1. RESPONSIBLE OWNERSHIP
Insurance and Cost Saving Techniques

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

3. 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

4. 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

5. 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

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

7. 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.

8. 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.

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

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

11. 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.

12. 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

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