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.

Crème Brûlée Cheesecake

Two of the best desserts known to man, combined in one. It’s a thick, custard-y, vanilla-y cheesecake with a gingersnap crust and a crunchy, not-quite-burnt caramel shell on top, just like Crème Brûlée. This is the best cheesecake I’ve ever made. 

If you make this cheesecake, snap a photo and share on Instagram using #TheFoodCharlatan. I would be so happy to see it!!

(If you don’t have a kitchen torch, here’s an affiliate link to one with great reviews on Amazon.)
Ingredients

  • For the crust
  •  35 gingersnaps* (1 and 3/4 cup crumbs)
  •  2 tablespoons sugar
  •  1/4 teaspoon salt
  •  5 tablespoons butter
  • For the cheesecake
  •  3 (8 ounce) packages cream cheese, room temperature
  •  1 and 1/3 cup sugar
  •  1 tablespoon vanilla bean paste**
  •  1/4 teaspoon salt
  •  1 and 1/2 cups heavy cream
  •  10 large egg yolks
  •  2-3 tablespoons superfine sugar,**** for torching
  •  raspberries, to garnish

Instructions
  1. FOR THE CRUST:
  2. Preheat the oven to 350 degrees F. Prepare a 9-inch springform pan. Tear off an 18-inch square of heavy duty aluminum foil. (Reynolds is best) Set the pan in the center of the square and carefully wrap the foil up over the edges of the pan, crimping at the top so that it is secure. Repeat with a second sheet of foil. Be very gentle so it doesn't tear. Repeat again with a 3rd sheet of foil.**
  3. Use a food processor to pulse the gingersnaps into fine crumbs. Add 2 tablespoons sugar, 1/4 teaspoon salt, and 5 tablespoons melted butter and combine.
  4. Press the crumbs into the bottom of the prepared pan. Use the bottom of a glass to press it into an even layer. Don't do a side crust. (I'm usually very pro-side-crust, but it's hard to keep it from burning when you are torching the sugar later.)
  5. Bake at 350 for 10 minutes. Be careful not to tear the foil.
  6. Remove from the oven and let cool while you make the filling.
  7. FOR THE CHEESECAKE:
  8. Lower the oven temperature to 325 degrees F.
  9. In a large bowl or stand mixer, beat the cream cheese for 4 minutes, making sure to scrape the sides.
  10. Add 1 and 1/3 cup sugar, vanilla bean paste, and 1/4 teaspoon salt, and beat for another 4 minutes, scraping sides.
  11. Meanwhile, add the cream to a small pot on the stove. Heat over medium low heat until it is warm. You don't want it to bowl.
  12. While that is heating up, crack 10 egg yolks into a mixing bowl. (Save the egg whites for something else!)
  13. Beat the egg yolks for about 2 minutes, until they are pale.
  14. Pour the heated cream through a fine mesh strainer into a large pourable glass measuring cup (or anything that pours).
  15. While the beaters in the egg yolks are on, slowly add the warm cream. If you are not mixing while you do this, the eggs will curdle. Enlist help if you can. Don't try to take a photo during this step. I'm just watching out for you.
  16. Once all of the hot cream has been incorporated with the egg yolks, it's time to slowly pour that into the cream cheese mixture. I find this is easiest to do from a pourable measuring cup, but if you are dexterous enough to do it from the mixing bowl then go for it.
  17. Beat the cream cheese and slowly pour in the egg-cream mixture. Make sure you scrape the sides and get out all the lumps. The batter will be pretty thin.
  18. Transfer the foil-wrapped crust into a large high-sided skillet, or a roasting pan.
  19. Pour the batter into the gingersnap crust, forming an even layer on top.
  20. Fill the skillet or roasting pan with HOT water from the tap. You want the water to go at least halfway up the pan of the cheesecake.
  21. Carefully transfer the water bath to the oven.
  22. Bake at 325 for about 1 hour and 35 minutes. You will know it is done when it is mostly set in the center and doesn't jiggle too much when you shake it. (some movement is ok--it will continue to set as it cools. It just shouldn't be liquidy.) If the cheesecake starts to brown, turn off the oven.
  23. At this point you can either crack the door of the oven and let the cheesecake come to room temperature inside the oven. I removed the cheesecake but left it in the water bath for a couple hours so that there wasn't a drastic change in temperature.
  24. When the cheesecake is mostly cool, remove from the water bath, and remove the foil. Cover the cheesecake with plastic wrap and refrigerate for at least 3 hours or preferably overnight.
  25. When you are ready to serve, remove the plastic wrap and carefully loosen the sides of the pan. I didn't use a knife, just release the spring very slowly.
  26. Sprinkle about 2 tablespoons superfine sugar all over the top of the cheesecake. (Or just the portion you plan to eat. Once the crunchy topping is refrigerated, it doesn't stay hard)
  27. Use the torch to caramelize the sugar. See photos. This can take several minuets if you are doing the whole cheesecake. Keep the torch moving at all times. The sugar is caramelized when it just starts to bubble and smoke.
  28. Let sit for a minute for the sugar to harden.
  29. Garnish with fresh raspberries.
Recipe Notes
*You don't have to use gingersnaps! You can use 1 and 3/4 cup graham crackers crumbs or Nilla Wafer crumbs.

**You can also use 1 vanilla bean. Scrape the pod and add it to the cream cheese mixture. Throw the remaining bean in with the cream when you cook it, so that you soak up all the flavor.

***The foil is to keep your cheesecake dry since it will be baked in a water bath. I know 3 layers may seem excessive, but talk to me when you spend half a day making your precious cheesecake and you end up with a soggy crust. Trust me, it's worth the cost of the foil!

****You don't have to buy special sugar, you can just throw some regular sugar into the blender or food processor for 30 seconds or so. Smaller granules help the sugar melt faster when you are torching it. Regular sugar will still work fine though. I've tried both.


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