Young Driver Car Insurance - Truth Is To Be Disclosed

By David Faulkner

As adults we understand the need for a car and of course we have to pay insurance for that car. However when our kids get insurance they often end up paying much more than they have to, because car insurance companies assume that as young they are going to be getting into a lot of trouble and causing a lot of accidents.

When it comes to getting Young Driver Car Insurance, you really want to be able to save as much money as possible. Although many people unfortunately do not realize it, there are quite a few different things that you can do in order to reduce the cost of Young Driver Car Insurance, of which will be discussed here.

One of the best ways to reduce the costs of Young Driver Car Insurance is to make sure that you pay your premium in full rather than in monthly installments, and this is because insurers will generally offer a discount on a lump sum, whereas they tend to add a surcharge fee for installments.

Higher Cost For Young Driver Car Insurance:
Why the premiums are for Young Driver Car Insurance so expensive? It is because youngsters who have just received their driver's license do not have any real driving experience and are therefore more apt to get into a car accident. Add to this the fact that many youngsters drive while distracted, whether talking to friends in the car with them, talking on their cell phone, or showing off by driving at unsafe speeds, and you have the perfect reason for insurance companies to require a higher monthly premium for student car insurance policies. A high percentage of accidents in the United States are caused by people under the age of 25 and Young Driver Car Insurance rates will typically remain high until the driver reaches this age.

In some cases, the insurance company will offer a discounted premium rate on Young Driver Car Insurance policies to students who maintain good grades. The companies believe that keeping up with your schoolwork demonstrates a sense of responsibility and they believe that shows that you will be a responsible driver. But if you get into one accident or get one speeding ticket, the discounted rate will be revoked and you will have to pay the full premium price for your Young Driver Car Insurance until you reach the age of 25.

Reason for Young Driver Car Insurance:
Young Driver Car Insurance policies are no different than traditional car insurance policies in terms of coverage and deductibles. The only difference is the high price of the premium. If you can maintain a good driving record and keep your grades up until graduation, then the rate for your student car insurance may decrease over time. And that frees up your money for more important things, like books for college.

If you keep all of these pointers in mind, then when it comes time to get car insurance for your own youngsters, you will be able to save yourself a great deal of money, something that every parent can truly appreciate

You can also find more info on teen driver and california car insurance Autocarinsurancehelp.org is a comprehensive resource to get help about car insurance.

Article Source: http://EzineArticles.com/?expert=David_Faulkner

Earn $50 an hour: change your own car battery

Frankly, auto maintenance has always scared me. All I've ever "fixed" are wiper blades, headlights and taillights. The extent of my under-the-hood knowledge is how to check and top off oil, antifreeze and windshield washer fluid. I've never changed my own oil because I didn't want to deal with the waste material.

That's why I recently found myself using an Entertainment Book coupon to get a lube, oil and filter service for $15.88. When I paid, the counter guy said my battery was on its way out. A replacement would retail for about $119.99, but he could get me one for $89.99.

I know less about cars than about doing my own taxes. Still, that seemed a little high. Maybe I could do better on my own -- but that would mean installing it myself.

Batteries not instructed
Folks who do all their own auto maintenance are probably snickering.
What's the big deal? It's not like replacing the transmission. But some of us didn't grow up watching dads fix cars. My father could build, plumb and wire a house, but he never did auto work. All I knew about batteries is that they have the potential to explode, and that battery acid can ruin your day.

An MSN article noted that they don't make 'em like they used to; in newer cars, batteries might need replacing after four years. My 2001 Chevy Cavalier still had the original battery, so I guess there was a reason it was faltering.

The Sunday ads revealed a $54.99 model at Schuck's Auto Supply, just two blocks away. Before leaving, I did an Internet search on battery replacement. It didn't seem that hard. A little grimy, maybe.

That $54.99 model wasn't the right kind, but a suitable 7-year battery cost just $10 more. (Incidentally, both costs included disposal of the old battery.) The friendly folks at Schuck's offered to lend the tool I'd need. Before this, I'd never used a socket wrench. (It was cool. I want one!)

Getting the battery out of the vehicle was tricky. It was heavier than I'd imagined, and got hung up somehow. As I struggled and cussed, a young man stopped to help. He lifted it out in one smooth motion. Show-off.

Success, and savings
I lugged the equally heavy replacement out on my own, nestled it into place, and reconnected the battery and terminal clamps. Reluctantly I said goodbye to my new friend the socket wrench, and prepared for the acid test, so to speak: Would the car start?

The car fired right up. And boy, were my hands dirty. Back home, I found that liquid dish detergent really can substitute for that Orange Goop hand cleaner. (Thanks to the Smart Spending message board reader who posted that tip.)

If an auto know-nothing like me can do this, I bet you can, too. So when your battery starts to fail, consider replacing it yourself. First, of course, you'll want to read the instructions on the site I mentioned above, or in a car care book, to make sure you're doing it safely.

I think it's well worth it. About 30 minutes of work saved me $25. It might take you even less time.

Plus, you'll get to use a socket wrench.

Source: MSN

When Your Car is Stolen

By Levi Quinn

Knowing what to do when your car is stolen is important in terms of keeping a grip on the situation and coming to a reasonable resolution as quickly as possible. While there are many variables involved when your car is stolen, there are a number of things you can do to keep your cool and collect as much information as possible to file a complete claim with your insurance company.

Remain Calm and Ask Questions
Having your car stolen will doubtlessly produce a number of emotions, but you need to keep yourself calm so that you can think clearly. Think about any preventative measures you may have taken. Do you have copies of important documents in a safe place outside your car? This includes copies of your driver's license, vehicle registration information, and other documents. Having copies of these documents will make it easier to find your car or, at the very least, file a proper claim.

Do you have pictures of your car for insurance purposes? It's never a bad idea to have pictures of your vehicle to help with the process of finding your vehicle or putting together a solid claim. Pictures offer proof of value should you need to submit a claim. They'll also help police identify your car by using any identifying features or marks on the car.

Did you use any anti-theft measures and, if so, why did they fail? Car alarms and locking devices may fail, as car thieves are discovering ways to bypass the vehicle's security system to get what they want. Take stock of the anti-theft measures you have for your vehicle and volunteer that information to police, even if you're a little embarrassed that a car thief managed to get by your state-of-the-art security alarm.

The Next Step
After you have done a proper inventory in terms of your vehicle, remember to complete any instructions the police may give to you. Police will typically ask for any insurance documents, registration copies, vehicle pictures, serial numbers, and any receipts for car augmentations that may also be included. Always provide complete information to police.

Contact your insurance agency immediately after contacting the police. This will help in getting your claim processed and should also provide you with a rental car so that you can still travel. Always provide complete details with your insurance company and produce any documents they request. This will help in the overall processing of your claim.

If you happen to find your vehicle, take caution when proceeding. The thief could be nearby or you could be in some form of danger. Always call police when there are any changes to the case or if you made an error and discover your car has not been stolen. There are many embarrassing cases involving alleged car thefts.

Cooperation is Key
It's important to remember that police and insurance companies are there to help. Providing complete information is integral to getting a healthy resolution out of the problem. Be polite, patient, and kind when dealing with police and insurance companies and you should see rapid results.

Find the best deal on the auto insurance coverage you need. Visit us today for money-saving tips and receive free quotes for cheap second car insurance from respected insurance companies.

Article Source: http://EzineArticles.com/?expert=Levi_Quinn

5 Tips on Car Maintenance

By Thomas Clakins

When it comes to your car, it deserves nothing short of the best. Every car community expert will tell you that maintenance is one of the key things that will keep your car going for a long time to come. Here are some handy tips to help in the upkeep of your car.

i. Oil checking
Your car runs on oil and hence while you need to refill oil every now and then, you also need to make sure that the oil remains clean. Otherwise you risk spoiling the engine. Most car community experts will suggest that you change the oil on a regular basis to prevent the engine shards from getting mixed up with the oil. Make sure to keep a tab on leaks as having a leak can mean running without oil, which can be disastrous for the engine of your car! Ideally as every car community site will tell you, you need to change oil once in every 3 months and completely replace with brand new oil.

ii. Tire pressure
The next thing you need to keep a close watch on is the tire pressure. Regular checks on tire air can help you save on costs associated with fuel expenses. As any car community expert will tell you, ideally you need to keep your tires filled and inflated, even if you feel they are not that squishy. You can easily procure a tire gauge yourself and keep checking on the air pressure. Even too much air can be bad so make sure to remove the excess also. You will also need to regularly keep a watch on tread wear on the tires.

iii. Wiper blade
Usually wiper blades give way when you need them the most. That's why you need to regularly keep a close tab on them. Make sure to check if they're working fine, on a regular basis. Every car community site and expert says that this is most neglected part of the car and it is high time owners gave it more attention. By keeping them in good order you save yourself the trouble of being stranded in rain due to bad visibility!

iv. Vacuuming
When you regularly vacuum your car you not only preserve its beauty but also pave the way for a good resale value later on. Every car community site will quickly tell you that regular vacuuming can take years off your car! If you are feeling a little lazy and don't want to do the vacuuming yourself just take it to a nearby vacuum station! You can use their vacuum machines by paying one or two quarters.

v. Washing underneath
Your car goes through a lot while you ride it. Right from mud, corrosive salty water to even snow - a lot gets accumulated on the underside of your car. This can erode at the vital mechanical parts on the bottom of your car, which is why every car community expert will advise you to give it a wash regularly.

Thomas is a car community expert with autosondisplay.com that is an online car site includes auto pics, auto community and more.

Article Source: http://EzineArticles.com/?expert=Thomas_Clakins

How To Find Car Shows That Feature The Vehicles You Are Interested In

By Gregg Hall

If you are trying to find the car show of your dreams and want to put the ride of your dreams in it then you need to find the right one that is for you. Even though it may seem hard you should be able to find something along the lines of a good auto expo to you without trying too hard.
There are all kinds of exhibitions everywhere. All you need to do is get out and go look at some of them.

The best ways to find a good auto show is to look in your local newspaper or just hear it from around town or school. Usually if a town is having an auto show at a school it will posted at school and all around the area of the school. If the car show is just for the town then you will most likely see it in the newspaper and it will be most likely on the front page or around that area.

Maybe another thing that you can do is just gander around in magazines that you normally look at you will see headlines and listings for all kinds of expos that are probably in your area. If you cannot find or see that there is a car show in your area then you should just go online and look at expos and what the judges look for because you won't want to drive for an auto show and then not win or at least win anything.

You might belong to a car club so look for listings of auto shows from the club you're in but some clubs you might have to be a paying member to go to some of the events that are being hosted there. So know what you must do and have before you start looking.

The newspaper or newsletter is where you can find most listings of what is going to happen on most government property. If it isn't at your house then you will be able to find the listings of the shows in the newspaper no problem.

If you still cannot find an event to go to from the newspapers, magazines, school or wherever else that you looked then you need to just go online and look at some car show videos because it doesn't look like you are going to any events anytime soon if you cannot find any. Even if they are just a hundred miles away that's only like an hour and a half away if you want to go to one bad enough you will drive an hour to get to what you want. Besides it's probably not the farthest that you have drove looking for a automotive event that you heard about and got lost trying to find. So go out and start going to car shows today. You might just be able to find one in your area that you didn't see.

Gregg Hall is an author living with his 18 year old son in Jensen Beach, Florida. Find more about car shows as well as automotive accessories at http://www.nsearch.com

Article Source: http://EzineArticles.com/?expert=Gregg_Hall

Car Loans - Don't Get Carried Away

By Alice Smith

You do not have to look very far for car loans today. This is because financing is a popular option for purchasing cars. But just because you have a lot of options doesn't mean they are all offering the best deal.

The Dream Car
Most people start thinking about a low rate car loan when they set eyes on the car of their dreams. Oddly enough, this usually isn't a Porsche or a Ferrari. It's often an ordinary car that not only meets a person's needs but appeals to their sense of style and beauty. But buying that car outright can put a big dent in a person's savings. It makes much more sense to look into ones so you can get the car and pay for it in installments.

This is where you have to be careful. Your car dealer will probably offer you a payment scheme right up front. It can be very convenient to just sign the papers and take the car. But the truth is that your dealer probably isn't giving you the best rate- in fact, most dealer rates are on the higher side. Check out rates at banks and credit unions. You're bound to find a number of them that will work for you.

Stay Focused
Shopping around for a good loan will lead you into an entirely new world. You'll notice there are a number of online auto loans which can give you a quote online. Big and small banks, private financiers and credit card companies all offer loans at different rates and all of them will try and get your business. It's important to remain focused at these times. You want to look at loans that appeal to you, not your lender.

Whether you are looking at a new car loan or used car loan rates, it's important to look at the interest rates that are offered. These loans come in two forms- fixed and variable. It's also important to check out what kinds of payment schemes are offered. While monthly installments are the norm, a number of other plans are also available to suit the needs of the client.

Always make sure that the payment installments are set at an amount you are comfortable with. Remember that if you default, you may be in danger of losing your car. Good car loans should make the process of buying and owning a car easier.

Car loans are available anywhere you look. But if you want to get a low rate car loan, you should do some research. Comparing used car loan rates and online auto loans can get you a good deal.

Article Source: http://EzineArticles.com/?expert=Alice_Smith

Your 52 MPG Accord Is On Its Way

By Matthew Keegan

The 2008 Honda Accord has arrived and with this next generation model buyers are finding a car that is bigger and wider than any previous Accord model made. Indeed, the Accord is slightly larger than its bitter rival, the Toyota Camry, itself elongated as of the 2007 model year.

The Hybrid Accord Bites The Dust
What you won't find on this year's model is a hybrid model. According to Honda officials, the company admits that their hybrid technology works better on smaller models. Yes, the V6 hybrid Accord only got four miles more to the gallon than the gas-powered I4, not necessarily bad but not something consumers were interested in.

The 2009 Honda Accord Diesel
Although the news that the most fuel efficient Accord isn't part of the automaker's current model year offerings, Honda fans who are willing to tarry one more year are likely to find that their wait has been well worth it. A 2.2L four cylinder diesel, now available in Europe, will make its way to the U.S. market for the 2009 model year. According to Autoblog Green, the Honda diesel will be able to attain 52 mpg on the highway, putting the Honda's mid-size offering in a class all of its own.

Honda Will Have The Cleanest Diesels On The Market
For enthusiasts who remember yesterday's diesel technology with its attendant smoke and racket, today's diesels must be rigorous EPA requirements in order to be certified for the US market. In addition, today's diesel technology has delivered an engine that is a lot quieter than earlier generation bangers.

Volkswagen and Mercedes with their jointly developed BLUETEC technology will be able to meet strict environmental requirements, but an additive called urea will need to be included to bring emissions output down to acceptable levels. Honda's diesels -- according to the company -- will be as clean as the gasoline engines they now sell.

Copyright 2007 - For additional auto articles from Matthew C. Keegan, please visit his The Auto Writer blog.

The First Car Buying Tip Is To Remove Your Emotions

By Rand Montgomery

The first car buying tip you need to know when purchasing your next vehicle is to remove your emotions from the buying process. The more emotionally attached you are to the vehicle the more you are going to spend.

Keep in mind your needs in the vehicle that you are purchasing. For example do you need the sunroof that costs and additional $700 and adds another $15 a month to your monthly payment for something that you will only open once a month?

Another thing to consider is Why you are purchasing this vehicle in the first place. Has your family out grown it? Is it currently giving you problems or are you trying to compete with the Jones' down the street? Separating your emotions is as easy as first researching the car you want. If it is a new car, there is a dealer somewhere that has it, and many local Dealer's will do a Dealer Trade for you if they do not have it on the lot.

A dealer trade is when a dealer can log into the factories and see what is going to be built soon. And see where these cars are being sent to. Then they will call the dealer that is expecting that vehicle and trade a car that they have in stock and have someone deliver the car to your dealer.

So, arm yourself with the information, keep your emotions in check and you will get the car that best suits your needs without paying for features that do not benefit you.

Rand Montgomery has spent the last 10 years working in the Automotive Industry. He has worked his way up from sales, sales manager, to Finance Director. He has also worked with one of the largest Automotive Consulting Company's in the U.S. Rand has written a electrifying Minicourse on Discovering The Little Know Secrets Of Buying A Car That The Salesman And The Car Industry Don't Want You To Know! To get you free copy, visit the link below:
Car Buying Tips

Student Car Loan - The Power You Need To Get Your Car

By Saurabh K Jain

A student who does have any income of their own or have less income that does not allow them to take a car on their own can take a student car loan. There are many types of car loan programs available to students. It is very important for a student who wishes to take a student car loan to understand the concept of car loans and the difference between one program and the other. You should pick out the program that is most suitable to your needs and present income. You can take the help of the net to find an online car loan lender who is offering flexible student car loan with easy repayment options.

Check All Important Issues
You can easily find a lender on the net who is offering lower interest rates than others are. Check out and see if the new car loan rates offered by the lender, matches with some other lender as well. If they do, then find out the other terms and conditions for student car loan, as the maintenance charges and insurance cover. In addition, also confirm that if they are going to pay these charges, initially, and if yes, then for how long. It is very important to see all the terms of the student car loan to see for any hidden costs or penalties, which are usually not given in the advertisements.

Keep on comparing all the important issues that are raised, like the repayment period, can it be extended later, and can you afford the repayment installment of your student car loan, which is being offered. Look for a car financing company with a good record of accomplishment in the past and has a list of happy clients. Auto loan financing companies and lenders with a good reputation care for their clients and do not want a blotch against their name. So, do not go for an unknown name in the field and search for an authorized dealer to take your student car loan.

You also have to pass the eligibility criteria to qualify for a student car loan. First, you have to be an American citizen. Second, your credit history will be checked to see your past record with regard to repayment of loans. All students usually have some form of bad credit against their name. This is because they are students and currently cannot engage in full time employment.
Students having bad credit usually get higher rates of interest for a student car loan than those who have a good credit. You can get car loans even if you have bad credit, albeit at a higher rate of interest. However, at the same time it also gives you an opportunity to improve credit with regular repayments.

Student car loan can give the power of finance to the students to help them get the car of their choice. With many companies competing to offer car loans, it is necessary that you compare new car loan rates before finalizing on any auto loan financing offer.

Tips on Cheap Car Insurance

By Allan Elvin

An insurance is a security measure you buy to cover some future financial losses. Car insurance is meant to cover the monetary losses caused by any kind of accidents or theft. When you buy an insurance policy, you pay a price. The payment is made in instalments on monthly, quarterly or half-yearly basis. In addition to the premiums there may be some contingency fees.

Though it is not possible to get your car insured without paying a price, you can buy a cost-effective one and pay less if you follow some tips. These tips will help you get a cheap car insurance policy. To begin with, you can provide the insurer with enough details. If you do not provide him with information on your zip code, marital status, safety features of the car, and annual commuting miles, the insurance agencies may quote you a higher rate.

The deductible amount of any insurance policy influences its cost seriously. The higher the deductible amount is; the lower is the cost of the policy. So, raise your deductible as much as you can. But at the same time, make a clear-cut plan on how to cover the deductible in case of an accident.

Then cut the unnecessary miles you drive. As a rule, the drivers who travel on average 40 miles or less a day have better chance to qualify for a low mileage discount with most insurance companies. In this regard, you can consider carpooling or taking public transit couple of days a week thereby to reduce the mileage of your car. This way you can qualify for the discount and get a Cheap Car Insurance deal.

If you are a married male then you have a better chance of bringing the cost of the insurance down. Some agencies give better rates to female drivers. So, you can show your wife as the main driver to qualify for a cheap car insurance deal.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

Prepare The Car For Sale, Get The Most For Your Car

By Khalid Mustaffa

Every person prefers more than less. This certainly applies to selling your car. Needless to mention, just like everything in life, there is certain footwork that you should do to ensure the best possible outcome. The most critical step in selling a car is the preparation.

You need to have your car looking as attractive as possible, this would increase the chance of making a sale, and would speed the overall time needed to turn the car over to it’s new owner.
The first thing that you need to do is cleaning the car thoroughly, both the interior and exterior.
Now, if you don’t enjoy cleaning cars, you may consider paying for a professional to do it. Hence, to match the results of the professional, you are looking at about $50 in materials, and about 5 hours of labor. On the other hand, if you choose the professional route, you are looking at anywhere between 15 to 55 dollars for the exterior, and depending on the condition of the interior up to 150 dollars.

Next, you need to obtain a copy of the history check, print out a couple car fax report, and have it ready to present to potential buyers. This will increase the credibility of the car and will demonstrate how confident you are about the car you are selling, which in itself is a good selling tool.

Last but not least, invest around a hundred dollars into having the car inspected by a brand name mechanic shop. Depending on the outcome of the inspection, be ready to compensate the buyer to fix the problems presented, furthermore, either the inspection turned out clean or with problems, it will proof to the buyer that he or she is about to invest into a reliable car. For more information about selling your car, check out the car selling checklist

© Copyright - 2007 Khalid R. Mustaffa The owner of cars in Houston The website is dedicated to serve the Houston market needs pertaining to houston used carsThe website dedicated a page to Prepare the car for sale, get the most for your car

Best Practices to Selling a Financed Car

By Khalid Mustaffa

You initially financed the car that you are about to sell. If you are wondering about the steps you need to take in order to legally, and safely turn your car over, then you are reading the perfect article for this sake. Now, if the lean has been released, and you are the sole owner of the car, then reading this article would be additional information that you may not need, rather pass onto friends and family.

In case you still owe money on the car, then you need to start by contacting the lending bank or dealer to discuss the best way to pay off or close out the loan. You also should inquire about the necessary requirements to obtain a lien release, or a statement stating that the remaining obligations on the car if any and if not also stating that it has been paid off.

If you find out that you owe more money than you can pay prior to selling the car, consider mediator service that would facilitate payment to the lien holder during normal escrow. There are such services on the internet easily found using search engines, or visiting my website for an analysis of these services. If you are not able or not comfortable with the above mentioned methods, consider closing the sale deal at the bank, credit union, or the dealership that holds the lien, this way the buyer can payoff the balance, release the lien, and pay you the remaining agreed upon amount. Make sure you contact the lending entity prior to setting up such arrangement, and schedule and time and date.

The last and most complicated situation is when the lien holder is in a different state. In this case you would need to obtain a bill of sale from the local department of motor vehicles, and then obtain a temporary permit for the buyer to drive the car. Once the loan is paid off, the buyer can then transfer the title ownership. For more information about selling your car, check out the car selling checklist

© Copyright - 2007 Khalid R. Mustaffa The owner of cars in Houston The website is dedicated to serve the Houston market needs pertaining to Houston used carsThe website dedicated a page to Best Practices to Selling a Financed Car

You Found a Car Now You have to Finance a Car

By Louis Rix

Finding your car was the easy part now you have to finance a car and that is when your problems can really begin if you know very little about loans and car financing in particular. If you look around for finance options then you will often be left confused over the terms and of course not understand the difference between fixed or variable loans. Here is where you can save yourself a lot of time and grief if you choose to go with a specialist in car financing.

Comparing car finance is essential if you want to get the lowest rate of interest and the best offers, however unless you know where to look this can take time, that is providing you even know where to look and what to look for when it comes to getting the best deals. A specialist in car insurance knows what to look for on your behalf when it comes to having to finance a car.

The terms used in the world of financing can be confusing and this is one of the biggest ways that putting your car financing into the hands of a specialist can benefit you, loans also vary widely from lender to lender and if you don’t understand them then you simply aren’t able to get the best deal available. The majority of us when looking ourselves will simply look for the lowest payment and if this has been quoted in weekly terms and the APR isn’t taken into account it could add up to a lot over the yearly period.

Always make it quite clear how much you want to spend when it comes to having to finance a car, this includes the total amount that you will have to repay along with how much you can afford to repay every month. These facts have to be weighed up because if you want a very low monthly repayment then of course you will have to take the loan out for longer but then you will be paying more interest and this does add up regardless of how low the rate of interest is.

Louis Rix is a Director of Netcars.co.uk, one of the UK's leading motoring websites. First established in January 2000, its mission is to become the UK's number one site for used car searches and motoring information. Netcars also provide Car Finance, loans and insurance.

How to Save Money While Driving Your Car

By Robert Tutsky

It never ceases to amaze me how some people drive their cars. Paying attention to good driving habits can certainly help you save yourself some money in the long run.

I notice all to often that there are drivers speeding up to a red light only to jam on the brakes to stop at the intersection. Why? They're literally pushing their autos to the mechanics garage.

It's not rocket science to realize that they are wasting fuel and also putting more wear and tear on their automobile unnecessarily. I don't know about you but I sure would like to put off an expensive brake job as long as possible, not to mention a new set of tires.

My ex drove her car that way and even though she had a small lightweight car (Saturn) and I ended up replacing tires at approximately 26,000 miles and a brake job at 35,000 miles. What a waste. I now know it's possible to go over 50,000 miles or more on a car like hers before replacing tires and also even longer for a brake job just by driving more sensibly.

Here are some things you can do while driving that will save you money
Always look way ahead down the road and get an idea of what's happening with the traffic light before you even reach the intersection. If it is red and you're not too far away, coast , chances are it will turn green just in time for you to pass through the intersection.

If it is green and you are far away, coast and wait till you see it turn red, continue to coast, the light might turn green and enable you to continue on without using gas or brakes.

I like to make driving a game, trying to judge the speed of my car and time it just right so I don't even have to use the brakes at all. With practice I find it works most of the time especially if you are familiar with the route you are taking.

Not only do I try to judge the optimum speed to go through an intersection without stopping, on many occasions I put my car in neutral and literally coast up to the intersection to a green light, put it back in gear and continue on my way.

There are times when this situation can happen on a slight downhill and I can coast for more than a half mile or more before I put the car in gear and continue on my way, all without using my brakes and all-the-while my car is just idling, saving gas. This way I am truly coasting and using as little fuel as possible. With practice you and in time you will realize a savings that will amaze you..

Another practice I use that I think is worth mentioning
A while back my van needed tires. I had a lot of miles on them and they were worn unevenly.
The mechanic told me that I needed a wheel alignment judging how my tires were worn.
Another added expense.

I asked the mechanic why a car goes out of alignment and he said usually shocks to the wheels from road pot holes will eventually throw the alignment out. From that point on, I try as much as possible to miss the pot holes and bumps. Again, with good driving practices you will save money driving your car.

According to Edmunds there are other ways to save while driving:

1. Stop driving like a maniac. Gentle starts and smooth acceleration throughout shifting can save up to 37% in gas use! That's a terrific savings.

2. Drive the speed limit or even less. Not only will you save gas but chances are you won't be receiving speeding tickets

3. Use the cruise control. Cruise control is not always convenient but during extended trips it will save gas.

Using these strategies will not only save you money with less wear and tear your automobile receives, it makes driving more interactive and fun

Robert Tutsky is researching ways to help you earn and save your money through frugal living and smart saving tips. Visit http://www.your-money-matters.blogspot.com

Tips To Get Cheap Car Insurance

By Allan Elvin

With the cost of car insurance soaring high day by day, it is no wonder that more and more and people look for cheap deals. Unfortunately there is no specific insurance deal that can be called cheap. However, it does not mean that one cannot insure his car without bearing the burden of paying big premiums. Cheap car insurance can be availed by following the steps mentioned below.

To begin with, consider the deductible amount. This is the amount that you pay first when you make any claim and the cost of your policy is directly related to this amount. If you have a good driving record and are ready to take the risk of paying a bigger amount in the event of a claim, you can save money by increasing the deductible.

The type of car you drive can play a part in deciding how cheap a car insurance you can avail. Agencies ask for higher insurance rates for certain cars. Sports cars and other models that is most likely to be stolen cost more on insurance. Then, the universal advice - drive carefully. If you have had 3 speeding fines and 2 accidents in the last year, you may not find out cost-effective insurance deal. So, don’t pass the advice as passé.

By installing safety and anti-theft devices in your car, you can increase your chance of getting Cheap Car Insurance. Agencies will be ready to insure a car at cheap rate that is safer and less at risk of theft. An insurance policy has some features that can be varied and used to curb its cost. So, scrutinize your policy when it comes to renewal time to see whether there is any scope of making changes.

Many insurance agencies offer a discount for multiple policies. So, give a look at the other insurers and find out whether they have any discount to offer. Finally, make some research on the Internet. May be there is a cheap car insurance deal waiting for you but you do not know the agency. Browsing through some sites, you may reach to that.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

O2 Chargers, O2 Car Chargers - Stay Active - Stay Connected

By Ana Eileen

Surviving in this jet age is a tough job. One has to remain connected with the world to stay in tune with the times. And this need has inspired and compelled the innovation of mobile phones. Almost every pair of hands possesses at least one mobile phone. But as each device has its limitations, even mobile phones demand something to stay active. And that is nothing but a regular battery charge.

A regular battery charge, as we know well enough, is done by mobile chargers. Each brand of mobile phone has its own charger compatible with the set. When two phones belong to the same brand and also, in few cases, in the same range, they usually are compatible to one kind of charger. For example, the o2 chargers for O2 X2, O2 X3 and O2 X4 are compatible amongst these brands.

Similarly, with other mobile phone chargers like in case of Nokia phones – The N95 and N73 can share the same mobile charger.

It is not possible to carry mobile chargers with us everywhere we go. Sometimes, we simply forget to charge the battery of the mobile phone and then on our way to work or home, we discover that we are running out of battery power and that our phone may just get switched off any moment. We are scared to answer calls in the fear of extinguishing whatever life.

In such times, how immensely helpful would car chargers prove to be. Car chargers are chargers that are attached to the car and with which you can charge your mobile phone quite easily while on the go. It is ideal for those who love to put their driving time to optimum use.

You can find both mobile chargers like O2 chargers and car chargers like O2 car chargers with online web stores which deal in mobile accessories.

Lily Sienna worked as a sales manager in a mobile retail store in the UK. She has an in-depth knowledge about various makes and models of mobile phones, iPod and their accessories. The article given here covers the arena of O2 Car Chargers and Cheap Car Chargers.

How to Combat Rising Car Insurance Premiums

By Simon Christopher

Although car insurance premiums have been steadily rising in the UK, there are some tried and tested steps you can take to ensure a competitive quote at renewal time.

Know What Cover You Need
The first and most important step is to know exactly what type of motor insurance you need together with any added extras and excess levels. Everyone has different driving habits, history and needs so only you can judge what options and cover levels are right for you. Many drivers never look at their car insurance policies until they need to claim, so break the habit of a lifetime and dig out your current and any previous policy documents to see exactly what you have paid for in the past. The question you should be asking is do you need all of the options and bolt-on protection that some comprehensive policies provide? Maybe you'll be surprised at the lack of protection you have out on the road and want to extend your cover. Whatever you decide is or isn't needed, write it down.

Shop Around for Maximum Savings
Armed with a firm idea of what you are looking for you can shop around with confidence and compare like with like more easily. The fastest and easiest way to do this is online using quotation or price comparison websites. Alternatively, if you don't feel confident buying cover online or if you need advice, use an insurance broker who has access to the whole market and can do the leg work for you. If you're happy buying car insurance online it's important to remember to stick to the same type and levels of insurance so that you can get fair comparison quotes.

Maximise Your Discount
Whether you use a price comparison site or quote engine, narrow your selection down to two or three companies and approach them directly to confirm the premiums and cover are correct. Contact your shortlist and ask about any new customer premium discounts and do your best to haggle the price down. Also remember to consider quotes from insurers you already have other types of cover with such as home or breakdown insurance. Many online providers now offer discounts for existing customers anywhere from 5% to 20%. This can also apply if you are a member of any associations, specialist groups or work unions.

Reduce the Risk of a Claim
One of the most effective ways to consistently reduce your motor insurance costs is to reduce the risk of a claim. As the two most common reasons for motor claims are accidents and theft, you can reduce the risk by improving your driving abilities through advanced driver training and ensuring your vehicle is secure and parked in a safe location at night. Another tip is to give more thought to your annual mileage when applying for a policy rather than guessing and declaring more miles than you actually drive just to be sure. Remember, statistically, the less miles you do the less risk there is of a claim.

By following these few simple steps, you can save yourself a lot of money and combat the rising cost of car insurance premiums.

For the latest tried and tested money saving tips, buying guides and insurance company reviews written by genuine customers, visit UK Insurance Index. Quickly find the most popular car insurance companies with our comprehensive directory listing major insurers like Admiral and Norwich Union Simple Cover.

Picking the Right Rental Car Company

By Amy Nutt

Are you looking to hire a car for your next vacation or business trip? Remember to rent from a well-known outlet that offers a wide selection of models ranging from fuel-efficient compacts, up to roomy (but gas-guzzling) Sport Utility Vehicles. Check for comfort options like air conditioning, power steering and automatic transmission. Some rental agencies offer services such as roadside assistance and locksmith calling as part of their rental packages, and these features can make or break your vacation.

It’s important to ask a lot of questions and find out as much as you can before making reservations to rent a car from any agency. Booking your rental long in advance will ensure that you get a discount of some sort for your rental. This will also help you to have the widest selection of models, especially during peak holiday rental times. Most rental vehicles come with at least AM/FM radios and many also have CD players. Some even sport MP3 player input jacks so you can play your favorite downloaded songs on your trip. Another thing to remember is if you’re not familiar with manual gearing, don’t try and learn 'stick shift' on the road. You’ll only end up with more stress than you bargained for and you may end up in an accident.

Think long and hard about the time you may be spending in the vehicle and how much space you will need for yourself, your passengers and your luggage. You can then make your choice based on comfort and not just price. If you end up jammed into a vehicle that is smaller than you planned on, it could really spoil your holiday. Even though it may cost less to rent a smaller vehicle, it won’t be worth it if there’s little or no comfort for you and your passengers.

For example, compact cars may save you fuel, but if you’re six feet tall, they would kill your knees, especially if you're driving a long way. If you don’t like the model that you reserved, talk to the rental agency staff. They will try to get you into a car that’s more suitable for you. However, there may be an extra fee to pay if you choose to upgrade to a larger vehicle.

If you book your rental vehicle directly online, you may qualify for special offers. Also, just like when you buy anything else, you should shop around for the best bargains that car rental agencies have to offer. Remember, availability of these promotional rates may be limited, so the sooner you call, the more likely your chances are of getting them. Your travel agent can help you look for deals online, and save you from calling number after number.

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