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Like all other major (and minor) car insurance companies, Geico offers a slew of discounts to help drivers save money on auto insurance. And we know if can be difficult sometimes to keep up with the many discounts offered by these companies, what with their ever-changing ad campaigns. So in an effort to simplify matters, we’ve created lists of discounts for popular insurers, with Geico being the latest installment. ABS Discount – if your vehicle has an anti-lock braking system, you may receive 5% off the collision portion of your car insurance costs. Accident Free Discount – if you’ve avoided an accident for five years, Geico can offer up to 26% on most coverage options. Air Bags Discount – you can save 25% for driver-side air bags and 40% for full-front seat air bags (this discount applies to med pay or PIP portion of your premium). Anti-Theft Discount – you can also save up to 25% on the comprehensive portion of your coverage if you’ve got a built-in anti-theft system. Daytime Running Lights Discount – you may receive a 3% discount simply for having daytime running lights installed on your car. Defensive Driving Discount – you may be eligible for a discount if you’ve taken part in a Defensive Driving course (we debunked this one already).
Driver’s Education Discount – young drivers may be able to save their parents some money by completing a driver’s education course. Federal Employee Discount – active or retired government employees may be eligible for the “eagle discount,” which offers up to 8% off the entire premium.
Good Student Discount – full time students (typically aged between 16 and 25) with a “B” average can get up to 15% off certain coverages. Military Discount – get up to 15% of your entire premium if active duty or retired military, or a member of the National Guard or Reserves. Multi-Car Discount – if you insure more than one vehicle with Geico, you can save up to 25% on most of your coverages.
Multi-Policy Discount – if you also purchase Geico Home Insurance or renter’s insurance, you can get a bundling discount.
National Geographic Subscribers – if you subscribe to National Geographic, you may be eligible for additional discounts.
Partnering Organization Discount – if you’re a member of one of 275+ groups, such as alumni organizations, credit unions, fraternity or sorority organizations, or student organizations, you can save an additional 8% off your policy premium.
Seat Belt Discount – get up to 15% off med pay or PIP if you and your passengers always wear your seat belts. Keep in mind that while discounts are generally a good thing, if you find a lower car insurance premium with a different provider that doesn’t offer discounts, you’re better off going with them. The final price is what matters, not the discounted rate if it’s still higher than competing offers. Additionally, these Geico discounts aren’t available in all states or by all Geico companies. And as noted above, many discounts only apply to small portions of your overall policy premium, so the savings many not be as substantial as they appear. Even with all the discounts listed my Geico insurance quote was significantly higher than what I received from other companies.
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How to lease a car in 7 simple steps How to lease a car in 7 simple steps BY Warren Clarke NEW YORK DAILY NEWS Friday, August 5, 2016, 3:32 PM facebook Tweet email Purchasing a luxury model such as this Mercedes-Benz GLC-Class may be outside your budget, but leasing can place a vehicle like this within your financial reach. We live in times that are fickle and fast moving, and what's hot, viral, and trending this morning is often cold as ice by sunset. According to data released by Experian Automotive, a source for car-industry data, a third of all new-vehicle transactions in the final quarter of 2015 were leases.
For many, purchasing a car represents a long-term commitment, and given that automotive technology and innovation hurtles forward at the speed of light each year, this kind of extended union can feel restrictive. Not all lease opportunities are equally rewarding, and you'll have to do some homework to land an optimal lease.
Make sure leasing is right for you by taking a look at all the pros and cons before moving forward. The key advantage to leasing is it enables you to pay less money each month than you would if you were to purchase a car. Depending on the length of the lease, repairs may be covered under warranty, and this means you won't have to pay to get your car serviced if a component fails.
The key disadvantage to leasing is that it doesn't confer ownership, and a lack of ownership places restrictions on what you can do with the vehicle. Leasing contracts also have mileage limits, and most contracts allow 12,000 miles per year. With leasing, you never own your car, which means you never build equity in the vehicle you're driving, and you never stop making payments.
If you've analyzed this information and decided leasing makes sense for you, it's time to move on to the next step.

Guaranteed auto protection (GAP) insurance is required by most lease contracts, and it can help cover the difference between the car's market value and the amount owed to the leasing company if the car is written off or stolen. It's also important to remember a key advantage of leasing is it frees up your cash flow by providing you with expenses that are more manageable than those associated with buying a car. As far as the span of the lease contract is concerned, we'd recommend having your lease agreement not extend beyond the length of the basic warranty offered by the manufacturer. Take a look at your overall budget to determine how much you'll be able to afford for a monthly lease payment. Remember to consider all your automotive expenses when planning your budget, including insurance. You make a personal statement every time you drive up in your car, so it's important to choose a car with styling that reflects your aesthetic, and an image you want to portray.
Since leasing is less expensive than purchasing, you'll be able to afford a bit more car if you choose to lease. A test drive can reveal things that may not be revealed in the vehicle's seductive marketing materials. You can also get great leasing deals via special offers provided by third-party automotive websites. You'll need to get price quotes from the dealership regarding your lease, and it's easiest to request this information via email or phone. After you've gotten a couple of lease quotes from dealers, you'll be able to compare your alternatives. If you decide to bargain, make sure the salesperson presents you with all the numbers relevant to the deal. Many dealerships will deliver the car to your home or business if you make this a condition of your lease. Provided you fit the profile for the kind of driver well served by a lease, going this route can be both satisfying and rewarding. Tags: buyers guide street smarts buying tips Did you find this article helpful? At times the auto industry can feel overwhelming, with all the different products, brands and stories to keep straight.
And for non-automotive-journalists, which are most of you out there, it can get pretty confusing at times, especially when it comes to keeping the various product lines straight. Please note, we did not try to list every single automaker; we merely focused on the major players in this industry and ones that have a strong presence in North America.
Compared side by side, the two are quite similar on paper, but when driven, the two feel entirely different. Surprisingly similar in some aspects, yet still completely different in others, these two hatches take different approaches to a common goal. Despite how similar the Kia and Nissan may appear on paper, they are very different in execution. Watch our Short List video to learn about the top 10 most unreliable cars on sale right now, according to our friends at Consumer Reports. ODDS OF WINNING:Odds of winning a prize are determined by the total number of eligible entries received. CONDITIONS:By entering the Sweepstakes, entrants agree to be bound by the Official Rules, Terms and Conditions and that Sponsor has the irrevocable right to use in perpetuity entrants’ names, user names, likenesses, photographs, voices, home mailing address, biographical and prize information, and entry materials, without notice to entrants and without compensation or obligation, in any and all media now or hereafter known throughout the world, in any manner whatsoever, to advertise and promote Sponsor, its products and services, the Sweepstakes, and for any other purpose except where prohibited by law. As such, it's not surprising more and more people are choosing to lease cars rather than buy.
This represents an increase of more than 10 percentage points over the level seen in the fourth quarter of 2011.
Car leases are available for as few as 24 months, and this gives a lessee the freedom to quickly trade up to the most current model.
Once it ends, you'll be in the market for a new car again, and you won't have to worry about selling or trading in the old one, since disposal will be as simple as turning the car over to the leasing company. For example, if you have dreams of customizing your car with aftermarket options, leasing isn't for you, since the terms of a typical car lease don't allow those changes. If you exceed this, you'll have to pay extra, and this usually runs about 10 to 15 cents per mile. Though leasing will cost you less each month than making loan payments for a purchase, keep in mind the cumulative cost of leasing for several years could easily exceed the cost of buying a new vehicle. However, keep in mind that even with GAP insurance, there may be limits to the amount of protection provided.
Keep in mind that advertised lease offers typically require a down payment and do not include sales taxes and fees, so the monthly lease payment could be more costly than you'd anticipated.
If you've previously paid insurance on a car you've owned, keep in mind you'll likely have a higher payment on a lease, since lease companies tend to require more coverage. It's certainly possible to drive a vehicle that's both attractive and practical, so make a selection offering the functionality you need and the style you love. If you've been hankering to step up to a luxury model but haven't been able to swing it financially, you may find these models more affordable through a lease.
Spend some time behind the wheel of the model you're considering to make sure it's agreeable on all fronts.

Both Edmunds and TrueCar present offers facilitating low-cost leasing with no-haggle pricing.
This saves you from having to make a trip to the dealership to sign the paperwork, and it also means you won't run the risk of having to sit through a last-minute sales pitch regarding dealer add-ons. If so, please share it using the "Join the Conversation" buttons below, and thank you for visiting Daily News Autos. In an effort to help you understand which parent company owns a particular marque here’s a breakdown of various automotive brands sold around the world. We apologize in advance is you were dying to learn about Hindustan, Lada or Proton but you’ll have to look elsewhere. Sponsor and Prize Supplier shall not be liable to the winner or any person claiming through winner for failure to supply the prize or any part thereof, by reason of any acts of God, any action(s), regulation(s), order(s) or request(s) by any governmental or quasi-governmental entity (whether or not the action(s), regulations(s), order(s) or request(s) prove(s) to be invalid), equipment failure, utility failure, internet failure, terrorist acts, threatened terrorist acts, air raid, blackout, act of public enemy, earthquake, war (declared or undeclared), fire, flood, epidemic, explosion, unusually severe weather, hurricane, embargo, labor dispute or strike (whether legal or illegal) labor or material shortage, transportation interruption of any kind, work slow-down, civil disturbance, insurrection, riot, or any other cause beyond Sponsor’s or Prize Supplier’s control (collectively, “Force Majeure Event”). Entrant waives the right to assert as a cost of winning a prize any and all costs of verification and redemption or travel to redeem said prize and any liability which might arise from redeeming or seeking to redeem said prize. This makes leasing a good choice for those who plan to frequently upgrade to the newest model. If you put lots of miles on your car each year via road trips or a long work commute, leasing may not be ideal.
When setting up a lease, you'll have to decide how much of a down payment you want to make, if any. The reason behind this recommendation is this: If your vehicle is stolen or totaled, you may lose your down payment. Most manufacturers offer basic warranties with three-year protection, though some offer warranty protection for four or five years. Also, the fact that leasing can cost less than purchasing means you may by able to indulge in a model with all the bells and whistles, from the latest infotainment features to cutting-edge active safety technologies.
Many auto manufacturers regularly offer leasing incentives designed to make leases more attractive to shoppers. You've already agreed on the numbers, and now it's time to make it official by signing the paperwork. Sponsor is not responsible for fraudulent calls or emails made to entrants not by the Sponsor. If you want to avoid being surprised or disappointed, it's important to scope out the terrain before charging ahead.
In the event of theft or a total loss, insurance companies reimburse you for the actual market value of the car, and that takes a hit the minute you drive off the lot. US News & World Report offers a monthly look at the best lease deals that can help you weigh your options, and you can research current leasing incentives on Edmunds. Instead of going to the dealership in person, contact each dealership's internet department via phone or email for a price quote. You can either skip negotiating and go with the lowest lease quote, or pit the dealers against each other to try and get an even better deal.
Your job here is to review the paperwork to make sure the numbers match the figures you've agreed upon. If the Sweepstakes is not capable of running as planned by reason of damage by computer viruses, worms or bugs, tampering, unauthorized intervention, fraud, technical limitations or failures, any Force Majeure Event or any other cause which, in the sole opinion of Sponsor, could corrupt, compromise, undermine or otherwise affect the administration, security, fairness, integrity, viability or proper conduct of the Sweepstakes, Sponsor reserves the right, in its sole and absolute discretion, to cancel, terminate, modify or suspend all or any part of the Sweepstakes, and to select a winner from among all eligible entries received by Sponsor up until the time of such cancellation, termination, modification or suspension, as applicable. According to statistics published by Edmunds, a company providing automotive data, new cars depreciate by an average of 19 percent in the first year of ownership. Singles and couples without kids will do fine with coupes, but if you've got kids or plan to have one in the near future, your life will be easier if you select a vehicle with more doors. Once you've gotten a price quote, follow up by requesting a lease quote using the down payment, lease term, and monthly payment that work best for you. Sponsor reserves the right in its sole discretion to disqualify any individual that (i) tampers or attempts to tamper with the entry process or the operations of this Sweepstakes in any manner, (ii) violates the Official Rules, Terms and Conditions or (iii) acts in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person.
Fuel economy should be kept in mind, as you can save a great deal in fuel expenses each year by choosing a vehicle with great gas mileage. If not, have the dealership prepare paperwork based upon the original deal or prepare to walk away and accept your next-best lease quote.
The Sponsor shall have the right at any time to require proof of identity and failure to provide such proof may result in disqualification from the Sweepstakes.
CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. Any expenses and receipt and use of the prize and federal, state and local taxes and fees applicable in connection with the prize awarded are the sole responsibility of the winner.
An IRS Form 1099 will be issued in the name of the winner for the actual value of the prize received. Sponsor or its affiliates may rescind any promotion found to contain such errors without liability at its or their sole discretion.

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