This means that if you get into a lot of accidents, get a lot of tickets or even just break the law a lot in general, you are going to have a very, very high car insurance premium, which is something that everyone should be trying to avoid!

Your age is also something that you want to take into consideration, which obviously can not be changed but you certainly want to keep in mind that if you are under 25, your insurance premium is higher.

One thing that is definitely over looked is that allowing your auto insurance policy to lapse will make it impossible for you to take advantage of any discounts that you might be looking into.  If you let your car insurance lapse any, you will definitely condemn yourself to higher rates.

However, you can always reach out to your insurance agent to seek their advice and they may be able to offer up some insight.

Can we have a little talk about all of the rain that has been happening on the east coast lately?  Me, I just moved from Michigan to Mass and I have to say that this particular state got hit with rain and that made me think about how many people do not know how to drive in the rain.  So that is what the next few blogs are going to be about – driving in the rain!

Firstly, you want to make sure that whenever you are driving in the rain that you are extremely cautious and that you are very, very careful, as the rain is slick.  That does not mean that you have to go 10 miles an hour all of the time, but you do want to make sure that you are careful.

In the next blog, we are going to talk about how you can use your brakes to your advantage!

For one thing, the factors that make this true are as follows:

• Women do not drive as often as men; because they do not spend as much time driving, they do not put as much mileage on their vehicles on an annual basis.
• Women are involved in less accidents than men; they are involved in fifty percent less accidents, and those accidents result in less bodily harm and/or property damage because women drive at slower speeds.
• Women do not commit as many crimes with their vehicles.
• Women obey traffic laws more consistently than men.

Because, do you want to know a secret? Girls win when it comes to the cost of car insurance. Simply put, car insurance is less expensive for women than it is for male drivers.

That is the honest truth — and, yes, we are going to discuss the specifics of why this is so. After all, you guys may be able to use the tips to your own advantage.

Of course, many drivers prefer paying their premiums on a monthly basis because, even with the added fees, the payments are far smaller than they are when paid on a biannual basis.

However, drivers who opt to pay every six months or every year can often get a better rate, so this is the option you want if you are good at saving money or already have the savings.

If, however, your driving record and your credit are both in good standing, then you might prefer a no down payment option with your policy.

The payment options you choose can have an effect on the rates for your car insurance. There are some car insurance companies which charge additional fees for those customers who elect to pay their rates on an alternative schedule — that is, a schedule that the car insurance company does not consider standard.

You see, you can elect to pay your auto insurance premiums by month or by year, you can choose a no down payment option, and there are many others from which to choose as well.

Now that we have talked about how you can keep your car repairs in check, let’s go ahead and talk about some more ways to save some cash on your repairs for your car.  While you can not do everything yourself for your car – you can make sure that you are getting the best deal out there.

That brings me to shopping.  No, not Christmas shopping yet, but shopping to find the best auto repairs place as well as the best auto repair price.  Now, I recently went through this myself and I found that getting on the phone with the auto repair places is the best option – usually, I am all about the internet but this is important.

You want to make sure that you not only listen to the tone of the person who picks up the phone but anyone who quotes you rates … get their name.  That way you can reference them when you go get your car fixed.

In this day and age, trying to save money is definitely something that is on everyone’s mind.  Whether you are looking to scrimp a little bit on your car insurance policy or you are just trying to cut back on the luxuries in your life.  Your car repairs do not have to cost you an arm or a leg – I can promise you that.

While you definitely do want to keep your car repairs in check, there are little things that you can do in order to keep your repairs up and your costs down.  For example, learning how to change your own oil or even your own brakes is a fantastic way to save quite a bit of money.

Brakes are usually the most expensive and I can promise you that if you learn how to change them yourself, you will only spend about $20.00 on brakes!

Their familiar red umbrella logo is really reassuring for most people as it is a symbol that they are going to take care of you.  Currently — Travelers Insurance actually has a 92% overall customer satisfaction and I absolutely love that about them!

This is an insurance company that gives two craps about their customers … and that is more than some car insurance companies.