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.

MINI TRIPLE CHOCOLATE CHEESECAKES

Chocolate Lovers Unite! These Mini Triple Chocolate Cheesecakes are an insanely decadent treat perfect for the ultimate chocolate lover! A rich and creamy chocolate cheesecake sits on top of an Oreo crust. It’s then topped with chocolate whipped cream, chocolate ganache and chocolate shavings! 

Are you a hardcore chocoholic? Do you carry chocolate around with you at all times in case of an emergency (is it just me?). Do you like to have a chocolate overdose at least once a month (or every week)? Well, enter these Mini Triple Chocolate Cheesecakes! They’re perfect for the ultimate chocolate lover who wants a dessert that’s just pure chocolate, with no other flavours getting in the way. 

If you’re not super big on chocolate, you can checkout these Mini Strawberry Cheesecakes, although they’re topped with chocolate and chocolate covered strawberries. You can also check out these Mini Ferrero Rocher Stuffed Nutella Cheesecakes, though those are also full of chocolate. What can I say? I’m absolutely obsessed! 

Ingredients
  • Oreo Crust:
  • 1 cup Oreo crumbs (about 12 Oreos)
  • 4 Tbsp salted butter, melted
  • Chocolate Cheesecake:
  • 4 oz. Bittersweet or semisweet chocolate, melted and cooled
  • 1 and ½ packages (12 oz) cream cheese, room temperature
  • ½ cup granulated sugar
  • 2 Tbsp unsweetened cocoa powder, sifted
  • ½ cup sour cream, room temperature
  • ¼ cup heavy cream, room temperature
  • ½ tsp. pure vanilla extract
  • 2 large eggs, room temperature
  • Dark Chocolate Ganache:
  • 1 cup dark chocolate chips
  • ½ cup heavy whipping cream
  • Chocolate Whipped Cream:
  • ¾ cup heavy cream, chilled
  • 3 Tbsp powdered sugar
  • 3 Tbsp unsweetened cocoa powder, sifted
  • ½ teaspoon pure vanilla extract
  • Chocolate curls, for decorating (optional)

Instructions
  1. For the Crust:
  2. Preheat oven to 350°F and Line a 12-cup muffin pan with liners. Set aside.
  3. Add Oreo crumbs and melted butter to a mixing bowl and mix together using a fork. Place 1 tablespoon of crumbs into each liner and flatten using the back of the tablespoon or a small glass. Bake in preheated oven for 5 minutes. Allow to cool on a wire rack. Lower oven temperature to 325°F.
  4. For the Chocolate Cheesecake:
  5. Put chocolate in a heat-safe bowl and heat in the microwave for 30 second intervals, stirring after each interval until chocolate is completely melted and smooth. Set aside to cool.
  6. In a large bowl using a handheld mixer, beat the cream cheese, sugar and cocoa on medium speed until creamy, about 1 minute.
  7. Scrape down the sides of the bowl and add sour cream, heavy cream and vanilla and continue beating until smooth. Add melted chocolate and mix on low speed to combine.
  8. Add eggs one at a time, beating slowly until just combined, do not overbeat. Scrape sides and bottom of the bowl with a rubber spatula to make sure everything is fully combined. Forcefully tap bowl on the counter a few times to release any air bubbles.
  9. Fill each liner with ¼ cup of batter. Bake in preheated oven for 18-20 minutes until the tops are puffed and look dry.
  10. Remove from oven and allow to cool completely on a cooling rack.
  11. Cover with plastic wrap and refrigerate until firm and chilled, about 1-2 hours or overnight.
  12. For the Dark Chocolate Ganache:
  13. Put the chocolate chips into a medium bowl. Set aside.
  14. Heat the heavy whipping cream in a small saucepan until it just begins to boil.
  15. Remove hot cream from heat then pour it over the chocolate chips. Cover the bowl and allow it to sit for 5 minutes.
  16. Remove cover and stir ganache until smooth. Set aside to cool while you make the whipped cream.
  17. For the Chocolate Whipped Cream:
  18. In a medium mixing bowl, using a hand mixer, whip the chilled cream, powdered sugar, cocoa powder, and vanilla until it reaches stiff peaks, about 2-3 minutes.
  19. Transfer whipped cream to a piping bag fitted with a large star tip and pipe a rim around the edge of each cheesecake. Fill the centre with the ganache. Garnish with chocolate curls. Enjoy!
Notes
- Store leftovers in an airtight container in the refrigerator for up to 5 days.


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