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Posts Tagged ‘fuel’

One of the biggest benefits of car insurance is to have peace of mind. You know that should your car be stolen or should you be involved in an accident, your car is covered for the cost of the repair or the replacement value of the car.

Even if you have paid cash for your car, it needs to be insured as the cost of repairs or replacement of the car is astronomical and can more often than not, not be afforded. If the accident was your fault, it’s even worse to not have car insurance because you will be held liable for the repair or replacement cost of the other car involved. What do you do if the other car is a very expensive car and minor repairs cost as much as your entire car and you don’t have car insurance? It could ruin you financially and it is therefore simply too risky to not have car insurance.cheap-car-insurance

How do you know which car insurance package is best for your needs? The secret is to shop around and compare benefits and price of the premiums. Insurers know which types of cars are more prone to having problems or which types of cars are more prone to getting stolen. The premiums for these vehicles are higher than other cars that are not prone to getting stolen. It is therefore a good idea to find out which types are on the list of most popular cars to be stolen and avoid buying that brand to ensure cheap insurance premiums.

Cheaper insurance premiums are usually given when you insure more than one car, but if you only have one to insure discuss possible discounts for an accident free record, and/or extra security like alarms, immobilizers and tracking services. Most car insurance companies gladly give discounts for these extras and it is well worth installing them.

The distance you travel per month could also be used to negotiate a cheaper insurance premiums. Many car insurance companies will give you a discounted rate if you live close to the office or if you are part of a car pooling club. It is an option that is well worth investigating as it will not only save you on fuel and services, but also on car insurance costs.

To negotiate the best possible price for car insurance on a used car, there are a few very important points to take care of. You will be required to take the car to an approved inspection centre before the inception of the car insurance policy. This is for the car insurance company to establish the exact condition of the car before they commit to insuring it. If there is minor damage or the tyres are not in a good condition, it will be a good idea to have it repaired and/or replaced before the inspection as this could impact the price of the premium you pay for car insurance greatly.

Another important point to consider before obtaining car insurance, is the value of the car. Here three values have to be considered. The Auto Dealers Guide is a guide listing values for cars of a specific make and model. Mileage and condition are also considered to determine the Retail value of the car. This is the value that the dealer will be most likely to sell this vehicle at. Trade value is what the dealer will be willing to pay you to buy your car and he uses the Auto Dealers Guide as a guide to determine this amount.

Market value is an average between the Retail and Trade values. If you decide on car insurance at Retail value, you will receive a settlement that will be based on the value at which that specific car is currently sold, less the relevant excess. This will most likely enable you to replace your vehicle with a similar one. If you, however, decide on car insurance at Market value, you might not be able to replace your car with the exact same one.

By keeping just a few important points in mind, you could negotiate a cheaper car insurance rate and make your insurance work for you.

The age-old argument over whether women or men are better drivers has reached a stalemate: just as many studies proving that the former is better behind the wheel prove the same about the latter. Surprisingly, a new standard by which good drivers can be judged has emerged: the overall state of your health.

The research was conducted by Discovery Insure, the short-term insurance division of the Discovery Group. The data came from their Vitalitydrive program, which offered members cash back on their fuel and enabled them to save on their car insurance as an incentive to drive better.discovery vitality

The research pointed toward the fact that members who visited gyms more often, ate better and utilised the travel and lifestyle rewards that their Vitality membership offers them are often the most careful drivers, and also tend to submit less hail damage claims after a storm.

This, Adrian Gore, the Group Chief Executive of Discovery Group, was probably due to people fitting this profile being more cautious as a general rule. As a result, they were a much lower risk for the insurer.

If you are a Discovery Vitality member, you might be able to save on your car insurance premiums as well through signing up for Vitalitydrive. You could even earn up to 50% back on your fuel expensive as a reward for driving carefully.

But how does Discovery Insure keep track of your driving habits? The age of technology enables us to do amazing things, and Discovery exploits this fact to its fullest by installing a tracking module called DQ-Track in your vehicle.

“Your DQ-Track will measure your braking, acceleration, cornering, speeding, distance and late night driving,” according to the Vitalitydrive website. What’s more, Discovery Insure does not charge you anything extra to install the DQ-Track module. It is all included in your Vitality membership fee.

The DQ-Track (DQ stands for Driver Quotient) enables you to earn points every time you drive safely. But in addition to that, Discovery offers DQ points if you correctly complete driving safety questionnaires, take driving courses, keep your vehicle’s service history up to date and pass Tiger Wheel and Tyre’s annual Multipoint Check. The more points you have, the greater the rewards (ie. the cheaper your car insurance).

DQ-Track also allows your vehicle to be tracked anywhere in South Africa should it be stolen, as well as a whole range of other safety features. Discovery Insure is hasty to offer assurances that no DQ-Track data will have any bearing on a claim you file, though. The only details verified through DQ-Track is the time and the place of the incident.

Fuel rewards on the program relate specifically to BP fuel and you can start claiming rewards almost immediately after joining the Vitalitydrive program. If you take into account how much fuel costs these days, indirectly saving on your car insurance through this mechanism is an invaluable way to get your premium down.

Save on your car insurance premium, your fuel costs, become a better driver and live a healthier lifestyle. It seems like a win-win situation, no matter which way you look at it, especially seeing that you can join the Vitalitydrive program for as little is R40 per month.

 

It is one of the most discussed topics amongst South Africans. The state of the fuel price and fuel-saving practices have long been able to spark an entire conversation.

Tips on lowering your vehicle’s fuel consumption are numerous and every relative, friend or general acquaintance seems to have a couple of them stowed away, ready to deliver at their earliest convenience.

But have we ever taken the time to consider whether these fuel saving tips are actually true? This article serves to prove that many, if not most of them, are no more than fairy-tales.

A Dirty Air Filter Leads to Increased Fuel Consumptionfuel-consumption

This belief is true for some cars and totally false for most. The vast majority of vehicles on the road today have fuel-injected rather than carburetted engines. Carburetted engines draw air directly through the air filter, and a clogged filter could affect the performance and fuel consumption of the vehicle. Fuel-injected engines, however, have complicated air-intake systems that are not affected in the slightest by a dirty air filter.

You Get More Fuel If You Fill Up When It Is Cooler

This is a very well-known myth that periodically does the rounds in the form of a chain email. The story goes that one should fill up your tank at the coolest part of the day, namely the very early morning hours, as the heat absorbed by the petrol tanks at filling stations during the day cause the fuel’s density to drop, thus you get less when filling up during daylight hours. The reality of the matter is that the large underground holding tanks at fuel stations are very thoroughly insulated to prevent this scenario from occurring. Any fluctuations in the fuel temperatures are so miniscule that you will not be able to notice any appreciable differences in fuel savings.

Vehicles With Manual Transmissions Get Better Mileage

Decades ago, cars typically came with two options pertaining to the transmission: a 5-speed manual gearbox or a 3-speed automatic one. As a semi-skilled driver could control the engine’s revolutions per minute with a 5-speed manual transmission, one tended to save a lot of fuel by staying away from automatic vehicles. These days, however, automatic transmissions are control by sophisticated computers and are a lot more efficient than any manual human operator could ever be.

Lowering a Bakkie’s Tailgate Increases Fuel Economy

People have often assumed that a bakkie with its tailgate lowered is more aerodynamic, and thus less taxing on its fuel supply. The reverse is actually true: your bakkie is less fuel efficient with the tailgate down. Another common assumption is that replacing the tailgate with an aftermarket net makes the vehicle more efficient. This is the worst thing you can do, as it is tantamount to a boat pulling a fishing net behind it.

Other Untrue Fuel Consumption Myths

  • Overfilling your fuel tanks helps mileage;
  • Fuel additives increase mileage;
  • Cruise control saves fuel;
  • A tank that is nearly full prevents evaporation of fuel;
  • Shifting into neutral at stops saves fuel.

 

Fuel Economy Musts

The following tips actually do work, and should be implemented by every driver that wishes to save fuel:

  • Slow down – you can use up to 25% more fuel if you drive at 120km/h as opposed to 100km/h;
  • Avoid breakneck acceleration;
  • Keep your momentum and try to anticipate the traffic;
  • Maintain and regularly service your vehicle;
  • Try to not use the air conditioner;
  • Use your handbrake on inclines – clutch control gobbles up fuel;
  • Do not warm your engine up before driving – this is usually only necessary in older vehicles and is wholly unnecessary in newer vehicles;
  • All electronic components put a strain on the alternator, causing the engine to work harder, so switch of the unnecessary ones;
  • Plan to combine many short trips into one;
  • Consider replacing your tyres with the radial-ply kind as they decrease resistance, but beware to not mix the normal cross-ply with radial-ply tyres on the same axle.

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