RESPONSIBLE OWNERSHIP Insurance and Cost Saving Techniques

VARIABLES INVOLVED IN AUTOMOBILE INSURANCE Must have insurance when you register your vehicle If your vehicle is financed, you must have full coverage

HOW TO PURCHASE VEHICLE INSURANCE Pay a premium or set amount of money to an insurance company Premiums are usually paid every six months Some companies allow monthly payments Insurance companies rely on statistics to determine their premiums

STATISTICS Statistics indicate the likelihood that people of a certain age, gender, or marital status will be involved in a crash. Statistics also indicate the likelihood of certain types of vehicles being involved in a crash

VARIABLES IN PURCHASING AUTOMOBILE INSURANCE Your gender You marital status The value of your vehicle The type of vehicle Your age Your driving record Mileage per year If you drive to work Where you live

EVALUATE INDIVIDUAL INSURANCE COVERAGE Family makeup changes Economy changes vehicle replacement cost cost of medical care Increase your coverage limits to meet these demands.

FUEL ECONOMY More than 100 million registered automobile are in the United States. These vehicles consume more than 70 trillion gallons of gasoline each year.

ENERGY EFFICIENT DRIVING PRACTICE Driving techniques of the individual behind the wheel determines the fuel economy of a particular car. A careful driver should be able to get at least 30% better mileage than an average drive and 50% better mileage than a poor one. The importance of individual gasoline savings cannot be overemphasized.

TIPS FOR ENERGY EFFICIENT DRIVING Smooth acceleration Consistent speed Smooth braking Prolong idling Plan your route in advance

PLAN YOUR ROUTE SIPDE Maps and atlases INTERNET Map quest Trip planner Travelocity City Trek

MILES PER GALLON After a fill-up, record the odometer reading Record the odometer reading the next time you fill up and how many gallons it took to fill the tank. Subtract the two odometer readings and divide the number of gallons into the answer. This indicates the number of miles per gallon your vehicle can travel on one gallon of gas.

VEHICLE OWNER’S MANUAL Read the owner’s manual to determine the time and mileage span for period checks and maintenance for: Engine oil requirements and changing oil filters Proper grade of gasoline Cleaning and replacing carburetor air filter Servicing air conditioners Power train maintenance Ignition system and spark plugs Engine performance evaluation

REPRECUSSIONS Paying Expensive Bills due to neglect or lack of knowledge Void the Manufacturer’s Warranty if maintenance not followed