Whether you are in the market for an environmentally friendly or not , auto insurance is something that every car owner has to deal with every year for as long as you own and use a vehicle. But with so much choice and different options available not to mention confusing industry-specific jargon, it's a laborious and confusing task to find good quality affordable insurance.
In this article we can to tackle some of the confusing and complex terms of auto insurance and in the process help you as a consumer to make better choices. By taking the time to learn about auto insurance, you can save yourself money and frustration.
Here's an interesting and fun video on environmentally friendly cars and perhaps a glimpse of what we can expect with electric cars in the future.
Environmentally friendly cars are racing across Australia
"Eco-cars, powered only by sunlight, have been racing 2000 miles through Australia."
Getting back to the focus of this article, if you've ever been in an accident you know what a hassle is to get an insurance adjuster to pay your claim. But if you've read this tip, next time won't be so difficult. Keep a camera in your glove compartment or if you have a smart phone make sure you have it with you when you are driving. If you're in an accident make sure to take plenty of photographs of your car, the other driver's car, and of yourself if you've suffered any injuries. This will go a long way to helping you get your claim paid far with less foot dragging by the insurer.
When considering extras for your auto insurance, you can most likely do without the car rental insurance. You will pay nearly $50 a year for rental insurance, when that is the same cost for renting a car for one to two days. Also, you may want to check that rental cars are in any event already covered under your auto policy.
Another good little tip that can save you quite a bit of money especially over the long term is to avoid paying for your car insurance by monthly instalments. You'll often find that this can get quite expensive when you add it up over time due to the financial charges that are loaded into monthly instalment charges. And if you must pay over time it is better to arrange your own finance through you own bank for example, who may be able to give you a better deal.
Affordable Car Loan Payment?
"Loan Payments affordable?"
The best way to save money on your insurance is to never get into an accident. If you take good care of your car, and are careful when you drive, you will never have to file a claim. Your insurance company will reward you with a discount that can save you money on your premiums.
Do not be afraid to do some comparison shopping for the best automobile insurance policy. There are websites available that make the process of searching through the different companies quick, easy and efficient. You may be surprised by what another company can offer you in terms of cost.
Purchasing the right auto insurance doesn't have to be an overwhelming experience. Use what you've learned here to ask the insurance agent more questions on any aspects of a policy you don't understand. Buying car insurance should always be an informed decision and your agent should always be there to help you understand what you are buying.
Arizona Car Insurance…What Is Too Much To Pay? …."
Auto insurance is critically important because it not only protects you against the financial cost of repairs to your vehicle but it also protects you, passengers, pedestrians and other drivers in respect of the medical cost of any injuries suffered.
Most states set a minimum level of auto insurance coverage that by law you must have as part of your policy. However, these minimum levels are frequently inadequate to provide proper protection in the event of a collision, especially if it is a serious accident.
The following article provides you with important information on the different types of auto insurance and how it can adequately cover you in the event of an accident.
Ask for Mileage Discounts for Low Mileage Usage
If you're using your car for little more than ferrying kids to the bus stop and/or to and from the store, make some inquiries with your auto insurer about low mileage discounts. Standard insurance quotes provided by insurance companies are frequently based on average mileage per year of 12,000 miles. So if you often drive significantly less than the average, you may qualify for this discount.
Attend Safety Driving Class for Further Discounts
Lower your car insurance premiums by taking a safe driver class. Many car insurance companies will offer a discount if you can provide proof of completion of a safety driving class. This tells insurance companies that you are a responsible driver and you're prepared to invest in yourself to be a safer driver.
phones and driving safety
"phones and driving safety"
Importance of Liability Insurance
Never drive your car without liability insurance. This insurance type can save you a lot of money as the insurance company pays the damages you caused to someone. Without this insurance type, you would be liable for all the costs. Choose the coverage that is right for you and your unique situation.
To get the best deals on car insurance you should be sure to understand the types of policies. This is because there are many types of coverage and they each protect you in different situations. Some of them will be more expensive but also provide higher coverage, while others will be much cheaper but not protect you as much.
Simply asking about discounts can save you quite a bit on your car insurance because many insurers have a variety discounts available such as for installing new safety and security options on your car. So, if you've modified your car with new security or safety features, make sure that you make this known to your insurer next time you're buying auto insurance.
Why Medical Payments Coverage
A few years ago, it might have been wise to drop medical payments from your automobile insurance policy when it was common to be able to expect your health insurance policy to cover almost all of your accident-related medical costs. However, these days health coverage is not as generous as it once was, so much so that it is worth looking into re-instating medical coverage in your auto insurance in order to make up any likely shortfall.
Being involved in a traffic accident can be a traumatic experience. However, some of the worry can be relieved by having the right auto insurance coverage. By following the advice and tips offered in this article, you can save money, gain peace of mind and learn how to take advantage of all the benefits that your auto insurance policy has to offer.
When buying a new fuel efficient or environmentally friendly car it always pays to understand the market for the type of vehicle you're interested. This will go a long way in strengthening your negotiating position with dealerships. So keep reading on to find out what to do in order to get a new car at a great price.
Shopping For an Environmentally Friendly Motor
The popularity of Green Cars is Growing
Use the Internet to Research the Vehicle of Choice
Do a little research before you enter the showroom. Auto Dealerships have room to move on the prices they display on cars. A good starting point is to do a little research online first to get a feel for the going market price of the car you are interested in your area. You'll then know how hard you can push the vendor in order to get a good deal.
When buying a used car, be very careful not to be fooled by a very clean and shinny car. People in the business of selling cars will know all the tricks of the trade in convince you to buy. They know that you're not an expert and that you can be easily fooled with cosmetic appearance over actual sound mechanical reasoning for purchasing a car. It's always therefore a good idea to have someone with you who understands the mechanics of a vehicle and can give you some guidance.
if you you do your research as recommended above then this will fall into place. Make sure that when you are car shopping that you know what you're looking for first. Call around to some of the dealerships and see if they have something you'd be interested in. See if they have a website so you can find out more before you going to the trouble of visiting the dealership in person.
Have car insurance in place before you go car shopping. You need to have insurance before they will let you drive the car off the lot, so make sure to shop around for the best. While there are some companies that let you sign up from the lot itself, that may not be the best insurance deal you can get.
The Smart Way to Trade In Your Old Car
If you are going to be trading in your existing vehicle as part of the transaction in purchasing a new vehicle, it is recommended that you keep this information from the dealer until you're discussed sale price. Your first goal is to negotiate down the price of the car you wish to purchase. Once you've got a price that you think makes sense to you, then raise the issue of the trade-in value of your car and see what they offer.
Get a Feel for the Current Market Price
If a dealer offers to give you, a used car that is similar to the new car you are interested in, make sure to check the value of that car first. Go home and take a look at some online pricing guides to help. You may find that while some of the times the deal offered is very good, other times it's just a rouse to get rid of unwanted cars.
You don't want to just take something when you don't know enough about it. Instead, get what you deserve!
Eco-friendly cars report
– the North American International Auto Show 2014
"2014 North American International Auto Show Special Web Site"
Auto insurance is a crucial way to maximize your safety and savings as a car owner. Before purchasing insurance, it is important to carefully research all of your options so that you select the plan best suited to your automotive needs. This article will help you better understand what is involved in choosing and implementing auto insurance.
Research Current Auto Rates & Policy Types
Before purchasing a new vehicle, always research insurance rates. Your insurance agent should know which cars have low premiums. This can be a big help to you in choosing a new or gently-used car. If you purchase a car with a high safety rating, insurance will be quite a bit cheaper.
Know what kind of car insurance coverage your company offers and what is out there. It can help you decide what you might need individually or for your whole family. If your company does not offer what you are looking for there are many others out there.
If you want to keep car insurance payments to a minimum choose a car that has insurance rates that is affordable. So instead of buying that luxury vehicle that perhaps you've always wanted, instead go for something more practical and affordable especially if there are young drivers in the household. Young drivers will only add cost to your insurance and who will pose a potential risk of damage to an expensive car if they should need to drive it.
Lower Your Risk & Your Insurance Premiums
Almost every car insurance company is charging you according to the risk you present, so a great way to save money is to come across as a low-risk driver to the insurer. One way in which you can lower your risk is to attach a GPS device to your vehicle. These anti-theft devices save the insurance companies thousands if your car is stolen, and the savings are passed on to you.
Google Electric Car Security
To keep your auto insurance premiums low, periodically review your policy to ensure you're not including drivers that do not need to be included and if they are simply remove them. For example a teenager that has left for college and who is only home during college breaks
If you are looking to get auto insurance, do not commit to any company until you have gotten multiple quotes. You can do this online without having to speak with an insurance agent or sales representative. By getting multiple quotes you are reducing the chances of auto insurance companies cheating you.
Save By Bundling Policies
You can pay less for auto insurance if you subscribe to a bundle insurance. You can insure your house and all vehicles with one insurer and save a good deal of money. Compare the cost insuring home and car separately against having them combined before finally deciding to bundle insurance policies.
If you are involved in a hit and run accident, you need to report it to your insurance company right away. They will be able to send an insurance adjuster to the scene of the accident. They will take pictures and sometimes they are even able to cut you a check to get your car repaired right there on the spot.
Know what factors affect your car insurance rates. There are 3 key considerations that heavily influence auto insurance rates: age, gender, and driving record. Drivers with less experience and who are male have higher insurance rates. Points on your license will also impact your eventual rate.
Personal Injury Protection Insurance
Another type of car insurance coverage in your policy, is medical coverage. This coverage takes care of your injuries and those injuries to other people in your car. Some states just make this a optional coverage in your insurance. If you live in a no-fault state, medical payments are replaced by personal injury protection.
Be aware of any medical coverage that is included with your auto insurance policy. There can be a section on medical payments. This coverage pays for injuries to you and any occupants of your car. In some states, this is optional. In the"no-fault" states, personal injury protection will replace medical payments as part of the regular coverage.
Think about whether you should get personal injury protection coverage. This insurance covers you and your passengers no matter who is at fault during a car accident. If you have great health insurance for yourself you may not need the coverage. However, if a spouse or other family member is uninsured, it's usually a good idea to take this extra coverage.
Write something here about electric car insurance and insurance law NEW 2013 Tesla Electric Car Model S Review HD
Insurance Law – NEW 2013 Tesla Electric Car Model S Review HD
"Insurance Video..Electric Car"
Bodily Injury Coverage
When purchasing car insurance, avoid unnecessary add-ons that you don't need. For example memberships to a Motor Club or Travel Club, and Accidental Death Insurance. These add-ons tend rarely to ever get used and end up just pushing up the cost of your auto insurance. Focus instead on the types of coverage that you do need especially compulsory coverage required in your State e.g bodily injury coverage.
As this article has now explained, there are many factors to take into consideration when selecting and using an auto insurance plan. Car owners should not go without insurance, but it is important not to rush into a plan that does not correctly fit your needs. Using the advice from this article, take your time to carefully incorporate the right type of auto insurance into your driving life.
Green energy products are getting better every year. It is now becoming one of the best ways for reducing the cost of day-to-day home energy and heating.
So I’d like to first kick off this blog with some general thoughts on being responsible and giving a damn about the environment with some smart tips on going green from the home to what you drive every day and how it impacts our world.
An interesting image relating to electric cars called Smart electric drive
Smart electric drive
“Smart electric drive Smart electric drive”
Switching your home to solar power may be too much of a financial stretch. So try switching just one room, like a bed room, to solar power. You can get solar kits online to help you “green a room”. Even this small step can have a positive impact on your energy bills and the carbon footprint you leave, for years to come.
Thinking about getting a hybrid car?
Electric cars currently may have many flaws, such as the low number of charging stations but things are improving rapidly every year.
With a hybrid car, you can use either gas or electric power, depending on what is available. Invest in a hybrid vehicle if you live close to a charging station or can get your own.
When you think about green technology you don’t have to think about solar panels and electric cars alone. There are many little things you can do in your everyday life that can contribute to the environment. Think about an electric lawnmower, or changing the light bulbs you use in your home. Every little effort counts.
If you are wanting to conserve energy and go green, then consider buying a car that uses either natural gas, or is all electric. Both of these sources of energy are far cleaner than burning fossil fuels and reduce your carbon footprint. If you cannot afford one of these new cars, you can still help by driving less.
As consumers we can exert powerful influence on manufacturers. By selecting to purchase cars that stand out as being more environmentally friendly than their peers, we can encourage more change and a stronger movement into renewal sustainable energy goods such as car and electronic that utilise these green technologies.
To help you reduce your carbon footprint and also save plenty of money on gas for your car, consider investigating the benefits of the electric car. Although electric cars are still quite a bit more expensive than gas fuelled cars, the next couple of years look promising in terms of development of more efficient electric car batteries and at a much more affordable price.
For an interesting video from the Top Gear show on the most environmentally friendly cars – The most Eco-Friendly car ever, which this video.
Top Gear – The most Eco-Friendly car ever
“All right belong to the BBC Channel. I do not own this stuff. — Hamster is driving the most eco friendly Porsche ever made on planet earth!”
Electric vehicles are a great investment when it comes to green technology and helping the environment. Even though they can cost thousands of dollars more than regular vehicles of the same type the benefits in the end are much more rewarding. You save a lot of money on gas and you help out the environment a lot as well.
If you are thinking of buying a car in the future you might consider either and electric car, or a hybrid car. A lot of people like to help the environment in any way shape and form that they can an electrical and hybrid car are great ways of doing that. They have gone down in price over the years so a lot of people can actually afford this type of vehicles these days.
You should now have a better idea of some of the things that you could do to make your home more green. And in doing so not only will you be reducing your carbon footprint but you will be making some valuable long term savings in the process.