So you are planning on buying a new car that’s great! And may I add congratulations! It is highly recommended that before you purchase your dream car you should shop around for reliable and cost effective auto insurance.

Your premium is based in part on the car’s sticker price, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, anti-lock brakes, daytime running lights and anti-theft devices.

Preventing theft will help you get better auto insurance rates.

Naturally, cars that are favorite targets for thieves cost more to insure. You might want to take that in consideration when buying your future car. Anti theft devices are a must and the more you have installed the better. Auto insurance companies know that anti theft devices substantially reduce the chances of your car being stolen and they will quote lower auto insurance rates when you have the devices installed.

I believe that installing anti theft devices will give you peace of mind. It is a known fact that when a thief looks through the window of your new car and sees a blinking red light indicating that the immobilizer is functioning and active he will most likely turn around and leave. Sometimes you might like to add some more devices like; Anti-Theft Steering Wheel Locks, car alarms and wheel clubs.

Save yours and others lives and still save money

You can reduce auto insurance rates and reduce the risk of accidents and injuries by adding safety features to your car such as; air-bags, anti- lock brakes and daytime running lights. The more safety features added to your car will help you save lives and save money at the same time. When buying a new car these safety features will cost more, don’t worry about that too much because in the long run you will see that your auto insurance payments will be lower and when you plan on selling your car in the future you will find a buyer in a short period of time. Not to mention that all these safety features make your car of higher value and therefore, they are a good investment.

You can find more useful information at our auto cheap insurance page.

Joel Cohen
http://www.articlesbase.com/insurance-articles/cheap-auto-insurance-save-before-you-buy-a-new-car-86473.html

Although the most interesting method to save on car operating costs came from my chemistry teacher in high school (Buy your gasoline in the early morning or at night when it is cold outside. Gas becomes denser in cooler temperatures. Since gas pumps only measure the volume of fuel – not the density – you’ll get better overall gas mileage for your money by purchasing fuel when it’s cool outside rather than in the heat of the day), the moment that will determine the true amount you can save on your car costs comes before you even buy a car. The simple fact is that the type of car you decide to purchase will have the largest impact on the expenses you incur during the lifetime of it.

Even if a large sports utility vehicle is your dream car, it’s probably a lot more than you really need. Taking some time to make a list of the things you’ll use the car for will help determine the difference between your true needs and your wants. It’s important to remember that each additional want you add above what you really need will cost you not only at the time of purchase, but in most cases well down the road with an increase in maintenance and operating costs.

The size of the car you decide to purchase will have a direct effect on its operating costs. Purchasing the smallest car possible for your driving needs will save you a tremendous amount in gasoline charges. Small cars weigh about half as much as larger cars which results in about half as much fuel being used.

Once you have decided on the size of car, it’s worthwhile taking the time to research the safety ratings of the different cars in that size range. Not only will this improve your chances of staying alive in an accident, it will likely reduce your car insurance costs. A quick call to your car insurance company will tell you the tale. Remember, if you keep your car for 7 years, a $25 a month difference in insurance costs adds up to over $2,100 over the lifetime of the car.

Once you have a car, taking some simple steps can reduce your operating costs by hundreds of dollars. For example, if you reduce your gas consumption by $20 a week, it will save you over $1,000 a year. Most people can easily save this amount (and often much more) by simply changing their driving habits and paying a little more attention to their cars.

By far the best way to reduce your car expenses is to use your car only when necessary. Cars are extremely convenient and this causes people to use them much more often than they really need to. By simply asking yourself, “Is this trip really necessary?” you can greatly decrease the amount you drive.

For short trips close to home, try walking or riding your bicycle. Not only will you save money on your car expenses,you’ll also get some healthy exercise. When you go shopping or run errands, take a little time to plan and combine them all into one outing instead of several. Of course, car pooling and using mass transportation systems when possible are always excellent ways to reduce car expenses. If you can find a different way to commute to work rather than by your car, there is a good chance that this will result in a discount in your car insurance.

There are also a number of steps you can take to reduce your driving expenses while using you car. Here’s a quick list of some actions you may want to consider while driving.

*** Take the time to check your car’s tire pressure each month. Under inflated tires reduce fuel efficiency by 2% for every pound they are under inflated. Under inflation also causes premature tire wear giving your tires a shorter use life.

*** Drive at the speed limit. Cars use about 20% more fuel driving at 70 miles per hour than they do at 55 miles per hour.

*** Avoid driving fast in low gears. Driving at high speeds in the improper gear can reduce fuel efficiency by up to 40%.

*** Avoid using air conditioning whenever possible. Air conditioning reduces fuel economy by 10% to 20%.

*** Don’t open windows when traveling at high speeds. Open windows on the highway can reduce fuel efficiency by 10%. It is much better to use the ventilation system. Also remember to remove car racks and other items which make your car less aerodynamic when they’re not being used. Use cruise control to maintain a steady pace on the highway to increase fuel economy.

*** Avoid rough roads. Driving on roads made of dirt or gravel can reduce fuel economy by up to 30%.

*** Don’t let your car idle. Even on cold mornings, there’s no need to let your car idle for more than 30 seconds. Newer cars are designed to be driven almost immediately and letting your car idle longer is a waste of gas. In addition, it’s more efficient to turn off your car and turn it on again than to let it idle for more than 45 seconds while waiting.

*** Remove all excess weight from your car. Many people use their car trunk as a storage space adding unneeded pounds to the car’s weight. This unnecessary weight reduces the car’s fuel efficiency.

*** Try to accelerate gently, brake gradually and avoid stops when driving. Gunning engines, quickly accelerating, and abrupt stops all waste fuel. Try to avoid driving during rush hour periods when you know traffic will be stop and go. If you do find yourself in stop and go traffic, try to maintain a crawl. When approaching hills or steep slopes, accelerate before the hill. Accelerating once on the slope will consume much more gas.

*** Service your car regularly while paying special attention to oil and filters. Blocked air flow from clogged air filters will increase fuel waste. Also check your car’s alignment since this can cause engine drag which will also increase gas waste.

*** Periodically calculate your car’s fuel efficiency. A loss in fuel efficiency is an indication of possible mechanical problems.

To really see how much you can save by using the above information, don’t change your driving habits this week, but take note of the number of miles your drive and calculate your car’s current fuel economy. The following week begin initiating any of the above ideas which you aren’t currently utilizing. You are sure to be surprised by how much you can save over your regular driving habits, and you’ll be able to enjoy some extra money jingling in your pockets.

Jackson Bleu
http://www.articlesbase.com/automotive-articles/driver-car-tips-to-save-you-money-298418.html

Auto insurance is one of the biggest expenses students face, right up there with tuition and books. In fact, students can pay anywhere from $2,000 to $10,000 a year for auto insurance, depending on such factors as their …

* Age

* Gender

* Driving record

* Garage location

Fortunately, students can get cheap auto insurance. How? Read on to find out!

Be a Girl

Okay, you don’t have much control over this, but it’s a fact that insurance costs less for women under age 25 than for men under age 25. Men are statistically more prone to having accidents and therefore their insurance rates are higher.

Live Clean and Drive Safely

Do not drink or take drugs and then drive. A DWI or DUI will drive your insurance premium up dramatically, and keep your rate high for years to come. Also, keep your driving record clean by obeying speed limits and other driving laws.

Keep Up Your Grades

Most insurance companies offer discounts to students who maintain a B average or better. You’ll need to show your insurance agent proof of your grades to get this discount.

Buy a Sensible Car

Your dream car may be a Mustang, a Firebird, or a Camaro, but you’ll pay a lot more for your insurance with these types of “muscle” cars. Opt for a car that’s less expensive to repair and is less tempting for thieves. Also avoid cars with high horsepower, as insurance rates are higher on these cars.

Walk or Bicycle at School

If you can manage without a car while you’re at college, leave your car at home. You can adjust your policy so you’ll still be covered when you’re at home for vacations.

Increase Your Deductible

By increasing your deductible – the amount you pay toward a claim before your insurance company pays – you can save up to 40% on your car insurance premium.

Shop Around

Make sure you’re getting the best price on car insurance by doing some comparison shopping. Go to an insurance comparison website and enter your vehicle, driver, and insurance information. You’ll then receive auto insurance quotes from multiple A-rated companies and you can choose the one with the cheapest rate.

The best comparison sites offer tips on how to save money on your insurance, and even have an insurance expert on call so you can get answers to your insurance questions online or by phone. (See link below.)

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap student auto insurance quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/how-to-get-cheap-student-auto-insurance-182575.html