Tips On How To Decrease Your Auto Insurance Premium

Each car owner searches for low cost auto insurance premiums and can be found if you prepare properly. Nevertheless, like every thing in life, you need to approach this the right way. With so many insurers claiming to offer drivers the best deals, it may become complicated and hard to find out which insurance coverage is right for you, and will give you the most bang for your buck. Nevertheless, you can reduce your auto insurance costs, by following the tips here.

To begin with, it pays to shop around. This guidance is not always taken by a lot of drivers. Lots of people settle for the first price they're quoted. This price is usually not as competitive as it might be. You may find that you could possibly get a much better deal with an alternative insurance provider, if you commit time researching numerous insurers, particularly when your insurance needs to be renewed.

It has never been simpler to obtain a range of quotes from different insurance firms. It's now achievable to obtain a quotation by contacting a nearby broker, on the internet, on the phone or face-to-face. Simply provide your specifics and insurance coverage you desire, and acquire a price effortlessly.

An easy way to decrease the price of your vehicle insurance, is to purchase other insurance products and services from the exact same insurer that protects your automobile or automobiles. When you combine your automobile insurance coverage with other types of insurance coverage for instance life and property insurance coverage, you're insurance company may be more agreeable to offer you greater reductions.

All the leading insurers want to appeal to more buyers, by offering different kinds of special discounts. These discount rates may be age-related, determined by your motoring background or the type of automobile you drive. Some insurance companies are still pricey, despite all these reductions. The total insurance coverage cost and what you're insured for are most important, instead of concentrating on discounts offered. However, in some instances your decision may be decided by the discount rates you get. These can be improved if you have undertaken a defensive driving study course and have a good driving record.

If you've had your vehicle for a several years, you could decrease your costs by reducing the amount of insurance coverage for that particular automobile. Removing your comprehensive or collision protection would be the most simple way to achieve this. In many cases, it may not be worth your while financially, to have this amount of protection for an older vehicle.

Another way to reduce your insurance premium, is to obtain higher deductibles. A deductible is a quantity of money a driver will pay before insurance firms cover the cost of a collision or a claim on a comprehensive insurance policy. If your deductible is higher, you pay less for your insurance premium.

The insurance coverage business is an incredibly competitive market place and there are many opportunities to obtain more affordable motor insurance. The various alternatives and various insurance coverage available, occasionally confuses people searching for motor insurance. Oftentimes they finish up spending too much for their protection and do not make the most the lowest auto insurance premiums readily available.

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Utah and North Dakota: No Fault States

If you want to know more about no fault insurance for the states of Utah and North Dakota, you have come to the right place to get vital information about Utah no fault insurance. Utah DUI and North Dakota DUI laws have changed over the years.

What is a no fault system?

A no fault system means that the driver doesn't have to prove the crash was someone else's fault before getting compensation. The insurance company covers the medical bills and rehab costs to the amount the driver purchased. The injured party also cannot sue the driver for pain and suffering, or emotional distress for any matter. The no-fault part of your Utah auto insurance plan goes by PIP or Personal Injury Protection.

What are the minimum state requirements for auto insurance?

With auto insurance, three numbers are presented for the minimum state requirements someone can have. The first 2 numbers have to do with -

Bodily injury

liability limits

The 3rd number refers to property damage. For Utah the numbers are 25/65/15, which means bodily injury is covered for up to $25,000. Liability is covered for up to $65,000; not bad for the state of Utah. This of course means that Property damage is covered for up to $15,000 for Utah. In North Dakota the numbers might surprise you- 25/50/25. Nothing better than having a plan that covers you on the road. Get insurance for Utah and North Dakota as soon as you can, reader. If you are caught driving uninsured, the punishment won't be a walk in the park.

What penalties will I suffer if caught driving uninsured?

In Utah, driving without insurance gets you a penalty that can have you paying a lot of money. Here are the specifics -

$400 for first offense

$1000 for 2nd offense within three years of bailing out of jail or previous conviction. If the driver can prove insurance problem was fixed before the sentencing but after the violation.

In North Dakota the penalties are as follows-

Under penalty 'proof of financial responsibility for the future', this means being able to prove ability to pay in case of liability during accidents that occur after the date of needing to prove one has insurance. Amount needing to be covered is $25,000 in case of bodily injury or death of two or more people in an accident. $50,000 if bodily injury or death of two or more people in an accident. Lastly, another $25,000 due to injury or destruction of property in an accident.

Under the 'Driving without liability insurance prohibited' rule, A person can't drive a motor vehicle in North Dakota without having a valid policy of liability insurance. Violation will result in being charged with a violation and needing to get liability insurance within 20 days from date of request.

What are the DUI laws for Utah and North Dakota?

In short, anyone caught with the 1st DUI in the state of Utah can expect:

48 hours in jail at minimum

48 hour Work Service

House arrest

$700 fine

License suspension of 120 days

In North Dakota, anyone caught with a DUI can expect these penalties:

$250 fine

91 days license suspension if BAC is up to.17

License suspension of 108 days if BAC is.18 or above

Alcohol evaluation


Hopefully this article has answered your questions about DU law in these two states. Drive safe and don't drink and drive.

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Important Tips Regarding Oil Change For Your Car

It is no doubt very important to get your car's oil changed on-time. However, since it is about the most valued part of your car, the engine, it is extremely important that you have necessary information about it like quality to use, timing of change (whether it really is important to change car oil after 3000 miles), and many other tips. You may not be close to an auto repair shop or you just want to do-it-yourself, a friend of mine in Fairfax, VA gave very helpful tips regarding this:

1. Do not change oil while the engine is hot. Let it cool for a few hours. It can burn you badly. Allow it two hours at least to cool before starting. When engine is hot, its temperature usually touches 250 degrees. It can burn you badly. Another reason why you should cool the oil down is that all deposits settle into the bottom of the pan.

2. Oil chemistry and engine technology have now improved to the point that most cars can go several thousand more miles before changing it. So 3,000 miles oil change is not necessary for all the cars.

3. Although most cars take 4-5 quarts of oil, you must however owner's manual for the recommended amount is required and more importantly recommended grade of motor oil to be used. Do not overfill.

4. Make sure the parking brake is set and start the engines in a well-ventilated area after you change the oil. Its pressure light may be on, but it should go out after a few seconds. Once the light goes out, allow the engine to run for a few more minutes.

5. Show responsibility. Protect the environment and conserve resources by taking your used oil and filter to your nearest used oil collection center. My friend visits a used cars center in Alexandria after do-it-yourself oil change to dispose-off used oil.

6. If you are traveling on bike or car for a long journey and you think your car needs oil change, here is a great tip to get help. The locals can buy the used oil from you. They buy and use it to paint on the underside and foundations of houses. It prevents termites from eating the wood. So, if you're on the road and want to change the oil, just walk up to one of the houses and tell them that you need to change your oil. They will help you if you ask them to bring their own container to take used oil.

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A dying breed

They've never had much practical use for anything besides bragging rights, but they were as American as a quarter pounder with cheese. Now they ought to be listed with other endangered species like the Eastern cougar and Kemp's Ridley turtle.
I'm talking about fast high-horsepower cars. Really fast cars, like in three times the legal speed limit. The kind you loved in Smokey and the Bandit and Two-Lane Blacktop. Traditional Detroit iron.

The handwriting is on the wall for these V-8-powered monsters. Gas prices are getting scarily high, the climate is getting scarily warm, and the nanny state wants to take all our fun away. Truck owners are already making the switch. Ford is selling more F-150s with sixes than V-8s.

Any day now, you expect to hear rumblings about bringing back the 55 mile-per-hour speed limit. Signed into law in 1974, the so-called "Double Nickel" was widely reviled and widely ignored before it was finally repealed in 1993. As Homer Simpson observed about the 55 mph limit: "Sure, it'll save a few lives, but millions will be late." It helped make the 1970s perhaps the worst decade ever for cars. Remember those speedometers with the big "55" that maxed out at 85 mph?

Herewith, America's fastest cars and a few sensible alternatives. R.I.P.

Corvette ZR1

0 to 60: 3.3 seconds
Top speed: 205 mph
Flagship of the Corvette line, the ZR1 is powered by a supercharged V8 that puts out 638 horsepower. Reviewing it in 2008, Jeremy Clarkson of Britain's Top Gear said "Oh, it's not built very well. After just three days in my care, the boot lock disintegrated, and the keyless go system refused to acknowledge the keys were in the car, but I didn't mind because there is simply no other car that looks this good, goes this fast -- in a straight line and around corners." 2011 price: $110,300.

For those who like a less-rich confection, there are the Z06 Corvette (198 mph; $74,375); GS (190 mph; $55,045) and Coupe (190 mph; $49,045). GM is engineering an all-new Corvette, but the chances of it building any more 200-mph models are between slim and none.

2005 Ford GT

0 to 60: 3.3 seconds
Top speed: 205 mph
This is a bit of a cheat because the GT hasn't been in production for five years. It's included because Ford has opted out of the go-fast sweepstakes by limiting its cars to a maximum speed of 155 mph. The production run of 4,038 GTs ended in September, 2006 with buyers paying $149,995 each. The GT is similar in outward appearance to the original GT40, winner of the 24 hours of Le Mans four times in a row in the 1960s. That guarantees it will be cop bait.

2010 Dodge Viper SRT10

0 to 60: 3.7 seconds
Top speed: 202 mph
Another dinosaur, the Viper is on hiatus until the 2012 model year. Given its primitive engineering (the original was already a throwback when it was introduced back in 1991) and minimalist creature comforts, it is amazing the Viper has survived this long. Its iconic 510 cubic inch V-10 engine, which produced 600 horsepower, would clearly seem to be a thing of the past. Dodge says the new Viper will have a shorter hood, be accessible to more people, and be more forgiving on the road. Call it Viper Lite. Price of the old snake: $92,885.

Cadillac CTS-V

0 to 60: 3.9 seconds
Top speed: 190 mph
The CTS-V is a rarity in the supercar ranks for two reasons: Cadillac brags about its top speed in TV commercials, and you might actually want to own one. Cadillac's line of V-series high-performance models come in three flavors -- sedan, coupe, and sportwagon -- any one of which you could use to pick the kids up at school or go to the grocery store. All three have the same base price -- $63,600 -- but my favorite for looks and utility is the sportwagon. Just to prove the CTS can go around corners, GM ran one at Germany's famed Nurburgring and set a record for a production sedan on factory tires.

2011 Dodge Challenger SRT8 392

0 to 60: 4.7 seconds
Top speed: 182 mph
The third generation of the muscle car first built in 1970, the 2011 Challenger SRT (for Street and Racing Technology) arrives with a new 392 cubic inch, 470-horsepower version of Chrysler' famous Hemi engine. Look for the 1,492 Inaugural Edition models in one of two exterior color packages: Deep Water Blue or Bright White Clear Coat. At $44,380 and 4,200 pounds, the Challenger costs about the same per pound as a good steak and goes much faster. At 14 mpg city/23 mpg highway, though, it sure won't win any fuel economy prizes.

2010 Jeep Grand Cherokee SRT8

0 to 60: 4.5 seconds
Top speed: 155 mph
A speedy SUV, if that isn't an oxymoron, the Grand Cherokee is on hiatus until it returns this fall for the 2012 model year with the new Hemi. At 4.8 seconds to 60 miles per hour, Jeep calls it the fastest Grand Cherokee, although our data has it 0.3 seconds slower. The fuel economy improvement is incontestable: Jeep claims the new SRT8 gets 13% better fuel economy than its predecessor. That's setting a low bar: The 2010 model was rated at 12 mpg city/ 16 mpg. highway. With that kind of mileage, Chrysler won't be selling very many of the new ones in Europe, even with Fiat's help. Last year's MSRP was $44,105.

2012 Shelby GT500

0 to 60: 4.3 seconds
Top speed: Limited to 155 mph
After an interval of 37 years, the Shelby nameplate returned to Ford on some specially-equipped Mustangs in 2007. This year, the GT500 gets an engine update with an all-new 5.4 liter aluminum motor that is 102 pounds lighter than the previous cast-iron engine and produces 550 horsepower. Is this a muscle car for environmentalists? With an EPA rating of 15 mpg city, 23 mph highway, the Shelby avoids the gas-guzzler tax. At $48,310, the Shelby is $8,500 more than the 2012 Boss 302 Mustang, which takes three-tenths of a second longer to get to 60 mph.

Lincoln MKS EcoBoost/Ford Taurus SHO

0 to 60: 5 seconds/5.2 seconds
Top speed: Limted to 134 mph/131 mph
In the sensible-shoes category are these two mechanically-similar sedans. Instead of thirsty V-8s, they are both powered by twin-turbo V-6s, part of Ford's Eco Boost family. As the numbers show, they provide perfectly adequate performance and better than adequate fuel economy. Both cars are rated at 17 mpg city/25 mpg highway. The 2011 Taurus starts at $38, 155; the 2011 Lincoln at $41,500.

Tesla Roadster

0 to 60: 3.7 seconds
Top speed: 125 mph
The only battery powered car on the list, the Tesla theoretically represents the future. It offers the performance of a supercar without a drop of gasoline. The future is not all champagne and roses, however. According to the EPA, the Roadster can travel 244 miles on a single charge, but real world motoring (using accessories like headlights; driving with a heavy foot) results in much less range. Remember too that the roadster is based on a lightweight Lotus Elise sports car made of pricey carbon fiber, and an uncomfortable one at that. Price: $128,500.

But that acceleration! Under four seconds is fast enough for even the most hardened performance junkie, and with an electric car, it gets delivered smoothly and effortlessly. The V-8may be dying but we have something better coming along to replace it.

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