TIPS ON CAR INSURANCE

There is no monopoly of any market in our modern economy therefore consumers are advice to always shop around for the lowest car insurance rates

Tip while planning for the best insurance policy are given below and are self explanatory..

Have your driving record

Have your driver’s license record before shopping for car insurance. Many of us have errors in our driving report that drive up our auto insurance rates. Sometimes ago while sampling public opinion many people admitted they had a 20% error rate, and said it was normal. Just like your credit history determines your car loan approval, your driving record determines how expensive your auto insurance will be.

Discounts on Car Insurance

You have to bargain likewise every other person, especially as car insurance goes up every year. There are discounts if we can satisfy some basic criteria. Make sure you ask your insurance agent if you qualify for any of these discounts.

Car Insurance Discounts You May Qualify For

Automatic Seat Belts

Automatic seat belts are those annoying belts that choke you when you close the door. Some companies might discount up to 30% off Personal Injury Protection and Medical Payments coverage if the driver and passenger sides have air bags and automatic seat belts.

Anti-theft/Alarm

Some companies give discounts off the Comprehensive premium when an active anti-theft device is present. This usually means a burglar alarm. Some companies may discount more if the alarm arms itself automatically when you turn off the vehicle.

Driving School

Some companies give drivers under age 25 who complete a state approved drivers education class up to 10% off on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Collision coverage.

Safe Driver

Sometimes if you're a safe driver, usually 3 years with no points, you qualify for additional savings on different types of coverage. The insurance company will let you know. Usually on your insurance bill you'll see something that says "Your premium reflects the maximum discount allowed for safe driver".

Multi-Car or Home & Car

If you insure 2 or more vehicles on the same policy some companies may give you a discount. They may be equally generous if you have your home and both cars insured with them as well.

Safe Vehicle

Some insurance companies classify certain cars as "Safe Cars", meaning there's statistical data to suggest that there's less risk of injury by way of design, air bags ABS, etc. Find out if your car qualifies for this discount.

Choosing a Reliable Insurance Company

You must have gotten most of the information you need to make a decision. However, you have to consider the reliability of the insurance company. How reliable is this choice insurance company.

You have to consider these things before reaching a decision:

• Visit your state's department of insurance and check consumer complaint ratios and basic rate comparison surveys.
• Get in touch with local body shops or dealerships you trust and ask which insurance companies they recommend.
• Check out the financial strength ratings for an insurance company by referring to the Standard & Poor's ratings.
• Look over J.D. Power and Associates' consumer satisfaction surveys reviewing auto insurance companies.

HOW TO SAVE MONEY ON GASOLINE

One of the determining factors for choice of car by a user is the cost of maintaining that type of car, which car is more economical most especially with respect to Gas consumption and couple with the Gas price on the rise. Therefore there is the need for car user to know how to conserve Gas and save money for other expenses.
1. Keep your car tuned up. Cars in poor running condition use more gasoline.
2. Plan trips well to avoid unnecessary driving. Knowing your route on transit.
3. When you run your air conditioner you get much worse gas mileage. Use your air conditioner sparingly. If you have a lower setting, use it. Turn it on until the car gets cool, then turn it off and let the fan circulate the cool air. Never run your air conditioner with your windows open!
4. Keep your windows closed when traveling at high speeds. Open windows cause additional drag and lower your gas mileage. At high speeds, an open window can use more gas than many air conditioners (especially if they are on a low setting).
5. Check your tire pressure. Over-inflated tires can actually reduce your fuel efficiency, so don't overfill.
6. Take unneeded items out of the car. To avoid excessive load..
7. If you are stuck in a traffic and you don't think you are going to go anywhere in the next five minutes, turn your car engine off.
8. You no longer need to warm your car up for long periods of time, especially new cars. New cars are made to run when cold.
9. Don't travel at fast speeds in low gears unless you need the compression to slow down.
10. Try to drive the speed limit. Don’t over speed.
11. Try to accelerate slowly when leaving the stop light. It's not a competition with the driver in the lane next to you. The fastest person through the intersection just gets to spend more on gas.
12. Revving the engine needlessly wastes gas. There is no need to rev before you turn your vehicle off.
13. Try to arrange car pools with co-workers to share the cost of commuting to work and also alternate using public transport system..
14. Walk, bike or run to your intended location whenever possible.
15. And last, the biggest and most important step towards saving money on gas is always try to purchase vehicles that is economical in Gas consumption.
Having followed these tips you stand the chance of running your car with less cost.