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The Citizen, 2009-04-09, Page 191. Make sure all your cars are on the same policy Most insurance companies offer a “Multi-vehicle discount” for customers who insure more than one car on the same policy. 2. Insure both your car and home with the same company Again, this may qualify you for a discount called the “Multi-line discount”. Most companies offer this savings as an incentive to get your home insurance business too. 3. Have an anti-theft device installed in your car If you take measures to ensure your car is less likely to be stolen, then some insurance companies will offer an “Anti-theft discount” if certain anti-theft devices are installed. 4. Ask about other discounts you might be able to get Additional common discounts include the age, low mileage, occupational and auto club discounts all of which could save you money, if you qualify. 5. Increase your deductibles The higher your deductibles, the lower your insurance premium - so raise them as much as you can. Keep it affordable though, because this is how much you’ll have to cover if you need to submit a claim. 6. Drive carefully Drivers with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. With a less than perfect driving record, you can find yourself paying much higher insurance premiums over the years. 7. Don’t believe the myths about auto insurance premiums. Auto insurance premiums across insurers are not the same. In fact, each insurer’s car insurance rates are so unique to them that it’s safe to say that no two are alike. 8. Shop around Get quotes instantly online. At www.kanetix.ca, for example, you can get online quotes from competing insurers to see if you can save money on your premiums. 9. Compare apples-to-apples while shopping When comparing rates, include the same deductibles, coverages, and limitations so you’re comparing like rates. At comparison sites where you can actually compare competing rates side-by-side, they’ll do this for you. 10. Never pay for a quote When shopping around for auto insurance you should never pay to get a quote. Reputable quote comparison services like www.kanetix.ca do not charge you to get quotes from competing insurers and do not tack on fees to the quotes you see. - News Canada THE CITIZEN, THURSDAY, APRIL 9, 2009. PAGE 19. The top 10 car insurance savings tips How did we ever get along without air conditioning in our cars? It’s a feature we take for granted until, suddenly, it’s blowing hot air. In the past few years, many owners have discovered that fixing an inoperative air conditioner can cost a few hundred dollars or more, depending upon the make and model of vehicle. The reason is that the old standby R-12 refrigerant, trade named DuPont Freon, has been replaced by R-134a. Touted as being environmentally safer than its predecessor, R-134a has been standard since ‘94. If your older vehicle needs major repairs to the air conditioning system you can expect to replace refrigerant and the oil in the compressor in addition to the old components. You also may need to install a retrofit conversion. Do not allow anyone to mix refrigerants. They’re not inter- changeable. You cannot add R-134a to your older air conditioner without first flushing the system. Further, according to Car Care Canada, some substitutes are volatile mixtures of propane, butane and flammable hydrocarbons. Keep in mind the fact that if your vehicle is leaking refrigerant, you’re damaging the ozone layer. An annual inspection of the vehicle, including the air conditioning system, may help forestall costly repairs. Many automotive service shops offer AC inspection specials when warm weather arrives. Otherwise, ask your service centre to evaluate your system before those hot and humid days of summer. 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