Great Second Date Ideas

So you made it through the first date and are looking to schedule a second one. The awkwardness of meeting up together perhaps alone for the first time has past now it is time to dig a little deeper. First dates tend to involve coffee, food, little alcohol, etc.. Basically, the purpose of the first date is just to get to know a little bit about one another and to test the waters. The second date should involve something a little more fun than just food but not too much fun that you scare them away. According to an article on Marie Claire no one likes making reservations so let’s skip the dinner and a movie for the second date. How about visiting some wineries for some wine testing or renting bikes and going for a ride together? What about visiting a local haunted house or going to an outdoor public pool after hours once all the little kids have gone away? Better yet, Stylecaster suggests you go to an amusement park, horseback riding, paint balling, making martinis together or seeing a show or a concert.

If you have opted for a concert than StubHub has got you covered. You will find all types of concerts in your area when you visit StubHub and with their partnership with Groupon Coupons you will also be saving money on that second date which you can save in case you get a third date.

Visit StubHub today and get ready for a thrilling second date that will surely lead to a third and possibly fourth date. Not so fast there! Be sure to visit Groupon Coupons first for money saving promo codes and coupons. Use this promo code and enjoy $20 off your order! Act now and get huge savings on sporting tickets. Searching for more savings? Act now and smile when you get those second date concert tickets for less with this promo code. See Ed Sheeran with a discount when you purchase your tickets with this coupon. Enjoy Hamilton at your local theater and save more when you use this promo code. Make your second date special with theater and comedy tickets and save too when you use this code. See San Francisco and save when you use this promo code. Got a change of plans? Use this coupon and save on last minute deals. Enjoy Red Hot Chili Peppers for your second date and save too when you use this code. From enjoying saving on John Mayer live tickets to discovering Lollapalooza deals you will always be saving when you visit Groupon Coupons first.

Treat your date to something special the second time around when you go to see a concert together.  Use StubHub with Groupon Coupons to save yourself some dough that you can relocate for the third date in case you are lucky enough to get a third one that is.

Why Reports Are So Important to Your Business

In big corporations, you can often feel the tension in the air as the month begins and the reports from the previous month are do. Compiling all the information, presenting, and analyzing it seems to take up so much time and effort for the average project manager or analyst. Well then, why do we do it?

Gathering data and creating reports gives a clear snapshot of the activities which have gone on in the last period of time, whether that be an hour, day, week, month, or year. This information can be used to make decisions in the present and future, track the success of certain actions or changes, or just be able to predict annual trends.

However, putting all the information in one report is very difficult to do, and that’s why most business owners decide to break them down into categories and assign them to people who are most acquainted with the information or might have an insight as to why the numbers present what they do. Small business owners might have to run all of these on their own, however the time spent creating and analyzing these reports are a worthy investment of your time.

What sort of reports should you be running? Here’s a starting point:

  1. Sales: This is a parameter that business owners most often want to see. However, let the final numbers distract you. Look for trends like popular items, ones bought in conjunction with others, decreasing popularity, and opportunities to capitalize on success and tweak things to make underperforming areas better. With online sales becoming an important part of many retailers, see where the purchase was made and the circumstances under which it occurred.
  1. Inventory Status: Regular reporting on inventory is important for maintaining a reliable company. Whether these are products you are selling or materials you need for your production to keep your business running like a well-oiled machine, you’re going to have to have a good handle on your inventory. Over-ordering could mean paying extra for storage or having to later resale at a discount because of difficulty in getting rid of it. On the other hand, ordering not enough stuff at a time means that you could run out, affecting the reliability of your company and possibly resulting in loss of profits. Also, bigger orders often have a discount, so you don’t want to be making a lot of small orders…As you see, there is a lot to think about, but knowing what your levels are at all times keeps you from running into any issues.
  1. CRM: Customer Relationship Management software is used to track many things, but mostly the buyer’s journey. It tells the story of how the customer first came into contact with the company, which marketing campaigns he or she has been exposed to, purchases made, details regarding communications, and more. Creating detailed reports of your CRM will give your marketing and sales staff a lot of information to work from. They will have more information about the consumers, what they are interested in, where they live, and be able to use this to create more effective strategies for remarketing and for capturing similar clients.
  1. Accounting

Unless you are a bookkeeper, chances are that keeping books is the most dreaded part of your business. Making sure that all your incoming and outgoing numbers are properly categorized, recorded, and reported can be a dreary and sleep-inducing job. However, this is where the real health of your business is measured. Unless you create these reports, you won’t have a true understanding of your profits or losses, meaning you could be in the middle of a financial rut and not even know about it!

Though reporting can seem like a full-time job, there is software out there that easily generate reports on Sales, purchases, Inventory status, CRM, Accounting, and much more. Find one that helps you reap from all the benefits of reporting without feeling the full brunt of the work.

Importance of Litigation Lawyers for Your Business

Whether you have your own business or are involved in business processes of another company, conflicts are normal. In case of conflicts, commercial litigations play a key role. To resolve your legal issues, employ services of a local law firm. For example, if you live in Montreal, you can contact a law firm located in Montreal and specialized in real estate and in commercial litigation.

For most companies, the point of conflict roots from financial problems, or those involving property or contract. However, any commercial litigation entails legal matters that can be taken to court. Especially for bigger conflicts, businesses and individuals are advised to employ services of a commercial litigation lawyer.

If you take legal matters in your own hands, it could be risky. It can cost a lot of money to you and your company. The more practical decision would be to consult a specialized lawyer. He could even help you get a settlement contract outside the court of law.

These commercial litigation lawyers assist those who are involved in severe legal matters. Most of them try to resolve the legal dispute out of the court and suggest an agreement that both parties would agree to. All of these happen even before the accused business has to present before the court.

When the problem is taken to court, resolution takes a lot of time. Settlements are more efficient and quicker. Both parties appoint their lawyers to handle the case and figure out what is best for them. If both parties can agree to the terms suggested by the lawyers, they can save themselves from a lot of hassle. Staying out of court also saves a lot of money.

It is wise to rely on authentic and experienced commercial litigation lawyers who are great at handling such issues. They will resolve it while keeping both legal aspects and interest of the business in mind.

Many businesses benefit from involvement of litigation lawyers. Newly incorporated firms enjoy advantages such as benefits of different tax breaks. They often hire professionals to ensure all the processes are completed correctly. Litigation attorneys would be the best option for this job.

Another common area of action for these lawyers is real estate. They handle land acquisitions and company mergers, as both are sensitive areas. You can resolve issues quite easily with the help of an experienced lawyer who has the right skill set and knowledge for this job.

In addition to the aforementioned applications, commercial litigation lawyers usually have experience in representing their individuals for construction disputes, employment disputes, breach of contract, litigation oversight, product liability, general civil litigation, insurance coverage litigation, appeals and appellate review, business interference, business torts including restrictive covenant disputes, unfair competition, trade secret disputes, etc.

All businesses require such services at some point. They might have to contend with some kind of commercial litigation. When that happens, a huge amount of stress is exerted on those who are involved. One of the biggest impacts of this is seen on the company’s financial performance.

To ensure that the company runs smoothly even during legal proceedings, it is important to select legal representation carefully.

It is surprising that many people choose non-specialist legal representation for serious disputes. Even though they are able to handle litigation issues, they are less qualified than specialist commercial litigation solicitors. They have lower success rates and failure can lead to huge loss for your company.

Therefore, it is best to spend some money on a specialized litigation lawyer, as it will help prevent your company from losing money in the future.

What to Look for in Your Car Mechanic

Finding a good, trust-worthy car mechanic is like looking for a needle in a haystack these days. Unless you grew up with a friend who now has his or her own garage, you are left at the mercy of anyone with an auto mechanic license. This person not only diagnoses the problem and fixes it, but also is the one who writes the invoice, meaning that he has full control of not just your vehicle, but your wallet as well. A bad mechanic can either not take the time to properly find the issue and jump to expensive conclusions, or even switch things out that weren’t necessarily broken, just so that he can charge you for it. But enough of the horror stories, we’re all scared as it is.

What this means is that it’s time to find that one in a million mechanic. (And treasure him when you do)!

  1. Ask for Referrals

Your network of friends and acquaintances is a good place to start. They are sure to have their fill of terrible experiences, but maybe someone will let you in on a secret source of great auto service. Just remember, if it’s a secret, it’s a secret, you gave your word! When you meet the mechanic for the first time, remember to mention that you were referred to his garage by a friend. Who knows? You might get even better service as now he has a reputation to uphold while your friend might score a discount in the future. It’s a nice little thank you for the tip!

  1. Check out their Garage

Though garages don’t quite hold the same sanitary or aesthetic standards as a salon, there is a lot that the state of a workshop can say about its master. Is all the equipment stored in an organized fashion? Are there clipboards with paperwork being filled out on the go? Are all those working wearing the proper safety equipment needed for the job? If you feel unconfident judging this on your own, ask a more experienced friend to come along with you.

  1. Look for Certificates

Car have been evolving since they have been invented, with newer and better models coming out every year. So if the car industry is introducing new technology like hybrid electric vehicles, wouldn’t you think that mechanics should be constantly learning new things as well? If you don’t see evident proof of continuing education, ask about it directly. Inquire about new tools of the trade and whether they are being employed here, how often staff is trained, and what’s their source of the most current information regarding their industry. Just like you won’t choose a dental clinic which uses plain plier to yank out teeth, but instead choose a dental clinic that invests a lot of time to learn new dental skills, you shouldn’t pick a mechanic that uses old technology. Though the pain of an old-fashioned dentist might be different than that of an old-fashioned mechanic, both have health and safety concerns that need to be addressed.

  1. Good Communication

Once you think you have found “the one”, it’s time to see whether or not you were right. Testing communications skills is the last step before being able to gloat about how amazing your mechanic is. When you leave your car for a fix, see how well the mechanic communicates throughout the process. Does he call you once the problem is diagnosed with options for you to decide one? Does he call to let you know when it has been resolved and ready for pick up? How close was it to the estimated time he gave you initially? Once you arrive, does he go over the invoice with you, explaining all the costs? If so, you are truly blessed, because it looks like your mechanic is one of the good ones.

Being a good mechanic is about more than just being able to replace the brakes in a car. He should be valued by his current customers, have a well-kept garage, be constantly looking out for the newest and greatest new things, and communicate well with his team and clients. Once you have tracked down a good mechanic in your area, be sure to treat him or her right- it’s worth it!

5 Things you Should be Maintaining Weekly

If you feel overwhelmed by your daily to-do list and can’t imagine where you could fit in “regular maintenance”, you’re not alone. So many people feel like they are falling behind on things that should get done, often sacrificing it for things that have to get done. However, if we make a commitment and get into the habit of making time once a week to maintain regular, everyday things, then that ends up on the “has to” list and will finally get done. These are some basic tasks that you should be tacking onto your weekly “to-do’s”

  1. Your Car

It’s easy to fall into the mindset that if you change your car’s oil when the sticker tell you to, you’re better than fine. The truth is that a car runs on more than fuel and oil, and it will need proper maintenance to service you properly for years to come. Though no one has time to do a full check up on a weekly basis, it’s a good idea to at least check your tires’ pressure weekly, along with an exterior body check. Take a few minutes to give your car a once over, checking for any scratches and dents that could have occurred over the last week, cracks in mirrors or windows, and signs of paint chipping or rust. These are things that should be dealt with, or at least recorded, as soon as possible. Every few weeks, check your fluid levels, the functioning of all your lights, and the battery. To keep your car looking fresh and new, vacuum the inside, wash the outside, and rinse your rubber mats. This way, your car will retain good resale value, as it will look newer and in good shape, no matter the age.

  1. Your Bicycle

More and more people are beginning to use their bicycles to get to work and run errands, especially in urban areas. Some of these people think that because it’s not a car, their bicycle requires no maintenance. And though it definitely has fewer things that can go wrong, a bike still needs to be properly and regularly maintained, especially when it is used often. On a weekly basis, it’s important to check the pressure of your tires. Having fully inflated tires means that you will have an easier time getting around as you’ll be putting in less effort and moving faster. Isn’t that great? Another simple thing you can do, even if you are not mechanically inclined, is to keep all the bicycle’s moving parts clean. Use an old t-shirt or a soft rag to remove any dust or small particles which could be trapped in the chain or gears. Then get a few drops of WD-40 or any cleaner on your rag to remove any rust and resistant dirt which might still be on there. To top it off, spray some rust resistant products to keep the chain from being affected by water, and then lubricate as necessary. The cleaner the bike, the smoother your ride.

  1. Filters Around the House

Some of us don’t know (or pretend not to) that there are several different kinds of filters in a home, all of which need to be replaced at one point or another. Depending on the type, these filters need to be replaced monthly, quarterly, annually, or every few years. However, most of us don’t even check up on, not to mention fail to replace, filters in the kitchen hood, the HVAC, the water tap, or around the drains in our bathrooms. Make a list of filters which need checking, cleaning, or replacing, and make a point of addressing at least one filter a week. It will make for a cleaner and healthier home.

  1. Dishwasher and Laundry Machine

Home appliances all have different roles in our lives and require different maintenance to keep in top shape. However, some require weekly attention in order to do their job properly. Any appliance which is supposed to clean something, like the dishwasher or the laundry machine, should be clean itself. Far too many people make this an annual occurrence, but frequently cleaning out your washing appliances is not just good hygiene, it’s common sense. Once you empty the dishwasher drain from any gunk you may fund, run an empty dishwasher cycle with some baking soda and a cup of vinegar to get all your racks and dishwasher walls nice and clean. With your laundry machine, also apply a baking powder and white vinegar treatment, but before you turn on the hot water cycle, soak and scrub any removable parts and wipe down the exterior with a cloth. After you run the washer, wipe down the inside drum with your cloth and a little vinegar, and voila, you’re done!

  1. Your Skin and Hair

Finally, we can get so caught up maintaining all of your major appliances and assets, that we forget to spend some time on maintaining ourselves. Regardless of whether you are a man or woman, it’s important to set some time away weekly for personal maintenance, which includes taking care of your nails, skin, hair, and body. Schedule a massage if you are feeling tense or are in pain, or benefit from a glycolic peel to exfoliate a thin outer layer of dead skin cells, eliminate impurities and tightens pores. Don’t ignore or forget about scheduling time for your body, because proper maintenance means better health, being more in tune with yourself, and respecting all that your body is and can do.

Take care of it, and it will take care of you. Though it’s not always the case, in general, regular maintenance protects your investment, keeping your possessions and yourself in good shape for a healthier and safer life.

5 Reasons to Treat Your Car as if it Were a Pet

Owning a car is a great responsibility. Though a car isn’t a live pet, both a dog and a car have needs that need to be met in order for them to stay in top shape. We’re not saying that you should start taking your car to a parking lot to mingle with other cars, or make sure that he had sufficient petting and affection that day, but there are certain parallels which one could draw from this analogy.

  1. Going to the Vet vs. Going to the Mechanic

Though you would obviously take your dog to the vet if there was something wrong with it, most frequently the reason for the visit is a checkup and to update vaccines. Too often, we think that cars only need to see their “doctors” if they are broken and need to be fixed. The truth is that they need regular maintenance to keep them from falling into disrepair and a regular tune up and evaluation is a good place to start. Just like the only way to know whether you have an STI is to have a screening test done, the only safe way of finding out that there’s something off with the inner workings of your car is by taking it to the mechanic’s. He or she will give it a checkup, top up the fluids, see if the brakes are wearing out, evaluate the condition of certain important components, and give recommendations from there. It’s much better, and more pleasant, to find out that your car’s battery can’t hold a charge at the garage, rather than on the side of the road, far from home and cell phone reception.

  1. Grooming your Dog vs. Caring for the Exterior

Regular grooming ensures your dog’s fur is in prime shape by redistributing natural oils, removing dirt and dust, as well as promoting circulation. You might not give it a lot of thought, but the exterior of your car also needs some TLC every once in a while. Regularly washing and buffing it keeps dust and dirt from coating your car and potentially leaving microscratches. If you see paint flaking, it’s time for a paint job. It won’t just improve the appearance of your car, it will protect it from rust.  Invest in the coating of the body and underbody of your vehicle, and it will be years before you see rust, even if you live in a climate in which rain, snow, and salt are an issue.

  1. Choosing a Good Diet for Your Dog vs. Good Fuel for Your Car

Why are there so many different types of dog food? It’s because the quality and content of these foods vary from bag to bag. Depending on your dog’s particular needs, the vet might suggest a certain brand or blend over another because it promotes healthy skin and fur, controls weight, or delivers minerals or nutrients the pooch is lacking. Cars also have different needs and therefore need to be “fed” according to them. If you have a turbo engine, you’ll be actually ruining it by pumping low quality fuel into it, while if you are driving a beater, there’s really nothing that the “platinum” octane blend will give you. Do some research about the kind of fuel you should be putting into your car for a high-quality ride and longevity.

  1. The Dog House vs. the Garage

Regardless of whether your dog spends most of its time outdoors or inside your house, it has a place to call its own. It might be a little dog house or a big pillow in the corner of your bedroom, but Max can feel safe and secure in it. Your car has similar needs. If you are looking to have a highly-functioning car, you are going to need to provide a proper home or shelter for it. It might be a garage space, car park, or even a spot on the driveway, but it needs designation. Parking on the street puts your car at a higher risk of being hit by other vehicles, being towed, or even being splashed by the street cleaning vehicle.

  1. Go Out for Walks vs. Taking the Car for a Spin

No one really condones going out for a daily pleasure car ride unless you catch a commercial from the 1950’s. However, if you don’t use your car regularly or have it in storage, it’s important to make sure that you start it and take it for a spin before you plan on using it again. Otherwise, your car battery could run out, your tires could get flat without you noticing, and rust could spread. If you aren’t around, ask a friend or family member to give your car a joy ride every once in a while, just like you would ask them to walk the dog. Different reasons, but the same concept.

As you see, having a car and a dog is quite different, even though there are many parallels we can draw between them. However, one thing is for sure. If you want your car to outlive your Yorkie, you’re going to have to start treating it better, starting by changing your perspective on what it means to have and commit to a car.

How to Lose Weight Without Losing Money

You don’t have to stretch your imagination to understand why people think that transitioning into a lifestyle which promotes weight loss comes with a price tag. We are bombarded with advertisements from “magic supplements”, online exercise programs, and gyms looking to fill their capacity. Stores feature expensive products which are natural, organic, promote weight loss, or “healthy” options, making the rest of the store look much more affordable by comparison.

However, committing yourself to a healthy lifestyle doesn’t have to mean looking for a higher paying job to cover new expenses. There are plenty of ways to lose weight without losing money, and in some cases, you will find that you are cutting costs.

  1. Determine the Root Causes

There’s always more to the weight gain story than, “I got hungry”. Long-term weight loss success comes from identifying the root cause beneath the lifestyle choices that lead to weight gain, whether it’s stress, loneliness, boredom, lack of knowledge, or lifestyle. Determining this doesn’t need to be expensive, and you might be able to pin the problem right away. However, if you need more coaching and lessons in mindfulness and meditation, sign up for a few sessions, and go from there.

  1. Stop Eating Out

Everyone eats out for different reasons, whether for social interaction, exposure to new cuisines, entertainment, convenience, or need. However, by cutting down the number of times you eat out in a month, you won’t just be pocketing the savings, you’ll be cutting down the calories ingested as well. At first you might be surprised by the increase in your grocery bill, but remember that you are feeding yourself and your family and providing them with healthier, portioned meals at least three times a day. It won’t take long for you to see the savings, and your waistline will start shrinking without any extra effort. You have full control of what ingredients go into your meals, how much sugar, fat, and salt is used, and how big the resulting portions will be. It might be difficult at first, but you’ll start enjoying and even taking pride in your creations sooner than you think.

  1. Always be Prepared

Adopt the Boy Scouts’ motto for your own and always “be prepared”. Many times we find ourselves betraying our new lifestyle because a meeting ran late, you missed the train home, or you didn’t pack enough food for your meal. Now you’re hungry, cranky, and the only options you have come from a food court or a vending machine. Not only are the options usually full of sugars, fats, chemicals, and other junk, but also expensive. You are paying for the convenience of the food or drink being in close proximity when you need it, and now you are being suckered into paying 2 or 3 times its value. To protect yourself from such situations, always have a few healthy options on you at all times, like a natural granola bar, a Ziploc of raw nuts or some dried fruit. You won’t be ruining all your efforts and you will have full control over how much you spend.

  1. Start Moving

Weight loss involves a positive change to your mindset, your diet, as well as your level of physical activity. If you are on a tight budget and can’t commit to fitness classes or afford gym fees, find ways to be active for free. Take the stairs at work instead of the elevator, speed walk around the park at lunch, cycle to work, or incorporate a morning jog into your routine. Getting your heart pumping and your muscles moving doesn’t have to be expensive or even cost anything at all. Challenge yourself to find ways to incorporate physical activity into your day, whether it means walking your elderly neighbor’s dog in the morning, meeting your friend for a cycle on a local trail instead of for drinks, or trying the free yoga lessons in the park as you return from work.

Losing weight doesn’t mean you have to rework your budget to accommodate for your new lifestyle. Start your own healthy revolution today without upsetting your finances. Who knows? It might even save you a few dollars every month!

Day Trading Chat Rooms

If you plan on doing any day trading, you will want to find a couple of good chat rooms to visit daily. You will want one that appeals to you, is casual but yet informative. If you are new to day trading, you will want to feel comfortable asking questions but you will also want posters to be experienced enough to give you solid advice. Here is a list of 3 of the best chat rooms for day traders that meet 3 very different day trader needs:

Warrior Trading

Arguably, the best chat room out there for day traders. Warrior Trading hits all the right buttons. It is friendly enough for newcomers to day trading but has some of the best, most experienced day traders on the planet as frequent posters. In addition to the abundance information that can be learned from the chat room when you sign up for Warrior Trading’s chat room you also get 5-10 day trade alerts per day; 3-5 swing trade alerts per week, a daily hot stock watch list; and text, email and chat room alerts. You can find their chat room here:

Huffington Post

Okay, this is not to a chat room to get day trading information exactly, you should get that at Warrior Trading, but the Huffington Post chat room is a great news based chat room. You will pick up a lot of news stories here before they hit your television screen or newspaper. This is a great place to get a jump on the news stories for the day. All day traders know that information is the key to making money day trading. Here is the link to the Huffington Post news chat room:

Healthy Living

Now that you have your trading information chat room and your news source chat room you need to remember that your day trading results will suffer if you do not take care of your mind and body. So many day traders fall into the habit of spending their days and nights staring at nothing but computer screens and spreadsheets. This leads to burnout and mental fatigue. You need your body and your mind in the best shape possible if you want to be in the best shape to make money day trading. The Healthy Living chat room is a friendly reminder to take time every day to care for yourself, your mind, and your body. Your bottom line will thank you for it. Here is the link to the Healthy Living chat room:

What chat rooms are your favorite? We’d love to hear about where you find inspiration and information. Please share your favorites in the comments section below.

Do Not Let These Five Reasons Make you go on a Spending Spree

Sure it is fun to go shopping and leave with bags in hand, but it is no fun getting the bill later, especially if you cannot pay the entire balance off at once and it rolls over to the next month with interest, digging yourself deeper in debt.  For those that have a shopping addiction typically do not need any extra incentive to go on a shopping spree, but there are a few reasons that can sway the average spender.

Stressed Out

When you are feeling down the first thought may be to go shopping to get rid of the blues, but fight temptation and put stress into working out, as the extra shopping bills will drain your account and raise your credit card debt, only to leave you sad again when it comes time to pay.

Peer Pressure

Whether it is shoes, a car, house, no matter what the item is, we want to keep up with our peers, but do not let that influence get you to live beyond your means.  Stay within your budget and you will be able to treat yourself to the finer things in life when you save up.

Put it on a Credit Card

If you want an item and do not have the money for it, an instinct will be to put it on a credit card and worry about it later.  Sure it may work once or twice, but getting used to that mentality will only make things worse down the road and you will continue to live beyond your means, amounting to loads of credit card debt and no savings to show for it.

Running up a balance on your credit cards usually runs into overdraws, late payments, and the late fees and poor credit that goes along with all of that. This will lead you down the road of learning how to remove late payments from credit report agencies databases. Probably an additional hassle you want to avoid if possible.

Trying to Please

We want to make other happy, especially a spouse, friend, or family, and what better to show our love with gifts, but buying love only is short term, and with potentially long term effects on personal debt.  You are not thinking about finances when overspending, and could even ruin a relationship, which according to a survey by GOBankingRates, overspending was the biggest financial deal breaker in a relationship.

Falling for an Unneeded Sale

Black Friday for example is a great tactic by retailers to get people in the store, and it works, with record crowds.  Stay away from sales, as you will be more tempted to buy items because they’re on sale, not because you need them.

Do You Have to Sacrifice Fuel Efficiency for Lower Insurance Premiums?

You want to save money and help reduce greenhouse gases so naturally, you are in the market for fuel-efficient vehicles. The good news is that there are more cars and trucks designed for fuel efficiency than ever before, thanks to the growth of hybrids and advanced technology. The bad news is that many of these are in the luxury category, which tends to attract higher premiums. On the other hand, gas guzzling SUVs are rewarded by many insurers, but use large amounts of energy and create significant emissions. Do you have to choose between fuel efficiency and affordable auto insurance?
Vehicles with Low Insurance Premiums
If you like piling the entire family into a huge SUV or minivan, such as the Toyota Sienna, your insurer will reward you with lower premiums. These cars suffer less damage when there is a collision, and tend to be easy and relatively inexpensive to repair. Since many of these vehicles are created with families in mind, they have additional safety features which also score brownie points with insurance companies. The downside is that these are the vehicles which are avoided by those who are concerned about the environment and about paying high prices at the pump.
Vehicles That Save Fuel
The advent of hybrids has been a boon to green-oriented drivers, but they require a significant investment. These cars tend to be priced higher and they also command significant premiums. In addition to luxury cars that are not commonly owned and require specialty parts, hybrids have a complex structure that makes them more costly to repair, and therefore, more expensive to insure. In addition, smaller engines are more fuel efficient, but the smaller the car, the less well it may fare in a collision, and therefore, premiums will be higher.
Finding a Compromise
You don’t have to give up energy efficiency to save on auto insurance or vice versa. It helps to look at premiums in your area on certain brands and models and make another list of the most energy-efficient cars. By comparing the data on both lists, you will be able to identify cars that are energy efficient and carry reasonable premiums. The U.S. Department of Energy has a resource that can aid in identifying energy-efficient vehicles.
There are a number of cars that fare well on both lists. A Ford Escape non-hybrid represents a fair compromise between inexpensive insurance and fuel savings, as well as the Chevrolet Silverado. You can find your own fair compromises through cross-referencing, and may come up with a few surprises. In addition, keep in mind that your auto insurance premium quoted may not be the last word. There are ways to negotiate lower premiums, such as through taking a defensive driving course, having past fines and tickets removed from your record, driving less than the national average and searching for insurance discounts.
While there are some crucial choices to make in the search for an energy efficient car with affordable insurance premiums, it is not too difficult to find vehicles that meet both criteria. Buying a hybrid car isn’t the only way to save on fuel and to cut down on carbon emissions. You may find a car that fits fuel and affordable insurance standards and drives like a dream.

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