General Discussion

Most of us haven't got a clue about what our car insurance really covers. Here's what car insurance covers and how you can save money on your premium.

Collision Coverage
Collision insurance pays for repairs to your car from a collision regardless of who was at fault.
Raising the deductible - the amount you pay before your insurance company pays a claim - will save you hundreds of dollars a year on your premium. If you have an older car that's not worth a lot, dropping your coverage, especially if your car is worth less than your insurance premium, can save you $450 or more.

Comprehensive Coverage
Comprehensive insurance pays for non-collision damage to your car from such things as vandalism, break-ins, fire, natural disasters, and other causes.
Raising your deductible will lower your premium considerably. Dropping this coverage if you drive an older car will also save you money.

Liability Coverage
Liability coverage pays for claims made against you for property damage and physical injury. It's really the most important coverage because it protects you from losing your assets. Don't skimp on this one. If you don't own much, you can stick with the minimum coverage. But if you do have assets you want to protect, get as much coverage as you can to protect those assets. Increasing your liability coverage won't cost you that much more.

Medical Coverage
Medical coverage pays medical expenses when you or your passengers have an accident. It also pays expenses if you or your family are injured in someone else's car. Consider dropping this coverage if you already have health insurance. And if you don't have health insurance consider getting it instead of carrying medical coverage on your car insurance policy.

1. Hybrid tea roses are among the most beautiful flowers in the world. They are the florist's rose.

2. The blossoms are fantastic and each flower can have as many as 60 or more petals. You can not find a more beautiful cut flower.

3. The fragrance also makes the hybrid tea rose an excellent choice to give as a bouquet or to grow in your garden.

4. Hybrid tea roses are different from other roses because they produce their flowers usually one bloom to a long stem rather than in clusters. Most hybrid tea roses produce flowers during the entire growing season and the plants grow 3 to 6 feet tall.

5. Caring for hybrid tea roses is no more difficult than other roses although you do need to give them special care in colder climates. They are no more or no less pest or disease resistant than other kinds of roses.

6. ‘La France’ was the first hybrid tea rose grown in 1867 by a French nurseryman, Jean-Baptiste Guillot. He cross-bred two old garden roses and developed an entirely new kind of rose.
7. Hybrid tea roses should be planted 18 to 36 inches apart or they can be planted with other flowers in large pots.

8. There are hundreds of choices when looking for hybrid tea roses. Choices can be made by color, names or fragrance. There are hybrid tea roses named after famous people including presidents and their wives.

9. The very first tea rose was a cross between a China rose and Rosa gigantea. These plants are more bushy than the hybrid tea rose but the well-shaped flower buds remind us of today’s modern hybrid tea roses. Tea roses come in shades of white, pink and yellow.

Start thinking about adding a tea rose or hybrid tea rose to your garden this year. Ken Austin runs a website devoted to gardening and landsacping. Visit our gardening articles section for gardening ideas and gardening tips, or visit our gardening resources section for extended information.