Geico Teacher Discounts – Is That an Option?






Teachers often work hard, without much reward; however, there are special teacher discounts through various businesses that help to reward hard-working teachers. In addition to certain bookstores and other teacher-related discounts, some insurance companies offer special rate discounts for auto insurance to teachers.

Geico is a company that offers discounts to military personnel, government workers and other affiliated organizations, as well as, rate discounts to teachers and a free quote to teachers, as well. In addition to Geico offering special discounted rates to teachers (and a free quote); educators and teachers are eligible for other discounts due to particular circumstances, as well.

Safety Discounts for Teachers (and others)

Teachers or other individuals who have certain safety equipment on their vehicles can qualify for a discount on auto insurance at Geico.

Safety Equipment that qualifies for a discount can either be installed or come standard with the vehicle and includes:

*Air bags

*Anti-Lock Brakes

*Security System

*Daytime Running Lights

For instance, if a teacher (or policyholder) installs driver-side air bags they can save up to 25% on their premium or 40% off their premium rate for having full front seat air bags, as well. In addition, those who have anti-lock brake systems installed on their cars may receive a discount of 5% off the collision portion of their premium. Policyholders that have vehicles with a security system or theft-deterrent system could help policyholders become eligible for a 25% discount off the comprehensive part of their bill. Drivers with daytime running lights will also be eligible for a 3% discount off their premium, as well.

Driving History Discounts

Teachers (and other drivers) who have been accident-free for at least five years are eligible for a 26% discount. In addition, teachers who drive safely by buckling their seat belts will receive up to 15% off of the medical portion of the personal injury protection (PIP) of their coverage.

Geico Customer Loyalty Discounts

*Multi-Car – insuring more than one car with Geico is a great way for teachers and educators to receive 25% off on their car insurance bill.

*Multi-Policy – teachers who have more than one insurance policy through Geico are also eligible for a discount on their car insurance.

*Renewal Discount – teachers who have remained loyal to Geico and retained coverage for several years may also be eligible for a discount up to 30% off.

Geico cares about our students’ education, as well, which is why they offer a good student discount. This program rewards full time students (between the ages of 16 to 25) who get good grades. Those who have proof of an excellent academic record (at least a “B” average) will receive an additional 15% off certain coverage policies.

Teachers aren’t nearly appreciated enough, however, these money-saving options from Geico allow teachers to reduce the cost of their premiums and receive other discounts, as well. Geico provides great rates for teachers, a free rate quote and many more discounts to keep insurance costs low.




Jaguar XJF Auto Insurance






The Jaguar X-type has a powerful engine, sleek styling and a coupe-like feel, but many recent or prospective owners may wonder about the concept of insuring a Jaguar XJF. In this article, we will explain the ins and outs regarding Jaguar XJF auto insurance and how to save money insuring any Jag, as well.

The X-type is not just a stylish, high-performance car, but it’s also reasonably priced, as well, which helps to keep the insurance costs low. The price of the car affects the rate, therefore, if the car is more expensive – the rates will be higher or if the car is less expensive – the insurance rates will be more affordable. The X-type has been priced for the masses; therefore, the insurance rates are lower than most other luxury cars and are the most reasonable Jaguar, as far as insurance costs are concerned. The Jag XJ series, however, is the most expensive car from this company; therefore, the insurance cost is much higher for the XJ model.

In order to get the best rate for any Jaguar model, it helps to do some comparison-shopping prior to choosing an insurance company. The reason for this is that the rates can vary dramatically according to the company, so it’s best not to go with the first company that provides a quote. Rate comparison is even easier now, with the barrage of side-by-side rate comparison websites online. 

Tips for Saving Money on Jaguar Insurance

*Beef Up Security. In order to get a lower premium, it helps to increase the security of the luxury vehicle by purchasing an insurance-approved immobilizer system or car alarm to lower the risk of the car being stolen or being damaged. In addition, parking the car in a safe place at night helps to keep the premiums lower, as well.

*Increase the Excess. Paying a higher excess amount (in the event of a claim) will help to lower the monthly premiums, as well. However, it’s important when increasing the excess, to set the amount at an affordable level.

*Drive Less. Fewer miles can help to reduce the cost of coverage for a luxury car. It’s important to note that the insurance company should be aware of any reduction in mileage in order to approve the lower rate.

 *Bare Minimum Coverage. Try to avoid unnecessary add-ons, if the policy covers only the minimum coverage required by the state, the premium will be lower.

There are several ways to save money on luxury car premiums, such as the Jaguar X-type. In addition to the tips, above, it’s also helpful to practice safe driving and stay on top of credit issues to keep the premiums low. As always, when shopping around for auto insurance, it’s important to understand that the value of the car affects the rate of the premium, as well as, any possible safety risks. While the XJ-series is more of a luxury model, the cheapest Jaguar insurance is for the X-type, which is a reasonably priced sedan-style Jag. In addition, comparing rate quotes is a proven method for getting the best (and cheapest) Jaguar XJF auto insurance.




Cheap Honda Pilot Insurance – Where to Find it?






The Honda Pilot scored remarkably high in crash tests (five out of five stars in side and frontal impact testing), so it makes sense why this vehicle is a great car to buy. Finding a good deal for Honda Pilot insurance shouldn’t be too tricky either. In the following information, we will discuss why Honda Pilot insurance is cheaper than most options as well as, the best ways to find cheap Honda Pilot insurance.

The Honda Pilot is one of the safest cars on the market because of the various safety features and high crash test ratings, so this car is not only safe to buy, but insuring this vehicle will be cheaper than most. The Pilot is equipped with airbags (front, side and head), rear head restraint, dynamic head restraint, seat belt tensioner, 4-wheel anti-lock brakes, electronic stability control, traction control and daytime running light safety features. Therefore, because the cost of insurance is dependant upon the safety of the vehicle — the Honda Pilot is cheaper than most because this vehicle is less likely to be involved in a car accident, which results in lower insurance premiums.

The Honda Pilot is also a very practical vehicle, which helps with the cost of insurance, as well. Many other cars feature extra enhancements or added upgrades that may make the vehicle more dangerous to drive, which increases the cost of insurance. However, the Honda Pilot is designed to do what it is supposed to — safely transport its passengers to their desired location. Therefore, the rates are lower for this reason, as well.

In addition to the safety and practicality of the Honda Pilot, the insurance company also considers a few other aspects when determining the rate. A person’s credit can increase the rate if their credit is poor. So, when a person works to improve their credit (and credit score), it helps to lower premiums considerably. In addition, a bad driving record can increase the premium, as well. (Tip: Defensive driving courses can be taken to eliminate points that have accumulated on a driving record.)

When insuring a Honda Pilot, the rates can vary drastically from company to company. Of course, it’s important to save money, so it’s a good idea to shop around for the best quote.

Each insurance company uses a different method to calculate their rate; therefore, the best way to get the best price for Honda Pilot insurance is to compare quotes from several different companies. There are multiple ways to get an insurance quote for a Honda Pilot including, visiting the local office, calling customer service, visiting the company website and requesting a quote (national companies, only) or individuals can receive a rate comparison by entering their personal information into a websites that offers side-by-side rate comparison. Each of these methods is helpful in shopping around for the right price for insuring a Honda Pilot.

The cheapest price for Honda Pilot insurance can vary according to many different factors ranging from the driver’s location, the year of the vehicle, and a person’s driving record and credit score, as well.




Multi User Discounts for Geico Auto Insurance






Car insurance is expensive, so saving money in any way possible is always good. Geico offers multiple discounts to help car owners pay their premiums. Geico is well known for offering discounts to its customers ranging from good driver discounts and fixed premiums (five+ years accident free), driver’s education discount, federal employee discounts and discounts for policyholders who are insuring more than one car. In the following information, we will explain more about this discount from Geico.

Geico has been in business for more than sixty years and since its start in 1936, Geico has been saving drivers a lot of money. The founder of Geico, Leo Goodwin believed he could start a company that sold insurance to particular groups of people. Therefore, he began Geico Insurance Agency Inc. as a government insurance agency (Geico stands for Government Employee Insurance Company) that was targeted towards providing insurance to government employees. Goodwin was able to keep the management costs low and therefore was able to offer the lowest rates, possible to government employees. Now that Geico is open to the general public, these savings continue. Geico values their customers, so it makes sense why they would want to offer multiple discounts to their loyal customers. Loyal Geico customers can include those who are renewing their policy (eligible for a 30 percent discount), those who have other policies through Geico (homeowners, boat and life insurance and more) and other loyalty discounts.  In addition, Geico offers a 25 percent discount to policyholders who insure more than one vehicle through their company.

Naturally, insurance companies try to drum up as much business, as possible. Geico is no different, because they want their customers to continue to do business with them, which is why they offer the multi user discount for drivers who insure multiple cars. Someone who receives discounts for insuring multiple vehicles will be more interested in staying with a particular insurance company rather than getting coverage through any of the competition. Many times, insuring two cars with Geico is even cheaper than insuring each vehicle under its own separate policies.

There are certain specifications in order for individuals to receive this special multi car discount. However, rather than popular believe, there are no special relationship requirements for drivers to take advantage of the multi car discount from Geico; therefore, policyholders do not need to be family members or married to each other to insure both cars through the same policy and receive the discount. However, it is required for individuals who are insured under the same policy to be living at the same address.

The multi user discount is one of the many money saving options found at Geico Insurance Agency. Individuals who are hoping to save money on car insurance should consider insuring more than one vehicle through Geico to receive 1/4 off of their insurance premiums. In addition, other helpful discounts include special rates for military employees, air bag discounts, seatbelt discounts, over 50 discounts and more.




Bad Driving Record and Car Insurance Rates






A number of different factors can affect car insurance premium rates including an individual’s credit history and driving record. While having a good driving record can help people receive cheaper rates or even discounts, a poor driving record can adversely affect a person’s rate or their ability to become insured, as well.

The Department of Motor Vehicles (DMV) uses a “point” system (that varies from state to state) to track a person’s driving record. Typically, each violation is assessed a point value and when a driving infraction occurs, the person at fault gets a certain number of (correspondent) points to their driving record. The more points a person accumulates, the more insurance companies will view the person as a “risky” driver (and risky to insure, as well).

Depending on the amount of driving offenses and the severity, some individuals with a bad driving history are often denied coverage from certain insurance companies. Most auto insurance companies assess the applicant’s driving history to determine the possible risk to insure the auto owner. If the risk to insure the applicant is too high, the application will be denied by the insurance company. While many insurance companies will not insure a driver if there is too much of a risk, there are some companies that specifically insure individuals with a bad driving record and some that particularly cater to those who require an SR-22. However, many of these companies tend to charge more than traditional insurance companies.

Minor driving infractions such as, failure to stop at a stop light or going ten miles over the speed limit, will not typically affect a person’s rates or coverage. However having accidents, multiple unpaid parking tickets, DUIs, several speeding tickets, traffic violations or moving violations are known to affect insurance premiums. Typically, the insurance companies only use the last three years of driving history to determine a person’s rate or eligibility.

There are a few things that can be done to save money on expensive car insurance premiums:

*Increase the deductible – A higher deductible (on full coverage) results in a lower premium.

*Buy a cheaper vehicle – Less expensive cars are cheaper to insure and rather than paying the cost for comprehensive coverage, cheaper vehicles can have just liability coverage.

*Reduce coverage features – Certain features increase the rates therefore, eliminating features such as, towing coverage and rental car reimbursement can lower the rates.

*Improve credit rating – Bad credit can adversely affect a person’s insurance premiums, however, a person can improve their credit score for lower rates.

*Comparison shopping – Comparing rates is one of the best ways to save money on car insurance. The cost of insurance premiums can vary drastically from company to company; therefore, it is a good idea to shop around to get the best deal.

In addition to checking, an individual’s driving record at the time of application, insurance companies can also check the policyholder’s driving record if they want to make changes to their policy, in the event that the vehicle on the policy is changed and when the policy needs to be renewed. If the insurance company finds negative results in overviewing the driving history, the rates can be increased. Many insurance companies use a point system known as the Safe Driver Insurance Plan, which assesses a point value (from zero to four) to each type of driving infraction based on its severity. The more points that are assigned to a person’s policy, the higher the auto insurance rates will be.

A person’s driving history can either negatively or positively affect their car insurance premiums. While a bad driving record can increase the rate and sometimes it’s difficult for an individual with several points to find an insurance company to insure them, safe drivers can earn a discount by not getting involved in any accidents or receiving any tickets for a certain amount of time. Therefore, it’s always a good idea to practice good driving, not only for safety reasons, but also to ensure that the car insurance rates will be the lowest, possible.




Where to go to get Auto Insurance Comparisons






Auto insurance rates can vary dramatically from company to company, which is one reason why it’s a good idea to get several different quote comparisons before choosing a specific company or policy. Now, side-by-side quote comparisons are even easier to attain and we’ll explain the best ways to get this information.

There are three main ways to compare auto insurance rates.

*The first option requires more footwork and involves contacting (via telephone, e-mail or in-person) each potential insurance company and providing some information to obtain a quote.

*The second option includes visiting the site of each national insurance company to get a separate rate quote from different companies.

*The third option is more simple and involves visiting a site that provides auto insurance comparison and entering non-personal information (Warning: Stay away from sites that ask for personal information like, a Social Security number — this information is not required to obtain a quote) about the applicant and any other drivers, as well as, supplying information about the vehicle(s). 

Most sites initially, ask for the inquirer’s zip code and then, these rate comparison sites will ask for information such as, the address where the vehicle is parked, the date of birth for anyone who will be on the policy and each person’s driving history, as well. While a driver’s license number is not required, it is often helpful to retain accuracy in reference to each person’s driving history. After entering this information and answering a few more questions, the comparison site either will provide an instance rate quote comparison (policy information, included) or will send an e-mail with side-by-side rate comparisons from several different companies. Comparison sites typically offer comparisons for other aspects of insurance, as well, not just price. In addition to rate comparison, the rate comparison sites also offer information about different coverage options, various features, pricing options and the best value.

In addition, there are also companies that measure and compare various insurance companies for reliability, quality and financial integrity. Other measures can be taken to compare the customer service of the insurance company. For instance, it’s a great idea to ask friends and relatives about why they are with their current insurance company and their experiences (the good and the bad) with other companies, as well. Another option for checking out the quality of a particular insurance company’s customer service is to visit local forums where customers talk about their experiences with various companies as well as, state their complaints and praises through a community message board.

Many people don’t realize that they can save hundreds of dollars by getting several different quotes from various insurance companies and by getting feedback from others about their insurance company experience, as well. When it comes to comparing auto insurance companies, there is no better way to be a smarter consumer by saving money on car insurance. Comparing auto insurance companies is the smartest way to get the best price, the best service, the best quality of insurance and overall the best value, possible.




4×4 Truck Insurance






4×4 truck owners should know what it takes to get their rough and tough trucks insured. Before off-roading in a new or used 4WD truck, it’s important to be properly covered.

Some insurance policies don’t cover all 4×4 activities — therefore, it’s important to know the details of the coverage, as well as, any risks before starting a policy. For instance, some insurance policies do not provide coverage for off-road truck use. In addition, driving a 4×4 truck on the beach is not covered by many insurance companies because of the risk. The risk is higher for this type of driving and it is not covered by all policies because the premium is based according to the risk of theft or an accident. While drivers who don’t off-road their trucks or drive on the beach can be covered by a basic policy. However, several insurance companies have special policies that specifically cover off-roading and driving on the beach in a 4WD.

4×4 Truck Insurance Policies

The most basic coverage that is required by law for a 4×4 is third party or liability insurance. With this type of insurance, if an accident occurs and the driver is only partially at fault, the policy will cover damage or injury to the other person’s car, but not the policyholder’s damages or injuries.

Additional third party coverage includes third party fire and theft, which offers the same liability coverage as third party insurance, but also allows coverage if the vehicle is damaged in a fire or stolen.

Full insurance or comprehensive coverage not only pays for the other person’s damage or bodily injury (in the event of an accident) and against theft or fire, but also covers the policyholder and any passengers, in the event of death or injury.

Special 4×4 truck insurance is designed specifically for all types of 4×4 driving activities. In addition to providing basic coverage for the truck, insurance policies that are designed specifically for four-wheel drive trucks cover off-road driving (in the desert or the mountains) and beach driving, in the event of an accident. This option is more expensive than traditional insurance because the risk (under these driving conditions) is greater than for those who stick to the road.  In addition, features that have been added (e.g. – wide screens) on to the 4WD truck are often not covered through traditional insurance, but insurance that is specifically for four-wheel drive vehicles will usually cover it. It’s always a good idea to check the terms of the policy beforehand.

Important Facts About 4×4 Truck Insurance

Four-wheel drive vehicles often cost more to insure because they tend to be more expensive to repair. 4×4 truck parts are harder to find because they are not mass produced, like cars and other vehicles.

Adding salvage retention rights to the 4×4 policy might be a good idea for four-wheel drive owners who want to keep the salvaged parts from the vehicle and still be reimbursed for the damages. This addendum to a 4×4 policy goes into effect only if the vehicle has been totaled and must be replaced. This additional clause also allows the vehicle owner to update the vehicle by adding other parts without affecting their coverage. Many times placing additional parts on the vehicle that were not listed on the original policy can result in the insurance becoming unvalid. Most 4×4 insurance policies do not automatically cover salvage retention, therefore, if this is required it should be added to the policy.

Four-wheel drive trucks may require special insurance in order to drive on certain terrain, however, getting a 4WD truck insured is easy with the advice found in this article.




How Does My Credit Score Affect My Car Insurance Rates?






Many people who are facing high premiums wonder what their credit rating has to do with their insurance rates. Several factors affect car insurance rates ranging from the age of the driver (or additional drivers), to their driving history and of course, their credit score. While the age and driving history are easier understood, the credit score is harder to explain. In the following information, we will explain the correlation between the two, how it affects the rate of coverage and provide information for how to get lower car insurance rates, even with bad credit.

According to a recent survey performed by Conning & Co., an insurance research firm based out of Hartford, CT, stated that 92% of insurance companies measure the credit information when underwriting a new policy. Insurance companies use a person’s credit history (along with several other factors including gender, home address and more) to calculate the determined risk and deliver a quote for a premium. According to several studies, there is a strong link between an individual’s potential loss of insurance coverage and their financial history. Therefore, the insurers believe that checking a consumer’s credit when applying for quote to more accurately calculate the risk of insuring the consumer.

The credit report includes information about the applicant that is helpful to insurance companies. The information includes information to identify the person (name, SSN, telephone number, past addresses and date of birth), public records about the person (bankruptcies, collections, foreclosures, garnishments, judgments and tax liens), the applicant’s credit history (history of completion or lack of completion of obligations to banks, finance companies, mortgage companies and retail stores) and any inquiries of the credit report by any other authorized parties such as, potential employers, other insurance companies and other promotions(particularly in the past two years).

There are two different types of scores used by insurance companies to determine the rate for car insurance: credit score and insurance score. The credit score is used by the insurance company to determine the ability of the consumer to pay other loans including credit cards, auto loans, and mortgages. However, the insurance score is other information that is used by the insurance company to determine the possible risk of the consumer making an insurance claim in the future.

When insurance companies check an applicant’s credit, several different variables are used to calculate an insurance score. This information includes the consumer’s available credit, history of late payments, duration of the person’s credit history, different types of credit used, public records, new applications for credit and any past due amounts, as well. Each insurance company may use a different scoring method to calculate credit variables, which is why a person requesting a quote will receive different prices from each company. However, certain factors are not considered when calculating the insurance score including, information about the person’s employment status (occupation, title, dates employed, salary, employer and past employment history) or personal information (gender, marital status, sexual orientation, age, race, color, religion or origin). In addition, insurance inquiries don’t have affect on the credit score, unlike, other types of inquiries, such as a creditor or lender inquiry (when a person applies for a credit card or loan) which lower the rating slightly.

To increase a person’s credit score, the first thing to do is to get a copy of their credit rating (FICO Score) and credit history. It’s important to visually check for any mistakes because errors are common on credit reports. The best way to get lower insurance rates is to improve the credit score in any possible way. In addition, individuals with a moderate score could use some improvement to their credit score. However, repairing credit takes time; therefore, it’s important to remember that long-term results should be expected before some results are noticeable.




Is Progressive Cheaper than All State?






Shopping around for the cheapest insurance can be a hassle.  However, to make it easier we have reviewed two top insurance companies — Progressive and Allstate to determine which option is cheaper. 

Determining the rates for any insurance company depends on a number of different factors. The auto insurance rate is based on location (home address and the distance from home to work), age (present and age of receiving license), amount of past claims and driving record (tickets and/or accidents in the past three years). In addition, any vehicles listed on the policy will determine the rate, as well, based on their make, model and year.  Therefore, the exact difference in rates is very difficult to determine. 

To compare actual rates between Allstate and Progressive, there are three options:

1. Contact the local office or toll-free number by phone.

2. Check online and determine the rates per individual case via their website.

3. Visit a rate comparison website that offers side-by-side comparison through a site like Progressive’s or a third-party comparison site (that has no affiliation with any particular insurance company). 

Rate comparison sites probably are the easiest way to get information about different companies; particularly in this information, we are referring to, Allstate and Progressive. In addition, customer review sites are helpful in determining the cheaper option, as well.  The best way to determine which option is cheaper is to get a rate quote from a reputable website. 

Although, Progressive’s website is well-known for comparing their rates against the rates of other car insurance companies to allow potential customers to choose the best rate, they don’t always have the best rates. On average, Progressive’s rate quotes are cheaper, however, overall both of these companies offer comparable rates. For instance, rate quotes for a new Mercedes B CLK Class were $887 at Progressive and $909 through Allstate. A Toyota Prius was quoted at $1176 from Progressive and around $1400-$1500. Insuring a Honda Civic costs about $404 – $500 through Progressive and around $565-$616. However, a Jeep Grand Cherokee was quoted at $789 at Progressive and $745 through Allstate. Online reviews done by individuals in Las Vegas and other areas that charge a high rate claimed that Progressive’s rates were considerably cheaper than Allstate. Allstate may be a better option concerning multiple policies, for instance, certain associations or groups.

While Allstate’s company does not offer online rate comparison, both Progressive and Allstate provide an instant quote via their website offer information to get a rate quote from a local agent, as well. Overall, auto insurance is a personal decision based on personal preference, the specific cost of the rates, types of plans and various discounts. Therefore, it’s important to perform research regarding these particular aspects of each prospective insurance company before choosing an option. While Progressive tends to be cheaper than Allstate, the actual rate really depends on each individual driver (or group) and several other factors.  So, it is important to get a quote from various insurance companies to find the best rate.




Learn How to Compare Car Insurance






Car insurance rates differ drastically according to the company, which is why it is a good idea to shop around for the lowest rates. In this guide, we will explain the fastest way to compare car insurance rates for different companies to determine the right insurance company for every driver. 

The first step is to decide if a local car insurance company can address the insurance needs best or if a national, company would be a better option. Some people feel that local insurance companies are more easily accessible, in the event of a claim; however, it is really a matter of personal preference. Moreover, many national insurance companies offer local branches for added convenience. While local companies are often a good choice, many regionally located offices do not have a website, which limits the option for getting a comparison quote. If a local insurance company were the best option, then to receive a quote, the person would need to call the company directly or walk in to the office to get the rates. On the other hand, national insurance companies and other companies offer websites where individuals can input their information and receive a calculated rate estimate and a side-by-side comparison of the type of insurance offered by the company, as well as, any discounts (e.g. – teenage driving discounts, detailed below). In addition, some sites such as, progressive.com and others, provide a rate comparison with their rates and the rates of other companies (or visit sites such as, http://www.dmv.org/ or http://www.OnlineAutoInsurance.com to get an insurance rate comparison by location, as well).

Rate comparison sites are the fastest way to compare the rates of national car insurance companies because the information is compiled in one location. These sites either deliver the quote to the supplied e-mail address or they will receive an instant rate quote. Online websites that offer car insurance rate comparisons use personal information such as, name, gender, age, address, as well as, information about the vehicle including, the year, make and model to calculate an estimate and provide a side-by-side comparison of several national companies.

Important Fact: not all online sites can be trusted with this information, so it is important to be careful.  In addition, in order to receive a rate quote, these companies do not need a driver’s license or social security number — so avoid sites that ask for this information. This information is only necessary in cases where a person is dealing directly with the insurance provider. 

Shopping around for the best insurance rates is especially important for households with a teen driver. If the teenager will be driving their own vehicle, it can be added to the parents’ primary coverage policy, which raises the premium.  Additionally, teens are more costly to insure because studies have shown teens are more likely to get into a car accident than adults between the ages of 25 and 55, therefore the risk to insure teens is higher.  However, certain discounts for teens (e.g. – good grade discounts and lower rates for taking driving classes) apply through some companies, which can be determined by comparing rates of various companies and receiving information about various discounts offered by certain companies). 

Whether insurance comparison-shopping is intended for adults or teens, comparing rates for various insurance companies is always a great way to save money.