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Bearish...or Bullish, What's Your Style?
If you are interested in stock investing and the stock market, you may have plenty of questions. Even if you have already started investing, you may still have many questions about the details of the stock market and your options. Even the stock...
Blogging for Business
Not long ago a blog was simply an online diary. Initially, people decided that blogging was describing, in excruciating detail, how their day went, what they had for dinner last night, and why they spent the whole weekend doing laundry. Since...
Influencing Skills - How To Influence People
There is no right way, nor is there only one way to influence others. Everything, but everything, is a factor when influencing people. And we are, all of us, influenced by people, places, events and situations at all times. Sometimes we are...
The “6-D” Information System
You know you need to learn this method: • If you use your email and voice mailboxes to store things you need to do but don’t have time to address right now • If your brain swims with all kinds of ideas and things you need to do • If...
What do Employees Wish for Most (And How To Get It)
What do many employees wish for at work? A bonus or raise. At least that's so according to results from a recent survey developed by OfficeTeam, a global staffing service that specializes in placing administrative professionals. The ...
 
New Concepts In Car Insurance - Pay As You Drive

You can pay as you talk with a cell phone plan, so why not pay as you drive auto insurance? It sounds like a good idea; but would pay as you drive auto insurance work for you?

The idea behind pay as you drive auto insurance is simple. Basically its this- if you do not drive very much, you will not pay high insurance premiums. Advocates for this type of insurance policy think that there are many merits to this type of program. Less air pollution, lower gas consumption, and lower costs to the consumer among them.

What if you car pool to work, or take public transit? You are not using your car very much so why are you paying high premiums. With a pay as you drive auto insurance premiums you would be able to quite literally pay as you go. Another situation where this plan would be of benefit is that of many retirees who have winter homes in temperate climates, the 'snowbirds' living in Florida or Arizona six months of the year and six months in New York or Toronto for example.

Essentially the insurance companies would set an average driving amount for each car type. It could then be broken down into a cents per mile basis. If you wanted to us the pay as you drive auto insurance system you could purchase a set number of miles and you would be covered for insurance during this period.

Pay as you drive auto insurance is an excellent idea for those individuals who do not use their car very much or


try to find cost saving methods or environment saving alternatives. Currently this type of program is not yet available, but there are supporters in many states who are hoping to change that soon.

Groups including Environmental Defense, the Conservation Law Foundation and even the U.S. Environmental Protection Agency are working to organize a national cooperative that would work with insurance companies to offer deep discounts for low-mileage drivers; halfway a step toward PAYD (Pay As You Drive) insurance.

General Motors and On-Star Offers PAYD Rates. In mid-2004 General Motors Acceptance Corporation (GMAC) Insurance began offering mileage-based discounts to OnStar subscribers located in some states. The OnStar system reports a vehicle's odometer readings at the beginning and end of the policy term to verify mileage. Motorist who drive less than specified annual mileage can receive insurance premium discounts of up to 40%.

PAYD programs are also currently available in Israel, South Africa and Holland. PAYD is gaining momentum, and will be coming to your area soon.


About the Author: D. Demetre is a contributing author at http://www.Online-Car-Insurance.us

Source: www.isnare.com

 

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