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How to Buy Cheaper Auto Insurance Than Your Friends!
by: Codrut Turcanu


What if all of your friends are the same age as you, have
similar driving records and credit reports, and own vehicles
like yours?

Believe it or not, that doesn't necessarily mean you will
have the same auto insurance premiums. Wouldn't you like to
be the one who gets the same policy, but gets it cheap?
All it takes is some know-how, and realizing what to look
for when shopping online for your auto insurance.

Shop around—and online.

Consumer groups tell us that the primary reason people
don't get cheap auto insurance is because they don't
comparison shop. It is the simple truth that there are so
many auto insurance companies out there, you'll never find
the same insurance quote twice. That's why shopping online
is the single best way to find cheap auto insurance.

Online services offer quotes from multiple insurance
companies, often within minutes. You can then choose the
carrier that offers you the same policy at the cheapest
rate. Your neighbor may be sticking with the same auto
insurance company out of habit, but his failure to shop
online for a cheaper rate is his first mistake.

Get all the discounts.

When you are shopping online for a cheap auto quote, make
sure and read about the discounts that are offered. Most
insurance companies offer, for example, a multi-car
discount. In addition, there may be a good student discount
that makes the policy cheaper for youthful drivers. Don't
think you or your kid will qualify? Read the fine print.
Often, the good student discount isn't as hard to get as
you may think.

Have you had insurance for the past six months? By
providing the online service with proof of prior insurance,
you may also qualify for a cheap rate with your new
insurance company. What about your house—do you own it? If
so, many auto insurance carriers also offer homeowner
insurance, or even insurance for your boat or other
property, and that discount can bring that rate down to a
level cheap enough to make even your brainy brother jealous.

Check your driving record.

Many people pay the pricey amount that shows up on their
bill, never realizing that an error in their driving record
is the culprit. Your insurance company usually gets an
electronic copy of your driver history and applies any auto
accidents and tickets toward your premiums.

If you take the time to get a copy of your record and find
an error, you can easily have it removed, bringing you
closer to your dream of cheap auto insurance. Additionally,
make sure that you have gotten credit for any safe driver
courses you have taken in the past.

Ditch the spouse and kids.

No, you don't have to leave your family to get cheap
insurance. But your auto insurance company may allow a
split policy, which could get you a cheaper premium. If
there is a "certain someone" on your auto policy that has
a bad driving record, the rates may be higher for everyone.
Additionally, if there are any youthful drivers on the
policy, they may be keeping the more experienced drivers
from qualifying for the best rate. In many cases, it is
just a matter of moving the offending driver to their
own policy, and presto, cheap insurance!

Make sure you know your options and check them all out
when you're shopping online for auto insurance. Even if
you've got the best car on the block, the smartest kids,
and the biggest house, there's just something about buying
cheap auto insurance that can make you feel superior.



About the author:
Who Else Wants to Discover the Shocking Truth About Auto Insurance Online? Quick Tips, Fresh Articles & Top Resources to help you apply for Auto Insurance Online, Find a New Insurance Company, Get Insurance Cheap & Insurance Quotes: http://My-Top-Sites.com/auto_insurance_online.html


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Tips For Winter Driving
 by: David Maillie

Winter driving can be hazardous and stressful. Wind, snow, ice and blizzard conditions increase the normal dangers of driving. There is a lot you can do before the winter driving season and during a storm to protect yourself and your family.

Before winter arrives, have your car inspected to be sure it is ready for the road conditions. You can do this yourself or take it to a qualified mechanic. Check the battery, wipers and fluid, thermostat, brakes, ignition system, antifreeze, exhaust system, lights, oil level, heater and defrosters. Make sure everything is in good working order to keep you safe throughout the cold weather.

Check your tires to be sure they are road ready. Install tires that are appropriate for the driving conditions. In moderate amounts of snow, all weather radials will do the job nicely. If you live in a climate where you experience a lot of snow, consider snow tires. These have better tread to deal with snow and ice.

Prepare an emergency kit to keep in the back of your car. This will ensure that you are prepared in the event that you get stuck in the snow. Things to include in the kit:

Ice scraper
Small broom
Small shovel
Kitty litter or a bag of sand (to give traction if you get stuck in snow or ice)
Blankets or a sleeping bag
Flashlight with batteries
Flares or warning triangles
Plastic bags
First aid kit
Tool kit
Jumper cables
Bright cloth to use as a flag
Help sign for back window
Extra hat and gloves
Food and water to sustain you if you get stuck
A book, Bible or Prayer Cards to keep you busy and calm in the event you get stuck.
Charged cell phone (always carry this, especially in the winter)

Keep your gas tank at least half full at all times. This adds weight to the car and will ensure that you won’t run out of gas in the event you get stuck.

Driving in the Snow

Pay attention to the weather forecasts and road conditions in the winter months. If the weather is bad, stay home if at all possible. If you must venture out, travel in the daylight. You are more likely to find help if you get stuck during the day. Never warm up your vehicle in the garage. This releases carbon monoxide, which is toxic and can kill you.

When driving, always wear your seatbelt. Wear sunglasses to protect your eyes from the glare of the sun reflecting off the snow. Know your car and how it handles in the snow. Features like traction control and antilock brakes can be useful in bad weather conditions. Know how these work and if your car is new, practice driving it in a snow covered parking lot before venturing out on the road.

Take it slow, especially in icy conditions. Don’t tailgate and be sure to allow a safe distance between vehicles. Do everything slowly, stopping, accelerating and turning. Leave plenty of time and space to maneuver. Sliding and skidding usually happen when turning, stopping or accelerating. Going extra slow will ensure your safety.

If the visibility is low, slow down even more. Consider getting off highways and driving even slower. This will take you out of the path of large trucks that can cause accidents. Use only your low beams, as your high beams will reflect back off the snow and won’t increase your visibility. Turn on your hazard lights to be sure other drivers see you.

In the event your car gets stuck, don’t get out. Put up the hood and tie your cloth to the antennae. This will make you more visible to emergency vehicles and other drivers. Keep the windows, air grill and tail pipe clear of snow. Wrap up in blankets and huddle up with passengers to stay warm. Run the heat for fifteen minutes each hour to keep from freezing. Move your body around to stay warm.

Keeping your car clean throughout the winter is important. Salt on the roads is important for safety, but will wreak havoc on the finish. If left on for long periods, it can cause rusting. Wash your vehicle weekly to remove salt and wax to protect the paint. Salt also leaves a coating on your headlights that can impair their operation. This will make you less visible to other vehicles. New Lite Headlight Cleaner and Restorer will return the lights to like new condition.

About The Author
 

David Maillie is a chemist with over 12 years experience in biochemical research and clynical analysis. He is an alumni of Cornell University and specializes in biochemical synthesis for public, private, and governmental interests. He holds numerous patents including his recently awarded patent for headlight cleaner and restorer. He can be reached at M.D. Wholesale: http://www.mdwholesale.com.

 



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