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Auto Insurance Quotes In Big Cities When Theft Rates Are High

Insurance companies make their profits by being able to estimate the risk of you having an accident and making a claim. At one level, this is a matter of common sense. Suppose you live out in the depths of Kansas where you rarely see more than one vehicle an hour on some of the country roads. In such a quiet environment, the chances of you being involved in a collision with another vehicle are small. There’s a still a risk of you running off an empty road and hitting a fence post or tree, but that’s hopefully not too high a probability given your eyesight and driving ability. Now relocate yourself into a large city where there’s traffic on the road around the clock. Worse, at peak commuting hours, the volume of vehicles is significant and, with everyone anxious to get into work or back home, corners are cut and accidents happen. Now move into the night. This is the time many party animals come on to the road and, for a number of dangerous hours, there’s a real risk of someone with an excess amount of alcohol or drugs in their bloodstream crashing into your vehicle.

Big Cities And Pay-As-You-Drive Policies

With the improvement of technology, it’s now possible to achieve real savings if you prove you drive only a few miles a week at off-peak times. This offers highly affordable cover to seniors, homemakers and the unemployed. So long as you are prepared to sacrifice some of your privacy by having the insurer monitor when and where you drive, you can save up to 40% on the usual auto insurance quotes in big cities for someone of your age and experience.

Theft Rates

Every year, the National Insurance Crime Bureau (NICB) publishes national and state statistics showing which makes and models are stolen, and which cities have the highest theft rates. For the record, there has been a steady decline in the number of vehicles stolen over the last year years and 2011 saw the lowest number of thefts since 1967 with […]

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How Good Car Maintenance Lowers Auto Insurance Quotes

You probably know that providing regular maintenance to your car saves you money in the future on repairs, but do you realize it can also save you on auto insurance? When you don’t care for your car on a regular basis, you increase the likelihood that something will go wrong. Many things that can go wrong can happen while you are driving and cause an accident. It is important to maintain your car for your safety.

Routine Maintenance

Certain maintenance must be carried out on a regular basis. This includes checking and changing the oil, checking tire pressure and fluid levels, replacing spark plugs, and inspecting the brakes. Not all of this must be done the same time, but it should be followed at some point in the ownership of your car. If you buy a used car, you may have to maintain it more often because you do not know how the previous owner took care of it.

Some aspects of the car are more dangerous than others when they fail or quit working. Brakes, power steering, and tires are three areas that can cause serious accidents when something goes wrong. If you keep a car over 100,000 miles, you can expect to replace the brakes and tires. Power steering may never need to be changed, but it is important to keep an eye on fluid levels.

Tires need to be monitored for wear on the tread and replaced before they become hazardous. However, other issues arise with tires such as wearing on one side only or knots that form on the tires that can cause issues with driving.

Follow Your Maintenance Guide

If you buy a brand new or new used car, you will probably have the car guide in your glove compartment. Take the time to read the section on maintenance; this tells you when to make appointments for the various systems on your car. Follow this guide because it was designed for your make and model of car.

When you don’t care for your car the way it needs to be, you end up with more repairs […]

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