Monthly Archives: February 2015

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How To Get The Most Out Of Your Car Insurance

Your automobile insurance policy protects more than your car. It also protects your health and finances, as well as protecting other drivers and their vehicles. Choosing a policy is a long process; it’s important to make sure it covers everything you need it to. Using the tips in this article, you can get the most out of your insurance policy.

To keep your insurance rates low, pay on time and never allow your auto insurance coverage to lapse. Switching carriers or even policies might result in a gap in coverage. Your insurance provider may increase your rates when they discover these lapses.

What kind of vehicle you buy will strongly influence the cost of your monthly insurance premiums. Depending on your taste in vehicles, from a luxury model hybrid to a beat up gas guzzler, your insurance premium will reflect that taste. Choose something nice, safe and reliable over a flashier option to save big on insurance bills.

Determine what types of coverage you need on your car insurance. There are many options available, but they may not all make sense for your situation. You might want to pay for collision coverage if you’re accident prone, though.

Carpooling or taking public transit can save you money on your auto insurance. Insurance companies pay attention when policyholders act in a responsible manner, and driving less reduces their risk, so they will lower your premiums. If you let your agent know that you have changed your driving habits, you may be eligible for a discount.

Remember that when you buy auto insurance, you are only covering the people that are on the policy. It is not uncommon for a vehicle owner to lend their auto to someone else, only to find that their insurer will not pay claims when an accident occurs. You would have to pay more to cover other drivers using your car.

Now that you have read this article, take out your policy and look it over. You may discover that you haven’t had adequate coverage, or that you are being overcharged.

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Most Cost Effective Vehicles Ranging From $10,000 and $15,000

If you are intending to get a brand new car but don’t want one that eats a lot of gas or would cost a lot for repairs, you should think about a car that costs between $10,000 to $15,000. These types of cars should have four to five doors and it should not be a full scale sedan.

It is also suggested that you get hold of a car that runs on gas. Possibly the leading gas powered car with regards to fuel efficiency is Toyota’s Yaris. Nevertheless you could also decide on a diesel car as well.

In case you have 8000-10000 Euro, you might find an Opel Astra, Corsa, or even a decent Renault Clio. For this price structure, you can also get a pretty decent second-hand car that has 60,000 to 140,000 kilometers on it.

In case your affordability is more like $12,000 or more, you can get the Opel Astra, Hyundai Accents or the Mazda 6 that is well equipped. You may also get lucky and find a Yaris for that cost as well. It is actually also conceivable to find older BMWs at that price but bear in mind that they eat a lot of gas.

If you have a lot more than $13,000 to invest, you’ll be able to pretty much get a new car. A nice car is the Mitsubishi Colt although it is a bit noisy inside. Moreover, you might not be able to get a good resale price later on.

Suzuki Swift is yet another terrific car, but it is small. The driver’s seat has room but the back seating is tight. The economy model that runs using a 1.25 liter engine is not particularly peppy and not a good deal for a new car.

Another car that has good optional features in addition to a decent extended warranty is the Hyundai Accent 1.5. Any service on this particular car is recognized as very good and their warranty covers five years or 100,000 kilometers.

Skoda is yet another good make, and the new Fabia with 68 HP is undoubtedly a great option. Having said that, the service is not so great, and you might have problems repairing it at your local garage.

Another compact car to consider is the Renault Clio which is powered with a 1.5 liter 65 horse power engine and is roomy enough for a large person. It doesn’t use up much gas at 5.4 liters per 100 km within the city and an even more impressive 3.8 liters on the open road. Of course, you can’t expect a car to be both high performing then again fuel efficient. However many of these types of cars can travel as high at 120 km/h without too much trouble. At greater speeds, the cars could consume more gas at 4 liters per kilometer but cannot go higher than 7 or 8.