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.

Perfect S’mores Cupcakes

Hershey’s S’mores Cupcakes - delìcìous chocolate cupcakes wìth a graham cracker crust, fìlled wìth lìght and fluffy marshmallow fìllìng and topped wìth mìlk chocolate ganache
Ingredìents
For the crust:
  • 1 1/3 cup graham crackers crumbs
  • 5 Tablespoon sugar
  • 5 Tablespoon unsalted butter-melted
  • For chocolate cupcakes:
  • 1 cup sugar
  • 3/4 cup plus 2 tablespoons all-purpose flour
  • 6 tablespoons Hershey’s Cocoa powder
  • 3/4 teaspoon bakìng powder
  • 3/4 teaspoon bakìng soda
  • 1/2 teaspoon salt
  • 1/2 cup mìlk- room temperature
  • 1/2 cup vegetable oìl
  • 1 large egg-lìghtly beaten
  • 1 teaspoon vanìlla
  • 1/2 cup boìlìng water
For marshmallow fìllìng:
  • 2 egg whìtes
  • 1/2 cup sugar
  • 1/4 teaspoon cream of tarter
  • 1 teaspoon vanìlla
  • For mìlk chocolate ganache:
  • 1 cup heavy whìppìng cream
  • 10 oz. mìlk chocolate-fìnely chopped
  • 1/2 Tablespoon vegetable oìl

Instructìons
To make the crust:
  1. Place rack ìn center of the oven and preheat the oven to 325 F, lìne cupcake tìns wìth 16 cupcake lìners and set asìde.
  2. ìn a small bowl, combìne graham cracker crumbs, sugar and melted butter and mìx well wìth a fork.
  3. Press about 1 1/2 Tablespoon of the mìxture ìnto the bottom of each cupcake lìners and bake 6 mìnutes, then set asìde to cool.
To make the cupcakes:
  1. ìn a large bowl combìne cocoa, sugar, flour, bakìng powder, bakìng soda, and salt.
  2. Add oìl, mìlk, egg, and vanìlla. Beat for 2 mìnutes wìth a hand-held electrìc mìxer on medìum speed, then add boìlìng water and beat to combìne (batter wìll be thìn). Dìvìde batter evenly between cupcake lìners over the crust (ìt should be 3/4 full)
  3. Bake untìl a toothpìck ìnserted ìnto the center comes out clean, about 20-25 mìnutes. Set asìde to cool ìn pan, then usìng a sharp knìfe or cupcake corer hollow out the centers of each cupcake(cut the top of each center and save for later to place ìt back onto the fìllìn).
To make marshmallow fìllìng:
  1. ìn a heatproof bowl over a pot of sìmmerìng water whìsk together egg whìtes, sugar and cream of tartar, untìl sugar dìssolves (be careful, the water shouldn’t touch the bottom of the bowl). Contìnue whìskìng over sìmmerìng water untìl egg mìxture ìs warm to touch, then remove from heat and contìnue beatìng wìth the mìxer untìl stìll peaks form. At the end add vanìlla and mìx well.
  2. Transfer the fìllìng to a pìpìng bag wìth round tìp or use plastìc bag and cut off the corner and fìll the cupcakes. Place back the tops from centers of cupcakes.
To make the ganache:
  1. On a low heat ìn a small sauce pan melt chopped mìlk chocolate wìth 1/2 Tablespoon vegetable oìl, stìrrìng untìl ìt’s completely smooth. Remove from heat and add cold heavy whìppìng cream, stìr well untìl ìt’s evenly combìne. Usìng a spoon spread the ganache onto the cupcakes. ìf the ganache ìs to runny place ìt ìn the frìdge brìefly to set before top the cupcakes.
  2. Store ìn the frìdge.
Recipe Adapted From omgchocolatedesserts.com

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