What’s in an Auto Insurance Policy?

If you are currently in the process of looking for auto insurance and therefore are getting auto insurance quotes then you might be feeling some confusion over what it actually is you are being offered. There is a lot of jargon involved in insurance and sometimes it feels like you need a translator just to get through the contract. Understanding what an auto insurance policy actually entails is the first step to making sure that you get the right policy to suit your needs and your budget.

Coverages

Every insurance policy from https://insurancequote.deals/auto-insurance-quotes/ is made up of coverages. These coverages are based on the type of claim paid to other or paid to you. A claim then is defined as a request to an insurer for reimbursement of a loss covered by the terms of an insurance policy. The coverages included within your policy will be different according to what you choose, however there are some coverages that are standard and required by the law.

Liability Coverage

This coverage will pay others if they have been the victim in an auto accident in which you were at fault. As well as, this coverage can help you in the event of an auto accident as it will cover lawyer expenses in the event you are sued for damages after an accident that you have caused. Liability coverage is then split further into two subsections to include both physical harm and damages to property.

Bodily Injury Liability Coverage

This will pay for the claims and the lawsuits filed by people who have been significantly injured or fatally injured because of an accident that you have caused. Amongst other things the compensation that the victim will receive includes; pain and suffering damages, reimbursement for medical bills, and reimbursement for loss of earnings. The amount paid out is determined by the situation but there will be a limit per individual and a limit per accident if there is more than one person involved in the accident.

Property Damage Liability Coverage

Property damage liability coverage will cover the financial cost of repairing or replacing any property that is damaged because of a car accident that is caused by you. There will be a limit on the amount that is paid out, and depending on the cost of the repairs they may also be further costs due to compensation.

 

Anonymous Web Surfing and Browsing

Are you looking to surf the web anonymously using a vpn service? If so, this page will provide you with an introduction to the complexities of anonymous web surfing and how to best achieve anonymity on the Internet. Anonymity is the state of being anonymous and generally means that your personal identity cannot be determined whilst in that state. Achieving anonymity on the Internet is actually far more difficult than most people imagine, not to mention that there are also multiple levels of anonymity that can be achieved.

The most commonly used data to (initially) determine your identity is your IP address. In other words, your IP address is the greatest threat to your online anonymity. When you connect to the Internet your computer (or broadband router if you use one) is assigned an IP address. Some vpn service providers issue static IP addresses, others dynamic. A dynamic IP generally changes each time you disconnect and reconnect but since most users nowadays never disconnect, they maintain the same IP for long periods. Regardless, every time an IP address is assigned to you, this data is recorded by your ISP. In most countries ISP’s are required by law to keep this data for at least 3 months and in many cases often years. As data storage becomes cheaper and governments more controlling, this data will be kept for longer and longer periods and almost certainly at some point will be kept indefinitly.

This means that you could connect to a website today at 16:30, and a year later the relevant authorities in your country could subpoena your ISP to provide them with the full identity of the subscriber who had the IP address 365 days ago at 16:30. Most countries have some legislation which restricts the Government from being able to freely request this information (such as the Electronic Communications Privacy Act in the USA) but unfortunately in many cases this data is released without any evidence of crime being committed. Ultimately, we cannot trust our ISP to protect our identities and hence we cannot allow our ISP to monitor and record our online activity. Anonymous web browsing is required for any modern civilized society to function and privacy is indeed fundamental to the human condition. So the question then is..

How can I be anonymous to my ISP?

There is no obvious way to conceal from your ISP the IP address of the web server that you are connecting to since they are by definition responsible for routing all your traffic to the Internet. However, a technology known as VPN (Virtual Private Networking) has surfaced over the past 10 years which provides a solution for those seeking anonymity. VPN technology was designed to protect confidential data being sent over a public network such as the Internet. The most popular type of VPN is the ‘site to site’ VPN where a company joins two geographically separate networks via the public Internet. The other type of VPN, often referred to as ‘road warrior’ enables a remote worker to connect to their company network from anywhere on the Internet e.g. their hotel room. It is this ‘road warrior’ type VPN configuration which can provide us anonymity with respect to our ISP.

When data is sent on the Internet, it is broken up into small units (called datagrams) which each have a source address and destination address. The source address is the IP address assigned to you from your ISP and the destination IP address is the web service that you are trying to connect to. When the web service responds, their packets will have your IP address as the destination address so they are routed back to your computer. When you use a VPN service, all the data sent between your computer and the VPN server is encrypted. However, the source and destination IP address cannot be encrypted or else your ISP and the other routers on the Internet would not know who to send the data to. VPN technology uses a concept known as tunnelling where data is wrapped up in another layer – the equivalent of taking a postcard and putting it into an envelope and readdressing it. The VPN takes the original packet of data with its real source and destination address and puts it into a new envelope and puts the destination address of the VPN server. When the VPN server receives the packet of data, it open the envelope and decrypts its contents so it knows where to route the data. By doing this, the ISP can only see that you are communicating with the VPN server and has no way of determining which web services you are communicating with. Anonymous surfing is now possible and extremely secure.

View the diagram below to get a better understanding of how a VPN protects your identity.

what-is-a-vpn

nce you are connected to the VPN, the only information your ISP has is that you are sending and receiving data with the VPN service. The websites and web services that you connect to are unknown to the ISP since that data is encrypted.

The next logical step for anyone interested in anonymous browsing is to be concerned with your anonymity with respect to the VPN service since the VPN service now has a similar level of access to your data that your ISP had before you connected. This is a very important concern and should not be taken lightly since it would not be infeasible for a government or other monitoring entity to set themselves up as a VPN service specifically to monitor their customers.

The reason why your real identity has to be known by your ISP is because you have to pay them to use the service and most if not all require your bank account details. Assuming your bank knows your identity and you are using this account to pay your ISP, the ISP can reliably and accurately identify you.

When you are using any type of anonymous web browsing service you should obviously minimize the amount of personal information you provide. Good anonymity providers will never ask you for any more information than they need in order to provide you with the service. The major problem arises when using a paid service. Always seek to pay using some form of anonymous payment if possible. Examples of trusted anonymous payment methods are Cash, Liberty Reserve and Payoffline. All of these service allow you to pay the anonymity service without revealing any personal information. If you cannot pay using an anonymous form of payment then you need to ensure that you provide the VPN service with the minimum information required to process your payment. For example, iVPN.net only requires an email address to sign up, we have no interest in your name or address and we do not require this information to receive a payment from you.

Most anonymity providers make claims to never store any log or records of who and when their customers connect to the service. In many cases this is not actually true and is simply fraudulent advertising. Unfortunately, this is an extremely serious situation because it encourages a false sense of security within the customer and can lead to a customer’s identity being disclosed. In the case of iVPN.net, we take the approach that the less information we have, the better, after all we cannot be forced to provide information we do not have. There is no way to verify whether a VPN service is actually logging your Internet activity, this is where your trust and intuition are required. If you used an anonymous form of payment then the risk of your activity being logged and your identity being disclosed is greatly reduced.

The anonymous web is indeed a reality for all freedom fighters however it is very important that the above information is understood and implemented. Additionally, there are many other steps you can and should take to protect your identity even further whilst connected to the Internet.

Top Reasons You Can’t Connect to your VPN

This page provides are overview of some of the most common reasons our customers are unable to connect to our VPN service.

Authentication (username/password) issues – Please read the article on how to fix authentication issues to ensure that you are entering the correct username and password.

Software firewall blocking connection – The easiest way to test if the firewall is blocking with your VPN connection is to disable it and try connecting again. If the VPN connects whilst the firewall is disabled you’ll need to setup an exception in order to use the VPN while the firewall is running. The procedure for this will vary depending on your firewall software, please consult your vendors manual or support forum. In some cases customers have had success completely unisntalling the firewall and then reinstalling it whilst the VPN is connected.

Server unreachable – Are you able to reach the server from your current location? You can do this by opening a command prompt (cmd.exe on Windows) or a terminal window on Mac/Linux and typing ‘ping’ followed by the server name.

Conflicting software/software misconfiguration – By installing the software on a 2nd PC (or a friends) you can quickly eliminate any possibility that something on your PC is causing the problem.

Low system resources or configuration changes waiting to be applied – Many problems can be resovled by simply rebooting your PC and attempting to reconnect.

Geographical restrictions – You may be in a country or with an ISP that blocks L2TP/IPSec VPN connections, such as Oman, UAE, Belize and others. If so, try connecting using an OpenVPN TCP connection if your device is compatible with OpenVPN, as these stealth connections are significantly more difficult to block.

Vista UAC – Customers have found that disabling UAC will sometimes allow OpenVPN to work when all other solutions have been tested.

VPN Speed Guide – How to maximize

Why is my VPN slower that I expect?

The internet is a very dynamic network with millions of interconnecting devices and routers which can get heavily overloaded at random and predictable times. When connecting through a VPN service, you are extending the connection and number of routes your data is required to pass through and there will inevitably be some slowdown compared to your raw connection speed.

Secondly encryption slows down everything. We use highly secure AES-256bit encryption which requires a fair amount of processing speed. The faster your device’s processers are the closer to your raw connection speed you will attain.

Don’t rely too heavily on online speed tests as they only provide a small snapshot in time. See why Purchase-VPN.Com is the fastest VPN for more information on how VPN speed should be measured.

What can I do to speed it up?

Connect to a different server. Choosing a VPN gateway closest to you will usually provide the best balance of speed and low latency but due to dynamic nature of the Internet as discussed above, you may find that another server a bit further away will be faster. Some ISP’s connect to the Internet at points closer to where our servers reside even if those are further away from your location physically, so experiment with a few different servers to find the best speed.

Try another VPN protocol. Usually OpenVPN provides the best performance, especially over unreliable connections. If you are connecting with L2TP/IPSec, try using OpenVPN. If you are using OpenVPN, try connecting to the OpenVPN TCP service (which uses TCP port 443). For more information see our table on the difference between OpenVPN and L2TP/IPSec.

Wait a few hours and check it again. There may be an outage somewhere on the Internet that is causing congestion as data is re-routed over backup links.

Was your VPN speed faster before? If you’ve changed your firewall or antivirus software or installed any other software since you last connected, you may want to try disabling the software and testing the connection speed again.

Are you in a different location that the last time you connected? You should expect vastly different speeds depending on where you are connecting from.

Are you on wifi? If you are connecting from behind a wifi router/hotspot you may have insufficient bandwidth to utilize your full raw connection speed. Every user connecting to the wifi router shares the routers bandwidth. You can try changing the wifi channel that you are connecting on (see your wifi router manual for more information).

Are you on a mobile/tablet/netbook with limited processing power? Encryption requires significant processing power and trying to stream high definition movies over the VPN may cause the device to reach its limitations.

Try rebooting the device you are connecting from. Rebooting can help by applying configurations that are not saved and reloading the latest drivers/applications back into freshly cleared RAM. It’s always worth trying if all else fails.

Advanced Options

If you’d like to locate the congestion or network hop which is delaying your traffic the most, you need to run a traceroute. Try tracerouting to the host you are trying to reach, with and without VPN active. You can use online tools such as network-tools.com or do it directly from your command prompt or terminal window on your PC.

Override the DNS with 3rd party DNS servers. We always advise customers to use our DNS servers to prevent DNS privacy leaks. However you may wish to sacrifice your privacy for faster DNS lookups if you find that an alternate DNS provider can service your lookup’s faster than our DNS servers.

Adjust the MTU – We have guides on how to do this on windows – see Windows VPN troubleshooting guides – You should always start at a lower value e.g. 1200 and test it in increments of 25 up to 1500 to see if performance improves. If you change the network you are connecting from in the future don’t forget that you may need change the MTU again.

How to Fix – Authentication Failure

You are required to enter a valid Purchase-VPN.Com username and password to connect to the VPN service.

Solution

Please check that you are entering your VPN username and password exactly as you received them in the email you received from Purchase-VPN with subject “Purchase-VPN.Com Setup Instructions”.

Please check that your VPN username begins with the letters ‘Purchase-VPN’. Your VPN username and password is different to your client area username and password that you entered during singup.

Please check that the password is entered in the correct case i.e. ‘Hello’ is not the same as ‘hello’.

Please check that there are no spaces before or after the password.

If you are still unable to connect, please change your VPN password and try connecting again.

If you are still unable to connect, your account is most likely disabled/suspended. Please verify that your account is active by reviewing your services and look under the ‘status’ column. If your account has been suspended, pay your latest invoice and the account will be automatically unsuspended.

How to Fix – TLS Key Negotiaion Failed to Occur

Please attempt the following solutions in order;

Solution

Your ISP or national firewall may be filtering out OpenVPN packets on UDP (port 2049). Connect to one of the TCP mode servers (right click the Purhchase-VPN tray icon and select a server which ends with ‘TCP mode’). The ‘TCP mode’ servers use port 443 which is very unlikely to be blocked as it a standard port used for secure web services.

Your router or a software firewall on your PC may be filtering connections on port 2049. Temporarily disable your firewall to check if your firewall is blocking the traffic. Some customers have found it necessary to completely uninstall the firewall software followed by connecting and reinstallation.

In rare cases the windows firewall may be blocking access to the openvpn.exe binary. Whitelist (add it to the “Exceptions” list) it for OpenVPN to work.

If the above solutions do not work then it is likely that you are located on a network which is blocking access to our VPN servers.

Why Do I Need a VPN Service?

There are many good reasons why people use a commercial VPN service provider. Here are the most popular;

Privacy

The majority of our customers use a VPN service to protect their online privacy by limiting the amount of information that their ISP and other organisations are able to record. Privacy minded individuals believe they have the right to control who has access to their personal data and a VPN privacy service gives them that control.

Security

If you use your laptop or mobile device at WiFi hotspots, hotels, or other public networks your connection is susceptible to eavesdropping by identity thieves and other hackers. A VPN service will encrypt all traffic between your device and our VPN servers thereby giving a very strong level of added protection.

Anonymity

In some countries, typically where there is a limited right to free speech, it is very important to be able to protect your identity or risk being severely prosecuted. A VPN service allows you to communicate online anonymously protecting your identity from being exposed.

Bypassing Censorship

Many countries censor content and services that are accessible from within that country. A VPN service will enable you to bypass these restrictions by connecting to a VPN server in another country. Examples of such services are Skype and Facebook.

Bypassing Geographical Restrictions

Some companies on the Internet limit access to their content to a geographical region. A VPN service allows you to connect to a server in the target country, thereby appearing to be within that geographical region, giving you full access to the content.

Can I Install My VPN on More Than One Computer?

Yes you can install the VPN software on as many devices as you wish, however you may only connect from a single location/IP at one time. If you have multiple devices behind a router, there is no restriction on how many devices you can have connected at the same time as they will all share the IP of the router.

However, if you move one of the devices to another location where it will be connecting from a seperate IP at the same time as your other device/s are connected from the original location, you will need an additional subscription for that device. If our servers detect two or more connections from different IP’s using the same user account, the connection will be terminated.

What are the ‘TCP Mode’ Connections?

When connecting to the Purchase-VPN network using the OpenVPN client you will be presented with the choice to connect to a ‘TCP mode’ server. The difference is which underlying Internet protocol is used for the connection i.e. TCP or UDP.

You should always attempt first to connect using the normal server and not the ‘TCP mode’ connection as UDP is faster, however we offer the ‘TCP mode’ connection for instances when the underlying Internet connection is not stable or you are positioned behind a very restrictive firewall which is blocking UDP and therefor have no choice. Please note that both protocols are equally secure.