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Auto Insurance Savings: Tips for Lowering Your Premium

It’s not exactly cheap to drive and maintain a car these days. As gas prices waver up and down and salaries fail to keep pace with inflation, it seems we’re all looking for ways to cut costs.

For those of us who drive, auto insurance is a necessary requirement enforced by law. Though we hate paying what we sometimes feel are outrageous premiums, the financial protection we gain from those policies is a trade-off we just can’t live without.

Just ask anyone who’s been involved in an accident lately.

But there is good news. As this mobile society struggles to keep up with increasing costs, auto insurance premiums have finally begun a downward trend.

According to one reliable source, the average auto insurance premium fell almost 2 percent last year, to an average of just over $2,300 per household.

That may not sound like much, but it translates to an average savings of $60 a year.

If you weren’t one of the lucky ones who got a pleasant surprise when your auto insurance policy renewed this year, don’t despair. You can still save money on your premium by following a few simple steps:

  1. Comparison Shop. If you have a good driving record and/or buy a safer car, your premium should go down. Plus, with some companies now charging lower rates, increased competition means better auto insurance rates for you! Take advantage of online marketing services like InsureMe.com to find the best
    auto insurance rates from competing insurers.
  2. Find out what your insurance will cost before you buy that new car. Auto insurance companies typically charge more for cars that are expensive to repair or don’t fare well in accidents. So before you drive off that lot, make sure your new car is considered safe, and relatively cheap and easy to repair
    by your insurer. This will help minimize risk…for both of you!
  3. Ask your insurer for discounts. These cost-savers can lower your insurance premiums more than you might think:
  • Combining two or more cars on one auto insurance policy
  • Buying a car with airbags or other safety equipment
  • Installing anti-theft devices in your vehicle
  • Completing a driver’s education course
  • Insuring your home and auto with the same insurer
  • Applying for a mature driver discount (for those between 50 and 65)
  • Getting good grades (for students under 25)
  • Take the highest deductible you can afford. Your deductible is the amount you pay out-of-pocket, in case of a claim, before your insurance company starts paying its share. The higher your deductible, the lower your premium–it’s as simple as that. Just be sure you’re able to absorb a larger portion of your loss in case of an accident.
  • Improve your driving record. The more tickets and accidents you have, the more your auto insurance costs. So drive cautiously, improve your motor vehicle record, and inform your auto insurance company of the change. They’ll reclassify you as a safer driver, and lower your auto insurance rates in the process!
  • Consider dropping comprehensive and/or collision coverage if you drive an older car. Physical damage coverages like these reimburse you for damages to your own car. But if the vehicle you drive is several years old–or worth less than $1,000–it may not be worth much anyway. Dropping such unnecessary coverage can really save you money.
  • Review your policy regularly, and keep your coverage updated. Your auto insurance rates may fluctuate due to:
    • Adding or removing a driver from your auto insurance policy
    • Replacing an older vehicle with a newer one
    • Adding or removing a vehicle from your policy
    • Increasing or decreasing the number of miles you drive annually

    Talk to your insurer if you encounter any of these situations. Under the right circumstances, you’ll reduce the impact on your wallet–and walk away a few dollars richer!

    If you’re looking for ways to counter prices at the pumps–and everywhere else, for that matter–take these tips to heart.

    Source: http://ezinearticles.com/?Auto-Insurance-Savings:-Tips-for-Lowering-Your-Premium&id=141888

    Auto Repair Information – What Source is Best?

    When looking for automotive repair information, you will find that there are numerous different sources you can use. There is the old standby, the OE factory service manual, but is it always the best resource for auto repair information? What about the aftermarket manuals from Haynes, Chilton, or others? Computers and the internet provide many more sources, such as subscriptions to AllDataDIY, Mitchell’s e-AutoRepair, and online forums.

    So where is the best place to go for auto repair information? The answer is that there is no simple answer! Each of these sources has advantages and disadvantages, and each has its own place. The answer will depend on your knowledge and experience, what type of information you are looking for, and sometimes it is actually helpful to have access to two or three different resources.

    The OE factory service manual for the most part is written for the professional technician that has been trained in automotive repair. A certain level of knowledge, experience, and access to special tools is assumed. That is not to say that it is not useful for the average car owner that does his or her own repairs, because in certain cases there is no substitute. I find the factory service manuals frustrating at times, because it can be difficult to locate specific information. But, they usually have the most complete, comprehensive, and detailed automotive repair information that is available.

    Aftermarket repair manuals such as those from Haynes or Chiltons are geared more towards the average car owner with a do-it-yourself mindset. In most cases, they are perfectly adequate if you are doing mechanical repairs. Where I have found them lacking is in the computer diagnostics and automatic transmission repair areas. Of course, your average do-it-yourself car owner my not be attempting these repairs anyway. One of the advantages to these manuals are that they have lots of photos, which many other resources (including the factory manuals) are lacking.

    A subscription to AllDataDIY or Mitchell e-AutoRepair provides you with the exact same auto repair information that many independent auto repair shops use. Yes, it is geared towards the professional, but it is searchable and much easier to navigate through than a factory service manual. These are probably the best all-around sources for general repairs. They still leave out some things that are covered in the factory service manuals, but go much more in-depth than the aftermarket repair books.

    Online forums can be a very valuable tool when you have a specific car repair questions or a problem you can’t solve. Many have a ton of people with real-world experience with similar vehicles that will bend over backwards to help out a fellow car owner. You do have to be careful, though, because you really don’t know the knowledge level of the person that may be answering your question. Sometimes it is possible to get bad advice from someone that really doesn’t know what they are talking about, or is mistaken about something but is honestly trying to help.

    As I said earlier, sometimes it is helpful to have more than one auto repair info source for certain repairs. Case in point: I recently replaced a convertible top myself rather than pay someone else to do it. When I was trying to get the new top installed, I had a factory service manual, two aftermarket repair manuals, the instructions that came with the top, and a step-by-step tutorial with photos that I found online, and I used every one of them at one point or another!

    Each of these auto repair information resources has value. If I could personally only have one source, it would be the factory service manual, but I am a certified ASE Master Technician. For the dedicated do-it-yourselfer, I think a subscription to AllDataDIY or Mitchell e-AutoRepair is the best all-around source. If all you want to do is replace a timing belt or do a brake job and you don’t mess with computer diagnostics, then an aftermarket repair manual may be your best bet. The online forums and question/answer services are great places to turn to when you get stuck.

    Source: http://ezinearticles.com/?Auto-Repair-Information—What-Source-is-Best?&id=3788922

    Extended Car Warranty

    An extended car warranty is an agreement that is made between you and a car company. In most cases, people will purchase car warranties to protect themselves in the event that their car breaks down due to mechanical problems. The costs involved with repairing automobiles are high, and the prices have continued to increase in recent years. However, it should be noted that a car warranty must never be confused with car insurance. They are completely separate entities. A car warranty is a type of service agreement. The amount of coverage will vary based on the customer.

    If you purchase an extended car warranty, this does not mean that it will replace the standard warranty. However, it will give you a certain level of coverage. While the primary purpose of getting an extended warranty is to lower the cost of vehicle repairs, there are a number of additional features that may be added to the agreement. Before you sign the agreement, it is important for you to read and understand it. You should never sign an agreement with a company you’re not comfortable. Each brand new car that is sold on the market today will come with a special warranty system. The terms and limits of the warranty are different based on the company that manufactures the vehicle.

    If you don’t have the warranty information which is related to the vehicle you purchased, the information should be available in the owner’s manual that came with the car. If you don’t have the owner’s manual, you will need to contact the car company to get the warranty information. It is essential for customers to understand the terms of the warranty that is related to their vehicle. If you don’t know the terms of the warranty, it may expire at a time when you need it to be in force. When many people hear about extended car warranties, they often wonder if they are paying for dual coverage.

    The assumption is often made that it is not necessary to purchase an extended car warranty while they are still using the guarantee of the car company. However, this assumption is not valid. You should purchase an extended car warranty while you are still using the guarantee of the car company. If you do this, you will get a better rate, because your vehicle will have a higher level of coverage. If you wait, this can make it harder for you to get an extended car warranty. In most cases, the coverage can only be extended up to 100,000 miles. There is not standard coverage that is used by all the car companies on the market. The plan you get will vary from one company to the next.

    When you are setting up an extended car warranty, you should ask questions about things you don’t understand. Remember, this is an agreement that is being made between you and the manufacturer. One term that you may hear is called “bumper to bumper.” This is another name for full protection, and it is the highest form of coverage you can get for your vehicle. With this protection, you should be given a list of all the car parts that will be covered.

    Source: http://ezinearticles.com/?Extended-Car-Warranty&id=268379

    Automotive Troubleshooting

    Automotive troubleshooting is one of the easiest ways to figure out what the heck is wrong with your car. It could simply be that a wire needs to be replaced or plugged back in. Things do vibrate loose under the hood of your car on occasion. It’s always best to make sure that it’s not something simple before you run off to the mechanic’s and start dumping hundreds of dollars into your car. Finding and replacing the problem could be very simple for you to do yourself instead of paying a mechanic to replace expensive parts that were never needed in the first place.

    With the economy in it’s current state, it is imperative that families are able to diagnose and repair their automobiles themselves without the need to hire a mechanic.

    Families are trying to cut their cost any way they can and automobile repairs is one area that can be costly and often an unexpected expense that places a burden on an already tight budget.

    There are many websites available for you to look at information that will assist you with your automotive troubleshooting needs. Often just by reading problems that are common with your type of automobile will help you to figure out what is wrong with it.

    It’s always nice to be able to talk with an experienced mechanic if you have one available to you. They will often be able to tell you what the problem with your automobile is in just a few minutes. They can even give you some great advice on how to go about fixing it.

    Source: http://ezinearticles.com/?Automotive-Troubleshooting&id=2461137

    Top 5 Auto Thieves’ Favorite Vehicles!

    Motor vehicle theft plagues all parts of the world and despite many efforts to curtail it, it still remains quite a pain for both the victims sometimes as well as law enforcement agencies. However many countries show a declining trend in motor vehicle thefts. Further, the thieves seem to have a greater affinity for some automobiles.

    Often referred to as grand theft auto by police departments, the act of stealing motor vehicles has many motivations. And range from chopping and selling automotive parts to resale of vehicles and even for joyriding. In the year 2003 there were 1,261,226 cases of auto thefts in the U.S. which further decreased to 1,237,114 in 2004 showing a decline of 1.91%. The following are the thieves’ favorite cars in the USA based on 2004 data.

    #1: Honda Civic: Introduced in July 1972 as a two-door coupe, the Honda Civic is the second-longest continuously running nameplate from a Japanese manufacturer. Now five generations old, it has won quite a few accolades throughout its history. Some of them include Road Test magazine’s 1974 Car of the Year; Motor Trend’s Import Car of the Year; Car and Driver magazine’s annual Ten Best; North American Car of the Year and the North American International Auto Show (NAIAS) Car of the Year.

    #2: Toyota Camry: Now over 6 generations old the Toyota Camry is a mid-size car assembled by Toyota. Launched in the year 1980 it’s manufactured at several places around the world, viz. Tsutsumi, Japan; Georgetown, Kentucky; Altona, Victoria, Australia and Guangzhou, China. In the year 2007 the National Highway Traffic Safety Administration (NHTSA) conferred a five-star safety rating for frontal crashes for both driver and passenger to the car (whether a thief or not!).

    #3: Honda Accord: The car made its debut in the year 1976 as a compact hatchback and later grew up in to an intermediate vehicle. Now 8 generations old, the vehicle has received several awards such as the Consumer Search’s Best Family Car, Motor Trend’s Import Car of the Year, Car of the Year Japan, etc. The car has also been featuring at the European Touring Car scene since 1995. Perhaps, it high value plus the “race-ability” is what makes it attractive for a steal and run operation! Off course, they can split apart its various automotive accessories and the engine and sell it to make money.

    #4: The Dodge Caravan: The Dodge Caravan and Dodge Grand Caravan are minivans manufactured by Chrysler. The sister models of the product were the Chrysler Town and Country, and the Plymouth Voyager that later became the Chrysler Voyager. Being produced since the year 1984, the automobile is now in its fifth generation.

    #5: Chevrolet Full Size C/K 1500 Pickup: This full-size pickup truck line from Chevrolet continued production from 1960 until 1998. The light-duty pickup truck was replaced with the GMC Sierra in 1988 and the Chevrolet Silverado in 1999.

    For more insight into thieves’ favorite cars, and automobile theft, kindly follow me through the URL below.

    Source: http://ezinearticles.com/?Top-5-Auto-Thieves-Favorite-Vehicles!&id=1281446

    Auto Classifieds — Online or Off?

    Auto Classifieds are a great way to sell your car. But you have a choice now to sell online, offline or a combination of both.

    Let me just give you a few quick pros and cons that should jog a decision.

    The Advantages of Online Auto Classifieds

    • wide coverage
    • nice pictures possible
    • more space for description
    • usually can be found from a search engine
    • run it till you sell more common

    Disadvantages:

    • search means customer usually searching for that exact car or near to it – misses buyers who chance on your car
    • depends on traffic of site as too whether your ad is seen
    • lower trust from internet based advertising
    • Misses non-internet people

    The Advantages of Offline Auto Classifieds

    • higher trust factor
    • picks up online and offline buyers
    • no computer knowledge or site technology to interfere with the buying process

    Disadvantages

    • pictures expensive
    • less room for description
    • may miss ‘online only’ buyers.

    You may be able to think of a few more. Now for some facts. The six cars I sold last year, were all advertised in online AND offline auto classifieds, and were sold for the price I wanted. Three were sold from online classifieds and three from offline.

    So from this statistic, the solution would seem to be – spread your message across both mediums.

    Well that’s it for now.

    Happy Selling!

    Source: http://ezinearticles.com/?Auto-Classifieds—-Online-or-Off?&id=43648

    Auto Car Auctions Tips

    Auto car auctions can be a great way to get an amazing deal on a new vehicle. Make sure that you know what you are doing so that you can avoid making mistakes, and walk away with the best deal possible.

    First, you should always know what the market value of the car is. This will ensure that you do not accidentally overspend. Overlooking this fact can have you pay more than the car is worth, so it is important to know this specific information before you bid.

    Bidding can become intensely competitive at times, so if you are planning to bid on one of the more popular cars, keep that in mind. Get there early so that you can take a look at which cars are getting the most attention. You will be able to know which ones will have the fiercest competition by which ones people are flocking towards. If you want to avoid competition, then avoid those cars.

    If possible, take a mechanic friend with you, or at least a friends who knows a lot about the inner workings of a vehicle. You are not able to test drive a car before you buy it at auto car auctions but you will be permitted to start the car and look under the hood.

    Get there early and do not forget to register for bidding. If you do not register then your bids will not count. Be sure that you know of a specific amount that you are willing to spend on a vehicle, and try not to go over that amount. It is all too easy to get excited in the middle of bidding and spend more than you have.

    Governmentauctions.org has listing of where the auctions are going to be held and when they will be held. Auto car auctions can get you a great deal on a car.

    Source: http://ezinearticles.com/?Auto-Car-Auctions-Tips&id=2165790

    Automotive Technology – Active and Passive Safety Systems

    A driver is desperately trying to make a business appointment and fiddles with the phone to call ahead that she is running late. Another flips through a portfolio of CDs trying to find just the right music selection. Both overestimate their abilities and swerve momentarily into the next lane.

    In today’s busy world, people often find themselves multi-tasking; and unfortunately, drivers are taking this trend to the road. According to the National Highway Traffic Safety Administration (NHTSA), not only do the majority of Americans view driving as a routine task (i.e., not worthy of special attention), 50% of all crashes involve driver “inattention.”

    Safercar.gov agrees. It says 90% of vehicles in “fatal, single-vehicle rollovers involved routine driving maneuvers” and 85% of “rollover-related fatalities are single-vehicle crashes.” Based on these statistics, driver behavior seems to play a crucial role in fatal rollover crashes.

    At the same time that drivers are being implored to practice safe and attentive driving, automotive engineers are also eager to create new technologies to help increase roadway safety. Isn’t there some fancy device that could warn a driver when he drifts into the next lane? React when another vehicle is in his blind spot? Apply the brakes before a crash?

    Pre-crash mitigation systems attempt to combat some of the common causes of automobile accidents through warnings and automatic adjustments. Such systems are the focus of research initiatives into roadway safety and include adaptive cruise control, forward collision warning, lane departure warning and side alert systems.

    In a forward collision warning system, the vehicle’s system literally senses the distance between it and the vehicle or object ahead of it in the lane. Predicting the possibility of an accident by sensing the distance between slower moving and stopped vehicles ahead, it warns the driver when appropriate. If a crash occurs, the system initializes precautionary measures – such as pretensioning motorized safety belts and applying brakes. Indeed, active braking in the seconds before a collision can play a major role in crash energy reduction.

    According to NHTSA, some 200,000 accidents every year are due to lane changes. To help reduce the number of these accidents, lane departure warning systems have been designed. They caution drivers when their vehicles leave their intended lanes. Using a monocular camera mounted behind the windshield, the lane departure warning system’s software programs estimate lane width and road curvature, determine the vehicle’s heading and lateral position and initialize a tactile, visual or audible alert to its driver when he or she crosses a line.

    It’s not difficult to guess, then, what side alert systems do. Using infrared sensing and other technologies, such systems help drivers become aware of vehicles in side blind spots. In some models, these sensors are integrated into mirrors, taillights and side fascia. The side blind spot region is scanned for temperature changes to detect a vehicle, a visual indication can be given in mirrors, and, when necessary, an audible alert can be issued. The technology is so advanced, sensors ignore stationary roadside objects and are immune to noise.

    Once an automotive engineer has cameras, IR sensors and radars on a car, there is an opportunity to imagine and develop many more products. And, as automotive engineers perfect these systems, they are likely to become more widely available to consumers.

    Source: http://ezinearticles.com/?Automotive-Technology—Active-and-Passive-Safety-Systems&id=1580603

    Random Thoughts on Your Car Insurance Quote

    We all have to have liability insurance if we intend to drive in forty seven of the fifty states. It is a fact of life and when you get your auto insurance quote, that will probably be the first item listed. Since this is often the most expensive you will need to know what it means. The auto insurance quote will list it as three numbers separated by “/”, i.e. 20/40/20. The first number is the amount of coverage you have for personal injury on one person in an accident. The second number is the total coverage for all the passengers and the last number is the amount of coverage you have for personal property damage. It is usually advisable to raise the coverage above the minimum established by your state. The biggest expense is the initial coverage so adding additional coverage can be done at a savings.

    Comprehensive and Collision Insurance are the two that are designed to cover damage to your car. For a new car it is almost mandatory to have it included in your car insurance quote. For an older car compare the cost of the insurance to what it would cost to replace the car. Emotional attachments aside it may be cheaper to sell the car for junk than to continue to insure it. Your car insurance quote can be reduced by increasing the amount of your deductible on these policies. The higher the deductible the lower the premium but the more out of pocket expense you will have in the case of an accident.

    Have you ever considered how you would get around after an accident while waiting for your car to be repaired or replaced? One item that can be added to your car insurance quote is for a rental car. You will still need to get to work and will need a car to do it. Compare the car insurance quote to the price per week to rent a car and see if it would be worth it to you.

    Source: http://ezinearticles.com/?Random-Thoughts-on-Your-Car-Insurance-Quote&id=3424718

    How to Pray and Receive a New Car – Within 4 Weeks!

    Last month, one of my readers needed a new

    car. He asked the LORD for it. And the Lord

    answered and showed him this beautiful,

    new SUV.

    Only problem was: he had no money to

    buy it.

    He asked me if I had prayer points to

    release the car.

    I gave him my closely guarded recipe

    (one that I used personally to attract

    my new car and my new house).

    Here it is:

    1. Pray the prayer of a DOER according

    to Phil.4:13 (A friend just christened it,

    “The 6 little prayers that move mountains”)

    2. Say to the Holy Spirit

    – I really desire this car

    – but the money is not yet in my

    bank account

    – how can I create value for OTHERS so

    that I’ll be compensated and I can

    buy this car?

    3. Then the Holy Spirit will

    – lead you to go out

    – create value

    – trade that value for money

    – trade that money for the car

    Rapid Result

    – he was able to create a useful product

    – sell it and get the money to buy the

    car

    – ALL WITHIN 4 WEEKS!

    Everyone has benefited – he’s got his dream

    car; others are enjoying the product he

    created; and the amount of value in the

    world has grown for everyone – all within

    4 weeks!

    In A Nutshell

    I have just uncovered to you the

    “Secrets” of what is called the

    “Prayer of the Doer.”

    This is a prayer so powerful, it has

    been kept under lock and key by veteran

    prayer warriors through the ages.

    Among the insiders, it is discussed only

    in “hushed” tones.

    * It is a mysterious prayer that’s been

    known to turn paupers into millionaires

    almost overnight.

    * Those who’ve been tutored on how to apply

    it well have been reported to have started

    businesses almost out of nothing and grown

    them beyond their wildest dreams… in very

    short order.

    Please go through this little piece again carefully

    and let the Holy Spirit speak to your

    heart.

    This is how God wants his children

    to create value in our world.

    Apply these simple steps diligently and you’ll

    soon find yourself swimming in the ocean

    of abundance.

    You can find more information on this

    and more in the latest version of

    my popular ebook, “Prayer Cookbook for

    Busy People.” Plus, the prayer points

    and WHEN to pray them.

    Get it here: http://www.firesprings.com/freereport4.htm

    Be blessed!

    Source: http://ezinearticles.com/?How-to-Pray-and-Receive-a-New-Car—Within-4-Weeks!&id=60065