Cheap car insurance if you don't use your garage

The line between the middle and working class suburbs was always drawn by the presence or absence of front gardens. Go down a less classy street and the houses where always fronting directly on to the pavements or only separated by a yard of concrete and a low wall. But walk down one of the wider roads with gardens lovingly tended by green-fingered occupants, and you knew you were suddenly in middle class land. Except come the boom of house ownership from the mid-1950s onwards and this line became somewhat blurred. The more real test switched to the presence of a garage. Common folk could park their cars on the roads outside their homes. The better-off could afford homes with their own garages. That was all wonderful until the bubble burst in the 1990s, and then again with the current recession. Now people can’t afford to buy, hold and then trade up.

One of the factors always taken into account when assessing the annual premium rates is the risk of theft. The statisticians reckon that leaving the car outside on the road is an invitation to thieves, particularly as some cars have poor security. The really cheap car insurance rates go to those who lock their cars in garages. Except if your family is growing and you can’t find a buyer, sometimes your only choice is to use the ground occupied by the garage for an extension to your home. So what do you do with the car?

Auto insurance quotes are most effective when you apply for discounts

Once you start searching for quotes, you might feel overwhelmed when you discover what the premium will cost you. But you can save your budget and protect your family and assets knowing how to benefit from the discounts available for auto insurance. Review the most common of such discounts.

Many people searching for insurance have more than one vehicle to insure. This can be due to a family, or work vehicle. Many times you can receive a discount for having multiple vehicles. This is called a multi-vehicle policy, and most major insurance companies offer it. Similarly, if you have other needs such as life, renters, boat, or home insurance, you can often get all of these policies through the same company and qualify for a discount. You may need to comparison shop and find out the prices for quotes individually and together, but on average, combining policies saves money.

Many time companies or organizations will provide discounts on insurance. There are many universities, farm bureaus, clubs, and other businesses that qualify. You may need to change insurance companies to take advantage of this discount, but it might be worth the savings. Also, upgrading your vehicle might save you some money. Discounted auto insurance quotes can be given to a candidate listing certain safety features such as automatic seat belts, anti-theft systems, and anti-lock brakes… Research what your car already has and what is available to add yourself to find out where the savings are.

Buying a car keep in mind that it will effect the insurance quotes

Car insurance quotes are determined by a lot of things – your age, the place where you live, your gender, and your car’s make and model. The latter affects the car insurance quotes because there are just some cars that are not as safe as others.

Auto insurance rates vary greatly when one includes the car’s make and model into the equation. This also means including other factors i.e. your car’s safety features, its replacement cost and its ratings on its crash test. While insurers include in their computation a number of other variables, these three things play a very vital role in the final quote and with good reason. Sports cars for example are more expensive to insure not only because its owners involve themselves in high risk activities but also because the replacement and maintenance costs are higher. Getting a non-sports car that is technologically advanced in terms of car theft protection on the other hand will save you lots of money.

While any say that there are other things to take into consideration with many using logic to defend what kinds of rates they should have, it’s statistics that has the power to dictate how expensive or how affordable your car insurance rate will be. This means that before buying a vehicle you should do ample research on the make and model of the car you want because it is possible that you might get one that will affect your premium in a negative manner i.e. getting an expensive premium.

Not cheap car rental but exotic car rental

There’s something awesome about some of the high-end cars. It’s not just the look, it’s the whole package of how the engine sounds when you rev it up to the way it moves on the road when you step gently on the gas pedal. Of course, you don’t always get electric acceleration from a Rolls Royce or a Bentley. That’s the slightly different market of luxury and status. But regardless of individual brand, the common denominator is one of these cultural intangibles. Simply being seen in one of these vehicles is good for your ego and many companies have built up a good niche market in renting them out on a daily rate. That way, “ordinary” people can live the dream for a few hours.

For some time there’s been debate in the mainstream rental industry as to whether any of these higher status vehicles should be added to the fleet. As business executives now jet around the world, there’s a move to add small numbers of these vehicles to the collection points at the hub airports or to make these vehicles available on preorder. That way, people can step out of first and business class, and take a ride to their 5 star hotel and business meetings in a vehicle of appropriate status.

More generally, companies like Avis are diversifying their stock at key airports. Instead of focusing on cheap car rental for standard fleet models, they are offering upgrades to specialty cars from stock.

So instead of driving away in something boring, you can be tempted into a Porsche or BMW Z4, assuming your credit card can stand the shock, of course. Indeed, BMW is allowing its dealers to rent out the top models by the hour or day. If you check your local dealers in the major US cities you should be able to find direct rental terms. Why should this be happening? In part, it’s probably a reaction to the continuing lack of excitement in the economy and driving a cheap car rental. When there’s disappointment all around, it gives us a lift to spend an hour or two living the American dream.

Cheap car insurance and those black boxes

Over a lifetime, there’s probably a balance in the good and bad surrounding the children we produce. But there are certainly times when we bitterly regret taking the plunge, as it were. There are those times at school or when early experiments with cigarettes and alcohol go horribly wrong. There’s all that attitude we get. But the worst comes when we’re supposed to calmly shell out on driving lessons and then, to add insult to injury, to buy a cheap car for them to drive and to pay for the insurance. The fact finding cheap car insurance for teens is like winning the lottery seems not to occur to them as they assert the divine right to disappear from sight for hours on end, driving who knows where, while all we can do is sit in prayer the next call will not come from the police or hospitals telling us when we can come in to collect the broken bits of body.

Then, suddenly, we might be tempted by the arrival of telematics – not those fuzzy TV characters with rhubarb growing out of their heads, you understand. The Co-op, we can’t go wrong with them, can we? have been running ads for their Young Driver Scheme. Instead of the usual “the sky’s the limit” approach to insuring the young, they will fit black boxes that will watch our kids like a hawk. If their spy finds our children have suddenly converted into angels on four wheels, we will be rewarded with lower premiums. That sounds like such a good deal until we remember our children are more likely to be recorded hotdogging around the local park at 2 in the morning – a stunt that will ensure we never see a premium under four figures for the next however many years until they leave the nest and start paying their own way in life. So although there’s that terrible lure of cheap car insurance for us to pay, we parents have to remember Big Brother watches and sees both good and bad. And the bad can be very expensive for us, if not for our young drivers of the year.

Common Scams Committed by Car Rental Companies

There are a lot of annoying things to deal with when it comes to renting a car. You are pressured into purchasing upgrades and insurance, and sometimes the car you reserved is “no longer available.” Many people feel like they would be better off taking a cab. Before you rent your next car, look out for these common car rental company scams:

Cheap Upfront Prices

Many companies allow you to reserve a car that is 40 dollars (or more) cheaper than competing companies. This is typically because on the day you show up, that car will no longer be available. To get a car, you will need to pay for an expensive upgrade or leave without a vehicle. Assuming you get a car, you will also have taxes and other fees added on in addition to the initial cost of the car. These fees typically raise the price 25% on average.

Extra Insurance

Most people renting a car will be covered by their current insurance policy. However, many people are still pressured by car rental companies to purchase extra insurance. This is the main way car rental companies raise the price of their rentals. Some companies will ask you to pay a deposit, or refuse to rent to you if you do not purchase the insurance. However, in most states, this is illegal – extra insurance is entirely optional.

Damage Charges

Some companies rent out vehicles that are not in the greatest condition. When you bring it back, they will charge you for damage they claim you caused, when in reality it was already there. After you’ve accepted the car and signed that it was in good condition, it is hard to fight these charges. It is important to make note of any damage prior to taking the vehicle off the lot.

Toll Fees

Some states no longer use tollbooths, and instead automatically mail you (or the rental company) a bill after you drive through a sensor. Car rental companies may take advantage of this and charge you well above what the actual toll was.

Gas Fill-Up

If you fail to return your rental car with a full tank of gas, you may be charged for the fill-up, plus an extra surcharge. Another scam is the “fuel package” which allows you to purchase gas from the rental company; at a much higher price then you could down the street.

Who gets the cheapest car insurance after the Olympics?

Who gets the cheapest car insurance?

You can’t have avoided noticing all the ads for these new black boxes. Low mileage drivers pay the least and get the Nirvana of cheap car insurance. Well, as if you needed an incentive to stay at home with the car in the garage, petrol and diesel prices are due to rise again. So even when the Olympics finish and we recover from the thrill of our great athletes winning all those medals, we might just as well stay on the couch. Before the Olympics, there had been weeks of petrol falls from the peak of 142p per litre in April to the current average of 130p per litre (diesel is averaging 137p). But wholesale prices have been going up and these will be passed on at the pumps.

Did you see the other day that the Bank of England is convinced inflation is not a threat. That’s reassuring, isn’t it! That means there will be no wage increases to cover our driving costs when the price increases trickle through to us. And not just to us, of course. All the goods we queue up to buy in our local shops have come by road, so all the prices will go up when pump prices rise.

Then there’s the slow spread of toll roads to think about. In another triumph for the Coalition, it’s proposing to to start imposing tolls on improved existing roads. Twenty miles of the A14 in Cambridge are now likely to be expensive to drive if current plans go ahead. We’re used to the idea of new capacity in our road system being tolled, but this is another broken promise from the Government. Except this complaint makes us all very old fashioned. By staying home we can really get cheap car insurance . If we insist on using expensive fuel to drive long distances on major trunk roads, we’ve no reason for complaint. If you use public infrastructure, you have to pay for it. The fact we drivers have been paying licence fees with the hope this money was improving our roads is like prehistoric. In our Big Society, everyone stays home and uses Skype to stay in touch.

Understanding auto insurance quotes help you truly save

If you are just starting the process of looking for auto insurance, then you know it’s not such an easy task. If you’re new to the process, trying to figure out all of the terms and legalese and still get the best rates can seem even more bewildering. Going into the process knowing as much as possible ahead of time will make this process not only less confusing, but will also make it less expensive as well. Here we will talk about why you need auto insurance, and how knowing the specifics can help you truly save when you are shopping around forauto insurance quotes.

Vehicle insurance is required by every driver in America, and this holds true no matter what your financial situation is or what kind of car you drive. The function of auto insurance is to protect you against financial loss in the event that something happens to you or your car while you are on the road, or even when you are at home. The kind of car you drive will be a significant factor in your quotes, and knowing how this plays a role in your insurance rates will help you determine what you need, what you don’t, and how to save on insurance.

The truth about auto insurance is that not every insurance company evaluates your premium cost the same way. This means that by doing a little homework you can save on auto insurance by finding out which insurance companies are most willing to work with you. The first thing you should do when you are looking for auto insurance is to determine exactly what you need. Liability insurance is required, but you may not need the extra types of coverage, especially if they are not required in your state.

Collision and comprehensive insurance are types of coverage that is sometimes optional. Where liability insurance will protect a third party in an accident for which you are at fault, collision insurance will protect you in the same accident. If you are not at fault, the other party’s liability insurance will cover your losses and damages. Comprehensive insurance will cover you in the event that anything happens to your vehicle that is not accident or collision related. So this coverage will cover things like theft, vandalism, or events deemed to be acts of God or Mother Nature. If you have an older car that will be more expensive to repair than replace in those events, comprehensive coverage may wind up being just an unnecessary expense with insurance, as you will still be out financially in the event a comprehensive act affects your vehicle.

Another way to reduce your coverage costs will be to examine your driving record before you begin shopping around. If you have made a claim in the recent past with insurance, have any tickets on your driving history, you may see your premiums go up. On the other hand, if you know you have some issues but the points on your driving record are set to expire in the near future, you can shop around for your insurance policy with that in mind, as you can expect to see your rates lower as a result.

The most important thing to keep in mind when looking to lower auto insurance quotes is to shop around. Only then will you know exactly what insurance company is willing to work with you and your needs, and give you as many discounts as possible to lower auto insurance quotes. Today the insurance business is more competitive than ever, so use this to your advantage and shop and compare auto insurance quotes before you sign the dotted line!

Tips for lowering auto insurance rates for young people

If you have ever tried to get car insurance for someone who is younger than 25 you’ve probably been unpleasantly surprised by how expensive it is to insure a teen driver. Yes, it’s true, car insurance rates are the highest for younger drivers who are only accumulating their initial experience and there’s a reason for that. Younger drivers make up the group that file the most claims and tend to get in serious accidents more often than older drivers due to the lack of driving experience and general risk taking behavior. So, even if your young driver is perfect behind the wheel he or she will still be charged with higher rates. But do not despair because there are a few tips you may find useful for getting cheaper insurance for a teen driver:

Encourage better grades

It may seem like there’s no particular connection between car insurance and school grades. Yet, there’s a possibility to kill two birds with one stone if you manage to encourage better results from your teen at school or college. The thing is that insurance providers offer attractive discounts to good students and this can be a very effective way of lowering your teen’s auto insurance rates. The main aim is getting an average of B and higher and providing a copy of grade report periodically to the insurance provider. So you get both some cut in insurance costs and encourage the young driver to be a better student.

Shop around

Shopping around is a must regardless whom you’re buying insurance for. There are many companies on the market and they all tend to offer different rates. Why not using this to own advantage and saving some money right from the start. Of course, teen drivers will always be charged with higher premiums but after doing some comparison shopping you can actually find affordable offers. The main idea is getting as many auto insurance quotes from different providers as you can, comparing them and choosing the most competitive one. With so many quote comparison sites out there it’s not that complicated and will only take a couple of minutes.

Keep the teen under your policy

Many parents make the mistake of buying a separate policy for their young drivers once they get a car on their own. This of course leads to an increase in costs because such a policy will sometimes cost twice as much as your own policy even if it carries the same amount of coverage. So instead of buying an individual policy you should consider including your teen to your own insurance policy, even if the teen has a car of his own. By doing so you will still get a slight increase in your premiums because of adding a high risk driver but it will be cheaper than having a separate policy to cover the teen. And if you have several cars in the household you may opt for multiple vehicle discount to lower your current rates.

Get a cheaper vehicle

Getting a cheaper vehicle for a young driver may be not the most popular measure but it’s sure is effective from the insurance point of view. The more expensive is the car you’re trying to insure the higher will be auto insurance quotes. You should be especially cautious about sports vehicles, muscle cars and luxury autos since they are the most expensive to insure.

When buying car insurance why buy liability cover?

In the majority of the states, the law of tort says you’re financially responsible if you cause someone else to be injured because of your bad driving. This can be people in your own vehicle, any other vehicle you hit, or the people on the sidewalk or who own property next to the road. Although physical damage to property can be limited, the value of claims against you for personal injuries can be surprisingly large. Let’s take the worst case of you hitting a top banker driving an expensive vehicle. The most you can be asked to pay is the replacement cost of the vehicle, but now think about the level of medical expenses and how much your victim may lose in pay while unable to work. Then come the damages for the pain and suffering. How many zeros do you see on the value of the claim? Now, of course, there would be little risk to you if you live in rented accommodation, have no assets and a job with a minimum rate of pay. Other than the amount of cover from your insurance policy, there’s little risk to your life. But if you do own your own home, have savings and a reasonably good job, you are now a target. If you lose the case, the court can order your home sold, your savings confiscated and garnish your pay leaving you a bare minimum to live on. It’s at times like this you wish you’d had a reasonable amount of liability insurance. Remember, you are liable to pay even if you have insurance. Whatever is left owing after the maximum is paid by your insurer comes out of your pockets.

This explains why basic liability insurance is mandatory in all but three states. All drivers should be able to offer a minimum amount of money to make good the losses. For example, in Wisconsin the liability minimums as from 11/1/2011 are 25/50/10, i.e. $25,000 as the maximum contribution to medical expenses if only one person is injured, $50,000 as the maximum is several people are injured, and $10,000 to repair damaged property. If your reaction to these figures is surprise at how low they are, you might want to consider buying more than the minimum amounts if you have assets to protect. Some states also make it mandatory to carry uninsured motorist cover while the states running a no-fault system also make it mandatory to carry personal injury protection to pay for your own medical treatment or, in the worst cases, your funeral expenses.

When it comes to estimating whether to buy cover on top of the minimums, it all comes down to a guessing game. Obviously, no one wants to be involved in an accident but, should the worst happen, you want enough insurance so you sleep well at nights. It’s worth paying a little more in premium installments to avoid the stress of court cases against you personally. Car insurance is all about sharing the risks with the other drivers on the road. Only a small percentage are ever involved in accidents so, when the losses are divided among all, the car insurance rates are relatively low.

Want cheap auto insurance? Buy a safe car!

Cheap auto insurance is not hard to find if you have a car that is deemed safe by insurers. For those looking into getting cheap auto insurance, it may be time to look at your car first – what does it lack that your insurance rates are sky high?

Experts say that the safer the car, the lower the auto insurance premium but what makes a car safe?

First and foremost, take a look at the basics. Your car should have seat belts since seat belts are lifesavers and will definitely come in handy in letting you sit tight if a crash happens. Seat belts have saved many a lives and will also save you a lot of money if your car has them.

Another thing to check for are airbags both those that are located on the dashboard and the impact air bags located on the side. These function as cushions when an impact happens.

The good news is, most of the new car models are safer than the ones manufactured in previous years and these car models usually have a number of safety features that will make it easier for you to get cheap auto insurance rates. Often, these cars will cost more but in the long term, they will save you lots of money in terms of your insurance and its maintenance.

What are the safest cars to date? The recently redesigned Audi 6 does not only look good and perform well on the road. It is also one of the top safest cars in the market today. It has a collision warning system and even has night vision.

The BMW 5 Series has good crash test ratings and also features an assortment of safety features that will definitely impress your insurer. From blind spot monitoring, to collision warning to lane departure systems, this BMW model is a good car choice.

If you are planning to buy a safe car to get cheap auto insurance, you should also consider getting the sporty Infiniti EX 35 or the Infiniti M37.

Antique Vehicles and Cheap Auto Insurance

Trying to get cheap auto insurance for antique cars can be tricky. In fact, it can be a bit frustrating too because more often than not, cheap auto insurance for antique and highly valued cars usually do not exist unless of course you can get a discount from specialist insurers.

Getting collectibles insurance may be a fine idea if you really want to give your antique car good protection because even if you see a valuable collection, a traditional car insurance provider will only see it as a risky and therefore expensive deal. Most people who are into collecting old cars do not pay attention to insurance though according to experts and what they usually do is they just call their insurance agent and just add their antique car in their policy.

If you recently acquired an antique car or a relative or close friend left you one, it is possible that you do not know that policies for such cars exist. Experts say though that insuring an antique with a traditional insurer is a big mistake because for one, a traditional policy presupposes that a vehicle’s value will decrease over time. An antique car’s value however is likely to increase or appreciate. There are a number of cheap policies from specialized auto insurance companies that offer good coverage. One has to note though that you should know how much the replacement value is and that your agent should agree with you when it comes to this so that your pristine antique car’s value will not depreciate at least according to its policy. Getting a standard policy will not only be expensive but it will also be quite a headache because it will not give you the coverage that you need.

But how does one get a cheap policy for such an expensive car? Many people would think that this is rather counterintuitive but the reasoning here is simple. Most classic or antique cars are pampered. They are also driven in a careful manner and rather infrequently so this spells cheap auto insurance for the owner.

Free Auto Insurance Quotes and Safety Features in Cars

Looking for free auto insurance quotes? When looking to move to a new insurer or shopping for a policy for a car you are about to buy, getting free auto insurance quotes is a good way to compare and contrast the choices you are given. Aside from looking for the cheapest car insurance quotes however, you can also lower your premium by making sure that your vehicle has safety features not only for your own safety but also for you to save some money along the way.

Seat belts and airbags for example are two very basic yet very important things a car should have. These two things can save your life and the lives of your passengers in case an accident happens. This will also save you lots of money on your car insurance premium.

Having other safety features such as ESC or Electronic Stability Control. This safety feature will help you stop impending skids on the road therefore giving you more control over your car even in an event where you are already expected to not have control over it. This is a highly advanced safety feature and this is something you should look for when planning to buy a new car.

Tire Pressure Monitoring Systems are also a great addition to your car’s safety features. Under-inflated tires are dangerous and this is something that you definitely should avoid. Your car’s Tire Pressure Monitoring System will do this for you though making it one less of the things you should worry about. Other new safety features include blind spot monitoring systems and systems that send you an alarm the minute you start leaning slowly to another lane. The latter prevents those who are tired or sleepy from getting into an accident while on the road.

There are also safety features that need to be installed and this includes booster seats for your small children. Websites that provide free auto insurance quotes usually ask for the safety features of your car before sending you a quote so it is better to have these than pay a high price for your premium.

Car Insurance Quotes And The Gender Difference

Car insurance quotes are determined by a number of factors and this includes your age, your gender and even the place where you live. Statistics show however that most car insurance quotes are heavily influenced by age and gender. Some may call it gender and age bias but this isn’t discrimination at all because auto insurance actuaries base their formula on facts and studies. It is needless to say that insurers will charge higher rates to riskier clients and in the terms of gender, it is the male of the species who are at the losing end especially those who fall under the 16 to 25 age group.

Women in the same age group however enjoy better rates than their male counterparts and this is due to the fact that they usually drive less and are less likely to push their limits while on the road. Most men are easily tempted to drive faster and more often than not, they also have a tendency to drive even if they are sleepy. You shouldn’t worry though because as you get older, your premium will improve but one has to note that there are still insurers that will not provide you with the premium cut that you need since they are using a different formula to determine insurance quotes.

Although insurance quotes are usually personalized i.e. the quotes are computed based on gender and age make it easier for companies to determine how much an individual will be paying. Statistics play a very important role and even if you do not fall under the stereotypes of say women being more cautious on the road or men being more aggressive on the road, it is needless to say that you would have to deal with such stereotypes and just make the most of it. The gender difference is not imaginary though because based on studies, males truly are more aggressive when driving especially those who fall under the 16 to 25 age range.

When looking for car insurance quotes, it is important to compare one quote from one reputable provider to the next.

Auto Class Types Rented by Cheap Car Rental Companies

There are several different classes of auto provided by cheap car rental companies. This allows for a wide range of prices and options when renting your car, whether you’re on a budget or have a ton of people and luggage. Although each company will vary slightly as far as selection goes, there are a few basic categories which are pretty common.

The Economy Car

If you’re looking for the ultimate in cheap car rental, the economy size is your new best friend. Not only are the rental prices lower for economy cars, but the gas mileage is usually outstanding compared to larger vehicles. Economy cars may also be called compact cars, although some companies may offer compact cars as a separate rental category. If this is the case, compact usually costs a little more than economy.

Standard Size

The next level up after economy/compact are the midsize or standard vehicles. Again, some companies may separate these into two separate categories (or more) while others include all mid size and standard vehicles under one “standard” rental category. These cars seat more passengers than economy/compact cars, and also have more cargo room.

Cars to Avoid

If you are aimed at cheap car rental, you should definitely avoid larger vehicles. Trucks, vans, minivans and SUVs will all cost quite a bit more to rent than either economy or standard vehicles. The larger class of rentals also get worse gas mileage, so you’ll be paying more at the tank than with other rentals.

Luxury rentals are another no-no if you’re trying to save money. Forget the brand name cars and look for something that’s more budget-friendly.

Making Your Choice

When it comes time to decide which rental car will work best for you, don’t forget to take into consideration more factors than just price. For example, you have to have enough seating for everyone in your party, and room for any luggage you may have. The family who needs to rent an all-wheel drive vehicle in order to get to their campsite will have very different needs from the single businessman who’s just using the car to get from his hotel room to his conference and back again. If your goal is cheap car rental, take a look first at the economy and compact cars, and go from there.

Cheap car insurance and usage-based insurance

It’s curious how quickly an idea either takes off or dies the death. What was casually called pay-as-you-go has now become a highly competitive market. If you ever wanted proof of just how competitive, you only have to look at the court roster where you find Progressive suing State Farm and The Hartford for alleged infringement of patents. You may well throw up your hands in despair. We are used to seeing technology companies accuse each other of copying the other’s patent for an on/off switch, but patents also cover any business ideas that no one has registered using those words before. So Progressive claims it registered the idea of using technology to monitor how far and how well people drive and to offer discounts to all the safest drivers. Now we have to wait for a judge to say how obvious this business plan is and that it should never have been registered as a patent. Until then, attorneys are collecting their usual high fees to fight it out to the death.

So what exactly is Progressive offering that it feels must be defended so aggressively? In most states, this insurer was the first to offer a black box for monitoring driving behaviour. The most recent version is called Snapshot. What makes this so interesting is you can run it for a one month’s trial while holding your existing policy. This gives you a direct comparison and tells you exactly how much you will save if you make the switch. If you decide not to switch, there’s no comeback. Progressive simply recovers the hardware link and looks for business elsewhere.

Why is usage-based insurance the best chance for inexpensive car insurance? The answer comes in two different ways. The first relates to the number of miles you drive and the time of day you drive them. The statistics show low milage drivers have the smallest numbers of accidents, particularly if you drive at off-peak times. Second we come to the way you drive. Gentle acceleration, modest braking, no violent swerving all indicate a safe driver. That earns you cheap car insurance. All the insurer has ever wanted is proof you are safe. Now technology supplies that information you can earn maximum discounts.

Before calling to car rental companies decide where to go among these top U.S. road trip destinations

Preparing to go on a road trip, comparing quotes from car rental companies on a car that will fit your needs is a bright idea. Car rental companies cater to the family travelers, the couple as well as the solo travelers, etc.

If you have already chosen a car but don’t know where to go even if you are itching to drive cross country, you can visit the best road trip destinations in the United States. Here are some of them:

Washington, DC and Virginia

The colors of Washington, DC during autumn is just spectacular and whether you plan to go there to get a glimpse of the White House or the Lincoln Memorial, make sure that you pay Virginia a visit too.

New Orleans, LA

Ahh … the magic of New Orleans is like no other. This one-of-a-kind destination features unique architecture especially in the infamous French Quarter. The cuisine is also to die for and eating Cajun or Creole dishes while listening to jazz is definitely worth the long ride.

Colorado

Visiting the Rockies is a good idea and if you remember Katharine Lee Bates’ America the Beautiful, it is interesting to note that she was in Colorado when she wrote it. Colorado is a great road trip destination for those who love the great outdoors. In the summer, the spectacularly beautiful state features a number of activities – from swimming in its pristine waters to fishing to mountain biking and whitewater rafting.

Boston, Massachusetts

Historical sites and pubs are what you get if you go to Boston, MA. You can barhop all you want and experience fantastic pub fare – probably the best compared to what is offered in nearby states, according to experienced barhoppers.

Disney World, Florida

There’s nothing like going to Disney with the kids. All the magic and fun in one place is definitely worth the long drive.

Grand Canyon, Arizona

This is definitely the top road trip destination because it is not just one but one of the best natural wonders the world has ever seen. If you are planning to go to the Grand Canyon, it is best to compare quotes from different car rental companies. The best car rental companies will be able to offer reasonable daily rates for your rental.

Senior drivers can get better insurance rates

The Insurance Institute of Highway Safety i s one of the most authoritative organizations that researches and comments on insurance matters. A part of its remit is to monitor the general levels of claims and to make informed predictions based on the trends. As the number of boomers reaching retirement age has been increasing steadily, the IIHS suggested there was likely to be a steady increase in the number of claims made by drivers over the age of 75. At the time, this seems a reasonable assumption. As we age, everyone finds their reflexes slow down and their eyesight is no longer as sharp. Yet the IIHS has now admitted it made the wrong call. In fact the number of accident claims involving the elderly has fallen. In the most recent data covering 2009 through 2010, this trend has continued.

From the other part the safety net for our seniors ensures they still have access to good quality treatment. This is helping them stay in better shape. Another important fact i sthat our seniors are more socially responsible. They know they may be starting to lose their edge so they begin to drive more slowly, and avoid driving at night when they may have greater difficulty is seeing. As the mental faculties also come under pressure, they keep to the routes they know well and generally take greater care. The most responsible go through driving courses designed to help seniors navigate our roads with the least risk. Some modify their vehicles to make them safer.

The real cheap car insurance solutions comes through membership of Carfit, the project runningh jointly by a number of organization representing the interests of the aging. The idea is to offer advice and practical assistance to upgrade skills and make vehicles safer to drive. This reflects the reality that the elderly cannot easily adapt to modern life unless they continue to drive. With insurance companies offering the cheapest car insurance rates as an incentive and occupational therapists to advise, there’s no reason why seniors cannot continue driving without having an accident.

The pay-as-you-go insurance market makes buying auto insurance even more convenient

We’ve had usage-based insurance for a few years now and the technology is developing rapidly. It started off relying on the insurer installing a little black box into your vehicle. This would collect data from your onboard computer and transmit it to the local headquarters of your insurance company. Based on this information, discounts reflecting your milage and safety record would be granted. This is a good system but moderately inconvenient because you have to have the technology fitted and surrender it when you cancel the cover. In the early days, the transmitter proved not very reliable. Now, of course, we have mature technology and everything works really well.

In the meantime, the car and truck manufacturers have been working hard to refine their own computer systems. Many have built-in transmitters to communicate the need for repairs to your own garage. The only problem is the different manufacturers have different systems and none of them talk to anyone other than authorized garages. Until now, that is. Sprint Nextel has been working with the insurance industry to offer a cloud-based solution using its 3G network. Sprint’s system collects all the data relevant to deciding how good a driver you are. It passes on the data to your insurer which monitors your performance over time. Presented with this information the insurer has a choice. It can either offer you a flat rate for a fixed term, or it can vary the level of discount month by month.

This gives everyone a chance at earning auto insurance discounts. The best shot of really cheap auto insurance goes to the seniors, unemployed and homemakers who only drive a few miles every day. But not everyone falls into this convenient group. Some people have long drives to commute to and from work at peak times. Nevertheless, with evidence of good driving, you can still earn discounts. Perhaps it’s only affordable and not the cheap auto insurance you were hoping for, but some saving is better than no saving. It all comes from verifiable information you are a good driver. That makes it worth giving up a little of your privacy.

For cutting auto insurance cost comparing multiple quotes is the only key

Car insurance is rather a strange product. Thanks to state laws around the country, it’s mandatory to carry the minimum of liability cover. In real terms, you need it to protect your financial situation, but it gives few people any pleasure in having it – except when someone claims against you or you total your own vehicle and can claim on your collision policy. To confirm its rather unique status, it’s also highly regulated. There are federal laws and each state has an Insurance Commissioner whose job it is to lay down minimum standards for the quality of the service local insurers give their customers. Because the Commissioners also have a say in the wording of the terms and conditions, and can exercise some degree of control over the rates that insurers charge, the differences between the insurance products are rarely significant. To give you the best chance of being able to make price comparisons, all insurers must publish their rates. Except, the companies deliberately make their published tables so complicated, it’s very difficult to predict exactly what you will be charged before the quotes come in.

So you cannot search the internet passively for your comparison shopping. Trying to use Google is not going to help. There’s no guarantee any of the high ranking sites will offer you transparent information or unbiased advice. So the only option to get the maximum auto insurance quotes is to go through a comparison site like this. Although you will be asked to complete forms and supply personal information which can be turned into cash by the company collecting it, the bulk of the information is relevant to the assessment of the risk and does enable the insurers to give you the quotes. The fact the collecting company can sell on your personal information means you can use the site without payment. When the quotes come in, you can usually see major differences between them. Now you have to avoid prejudices. Do not prefer some auto insurance quotes because they came in quicker than the others, or the agents seem nicer when you talk to them or because you have brand loyalty. Make the decision on the basis of the evidence and act on it. There’s no point in getting auto insurance quotes unless you are prepared to change insurers.