Jump in the car, start your engine, and you’re off. But do you give any thought to what’s coming out of the tailpipe as you go about your drive? You should. Here’s what your beloved car is producing:

Carbon dioxide is the dominant greenhouse gas that causes global warming. The effects of global warming are uncertain, but they potentially include disruption of global weather patterns and ecosystems, flooding, severe storm, and droughts.

Sample comparison (based on 14k miles per year/EPA ratings):
2005 Toyota Camry 3.0L, 6 Automatic	2004 Toyota Prius 1.5L, 4 CVT

Carbon monoxide, when inhaled, combines with hemoglobin in our blood, impairing the flow of oxygen to our brain and other parts of the body. Carbon monoxide is colorless, odorless, and poisonous even to healthy people (at high levels in the air). It can seriously affect people with heart disease, and can affect the central nervous system. Motor vehicles remain the number one source of carbon monoxide pollution in many countries.

Sample comparison (based on 14k miles per year/EPA ratings):
2005 Cadillac SRX SUV 3.6L, 6 Automatic Bin 5	2005 Ford Escape Hybrid 2.3L, 4 CVT Bin 4

Sulphur oxides contribute to respiratory illness, particularly in children and the elderly, and aggravate existing heart and lung diseases. It contributes to the formation of acid rain, which damages trees, crops, and buildings; and makes soils, lakes, and streams acidic.

Nitrogen oxide is a noxious pollutant. It is a lung irritant and reacts with compounds in the air to cause acid rain and ozone (the main reason for smog). Nitrogen oxide is one of the main ingredients involved in the formation of ground-level ozone (which can trigger serious respiratory problems), and contributes to global warming.

Sample comparison (based on 14k miles per year/EPA ratings):
2004 Volkwagen Jetta 1.9L, 4 Automatic Bin 10	2004 Honda Civic Hybrid 1.3L, 4 CVT Bin 9

Particulate matter, consisting of tiny particles of smoke, soot and dust—primarily from engines, car parts, tires, and diesel exhaust—are an established cause of lung problems, from shortness of breath to worsening of respiratory and cardiovascular disease, damage to lung tissues, and cancer. The EPA estimates that particulate pollution kills more than 60,000 people per year. In addition, particulates are associated with increased hospital admissions and emergency room visits for people with heart and lung disease, as well as work and school absences. Particulates can travel deep into the lungs, or in smaller form, directly into the bloodstream.

Sample comparison (based on 14k miles per year/EPA ratings):
2005 Range Rover 4.4L, 8 Automatic Tier 1	2005 Honda Accord Hybrid 3.0L, 6 Automatic ULEV II

Hydrocarbons, in their many forms, are directly hazardous, contributing to what are collectively called “air toxics.” These compounds directly irritate the lung and other tissues, can cause cancer, contribute to birth defects, and cause other illnesses.

Sample comparison (based on 14k miles per year/EPA ratings):
2005 Hummer H2 6.0L, 8 Automatic HDT-Bin 11	2005 Honda Insight 1.0L, 3 Manual Bin 9

Lead damages organs, affects the brains, nerves, heart, and blood. Although overall blood lead levels have decreased since 1976, urban areas with high levels of traffic or industrial facilities that burn fuel may still have high lead levels in air. In 1999, ten areas of the country did not meet the national health-based air quality standards for lead.

Rolling Up Your Window Won’t Help

Exposure to some car pollutants may be much higher inside your car than outside. Commuters driving in rush hour get the highest exposure, often from pollutants emitted by vehicles ahead of them. You are basically driving in and through—and contributing to—a lethal cocktail of air pollution.

How much do you pay for Car Insurance every year?

Eight hundred dollars a year? One thousand? Two thousand?

Whatever the amount you’re paying now, you can slash that amount by more than 50% by simply following a few simple strategies.

Can you cut your car insurance costs by investing only 30 seconds of your time? No, that can’t be done.

But if you’re willing to spend 30 minutes today, this week, or next, I’ll show you how to save up to $6,000 on your Car Insurance over the next 10 years.

Okay, here we go. Grab your Car Insurance declarations page (the page in your policy that details all the coverage?s you’re paying for) and follow along. Make sure you take some notes. If you don’t have your policy, or can’t find it, call your car insurance company and get one - they’ll send it to you pronto.

STRATEGY 1 - Make sure you’re getting all applicable discounts for your vehicles safety features, such as:

- Front, Side or Head Curtain Air Bags;
- Automatic Seat Belts;
- Anti-Theft Alarms or Tracking;
- ABS or Traction Control….and many more.

Think about the safety features you have….and write them down.

STRATEGY 2 - Review & Change Deductibles For Comp & Collision.

Most Car Insurance Policies have two deductibles - one for “collision” (you hit someone or someone hits you) and one for “Comprehensive” (all other damage or loss).

For both of these, have at least a $500 deductible - preferably a $1000 deductible.

Here’s why - If you are currently paying a $100 - $250 deductible, you’ll save up to 40% per year on your monthly premiums by moving it to $500. That means if you’re currently spending $1,000 a year on insurance, you’re going to get to keep $400 every year. If you jump to a $1,000 deductible, you could keep almost $600 extra a year in your pocket.

I can hear some of you saying, “Wow, a $1,000 deductible. That’s a lot of money.” Yes, it is.

So is paying $1,000 a year with that $100 deductible….versus $400 a year with a $1,000 deductible.

The odds are in your favor - go with the $1,000 deductible.

STRATEGY 3 - Review & Change Property Damage Liability.

Have you ever seen a $100,000 mailbox? Car Insurance Companies must have. Here’s why….

Property damage is not damage done to an automobile but rather “property” like a mailbox or a utility pole. So, why in the world would you need $100,000 dollars of coverage?

In most cases, almost 100% of all property damage claims can be taken care of with only $50,000 of coverage. So take a look at your policy to find out what you’re currently paying for. And if you have little or no Net Worth, drop your coverage even lower - to $25,000 or your States minimum. You can find your States minimum by doing a Google search for “car insurance state minimums.”

Here’s what to look for on your policy - Many will have your liability coverage’s listed like so - 50/100/100 - The first two numbers refer to bodily injury liability coverage. The 1st number is the dollar figure covered per person. The 2nd is the dollar figure per accident.

The 3rd number is the “Property Damage Liability.” That’s what you need to change. What does yours say?

STRATEGY 4 - Review & Change Bodily Injury Liability.

Although Bodily Injury Liability Coverage is a must, almost all of us end-up overpaying for the coverage we need. This type of coverage specifically covers:

- Any and all occupants of an automobile, whether it’s yours or someone else’s;
- Any and all occupants of another vehicle;
- And Pedestrians

Your only goal with this type of coverage is to have just enough protection to protect what is yours….in other words, your assets. And in order to protect your assets, you need to figure out what your Net Worth is - here’s a well known site for calculating your net worth - www.kiplinger.com/personalfinance/tools/networth.html?

A great way to slash your premiums is to have no more in bodily injury liability than what your net worth is. Here’s a common example of the coverage most people have - If your net worth is only $20,000 and you have $100,000 in coverage, you’re throwing money away.

And if you have little, or negative net worth, just get the required State minimums. You’ll need this info to get the lowest car insurance rates. Again, you can get see your state minimums by Googling “car insurance state minimums.”

Here’s what to look for when trying to figure out how much coverage you have now. As I said earlier, most Policies today have your liability coverage’s listed like so - 50/100/100 - The first two numbers (whatever they might be) refer to bodily injury liability coverage. In this example, there is $50,000 in coverage per person and $100,000 per accident.

What does your policy say? Are you paying more than your net worth? If so, change it.

STRATEGY 5 - Review & Change Uninsured/Underinsured Motorist Coverage.

The uninsured/underinsured motorist coverage is a fantastic deal for car insurance companies….and a lousy one for you. This premium alone can increase your auto insurance by a couple hundred dollars a year.

Most folks think that uninsured/underinsured coverage is there to get your car repaired if it is hit by someone without insurance….or someone with lousy insurance.

Wrong.

Any damage done to your car is already covered - by the premium you’re already paying for collision.

First things first….check your policy if your paying for uninsured/underinsured coverage now. If you are, Google “uninsured motorist state requirements” to see if your State requires it.

If it’s not required by your State, cancel it.

If the State you live in does require uninsured/underinsured coverage, make sure you have the absolute minimum required. These minimums are not advertised, change every couple of years and are very difficult to find. So, here’s how you handle this.

Do a Google search for your State Department of Insurance, go to the “Contact Us” page, find a phone number, then call and ask what the minimums are.

Don’t try looking for it. Finding the minimums listed is almost impossible on most State Web Sites - they’ve buried it so deep you’ll never find it. Just call your State Department of Insurance.

I know it’s a bit of a hassle to get the info yourself. Yet relying on the Insurance Companies to give you the correct information isn’t very wise.

Article by Tom OLeary