Wednesday, July 30, 2014

How to save money on Car Insurance.

Car Insurance is a costly expense but it is not an option. Auto Insurance is the law. Finding the best rates for affordable car insurance can be overwhelming and challenging. Here is some information for you on how you can save on car insurance.

You may already have car insurance in place however you should not always assume that your current insurance company is giving you the best rate. You should shop around for auto insurance every year before your policy is about to expire. Insurance companies compete with each other and we should use that to our benefit. You may find that you will pay half of the insurance premium you paid a couple of years back.

It is wise to have all insurance policies with the same insurance company. This will give you a discount on all your policies and can save you up to 10%. Whether you own a home or have a spouse or child with a car in the same household, it makes sense to insure them all with the same company.

If you didn’t take a driving education course when you first got your license then now is the time. Most insurance companies offer discounts for drivers who have taken training.

Many car insurance companies base their rates not only on who is driving but also how much you will be driving. You can expect to pay more if your commute to work is long than if you worked around the corner.

Your driving record will affect your insurance premium. Most people already know this but if your driving record is blemish free, your premium will be lower than if you’ve a conviction or accident. If you have a claim then most car insurance companies will increase your premium.

Increase your deductible. The deductible is the amount of a claim that you are willing to pay. If you have a $500 deductible and you put a claim for $1500 then you will pay the first $500 and the insurance company will pay $1000. Increasing the deductible can reduce your premium by 5% to 10%.

Before you purchase a vehicle, be sure to get insurance quotes that you are planning to purchase. The type of car you drive will affect your insurance premium.

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Monday, June 23, 2014

The Cost of Distracted Driving

As a driver, you have a responsibility not only to yourself but to your passengers and to everyone else on the road. You only have so much control over your safety on the road by wearing your seatbelt, staying alert and adhering to the rules of the road such as speed limit. The problem is not everyone is as responsible and that puts you in danger.

Tragic accidents occur but most likely than not, the cause is due to carelessness on the road. It takes one driver not paying attention to cause a deadly tragedy.
Cell phone use and texting is a far too common distraction when driving but anything from applying makeup to attending to children in the backseat can be a distraction. When distracted you’re failing to process 50% of all visual information in your driving environment.

Pedestrians also need to be focused on the road and their environment when crossing the street, riding a bike or taking the kids for a brisk walk. Driver distraction delays the drivers reaction and even if the delay is for a second, that’s a second that can make a difference between life and death. We are all vulnerable on the road.

Make safe and proactive decisions as the outcome is worth the minor inconvenience. Visit our for more valuable information and tips.


Tuesday, May 27, 2014

Getting a Good Deal on a New Car

A typical Canadian motorist will purchase 10 to 12 cars during the course of his or her life. If you’re planning on buying a new vehicle and want to get a good deal, it’s essential that you do your homework before going to the dealership. Follow the advice below and you will leave the dealership with not only a new car, but also the satisfied feeling of having gotten the best deal possible.

Whittle down your choices
First, you have to decide what kind of vehicle suits your needs. Do you want an SUV with plenty of room for the family or a small car that’s fuel efficient? You have to start by defining your model class and price range.
Do your research
Your next step is to do research on the features, safety ratings and performance reviews. The class of vehicle you prefer may have a dozen different models, so you need to narrow down your selection. Consult dependable online sources such as, and
Arrange financing off the car lot
Before visiting the dealership, line up the financing for a car purchase through a reputable third party. Auto dealers make much of their profit on financing deals, so third-party financing will likely carry better rates and terms than what the dealer offers. Save money by arranging your car loan off the lot and ahead of time.
Take a test drive
You should take any vehicle you’re considering buying for a test drive. Even if the reviews are positive, you need to be sure that you feel comfortable behind the wheel. So test-drive the vehicle for at least 20 minutes on the same roads that you usually frequent. Adjust the seats and become familiar with the various features.
Negotiate a better price
The car salesperson will try to sell you the car for the Manufacturer Suggested Retail Price (MSRP). This is the published price--what the dealer hopes to sell for, but not what he expects to sell for. If you can knock $500 to $1,000 off that price, you’re probably getting a good deal. But in order to do that, you need to know the factory invoice/wholesale price. You also need to know what factory rebates are available on the car. All this information is available in a CareCostCanada Wholesale Invoice Price Report.
Take the invoice/wholesale price, and deduct all the relevant cash rebates. This is the amount at which to start the negotiations, since this is the true price that the dealer paid for the car from the factory.
If you’re considering a car with a sticker price of $30,000, the dealer may have paid $25,000 for it and wish to make a 10% profit - $2,500. But if push comes to shove, the dealer may settle for a 3 to 4% profit - $750 to $1,000. That would mean a saving to you of as much as $1,750 that would otherwise have been pocketed by the dealer as additional profit. It pays to be an informed and skilled negotiator at the dealership!
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