(4) Car Insurance, Gas Prices and the Economy

I don't know about you, but whenever I've paid another bill and the financial going seems to smooth out a bit, there's always some other economic hurdle to climb again. Take the recent rise in gas prices. Although some claim it to be insignificant, this is definitely not the case. Aside from the usual stuff of homeowners and commercial maintenance and insurance costs as well as the never-yielding auto upkeep and coverage premiums to contend with, the price jump hits us all hard. While diesel truck-drivers can rightfully complain about the consistent upsurge in costs, the average car, van, motorcycle, ATV, RV or ATV now is stung with the painful slap in the wallet. Economists, as well as the leading insurance companies will tell you to fight back.

Fight back? How do you go to war with the gas pumps? This is how: 1. When shopping for a new car, select one that has an excellent mileage record. 2. Research gas prices and patronize pumps that offer the best rate per gallon. 3. Be consistent with car maintenance practices: have the oil and filter changed as recommended and switch the air filter as per car manufacturer's instructions. 4. Check you automobile's fan belt. If it is installed too tightly, make sure it is sufficiently loosened so your engine does not work overtime and your gasoline level does not either. 5. Keep tabs on all four tires and tire pressure. If you are low on air, your gas will unfortunately also go the extra mile in exertion. 6. When the summer's heat is too much to bear, by all means, use your vehicle's air conditioning. If, however, you are fine with the windows rolled down, turn off the A/C. Note: this only proves fiscally advantageous on city roads; open window driving on the highway only increases general vehicle resistance liability and motor effort, necessitating an overdose of gasoline usage. 7. Avoid unnecessary loads in your car, as the extra weight keeps your car running hard along with the need to use more fuel. 8. If you can circumvent the busiest motorist time on the road, by all means, do so. Rush hour driving, with all the stopping and going, takes a toll on your gasoline levels. 9. Carpooling is the sensible thing to do - especially when there's a group that is going to the same business or school location day in and day out. Not only will you save on gas, but also on the wear and tear of everyday automobile usage and accident or collision risk. 10. Instead of driving everywhere, try incorporating healthful walking and biking. You'll be doing your physical well-being a tremendous favor, as well as your gas tank.

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