7 Easy Ways To Slash Your Auto Insurance Costs

by: Neil Stelling

The law requires you buy auto insurance. So if you must get cover, how can you reduce costs ? Here's 7 easy ways to get the best possible auto insurance deal.

* Multiple Quotes
Get multiple quotes - use the internet and call a few brokers. It's easy to gather some good comparison quotes.
Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.
Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.

* Different type of car
Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you're planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.
Luckily I checked the auto insurance before I bought it, because I couldn't get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.

* Age and Value of Car
Maybe you're buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?
A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you're quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.

* Higher deductibles (excess charges)
Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.
Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !

* Multiple Insurances
I guess this might come under the 'Get Multiple Quotes' heading, but it's still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.
This might mean multiple vehicles, or homeowner and auto insurance. Either way it's worth asking about multi-policy discounts.

* Low Mileage
More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?
Either way, look for low mileage discounts.

* Good Driving Record
A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don't speed, don't drive dangerously, and you'll save money (apart from other benefits !)

* Bonus Tip
Okay, I said '7 Ways...', but here's some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you're a college student away from home, consider adding to parents policy.
This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you'll slash your auto insurance costs.
© DigiLectual Inc. 2004

http://www.autoinsurance--quotes.com/

Discover valuable information and tips to help slash your auto insurance costs.

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About The Author


Neil Stelling is Marketing Manager of New York based, DigiLectual Inc.

Understanding Trailer Brake Controllers

by: Derek Chastain


An electric trailer brake controller is a device that supplies power from a tow vehicle to a trailer's electric brakes. There are two types of brake controllers on the market today - Time Delay Activated and Inertia Activated.

While the controllers operate differently, they are very similar. Both types have the same wiring configuration. Both allow the driver to adjust the amount of braking power and both have a pressure sensitive manual override switch that can be used to apply the trailer brakes independently of the tow vehicle.

Time Delay Activated Brake Controls
Time Delay Activated or "solid state" controllers are enabled by the depressing of the brake pedal in the tow vehicle. Once enabled, time delay activated controllers apply a gradual voltage to the trailer's brakes using a Time Delay Circuit.
The advantages of a solid state brake control unit are the inexpensive cost, low profile, and they can be mounted at any angle. The disadvantages mostly pertain to Hazard Flashers issues. In most applications the digital display will flash with the hazard flashers and if the gain is set aggressively, some pulsing of the trailer brakes may be felt.
Hazard Flasher issues can be resolved by using a Pulse Preventer that will isolate the brake control from the vehicles flashers, thus eliminating the pulsing.

Inertia Activated Brake Controls
Inertia Activated Brake Controllers or Pendulum Style controllers are enabled by the depressing of the brake pedal and activated by a Pendulum Circuit that senses the stopping motion of the vehicle. The Pendulum Circuit applies a proportional voltage to the trailer's brakes.
When the Inertia activated brake control is properly adjusted, the trailer will decelerate at the same speed as the towing vehicle. A result of this is increased braking efficiency and reduced wear on the brakes.

Advantages of pendulum style controllers are efficient braking under a variety of braking conditions including adverse conditions. They also have a smooth braking motion.
Pendulum style controllers have a few disadvantages also. They tend to be larger than solid state controller. They usually more expensive and they must be mounted in a level position. Tekonsha's Prodigy controller is an exception. Due to its innovative technology, it can be mounted in almost any position.

Whether the brake control is Timer Activated or Inertia Activated, the gain can be adjusted by the user. Both feature a pressure sensitive switch that can be used to apply the trailer brakes independent of the tow vehicle. Most importantly, both styles achieve the same goal safely and reliably. Visit http://www.trailerbrakecontrols.com for more information.

Inside-Information Regarding Your Motor Vehicle Accident Insurance Claim

by: Dan Baldyga

Here’s some “Inside-Info” you must know so you won’t be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT’S OWED TO YOU !

The following 8 are just “The Tip Of The Iceberg”:

#1. There are situations where you can collect for your “Lost Wages” even if you were paid by your employer and/or collected “Sick Leave” while unable to work.
#2. You can collect money and be reimbursed for any and all “Over The Counter” (non-prescription) medication you purchased during your recovery.
#3. Under normal circumstances unless a claim ends up in court (several years after impact has taken place and you are fully recovered) you do not have to agree to be examined by the insurance company’s doctor.
#4. There are many times that come to pass where you are entitled to collect the “Gross Amount” of your lost wages, not the so-called “Net After Taxes”.
#5. If you’re a housewife, you can often recover for “Lost Wages” (based on the “Value” of a maid or a domestic servant, who would execute the same work) which you could not perform due to the injury.
#6. You are entitled to extra compensation if you can prove you were forced to cancel a vacation and/or a special event.
#7. Under certain circumstances you may be able to make a claim (and collect for) a personal injury even if your state is “No-Fault” and you already have PIP (Personal Injury Protection) coverage.
#8. Your friends, and even relatives, have the right to execute statements which you can send to adjusters (and/or anybody you feel should get one) going into detail as to what happened to your body and what they’ve observed you’ve had to deal with (via your “Pain and Suffering”) during your period of recovery.
These statements can often provide you with an even greater dollar value - - when it comes to the calculation and then the ultimate settlement of your personal injury claim!
DISCLAIMER: The above article "INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT CLAIM" is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga,nor ARTICLE CITY any guarantee of any kind whatsoever, NOR to they purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain it.
Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury !
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved
Dan Baldyga - Author

dbpaw@comcast.net

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How To Evaluate And Settle Your Loss)

http://www.autoaccidentclaims.com


About The Author

For 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and also a Trial Assistant. He is now retired and spends his time attempting to assist thsoe involved in motor vehicle accident claims so they will not be taken advantage of: dbpaw@comcast.net.