Some little known tips for reducing your car insurance

Some Little Known Tips For Reducing Your Car Insurance

Insuring your vehicle can be one of the most costly parts of car ownership. If you have to maintain full coverage insurance the costs can be several thousand dollars a year especially if you are a young male with a couple of tickets on your record. If you have a newer car with a loan on it you will undoubtedly want the most coverage available so that it will be replaced if something happens to it. There are some things you can do to help lower your insurance bill and still maintain good coverage.

One of the things you can do to reduce your insurance rates is find out if membership to any particular organizations may lower your rate. Sometimes there are discounts for members of educational organizations or things like labor unions. Ask your agent if there are organizations you can join to get discounts.

Always shop several insurance companies so that you know they are giving you the best rate possible. I have seen quotes vary by as much as 30% which can save you hundreds if not thousands on your insurance. Use the internet to find several different companies and call them up!

Most companies offer multi car discounts if you insure more than one car with them, the savings can be huge with these discounts. You may also get lower car insurance if you allow them to write your homeowners, health and life insurance. Just placing all of your insurance policies under one roof can lower your bill significantly.

There are special discounts offered for taking driving courses so check those out as well. If you have student to insure there are many companies that offer discounts if they maintain a good grade point average. Other companies offer big discounts to safe drivers if you go for a long time with no accidents.

You should also check the deductibles for coverage. You may find that you have very low deductibles on collision for example that can be raised to lower your insurance premiums. I personally don’t think it is necessary to have deductibles as low as $100 on collision especially if you are a safe driver. Raise them to $500 or even $1,000 and it will save you quite a bit on your premium.

Remember that there are significant reductions for safety items like dual airbags and for antitheft devices, particularly if the system disables the ignition so the vehicle cannot be started.

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Car donation a green idea

Car Donation: A Green Idea!

Want to save the environment? Car donation can be a very effective option in hand. Yes, that’s right. There are plenty of causes that should encourage you to donate car and this seems to be one of the worthiest ones.
In fact, the time has come when we should start thinking whether driving the car is an environmentally friendly action. In fact, the statistics present quite an adverse scenario. Each of the Americans spends around 1600 hours per year in the driving seat. Naturally, that involves a huge amount of money and time. Now, the drivers add around 300 pounds of carbon dioxide in the air in an average.
Of course that is a damaging aspect as far as the green house effect is concerned. In fact, the drivers are the greatest contributors of the green house gas in the atmosphere. Now, it will not be a surprise if you associate yourself as one of the culprits. There are different hybrids hat are available in the market and they all assure you of protecting the environment. However, that hardly seems to be the reality.
So, the only possible way to help out the environmental causes is to abandon the car and go for car donations. Though it may seem impractical, it is absolutely possible to live without the car. You can use the public transport systems for transportation. That will reduce the need of private cars and in the process decrease the pollution. A bus or tram can carry a number of people for which a number of private cars are required. Naturally, the later option will exhume more green house gasses in the air. 
Now, the problem of getting rid of the private cars is how to dispose them? Of course keeping an old car in the house without using it is a ridiculous plan all the more so when you have the option of getting rid of it profitably. No, selling is not the option. After all, there are so many hassles in selling the car.
You have to put advertisements, wait for the client to arrive and then, more importantly, convince the client to buy your car. Now, the most important point here is that when you sell your car to another person, you are not helping the environment anyway. For, your client will drive the car and that hardly improves the condition of the environment.
Car donation is of course, the ideal solution. Here, you don’t have to spend money on ads and there is no agony of waiting for the clients. The entire process is simple too. All you have to do is to visit the websites of the organizations and pick up the one that you think is most deserving. While making the choice, you have to ensure that the site is authentic and it has the eligibility to accept the donation. 
Another great advantage with the car donation is that the amount that the car owes ion the market is completely tax deductible. So, there is no need to spend bucks, and in return, you get a complete tax deduction. Of course added to it is the satisfaction of getting yourself in to the greater causes of humanity. 

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