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5 Things to Know Before Going Wireless With VOIP
Before you decide to go wireless or not, there are many points to consider. You may be asking yourself if wireless is for you. Well, today, many people are asking themselves the same question. If you watch the headline news, you are bound to...
Business Plans Revealed - How to Write Your Plan and Why
A business plan is your vision of where you want your business to go and how you’re going to get there. It’s a road map and, like a map, it helps to document the route on paper, rather than simply commit it to memory. A coherent, written plan is as...
How To Find Your Perfect Online Business
Allow me begin by being brutally honest. After all, you want nothing less, right? Here we go... I do NOT know what business is perfect for you! But I DO know how to empower YOU to find your perfect business, and I'm going to do that in this very...
Only Good Guys Look For Jobs?
- Résumé Lies and Half Truths - According to the résumés that are distributed to large corporations and small businesses, only good guys look for jobs. This seems to be especially true in the Information Technology field. You will never see a...
Reverse Mortgages – A Tax Free Income For Senior Citizens
I fully realize if it sounds too good to be true, it probably is and There Ain’t No Such Thing As A Free Lunch (TANSTAAFL) immediately jumped into your head when you read the title of this article. However, if you are 62 or over, you may have just...
 
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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