One of the biggest lapses you can make as a car owner is not getting car insurance. However, it is important to avoid buying the first insurance policy you find. As purchasing a car is a huge decision, you should avoid leaving it unprotected, and getting auto insurance also helps you avoid hefty fines. Before getting the car insured, you should do your research, find the best provider, and avoid the following mistakes.  Not comparing policies You should get quotes for multiple auto insurance policies offered by various providers. If you don’t compare the premium amount and coverage, you might end up getting an expensive policy with inadequate coverage. So, exploring all options is a crucial measure for getting a good deal. It is also important to analyze the benefits and costs and avoid making a decision until you have checked out multiple policies. Not updating the policy One of the most common mistakes car owners make is forgetting to update their auto insurance policy. For instance, if you don’t add your teenage driver to the policy and if your child continues to drive the car, you might have to face legal consequences in the form of penalties or trouble seeking insurance money.

Buying a used car is one of the best ways to save money on the purchase. It is also possible to get all the features and accessories one wants in a pre-owned car that would otherwise be extremely expensive in a brand-new car. Though a cheaper alternative, buying a pre-owned automobile can still be a costly affair. To avoid that, one should spend some time carefully considering the purchase decision and preparing for negotiations. 1. Determine a budget Before one starts looking for used cars online or at dealerships, one must determine how much they are willing to spend. The budget should be set by considering the upfront cost of the car, repairs it might need, and new accessories or other add-ons. While setting a budget, one should also take into account maintenance and auto insurance costs. 2. Get pre-approved for financing Before finalizing the used car, one should consider getting approved for an auto loan through a traditional bank, online lender, or credit union. As part of prequalification, some lenders may let one explore potential interest rates without affecting their credit score. Lenders may also let one apply for preapproval and receive a formal offer, giving one around 30 days to shop.

A home title is the most important legal document for owning a house. It is physical evidence of ownership of land, apartment, house, or other real estate. A title document includes information about the property, from boundaries to ownership history. One has to produce this document to rent out, issue a mortgage loan, or sell the property. But title theft is a real concern, and here are some ways to protect oneself from it. Can a home title be stolen? Yes, a title document can be stolen and misused. Home title theft may not always involve the physical theft of a paper document, but it can involve fraudulent actions that result in a theft of one’s rights related to the said property. Some common ways this is done include impersonating legal entities, breaching data, intercepting personal emails, hacking records and public Wi-Fi, and more. How can a home title be misused? The title deed is recorded in the local government’s land records or registrar’s office. A scammer may manipulate the record and use it to undertake property-related transactions. These transactions include registering a fake deed, selling or renting the property without the owner’s consent or knowledge, or obtaining mortgages. If left unreported or ignored, the valid property owner may face financial losses and be stuck with the burden of proving their ownership, which can quickly become a lengthy and costly legal process.