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Friday, July 18, 2008

The Last Word on ‘Gas Saving Tips’ Articles

It seems that almost every other day someone else comes out with a “Top Ten Ways to Save on Gas” article, or 37 ways to get better gas mileage. We were guilty of the same thing a few posts ago, but upon further reflection, the whole “gas savings tips” thing can be reduced to a few essentials - unless of course you’re a hypermiler. (A relatively new term, used to describe someone who uses multiple fuel economy maximizing techniques, to significantly outperform standard United States Environmental Protection Agency (EPA) estimated fuel consumption estimates for their vehicle.)

The truth is that most of us simply don’t have the time or the inclination to follow all of those tips, and assuming that your vehicle is in good repair and well maintained, you really only need to concentrate on three things to get the most significant chunk of the fuel savings that are possible.  In fact, if you’re a “typical” driver, it would not be unusual to see an increase in your mileage of 30% or more, simply by faithfully following the advice below.

1) Aggressive driving is absolutely the best thing for wasting gas. (and absolutely the worst thing for your car insurance rates)

If you have a habit of stepping on the gas aggressively every time you get going, and waiting until the last minute to step on the brake, it’s costing you plenty more than it has to at the pump. No question about it, the single most significant factor in saving gas is how you drive.

Instead of jamming the gas pedal to the floor mat, and reaching or exceeding the posted speed limit as fast as possible, aim for a smooth and gradual acceleration. Same thing with stopping. When you see a red light up ahead, it may be possible to take your foot off the gas and coast until you need to apply the brake. This approach is way better than keeping your foot on the gas pedal until the last moment and then jamming on the brake at the last second. Always think ahead when you’re behind the wheel, and try to make your driving as smooth as possible - both starting and stopping.

Driving can even be a bit more fun when you make a game out of working with momentum and gravity. For instance, as you approach an incline, you could try to build up a bit of speed so that the need for stepping on the gas is reduced as you go up the hill (which uses a lot more gas), and conversely, let gravity help you when going downhill (you may not need to step on the gas at all).

2) Turn off the cars motor if you’re not going anywhere.

This applies as much to warming up your car in cold climates as it does when idling and waiting for something or other while in your car.

Your car needs no more than 30 - 45 seconds of idling time in cold weather, to reach a reasonable operating temperature. Why not simply dress a bit warmer and let your car warm up as you drive if you live in a cold climate.

In addition, if it’s obvious that you’re likely to be stopped while in your car for more than a minute, it probably makes sense to turn off the engine until you can get going again. It definitely makes sense in terms of saving your gassoline.

3) Drive way slower overall (at or slightly below the speed limit)

It’s well known fact that driving slower under normal conditions uses much less fuel (significantly less actually). You actually accomplish several things when driving slower, like: avoiding speeding tickets and potential accidents, increased safety margins, and of course - it’s simply one of the best ways to really save on gas (and on car insurance).

Save yourself the irritation of having someone behind you getting aggravated because you’re doing the speed limit and they want to be racing ahead. Just make a habit of driving in the slow lane. The paltry time savings of going fast, just don’t begin to equal the long term benefits of driving at the posted speed limit.

So, that’s our last word on ‘Gas saving Tips’ Articles. If you follow the advice outlined above, you’ll be saving most of what is possible, and not wasting your time with trivial stuff that simply doesn’t add up to that much in terms of real gas savings.  Furthermore, you’ll also be doing the right things to help keep your auto insurance rates nice and low.

Posted by admin on 07/18 at 06:21 PM
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Friday, July 04, 2008

Obesity Matters When it Comes to Health Insurance Premiums

The health care costs associated with treating conditions related to obesity tend to be high and costs seem to continue to rise every year.

To compensate for the risk of insuring those who will likely one day need medical attention over and above the norm, health insurance companies usually attach much higher premiums to policies where obesity is a factor. The higher cost often makes the policy un-affordable to many who need it the most. 

Health insurers typically view those who are grossly overweight as a higher risk because the statistical likelihood of them developing serious health problems while insured are much higher than non overweight policyholders.

So, if you tend to overeat, and you’re struggling with your weight, your health insurance costs are yet another reason to find the motivation and the discipline to consistently eat better quality foods, exercise more and try to get this aspect of your life under control.

But, even if you are severely overweight, there is something you can do to increase your chances of finding lower cost health insurance coverage. Click on: Obesity and Health Insurance to read more. 

Posted by admin on 07/04 at 05:27 PM
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