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Tips to Save on Car Insurance

NEWS RELEASE
Contact: Jordan Walt, (503) 653-8287
A.I.C. Insurance Agency Offers Tips to Help You Save on Auto Insurance
Milwaukie, OR 2/18/2005 Purchasing the auto insurance that is right for you can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your auto insurance and feel confident you have adequate coverage. A.I.C. Insurance Agency and Travelers, a leading provider of auto and homeowners insurance, offer these tips to lead you in the right direction when you purchase your car insurance.
Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.
Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course, could qualify for savings.
Buy a car that includes safety features such as anti-lock brakes, alarms or other security features, airbags, and automatic seat belts.
Choose a higher deductible (what you pay before your insurance policy kicks in), which can mean paying less for your policy.
Eliminate unnecessary coverages. If you drive an older car with little cash value, consider eliminating collision or comprehensive coverage, which pays for damage to or theft of your car.
Insure more than one car with the same company, and you may be eligible for savings. The same is true if you have more than one type of policy with the same insurance company.
Look for low-mileage discounts if you car-pool or do not put a lot of miles on your car annually.
Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much.
Buy a safer car that will cost less to repair and less to insure. Check crash-test reports, repair records and manufacturer recalls of any car you are considering. A consumer protection magazine can be very useful or check car sites on the Internet.

Established in 1995, AIC Insurance Agency is an independent insurance agency offering a full range of insurance products including auto, home, life, commercial, and more.
For information and quotes on insurance coverage, please visit AIC Insurance Agency at 14000 SE Johnson Rd. Ste.210 in Milwaukie, OR, or call 503-653-8287.
Travelers, the second largest writer of auto and homeowners insurance through independent agents, is a member of St. Paul Travelers, a leading provider of property casualty insurance and asset management services. For more information, visit www.travelers.com.

More Useful Resource and Updates on ohio savings and loan

HELP RETIRE THE MORTGAGE DEBT (New York Post)
Dear John: Why promote early 401(k) withdrawals exclusively for home purchases when you can already take a loan out against your 401(k) for that reason? I closed on my first home in July and borrowed against my 401(k) for my down payment. I think...

On the Brink of Losing the House -- and the Down Payment (Washington Post)
Rosa Chavez and her husband scrounged together $164,000 for a down payment of more than 20 percent on their four-bedroom Colonial in Fort Washington.

US first-home buyers increase (The New Zealand Herald)
ORLANDO - Low house prices and excess supply helped to drive a rise in first-time US home buyers and reduce excess inventory, according to a study by the National Association of Realtors.

Strategy to protect home equity credit lines (San Francisco Chronicle)
Many homeowners who have taken out home equity lines of credit have learned in recent months that these loans are not as useful as they initially seemed. Lenders are struggling to minimize risk, and because they are especially at risk to lose money on...

Federal Home Loan Bank of San Francisco Reports Third Quarter Operating Results (wallstreet:online AG)
The Federal Home Loan Bank of San Francisco today announced that its third quarter 2008 net income

Low home prices, excess in supply lead to many first-time home buyers, survey says (Belleville News-Democrat)
Low home prices and excess supply helped drive a rise in first-time home buyers and reduce excess inventory, according to a study released Saturday by The National Association of Realtors.

Home truths (The Telegraph)
In November 2005, Mrinalinidevi, a resident of south Calcutta, took a Rs 7-lakh house loan from a private sector bank. At an interest rate of 7.5 per cent, her monthly outgo on the loan, to be repaid in 10 years, worked out to Rs 8,310 .

Federal Home Loan Bank of San Francisco Reports Third Quarter Operating Results (Business Wire via Yahoo! Finance)
SAN FRANCISCO----The Federal Home Loan Bank of San Francisco today announced that its third quarter 2008 net income fell $34 million, or 25%, to $101 million from $135 million in the third quarter of 2007.

Credit crunch persists (The Star)
Interest rates have declined in the US but banks are not lending much as they are unable to securitise and sell off their loans. Banks there need to continually raise funds by selling off loans due to insufficient deposits and a low national savings rate.

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