Auto Insurance Savings: Tips for Lowering Your Premium

It’s not exactly cheap to drive and maintain a car these days. As gas prices waver up and down and salaries fail to keep pace with inflation, it seems we’re all looking for ways to cut costs.

For those of us who drive, auto insurance is a necessary requirement enforced by law. Though we hate paying what we sometimes feel are outrageous premiums, the financial protection we gain from those policies is a trade-off we just can’t live without.

Just ask anyone who’s been involved in an accident lately.

But there is good news. As this mobile society struggles to keep up with increasing costs, auto insurance premiums have finally begun a downward trend.

According to one reliable source, the average auto insurance premium fell almost 2 percent last year, to an average of just over $2,300 per household.

That may not sound like much, but it translates to an average savings of $60 a year.

If you weren’t one of the lucky ones who got a pleasant surprise when your auto insurance policy renewed this year, don’t despair. You can still save money on your premium by following a few simple steps:

  1. Comparison Shop. If you have a good driving record and/or buy a safer car, your premium should go down. Plus, with some companies now charging lower rates, increased competition means better auto insurance rates for you! Take advantage of online marketing services like to find the best auto insurance rates from competing insurers.
  2. Find out what your insurance will cost before you buy that new car. Auto insurance companies typically charge more for cars that are expensive to repair or don’t fare well in accidents. So before you drive off that lot, make sure your new car is considered safe, and relatively cheap and easy to repair by your insurer. This will help minimize risk…for both of you!
  3. Ask your insurer for discounts. These cost-savers can lower your insurance premiums more than you might think:
  • Combining two or more cars on one auto insurance policy
  • Buying a car with airbags or other safety equipment
  • Installing anti-theft devices in your vehicle
  • Completing a driver’s education course
  • Insuring your home and auto with the same insurer
  • Applying for a mature driver discount (for those between 50 and 65)
  • Getting good grades (for students under 25)
  • Take the highest deductible you can afford. Your deductible is the amount you pay out-of-pocket, in case of a claim, before your insurance company starts paying its share. The higher your deductible, the lower your premium–it’s as simple as that. Just be sure you’re able to absorb a larger portion of your loss in case of an accident.
  • Improve your driving record. The more tickets and accidents you have, the more your auto insurance costs. So drive cautiously, improve your motor vehicle record, and inform your auto insurance company of the change. They’ll reclassify you as a safer driver, and lower your auto insurance rates in the process!
  • Consider dropping comprehensive and/or collision coverage if you drive an older car. Physical damage coverages like these reimburse you for damages to your own car. But if the vehicle you drive is several years old–or worth less than $1,000–it may not be worth much anyway. Dropping such unnecessary coverage can really save you money.
  • Review your policy regularly, and keep your coverage updated. Your auto insurance rates may fluctuate due to:
    • Adding or removing a driver from your auto insurance policy
    • Replacing an older vehicle with a newer one
    • Adding or removing a vehicle from your policy
    • Increasing or decreasing the number of miles you drive annually

    Talk to your insurer if you encounter any of these situations. Under the right circumstances, you’ll reduce the impact on your wallet–and walk away a few dollars richer!

    If you’re looking for ways to counter prices at the pumps–and everywhere else, for that matter–take these tips to heart.

    The Best Auto Wheelchair Lifts – Important Things to Consider When Buying

    Auto wheelchair lifts are one of the best mediums to allow total freedom to disabled people. It was not so long ago that going to different places was so hard for people with disabilities because of mobility restrictions. Today, auto chair lifts just gave a whole new meaning to total mobility freedom.

    Depending on your intended purpose and operation mechanism, auto lifts can come in different product types.

    Automobile chair lifts are specifically equipped to be installed inside (this is for large vans) or outside your vehicle. These are relatively easy to operate that one person can do the entire process without exerting much effort. And you can expect the price to range from $500 to $4000.

    There are two mechanisms that lifts operate, which include the electrical chair lift and the hydraulic lift. In terms of the retail cost, electrical wheelchair lifts are reasonably less expensive than hydraulic wheelchair lifts. Although electricity shortage poses much inconvenience, electrical wheelchair lifts come with emergency back-up batteries to restore its function. Unlike its counterpart, hydraulic wheelchair lifts function through the hydraulic system that creates an even and fluid motion.

    The BraunAbility Millennium Series includes highly engineered twofold hydraulic lifting arms to create precise and stable fold-unfold and up-down sequences. The three models in this series are operated using on-rise controller, remote controller, or hand-grip controller. To accommodate your lifting space needs, these are available in 43-inch, 47-inch, and 51-inch platform lengths.

    Getting through a flight of stairs just to take your lift up one floor can be quite a daunting and tiring task. With a home stair lift, you can conveniently install it anywhere you want. It is suitable for your indoor and outdoor staircase – it doesn’t even matter if it’s a straight or curved staircase. Home stair lifts that are specific to curve-shaped staircases will cost more than the standard type (you could expect the price tag to be around $7000 to $15000).

    Given the expensive cost of securing home stair lifts, it would be a great help if you seek financial assistance from government programs or agencies, such as Medicaid. Before settling on a particular stair lift, make sure to ask your retailer if they accept Medicaid assistance. If they do accept it, you can let them take care of the billing process – don’t forget to put everything into writing for legal purposes.

    Purchasing auto wheelchair lifts involves complex decisions and requires a reasonable amount of investment. So, make sure to only get one from trusted brands and reputable suppliers. Online shops actually offer much wider selections of wheelchair lifts at reasonable prices – remember to choose only the best and most effective.

    Buy the Latest Mobile Phones to Play With Technology

    As the technology is advancing, people across the globe are demanding more and more features in their cell phones. Previously these gadgets were used as a means of talking and messaging only but as companies equipped them with multimedia and connectivity features, they became part of every day life. With the advent of 3G mobile phones one can do a lot of things like video calls, access to high speed internet and watch live TV. Thus, these gadgets have provided many ways to interact with family and friends saving a lot of money and time.

    There are many cell phone manufacturing companies which are working day and night for doing research to provide cutting edge technology to their users. Some of the the big names are Nokia, Sony Ericsson, Samsung and LG, which are putting a lot of effort to give users high end features in their latest mobile phones. Those features include, presence of touch screen , accelerometer, high resolution camera and long lasting battery. Thus by purchasing a mobile phone one can get many benefits in the form of various facilities.

    Some of the most advanced phones launched by Nokia includes. Nokia N97 and Nokia 5530 Xpress music. These are among latest mobile phones which can drive the market crazy. Nokia N97 has full touch screen facility with high resolution 5 mega pixel camera coupled with powerful LED flash light to capture bright image even in poor light condition. QWERTY keyboard is also provided in this phone for fast replying of mails. The Nokia 5530 Xpres music has high quality music player which can play a lot of sound formats. Both the mobile phones are provided with proximity sensor for auto turn-off to save batteries and accelerometer sensor for auto-rotation of images to present image viewing with different angles.

    Samsung has manufactured some of the best camera mobile phones and with the launch of Samsung M8910 Pixon12, the company has come up with one of the highest resolution camera phone present in the market. The device is fabricated with 12 mega pixel camera and auto focus to take high quality images. The gadget has been given with features like face, smile and blink detection for easy snapping. The latest mobile phones with all new features as stated above are making waves in market. In order to buy them one can go to various dealerships or browse the internet. There are many shopping sites which provides these mobile phones with lots of attractive offers.

    One should take care of various aspects before purchasing one of the latest cell phones, like if one is fond of photography one should go for high end camera phone, if individual is working professional then a business phone should be bought. Thus by making a simple survey of cell phones which are catering the needs of user, one can surly go for right phone. These mobile phones with their head turning features will rock the market as they are being provided at reasonable prices.

    Samsung I8510 Vs Nokia N96 – Two Futuristic Mobile Phones

    Nokia and Samsung both are reputed mobile phone brands that have been credited as the manufacturers of high quality handsets. Mainly, all the mobile phone brands are facing very tough competition among themselves.

    A Samsung mobile phone focuses on its music features while a Nokia mobiles focuses on stylish looks and long-lasting battery backup.

    Let we talk about one of the most impressive and capable phones from Samsung, the Samsung i8510. The Samsung i8510 is one of the best Samsung mobile phones. It is a stunning handset which comes with a stylish slide opening mechanism. The black colour casing handset has only 140 grams of weight and measures 106.5 x 53.9 x 17.2 mm in dimensions. It comes with a large 2.8 inches of screen size with 16 millions internal colours. The TFT screen provides a resolution of 240 x 320 pixels and comes with an accelerometer sensor for auto-rotate & optical trackpad.

    The Samsung i8510 comes with optional 8 GB/16 GB of internal memory and its external memory can be expanded via microSD (TransFlash) card up to 8 GB. The users can store unlimited numbers of multimedia stuff such as songs, video clips and images in its embedded memory. The mobile phone supports various type of connectivity options such as GPRS, EDGE, 3G and WLAN Wi-Fi network technologies which allow the users to access the world wide web easily. It also has USB v2.0 port and Bluetooth v2.0 with A2DP technology, which allow you to share your personal data and music files, images with other Bluetooth and USB compatible devices without any hassles. It comes with an 8 mega pixels camera with great features such as Camera geo-tagging, autofocus, flash, auto-panorama shot, face, smile and blink detection technologies which allow you to capture sharp and clear images even in dark areas.

    Now we will be discussing the features of the Nokia N96 handset. The Nokia N96 is an elegant and sophisticated handset which comes with a stylish dual slide opening mechanism. It comes with a 2.8 inches of TFT screen display with shades of 16 million internal colour and provides a resolution of 240 x 320 pixels. The large screen allows you to play games and watch video clips easily.

    The Nokia N96 comes with 16 GB of internal memory and its external memory can be expanded through a microSD (TransFlash) card up to 8 GB. The mobile phone works on Dual ARM 9 264 MHz processor and 128 MB of RAM, which make it a fast and reliable handset. The handset supports several type of connectivity options such as HSCSD, GPRS, EDGE, 3G and WLAN Wi-Fi technologies that allow the users to access the internet at a high speed, all over the world without hassles. The phone has a 5 mega pixels camera with smart features like autofocus, flash and world famous Carl Zeiss lens which give crystal clear still images as well as videos every time. The secondary VGA camera allows the users to indulge in face-to-face video calls around the world with the support of 3G network. The media player of the phone supports all popular audio/video formats such as MP3/AAC/AAC+/eAAC+/WMA files. Thus, both of these stunning handsets, the Samsung i8510 Vs Nokia N96, come with astonishing features.