Advantages of Online Car Insurance Purchase

• Usually cheaper.
• Quicker and more convenient. Takes only a few minutes to get a policy.
• Can often report a claim 24 hours per day.

Disavantages of Purchasing Online

• No person directly responsible.
• No face to face meetings.
• Having to deal with a faceless company.

Also, try our tool to Find a Local Agent Near Your Address. We try to list every auto insurance agent in the country.

Check Tire Pressure Tires that are under-inflated use more gas and drivers can save over 3 percent with properly inflated tires.

Drive at a Consistent Speed It uses much more gas to accelerate and brake then it does to drive at a constant speed. Instead of racing up to a stop-light and slamming on the brakes, take your foot off the gas and coast.

Don’t Drive too Fast Driving over 60 mph uses more gas.

Get Regular Checkups Perform the standard maintenance recommended by your car manual such as regular oil and filter changes. Just don’t go overboard. At quickie oil-change places they are constantly trying to sell you unnecessary “engine flushes”. If it’s not in your car’s manual, you don’t need it!

Know When to Use the AC At slow speeds, it is more efficient to just roll down the windows. At high speeds, air conditioning is more fuel efficient because rolling down the windows increases wind resistance.

Take Off the Luggage Rack! If you are driving around with a luggage rack, you could be reducing your fuel efficiency by 10%. Take it off it you aren’t using it.

Clean out the Extra Luggage. Some people use their cars as a second closet. All this extra weight reduces your mileage.

Don’t Get Premium Gas. Premium gas will not help your mileage or your performance unless your car’s manual specifically says you need it. If not, just buy regular.

Pay with a Cash-Back Card Some credit cards, such as the Citi Dividend card will give you a 5% rebate on gas. What a deal!

Buy a more Fuel Efficient Car Obviously, driving around in a Hummer will cost you a lot at the pump. It’s amazing how many SUV owners complain about gas prices when they are also the ones causing them!

Drive Less This is totally obvious, of course, but planning your day better can reduce the number of trips you need to make. Also, consider taking the bus or walking.

Here is a sampling of how many points you might get on your license. (This might vary on where you live). The more points, the worse driving record. Too many points can result in a suspended license and is strongly related to insurance premiums.

Six Points

• Felony with a motor vehicle, manslaughter, etc…
• Operating under the influence of alcohol or drugs
• Failing to stop at an accident
• Evading a police officer
• Driving while intoxicated or influence of drugs
• Reckless driving

Four Points

• Drag racing
• Impaired driving
• Any blood-alcohol level in a driver under 21 years old
• Sixteen miles per hour or more over the legal speed limit
• Failure to yield to an emergency vehicle

Three Points

• Careless driving
• Eleven to fifteen miles per hour over the legal speed limit
• Failure to stop for a school bus or disobeying a school crossing guard

Two Points

• Speeding by less than 10mph over the speed limit
• Refusal of breath test for alcohol content by a driver under 21

According to a recent article in CNN, driving your car for 15 years, or 200,000 miles could save you about $31,000 in expenses.

Here’s the article in full:

http://finance.yahoo.com/loans/article/103446/drive-your-car-to-death-save-31,000

“In its annual national auto survey, the magazine found 6,769 readers who had logged more than 200,000 miles on their cars. Their cars included a 1990 Lexus LS400 with 332,000 miles and a 1994 Ford Ranger pick-up that had gone 488,000 miles.”

Commuter Traffic

Mode of Transportation to Work, 2003

When People Leave for Work

Commuters Who Drive Alone

Sources: U.S. Department of Housing and Urban Development and U.S. Department of Commerce, U.S. Census Bureau, American Housing Survey for the United States, H150

Everyone at Simple Auto Quote would like to say that we are excited to get our blog started! Visitors have been using our site to find inexpensive auto insurance for over 4 months! Now we will begin adding content to our site that will help everyone make better insurance and driving decisions.

If you have content or comments that you’d like to share, please do. We are committed to keeping this blog open to everyone and hope to create a dialog around auto insurance issues.

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Thanks,

All of us at Simple Auto Quote!