Aulsbrook Law Firm - February 2019

No one loves to pay their auto insurance premiums. We do it because it offers us a level of protection when we venture out on the open road. It’s peace of mind. There is no way to predict what will happen when we commute from home to work and back again. But what determines the amount we pay when the insurance bill arrives? There are several factors that inform the insurance company what they can charge each customer. Take a look. Driving Record It goes without saying that if you’re involved in a crash, you can expect to pay more. Over time, however, you can lower your premiums by keeping your record clean. Those who have never been involved in a crash won’t pay as much. Vehicle of Choice The make and model of your car or truck can have a big impact on what you pay every year. Sportier, higher- horsepower vehicles tend to come with hefty premiums, while cars that emphasize safety and security are paired with lower premiums. Additionally, vehicles that are more susceptible to theft or have lower safety ratings are costlier to insure. Location Insurers charge more for areas where crashes are more frequent and theft rates are higher. Typically, this is the case for just about every city in the country. That means people who live in more densely populated areas will get a bigger insurance bill. Those who live in more rural areas usually spend less. Mileage How much and how far you drive is another factor in what you pay. Basically, if you drive more, you can expect to pay more. It comes down to the fact that the more time you spend on the road commuting, the more likely it is you’ll experience a crash. Credit History Insurers can reference your credit history when determining your premium. They cite studies that suggest your credit history can determine your likelihood of submitting an insurance claim. That is to say, people with lower credit scores are a greater liability in the insurance company’s eyes. Age The numbers don’t lie. Data shows drivers under the age of 24 are more likely to get into a crash than any other group — males under 24, in particular. As a result, their premiums are higher. In almost every case, the younger you are, the more you can expect to pay, and the number goes down as you age. Those past retirement age traditionally pay the least. 6 FACTORS THAT INFLUENCE YOUR INSURANCE PREMIUMS

Family Game Night

Break the Monotony of Overplayed Board Games!

Family game night is a time when a family can forget about all of life’s commitments and bond over a good old-fashioned board game. The old, tattered Monopoly box or worn-out UNO cards can leave something to be desired, and the classics might be getting a little dull. If you’re tired of playing the same board games over and over, it might be time to start looking for ways to change things up. Here are four tabletop games you might not have heard of that are perfect for spicing up family game night. Mysterium Your family will love delving into this cooperative murder mystery game that is a mixture of Clue and Dixit. You can play as the ghost or as one of the mediums who enters the haunting. The ghost player gives each medium a clue or vision about a potential murderer, and the mediums have to guess which person, room, or weapon was used to murder the ghost player. After each turn, the ghost reveals whether each of the mediums’ guesses are right or not. If all of the mediums succeed in guessing correctly by the seventh in-game hour, they work together to find the true murderer. Laser Chess A classic game of chess is a great way to spend an evening, and it just got a little more interesting. Laser chess includes all the problem-solving skills a typical chess game offers but with a twist. At the end of each turn, a player fires a small laser beam that bounces off the mirrored chess pieces. If it hits the non-mirrored surface of a piece, that piece is taken by the player. A player wins when the opposing player’s king piece is illuminated. Catan Welcome to the island of Catan! After a long voyage at sea, the people in your expedition compete against other seafarers in building settlements. Enjoy the 45–90-minute game as you and your family build roads, barter resources, and race for absolute supremacy on Catan. One Night Werewolf Every night, werewolves prowl around the village, and it's up to the villagers to find the werewolf once the sun rises — before it's too late. Each person plays a unique role with different abilities to help find or conceal the werewolf. If the werewolf is caught, the villagers win the game, but if the werewolf manages to escape, the villagers lose.

Now you can bring some exciting variety into your family game nights. Don’t miss out on these excellent tabletop games, and most importantly, have fun!

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