4 THE QUEENS COURIER • SENIOR LIVING • AUGUST 15, 2013 FOR BREAKING NEWS VISIT www.queenscourier.com Simple ways older drivers can save money on auto insurance Are your auto insurance premiums too high? Maybe they are, but not for reasons you might think. Insurance companies aren’t charging you higher premiums because you’re in an over-50 age group. You may be paying too much because you haven’t done anything to lower the cost of your premiums. Check out these money-saving tips - they could be right up your alley. • Comparison shop. You don’t need to stay with the same insurance company senior living forever. Prices vary from company to company. Just be sure you discuss the identical coverage with each company representative. Also, don’t go by price alone. Consider the company’s reputation, customer service and available discounts. Look online at customer reviews to get a better picture. • Combine policies with one carrier. You may save money if you insure all your vehicles on a single policy. Your premium may also go down if you have life or homeowners’ insurance with that company, too. • Consider asking about higher deductibles. In some cases, if you increase your deductible, you could lower your premiums. Of course, that means you’ll have to pay more money out-of-pocket if you’re in an accident. • Take an AARP Driver Safety course. Available both online and in the classroom - in English and Spanish - this course teaches valuable defensive driving techniques and provides a refresher about the rules of the road. When you complete the course, you could qualify for a multi-year discount from your auto insurance company (check with your insurance agent for more details). Visit www.aarp.org/drive to fi nd a course in your area. • Consider dropping collision and/ or comprehensive coverage. It may not make fi nancial sense to pay premiums over many years to maintain collision and comprehensive coverage. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective, according to the Insurance Information Institute (III). But don’t drop your liability coverage, which can help cover expenses for property or bodily damage you cause while driving your car. • Take advantage of low-mileage discounts. Some carriers offer discounts to drivers who put less than a predetermined number of miles on their vehicles each year. If you’re only using your car to drive to your kids’ houses, the grocery store, the mall and the gym, this could be a money-saving opportunity. • Ask about car-safety discounts. Some insurers give discounts for having certain safety devices in your car, such as air bags, automatic safety belts, antilock brakes, daytime running lights, or even an approved alarm system. In addition to lowering your premium, these features will help keep you safe on the road. • If you’re in the market for a new car, consider purchasing a low-profi le vehicle. It’s more expensive to insure a vehicle that’s expensive to repair, popular with thieves or known for not having a good safety record. To fi nd out vehicles’ risk levels, visit the Insurance Institute for Highway Safety website. Everyone’s trying to save money these days. By following these tips, you’ll be in the driver’s seat when it comes to auto insurance premiums. Courtesy BPT Hillside Internal Medicine and Geriatrics first opened its doors in April 2005 on Hillside Ave. in Bellerose. Dr. Thomas P. Mathew and Dr. Wilbert B. Maniego, practicing Internal Medicine and Geriatrics, wanted to provide medical and healthcare services to the community and the surrounding neighborhood. On May 2011, to better accommodate a greater number of people, the office relocated to 915 Hillside Ave, New Hyde Park (right near the corner of Lakeville Road). The new office now offers sub-specialties to include Cardiology, Neurology and Nephrology and hoping to add more in the near future for the convenience of patients. Neurology services are being provided by Dr. Jeffrey Mallin and Nephrology services by Dr. Syed Ali, Cardiology services will be available starting this March with Dr. Satheesh Joseph, Dr. Deepu Alexander and Dr. Dhaval Patel. The office accepts most insurances and is open Monday-Friday from 9:00am-6:00pm and on Saturday from 9:00am-2:00pm. HILLSIDE INTERNAL MEDICINE & GERIATRICS DR. WILBERT B. MANIEGO & DR. THOMAS P. MATHEW 915 HILLSIDE AVE., NEW HYDE PARK, NY 11040 tel: 718-343-7600 fax: 718-343-7603 [email protected] www.hillsideinternalmedicine.com THE SOUNDS OF SUMMER ARE HERE Call today to schedule an appointment 516.708.4844 COMpliMENTARy gbaudiology.com consultation and free clean & check of existing hearing technology. Expires 8/31/13. PLLC st of the 2013 THE QUEENS QueensCourier.com Place $500 TRADE-iN CREDiT toward the purchase of an AGX5, 7, or 9 hearing system. Expires 8/31/13. 107 Northern Blvd, Ste 309 • Great Neck, NY
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