Lifestyle

Get Car Insurance where you are not Required to Pay any Down Payments

Published

5 years ago

February 20, 2020

Today can insurance be very important but most of the companies ask for down payments to lower down their risk. Many people are looking out for car insurance with no down payments as it allows them to get rid of bulk payment that is to be paid while taking insurance. The car insurance company always looks out for customers who keep their policy for a long time and so asking for a down payment can help them but it is not good on customers’ side. The driver who has a positive record is eligible to get such insurance without a down payment as it reduces risk.

It is quite difficult to find any such companies today but still, some exceptions are working for customers and so come up with no down payment. These types of companies leave up to customers where they are willing to go for down payment or not as this aunt is further deducted from their policy amount. So, if you are not able to afford a down payment lookout for car insurance with no down payments where you can get the same benefits.

The down payment can cost up to 30% of the policy amount, which will be reduced from your premium but everyone can’t pay it in advance. These people will find no down payment option very beneficial. Before selecting any car insurance policy look out for details and even connect with agents to know more about policy to minimize risk.

Which factors to consider for car insurance?

Before getting to any conclusion, it is very important to get estimates from different companies. It would help you to know the benefits that you will get for the amount.
Many factors affect the policy premium and so try to connect with insurance agents and understand all such factors. Some of the common factors are car, model, year, driving history, etc.
Car insurance companies offer different discounts and so don’t leave the opportunity. Go for the insurance company where you can get a discount and if you are unable to pay down payment lookout for the one with car insurance with no down payments.
Many insurance companies are offering coverage, which is less as compared to the policy premium and so before opting for an insurance check out the prices of different services.
You must have an idea of what would be the cost of reparation and other such things so that you have an idea of whether your coverage is effective or not.

People who are buying car insurance must consider the down payment factor as it can increase the risk. If you are looking for any insurance that has down payment but does not cover everything it might prove very expensive to you. It is very important to have car insurance today and so you have to make wise decisions, as there are many competitors in the market today. So, go for car insurance with no down payments where cheaper rates along with bets offerings can make your money valuable.

Lifestyle

Kristien Surya Jewelry: A New Standard in Affordable Luxury Jewelry

Published

1 day ago

December 19, 2024

Michelle Langton

Photo credit: Kristien Surya Jewelry

Byline: Sarah Kingston-Powell

Kristien Surya Jewelry combines cultural heritage with contemporary design from its Newport Beach headquarters. Launched in November 2023, the brand draws from Western, Indian, Chinese, and Islamic design elements. The signature pieces include the Hamsa hands collection with natural gemstones and the organically shaped Sunyata series, both crafted in sterling silver, solid 14K, and 18K gold.

“Each piece tells a story of cultural connection through carefully selected materials and meaningful symbolism,” says founder Kristien, who bootstrapped the company as its sole angel investor.

Social Impact Through Accessible Pricing

Despite its recent launch, the brand experienced significant early success, reflecting strong consumer interest. With global shipping and plans to expand its reach, Kristien Surya Jewelry is poised to attract an international audience that values culturally meaningful and socially responsible luxury.

While fine jewelry typically commands premium prices, Kristien Surya offers installment payment options and competitive pricing without compromising materials or craftsmanship.

A portion of sales supports the National Pediatric Cancer Association’s Sunshine Project, which develops non-toxic cancer treatments for children. Proceeds also help fund education and fair wage initiatives for women and children facing economic hardships.

Sustainability and Customization Focus

The brand’s ECO-LOVE Program incorporates lab-grown gems alongside natural stones, addressing growing consumer interest in sustainable luxury goods. Market research from McKinsey indicates that 73% of millennials are willing to spend more on sustainable brands.

“We select natural gemstones and crystals not just for aesthetics, but for their unique properties that promote emotional and spiritual well-being,” Sun explains. Customers can personalize their amulets by choosing specific gemstones, creating individual meaning for each piece.

Market Strategy and Growth

Currently serving North America through its e-commerce platform, Kristien Surya plans to expand to additional online marketplaces. “Our goal is more than about selling jewelry—we’re building a brand that celebrates diverse cultural heritage while making fine jewelry accessible to more people,” says Kristien. The company maintains a strong social media presence on Instagram and Facebook to engage with customers and showcase its cultural influences.

Kristien Surya Jewelry sets itself apart with its focus on cultural inspiration, sustainability, and social impact. Leveraging digital platforms like Instagram and Facebook, the brand aims to foster a vibrant online community. Special promotions, such as Blind Box Gifts for early followers, enhance its engagement strategy.

Design Philosophy and Production

Each collection draws inspiration from specific cultural elements: Western philosophical traditions, Indian spirituality, Chinese harmony concepts, and Islamic artistic patterns. The manufacturing process combines traditional craftsmanship with modern production techniques to maintain quality while achieving competitive pricing.

The Hamsa hands collection features double gemstone settings—an innovation within its price category. Production standards match luxury specifications: all pieces undergo multiple quality control checks and come with authentication certificates.

Future Developments

Kristien Surya plans to introduce new collections quarterly while maintaining its core design philosophy. The company’s near-term objectives include expanding its online presence and developing additional customization options for customers.

The brand recently began developing partnerships with retail locations in major U.S. cities, though specific details remain private. Current data suggests strong market potential for culturally-inspired fine jewelry at accessible price points, particularly among millennial and Gen Z consumers who prioritize meaning and value in their purchases.