4 Keys to Save a $Bundle on Automobile Insurance

By Bill Brankar

Though you cannot always save on car insurance like some companies promise, still it is usually possible to reduce the amount you are paying if you just look around a bit.

The only way you can find out if you're paying too much is by getting price quotes from several companies. There are lots of ways to save. But be aware that insurers calculate rates differently so you need to not only look around but also be sure to compare apples with apples.

The following four areas are things to consider if you want to save money on your auto insurance:

1. Combine Policies - Often you can get the best deal from the same company that insures you in other areas. Check with your homeowner insurer, for example, or your life insurer (assuming they also offer car insurance). They may have preferred rates for current customers. They may also give you a lower rate because you are a long term customer.

2. Group Policies - Just like group health insurance, you can usually get better rates if you are part of a group automotive plan. That's because insurers are able to average and spread the risk over a group of people who have lower accident rates than the general public. Groups include professional organizations, companies, alumni groups and hobbyists like motor cycle clubs, antique car clubs, etc. Some groups like AAA save millions of dollars a year for their members.

3. Personal Factors - Most insurance companies give special discounts to individuals who qualify for certain conditions. Students, for example, often get lower rates for maintaining a higher grade-point average or fro taking a driver's education class. Adults will typically get lower rates for good driving records and or accident free driving periods.

4. Small Insurance Companies - sometimes small insurance companies offer lower rates to certain groups of people or to people living in a certain areas. This is because they may be trying to grow their customer base in a certain area or in a certain class of drivers. Be sure to include one or two smaller companies in your price comparison project.

Comparing your current insurance rates with what other companies have to offer often pays big dividends. It may even be a good idea to do a price comparison every year or two since companies, markets, and economic conditions change rapidly from year to year.

If you look long and hard enough, you can usually find a lower rate or a better deal somewhere. Sometimes it doesn't take much looking. Of course there is something to be said for sticking with a company if its been treating you right. Just be sure you're not paying too much for that treatment. - 21392

About the Author:

Bill Brankar loves to help people reduce expenses especially with auto insurance and other financial instruments. At his latest website - general auto insurance you can learn more about auto insurance comparison.

The Automobile Industry's Electrifying Progress

By Charles Leonard

The progressively admired electric car appears to be growing in speed in specific markets in these previous many years. Though nowhere nearly as prevalent as petroleum based or even hybrid automobiles, with environmental questions and untrustworthy oil reserves, the forthcoming years positively appears to be electric. Governments across the planet are financing research and development of electric cars with a strategy of significantly higher usage within the next several years or so. A range of organizations have individually or jointly made large investments in this technology, and fresh discoveries are being made steadily. But why has it taken so long for the electric car to gain momentum?

For more than a handful of years the acceptance of the electric car seemed to rise and fall on the customer radar. While environmental worries did increase the attraction for these vehicles, gas rates were still moderate in the nineties, and sportier, more luxurious makes were well in demand. The extraordinary developmental expenditure along with the mild response made electric cars an imprudent investment for larger car makers. However, small firms cropped up and took on the task. It was the power crisis in the beginning of the twenty first century that ultimately stabilized the fate of the electric car.

Electric cars began achieving popularity in Europe and America and were promptly followed by particular Asian countries. Electric cars were being manufactured on a comparably lesser scale in all shapes and kinds. Hybrid electric cars, which worked on battery power for a stretch of fifty to sixty kilometers before swapping to the gas run engine. These vehicles ended up being more advantageous because of their capacity to run for longer distances without a battery recharge, a imperfection present in a majority of electric cars.

Vehicles that work totally on electric batteries have found a positive reputation more recently. Infrastructure development has been growing in speed because of private and government money, with plans for extensive and conveniently obtainable support for these vehicles. There are assorted technologies being examined in several parts of the globe, and these include charge spots, battery exchange and charging on the move. Charge areas are places alongside roads and highways where individuals can stop to renew a weakened battery, much like parking meters but with electric outlets. A battery trade would require individuals to stop at a gas pump or other related outlet and quickly swap their battery for a charged one, a process that would take only a couple of minutes. The third variety of technology needs strips of a special kind of material to be set up on roads. The car would recharge through contact while moving along these streets.

The regularly purchasable electric and hybrid cars currently in the market include the Indian and American shared endeavor, REVAi, recognized as the G-Wiz in the United Kingdom, the particularly admired hybrid Toyota Prius, and the most recent Chevrolet Volt and Nissan Leaf. Various car producers are putting off the launch of their variation on the electric car because of the time necessary for a brand new technology to develop into a commercially profitable option. This was the situation with hybrid vehicles, which took just about a decade to become accepted and provide sales.

The real reputation of electric cars will become apparent once the extensive support system is set up. Other areas that need progress include longer drive times per charge and quicker speeds. One thing however is evident. Car owners, like their governments, are taking the electric car more seriously and contributing, at a growing rate, towards the objective of a gas free, zero carbon emission car in the foreseeable future. - 21392

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Car Insurance Ladies - Why It's Different From a Regular One

By Enrico Medina

Ladies benefit more from car insurance companies as they are considered as much less risky drivers. Though we have to be clear on one thing, statistics show that lady drivers do get into as much accidents as men do. However, the amount of damage done to the car is much less therefore cheaper to repair.

This wasn't true before though as ladies were always considered a higher risk than men and would most likely be offered a much poorer compensation package. Until recent statistics popped up and disproved this common theory.

Minor scratches here and there, little bumps, and some dont even involve another car but rather immobile objects like posts and walls. Men however, being more risky drivers often induce their car to more damage.

Car insurance for ladies can be found from general car insurance companies or companies which focus on womens policies. Just like any other product though, its always good to compare prices between companies and policies.

Even just browsing through the internet, you will be able to see a couple of sites which compare various insurances. This is good for us buyers because we can make very good and sound decisions.

Women drive fewer miles as compared to men and this results in the them getting into less car accidents.This gives them the advantage when haggling for premiums, and in most cases will get discounts or freebies. Lady driven cars are also in much better condition as compared to men.

When it comes to general neatness, ladies are more often than not, more organized compared to men. Their cars are then less prone to useless repairs and results to cheaper bills overall.

Only a lady can apply for this type of insurance by the way.They get all sorts of discounts and bonuses just because they are regarded as such. Overall, insurance companies consider them as less risky to engage business with.

They are less likely to have an accident, which means they are also less likely to file large monetary claims from the insurance company. If the insurance company can save money, that means you can as well with cheap ladies car insurance. - 21392

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Limousine

By Derrick Green

You have probably seen that almost all of the most wealthy and famous people use limos. And you have no doubt thought about what it would be like to live like they would, even for just a day. Well, good thing there's a service that allows us to rent limousines now. These majestic cars are no longer exclusive to the wealthy and famous. Now, all of us can rent them whenever the need arises. In fact, if you need to make someone feel special and appreciated, you can borrow a limo. There's surely nothing that makes a person feel more special than a limo. But first, let's find out what exactly a limousine is.

What is a Limousine?

A limo is mainly a saloon car or a sedan that has a lengthened wheelbase. Limousines are driven by chauffeurs. You can differentiate them from normal drivers in that they wear a special formal uniform. In a limousine, the chassis is usually extended, either by the manufacturer itself or an independent coach maker. The ones most people see when they hear the word 'limo' are those stretch limos. You'll notice them because their bodies are quite stretched. Commonly, they're either black or white in color. But some of the rich have started making their limos personalized, choosing their own colors and designs. Nowadays, people can borrow limos for their weddings, for formal parties, or for tours. Also, if you have a special guest, it would be the best welcome if he is picked up from the station by a limousine. Likewise, if you are a guy and you want your prom date to feel loved, then you might do so by having a limo pick her up.

Renting Limousines

As I said before, limos have become widely available to the public. Now, for a small amount, you can rent a limousine and actually know what it's like to ride one. Rates differ from 50 dollars an hour to about 150 per hour, depending on how many people the limo can seat and what type of limo it is. Lincoln Limousines and Chysler Limousines are among the most popular choices. You can also choose what services you will receive in your limo, whether you like to have a phone line, some wine, or satellite TV. - 21392

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Learn more about limousine. Stop by Derrick Green's site where you can find out all about limousine and what it can do for you.

Choosing The Right ATV Trailer

By Jackie Michaels

When you see many choices on ATV trailers on the market, you will be in a bind to select the right one to buy. After reading this article you will be in a position to differentiate between ATV trailers to help you decide the right one for your needs. The terms trailer, wagon and cart are entirely different but many people use them identically.

Basically a trailer has a non-steerable front end and describes one unit to several axles. Units are designed in a manner so that can be trail behind of the tow vehicle. Plus point of trailer is the language, fixed in position, which enable support much easier. It is dependent on tow vehicles brake system mostly and keeps the unit straightens during braking due to strong/hard front end of unit.

A cart can be pushed like a wheelbarrow because it has a single axle. When the brake applied on tow vehicle, cart will automatically stopped and will remain straight due to its rigid front end.

A wagon is different from a cart because it has a steerable front end. A wagon can be controlled independently behind of the tow vehicle due to its steerable front end. No doubt controlling a wagon behind a tow vehicle is difficult task. The one of major advantage of a wagon other than its own braking system is that, it can be turn to the side when going downhill on steep grades.

It's common perception that ATV trailers are same like as a lawn trailer except its huge size. People who purchased ATV trailers of limited feature faced problem a lot latter on. A professional can work with a solid and heavy duty trailer for their purposes.

A roller bearing in a quality ATV trailer allows running it to at higher speed for an extended period of use. To prevent axle failure in rough terrain it should be mounted so the frame can flex. This feature can also be obtained in some trailers, within larger ATV tires at low pressure for absorbing shock due to rough terrain.

The material for cargo beds of ATV trailers should be focused on easily replacement in nature, therefore wood, steel, and poly is often used. Wood being used for this purpose primarily. Easy to paint on steel body is one of the major advantages of using steel. Few years ago poly cargo beds were commonly used, because it prevented it from cracking and breaking in swear weather conditions.

Rotting of wood and rusting of steel give preference to use poly because it do not have such disadvantage. Aluminum is also used for this purpose, but if draw back of such material is that in some cases white-corrosion with bare aluminum exposed to the weather and dissimilarity due to decay. Mostly this happened when steel bolts are in contact with aluminum. - 21392

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