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The premiums you pay on your auto insurance are usually based on your age, gender, and where you live. Pay As You Drive insurance however is different. It’s based on the number of miles you drive. Drive fewer miles, pay lower premiums.

One advantage of Pay As You Drive insurance is the cost. Since the premiums are linked to how much the driver uses their vehicle, it is easy to reduce costs. Simply reduce the amount of driving you do. Not only will you save money on your insurance costs, you will also save on gas and auto maintenance and repair. Less driving also means less wear and tear on your vehicle, which means you will be able to keep your vehicle long after you make that last car payment. With the cost of new and used vehicles soaring, this is a particularly attractive incentive.

The less obvious advantage of Pay As You Drive coverage is that you can tailor your program to your specific driving needs. Premiums under these plans are either computed on the basis of miles driven, or on the basis of hours driven. You can choose a Pay As You Drive policy that focuses on total miles, or total hours in a specific time period, such as six months. Pay As You Drive coverage offers you the flexibility and freedom you need to choose exactly the coverage you need, and to get it at a lower cost as you economize.

Another factor in the low cost of Pay As You Drive is the fewer miles driven, the lower the risk of a crash. Low-mileage drivers are typically more focused and careful behind the wheel, and the lower premiums for Pay As You Drive incentive this quality.

Mileage monitoring is required with Pay As You Drive insurance, but there are plenty of options for drivers. You can have certified odometer readings, much like you do when you have your vehicle’s safety inspection. Or you can have a GPS based monitor installed in your vehicle, or you can simply have the computer data uploaded from your vehicle. Since only periodic mileage readings are needed to track the mileage for Pay As You Drive insurance, the cost associated with mileage monitoring will most likely be offset by the money you save in insurance premiums.

The Brookings Institute found that two-thirds of American households would save an average of $270 per year with Pay As You Drive. In the current economic situation, that is welcome news.

Not only does Pay As You Drive insurance save you money, it also helps protect the environment. Fewer vehicles on the roads mean a reduction in auto emissions. Reduced traffic also means less congestion and traffic jams, which means less time wasted in the car.

There are plenty of advantages for Pay As You Drive insurance. Contact a qualified insurance provider for more detailed information on an insurance plan that best suits your driving needs.

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

There are lots of little things you can do to lower you car insurance payments. Of course, searching for the best company is a part of it, but there are always discounts that you can search for. Be sure to ask your insurance agent about all of these discounts before you set up an agreement.

You can easily lower your monthly insurance costs by keeping your deductible high. This is the sum of money that you need to pay when the accident is caused due to your fault. This sum has to be paid once in each accident you face. With a high rate of deductible you may have to shell out more cash at the accident time, but you can get your monthly bills lowered.

The next step to get more discounts is to use the insurance company to get coverage for your cars, home, health as well as life. This way you can get more discounts. The more insurance plans you buy from the same company, the more you can save on the monthly bills.

The drivers can save money on their monthly bills through several different ways. You can start doing this by keeping you car in a properly locked garage so that there is no theft. You can also check you car for safety by adding features to it like airbags, and the anti-lock brakes. Insurance companies offer special deductibles for such cars as they are less likely to be damaged in an accident.

You can also attend special courses like defensive-driving course, which is intended to train you for any such accident situations. The course makes you more alert so that you can quickly respond to your surroundings. Besides helping you in saving yours as well as other’s lives, it can also help lower your insurance costs by 10%. Young drivers can get benefited by this plan as they are more prone to getting involved in accidents.

Obviously, the fewer accidents you have on your driving record, the less your premiums will be. Be careful who you let drive your car so there are no accidents. Be sure to pay attention to the road yourself so you have less of a chance of getting into an accident.

Those who are above the age of 55 can get an AARP membership and avail discounts on insurance plans. If you pay your whole year’s bill in advance, then also you can get the discount, but you can do this only if you have enough money with you.

When accessing your premiums the insurance agent depends on factors like your car, you’re driving record, and your age. In some cases it is impossible to change these factors, but you might be able to if you are in the right position. Try getting a car that costs less to repair, and it will result in you paying lower premiums. You can also try getting car insurance put under your spouse’s name instead if they have a cleaner record. The key to getting low premiums is making you less of a liability to the insurance company so that they are more likely to make money.

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

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