Categories
Carpet Cleaning

Dirty Carpets Got You Down? Read These Ideas.

TIP! Always make sure you take the time to compare prices of different companies before making a final decision. Research the company and read reviews from former customers.

Carpeting is expensive. Even if you vacuum it religiously, it will still require professional cleaning. This is where a carpet cleaning service comes in. A good company can really make your carpet look great once more. In this article, we will cover some information that will help you select the right carpet cleaning company.

TIP! Research customer reviews into any carpet cleaning service you are thinking of hiring. Look for reviews and recommendations that indicate whether the company is able to meet your needs and provide the best services.

You need to make sure that any carpet cleaning company you decide to go with is reputable before you agree to their services. There are many companies to choose from, and some are better than others. Talk to people you know to find out who they use, and go online to find out even more about a company. Doing this can help you to find the best carpet cleaning company for your personal needs.

TIP! Not all carpets can be cleaned by carpet cleaning machines and harsh chemicals. Therefore, a carpet-cleaning company should test a small portion of your carpet a full 24 hours prior to cleaning the entire carpet.

Always vacuum any carpet before cleaning it. Vacuum loose soil to avoid spreading stains or making them penetrate deeper into your carpet. If you don’t vacuum, you won’t be happy with the results. Similarly, you need to hire a professional cleaner that vacuums prior to service. After treating a stain, do not vacuum the area until it is fully dry.

TIP! A company may offer a certain type of stain protection for your carpet, but make sure you read your carpet’s warranty first. There are carpets that already have a pre-stain treatment included.

You must compare various carpet cleaners before you choose one. Research the company and check their customer reviews. You can also look up their Better Business Bureau listing, and check with your Chamber of Commerce for alerts of businesses to avoid.

TIP! Ask the carpet cleaner for product recommendations after cleaning. Most professionals can guide you toward the best stain removers, how long carpets should dry, and a vacuuming schedule.

Not all types of carpet are suited to heavy duty cleaning with industrial strength machines and chemicals. If you are trying a new product, test it on a small hidden portion of your carpet and wait a few hours. Materials, such as wool or silk, may get damaged from cleaning. Leave carpet cleaning to the professionals in order to make sure the job gets done right.

TIP! Spend some time vacuuming every area of the house. Thorough vacuuming removes a great deal of dirt.

It is simply not possible for a novice to clean a carpet as well as a professional. It’s worth it to protect the investment that you have in your flooring. Always take the time to do some research on the professional cleaners you are considering hiring. Use what you’ve learned in the preceding paragraphs to find a great cleaning service that doesn’t charge an arm and a leg.

Categories
Auto Repair

Poor Credit And The Need To Fix It

Poor Credit And The Need To Fix It

Everyone can be put at a disadvantage if they have poor credit. Lenders are less likely to loan to people with a poor credit history, therefore it becomes a huge handicap for people looking to buy on credit.
If you want to buy your car or house on credit, poor credit can be a huge obstacle. Even if you are approved for the loan, it is hard to secure competitively low interest rates in the industry.
Anyone with a Fico score under 600 is usually considered a person with poor credit. Many people end up with poor credit due to misuse of credit cards. People are usually uninformed about how late payments can negatively affect their credit report. In fact a lot of bankruptcies in the United States are caused by mishandling of credit cards.
Fixing Poor Credit
Tired of being rejected for loans? Tired of sky-high interest payments? It is time to repair your poor credit.
One way you can fix your poor credit is to try to regain control over your debt situation. There are many agencies that can provide debt consolidation or complete debt elimination services. Once you are able to make your debt payments in time, you will reduce the deductions taking place on your credit score.
Poor credit can be caused by not properly planning your expenses so that you do not have enough money left over to pay your bills on time. By creating financial plans such as a household budget and a savings plan, you can get control over your expenses. Proper organization can help you get rid of your poor credit.
Credit cards available to people with poor credit usually have lots of fees such as an annual fee and a high APR. However these cards can give you the chance to start repairing your credit. With a good credit score you can become eligible to lower interest rates and fees on any loan you take out, therefore it is certainly very desirous to start fixing your poor credit.
If you need money in an emergency and are hindered by your poor credit, you can look into a cash advance payday loan. Cash advance agencies usually do not carry out credit checks. However these loans are meant only for the short term and could cost you dearly if you delay the repayment.
Good credit is not built in a day. It will take persistence on your part to repair your credit. With a good credit you can finally be able to buy the house or car of your dreams. You will find many more doors open to you after you have fixed your poor credit.
Even with poor credit you may find agencies willing to loan to you. Search the advertised offers from home mortgage companies, auto dealers and credit card agencies where they say they will provide loans even to people with poor credit.

Categories
Carpet Cleaning

Simplify Carpet Cleaning By Following These Ideas.

TIP! Before settling on a carpet cleaning company, you should compare the merits and demerits of each. Get online to find customer testimonials about each company.

Carpets that are dirty are bad. Allowing your carpets to become dingy will take away from the appearance of your home in addition to leaving your guests with dirty socks. This is why it is important to get them cleaned professionally. How can you choose a good professional to clean the carpets in your home? These tips can help.

TIP! Sometimes, carpet professionals offer services other than carpet cleaning. A lot of them clean upholstery, so ask about it if you need that service.

Be wary of companies that give per room prices or contact you via phone. The reality is that room sizes can differ dramaticially. A legitimate company will base their prices on square footage.

TIP! Test out a number of carpet cleaning products before you select the one that works in your situation. There are so many products out there, but not all of them work well on all types of carpets.

Always examine your carpet warranty before going forward with carpet cleaning services. Your carpet may already be treated and if used with another product, it will void the carpet’s warranty. The chemicals may not be compatible and it can end up costing you a bundle.

TIP! There are a lot of ways a carpet can be cleaned, and every company may be different. For instance, some offer cleaning with absorbent pads.

Just because certain cleaners use products that are popular doesn’t mean you should consider them to be the best out there. Do not forget to verify the certifications of the cleaning business. You can ask about their certification and look it up yourself as well.

TIP! Make sure there is a suitable parking place for your carpet cleaning company. This can actually be a problem if you don’t think about it ahead of time.

Don’t forget to inquire about after-care instructions to the person who cleans your carpets. They should be able to give your some good advice, such as which stain removers are best and the length of time it will take the carpet to dry. You can now keep your carpets great-looking for much longer.

TIP! Make sure you look closely at any work that is done in your home. Contact the company that did the cleaning as soon as possible if something isn’t right.

If you have difficult carpet stains, you might need to think about getting a pro. A professional is trained to handle all kinds of tough stains, including red wine, wax, and blood, that you just cannot do on your own. Usually, they do not cause damage to carpets when they do this, preventing you from wasting time and money.

TIP! When you use a professional carpet cleaner, take note of the particular solvents and chemicals they use. Some companies are more conscious of the chemicals they use than others are.

You should have no problem finding a qualified professional with the information in this article. You’ll find it’s a lot easier than you think, now that you’re armed with this information. Carpet cleaning services can help your carpets look great again. They will also impact your home’s overall appearance as well.

Categories
Auto Repair

Diminished Value: What Most Insurance Companies Don’t Want You To Know

Diminished Value: What Most Insurance Companies Don’t Want You To Know

If you have been in a car accident with a newer car that was not totaled but received a significant amount of damage, you may be entitled to more money than you know about. Most insurance companies won’t tell you that you may be able to get a significant amount of money for a diminished value claim. Many people do not even know what diminished value means.

Diminished value is the difference in value between a vehicle with an accident history, and the same vehicle without an accident history. Diminished value is the monetary difference between a car’s pre-accident value and its value after the accident – the automatic loss in value from a collision. Diminished value is very hard to prove, so many times you need to hire an attorney who handles diminished value claims, depending on what state you live in.

Diminished value exists as a real concept in the insurance world and it is paid all throughout the country. Diminished value is the best-kept secret that your auto insurance company hopes you never learn. Diminished value is a reality, even in cases where repairs eliminate all visual evidence of damage. Diminished value is most pertinent in relation to late model cars that have low miles and have suffered structural damage. The amount of repair related diminished value is determined by the overall quality of the repairs.

Diminished Value and Insurance

Insurance companies generally do not acknowledge the right to recover diminished value. Insurance companies would have you believe they are your advocates when in reality they are your adversaries. Insurance companies promise to restore your vehicle back to its pre-accident condition, but fail to define exactly what that means. Nowadays, a vehicle’s crash history is easy to track online, and a history of an accident can cost a vehicle owner thousands of dollars.

Diminished Value and Accidents

The fact that it has been involved in an accident and repaired causes your vehicle to have diminished value. It has been estimated that 55% of consumers would not buy a car that had been in an accident. Although your body shop does an excellent job and your vehicle looks as good as it did before the accident, having been in a collision it’s now much less desirable if you should decide to sell it now or down the road. If you list your car for sale in the newspaper for the Kelley Blue Book Value, the first thing a buyer will ask is “Was this car in an accident?” If your beautiful late model car sustained structural damage, or was repaired with cheap foreign parts, your buyer will likely not pap the same value for it as they would have before the auto accident.

Diminished Value Appraisal

It has been my experience that it is key to get a good appraiser to value the car once the appraisals are done.

Categories
Carpet Cleaning

What Needs To Be Known Before Getting Carpet Cleaning Done

TIP! Do not go over board with heat during the carpet cleaning process. This can damage the carpet, particularly if the material it is made of is delicate, or it is colored.

Regardless of how careful you are, you’re carpets will eventually get stained. This is especially true for people with children or new pets that like to make messes. Read these tips to see how to find a professional carpet cleaner.

TIP! If your first contact with a carpet cleaning company is through phone spam or a company charges by the room, find a different company. Keep in mind that not all rooms are the same size.

Only some carpets are safe to be cleaned with chemicals and machines. Be sure apply a little bit of solution to a small area of your carpet in an unobtrusive location a full day before applying a cleaning solution to the whole carpet. Silk or wool carpets can be damaged by harsh chemicals. If you do not know how to go about getting clean carpets, it’s time to call the pros.

TIP! Test anything that you’re going to use to clean a carpet by using a little bit of it on an area of your carpet that you won’t really notice. Some acid products can damage carpets or cause discoloration.

Even if your cleaner offers to get your furniture out of the way with no additional charges. Be certain that your fragile pieces are moved before the carpet cleaners even arrive. You don’t want to trust someone else with your valuables, even when they promise you nothing bad will happen.

TIP! Not all carpets can be cleaned by carpet cleaning machines and harsh chemicals. Be sure apply a little bit of solution to a small area of your carpet in an unobtrusive location a full day before applying a cleaning solution to the whole carpet.

As soon as you have a new carpet installed, be sure that you wash it. Many carpets are treated with chemicals while they are still in the showroom in order to preserve their quality. That’s why you need to reduce your family’s exposure to these by having a carpet cleaned before it’s put in your home.

TIP! A carpet cleaning company’s competency is not determined just by what brand shampoo or equipment they use. You want to be sure that the company you’re using is certified.

It is important to be aware that using cleaning solvents and chemicals to clean your carpet means that your family is exposed to the same substances in your home. Read any cleaning product labels and consider “green” solutions like baking soda, salt or rinsing the carpet.

TIP! Try out a few cleaning products before determining which one you want to use. There are so many products out there, but not all of them work well on all types of carpets.

Now you can live with fresh, clean carpet. Although carpet cleaners cannot mend damaged carpets, they can get rid of old and deep set stains. Use the tips you just read as you conduct your search to find a quality carpet cleaning service.

Categories
Carpet Cleaning

What To Look For When Hiring Carpet Cleaners

TIP! Don’t allow a company to use too much heat when cleaning your carpets. Heat has been known to degrade a carpet’s quality, especially if it’s made of a delicate or colorful material.

Your flooring is among the most noticeable aspects of your home. Those with carpets have a tougher time keeping things clean, and might think about getting a professional to do it instead. The advice in this article can help you find just the right carpet cleaner for you.

TIP! Prior to agreeing to any sort of professional stain treatment, check to see if your carpets are under warranty. The warranty might be voided if the carpet already contains a stain treatment.

Compare the prices of different companies to get the most bang for your buck. Research the company and read reviews from former customers. The BBB or Chamber of Commerce can also help you find out more information.

TIP! Remember that chemical cleaners could endanger you and your family members, pets and houseplants. Always read any labels on a cleaning product before using it, or even consider using more environmentally conscious products such as baking soda or vinegar.

Do not go over board with heat during the carpet cleaning process. Make sure that the person you choose is not using too much heat on the carpet. Heat can lead to permanent stains, which can ruin your carpet entirely.

TIP! Just because certain cleaners use products that are popular doesn’t mean you should consider them to be the best out there. Look to see that any company you use has the right certifications.

Before a carpet-cleaning company uses a solution on your carpet, they should test it out on a small component of your carpet that won’t be noticed. There are some chemicals that can damage your carpet permanently. It just takes a few moments to test and it could save you a great deal of money and time.

TIP! Be sure any company you hire to clean your carpets has an actual address. You’re going to need a real address where any issues can be resolved, if you should have a problem with the work the cleaner does.

Carpet cleaners aren’t friendly to certain types of carpet. Test a small piece of your carpet to confirm that it can withstand a chemical. Expensive materials can be easily damaged. If you don’t know how to clean the carpets in your home yourself, consider hiring a professional.

TIP! Be sure to tell a carpet cleaner if there are electrical outlets inside of the floor. These cannot be cleaned because of risk of serious injury and damage to your home.

When you have new carpet laid in your home, have them cleaned. In some cases, carpets are full of chemicals that maintain showroom quality. You can reduce the chances of your loved ones being exposed to these chemicals by having the carpet cleaned as soon as you bring it home.

TIP! After they are done cleaning, ask the contractor if they can recommend any tips for carpet care. Many provide information such as how much to vacuum, dry length of carpets, and the types of removers to use.

You should clean your carpet regularly if you have pets, children or invested in a high maintenance carpet. Either one of these situations will necessitate the hiring of a professional carpet cleaning business. Keep in mind all that you read here so that you can find a professional answer for your stains.

Categories
Auto Repair

Undercoating Your Own Car

Undercoating Your Own Car

Undercoating stops and prevents rust and keeps your car looking great. It’s recommended for those planning on keeping their vehicle more than a couple of years It is a thrifty job in two ways.

You save the cost of having it done, and leave the body from rusting away.

Undercoating is an extra dollar that an auto dealership often tries to load onto you when you buy a new car. But you need not dig into your pocket for this extra. You can do the job yourself at a total cost that is a portion of what an auto repair shop will charge you.

Undercoating has two advantages. First and foremost, it will protect a card by preventing the rust that eats through a fender and through a car body. Secondly, sprayed or brushed into metal to metal cracks and crevices the black asphalt material will forestall many a squeak and rattle.

Most people think of undercoating in connection with strictly a new car. However it is usually a job that pays dividends on a vehicle of any age. In fact it offers a means of curbing automobile metal rust that may have gained considerable headway on any used car or vehicle.

If you decide to undercoat your car, do so before washing and polishing since some spillage may occur.

First: Remove the Rust. Whether the car is new or old, all rust must be removed and the metal cleaned off before the undercoating goes in. Rust left under the coating would go right ahead with its damaging work. Work on the metal until it shines.

Cleaning comes first. Getting the grime off can be the most difficult part of the procedure.

Steam cleaning is probably the best way to prepare the car. If you can have this done. It will save you much effort and heartache. If not TSP (Tri Sodium Phosphate) can be used to loosen up the grease. A wire brush can be utilized. TSP is an inexpensive crystalline salt available at most hardware stores such as Home Depot or Rona. Mix the TSP degreaser with hot water and daub it on grease areas with a sponge or cloth.

In doing this job it is important to know what to coat and what not to coat. Keep the material off moving parts, oil pan, brake lines, muffler, tail pipe, drive shaft etc etc. Apply it liberally, however under the fender and sills of the frame and under the floor. Under the fenders work it right out to the edge.

To get under the fenders you will have to remove the wheels. Unless the support is very stable, remove only one wheel at a time. It never hurts to play it safe.

Some undercoaters are inflammable, while wet. So work with good ventilation – and avoid smoking and open flames of course.

Remember an ounce of prevention is worth a pound of cure, or many tons of salt in this case.

Categories
Auto Repair

Understanding Your Auto Insurance

Understanding Your Auto Insurance

Reading auto insurance policies can be like trying to decipher advanced calculus. It’s really not that difficult if you understand a few basic terms. Collision, Comprehensive, Bodily Injury Liability and Property Injury Liability are the main terms you need to fully understand.

You’ll appreciate Collision Coverage in the event you need repairs or replacements if your vehicle collides with another vehicle or property. The higher the deductible you elect, the lower your premiums will cost you. If you’re at fault for something, well of course it would still be an accident, as I doubt you’d plan to run into that guard rail, but how much would you be able to afford to pay out of pocket for repairs? $250? $500? $1,000? Just like medical insurance, you’d have to pay that deductible amount first and then the insurance company would pay for the remaining charges for the repair.

Another term to become intimately familiar with is Comprehensive Coverage. This is the coverage that pays for damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the less your insurance premium.

In addition to knowing how much Collision and Comprehensive coverage you have, you’ll want to know about your liability coverage. Let’s say you rear-end another driver. Or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle. You liability coverage will, or could, include bodily injury (people) and property damage.

You don’t want to go without Bodily Injury Coverage. If you were at fault in an accident and others involved needed to go to the hospital and/or lost wages from missing work, those costs would come out of your pocket if you are not insured with Bodily Injury Coverage. It doesn’t take a genius to know how quickly those amounts can add up. This type of coverage can also help you in the event the other party takes legal action against you. Many states require you to carry Bodily Injury Coverage.

The other part of liability includes Property Damage coverage. Can you imagine how much it might cost should you accidentally drive into the side of someone’s home? You wouldn’t want to be caught without property damage insurance should you need to pay for repairs to another vehicle, building or anything else you might hit. As with Bodily Injury coverage, Property Damage coverage also helps protect you in the event of a related lawsuit.

Every policy will have its limits and various degrees of coverage. It’s important that you understand the basics of what you are paying for and why it is necessary. No one plans for an accident, be prepared!

Categories
Carpet Cleaning

Clean Carpets Are Easier To Get Than You Think

TIP! Before cleaning your carpets, a professional should vacuum them. Before the technician arrives, thoroughly vacuum your carpets to remove dirt and debris.

Laying new carpet in your house is a seriously pricey undertaking. Although vacuuming removes dirt and debris, your carpet will require an occasional deep cleaning. That’s why it’s important to find a skillful and trustworthy carpet cleaner. A good company can clean your carpet to a nearly new appearance. Keep reading to find out more.

TIP! Even if your cleaner offers to get your furniture out of the way with no additional charges. Be certain that your fragile pieces are moved before the carpet cleaners even arrive.

When you clean your carpet, don’t use an excess of heat. Your carpet can suffer from severe damage, even more so if it is colorful or fragile. That is critical when you have a stain but want to avoid permanent floor marks.

TIP! Remember that carpet cleaning agents often contain chemicals that could harm you or your children. Consider environmentally friendly solutions for cleaning your carpet, including rinses containing baking soda or vinegar to rid the carpet of chemical residue.

Carpet companies usually do more than just clean carpets. These companies might clean upholstery and even offer you a deal if you get your carpet cleaned as well. You may even find a company that is currently running a carpet/upholstery cleaning promotion.

TIP! You should talk with the carpet cleaner you hire and ask questions about the methods or products you can use to clean your carpet. They can give you valuable advice on the day to day processes to take care of your carpet.

Before a carpet-cleaning company uses a solution on your carpet, they should test it out on a small component of your carpet that won’t be noticed. Many acidic chemicals have the potential to cause unsightly damage. A reputable company should do this any way.

TIP! Experiment with multiple cleaners prior to determining the best one. Although many products exist, they will only work with certain carpet types.

You should immediately wash new carpets as soon as they come into your home. When carpets are manufactured, they often have a chemical added to preserve the appearance until they are sold. By having a professional clean new carpets as soon as you get them, you can ensure your loved ones’ exposure to these chemicals are minimized.

Stain Treatment

TIP! If you hire a cleaning service, make sure there is an area where they can park. This may sound a little silly, but you should consider it.

Find out about any warranty that may still be on your carpet prior to letting a company apply a stain treatment. The warranty on carpets that have an existing stain treatment applied can be voided if a different stain treatment is used on them. If the two separate treatments interact in negative ways that harm your carpet, you could be in for a big expense.

TIP! Check the fine print if you plan to use a coupon. There could be stipulations in regards to the provided services.

A professional can clean your carpets much better than you can alone. This will help you protect your investment. Stay aware of possible cleaning scams, and you should be fine. Use the advice you have just read to find a good company at an affordable price.

Categories
Auto Repair

How to Save on Car Insurance

How to Save on Car Insurance

Are You Still Paying Too Much for Car Insurance?
Everyone who owns a car needs auto insurance. This article will give you some tips on lowering your auto insurance costs. You will find a checklist of items to ask your insurance agent that may qualify for discounts. Keep in mind that not all discounts can be applied with all insurance companies in all states.
1. Shop Around
Go to your favorite search engine and type in “free car insurance quotes online”. You’ll see a long list of insurance companies that you may even be familiar with. Visit at least five car insurance websites and look for a link to free quotes. You will then be asked basic information about yourself, your driving history, and your car’s make, model, and year. It just takes a couple of minutes, and shortly thereafter, they will email you a no obligation quote. Write down their website address, their toll free number, and customer service email address.
Each insurance company will ask you generally the same questions, and will give you options about how much coverage you will want. Find your current policy, if you have one, and take note of the coverage you currently have. Always provide the same information and ask for the same coverage at each company so you will be comparing apples to apples. Read the fine print and make sure nothing is excluded from the quote like Rental car coverage, towing, medical, etc…
For the purposes of the quote, the insurance company will not ask you your social security number, but keep in mind your actual cost maybe higher or lower depending on your credit history. If you’re not sure about some of the terminology or coverage, take notes so that you can ask the insurance company about them directly.
Once you have at least five quotes emailed to you, take the lowest two or three quotes and see if they are less than what you are paying now. Most likely at least one of them is much lower. At this point you will want to call them directly to get the most accurate quote by providing additional personal information. For additional discounts, here is a checklist of things you should ask about.
[ ] $500 deductible
[ ] $1,000 deductible
[ ] Paying monthly, semi-annually, or annually
[ ] More than 1 car
[ ] No Accidents in 3 Years
[ ] No Moving Violations in 3 Years
[ ] Driver Training Courses
[ ] Defensive Driving Courses
[ ] Anti-Theft Devices
[ ] Low Annual Mileage
[ ] Air Bags
[ ] Anti-Lock Brakes
[ ] Daytime Running Lights
[ ] Student Drivers with Good Grades
[ ] Auto and Homeowners Coverage with the Same Company
[ ] College Students away from Home
[ ] Long-Time Customer
[ ] Other Discounts
2. Saving Insurance Premium on cars you own outright.
If you own a clear title to your car, meaning there is no bank loan on it, then you may want to consider dropping the collision/comprehensive coverage. As a rule of thumb, if the cars value is less than $3000, it may not make sense for you to pay for this additional coverage. Over time, the cost of the additional insurance premium will exceed the value of the car. It’s pretty simple math.
Check the fair market value of your car either through Edmunds.com or even your local newspaper. See what other people are trying to get for the same car. Keep in mind your cars mileage, condition, and age. Has it been in an accident before? Does it have unusually high mileage in excess of 15,000 miles per year? Does it need new tires? You get the idea. Be realistic, because in the event that this car is in an accident and is damaged beyond repair, it is unlikely you will get the full value of the car.
3. Ask About Insurance Rates in Different Areas
Rates can vary widely even in the same state. Different locals have different accident rates, population, and crime. These all factor in to the final cost. If you are moving to a different area, ask about what the rates are for that town.
4. Ask About Getting Other Insurance Policies Together With Your Auto Insurance
Combining insurance policies with the same company can often give you additional discounts. If you own a home, ask about combining your homeowners insurance with your auto insurance. Also ask about other polices, such as life, health, and business insurance. Most insurance companies cover a wide range of policies and will give substantial discounts when you do business exclusively with them.
5. A Clean Credit History Can Reduce Car Premiums:
Having good credit can also lower your insurance costs. Many insurance companies will use credit information to price auto insurance policies. Drivers with good credit and a clean driving record may qualify as a “preferred” customer with lower risk and will be rewarded with lower premiums.
6. Low Mileage Discounts
Some companies offer discounts to drivers who drive a lower than average number of miles per year. If you car pool, take public transportation like the subway, or work from home, you will most likely drive few miles per year than the average driver.
7. Group Insurance
Some insurers offer discounts to drivers who work for certain companies or belong to professional associations, and alumni groups. Ask your employer, group or clubs that you belong to if they have any special arrangements with different insurance companies.
Using all of these tips can save you hundreds of dollars per year, especially when you have multiple cars and multiple drivers in the same household.