Great Tips On Lowering Auto Insurance Costs
Keywords: insurance, premium, auto, discount, auto insurance, insurance premium, points, dui, drunk, dmv, dot
With car sales prices continuously increasing, recent hikes in gas prices, and ever present sales and state taxes on our cars it has become vitally important to find ways to save money and keep costs down.
One way to save money is to monitor your auto insurance and make sure you are getting the best deal possible. This may sound trivial, but can easily add up to savings of hundreds and possibly even thousands of dollars over the next few years.
First make sure you are taking advantage of all discounts available to you through your insurance provider. Many insurance companies have good driver history discounts. If you haven’t been in an accident or made a claim in several years make sure your agent adds this deduction - typical savings are 5-15% (easily $100-$400+ in savings per year).
For an additional discount some insurance companies like Progressive and Geico offer discounts for sponsored driving classes. Make sure you check with your insurance company to see which ones it accepts. Many of these classes are free or offered at minimal cost by your local DMV (Department of Motor Vehicles) or DOT (Department of Transportation). For a listing, contact your insurance company and then your state departments (DMV and DOT). These classes also work great for reducing points on your license from minor infractions (speeding, running a red light, etc…). Definitely get as many points taken off as possible. These points can increase your insurance rates 50-100% or more in some cases.
Some insurance companies like Geico, Allstate, and Progressive have recently come out with good student discounts. The requirements can vary so be sure to check with your insurance company. This could amount to an additional savings of 5-10% on your annual premium. Keep in mind traffic offenses can and will nullify this and most other discounts, so drive safely.
Shop around for the best rate. I can’t stress this enough. Every few years just check and see what other insurers are offering. You could see huge savings here and it may have nothing to do with your driving record. Some insurers just have lower claims for a particular model car and therefore will have a lower rate for that car. Just to see the difference call several insurance companies for quotes. You will see a huge range.
When I had a 2000 Ford Mustang GT convertible I was paying over $4000 per year in insurance with Allstate then I checked and found Progressive offered the same coverage for only $1400 (a 75% difference in my premium). Now, that’s not to say that Allstate is a bad insurer, they just have higher claim costs associated with that vehicle and a driver of my age. So, make sure you shop around and definitely check the online insurers like Progressive and Geico as they tend to have lower premiums. Also see what impact raising your deductible will have on lowering your premium.
These items might also seem trivial, but will save you money. Pick a car with lower theft rates and lower premiums. A 4 door 4 cylinder car (Toyota Corolla) will almost always have a much lower premium than the latest 8 cylinder 2 seater sports car (Mustang GT (2+ 2 seating)). It will also get you better gas mileage which in a year could amount to a savings of hundreds of dollars in it self. Stay away from convertibles as they always have higher insurance premiums. Drop unnecessary coverage like collision on an older car. Also stay away from cars with high theft rates (Honda Civics and Accords tend to have some of the highest theft rates and unfortunately you will pay for that with higher premiums and don’t think you won’t.)
One more thing, don’t speed, don’t drive drunk (I don’t need to tell you what that will cost you (it could even cost you your life), stop for all school buses, wear your seat belt and obey the rules of the road. You will be glad you did.
David Maillie is an alumni of Cornell University and specializes in automotive safety products and information. He holds numerous patents and awards for his patented headlight cleaner and restorer. For more information please visit: www.mdwholesale.com
Previous Articles Highlighter:
Enjoying Melbourne, Discover A Whole New World Of Fun (1)
Step back in time to the gold rush era at Sovereign Hill in Ballarat. For a bit of adventure, go down the Red Hill Mine and experience the life of the miners in their pursuit of gold.
How To Learn A New Alphabet And Writing System (2)
If you're having trouble remembering the characters in your new language's alphabet try this small trick: associate shapes or objects to each letter. This is harder to do for Japanese, Korean or Chinese, but rather easy and fun with Russian languages.
Why Kids Are Crazy About Extreme Sports (3)
The positive side of kids being involved in extreme sports in that they are out getting exercise and the television in your living room is starting to collect dust, plus your electric bill is lower.
Do You Know About Downloadable Audio Books? (4)
Students in school may find listening much better than reading the text. People who need self help or learn something new will also be able to do this without straining the eyes forcing one to stop and continue again later.
Improving Your Traction And Sports Performance With Cleats (5)
You can find this variety of cleated shoe at almost any sporting good store, but if you're looking for a source online, you might just want to check out Puma.
How To Distinguish High Quality Boots From Poor Ones (6)
Real boot makers no doubt make the best quality handmade shoes. You can also get excellent quality in specialist shops that have a small client focus. Shops like this tend to try and attract people that want quality, so have a look.
Some Ideas To Help You Revamp Your Treadmill Workout And Make It Less Boring (7)
Unfortunately walking on a treadmill is often thought to be extremely boring, so people tend to give it up sooner than anticipated. That doesn't have to be the case though.
Golf Rules Number Of Clubs Shouldn't Be Overlooked (8)
Golf rules number of clubs does not say that you can't have less than fourteen clubs, just no clubs over that number. With these rules, number of clubs still includes your putter.
How To Memorize Words Faster And Better (9)
In conclusion, remember one thing: never learn new words like a robot. Try to include them to your vocabulary naturally and not force them in your brain. If you can't find a way to introduce them naturally, at least get these words memorized with the help of sounds or images (or even better, both - there are plenty of audio/video interactive language learning websites out there and most of them offer free language lessons).
The History Of Wood Households (10)
Later again, drawers were used in place of the stand, and the pattern that is still made came into being. Many sloping-top bureaus were made in the form known as a bureau-bookcase; that is, with a bookcase above the bureau.
Some Helpful Tips To Help You Choose The Perfect Watch For The Man In Your Life (11)
If he is heavily into sports, pick a watch that suits his needs. Regardless, you must choose a watch that is both a match to his personality and a match to his desires.
More Useful Tips On Bowling (12)
To begin with, that pin standing out there on the lane has a diameter, at its greatest width, of approximately 5 inches. The ball with which you intend to hit the pin has a diameter of approximately 9 inches, which, in effect, gives you about 14 inches of space in which to hit the pin on the left.
How To Entertain A Sick Child (13)
If you have time and the knack you can write little letters or draw funny pictures for the bed-ridden one then mail them. They'll be ever so much more interesting if they come through the mail.
The Book You Need To Read To Help You Succeed In A Coffee Driven World (14)
If you have ever wanted to succeed but had questions on how to get started this book can lead you through the journey. This book can offer suggestions and proven strategies that many people may overlook when opening a business.
Does Chocolate Really Have Aphrodisiac Qualities Or Is It Just A Myth? (15)
Nonetheless, the Aztecs thought chocolate had erotic powers. History is also replete with examples of others who were convinced of chocolate's powers. The courtesan of French King Louis XV, Madame du Barry, apparently made sure that her lovers drank a brimming cup of chocolate before they were granted entrance to her boudoir.
Discount Hiking Boots Don't Necessarily Have To Be Poor Quality (16)
Why not buy a pair of discount hiking boots? We are all guilty of presuming discount shoes are of bad quality without ever really looking at them. They don't cost as much as a computer so they must be bad.
Tips For Thanksgiving Feast (17)
Be sure to allow enough time for each guest to write the answer to the questions as you read. Here's a sample one that's fun: 1. Name the part of the turkey that assists a lady in dressing Comb 2.
What You Should Eat For Optimum Health (18)
Prepare more of your foods from fresh ingredients to lower sodium. Most sodium comes from packaged and processed foods. One suggestion for a healthy diet is to try using a salad as the main dish for lunch and go light on the salad dressing.
If You Getting Into Golf You Must Have A Good Pair Of Golf Shoes (19)
Picture the difficulty of pitching the ball from sloped rough in a slippery pair of shoes. Your feet will be moving around and you'll end up shanking the ball straight at your partners.
How Calling Cards Got Started In The United States (20)
It all started in 1975 with a basic idea to offer people a way to pay for calls when they did not have the funds. In 1976 there was a huge coin shortage in Italy that really set off the use of calling cards.
Newer Articles Highlighter:
How To Prevent Heart Disease And Improve Your Health By Eating The Right Foods (1)
One thing we know for certain is that if you eat a diet that is high in saturated fats like those found in fatty red meats and cooking oils you are going to see an increase in cholesterol which is proven to be a major factor in heart disease.
A Look At Buying Fitness And Exercise Equipment On EBay (2)
I looked at several products: The Total Trainer is a system based on the Total Gym advertised by Chuck Norris and Christie Brinkley. Whereas Total Gym sells for around $500, Ebay had a Total Trainer up for sale at the price of $277 for a straight purchase.
Good Dance Shoes Are A Necessity For Good Dancing (3)
Remember that your dance shoes should depend on the type of dance that you will perform. Always wear your dance shoes on rehearsals, wearing dance shoes for the first time will be uncomfortable, wear them to break them in.
A Look At All The Various Types Of Paintball Games You Can Play (4)
The last paintball game variation we will look at is one sometimes called ?Just Plain Crazy?, also known as superman, total elimination, and counterstrike. This extremely brutal version is played solo or on teams and begins with each player or team at opposite sides of the field.
Fish To Eat And Fish To Avoid (5)
Hightower, an expert of internal medicine at San Francisco's California Pacific Medical Center, to fish around for answers. Hightower studied her own patients, who were affluent and ate plenty of gourmet fish -- swordfish, sea bass, halibut and ahi tuna.
If You Are Considering Buying Exercise Equipment Here Are Some Important Considerations (6)
You also need to consider any health factors that could prohibit the use of certain equipment. If you have poor joints, then some of these machines may actually harm you.
Soccer: America Just Doesn't Get It (7)
While some may argue that human beings have been kicking the ball as a form of sport since time began, soccer's progress as an organized game has simply not permeated American history or consciousness.
How To Fix And Repair Headlights For Maximum Safety (8)
Then find the source of the water. Usually the seals start to go bad after 3-5 years. You can cover the seal around the lens with silicone to reseal the lens.
How To Find Products Wholesale That You Can Sell On EBay (9)
Here are a few ideas to help you get started finding products at wholesale that you can resell. Locally you can look up wholesalers in trade directories and possibly in your Yellow Pages.
The History Of Chocolate (10)
Keywords: chocolate We usually think of chocolate as a sweet candy created during modern times. But actually, chocolate goes back to the ancient people of Mesoamerica who drank chocolate as a bitter beverage.
How To Read Food Labels So You Know Exactly What You Are Eating (11)
Understanding food labels is a very good thing to learn and do. It's important to take care of your body, by taking notice of what you intake, and rationing it out so it stays at a healthy level.
Should You Buy Bowling Shoes Or Just Rent Them (12)
There are more colors and styles available than ever before. You should easily find a pair of bowling shoes to fit your style. If you bowl regularly or plan on joining a bowling league, you may want to purchase bowling shoes of your own.
Tips To Trail The Animals (13)
If the animal was running away or jumping, you'll find sets of prints at intervals. In the case of stags, the prints may be 25 feet apart. The prints of hoofed big game animals resemble the prints a rabbit makes.
Guidance To Improve Your Trailing Ability (14)
Even when you observe this precaution, don't come too close to an animal if you are sweating a lot. Animals have a very keen sense of smell when it comes to human perspiration.
The Importance Of Time Keeping And How It Began (15)
One of the most famous regions known for producing watches is Switzerland. They became famous for their watches over 500 years ago and continue to be a leader in the watch business today.
Is It Best To Exercise At Home Or At A Gym (16)
At the gym, you'll also more of a selection of equipment as well, far more than you'll have at home. If you need other services than just weights and equipment, the gym may have just what you need.
Secrets About Bulimia. Brain Chemicals And Our Mood (17)
Certain people have the habit of eating sweet and starchy foods when they are tensed or anxious; they do this in an attempt to self-medicate. Similarly, moods can greatly be regulated by achieving a serotonin balance in the brain which is possible with the consumption of carbohydrates.
First We Had Portable Music, Now Thanks To The IPod We Can Take Videos With Us (18)
That's the resolution that your iPod can handle. The next step now is for you to simply click Save. You'll see how the encoding is going from a bar that comes on once you save.
You Don't Need A Reason To Give A Cool Gift (19)
To make this gift even more unique and original arrange and display the pictures in a special way, like maybe in chronological order showing the evolution of your relationship or trips that you have gone on together.
Signaling With Drums And Fire (20)
When the Greeks had captured Troy, they announced their victory across the Aegean Sea by fire signals. The stretch from Troy to Mycenae in ancient Greece was divided into eight stages, each between 12 and 110 miles.