Whenever you pay for a new car, either brand new or later model, you do not need extra policy such as car repair insurance packages since it's typical to have manufacturer's warranty. That warranty mostly lasts for about 3 to 5 years. But how do you think that you will be affected if you are driving older car? Or perhaps a car with no remaining warranty in it? What do you plan to do about it? A lot of car owners do not realize the importance of this extra insurance package and auto repair insurance cost becomes secondary when you talk about the benefits it provides. From the moment that your car warranty expires, auto insurance should protect you from expensive car repair costs. Auto Breakdown Insurance Cost - How to determine? Most car owners do not like the idea of extra auto breakdown Insurance Cost when buying a car. But you have to know that the standard policy on auto insurance you use in legally acquiring a vehicle to drive does not cover repairs. There are times that comprehensive coverage and collision is included in the policy, but still it does not cover needed repairs on worn or failing parts. Although repairs are covered by a warranty, the problem will begin when it expires. This is when auto repair insurance becomes advantageous to car owners: what is not in general covered by your standard car insurance policy will be covered by auto repair insurance. But wait. What is really the cost of auto repair insurance? If you would like to get a clear answer, read the succeeding paragraphs. Getting a Car Repair Insurance Quote Bear in mind that cost varies from one insurer to another. This is the reason why it is very important for you to get a car insurance quote. By doing this, you will be able to know how much car insurers charge their car repair insurance. Another importance of getting a car insurance repair quote is that you will be able to compare the insurance costs of different companies, so you can save a high amount of money. However, requesting for an insurance quote would not just be as easy as 123 because car repair insurance companies rely on some information that would serve as the basis in order for you to be provided with the right insurance quote designed for you. That basically includes: - The model and make of your vehicle. - Your driving history and age. Among all these pieces of information, the number one factor that greatly influences the auto breakdown insurance cost is your age. The younger you are, the more expensive your payment for the insurance would be. Your driving record will also affect the amount you have to pay for the auto breakdown insurance because the more accidents you got involved with, the higher the amount you have to pay. Of course, if you are a good driver, you will be able to get more rewards and you just have to pay a minimal amount for the policy. Most of the time, you will see that the offered rates change dramatically from one insurer to another, and you might wonder why. Well, this is because of the fact that every car repair insurance provider has their own qualifications and requirements. So, as long as you obtain a quote for car repair insurance, you will not be exposed to the risk of making the wrong decision in availing the insurance service of the wrong insurer. Now that you already know how to get a quote, you should discover the truth about car repair insurance estimates. The Truth About Auto Breakdown Insurance Estimates Auto breakdown insurance estimates need to be obtained if you have been involved in an accident because you can use it to get your insurance money. However, in order to make this possible, you have to follow what is indicated in the car insurance policy. If the vehicular accident wasn't your fault, you can submit car breakdown insurance estimates for damages to the company that handles your insurance or to the company that handles the insurance of the other party at fault. Now, if you choose the first option, you will be able to incur a deductible. Author Mack Kokson has written many useful articles and reports on Car Repair Insurance Check out other useful articles and information on Car Repair Insurance Cost at Carrepairinsurancetips.com and get best car repair insurance quotes for your dream car.

Chocolate Covered Banana Cupcakes

These chocolate banana cupcakes are insanely delicious.  Moist banana cake dipped in dark chocolate then topped with chocolate almond buttercream and a banana chip.  After getting rave reviews for these Chocolate Covered Strawberry Cupcakes, I put my thinking cap on to see if I could come up with a new take on the chocolate-covered cupcake.  This was a no-brainer.  My family says that these are the best cupcakes I have ever made.  They look so appealing and the two kinds of chocolate take it to the next level.  It’s like a decadent version of the classic chocolate chip banana bread.
INGREDIENTS
  • For Cupcakes:
  • 3 ripe bananas mashed
  • 1 cup sugar
  • 2 eggs
  • 3/4 cup vegetable oil
  • 2 cups all-purpose flour
  • 2 teaspoons baking soda
  • 1 teaspoon vanilla extract
  • 1 tablespoon buttermilk powder or substitute 3 tablespoons buttermilk for buttermilk powder and water
  • 2 tablespoons water
  • 10 oz. Ghirardelli Dark Chocolate Melting Wafers or other dark chocolate candy melts
  • dried banana chips for decoration
  • For Buttercream
  • 2 sticks unsalted butter softened
  • 1 pound confectioner's sugar
  • 1/2 cup cocoa powder I like Nestle
  • 1 teaspoon vanilla extract
  • 1 teaspoon almond extract
  • 1/2 teaspoon salt
  • 1/4` cup milk, half and half or cream

INSTRUCTIONS
For Cupcakes:
  1. Preheat oven to 300 degrees F.
  2. In a medium bowl combine flour, baking soda and buttermilk powder.
  3. In a medium bowl, beat banana and sugar until smooth. Add eggs and beat until combined. Beat in vegetable oil, vanilla and water.
  4. Pour wet ingredients into dry. Stir until just combined. Pour a scant 1/4 cup of batter into 16 muffin papers in a cupcake pan.
  5. Bake until a toothpick in the center comes out clean, about 25 minutes.
  6. For Chocolate-Almond Buttercream
  7. Meanwhile, put the butter, cocoa, powdered sugar, salt, cream, and extracts in the bowl of your stand mixer. Beat on low until ingredients start to come together then turn up to medium-high and beat for 2-3 minutes. Then turn down to low and let run for about a minute to get rid of air bubbles.
  8. To Assemble Cupcakes:
  9. Once cupcakes have cooled, melt the chocolate in the microwave according to the package directions. Once it is melted and smooth, dip each cupcake into the chocolate, turning it as you go to make sure you're getting all the way to the edge of the cupcake paper. While it's still upside-down, remove some of the excess with the tines of a fork. Don't worry if you leave a small mark in the top of the cupcake, the frosting will cover it. Set aside to let the chocolate set, about 10 minutes.
  10. Using a 1M tip or a ziplock with the corner cut off, pipe wide rosettes onto the top of the cupcake, starting in the middle and working outwards. Top each cupcake with a dried banana chip. Allow the frosting to set for 15-20 minutes before moving to your serving tray or storage container.

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