Рассказ года

27 комментариев: Рассказ года

  1. DIMA_Sex говорит:

    Хочу рассказать некую историю, которая произошла со мною. А дело было в душевом помещении Екатеринбургского вокзала. Мой поезд прибыл на станцию Свердловск-пассажирский утром в семь часов. Я сошёл с поезда. Утро было тёплым, дул мягкий ветерок, ласкающий тело. Я на миг подумал, что ко мне притрагивается нежная рука девушки. Мой член немного налился силой вожделения… Сразу отправился в душ, который расположен на вокзале. Оплатив вход, я вначале посетил туалет, затем подошёл к последней кабине от входа. Дверь была открыта. Я вошёл в кабинку. Дверь сразу не закрыл. Стал раздеваться, вернее сказать, снимать последнюю одежду, так как в кабину я вошёл уже сняв футболку. Быстро сбросив с себя бриджи, я оказался нагим (трусов или плавок на мне не было). Моё подкаченное тело очень желало обливания холодной водою. Сделав сначала тёплый душ, я встал под поток воды, затем постепенно я начал отключать горячее водоснабжение. Холодный поток окутал меня, я почувствовал некое облегчение после многочасового пребывания в душном вагоне поезда. Вытершись мягким полотенцем, я решил минуты две подождать, затем принять душ в моющем смысле. Повернувшись лицом к двери, я обнаружил, что забыл затвориться. Дверь открыта была. В противоположной кабинке я заметил молодого человека, который стоял и смотрел на меня. Стеснение охватило меня, почувствовал, как лицо наполняется красной краскою. Паренёк стоял в своей кабинке, держа в руке полотенце. Вначале он держал его так, что его пах был прикрыт. Увидев, что я обратил на него, он убрал полотенце в сторону. Я увидел, что его член был полустоячим. Я на миг моё внимание заострилось на размере его члена. Меня охватило незнакомое чувство, которое привело меня в смущение. Я вышел из кабинки, чтобы взяться за ручку двери, дабы закрыть эту дверь.
    «Нравится?», — похвастался своим орудием. «Не у каждого такой имеется». «Заходи ко мне», — приглашение было соблазительным.
    Я сказал, что хочу в своей кабинке мыться в одиночку. Стал закрывать дверь. Но кто-то придержал её с другой стороны. Я попытался усилить натяжение. Но дверь откатывалась назад. Я заглянул за неё. Там, за дверью стоял паренёк, как две капли воды похожий на первого. «Двойняшки», — подумал я. «На твоём месте я бы так не делал», — сказал я ему. Парень отпустил дверь. Но он был голым, его член не меньше, чем у его брата. Я так же на миг остановил свой взгляд на члене его. Его член дёрнулся вверх, я понял, что этот молодой человек возбуждается при виде меня. Первый из братьев в это время подошёл ко мне, потянув меня за руку, он втащил меня в их кабинку. Я опешил от такого внимания ко мне, но в какой-то момент я почувствовал, что сам этого хочу. Миша (второй брат) закрыл дверь на засов. Я оказался в закрытой душевой кабинке с двумя красивыми парнями. Их тела так же были спортивными. Кожа на их телах была прекрасного вида.
    «А что, если мы тебя поебём?». Я попытался вырваться от них. Но Миша обнял меня крепко и предупредил: «Нас двое, с двоих не осилить тебе. Так давай, целку тебе сломаем». Почему-то от таких слов мой член стал подыматься, дыхание стало учащённым. В тот момент я не понимал, что происходит. Миша держал меня крепко, губами почти касались друг друга. Рома подошёл сзади ко мне, погладил меня по ягодицам. Я почувствовал, как ток ласки подступил к моим гениталиям. Членом он упёрся в мои ягодицы, стал по промежности водить своим пенисом.
    «Не надо», — я сопротивлялся новому чувству. «Ты замолчи, пидор. Сейчас выебем, отпустим.
    Рома потащил меня под струю воды. Оба мы стояли под ней. Роман стал целовать меня губы. Его губы были настоль сладки, что я отвечал взаимностью, сам не понимаю, что делаю.
    Затем Роман встал на колени, взял в рот мой вставший член. Начал с головки, затем ввёл его полностью себе в рот. Миша тем временем намазывал свой член какой-то смазкою. Пригласив меня к стулу (в кабинке был стул!), Миша поставил меня так, что я оказался ягодицами к двери. Оперявшись на спинку стула, я в полусогнутом состоянии встал в позицию. Миша намазал анал смазкою. Членом стал водить по промежности. «У тебя было когда-нибудь с парнем?». «Нет». Миша стал массировать анал пальцем. Затем, встав на колени, он языком стал делать мне приятное. Я стонал от его прикосновений. Затем он встал. Его пенис потихоньку стал входить в меня. «А-а, больно». «Ты расслабься. Потом приятно будет». Миша полностью вошёл в меня. Ничего не делая, он держал свой член во мне не подвижно. Я чувствовал боль, которая утихает с каждым импульсом его пульсирующего пениса. Миша сделал небольшой толчок вперёд, как насаживая меня на хуй. Я стерпел возникшую снова боль, так как стал чувствовать, что нравится мне, когда меня имеют. Миша обнял меня за талию. Нежно стал делать движения. Рома, встав на колени на стуле, пихал свой член мне в рот. «Соси». Я отвернулся. «Соси, сука». Он засунул хуй мне в рот. Я стал облизывать его, сосать.
    Потрахав немного меня, Миша вынул свой член из меня. Рома тоже вынул свой из моего рта. «Давай, вставай раком. Мы тебя поочереди отъебём». Я встал в позицию. В этот раз трахать меня в задницу решил Рома. Его член был чуток тоньше. Рома вначале ввёл залупу. Поделал движения. Мне было приятно очень от таких движений. Я стал стонать от удовольствия. Моё тело от ягодиц до груди горело от желания парня. Мне хотелось насадиться глубже на член каждого из присутствующих молодых красавцев. Хотя такое рандеву было впервые, я всем своим существом чувствовал, будто это не первый раз. Оно и понятно, как отказаться от прекрасных красивых парней, как были эти двое. Я не мог сопротивляться их красоте и привлекательности, сексуальности и обаятельности. Рома постепенно убыстряя темп, стал глубже меня насаживать на свой член. Я подмахивал ему, что ещё больше усиливало результат контакта близости и удовольствие. Я трепетал от напора Ромы. Шлепок, раздававшийся между пахом Ромы и моими ягодицами, был громким. Этот звук ласкал слух. Рома от удовольствия вскрикивал. Вдруг я почувствовал некое блаженство в попе. Рома стал спускать в меня. Я чувствовал, как сперма вливается в меня, принося наслаждение. Я был пронизан всем телом энергией секса с парнем. Рома спустил в меня около четырёх струй. От каждой струи я стонал, нанизываясь попой на пенис Ромы. Тот, в свою очередь, совершал последние толчки, углубляясь дальше вовнутрь меня. Обняв меня крепко, Рома был во мне ещё минуту. Его член пульсировал. Я чувствовал каждого движение его пульсации, ток наслаждения проходил волнами через меня. Почему-то я хотел ещё! Рома вынул свой член из меня. Сперма его потекла по моим ногам, частично оставаясь на анусе и в нём. Недолго думая, Миша вошёл в меня. Резкими толчками он стал меня иметь. Но имел не долго. Вышел из меня. Лёг на спину. Я сел ему на член. Прыгая на члене Миши, я продолжал получать удовольствие от секса. В это время Рома совал свой член Мише в рот. Миша сосал член профессионально. Я, видя это зрелище, ускорил темп «скачки» на хую. Миша кончил быстрее, чем Ромик. Струя спермы снова вливается в мой пространство. Миша приподниматься стал своим пахом. Не сразу я слез с хуя Миши. Продолжал ловить кайф. Сидел верхом ещё минуту. Рома в это время спустил Мише в рот. Миша сглотнул сперму. Я слез с Миши.
    Через пару минут мы строём стали мыться. Воспользовавшись предметами туалета братьев, я с удовольствием с ними провёл время помывки. Мы мыли друг друга, весело смеясь. Хлопали по попке. «Тебе понравилось?». «Да», — ответил я. «Но ведь ты же теперь пидарас», — сказал Ромик. «Но ведь ты хуесос», — ответил я. Он улыбнулся. Помывшись, одевшись, мы втроём вышли наружу здания. Погода была чудесной. Зайдя в магазин, мы приобрели пиво и вкусности под него. Решили провести день вместе. В Екатеринбурге у них была пересадка. Поезд их прибывает вечером. А мне спешить было некуда. Зайдя в парк, мы расположились на скамье пред фонтаном. Шло время мы пьянели. Несколько раз, как и полагается, мы бегали в кусты для сливания. На почти «пьяную голову», решили сходить на фильм в кинотеатр. Фильм имел элементы близости двух парней (удивительно, что показ такого фильма приходился не на ночное время). Во время этой сцены меня погладил Миша. «Ты классный малец». (Я был младше их на лет так 5. А мне тогда было 19). Я принял это высказывание как комплимент и улыбнулся в ответ. «Пойдёмте, поссым», — предложение Ромы мы приняли на заметку и отправились все в туалет. Там мы вошли в одну кабинку. У всех во время мочеиспускания члены стояли. Мы смеялись над собой и над тем как мы умудрялись сливать. Фонтаны из хуёв попадали на наши лица. Хорошо, что в туалете в то время никого не было. Вдруг Миша склоняется и берёт мой член в рот. Он делал мне минет очень профессионально. Я дрожал от его ласки. Рома в это время «всадил» Мише «по самые яйца». В кабинке мы провели всего примерно 7 минут. Конечно, будучи пьяными и расслабленными, мы вели себя не тихо. Я стонал от наслаждения от минета Миши. Рома произносил: «О-о! О-о! Давай, братец, насаживайся.» Во время стонов в туалет вошли два парня, тоже подвыпившие. Они слышали наше общение. «Слышь, Колян. Бабу, что-ли ебут». «не наше дело». В это время Рома спускает в Мишу. Оба стонут от наслаждения. «Слышь, Колян. Похоже, что пидарасы присоседились». «Не обращай внимания». Мы, закончив, дело близкого общения, вышли из кабинки. Я вышел первым на ходу, застёгивая молнию бридж. Думал, что те парни ушли, но они стояли вне кабинки в туалетном помещении и целовались. У одного из них были стянуты спортивные штаны, его член упирался в ногу партнёра. Заметив нас, они сказали нам: «Либо присоединяйтесь, либо валите». Мы решили уйти. Дверь туалета оказалась закрытой изнутри (какой идиот позволил оставить в туалете действующий засов?). «Эй, вы, педики! Может пососёте у нас?». Не ответив ничего мы отправились на продолжение фильма. Эти парни вернулись в зал спустя 20 минут. Скорее всего, трахнуться успели. Они присели через некоторое время к нам. Один из них протянул мне руку. «Колян». «Дима», — ответил я. Пожав каждый друг другу руки, мы, познакомившись, таким образом, соединились в общении. Нас стало пятеро. Фильм кончился. Мы гуляли по городу, направляясь к вокзалу. Мише и Роме пора было отправляться к поезду. Я, Колян, его друг Тима решили проводить наших путешественников до вагона их поезда, следовавшего до Серова. Наша совместная пятитоварищеская прогулка продолжилась почти три часа. Прикалывались друг над другом. Иногда «щупались». В нелюдных местах целовались кто с кем. Прогулка сопровождалась распитием пива. Как нас не загребли пенты (по старому – менты)? Повезло, просто. Время расставания. Мне Миша и Рома вручили их номера телефонов. «Звони. В гости пригласим». Я жил в то время в Краснотурьинске. Думаю: «Приеду к ним». Поезд тронулся. Я и двое новознакомых отправились в город. Так как я уже опаздывал, мне в 18 часов нужно было быть в гостинице на встрече с торговым партнёром, то вскоре решили расстаться, наши пути расходились. Я пригласил Колю и Тиму к себе в номер после одиннадцати часов. Но они отказались, сказав, что будут заняты. Телефонами не стали обмениваться. Зачем? Нас ничего не связывало. Занявшись делами с маркетинговым торговым представителем, я смотрел на него взглядом таким, что его товарищ заметил во мне желание соединиться с ним (представителем). Меня это смутило, и я отбросил все мысли посторонние. Закончив беседу-презентацию, я отправился спать.
    Утро меня встретило солнечным лучиком и ветерком мегаполиса. Нежно потянувшись в кровати, я почувствовал мление в теле и боль в анусе. Боль была такой приятной, что я дотронулся пальцем до анала, почувствовав некоторую усладу. Приняв ванну, и обработав тело специальной мазью, которую мне подарили братья, я решил спуститься в ресторан. Позавтракав салатом из креветок; мидиями в томатном соусе, я отправился в город в фирму, в которую пригласили меня маркетологи. Идя по улице, я чувствовал приятную боль в попе. После посещения офиса, я вернулся в номер. Я прожил в гостинице 7 дней. Хорошо, что проживание оплатила фирма. В знак этого я вложил в неё 50 000 рублей, что в последствие принесло мне прибыль. Эти дни я был занят торговыми занятиями в фирме. Гуляя по городу в свободное время, я надеялся, что встречу моих новознакомых. Вскоре я выехал обратно в Краснотурьинск на такси. Через пять лет, накопивши капитал благодаря дальнейшим вложениям в фирму, я купил однокомнатную квартиру в N городе, недалеко от Екатеринбурга.
    За пять лет я встречался с Мишей и Ромой всего 3 раза. Сексом мы не занимались. Братья решили бросить это дело. Просто гуляли и весело проводили время. Могли мы встречаться чаще, даже жить вместе, как просто товарищи, но, несмотря на мои интересы, я женился, и у меня родились два сына. Некогда было «шастать» по друзьям-гомосексуалистам. Жена до сих пор не знает мои тайные интересы, хотя я был любовником её брата. Эта тайна до сих пор остаётся не открытой.
    Однажды, не предполагая такого разворота событий, я случайно встречаю Рому… Но это другая история, которая имеет начало спустя почти пять лет!
    Если интересна моя новая история, пишите мне Vladyk Sperm в VKontakte.

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  4. togutolob673 говорит:

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    VIAGRA is a prescription medicine used to treat erectile dysfunction (ED). You will not get an erection just by taking this medicine. VIAGRA helps a man with ED get and keep an erection only when he is sexually stimulated.*

    VIAGRA is not for use in women or children.

    It is not known if VIAGRA is safe and effective in women or children under 18 years of age.

    ED happens when not enough blood flows to the penis, preventing an erection. ED is the medical term for difficulties getting and keeping an erection. It is a sexual health problem that affects about 30 million men. Please ask your doctor or healthcare provider to get more information about your specific symptoms.

    ED is often caused by something physical, such as a disease, injury, or side effects from other drugs. Diseases most commonly associated with ED are high blood pressure, high cholesterol, and diabetes. Some lifestyle and psychological factors can also play a role in causing ED, such as smoking, drinking, stress, and depression.

    You can talk with your regular doctor. Or you can talk to a specialist, like a urologist. Either one can prescribe VIAGRA if they decide it’s right for you.

    VIAGRA works for men with ED by increasing blood flow to the penis so you can get and keep an erection hard enough for sex.* VIAGRA only works when you are sexually stimulated. It has been proven to help guys with all degrees of ED. VIAGRA usually starts to work within 30-60 minutes. And you only take it when you need it.

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    VIAGRA can cause serious side effects. Rarely reported side effects include:

    an erection that will not go away (priapism). If you have an erection that lasts more than 4 hours, get medical help right away. If it is not treated right away, priapism can permanently damage your penis.
    sudden vision loss in one or both eyes. Sudden vision loss in one or both eyes can be a sign of a serious eye problem called non-arteritic anterior ischemic optic neuropathy (NAION). Stop taking VIAGRA and call your healthcare provider right away if you have sudden vision loss in one or both eyes.
    sudden hearing decrease or hearing loss. Some people may also have ringing in their ears (tinnitus) or dizziness. If you have these symptoms, stop taking VIAGRA and contact a doctor right away.

    The most common side effects of VIAGRA are headache, flushing, upset stomach, abnormal vision, such as changes in color vision (such as having a blue color tinge) and blurred vision, stuffy or runny nose, back pain, muscle pain, nausea, dizziness, rash.

    In addition, heart attack, stroke, irregular heartbeat and death have happened rarely in men taking VIAGRA. Most, but not all, of these men had heart problems before taking VIAGRA. It is not known if VIAGRA caused these problems.

    Tell your healthcare provider if you have any side effect that bothers you or does not go away.

    No. There are lots of treatments that claim to be “herbal VIAGRA.” They can be found online or even at some drugstores. But there’s no such thing as “herbal VIAGRA.”

    The FDA has never approved any form of “herbal VIAGRA” as a treatment for erectile dysfunction. Plus, these treatments can be fake or unsafe. Many have been recalled.

    There’s only one VIAGRA. You can only get it by prescription from your doctor or healthcare provider.

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    Getting into Online College

    Deciding to pursue a higher education can be one of the most important decisions you can make in your life, and now you can join the droves of people who are choosing to do so without ever stepping foot on a college campus. Online schools are a good choice for highly-motivated individuals looking for a program that offers them the flexibility of learning at their own pace, said Anjit Bose, a faculty member at the University of Phoenix. But while learning online can be an added convenience in your life, it’s also important to be aware of the challenges it can bring.

    Other criteria for admission may involve meeting minimum requirements concerning GPA, test scores, work experience, or even age. Many schools have a minimum GPA requirement that applicants must meet to be automatically accepted. According to Liberty University’s website, students need to have at least a 2.0 cumulative combined GPA for all accredited colleges attended or for high school. Those who have a lower GPA can speak with an enrollment specialist to see what can be arranged as other options may be available.

    Hoback said the rolling admissions policy at Ashford University made it easy for her to begin working on a degree almost immediately. “Courses start every Tuesday, so I was scheduled to start my undergrad and graduate programs in time to receive my first book in the mail,” she explained. “I started my undergrad three weeks from the application date and I started my grad program one week after application.”

    Students at Kaplan University are on a quarterly system, with quarters representing a 10-week term and beginning each month, said Yolanda Thomas, admission advisor at Kaplan Online Thomas. The Kaplan University Calendar has four tracks, A, B, C, and D, that students are assigned to follow depending on their program and class start date. Tracks do not impact admissions and may differ in regard to term length, breaks, and important dates.
    Know an Advisor

    Those interested in applying to an online school often have the option to request for an admissions advisor to contact them directly to provide further information about the school and evaluate their eligibility over the phone. After Hoback realized that Ashford University was where she wanted to pursue a degree in organizational management, she visited its website and used the “chat with an advisor” option to communicate with an admissions representative in real-time.

    http://www.onlinecolleges.net

    “If one can get an honest, anonymous, review of the school’s program from the instructors, they will have something real by which to make a choice,” she said. “It is my experience that teachers and professors in high quality academic institutions will be honest about the program and whether it is the

    right place for any given student. Ask them if they would have attended that school. If the answer is no, go somewhere else.”

    According to Cavanaugh, advisors would also obtain information about their educational background, including type of education they have completed, whether or not they had attended college in the past, how many credits they may have earned, and if they have already earned an associate degree. After obtaining information concerning a prospective student’s academic interests, desires for the future, and motivation to improve their lives through education, advisors then take steps toward helping them apply, said Cavanaugh.

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    When shopping for an auto insurance policy you’ll find that most car insurance companies offer six-month policies instead of 12-month policies. Why do auto insurers prefer six-month policies?
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    The main reason that the majority of car insurance carriers offer motorists six-month policies is that it allows the insurers to reassess risk and review drivers’ rates without waiting a full year.

    By offering six-month policies, car insurance companies have the flexibility to update your information twice a year instead of just once and adjust rates accordingly each time if need be.

    Life changes affect your car insurances, as do other situations that can easily occur in a six-month period — such as traffic violations or auto accidents. Some of these events will raise your premium, while others can lower your car insurance rates, and insurers want to know about all of them.

    An accident, a ticket or multiple of either will normally raise your rates. But, on the flip side if a ticket or accident falls off your driving record, then your rates may be lowered since a surcharge may be removed.

    A new job or retirement can change your auto insurance rates, but is something you may neglect to inform your insurer about.

    If your commute is longer, then there is more of a chance for you to be in an accident and increase your premium. Retiring and putting fewer miles on your vehicle could save you money with a low-mileage discount.

    Having just one life event in a six-month period could affect your rates, but you could easily have several occur. Having a shorter policy period allows insurers to pull reports and make certain the driver’s profile and vehicle information is accurate and that its assessment of the policy risk is still correct.

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    Do not take CIALIS if you: Take medicines called “nitrates” such as isosorbide dinitrate or isosorbide mononitrate, which are often prescribed for chest pain, as the combination may cause an unsafe drop in blood pressure Use recreational drugs called “poppers” like amyl nitrite and butyl nitrite Are allergic to CIALIS or ADCIRCA® (tadalafil), or any of its ingredients. Call your healthcare provider or get help right away if you experience any symptoms of an allergic reaction, such as: Rash Hives Swelling of the lips, tongue, or throat Difficulty breathing or swallowing
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    After taking a single tablet, some of the active ingredient of CIALIS remains in your body for more than 2 days. The active ingredient can remain longer if you have problems with your kidneys or liver, or you are taking certain other medications.

    Stop sexual activity and get medical help right away if you get symptoms such as chest pain, dizziness, or nausea during sex. Sexual activity can put an extra strain on your heart, especially if your heart is already weak from a heart attack or heart disease.

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    Seventy-two percent, 80%, and 85% of the patients on 25 mg, 50 mg, and 100 mg of VIAGRA, respectively, achieved erections hard enough for sex, compared to 50% on placebo. Also, men taking VIAGRA showed an improvement in their ability to get and keep an erection versus those who took placebo.
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    Do not take VIAGRA if you:

    Take medicines called “nitrates” (such as nitroglycerin)
    Use street drugs called “poppers” such as amyl nitrate or amyl nitrite, and butyl nitrate
    Are allergic to sildenafil, as contained in VIAGRA and REVATIO, or any of the ingredients in VIAGRA. See the Patient Information for a complete list of ingredients in VIAGRA.

    Tell your healthcare provider about all the medicines you take, including prescription and over-the-counter medicines, vitamins, and herbal supplements.

    VIAGRA may affect the way other medicines work, and other medicines may affect the way VIAGRA works, causing side effects. Especially tell your healthcare provider if you take any of the following:

    medicines called nitrates
    medicines called alpha-blockers such as Hytrin (terazosin HCl), Flomax (tamsulosin HCl), Cardura (doxazosin mesylate), Minipress (prazosin HCl), Uroxatral (alfuzosin HCl), Jalyn (dutasteride and tamsulosin HCl), or Rapaflo (silodosin). Alpha-blockers are sometimes prescribed for prostate problems or high blood pressure. In some patients, the use of VIAGRA with alpha-blockers can lead to a drop in blood pressure or to fainting
    medicines called HIV protease inhibitors, such as ritonavir (Norvir), indinavir sulfate (Crixivan), saquinavir (Fortovase or Invirase), or atazanavir sulfate (Reyataz)
    some types of oral antifungal medicines, such as ketoconazole (Nizoral) and itraconazole (Sporanox)
    some types of antibiotics, such as clarithromycin (Biaxin), telithromycin (Ketek), or erythromycin
    other medicines that treat high blood pressure
    other medicines or treatments for ED
    VIAGRA contains sildenafil, which is the same medicine found in another drug called REVATIO. REVATIO is used to treat a rare disease called pulmonary arterial hypertension (PAH). VIAGRA should not be used with REVATIO or with other PAH treatments containing sildenafil or any other PDE5 inhibitors (such as Adcirca [tadalafil])

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    Your budget demands cheap car insurance… but what good is an affordable policy if it doesn’t cover all your needs?
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    Fortunately, you can have both – great value from reputable providers. The key to affordability is through lower premiums. CarInsuranceQuotes.com is here to help with these tips:

    Go Shopping- The single biggest way to get the cheapest car insurance available is through price comparison. We recommend doing this at least once a year using our quotes tool. Just enter your ZIP code and basic information about yourself and we’ll connect you to car insurance companies that will send you quotes within minutes. You’ll want to compare at least three different quotes before you decide on the car insurance policy best for you.

    Raise Your Deductible- A great way to get cheap car insurance premiums is by raising the deductibles they are willing to pay. By raising your deductible from $500 to $1000 you can lower the premiums you pay by up to 40 percent.

    Bundle Policies- An easy way to lower your rate is by combining your car and home policies. Many insurance providers offer discounts you buy coverage for both through a single company.

    Stay Close to Home- The less you drive the less chance you have of being involved in an accident. Insurance companies understand this and offer lower rates to people who use their vehicles less. So, if you are looking for cheap car insurance, it may be wise to walk the two blocks to the store instead of driving.

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    Comprehensive car insurance usually comes with a deductible. This is the amount you pay yourself before insurance money is paid. Most insurance companies start you with a $500.00 deductible. You can request to raise your deductible to $1000.00 or even more. That could lower your auto insurance bill significantly, but cost you more when you make a claim.

    Many of us know we have to have car insurance in order to get our license and tags. However there are some that don’t really understand the actual policy or how it works to protect us. There are also different requirements for having a loan or lease on a vehicle rather than just owning it out right. Insurance companies ask a lot about our daily lives such as how we use the car, where we park it, and other aspects of driving to ascertain the risk we might pose to the vehicle they are covering.
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    Car insurance works in that we choose a level of coverage whether it is just liability or includes comprehensive and collision. There is also a choice in the amount of actual coverage regarding motorist, uninsured motorist, and medical. The amounts and type of coverage you choose is what will determine the premium you will pay on a month to month, six month, or yearly basis depending on the terms of your policy.

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