Avtorentacar.com presents you “How To Save Big On Auto Insurance Costs”, an article written by David Maillie. We hope you’ll find a lot useful information in here.
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With a stagnant economy, prices on everything rising, the constant threat of high gas prices, and recent sales and state tax hikes on our automobiles has made it important to find ways to save anywhere we can. A big and easy area to save lots of money is auto insurance. It is amazing that regardless of the commercials like Geico and Progressive telling people to shop for the best rate that 90 percent or more never do. You need to make sure you are getting the best deal possible. You work too hard to through easy money away and make insurance representatives and executives rich. Recent research shows that you can save hundreds or even thousands of dollars just by making a few phone calls and shopping around a little bit.
According to the Insurance Research Council the average savings by shopping around auto insurance carriers is $847. That’s $847 per year and that is a lot of money to throw away. To start saving first call your auto insurance company and ask if you are getting all the discounts you qualify for. Most will happily oblige you on this as they want to keep their customers happy. Discounts could be for things like no accidents, age, sex, driving history, college student, even good grades (I believe just Allstate has this one right now). Discounts of 2 percent to 5 percent may not seem like much but could easily become several hundred dollars or more per year really fast. The biggest deduction is usually a clean, accident free driving record and that can be from 4 to 20 percent or more per year in savings. Just be careful as it only takes 1 infraction to nullify most or all of these discounts.
| Avtorentacar recommended article: Ford F-150 Series Mobile Office in Cab Ford in order to prop up sales is allowing dealerships to offer their customers of their F-150 Light Pick-ups a Stargate mobile office system, which turns their work truck into a mobile command center office on wheels. The system will include a wireless connection, computer, GPS system and workstation. The system debuted at the SEMA Show in Las Vegas. SEMA is The Specialty Equipment Market Association. The system could be available as soon as the New Years 2006 at a price of between $3,000 and $5,000 for new truck buyers of any of the “F” Series Pick-ups and they are shooting for the F-250 Series for the construction trade and the F-150 series for the small business owner. Over sixty percent of the buyers of F-series trucks use them for business. By the end of 2006 this system could be a factory-installed system. The truck battery or an optional additional battery on board powers the Stargate Mobile Computer system. The stand sits between the passenger and driver and can fold away when not in use. The system will be installed and run on Microsoft's Windows XP, as they have teamed with Ford to bring this system to Ford Buyers of the F-series pick-ups. The computer has a touch screen system and can be removed for meetings or use inside the home or office. |
Check and see if you have any points on your license. If you do not remember if you have had a recent (last 4 years in most cases except DUI), just call your auto insurance agency. They can tell you exactly how many points, why or what the infraction was and what you can do to fix or reduce them. Many auto insurance agencies or companies sponsor safe driving classes if yours does not a simple call or visit to your local DMV will reveal many classes that can remove or lower points and reduce insurance costs or award deductions. Many of these classes are only a one day affair for 4 to 5 hours. Some are free and some may cost $20 to around $50. Regardless, in what they will save you in one year alone it is well worth it.
And the big one, shop around. You need to do this every few years even if your current auto insurer is the best, they may not be in two years. Rates are constantly changing along with crash test and theft recovery numbers. It also depends on where you live. If you have recently moved or are planning a move then shop your auto insurance. The same auto insurance company may have totally different rates (and probably does) in different cities. Even if you have had some recent infractions or just received one, shop your rate. You need to do this as you will save big money. The average savings for all insured persons that shop their rate is $847. The average for those that don’t is obviously a big fat zero. Definitely include Progressive and Geico in your shopping as they will usually have the lowest rates and best service. I have personally found Progressive to have the lowest rates in New York and North Carolina.
It is also a good idea to drive safely and to continue to drive safely (non aggressively). It will not only save you big on insurance, but it could save your life or the life of someone else. And never pass a stopped school bus. There is a reason why its 4 points or more on your license, respect school buses and kids for they may not always see you and if something bad were to happen you would never forget or forgive yourself.
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For more great information, tips, safety and money saving products please visit: Save Big On Auto Insurance, Driving Costs, Gas, Headlight Repair And Headlight Restoration |
| Avtorentacar recommended article: Preventing Head On Collisions Head On Collisions can be prevented. Be aware while driving. The fatal flaw of all head on collisions is that the driver was not aware of either the speed of the approaching car and misjudged or did not see the car until it was too late. A head on collision is more apt to result in a fatality than any other type of collision. Faulty driving maneuvers that might cause a driver to cross the centerline include: Bad passing judgment; Driving around a curve too fast for conditions; Left turns directly into the path of on-coming vehicle; Wide right turns; Failure to interpret pavement markings; Over correcting from a right wheel dropping off the pavement. |
Keywords assigned to this article by Avtorentacar: auto insurance, points, infractions, save money, insurance costs, auto insurance rates, discount
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