Archive for January, 2010
January 31st, 2010 | 
Author: Top Ten Ways To Save Big Bucks On Your Auto Insurance
One of the best ways to keep your auto insurance costs down is to have a good driving record.
Listed below are other things you can do to lower your insurance costs.
1. Shop Around
Prices vary from company to company so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your Preimum Vehicle GPS tracking device may also provide additional Insurance Discounts prices charged by major insurers.
You buy insurance to protect you financially and provide peace of mind. It’s important to pick a company that is financially stable. Check the financial health of insurance companies with rating companies such as A.M. Best http://www.ambest.com and Standard Poors http://www.standardandpoors.com/ and consult consumer magazines.
Get quotes from different types of insurance companies. Some sell through their own agents. These agencies have the same name as the insurance company. Some sell through independent agents who offer policies from several insurance companies. Others do not use agents. They sell directly to consumers over the phone or via the Internet.
Don’t shop price alone. Ask friends and relatives for their recommendations. Contact your state insurance department to find out whether they provide information on consumer complaints by company. Pick an agent or company representative that takes the time to answer your questions. You can use the checklist on the back of this brochure to help you compare quotes from insurers and on the same coverage.
2. Before You Buy a Car Compare Insurance Costs
Before you buy a new or used car check into insurance costs. Car insurance premiums are based in part on the cars sticker price the cost to repair it its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. These include daytime running lights and antitheft devices. To help you decide what car to buy you can get information from the Insurance Institute for Highway Safety www.iihs.org.
3. Ask for Higher Deductibles
Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles you can lower your costs substantially. For example increasing your deductible from 200 to 500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a 1000 deductible can save you 40 percent or more. Before choosing a higher deductible be sure you have enough money set aside to pay it if you have a claim.
4. Reduce Coverage on Older Cars
Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Or you can look it up online at Kelleys Blue Book http://www.kbb.com. Review your coverage at renewal time to make sure your insurance needs havent changed.
5. Buy your Homeowners and Auto Coverage from the Same Insurer
Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for longtime customers. But it still makes sense to shop around! You may save money buying from different insurance companies compared with a multipolicy discount.
6. Maintain a Good Credit Record
Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price auto insurance policies. To protect your credit standing pay your bills on time don’t obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.
7. Take Advantage of Low Mileage Discounts
Some companies offer discounts to motorists who drive a lower than average number of miles a year. Low mileage discounts can also apply to drivers who car pool to work.
8. Ask about Group Insurance
Some companies offer reductions to drivers who get insurance through a group plan from their employers through professional business and alumni groups or other associations. Ask your employer and inquire with groups or clubs you are a member of to see if this is possible.
9. Seek Out Other Discounts
Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. If there is a young driver on the policy who is a good student has taken a drivers education course or is at a college out of the area without a car you may also qualify for a lower rate.
b>10. Other Discounts
Check with your Insurance company to see if they offer discounts for having a G.P.S vehicle tracking device installed in your car or truck. with a Horizen Tech.GPS Tracking device you could lower your insurance costs by as much as 20http://www.jpdigitalgps.com/
When you comparison shop inquire about discounts for the following:*
500 deductible
1000 deductible
More than 1 car
No Accidents in 3 Years
No Moving Violations in 3 Years
Driver Training Courses
Defensive Driving Courses
AntiTheft Devices
Low Annual Mileage
Air Bags
AntiLock Brakes
Daytime Running Lights
Student Drivers with Good Grades
Auto and Homeowners Coverage with the Same Company
College Students away from Home
LongTime Customer
Other Discounts
installing a Approved GPS tracking device
About the writer: Patrick is an average Christseeker. His goal is to turn people to Jesus Christ. www.KoGmedia.com www.BooksByPatrick.com
Posted in 
Top 5 Car Safety Features
Since the introduction of cars various car safety features have been built into cars for the safety of drivers as well as other car passengers. Gradually as the number of new cars are rushing in the rate of accidents and road fatalities are increasing on Indian roads. The key factors contributing to the increased rate of accident are rash driving driving under the influence of drugs and alcohol driving while fatigued and encounters with road hazards like bumps potholes and other objects.
Here are the top 5 car safety features that prevent accidents and also reduce the impact of accident on human health.
Airbags
Airbags are one of the recent addition in the list of car safety features. These are mainly positioned in the centre of the steering wheel and above the glove box on the passenger side. These are associated with crash sensors that get inflated in case of an accident.
Once the car meets an accident in about 15 to 20 milliseconds the crash sensors decide whether the airbgas are to be deployed or not and then within 25 seconds they start inflating rapidly. In only 45 milliseconds the airbags get completely inflated and disperse the impact energy in case of an accident.
The key function of the airbgas is that it acts as a barrier between the car passenger and the hard surfaces of the car’s interior. It is believed that the frontal impact is reduced by about 30 with the airbags fitted on the steering wheel. Earlier only frontal airbags were introduced but these days the number of airbags fitted in new cars are gradually increasing to ensure maximum safety for all the passengers.
Antilock Brakes
Antilock brakes ABS is one of the most significant armoury against road trauma. It prevents wheel lock up and eventually prevents skidding especially on wet roads. ABS helps reduce loss of traction in case of an emergency and also increases driver’s ability to steer the car.
The system works based upon sensors controlled by a computer. The sensors sense out when the wheels are about to lock up and just before that it automatically reduces the speed of the wheel by releasing pressure on the brake. The applied pressure gradually brings the wheel to stop without experiencing any lock up. ABS is some of the new cars are also equipped with electronic brakeforce distribution that releases right amount of stopping power to wheels and improves performance on wet roads.
Adaptive Cruise Control
Adaptive cruise control is a technologically advanced version of the conventional cruise control system. It helps the driver to maintain the car speed in accordance to the traffic situations. It also helps the driver to maintain a preset distance behind the vehicle ahead by using the throttle and brakes. If in case the driver increases the car’s speed it automatically reduces the engine performance until a safe gap with other vehicles is restored.
Some of the potential advantages of adaptive cruise control are to reduce accident rate reduce driver’s fatigue and also increase fuel efficiency.
Electronic Stability Control
Electronic stability control ESC is a computerized technology that improves car safety by detecting and preventing car skid. This innovative safety technology uses sensors that monitor the steering manoeuvre in accordance to the direction of the car. If there is any kind of discrepancy between the steering input and the direction of the car the ESC automatically actuate brakes or reduce engine performance so that the driver can stay in control of his car.
Active Head Restraints
Active head restrains play its role when the car is struck from the rear. In such a case it causes a sudden movement of the occupant’s back against the seat. It consists of a pressure plate and a pivot system in the seat back properly positioned behind your head. In case of an accident when the body of the passenger moves into the seat back it directly contacts the pressure plate and triggers the active head restraint. This provides a constant support for the head.
About the writer: Carazoo.com
Tips To Find Right Atv Dealer
These days ATV’s are becoming a growing craze amongst the adventure seekers. They are also known as all terrain vehicles as they are absolutely suitable for driving on almost every kind of roads and every kind of regions. They provide a very new and different riding experience to all those who want to try it out. Though these vehicles are rare but the internet can provide you with all the details that is required by you to become an ATV encyclopedia. And if you are an ATV enthusiast the internet can get you thousands of used ATVs for sale.
One should be extremely careful before making such a deal as many of these websites are just a hoax. Since ATVs are a type of vehicle which requires a lot of specialization one must be very careful before buying one for themselves. Since most of the dealers on the internet are just former owner who know almost nothing about the vehicle one should always look for professional dealers who can give the buyers all the details that they require.
The best way to be sure of a good deal is to go for websites which specialize in selling ATVs and not those who sell assorted items. This is important because only the specialists have all the knowledge required to satisfy your need for information and quality. One should not trust their treasures to someone who is not creditable enough or informed adequately to take care of it.
Finding accessories driving technique spare parts maintenance information and a numerous other concerns in ATV must not be neglected. Not only the internet but some local motorcycle dealers also have ATVs for sale there by leading to a very competitive market. As a result of this competition the prices of the mean machines are at an all time low so why not make full use of it?
About the writer: If you are looking for more information then feel free to visit Atv for sale and Used atv