How to Lower the Cost of Your Car Insurance
by: Evan T. Smith
Buying auto insurance is an important part of your overall
financial planning. The auto insurance premium rate varies
depending on the company and the type of policy coverage you
choose to have.
Here are some guidelines to lower the cost.
Shop Around- Compare the costs by shopping around at least
four to five insurance companies and comparing the quotes.
Take the help of your friends, relatives and yellow pages.
Your insurance company should offer fair pricees and posses
excellent service records. Check the financial ratings of the
company as it indicates the strength and stability of the company.
Ask for higher deductibles- Deductible is the amount of money
that you pay before making any claim for an accident. The
collision and comprehensive coverage are sold with the
deductibles. Higher the deductibles lower will be the premium rate.
Increasing the deductible from $200 to $500 may reduce the cost
by 15 to 30 percent.
Drop collision and comprehensive Coverage on older cars- If your
car is worth less than 10 times your premium in the current
market, consider dropping the collision and comprehensive coverage.
Buy auto coverage from your existing insurer- Buy insurance
coverage from your existing carrier. This may help you to
reduce the cost. Sometimes low rates are available for the
longtime customers.
Avoid double health coverage- If you think that you have enough
health insurance, and then avoid health coverage with your auto
policy. This will help you to reduce the cost.
Maintain a good credit record- Insurers are using the credit
history while determining the price of insurance. Statistically,
the lower your credit score, the more you are likely to file
claims. A person with a good credit score is more likely to
settle the accident without the support of the company. Try to
maintain a good credit record.
Discounts with low profile car- Cars that are expensive to repair
or attractive to thieves will have a higher rate. Consider buying
a low profile or average car as it your insurer might come up with
discounts for such a car.
Take advantage of the low mileage discount: Obtain some discount
on premiums by driving less than the national average mileage
recorded per year.
Consult about group discount- Sometimes you can get some discounts
on group plans provided by your employer, or a business groups, or
other associations. Find out whether such a plan is available.
Seek Car Safety discount- Some insurers offer discount if you keep
your car equipped with air bag, anti-lock brakes, anti-theft
devices, automatic seat belts. Take advantage of this.
About The Author
Evan T. Smith is a contributing writer for http://www.ampminsure.org/, an online insurance forum dedicated to make insurance issues easy and manageable for all.
Terms of republishing: This free reprint article is avaialble for use in ezines,print publications, websites and blogs on
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Drive Yourself to More Auction Money
Drive Yourself to More Auction Money
by: Brian McGregor
Big ticket items are increasingly popular on eBay.
Cars are probably one of the best examples of this.
In fact, eBay is the largest dealer of used cars in the USA. And eBay's car sales in the UK is also growing significantly. Every 16 seconds, a car is sold on eBay!
If you're an eBay seller, here's an idea you might like to consider to make extra cash.
The vast majority of car dealers don't use eBay. They advertise in the press, usually locally, and their customers likewise usually live within reach of the car dealer.
What eBay Motors has successfully proved is that people will bid on cars from owners hundreds or even thousands of miles away.
Why not take your eBay selling expertise, and offer your services to car dealers in your area?
You know how to create auctions, take and upload photos, and manage auctions. The dealers have vehicles which are getting...
Drive Yourself to More Auction Money
Car > Drive Yourself to More Auction Money
5 Tips On How To Save Money At The Gas Pump
5 Tips On How To Save Money At The Gas Pump
by: Robert Smith
1. Keep an eye on your gas consumption
The more aware you are of the amount of fuel that you use the more you can do to try to reduce your gas costs.
If you notice that your gas efficiency is decreasing it could be an indicating factor that your car needs servicing.
Make weekly comparisons with your fuel log that you keep in you car to see how much your gas consumption is going up and your mileage per gallon is going down.
If you are finding that you are constantly seeing less and less performance from your car and spending more for gas at the fuel pump then you'll know that you need to take action so that you can start seeing a savings in your gas economy rather than a constant deficit.
2. Buy gas from a busy station
Try to buy your gas from a gas station that is consistently busy and therefore has its underground tanks filled on a regular basis....
5 Tips On How To Save Money At The Gas Pump
Car > 5 Tips On How To Save Money At The Gas Pump
Tips On Buying Warranty For Used Cars
Tips On Buying Warranty For Used Cars
by: Gregory Ashton
Used car buyers need to get their money?s worth as soon as their purchase has been confirmed. New or not, cars should have warranties. It is a right, not a privilege.
The following are tips to better your chances of getting the best warranty for your money. Know what you are buying
Some people who avail themselves of auto warranty coverage usually have a notion that they are purchasing a special shield that protects their vehicle from unnecessary wear and tear. Though this is true, this idea is primarily bound to a contract that the buyer should read prior to signing anything. There are instances when consumers buy a used car then expect the warranty company to get their cars back in shape for them. Buyers then unnecessarily file a complaint and get angry once their request is denied simply because their understanding of the conditions that constitute the warranty differs from what...
Tips On Buying Warranty For Used Cars
Car > Tips On Buying Warranty For Used Cars
Play Piano - How to Play Piano By Ear
Play Piano - How to Play Piano By Ear
by: Ronald Worthy
Training your ear is much the same as training your dog: you keep shouting orders at it until it recognizes what a certain sound means.
For example, if someone sat at your piano and kept playing major chords without interruption for two straight days, you would no doubt recognize a major chord any time one sounded during the remainder of your life!
Or you might have the same dedicated friend strike nothing but major thirds: C and E, D and F#, F and A, etc.
And the next time you heard your car horn you would probably exclaim, ?Hey!
It?s a major third.?
(Most car horns are ?factory-tuned? to a major third.)
Once your ear is trained to decipher certain sounds, you can pretty much drive all of those around you to a padded cell with your recognitions.
?Hear that train whistle?
It?s a perfect fourth!?
Or when a car horn passes...
Car > Play Piano - How to Play Piano By Ear
Is Your Car Tires Safe?
Is Your Car Tires Safe?
by: Joseph Kenny
Do you know most of the car accidents are caused because of one or the other fault in the car tires? Most of the car accident reimbursement that the car owners have to pay to the accident victims or the loss they have to incur in terms of insurance money they get is all due to fault in car tires. So, when you go out to buy a car then with all the factors like performance, brand, price, appearance, comfort, and maybe even safety, do consider the performance and integrity of the car tires as well. Even if you own a pre-owned car do make sure that your car tires are in good condition and match your car type, the kind of use it is put to and the geographical demand of the area where you live.
Reliable Tires
Remember different kinds of vehicle require different kinds of tires. So, you must do some research on your car type and its matching tire type. Do not trust the previous owner if you are buying a...
Is Your Car Tires Safe?
Car > Is Your Car Tires Safe?
Knock Sensor Failure: Now What?
Knock Sensor Failure: Now What?
by: Matthew C. Keegan
Bella Miller skillfully navigated her BMW 735i onto the expressway, dodging a semi that was quickly barreling down on her. Darting over to the left lane she eased up on the accelerator just enough to give herself a little bit of extra room between her car and the Blazer she was now following. Traffic was fairly heavy at this hour of the afternoon, but one kilometer down the road Bella would be able to take the left fork and follow the outer beltway for seven kilometers. Within moments she would be out of rush hour traffic and on her way home.
With the fork fast approaching, Bella turned on her left turn signal and eased her car off of the expressway and onto the ramp leading to the outer beltway. Seeing that traffic was now light, she pressed on the accelerator and immediately felt a bit of hesitation followed by two loud knocks. Perplexed, Bella eased up on the accelerator and moved over...
Knock Sensor Failure: Now What?
Car > Knock Sensor Failure: Now What?
Why you should race RC cars, and not just bash
Why you should race RC cars, and not just bash
by: J.P Turner
For those of you who have been racing your RC cars for years, and have a friend or two who you have been trying to get out to the RC tracks, this article is for you.
Feel free to forward it to them.
For those of you who are fanatical bashers, and have avoided racing your rc cars at the local track, hear me out, because I have 5 great reasons you should take a run at it.
1) Hanging out with other RC car enthusiasts- You will absorb new ideas on how to keep your RC cars running at peak performance, just by hangin' out in the pits.
Not all of them will be good, some could even do more harm than good.
but if you are careful who you listen to, you can learn some terrific stuff that will make your ride handle better, run faster, and be more durable.
2)The game within the game- Its not just about racing, and being first in the heats (altho, that...
Why you should race RC cars, and not just bash
Car > Why you should race RC cars, and not just bash
Auto Transport Is Easy And Safe
Auto Transport Is Easy And Safe
by: Christopher M. Luck
There are a variety of reasons why you may have to may have to use an auto transport service to ship your car or truck, van or SUV, when driving it from place to place just isn?t practical or possible. Lucky, there are likewise a variety of ways which you can go about doing the transporting, based on your budget, or the urgency with which you need your car to arrive.
If you currently own a car and are in the process of moving, the most annoying thing to have to consider is how you?ll get your vehicle or vehicles from your current residence to your next one. You may be moving a great distance, or even overseas, and yet you don?t have the opportunity or time to move your car by yourself. Of course, you need your car at your new home, and you need it there as soon as possible, so you?ll have to consult an automobile transporter to ship your car from A to B. Most transport companies, whether...
Auto Transport Is Easy And Safe
Car > Auto Transport Is Easy And Safe