Cash In On These Car Insurance Tips

By Vernon L. Stevens

If you would like to find out about a few tips that can save you some dough on car insurance, read on! The economy is a state of flux. Jobs are very hard to come by and many people are losing their jobs, we all have to realize that we need to learn to live with less. Because in the US we can't drive with out vehicle insurance, we must take advantage of all the deals and discounts that the auto insurance companies can throw at us!

The first thing you need to do is ask your auto insurance agent for all the discounts that they offer. Some agents when signing up their clients don't disclose all discounts unless they are asked about them. You might be surprised over what you find.

You need to look up how much coverage your state's require. This is usually listed on the states DMV web page. When you sign up for auto insurance, do not settle for the minimums! It will not be sufficient to cover you in a serious collision, and you will have to pay out of your own pocket.

If you can afford to purchase a policy that gives a $1000 deductible or higher, go for it. If you get into a crash you pay the first grand and then your insurance company pays the rest. Setting a higher deductible will lower your premium payments (for example: to save %15 or your premium change your $500 deductible to $1000). Raising your auto insurance deductible can be a very easy way of lowering your insurance premiums but its only good if you can afford it.

Last but not least, credit score is becoming a popular factor for car insurance companies to base premiums on. So when you shop for insurance, make sure your credit is at its best.

Lowering you car insurance prices can be pretty easy to do, but you have to know how. If you take the tips stated above to heart and use them you have a good chance of getting a fine deal on car insurance. If you don't get the prices you would like from your current company then you should think about going online and searching for price quotes from other insurance providers. If your current company is determined to overcharge you then you have the right to find another company. - 21392

About the Author:

Are you looking for the perfect auto insurance quote. Check out our site, all you need is your basic info and your zip code! Click here... quick car insurance quote

Saving Money On Automobile Insurance

By Susan Reynolds

We all want to save the most money possible on automobile insurance. With gasoline prices and repair costs becoming more expensive, the last thing that any of us wants is to be faced with an enormous bill for automobile insurance. So, what can the average driver do to reduce the cost of purchasing insurance? There are several methods of reducing this expense, but perhaps the best kept secret in the industry is the fact that automobile insurers offer discounts to their customers. These discounts reduce annual premium costs to policyholders just like you.

Although these discounts are available, they are not automatically offered. Accordingly, to take advantage of them, you often must be proactive and ask for them. It has been estimated that policyholders overpay for automobile insurance to the tune of millions of dollars per year based upon their failure to ask for discounts that are available. When shopping for automobile insurance, remember to ask whether you qualify for the following discounts. Of course, discounts vary from locale to locale and from insurer to insurer.

A couple more well known discounts are ?good driver? discounts and anti-theft discounts. ?Good driver? discounts are given to policy holders that make no claims on their records. They are essentially trying to help their customers drive more carefully on the roads in hopes of preventing accidents by giving them incentives in the form of discounted insurance. Most companies will increase that discount percentage for every year you go accident free. Putting anti-theft devices in you vehicle is another potential discount. Insurance companies want drivers to put these devices in their vehicles in order to decrease the millions the companies shell out for their customers? cars that are burgled each year. Do not forget to ask about this discount if you have these devices in you vehicle.

Another discount that may be available is based upon advanced driver training. The insurance companies believe that a more highly trained driver runs a lower risk of accident than a less experienced driver. Therefore, if you have taken an advanced driver training course, it may entitle you to a discount, especially if you are newly licensed.

A multi-policy discount is yet another option. Insurance companies want as much business as they can from each policy holder. Therefore, they encourage those who have car insurance with them to also get home insurance or life insurance. Getting multiple policies with the same company allows you to take advantage of discounts often on each of the policies.

Similar to the above discount, many companies will have a multiple vehicle discount. If you are a multi-vehicle family and insure all the automobiles with the same company, you are eligible for this discount. Say you do not use one of these vehicles often; ask about the low mileage discount. Those who drive 5000 miles or less a year may qualify for this discount as well.

Above are just a few options to help lower the cost of your insurance policy. Ask you local agent about these and any other discounts for which you may be eligible. Car insurance companies want to insure low risk clients. Take advantage of this. - 21392

About the Author:

Susan Reynolds is the content coordinator for a leading South African Insurance Provider who specialises in Car Insurance Options.

Extra Garage Space Can Be Made Into A Room

By Stuart Victor

People always need extra room in their houses and right now the economy is bad so people arent moving into bigger ones. If you have a big garage, one thing you can do is to turn part of it into a small apartment or guest room. If your garage is situated in the right place, you might also have the option of building a small room on top of it.

With people needing more space in their houses, many are looking for some garage ideas that can help turn part of their garage into a space that can actually be used. Many people need an extra room and turning the garage into a small apartment works well because you might be able to include outside access to it.

More and more children are moving back in with their parents because of the economy and turning the garage into a bedroom or apartment they can live in is a good solution. To do it correctly though, you have to make sure it is properly heated in the winter so that it is livable.

If you are thinking of garage apartment ideas, you need to consider what type of garage you have and what kind of room you want to turn it into. Some people have detached garages and with those you have more options than with one that is connected and part of the house. Most houses do not have a garage where you can add on to it in any way and in that situation you are limited with what you can do.

There are some other cool garage ideas that guys might like such as turning the extra garage space into a workout area or a hobby shop. The garage is the one-place guys can go to get away and relax and having a special place you can call your own is important. Garages, cars, and men always go together and turning your extra garage space into anything you really want is a great idea. - 21392

About the Author:

Are you looking for ideas for your extra garage space? If so, please visit my website Garage Ideas where you will find lots of different things you can do with your garage such as garage shelving ideas.

Car Insurance Quotes

By Graham McKenzie

If you have a car, the law requires you to have car insurance. There are many drivers who don?t know where to look for the best rates. If you keep your current provider because you?ve been with them a long time and it?s easy for you, or if you don?t carefully consider all your options - it?s very possible you are paying too much for car insurance. Shopping around, asking for discounts you qualify for and having a good driving record are only a handful of things that can save you money on auto insurance.

Comparison Shopping is one of the most important factors to be considered while deciding about car insurance. As the name itself implies, it means getting to know about different insurance schemes and comparing their benefits, price etc. There are a lot of things which should be considered while buying a policy, for instance, your driving style, driving habits, your age, type of vehicle you own etc. Moreover, in the current scenario, where competition is stiff, you might get a service provider who can offer you the insurance policy at a cheaper rate than others.

Your homework doesn?t end after you have secured your car insurance. A periodical check on the available rates that can be offered to you is a must. The rates for car insurance never stay stable. It changes all the year round; also depending on your location you might be able to find a good provider who will be willing to give the best price. Many car insurance providers offer discounts that are related to your driving record, safety features of your car and your age.

If you get yourself the discounted policy then it will enable you to save a lot of money, however the service providers don?t advertise these benefits, usually. So it is your duty to keep your eyes and ears open. Moreover, you need to understand your existing policy thoroughly, so as to know the scope of the new benefits. For instance, a lot of insurance policies give discounts to a good driving record, so here you go, keep the driving record clean and avail the benefits.

Every car comes with certain safety features, which vary from car to car. Depending upon the safety features of your car, you can get discounts on the policies. An insurance company might provide you discounts, if you get other things insured as well from the same company, for example your home and your car.

However, by the end of the day, it is your driving record which will matter the most. A lot of companies declare discounts considering the driving record. The cleaner the record is, less is the chance of an accident and lesser is the risk of your car being damaged, which is a win-win situation for the insurance provider, so they will never mind offering discounts to good drivers.

Insuring the car should be taken seriously. If an accident happens, then your car might get damaged to such an extent where it can be unaffordable for you to repair it but if it is insured then all tension goes directly to the Insurance Company. Insuring your beloved car is always advisable. - 21392

About the Author:

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za, a leading South African Car Insurance portal.

You See GPS Units Everywhere You Go Now Days

By Larry Hoperty

Some GPS makers make units that are trendy as opposed to just functional and one of those companies is Mio. With GPS devices becoming popular with kids and the younger crowd, they like the ones that look stylish and cool. GPS technology has advanced a long and now these GPS units are very commonplace wherever you go.

When it comes to GPS technology and devices, you have to list Garmin at the top. Their name is the most recognizable and their devices are all top notch. Unfortunately, it is difficult to ever find them on sale as this company is trying to protect its name from ever being considered a discount brand.

GPS devices have become mainstream now and as people think of more ways to use them, they become more popular. These units are still a bit expensive side but people who do use them don't seem to mind. All the newer units now come with a directional system that includes a voice telling you where to go. This is great for use in a car for safety reasons and all the car rental companies have included them as an upgrade feature.

Anyone wanting to buy a new or used GPS unit can get them online at many different websites. You can also buy them new at any electronics store but the best deals will be found online. Unfortunately, those deals may not be too great as it is hard to find anyone selling them for a meaningful discount. Since GPS units are still rather new to consumers, the manufacturers dont feel they need to offer discounts to get sales.

The newest GPS devices have all sorts of extra features that make them more advanced than the older models. You will want to make sure you have a good idea of what type of unit you want ahead of time so that you dont end up paying for something more expensive that you will never use. The difference in price between the lower end models and the higher end ones can be many hundreds of dollars for something that most people will only use every once in a while. - 21392

About the Author:

Do you want to find out where to get the best price for the Garman Nuvi 205? If so, please visit my website Garmond GPS to find out more.