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Choosing The Right Water Heater Can Save You A Bundle On Energy Costs
Many homeowners consider only the size of the tank when choosing a new water heater—sometimes ignoring the energy factor and other efficiency measures that could cost big money in the end.
The first decision in purchasing a new water heater is the fuel source. A natural gas unit will cost less to operate than an electric unit will; the price difference (usually about $50) can be paid back in energy savings in just a few months. Even if you have six teenagers, you may not need a large capacity unit.
Instead of concentrating on size, start by estimating how much hot water your family uses during the busiest hour—morning showers, for example. Here are the average gallons of hot water per use: Bath or long shower (8 to 10 gallons), dishwasher (8 to 10 gallons), clothes washer (seven gallons), personal use (four gallons).
5 Secrets For Saving A Bundle On Your Auto Insurance
Do you remember the last time you shopped for auto insurance? If you can't remember, chances are you're paying too much. Insurance rates vary from category-to-category and from year-to-year. Unless you shop frequently, you could easily be paying double for the very same coverage. Here are five helpful tips you can use to cut insurance costs:
Shop Around. Most consumers seek insurance quotes from just one or two companies. To get the best rates, check at least four companies or agents. You can make comparisons at www.insweb.com.
Consider A Higher Deductible. Ask your agent to give you several deductible scenarios and compare the costs of each. Consumer Reports magazine reports that most people have a $250 deductible on collision and comprehensive. And that's too low, given today's repair costs. A $1,000 deductible, for example, you can save as much as 30 percent on collision and comprehensive.
Consider A Car's “Profile.” Choose a safe car by checking safety records from the Insurance Institute for Highway Safety. A sports car will cost considerably more to insure than a family sedan. Drive a car that costs less to begin with, costs less to repair, and is less popular with thieves.
Ask For Discounts. Most consumers are unaware of the many discounts available to them. The Insurance Information Institute lists many discounts you may not know about.
Drive Safely. This sounds obvious, but insurers give better rates if you've had no moving violations in the past three years. Without a doubt, it pays to stay alert while driving.
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