Archive for February, 2012

Today anybody who owns and drives a car is guaranteed of one thing, and that is auto insurance. In life there are a few guarantees. Unfortunately, auto insurance is one of those few guarantees for anyone who owns a car. It is a legal requirement that all automobiles that are in use be registered and insured, and the government has set regulatory guidelines in regard to what type and level of insurance an automobile should have. Because of this government policy the insurance industry has been guaranteed a fixed demand and this demand has grown tremendously as the global economy grows and more people buy automobiles. As a result many insurance companies have grown to be very big conglomerates and with large turnovers and profits. These mega corporations in turn have been able to develop some key advantages and some of the insurers have decided to pass these on to the consumer. Insurance companies that pass on these advantages are what anyone looking for lower insurance quotes should be looking for.

The auto insurance industry is one of the biggest and most lucrative money making industries in the world. Because of the size of the industry there are also a few auto insurance companies that are also big in size. Because of these large companies using the economies of scale that their turnovers provide them they are able to cut down on the overhead costs and pass down the savings to the customer.

Another way in which auto insurance companies have been able to cut down costs is by the insurance first cutting down on there on operating costs and then passing on the savings to the consumers. A very practical and modern way auto insurers are able to cut operating cost is by the embracing modern technology trends. One particular trend that has developed and insurers have embraced is the Internet. Many auto insurers have begun processing clients detail and doing a lot of the administrative operations online and where possible through the services of more cost effective remote workers. These trends have had a big effect on the overall fixed costs and it’s up to you, the policy buyer to do a thorough search so as to locate insurer who have caught up with this trend and are passing on the savings.

Here’s a tip…

Most people know that the Best Way To Get Cheap Car Insurance is to compare insurance rate quotes.

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Twelve Ways to Save on Your Auto Insurance Policy

Want to save money on your car insurance? Here are suggestions from the Insurance Information Institute (III).

1. Comparison shop. Use consumer guides online from your state’s insurance department. These guides tell you what coverages you need and show you sample auto insurance rates, usually from the biggest companies. Get auto insurance quotes from at least three insurers.

2. Ask for higher deductibles. When you file a claim, a deductible is the amount of money you pay before your auto insurance company pays for the rest of the damage. Higher deductibles mean lower premiums. For example, increasing your deductible from $200 to $500 on collision and comprehensive coverage could reduce that portion of your premium by 15 to 30 percent, according to III.

3. Drop collision and/or comprehensive coverages on old cars. If your car is totaled in an accident, you receive the actual cash value of the car. Although auto insurance companies use their own criteria to determine fair market value for vehicles, you can get a ballpark estimate from Kelly Blue Book. For older cars, it may not make financial sense to pay premiums over many years to maintain collision and comprehensive coverage.

4. Buy a “low-profile” car. Cars that are expensive to repair or that have a high theft rate have higher car insurance rates.

5. Take advantage of low-mileage discounts. Some auto insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year. And with the high price of gasoline, driving less makes financial sense.

6. Consider auto insurance rates when making a move. Car insurance rates tend to be lowest in rural communities and highest in cities, where more traffic congestion occurs and the likelihood of theft increases.

7. Ask about discounts for air bags and other safety features. Your insurance agent can tell you know about these discounts when you purchase your coverage. Most policies give discounts for air bags.

8. Ask about antilock brake discounts. Some states require insurers to give discounts for cars equipped with antilock brakes. Some auto insurance companies give the discount no matter where you live.

9. Ask about other discounts. Some insurers offer discounted auto insurance quotes for insuring more than one car, having no accidents in three years, being a driver over age 50, taking driver-training courses, having antitheft devices and being a long-time customer. Plus, remember good-student discounts when you are insuring a student who drives.

10. Buy your home and auto policies from the same insurer. This will entitle you to a multiline discount.

11. Find out about group discounts. Sometimes group auto insurance policies are available through large employers, professional groups and other organizations.

12. Maintain good credit. Your credit rating may affect your car insurance rates. Use of credit scores in setting auto insurance prices varies by state and insurance company, but statistics show that drivers with good credit records tend to have fewer accidents.

Looking for auto insurance online? Visit Insure.com for an instant free quote.

Amy Danise is a staff writer for Insure.com. Visit http://www.Insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles and decision-making tools that are not available from any other single source. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant insurance quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.

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Most people, once they have an auto insurance company,
simply just let their current policy renew and renew without
checking to see if maybe they can get a better deal
somewhere else. If that describes you, maybe you would look
into exploring your options if you knew how and painless it
really is. This article will show you just how easy the
process is.

Shopping for a new auto insurance company
The easiest and quickest and as a result the most painless
way to shop for auto insurance is to go on the internet.
Many companies can give you quotes 24/7 on their websites.
You can also get contact information for a particular auto
insurance company on their site and call them up on the
telephone. When considering switching companies, the first
thing to do is to get comparison rate quotes from several
companies.

You do want to be very truthful about all your information
so that you can get accurate quotes. The company will find
out about any accidents, claims or traffic tickets anyway,
so don’t try to hide anything. Also, when you get
comparison rate quotes, make sure you compare the coverage
you have with your current auto insurance company to what is
available with any new company so that you can make a
comparison that makes sense.

How to switch
Once you have found a new auto insurance company and
purchased your new policy you must cancel your old policy.
If you don’t cancel your old policy the old auto insurance
company could assume you wished to continue your insurance
with them. They would be expecting to receive premiums from
you. When they don’t receive those premiums they would
eventually cancel your policy due to unpaid premiums and
report your lack of coverage to the Department of Motor
Vehicles of your state. This could affect your credit and
your ability to get a new auto insurance policy.

Canceling your old policy is easy.
Usually, all you need to do is to inform your old auto
insurance company in writing, telling them when you would
like the policy cancelled. They will then send you a form
to sign and return, which in effect will cancel your policy.

One thing to note
Do not cancel your policy from your old auto insurance
company until the insurance is actually in effect with the
new insurer. This way you avoid any lapse in coverage.
However, nowadays there is little chance of that happening.
Most states require all drivers to carry a minimum amount of
insurance and your old auto insurance company will probably
require you to show proof of insurance before they will
cancel an active policy.

When you switch is very important
The best time to switch to a new auto insurance company is
when the current policy is about to expire. When you
receive your policy renewal notice from your current auto
insurance company is the best time to switch. This is
usually about a month before the current policy is actually
going to expire. It is during this period when you can
switch insurers without incurring any fees or penalties.

Also, because it is so close to the end of the policy term
you would avoid trying to figure out the amount of unused
premium that you are due from your old auto insurance
company. You also avoid arguing with your insurance agent
about exactly when you cancelled and how much the auto
insurance company owes you.

But yes, you can cancel outside of the 30 day period
If after taking into account the fee or penalty you may have
to pay you may find that you still would get appreciable
savings. So, while it is best you switch within that 30 day
renewal period, you can actually cancel at any time.

Are you ready?
That’s all there is to it. Just think of all that extra
money that could be coming your way if you follow these
simple guidelines.

Joe Folger with his extensive insurance experience writes for Auto Insurance Company Info and further information about almost any particular auto insurance company. company can certainly be found there.

Cheapest Auto Insurance

Every one of us need to have our auto Insurance if we own a car, this is needed because the law made it compulsory for all car owners to get auto insurance to protect the driver and others while on the road. However, auto Insurance can be pretty expensive and you can be over-charged if necessary attention has not being paid for when you select your auto Insurance policy or company.

Under many circumstances, people complaint about being over-charged on their Auto Insurance. How can we tell if we have been over-charged soon enough for us to pull back from the current insurance plan and seek for alternative insurance policy which is reasonable?

There are several ways to tell if you have been over-charged on your auto insurance:

You may be a reckless driver and used to get summons for your bad driving or wrong parking a few years ago, at that time, let’s say your insurance premium is at USD1200 per year when you started the policy in 2006. Since then you have turned over a new leaf and did not offend any driving rules at all, but yet you are still being charged on the same Insurance premium in 2009.

You should get an auto loan insurer who is always there ready to reward their good customers by providing discounts to reduce their premium amount if their credit score improved.

Other than the premium amount, every month you are entitled to pay for some additional fees which you have not being informed of earlier by your insurance agent, such as maintenance fees, administrative fees and some type of maintenance fees which you do not think that you ought to be charged in addition to because you have been informed that all processing fees have been included into your premium cost when you enrolled for the plan.

You are found to be paying a much higher monthly payment as compare to some friends of yours, within your circle of friends, who own the same car model which were manufactured in the same year too.

If you came to be aware on any of the above lately, it is about time for you to “fire” your insurer and get yourself a better insurer who are concern and place high priority on their customer’s needs and conditions. A good insurer will always be there to look after your policy and to ensure your benefits are well -managed and focus on.

That is why it is so essential for one to take their time searching around for the right type of auto insurer ahead of time who places their customers’ benefits above all other things and who are there readily to help you whenever their assistance is required. The internet is a good place to search for your optimum auto insurer.

Other than that, you can take initiatives to ask around for advice, feedback, sharing and recommendation from your friends, family members or business associates in terms of their Auto Insurer and explore each of the pro and cons of the insurers.

By the end of the day, the key thing is that you need to make sure you get the right insurance plan from the right Insurance company from the beginning as ending the contract with them later might cause you certain penalty cost because most of these contracts can only be renewable on yearly basis.

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The Four Worst Ways to Save Money on Auto Insurance

Everyone wants to be economical. In fact, in today’s hard pressed society saving money has almost become a religion all its own. Unfortunately, it’s a religion that many people are taking to extremes-and harming themselves in the process-by buying in to the worst ways to save money on auto insurance.

Is there a worst way to save money on auto insurance? Absolutely! Like everything else out there, there’s a consumer savvy way to shop for auto insurance and there’s a not-so-savvy way to shop for it, and if you happen to buy into the not-so-savvy way you’re going to lose a lot more than you gain before you even know what hit you!

Since buying in to the wrong way to save money on auto insurance can cause lasting financial scarring, here’s a sneak peek at the four worst ways you can save money on your insurance:

1) Buying a policy from a company you don’t know just because it’s cheap. Yes, finding ways to save money on auto insurance is important (after all, there is that dream vacation to Fiji to think about!) but more important, much more important, is buying a policy that’s actually going to protect you if you get in an accident.

It’s a sad truth that in order to offer you affordable insurance coverage many auto insurance providers sacrifice quality at the altar of economy-and their policy holders pay the price. Isn’t it worth a little extra every month to make sure you’re protected from the things that go bump in the road?

2) Lowering your coverage levels. Yes, most states have a minimum required level of coverage, and yes, lowering your coverage to this minimum will save money on auto insurance; however, it also leaves you wide open to the long term financial havoc that getting in an accident without being properly insured can leave behind. Most experts recommend you carry a MINIMUM of $100,000 worth of liability coverage before hitting the highways.

3) Giving up the non-essentials. In many states collision, comprehensive and uninsured motorist coverage aren’t required unless the bank still has joint custody of your car, and many drivers are deciding that giving them up in the name of economy is a great way to save money on auto insurance; however, this leaves them holding the bill if their car is damaged in an accident they caused or they get in a tangle with Mother Nature (or an uninsured motorist).

Having more than the bare minimum level of coverage might put a little more pinch in your pocket in the short term, but in the long run your bank account and your assets will thank you.

4) Raising your deductibles. Yes, raising your deductibles is a good way to lower your insurance premiums-to a point. Once your deductibles pass the point at which you have no more money in your bank account and roll into “couldn’t pay that if my life depended on it” land it’s time to start looking for another policy. Many car insurance companies use deductibles to lure in new customers, only to leave them floundering after they’ve been in an accident when they realize they’re in over their heads.

Your auto insurance shouldn’t be a sink or swim proposition, so make sure you’re shopping savvy to save money on auto insurance the right way.

Michael McDonough is a National Account Representative for QuoteScout.com. For more information on how to save money on auto insurance, visit them on the web at http://www.QuoteScout.com

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Discount Auto Insurance – The Savings You Are Trying to Find

Any person may have trouble paying all of their bills because a lot of different bills can pile up and set anyone on a strict budget. This is why it can be important to make sure that all of a person’s bills are as inexpensive as possible because this will give them ability to make their money go even farther. Discount auto insurance can help with this because it will give anyone the chance to lower the amount they pay for auto insurance every month.

Discount Auto Insurance helps an individual to be able to get the minimum amount of coverage that they legally need in order to still be allowed to drive. When the person ends up paying for less coverage, the premium that they pay for their insurance every month will be much lower than what they would for full coverage. This will help them when it comes to having less to pay with their bills.

There are a number of discount auto insurance companies which exist who can help any person figure out what the lowest monthly payments can be. These companies will provide the smallest amount of coverage possible to these clients and they, in turn, will have the smallest possible payment offered toward their premium. This can go a long way every month when it comes to saving money.

Other auto insurance companies will often try to help a person lower their premiums by allowing them to reduce the amount of coverage they will receive. By taking away certain levels of coverage, a person can pay less for their premium every month and lower their bills. This will give anyone the chance to save a great deal of money over time.

When someone is lowering the amount of their auto insurance, though, they should make sure that they do not take away too much coverage to make them nervous about being on the road. When this happens, the person can become more skittish and be more likely to cause an accident. Discount auto insurance should not be taken so far as to make a person nervous about driving, though.

Cheap Auto Insurance can also come about from being a safe driver. If a individual can drive their car for a long period of time without being involved in any accidents, their auto insurance company will not have to use any money for payments. As a reward, the insurance company will often lower your rates because you are a good driver.

Discount auto insurance can be one of the biggest areas where a person may find themselves able to cut back on their bills. This will give these people the ability to still have important driving coverage but will also save them a great deal of money, especially as the months wear on. The lower payments will quickly add up in anyone’s checkbook.

Finally, discount auto insurance is a good thing because it encourages people to be safer drivers. It will force them to be more careful since they will not be covered as fully and people being more aware of safety while driving will benefit everyone on the road.

Written by Joe Welusz
If you liked this article you might like Joe’s website QuoteMatcher.com where you can get more Discount Auto Insurance tips to help you save money. By going to Joe’s site you’ll be able to get Cheap Auto Insurance by comparing multiple insurance quotes from local agents and large companies.

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There are many good reasons as of why one wanted to change their auto insurance provider, they may be due to:

- You have came across a new insurance company which is more competitive priced for the same policy as per what you are having now

- Your new company had this new auto insurance provider as the sole insurance provider for their employee’s vehicle. As part of their compensation and benefits for their staffs, certain percentage of subsidy will be paid by the company itself if its employee switched over to this new auto insurance provider.

Here please find some key tips on how and what to focus on for switching to a new auto insurance company;

1. Generally, if you have decided to change to a new car insurance company, you need to inform your exiting insurance company in writing on your wish of cancellation, its effective date and the reason why you wished to do so. The insurance company will then send you a cancellation request form which you need to acknowledge and send back within 1 week time. Check every detail on the form before the acknowledgment. Making sure that the old insurance policy has being terminated through the proper process is very important because any left-over of unsettled old insurance payment will badly affect your credit standing.

2. Ensure that you already have the new insurance policy in place and taking effect before you officially cancel the existing one. This is to ensure there is no time gap (not even for 1 day) between the new and the existing company for any unexpected incidents might happen between this lapse of time/day.

3. In some cases, the existing insurance provider might request the policy holder to present a proof of the new insurance policy before they actually endorsed for the cancellation.

4. The best time to switch the car insurance policy or car insurance company would be:

o The expiration date of the existing policy. Normally a renewal notice will be sent out to you as reminder for payment before the new policy begins.

o You may cancel your car insurance anytime where you will get the balance of the premium returned to you by pro-rated. There is certain advantage of switching your policy before the renewal date as it will save you lots of money and this is especially true if you have some previous driving records such as accidents or traffic tickets.

In a nut-shell, every one of us need to regularly review our auto insurance coverage to be assured that our policy is up-to-date and we are getting it for the best value for our money spent. It really pays to shop around and compare the available car insurance providers with their available policies and coverage. It proved to be worth-while as this is the only way to avoid ourselves from falling into any of the auto insurance scam.

Anyone who had happened to select the wrong insurance provider will end up having to fix the damage done which is miserable and problematic. Therefore it is extremely essential to make sure we pay 100% attention to every details regarding auto insurance when it comes to car insurance coverage selection.

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The auto insurance industry is more competitive today than it has ever been before. This amounts to excellent benefits for consumers, as long as you know how to shop smart and negotiate. Auto insurance rates vary depending how much coverage you get, your driving record, what kind of car you are covering and any special discounts that you may be eligible for. In order to maximize your savings on your auto insurance rates, be sure to follow these guidelines:

1. Compare Car Insurance Rates Before Buying a New Car

Any savvy shopper knows that the true cost of owning a vehicle goes above and beyond the amount you pay at the dealership. Certain cars are more expensive to insure. Auto insurance agencies determine premiums based on your car’s price, its overall safety record, the likelihood of theft and the cost to repair the car. For example, a foreign sports car will have much higher car insurance rates than a low-key domestic sedan that can be serviced at almost any garage. Factor this into your decision before you buy.

2. Increase your Deductible

Higher deductibles will expose you to greater liability if you are in an at-fault car accident but it will save you money on your monthly premiums. If you can go for a long period of time without an accident, bumping up to a $1,000 deductible can easily pay for itself over the years.

3. Seek out Special Discounts

Your situation may qualify you for special auto insurance prices. For example, if you are an infrequent driver, have an excellent driving record or belong to a professional association, you may {{{be able to get a significant reduction in your monthly premium without cutting back on your coverage. Go ahead ask your car insurance company if you qualify.

4. Consider Reducing Coverage on Older Cars

All states require that you have a certain amount of auto insurance in order to drive legally. However, if you drive an older car with a low Kelly Blue Book value, then it may not be cost effective to have it fully covered. You can save on monthly costs by reducing your coverage.

5. Shop Around

The absolute best way to find competitive vehicle insurance rates is to shop around. Even if you already have a vehicle insurance plan, you may be able to save money by moving to another company. With easy-to-use resources readily available on the web, you can quickly survey the current offers from local auto insurance agencies as well as nationwide insurers. In fact, drivers that have gone for years with the same plan are most likely to be overpaying for auto insurance. Seeing what other companies have to offer certainly can’t hurt – especially if you do it from the comfort of your home.

Gabe Mata is an online insurance quotes authority. Compare Online Car Insurance Low Quotes from Online companies or agent at LocalCarInsurance.net. Your resource for New Car Insurance Information.

Reasonably priced auto insurance policy

Great Auto Insurance Tips and Techniques

When searching for cheap online auto insurance make sure that you know that cheap only means not that costly and in no way shape or form should be misunderstood as just cheap. Any auto insurance agency that advertises only cheaper rates needs to be examined very closely as some are along the lines of either you will pay for those upfront cheap rates or the cost of doing business cheaply will be discovered through the life of the policy. This is not to say that all cheap online insurance quotes especially a great car insurance quote that has a lower cost than what you’ve seen recently is a terrible insurance provision. This is only to say that when insurance prices are drastically lowered for car insurance normally what happens is one area suffers. This could be the valuable and almost priceless effects of a very good customer service staff reduction or worse, a late or non-existent claims payment!

Flow of Like-Minded Online Insurance Companies

A great way to find cheap online car insurance and know that you are not getting taken for a ride is to search and search often. Grab a pen and paper and when you go from online insurance agency to online insurance agency or brokerage firm take notes and then sit down and take a look at all those notes when all is said and done. What you’ll see is that there will be a flow of like-minded online insurance companies each falling within $10-$25 for the average auto insurance quotes and auto insurance policy prices. Every now and then you will see a dip in the premiums for the online vehicular insurance quotes and you need to circle those and head on to the next entry. After you have looked through all your notes from the excursion onto the Internet in search of the cheapest auto insurance premiums you’ll then know exactly what we are referring to when we see that cheap is not always the best way to go for auto insurance.

Deeply Discounted Real Live Viable Savings

Another great way to save money on your car insurance online is developing a system in which you understand exactly what you need out of your online insurance needs and are ready willing and able to go out there and receive that deeply discounted real live viable savings. The world of cheap online auto insurance is awash with agents and carriers that only see the bottom line and don’t see the forest through the trees.

Robert (Bob) Malhotra is an automobile insurance professional in the United States. if you are searching for only the best in Texas auto insurance quotes then please visit his site at http://www.discounttexasautoinsurance.com.

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How to Get a Cheap Commercial Auto Insurance Quote

When you hear the phrase “cheap auto insurance,” your mind will immediately be bombarded with important questions. Will there be enough coverage if an accident occurs? Does buying cheap auto insurance mean I’ll have to avoid certain policies or sacrifice quality of service? Will my entire family be covered including my teen driver? Thanks to online resources and companies offering competitive rates, you can now find cheap car insurance while still getting appropriate coverage. Here are some tips to consider.

Online Benefits for Insurers

One reason you can now find more sources for cheap auto insurance is the availability of online advertising venues for insurers. Insurers are now able to advertise for much less and reach a broader audience than ever via the Internet. This means that even top-name car insurance companies can advertise for less, and in turn offer lower rates. As more customers are added, insurers may feel more confident in offering low rates. Insurers also enjoy the benefit of being listed on online comparison sites, which give consumers a run-down of which companies offer the best coverage at low rates.

Insurers can advertise through their own website for far less than newspaper, billboard and television marketing. Even pay-per-click search engine marketing and e-zine advertising offer amazingly targeted results for affordable car insurance companies. All these money-saving venues can result in cheap car insurance for you.

Online Benefits for Car Insurance Seekers

As a car insurance seeker, you can benefit tremendously by using online resources to shop around. Compare 10 to 12 insurers in a flash using an auto insurance comparison online. Comparison and quote sites give you crucial information about the company, its policies and coverage, and pricing. You can enter your information such as age, type of car, where you live, etc. and quickly gain access to valuable facts to help you make an informed decision. You’ll be able to compare some of the top insurers in your state or region without having to call or visit each individual company.

If you find an insurer you’d like to work with, you can even sign up for a policy directly online with many companies. This works great if you’re too busy to visit the physical office. Being online also enables you to research each company thoroughly before signing on. If for some reason you have a bad feeling about a company, you can likely find detailed reviews through a simple online search. The Better Business Bureau Online can help you discover which companies handle customer service and claims promptly. Try e-mailing or calling the company directly to ask questions. Notice how quickly you receive a response. Think about it! A company that will not respond when you’re first signing up as a new customer is not likely to respond when you have a claim.

Making a Difference with Choices

The choices you make personally can greatly affect your car insurance. Choose a family sedan with all the latest safety features instead of a sports car. Add your teen son or daughter to your policy instead of buying them a new car with separate insurance. Keep up with the latest changes in your policy to be sure it’s the coverage you need. Opt for safe driving classes for your teen driver to enjoy discounts on their insurance. Also, keep speeding tickets and other traffic violations to a minimum. Just one speeding ticket can make your car insurance increase drastically. Be safe and follow the rules of the road, and teach your young driver the same.

Opting for a greater deductible can also help you obtain cheap auto insurance. For example, a $1,000 deductible policy will usually cost less than one with a $250 deductible because you’re assuming more of the risk. Also, you may choose to drop your collision insurance and keep only minimum liability required by your state once your car debt has been eliminated through your lender. Other factors that can affect your rates include age, where you live, your credit score, school grades (for teens), and how long you’ve been insured with a particular company.

As you can see, buying cheap auto insurance doesn’t necessarily mean you have to give up quality and peace of mind. Insurance companies with higher rates are not always the best, and those with lower rates aren’t always the worst. That’s why you should take a little time out and research companies online to find out what they offer and read reviews from other users. Browse insurers’ websites and compare policies and rates. This is the smart way to keep your sanity while finding car insurance to fit your budget!

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web.
Learn more about Cheap Auto Insurance.

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