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10 Ways to Save Big on Auto Insurance
Auto insurance can make a big hole in your pocket. Insurance premiums vary hugely between companies, agencies or agents, brokers, and of course the make of the car you own and your credit rating. To pay lower insurance you must: 1. Always maintain a good driving record. 2. Never accept the first estimate you receive. Be wise and check comparisons of different insurance providers at your state insurance department website or phone them. Their addresses and contact numbers can be accessed from http://www.consumeraction.gov/insurance.shtml the consumer action website. Be sure to get competitive quotes from different insurance providers. Contact providers that are strongly recommended by people you know well. Keep your peace of mind by checking the financial stability of the companies with rating companies like A.M. Best (http://www.ambest.com/) as well as in forums and blogs. 3. Complete a market survey well before you select a car make and make a comparative table of insurance and other hidden costs. Find out which features increase insurance premiums and which ones reduce premiums. For example if parts of a certain make are hard to find or expensive such cars will have huge insurance premiums, similarly installation of anti-theft devices or an extra brake system lowers insurance premiums. Many questions are answered by the Insurance Institute for Highway Safety at http://www.iihs.org/. 4. Choose to have higher deductibles this will reduce the burden by at least 15-25%. But look at your finances first and determine whether you can set aside US$ 200-US$1000 periodically to create an emergency vehicle fund. 5. Consider availing the insurance from the same company that has you covered for home, accident, or life. Many companies offer concessions to clients who have more than one kind of policy. Known as a multi-policy discount this could benefit you. 6. Most policies are based on your personal credit record. Having an unshakeable credit history can lower costs. Pay bills on time, don t avail too many loans, and be sure that credit balances are as low as possible. 7. Avoid duplicating medical coverage. Find out whether eliminating medical cover in auto insurance will reduce your premiums or the personal injury protection costs. In some places the reduction is as much as 40%. So, if you have adequate health insurance you could weigh the pros and cons of eliminating this in auto insurance. 8. Find out if insurance premiums are dependant on where you stay. Sometimes staying in a rural community or suburbs as against the city center could save you a bundle. 9. Take advantages of discounts like low risk career, low mileage, taking public transport to work, car pooling, no violations or accidents, taking defensive driving courses, following safety rules and regulations, or having a child who studies far away. 10. Use the reductions offered for insuring more than one car belonging to the family. Many companies have special offers for corporate organizations, club members, professional groups, alumni groups, or clubs. Make time to make a big saving. Check through all the parameters and mark areas where a saving can be made. The market is competitive and you can be the beneficiary.

Paul Wilson is a freelance writer for http://www.1866Cars.com , the premier website to find help on Cars including topics on car rental, national car rental, thrifty car rental, online car rental, pickup trucks rental, cargo van rental and more. He also freelances for the premier Car Insurance Quotes site http://www.1888Carinsurance.com

10 reasons to buy a hybrid car
Care for the environment? Want to save the planet? Then you must think in terms of fuel efficiency, non-polluting, and eco-friendly transport. The answer lies in purchasing and using a hybrid car. They not just make a statement that I care but are compact and fuel efficient. Here are some insights that may just tempt you to buy a hybrid. 1. Made of lightweight materials hybrids are small in size. The engine is designed to be fuel efficient. When the car halts at a signal, the engine will automatically shut down and restart when the car shifts into gear. 2. These cars have the advantage of being powered by a gasoline engine and an electric motor that takes care of acceleration. 3. The batteries of the electric motor recharge automatically by harnessing the kinetic energy produced during braking. 4. Hybrid car engines produce less emission, give better mileage, idle less, and are fuel efficient. 5. The aerodynamic design reduces drag and the tires are made of a special rubber that reduces friction. 6. The battery has high capacity and is made of nickel-metal-hydride. The battery can run the hybrid when called for. 7. The power-train technology enables using two power sources and enhances fuel efficacy. 8. There are many choices. You can have a hybrid from Honda, Ford, Toyota, GMC, and Chevrolet. 9. If your transportation of choice is a hybrid then the US Government will applaud your choice by giving you significant tax breaks. 10. Using a hybrid means you are active in ensuring the air is clean and that you are a concerned citizen who wishes to save fuel which is precious. Maximize usage by pulse and glide. This means finding the ideal point where electric and gas energy are equally utilized. Generally this ideal lies between 30-40 miles per hour. Stabilization of energy is learnt by practice it really cannot be taught. Another important aspect is that you benefit if you don t rush around and drive at the prescribed speed limit. If you glide, instead of accelerate then you can make a saving of as much as 10 cents a gallon. Lastly check and maintain tire pressures. This will help lengthen the life of the tires and help you save fuel. Reduced tire pressure studies indicate reduces gas mileage by as much as 10%. Before you say yes to buying a hybrid car, you must do in depth research on hybrids, the pros and cons. Talk to manufacturers and owners. Test drive the different makes and check which one would suit your life-style. Some hybrids are ideal for city driving while others are more efficient on open roads. Even if the buying price is steep the fuel that you save along with incentives like tax breaks make a hybrid a good and sensible choice.

About the Author: Paul Wilson is a freelance writer for http://www.1888CarInsurance.com , the premier website to find Car Insurance Quotes including auto insurance quote, online auto insurance quote, free car insurance quote, cheap car insurance quote, on line car insurance quote and more. He also freelances for the premier Insurance Quotes site http://www.1888Insurancequote.com

9 Essentials of Credit Card Rewards
A credit card that offers a reward point scheme means that as you use the card you accumulate a certain number of points which can then be converted into a reward of your choice. It can be air miles, gift vouchers, or a purchase of some kind. But to get the most benefit out of a reward card you need to ensure that it offers good value for your money. Did you know it could take over five years and an expenditure of over US$ 5000 to get a free ticket within the US. Credit rewards are carrots dangled by credit card companies. Before you are caught by the enticement evaluate your monthly earnings, expenditure, as well as loans. Do not invite a financial hurricane if you are not in a position to pay all your bills every month. Interest rates on reward cards can be at least 2-3% higher than other cards. 1. If you love travel then choose to treat reward points as frequent flier miles. Check out the options your credit card offers. 2. Many cards offer a cash rebate. The enticement carries hidden a higher interest rate and if you are not in a position to settle your bill immediately you will spend much more than you earn on the rebate. 3. Use a card that offers a large number of options. Then you have the luxury of selecting from a huge variety of merchandise. 4. Be clever use the reward points quickly before the card company downgrades the points gathered by you. 5. Check whether your reward points can be set off against the annual fees payable by you. If you have a no fee card then choose rewards that are of use to you like gasoline, travel assistance, retirement incentives, flier miles, or cash back. Do considerable research and choose a scheme that works for you. 6. Use the card that offers you a reward steadily but be sure you can settle the bills every month otherwise, the interest you pay will negate the rewards earned. 7. Use the rewards card to pay for groceries and utilities every month. It is a necessary expenditure which can earn valuable reward points. 8. If you have a mortgage payment to make and the bank accepts credit cards then pay with you credit card and earn the reward points. However the outstanding must be settled immediately. 9. Always be well informed check consumer reviews and with www.cardratings.com about the cards you hold. To reap good value out of a rewards program you will need to use your credit card often. By using the card to pay for utilities, groceries, prescriptions, mortgages, and more you can earn many points perhaps even a 1000 dollars in a year. Handle your finances wisely, never spend more than you can afford.

Paul Wilson is a freelance writer for http://www.1888Discuss.com/home-improvement/ , the premier REVENUE SHARING discussion forum for Home Improvements Forum including topics on buying, selling and insuring, automobile, electronics and more. His article profile can be found at the premier Credit Article Submission site http://www.1888Articles.com/credit-articles-39_4.html

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