Travel & Vacation Guide

Saving money on car insurance requires a combination of techniques that improve your insurability, decrease the rate of insurance for your vehicles, and provide you with a unique advantage when it comes to purchasing car insurance.

This article will outline seven techniques that will ensure that you receive the lowest possible car insurance rates.

1 – Choosing the Best Insurer

Cost is certainly one factor when considering car insurance, but your insurer selection should be weighted more heavily on reliability. You could easily call a number of insurance companies, ask for quotes, and simply select the lowest bidder. However, even if the lowest cost insurer saves you hundreds of dollars a year in premium payments, that savings does you no good if you find yourself in an accident, needing car repairs or medical attention, with an unreliable and unresponsive insurance company. A good company is crucial. It’s not just about car insurance best rates.

#2 – Customize Your Policy

Before you begin calling around, it’s important that you determine the level of insurance coverage you need. Not everyone’s insurance needs are the same. Some families own two or three very expensive vehicles, while other families own only older used cars. Some people are members of AAA, while others are not. The specific terms of a policy should be determined by your life situation and the value of the items being insured.

#3 – How to Become Highly Insurable

Whether you’ve already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to obtain the lowest possible rates is to improve those things that car insurance companies look at when they calculate your insurance premium. There are several things you can do in the short term to improve your insurability standing, and there are also things you can do over the long term to improve it as well. This section will describe four major elements of this technique to save money on your car insurance.

#4 – Reduce Your Car’s Insurance Rate

Another extremely effective technique to obtain the lowest possible insurance rate is to improve those things about your car which car insurance companies value the most when they calculate your insurance premium. There are several things that you can do before buying a car that will dramatically decrease your insurance premium. If you’ve already bought a car, however, and are looking for ways to decrease your existing insurance costs, there are still methods you can use that will substantially cut your premium costs.

#5 – Gaming the System

In addition to all of the techniques already listed in this article, there are also additional ways that you can use the insurance industries rating rules and premium calculation system in ways that will reduce your costs. Again, use the industry’s rules to get car insurance best rates.

#6 – Constantly Update Your Policy

One of the most important things that you can do to keep your insurance premium at a minimum is to always remember to update your insurance provider of any changes in your life that can reduce your insurance costs. Forgetting to do this can be very costly.

#7 – Deciding on Liability Only

There comes a point in the life of a car when the decision needs to be made whether or not it is worthwhile to maintain collision and comprehensive insurance coverage.

Getting Rock Bottom Insurance Rates

If you carefully follow each of the sections outlined in this guide, you are guaranteed to receive the lowest possible insurance rates for anyone within your calculated risk bracket. No one should ever overpay for car insurance – especially given the fact that there are so many insurers in the industry competing for your business.

Most people overpay for car insurance out of sheer laziness. However the consumer that understands how car insurance works, and is clever enough to take advantage of all of its loopholes, will save significantly on their premium in the long run.

Before you step foot into another insurance office, or visit another insurance website, make sure to print this guide and follow it carefully in order to ensure that you get the best insurance deal possible. Remember, car insurance best rates are achievable.

With the environment such a hot topic around the world and especially in the transport industry, there are companies that are embracing new environmentally friendly technology. Hybrid Cars and ever increasingly fuel efficient diesel cars are becoming more available to mainstream motorists. I used to work for a corporate travel company and many of the major corporations were requesting the inclusion of Hybrid cars in their contracts. This was more to do with increasing business opportunities by being seen to be green as opposed to wanting to be green!

The question arises when people travel and want to maintain their commitment to the green cause. Car Rental companies will be the ones providing these vehicles… or will they?

I have chosen (for the Australia traveller) major car companies that you can book ‘green cars’ with. Working for DriveAway Holidays here in Australia, the most common request is for diesel cars. This is driven out of cost concerns and also the occasional environmental concern. (Shouldn’t it be the other way around??)

First off the rank is Avis Rental Cars.

In Australia, the group L car will give you a Toyota Hybrid. This car is the favorite for the car rental companies due to it being built by Toyota.

In the UK, there doesn’t appear to be any green cars, although there may be diesel cars on fleet, Avis don’t make them easy to find.

In the USA, like Australia, the Toyota Hybrid under group XG is available.

Second off the cab rank is Hertz Rental Cars.

In Australia, like Avis, the Toyota Hybrid is the car of choice. Book a group G and you will get this car.

In the UK, Hertz has a range of fuel efficient diesels on fleet but no hybrids. This seems to be a common factor in the UK. Being an expat, I know that Toyota car prices in the UK are reasonably expensive compared to other european manufactured vehicles

In the USA, Hertz has a range of Hybrids, although on some of the cars, I couldn’t tell if they were Hybrid or not.

Now, all credit to Hertz as they do promote their green cars as part of their Green Fleet. Avis don’t appear to market their green cars in any way, which is a shame.

Third on the cab rank is Europcar Rental Cars.

Again, unlike Hertz, they appear not to promote their green fleet. Looking at their Australia Fleet guide, they have the regular passenger vehicles such as Small, Medium, Large, Prestige, Minivans, Sport, 4WD. Europcar list the green car as part of there regular fleet, however, it does have it’s unique identifier (IHAR) in Australia.

In the UK, Europcar doesn’t appear to have any green offerings. Maybe it’s something you can request at pick up. Personally, if I could book a green car over the internet, I would do so with a company that offered that service.

In the USA, I chose LAX as Europcar have a limited presence. There were no cars I could find that looked green.

To Europcar’s defence, in other parts of Europe where they are particularly strong, one is able to guarantee a diesel for an extra few euros per day.

In this brief look, Hertz appears to be the only car rental company that is actively promoting green cars. Avis & Europcar seem to be a bit hap hazard in their approach to a green fleet. Whilst it may be a case of logistics and a supply issue, there is no reason why they couldn’t promote their green cars.
I am sure that in 12 months time, the situation will be that every car rental company will be actively marketing green cars. The consumer can currently offset their CO2 emissions in the various transport sectors and I am sure that the car rental industry will follow suit in the near future.

The Environment is a marketers dream and I do think that some of the car rental companies have missed the boat so far. Hopefully their marketing departments will wake up and smell the cleaner air.