New Auto Insurance Options Allow Drivers to Save Money
When it comes to auto insurance, established standardized premiums typically take into account information about both the driver, as well as their automobile. However, new programs offer discounts based on how much, or how little, a person drives per year, which can serve to save significant amounts of money at the end of the year.
With the new “pay-as-you-drive” programs offered by various auto insurers, a retired person who drives to their local market and church only once a week would pay less than an employed person who drives to work daily, as well as on weekends. These types of programs also benefit customers who choose to utilize public transportation, as well as stay-at-home moms, who only drive for the carpool and soccer practice after school.
The new program also addresses discounts based on the distance a particular driver may cover. Typically, people benefiting from such a program drive less than 15,000 miles per year, which in today’s era of telecommuting, could account for a large number of people who work from home. In addition, certain “pay-as-you-go” programs use a GPS-type of device to track not only how many miles the vehicle is driven, but also take into account the braking and accelerating frequency of the driver.
One of the major insurance companies, Progressive, offers a “pay-as-you-drive” program called Snapshot, which provides “discounts of up to 30% per year off its regular car insurance rates.” The program takes into account the miles a car is driven, when the car is driven, and how it’s driven. Factors affecting an individual’s rates include driving during what is considered “peak time for accidents” (between midnight and 4 a.m.), as well as if the driver makes a lot of sudden stops and starts.
The Snapshot program is designed for vehicles built from 1996 to the present, as a monitoring device must be installed and cars built prior to 1996 are not compatible. The device monitors “mileage, the time of day when the car is driven, and driving style.” The program is currently available in 25 states, as each state sets its own insurance regulations, and the program must be approved by each state.
For anyone interested in “pay-as-you-go” programs, speak with your local auto insurance agent, and let them compare your existing policy with the options the new program offers. There’s a good possibility that you – and your wallet – will be glad you did.
New Auto Safety Systems
Most of the vehicle safety systems are only in newer vehicles. If you are considering a new car, or late model used car, make sure you ask about safety features. Some of these are simple improvements to older technology, but seem like they come out of the pages of a science fiction movie!
These features can help you avoid accidents. That means that you, and your passengers, will be safer. It also means you can help protect your new car investment. In addition, if you are less likely to have an accident, other drivers will be safer too.
Insurance companies love these safety features because they help lower risks. So you may get an additional benefit in the form of auto insurance discounts.
Your investment in new car safety features can pay off for years down the road!
Rear View Cameras – I have had 2 accidents because larger SUV type vehicles backed into me! Both times, the drivers said they never sar my car. They were probably looking in the rear view mirror, but were blind to my vehicle because it was lower to the ground. If they could not see my car, imagine how they would do if a bike or small child was behind them!
Cameras are mounted on the rear of a vehicle. The driver can see an attached monitor to make sure the way behind them is clear. These would allow them to avoid backing into, or running over, something behind them that was below the level of the rear of their car.
In my opinion, this is a valuable safety feature for anybody with a vehicle that has a large blind spot in the rear.
Radar Sensors – These high tech sensors can monitor a variety of other objects to help drivers avoid accidents.
Some can monitor other traffic, judge distance and speed, and alert drivers, or even stop the car, when another object is too close. You may not be aware you are about to have an accident, but your car will know!
Others can tell if a driver is about to move out of the traffic lane without first using a turn signal. This would encourage a driver to signal, and also help a driver know when they are about to swerve out of their lane. This could be very helpful for drivers on a rough or dark road.
Vehicle Stability Control – These systems actually work with the car’s brake system to help drivers avoid swerves when hitting a slick patch of road. Sometimes, just after it starts to rain, roads can become slippery. Other times, patches of ice may not be that visible. These systems can detect the conditions when a car starts to swerve out of control, and they work with the brake system to bring the vehicle back into control.
Why Consider Auto Safety?
In my opinion, these new car safety features provide a win-win situation for everybody. You can keep yourself, and your passengers, safer. You also help protect your vehicle investment. You even protect other people. Of course, car insurance companies like these new systems because they lower risk. You may also benefit from lower insurance rates.
Volkswagen Polo – A Class Hatchback
Volkswagen Polo is an amalgamation of class, safety and high performance and therefore has now become a market leader in passenger car in the country. Designed using advance technology to give a comfortable and safe ride, Polo has become a favorite in the market for many customers and is proving to be a true value for money. Polo has what it takes to deliver not only performance but also stylish interior and exterior design to make your journey truly a memorable one.
Polo Engine
You can choose from three engine possibilities that include 1.2 with 1198 cc petrol or diesel engine along with power of 75 BHP, or 1.6 with 1598 cc petrol engine with full power of 105 BHP. Whether you choose the petrol engine or diesel engine the car will deliver high packed performance with both sophistication as well as style not only on road but also off road.
Polo Design and Comfort
Stunning rear and front lights, flawless side body cut and elegant style is what makes up the exterior of the new Volkswagen Polo along with spectacular design specifications from headlights to rear bumper. The exterior will surely keep you mesmerized and will grab the attention of any pass buyer at a blink of an eye.
Eye catching interior with a lot of space inside the car will make you fall in love with the travelling experience with friends or family altogether. Apart from the amount of luggage the car can carry, the leather seats along with steering wheel are comfortable as well as stylish which makes the driving experience worth a while.
Polo Safety
The car is a complete package in terms of not only design but function as well as performance. The safety features such as dual air bags, central locking system, aerated front disk brakes and fog lamps play a significant role in proving a safe journey. Furthermore the antilock braking system, power steering and Apollo tiers provide enhanced safety features along with comfortable and smooth driving experience for you and your family.
Polo Variants, Price and Colors
Volkswagen Polo comes in seven variants including Volkswagen Polo Trend line 1.2L petrol or diesel, Volkswagen Polo Comfort line 1.2L petrol or diesel, and Volkswagen Polo Highline 1.2L petrol with the prices stretching between Rs. 0.4 million to Rs. 0.7 million. Popular colors for Comfort Line and High line includes silver, deep black, glacier blue and pepper grey, whereas the Trend Line comes in shades of flash red and candy white.