the winter. You will have the comfort of a warm car. You can snuggle in knowing that you and your teen have ensured that auto accidents are prevented and are eligible for cheaper auto insurance quotes.

You can maintain cheap auto insurance quotes for your teen with ease. Prevent the skidding and get more juice and anchor on insurance and safety http://www.teenautoinsquote.com

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Auto Insurance Quotes Comparison Demo

Auto insurance is designed to help protect you in situations that involve your vehicle. Which is one of the reasons that auto coverage follows the car, Auto insurance is a necessity and requirement in all states? Auto insurance is a complete must for all the drivers. Auto insurance provides third party coverage and has emerged as a legal requirement.

Auto insurance is a very simple thing that may cause much confusion for many people. The lack of knowledge, when shopping for general auto insurance, is the problem that most people have. Auto insurance is one of the most used types of personal insurance. Most states require that you purchase some kind of insurance coverage to drive legally in the state. Auto insurance is a “necessary evil” which is necessary for all automobile owners. But it is not enough to have an insured vehicle; the main thing is to have an insured vehicle with best auto insurance.

Auto insurance is certainly one expense that you have to budget for where doing a little research and making some calls can pay huge dividends in both the short and long term. With little time invested, you can potentially save hundreds a year and tens of thousands over your lifetime. Auto insurance is mandatory for drivers in all 50 U.S. However, most drivers rarely, if ever, look at their auto insurance coverages to see exactly how they are protected financially in the case of an auto accident, natural disaster, or vandalism.

Auto insurance is meant to make you whole in the case of an accident with injury or property damage. It is to protect your assets and protect you from liability. Auto insurance is mandatory for all new vehicles, be it for commercial or personal use. Insurance Companies are coming out with comprehensive policies for its customers. Auto insurance is a mandatory thing, but like wearing a seat belt, it is fundamentally good idea. This is why so many people are reluctant to purchase only the bare minimum required by law in their states.

Drivers are classified based on a number of different characteristics including, but not limited to, age and gender, marital status, where the vehicle is garaged, driving record, make and model of vehicle, prior insurance coverage and annual miles driven. History has shown that drivers with certain characteristics, such as a poor driving record, have a greater chance of being involved in an accident, and the drivers in those classifications must pay higher rates. Drivers do not realize how expensive it is to have and operate a vehicle. This “privilege” is heavily subsidized. Drivers who are similar in other respects: age, gender, location, driving safety record, pay nearly the same premiums if they drive five thousand or fifty thousand miles a year. Just as an all-you-can-eat restaurant encourages more eating, all-can-drive insurance pricing encourages more driving.

Coverages include the type of losses for which the company agrees to pay. Each kind of coverage you buy will have its own section in the policy that details the situations it covers, persons insured under it, definitions of various words used, exclusions that apply to the section, and the limits of the company’s protection in that section. Coverage provided by group and non-group policies generally is similar. Remember, however, that different companies offer different coverage options in their policies.

Companies having insurance for auto mobiles are accorded a rating depending on a combination of factors such as total experience, claims handling, policy opportunities, pricing and financial strength. Companies frequently adjust rates such that no one company stays in the low cost leader slot very long. Unless you get new quotes every year, you never know that you might be able to get better rates from a different auto insurance company. Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. Companies renew policies after expiry. A discount on premium is sometimes provided to existing clients.

Car insurance rates for a 16 yr old can gradually decrease as the teenager learns how to show their level of responsibility more effectively. The less risk that driver shows, the lower their rates will be. Car insurance is one such item because they were very easy to possess but today they create difficulty for our pockets. People think a large number of times before going for any particular insurance plan. Cars that have more expensive parts, or are sportier are equipped with higher insurance rates. Buying a less expensive car will cut down on your insurance and liability coverage costs.

Carefully study coverage extent, the length of time it takes to process claims and extras such as free towing or road assistance. Customer support is also extremely important you want an auto insurance company that can give you maximum support whether online or over the phone. Cars with larger engines typically waste even more gas while idling than cars with smaller engines, according to Consumer Reports, as a rule of thumb, turn off your engine if you will be idling for more than 30 seconds.

Car accidents happen more frequently than you think, and car repair costs are higher than ever. And, in our increasingly litigious society, the chances that you will also be sued by another driver in the accident are very high. Cars are given a rating from 1 to 27, and the higher the number, the higher your premium.

Plan your next car purchase as a negotiation between what you really want and how it will affect your insurance premiums. Determine how much extra you are willing to pay in insurance for a car and use that figure to help you determine what your price range is. Plan ahead and potentially saves lots of money.

Persons sharing characteristics with high claims groups will be charged more for insurance coverage. Personally Identifiable Information might include your name, age, mailing address, telephone number, mobile phone number, email address, and other identification and contact information.

Comprehensive insurance policies have deductibles – the amount of money you have to pay out before your insurance company starts picking up the bill, the higher your deductible, the cheaper your monthly premiums. Comprehensive auto insurance will also protect you from any public liability claim made as a consequence of the accident. As well as accidents, your vehicle can also be covered from damage caused by from fire, theft, vandalism, adverse weather and other scenarios. Comprehensive insurance can assist you financially in this but only up to the Kelley Blue Book value of the car. If repair costs exceed this value, the car insurance company will declare it totaled and award you the full cash value of your car.

Additional coverage is recommended if you have a larger net worth. Additionally, life insurance can help pay for funeral costs and therefore ensure that your death will not be a financial burden for your family.

Liability insurance covers the damages caused by your vehicle, whether bodily injury or property damage. The amount of coverage varies by policy and by the kind of damages covered. Liability coverage pays for damage that you’re responsible for and have caused to other people or their property.

State-run insurance guaranty associations, which are supposed to pay claims for insolvent insurance companies, exist in each state. However, while these associations are an important safety net for insurance consumers, they are by no means perfect. State regulators must explicitly approve the type of insurance policies that insurers offer, and in many states current regulations would not even allow pay by the mile policies.

Accordingly, buy a little more than the minimum required, to give you extra cushion of protection. What price are you willing to pay for piece of mind? According to industry professionals, teen drivers add anywhere from 50 percent to 500 percent to a premium. However, many insurance companies will discount the rate when a child is away at school. According to the Insurance Information Institute, increasing your deductible from $250 to $500 can save you up to 20 percent on comprehensive and collision coverage.

Thank you for taking your time to read this article. Information shared here does not constitute financial, legal, or other professional advice. This article is intended to provide general information only and does not give advice which relates to your individual circumstances.

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Credit History & Auto Insurance – How One Can Save You Big Bucks On The Other

Your credit history can influence your ability to get a loan or a credit card, but did you also know that it can play a large role in the cost of your car insurance? It can. In fact, poor credit can result in higher auto insurance rates regardless of your past driving history. When you apply for coverage from an auto insurance company, you will likely be required to sign a release giving the company permission to access your credit file. If you want the best auto insurance rate possible, it’s time to start cleaning up that credit report.

Your first step to cheap auto insurance is to check your credit report from each of the three major credit reporting agencies, including TransUnion, Equifax and Experian. Closely review all information contained in each report, including both payment history and contact information. If there are any inaccuracies, file a dispute with the reporting agency immediately and await correction. In most cases, this takes less than two weeks.

You may be wondering why your credit history would play such a crucial role in how much you pay for auto insurance rates. When you apply for this type of coverage, you are asking the auto insurance company to put their trust in both you and your driving ability. By applying for coverage, you are agreeing to pay a premium and, in the event of an accident, a deductible. Your past credit history will give the auto insurance company an idea as to how you will handle your car insurance payments.

It’s important to note that even with a few blemishes in your credit history, it is still possible to compare auto insurance rates and even find discount auto insurance if you know where to shop. Many auto insurance companies realize that past credit history is, well, in the past. If you have a less than perfect financial history, don’t hesitate to explain your situation to the auto insurance company and let them go to work to find you the best auto insurance rate available.

If you have a credit report that needs improving, you can begin to see positive results in as little as three months. Avoid carrying a credit card balance that exceeds 50% of your total available credit, always pay your bills on time and pay more than the minimum payment if/when possible. After several months of regular payments, your credit report and score will begin to improve. What does this mean for your auto insurance rates? As your credit score goes up, your auto insurance rates may go down. One of the best ways to find the best provider for your needs is through obtaining several auto insurance quotes, compare rates and choosing the best one that offers a customizable plan.

The information in this article is designed to be used for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.

Andrew Daigle is the owner, creator and author of many successful websites including Free Auto Insurance Quotes an auto insurance company research site and a Low Loan Rates site for finding the best personal loan, payday loans, student loans and more for your financial needs.

Affordable Auto Insurance Rates Compare Online | Online10.info

Some auto insurance providers who paid out much money on claims the previous year may likely increase their rates in the current year; some others whose claims were not much may be more liberal. It becomes very clear why the quotes you …

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