The Advantages of Eco-Friendly Vehicles

A pressing issue these days is global warming and how the planet is not absorbing our carbon dioxide emissions fast enough to keep up with our consumption patterns. The vehicles we drive play a prominent role in global warming and have been blamed as a major culprit of climate change, along with other wasteful energy sources. Specifically, carbon emissions have motivated people and governments to think of alternatives to driving and oil consumption. Increases in fuel costs and road taxes are measures implemented to get people thinking of alternative transportation methods. But there are greener ways to go about the problem without completely doing away of cars in totality, since we all know that is neither practical nor realistic.

Advancements in the motor industry have introduced new technology that allows for cars to run less on fuel, or reduce emissions to a more acceptable standard. Engines such as LPG (Liquefied Petroleum Gas), Electric Cars, and hybrid vehicles really accomplish helping the driver save money, and also does its part in helping the environment. These cars perform just as well as regular cars on conventional oil and have similar power abilities.

A dramatic decrease in fuel costs is an especially advantageous and attractive feature. This means you can use the money you would to fuel up your car on other things. In most cases, as long as you aren’t pushing your vehicle beyond certain fast speeds and conserve as much as you can, chances are you won’t even have to resort to the fuel switch that comes with your electric vehicle. In fact, Liquefied Petroleum Gas (LPG) cars are more appropriate to drive in dense urban centers, or slower driving patterns. LPG conversions will surely help save you money on fuel, since this kind of oil is significantly cheaper than Petrol or Diesel gas, and also comes with a lower tax.

Speaking of taxes, you may not be aware of Road Taxes, or that it is now determined by the emission levels that your car puts out. Newer, more eco-friendly cars can have as little as $0 to pay for Road Taxes, or very low tax costs. This strategy encourages more people to finally switch to greener vehicles as a cut in taxes may be a powerful incentive.

Another thing that makes for an eco-friendly car is that the costs to have it insured may be less as well. People who choose to buy green vehicles have been reported to be more responsible and safer drivers in general. Therefore, check your insurance provider to see your quote will be less if you switched to an electric or hybrid vehicle.

With so many options these days, why not pick an economic and environmentally friendly option for your next car purchase? Efficiency is most important these days and there must be the perfect option for your specific financial range. Also think of all the financial burdens that will be alleviated in the process – decreased costs in car insurance, cheaper insurance quotes, and lower road and fuel taxes.

Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

Change Insurance When Lifestyle Changes

If you expect to drive less due to retirement or other factors, report this to your insurer. This can reduce the amount that you have to pay for insurance.

Most importantly, be aware of your needs and form a relationship with your insurance agent. Awareness is the first step towards savings.

Cheap Car Insurance for Women

Car insurance for women can be actually quite cheaper when compared to men because of various reasons. Although there are several misconceptions that women are not really skilled when it comes to driving, the fact is a little different. Insurance packages for women tend to be around 10% cheaper than that for women because insurance companies normally believe through their experience and through their statistical data that women drivers are safer drivers.

Is It Possible for Women to Get Cheap Insurance?

All insurance companies would decide their premium according to the risk associated with a particular person. Based on their data these companies believe that men are higher risk drivers and so they are required to pay higher insurance premiums. For this reason car insurance for women is cheaper. The insurance company data specifies the below mentioned points:

• Women are involved in fewer accidents when compared to men.

• Women will normally commit less traffic violations when compared to men.

• Accidental damage for women tends to be smaller.

• Women will usually buy everyday cars than sports or luxury cars.

• Women are more likely to pass drivers exams at the first attempt.

All the above data shows that there are several reasons why it is easier for women to find inexpensive insurance packages since insurance companies have the necessary data to rely on that states that women are safer drivers. However, these companies will always check the prior record for each applicant before they decide on their premiums. If your prior record has not been that great then the chance for you to get cheaper premiums will be a little lower.

How to Find Cheaper Insurance?

In order to find car insurance for women at lower rates, you will first have to purchase the correct vehicle. What this means is that there are a few vehicles which will be cheaper to insure and if you purchase one of these cars you are more likely to get favorable premiums for your insurance. Cars which are normally quite expensive when it comes to insurance are luxury vehicles, sports cars, large SUV’s, cars that have a lot of advanced technological features, cars that have a high record of theft and cars that normally have higher repair costs.

One of the best things that you can do is to get insurance quotes from various companies before you actually go ahead and purchase any car. There are several women who don’t really consider the insurance premium they would have to pay before you purchase a car and simply depend on the cost of the car for making a decision about whether or not they should purchase it. If you purchase the right type of car and get quotes beforehand, it would be easier for you to get car insurance for women at lower rates.