Tips to Lower your Auto Insurance Premium

Auto insurance is definitely a necessary expense for most of us. Though premiums continue to increase year-after-year, very few of us stop and see if there are some ways to lower our auto insurance premium. We are listing few tips that can definitely help you save more on your auto insurance.

Avoid Expensive Sports cars

All those who have plans to buy a new car should keep in mind that type of car you have can have a big impact on the amount you will pay as premium for your auto insurance. While owning a sports car is a fun, it also means higher premiums. Even those who have stellar driving experience should avoid such cars and instead opt for safer, small cars, or vans as they have lower premium.

Avoid Tickets

Aside from accidents, speeding tickets can also increase your auto insurance premiums. By obeying traffic laws and slowing down while driving, you can become eligible for reduced rates. If you’ve been violation free for free years, get in touch with your insurance company to discuss the price reductions you may qualify for.

Compare Insurance When Purchasing A New Car

Before purchasing a new car, compare insurance costs. Insurance premiums are based on car’s sticker price, likelihood of theft, cost of its repairs and it’s overall safety record. Some companies offer discounts if you install gadgets that reduce risk of theft or injuries. Opt for cars with safety features such as anti-theft devices and daytime running lights.

Shop Around

Don’t pay the price that your insurance carrier wants to charge you. These prices vary from company to company, so it’s best to shop around. Try to get at lest 3-4 quotes. You can either do that online or by individually calling few companies.

Get A Higher Deductible

The deductible is the amount you pay from your own pocket before your auto insurance policy kicks in. For example, if your deductible is $100, then you must pay this amount first before the insurance company makes a disbursement. With this in mind a savvy buyer can find affordable auto insurance that really fits within their budget. This is because, with a higher deductible, you can easily lower your auto insurance premiums substantially. For instance, by increasing your deductible from $300 to $450 you could easily reduce your coverage cost by 12-25 percent. With a $1000 deductible, you could save up to 45 percent or more.

Buy Your Homeowners And Auto Insurance From The Same Company

Some companies can give you a break if you purchase two or more insurance policies from then or ensure more than one vehicle with them. Ask the company representative on what multi-vehicle or multi-policy discounts they offer.

Reduce Coverage On Older Cars

Most car owners overlook this tactic to lower auto insurance premium. As your vehicle ages, it becomes less costly to replace, so why pay more premium for a lower replacement value of your old car? As a general rule, your car should be worth more than 12 times the yearly premium you’re paying.

Maintain A Stellar Credit Record

More and more insurance carriers now use credit information to price their policies. So by paying your installments and bills on time, you can raise your credit score and lower your auto insurance premiums.

Drive Less

Many companies price policies depending on how far your drive for work, and how far you drive each year. By walking to your work or by car-poling with co-workers, you can easily know off some amount from your premium.

Eliminate The Coverage You Don’t Need

Many auto insurance companies include certain coverages in their policies that you might not actually need. So eliminating comprehensive and collision coverage is a good option if you’re driving a older car. If you own more than one car, you can consider removing coverage for rental cars.

Pay Your Insurance In Full.

Most insurance providers charge between 2%-6% in service fees to allow you to pay for your auto insurance premium in monthly installments. If you pay your premium in full once a year, you can save few hundred dollars and ensure peace of mind that you’ve paid your premium in full.


Tips to Maintain a Forklift


Forklifts are mostly used in industrial setting to move heavy loads. As with any other machine, a forklift has many mechanical parts that tend to wear out with continuous use. This wearing process is especially critical for its moving parts thus necessitating a need to comprehensive forklift maintenance program.

Below we list some tips that will help you create your customized forklift maintenance program:

Listen to your forklift!

Start your forklift and run it briefly while you listen to its engine. Observe any knocks and misses. Also listen to squealing sounds of its belts. Then also listen to its exhaust leaks. Now drive the forklift backwards and forwards to check for any slips and wheel issues. Now shut its engine off.

During preventive maintenance on forklift, start by checking its gauges, horn, cab lights, safety warning devices, back-up lights, outside lights and overhead guard for proper protection. Also check of any device that does not work or any burnt out bulbs. Double check wiring and make repairs.

Keep All Forklift Moving Parts Well Lubricated

Forklift works efficiently due to its moving parts. So check each one of them and ensure they’re well greased. This will reduce harmful effects of friction. It’s also important to remove all worn out bearings.

Check Fluid Levels On A Regular Basis

There are many fluids that help forklift engines and other parts work efficiently. Many large forklift repairs are a direct result of poor fluid levels. These include hydraulic and transmission fluids, motor oil, and coolants. You should check each one of these regularly. Even if you are utilizing a forklift equipment rental in your operation, proper care can keep you up and running. Daily checks are also important if the forklift is used regularly.

Manage Forklift Oils

Drain oil from your forklift. It’s also important to check hydraulic filter, oil filter, fuel filters, transmission filter and the air filter. Before installing new filters, use a marker to write installation date on new filters. Also check fluid levels and check anti-freeze in the cooling system. Fill as necessary.

Check Belts

Check the belts on your forklift engine. Check for frays and cracks on the belts. Visually inspect the drive axle when you’re underneath the forklift. If there’s a grease fitting, make sure to grease the drive axle. Perform a visual check of the exhaust system of the machine. Look for any holes or cracks in the exhaust system.

Keep Your Forklift Battery Charged OR Fueled

Some forklifts are powered by batteries, others by diesel, liquid propane or gasoline. If your forklift uses a battery, you must ensure it’s fully charged always. Also clean the battery connectors and cables. Open each cell cap and check water level. Add more water as needed. Also apply protectant on its connectors to prevent any corrosion. Also, make sure the fuel tank is always full, if your forklift uses fuel or gas.

Inspect Hoist And Forks

While inspecting the hoist, check the mast and forks to see if there are any visible chips and cracks. Look for any bends or bowing in the forks. Note all these on your checklist and these should be flagged to the operator and owner as they’re potentially dangerous issues that need to be further addressed.

Check Hydraulic Lines

Look at your forklift’s hydraulic lines for any leaks. If you observe any leak, tighten the lines. If this is not sufficient, you may have to change o-ring or fittings.

Keep Forklift Gauges Functioning Properly

Lights an gauges on the forklift’s instrument panel gives indication which of its parts are not functioning properly. Therefore, pay attention to these instruments and remove all faults. This will help prevent expensive replacements or repairs.

Keep Your Forklift Tires in Good Shape

Check forklift tires for signs of excessive wear or cracks. Check tread on air filled tires. If tires use air, the correct air pressure should be maintained in each one of them. If forklift has solid rubber tires, then make sure there are no gashes present. Tire failure can lead to unbalanced ride leading to damaged goods.

Lastly, a good preventative maintenance on your forklift will also include some cleaning. Wipe down your forklift and use a high quality spray cleaner for cleaning your forklift.