7 Easy Ways To Cut Your Auto Insurance Costs

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.

* 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.

* 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 !)

References: Make Money Online Guru Guide , Happy Life , Vanther-X

Sports Car Styling Tips

Are you planning to improve the aesthetic appearance of your car? Want to get that sporty and sleek look? Then here are some pointers that will help you dress up your car.

What products to choose from

When deciding what kind of setup you will do to your car, you should first keep in mind that there are a multitude of products being sold out there which claim superior performance and economical. But the reality is there are some good ones and and many of bad ones. Be picky when looking for car accessories and remember it is not a bad idea to look at the established brands before considering untested brands.

The wheels

One of the initial things that a car enthusiast does when dressing up a car is to replace the existing wheels with custom made ones. But this is not just for looks since performance wheels and tires also enhance a car's handling and performance. Choosing between tall wheels and short ones will be the next step. Bigger wheels get noticed more and increase the look of a car dramatically. Smaller wheels on the other hand have that vintage or retro look.

Stickers Galore

Applying sticker designs on the car hood or the other parts of the car body is one of the cheapest ways to alter and customize your car. Sticker designs range from popular performance parts logos of manufacturers as well as those designed for rally and indy races. If you are capable of making your own stickers, it is important to get permission for copying a design as it may be copyrighted. If you are planning to put stickers on the hood, choose the kind that will not be damaged by the heat of the engine. Metallic foil stickers are ideal for use on car hoods.

Lowering kits

Lowering your car means making your car more stable in turns aside from giving it an aggressive and sporty look. Cars are not the only ones that have lowering kits, so if you have a pickup truck, chances are, there is a lowering kit made for your vehicle. Although having a lower ride means improved handling, the trade off is poor ride quality since the car springs are stiffer and shorter.

These are some of the things that you can do to improve the look and stance of your car. Your car is a represents you so naturally you want it to look appealing. Of course, having a good looking car also means spending thousands of dollars. If this is your passion, then paying extra will not be a problem with you.

References: Make Money Online Guru Guide