Here are some important reminders which I compiled for those who wish to save money for rainy days:

a. Take advantage of the low mileage discount: - Options such as carpooling, taking the bus or cycling are good healthy alternatives for car driving. If you get a low annual mileage (below 10,000 miles) you should be eligible for a special discount on low mileage. Low mileage discounts ranges from 10 percent to 20 percent, depending on the area and the state that you live in.

b. Hybrid discount: - Customers who own hybrid vehicles are sometimes offered by some insurance companies with hybrid discounts. Hybrid vehicles are more fuel efficient and ecology friendly, that is why they cost less to be insured.

c. Discounts for anti-lock brakes and onboard airbags: - Pasadena Auto Insurance companies often promote safety features in your vehicles. Safe cars can attract cheaper premiums due to these added features and normally these types of vehicles are not the thieves’ favorite.

d. Increase ( or at least maintain) good credit score: - Obey traffic regulations and avoid getting any tickets. - A good credit score will dramatically decrease your insurance premium, while any traffic violation will negatively affect your credit scores; thus, you would be “penalized” in the form of higher insurance rate.

e. Do not allow your policy to expire by missing some of the monthly payments: - In fact, a missed payment is illegal in some countries. It can badly affect your credit score and it can make your next auto insurance more expensive in the future because of your low credibility.

f. Be a brilliant student: - Some insurance companies offer a ‘Good Student Discount” in high school and colleges for high achiever students (with a certain GPA mark to be satisfied). For the society at large, high achievers tend to become better drivers due to their great sense of responsibility. This makes them responsible road users, which in turn, should make the road safe for other users, too.

g. Switch to Deductible: - For a vehicle less than 5 years old, a deductible of $500 or $1000 is preferable over a deductible of $5,000 or higher. You could easily save at least 20% of your comprehensive auto premiums if your vehicle is newer.

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The Top 10 list of crash prone professions was recently released by Insure.com and Quality Planning Corp. To no one’s surprise, the list corresponds almost directly to what most people want to become.

Perhaps it’s a sign that the people getting in the most accidents tend to have the most stressful jobs. There’s no yoga instructor on this list.

This top 10 lists definitely has some high achievers as well as people who need a sense of urgency.

Here’s the list of the top ten, with Insure.com’s speculation about why each profession tends to rank so highly:

1. Doctors Per year, every 1,000 doctors average 109 accidents and 44 speeding tickets, landing them at the top of the list. Are these sleep-deprived residents and interns too tired to stay on the road, or do they just enjoy playing God in traffic?

2. Lawyers

Per year, every 1,000 lawyers average 106 accidents and 37 speeding tickets. No need to chase ambulances when you’re already at the scene of an accident!

3. Architects

Per year, every 1,000 architects average 105 accidents and 72 speeding tickets. They may make a living at the drafting table, but on the road they can’t seem to draw the line.

4. Real estate brokers

Per year, every 1,000 real estate brokers average 102 accidents and 39 speeding tickets.

5. Enlisted military personnel

Per year, every 1,000 enlisted military personnel average 99 accidents and 78 speeding tickets.

6. Social workers

Per year, every 1,000 enlisted social workers average 98 accidents and 33 speeding tickets.

7. Manual laborer

Per year, every 1,000 manual laborers average 96 accidents and 77 speeding tickets.

8. Analysts

Per year, every 1,000 analysts average 95 accidents and 40 speeding tickets. Perhaps if they analyzed how much they could save with a good driver discount, they’d be more careful.

9. Engineers

Per year, every 1,000 engineers average 94 accidents and 51 speeding tickets. Using a calculator while driving definitely won’t help their cause.

10. Consultants

Per year, every 1,000 consultants average 94 accidents and 50 speeding tickets. Perhaps they could give themselves advice on how to be better drivers.

Do you find your profession on the list? Don’t be alarmed if you fall into one of the above categories. While some insurance policies will ask for your profession when they write your Pasadena auto insurance policy, it’s unlikely you’ll be penalized if you tell them you’re a doctor or lawyer given this information.

Car insurance policies are representative of a number of different factors, not the least of which is your driving record and the location of your vehicle when it’s parked at night. No policy is given solely on a piece of data such as your profession.

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As in every city in Texas, Pasadena car owners need to follow all the laws of the State. We all know that car insurance rates are going up and there is not much we can do in that aspect. Of course we can’t change our ages or our past driving records but there are things you can do yourself to lower your auto insurance in Pasadena, TX.

When you have a luxury car your insurance rates are obviously going to be higher while a smaller car will have a lower cost of auto insurance. To help lower these costs make sure you have the features on your car that can lower your insurance rates like car security systems. To make sure your insurance is even lower don’t carry any coverage that you may not need. By comparing different rates of different companies can help you make a better decision.

It should be remembered that the cheaper one is not always better. You need to make sure that the policy purchased by you has everything according to your need. A lower car insurance cost will not save any money for you, if it does not include all the points of coverage required by you. This is definitely to be made sure that your needs and specifications are included in policy and you are taking adequate steps to protect your families and vehicles.

One of the first steps to getting a great deal on your Pasadena car insurance is to write down your exact needs.

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