Most people are aware of the impact that driving has on the environment. Reducing the time you spend in your car helps to lower your carbon footprint and protects the environment from carbon emissions; it also saves money on expensive fuel prices. What you might not know is that driving less also saves money on your car insurance premiums.
Because insurance companies determine rates based on how likely a driver is to be involved in an accident, drivers who spend a lot of time on the road pay more for auto insurance. The more you drive, the more likely you are to be involved in an accident. Insurance companies base their rates on 10,000 miles driven each year; if you drive substantially less than that, you can receive a noticeable discount.
Here are a few ways to reduce the time you spend driving:
1. Adjust your work schedule
Some jobs aren’t flexible, but many companies are offering more flexibility. If you work fewer shifts during the week, you can dramatically reduce your commute. See if your employer has an option to work four 10-hour days rather than the usual five-day work week. You may also be able to take advantage of telecommuting options in order to cut down your gas consumption even more.
2. Commit to walking or biking
You can start by finding places near your home that you visit frequently. If you’d like, you can use a map program to determine where frequent destinations lie in relation to your home; if they’re within a mile or two of your house, walk or bike to them instead of driving. You can also start taking public transit. Most accidents occur within a few miles of your house, so walking can really improve your insurance premiums. It also helps keep you in shape.
3. Pick the best route
Shorter distances aren’t always the most fuel-efficient choices. If you have to stop frequently or spend a lot of time idling in traffic, you will consume much more gas than if you drove a little bit further on an open road. Congested traffic is also a major contributor to auto accidents, so avoiding busy streets can help your chance of avoiding accidents.
4. Combine trips
Instead of leaving the house every time you have an errand to run, maximize your efficiency by doing multiple errands on a single journey. Any time you need to do several things on the same side of town, try to complete all tasks in one trip.
In addition to carpooling to work, you can save money on your errands by teaming up with a friend or neighbor. You can both go to the grocery store together and trade off between who drives each time. This saves you money and gives you a shopping buddy.
Saving money on gas and car insurance while saving the environment is a wise choice; it’s really a win-win situation. To take advantage of the lower insurance premiums, be sure to contact your insurance company to discuss your driving habits.
About the Author
Lisa Tulley is a stay at home blogger and writes for www.Kanetix.ca, a site where you can compare car insurance rates. She knows you can get a better rate by getting quotes on car insurance at Kanetix!