66 Painters Mill Road Suite 110 Owings Mills, MD

Filling up the gas tank can be a thoroughly miserable experience as you watch the counter flip past $40, then $50, and keep on going.
But you can save money on gas based on where you fill up, how you pay when you visit the gas station, how you drive, and even the condition of your car.
We’ve compiled 10 smart tips to help you spend less on fuel.
How to Save on Gas at the Pump
The biggest savings will be evident in the price you pay at the gas station. So it’s worth shopping around and employing a bit of strategy before filling up.

1. Use Apps to Find the Cheapest Gas

You don’t want to buy gas at one place and then come across a station with cheaper fuel just down the street. Several websites and apps tell you the price of gasoline at the stations in your area. GasBuddy and Waze are two popular options.
Look for the cheapest gas stations along any of the routes you normally drive for work or shopping. Don’t wait until your tank is near empty and be forced to buy gas wherever is closest.
The price of gas can vary significantly across state lines, so if you’re planning a trip, check where prices are lower throughout your route. Avoid getting gas at stations just off a highway exit or in the middle of a major city — stations in those locations tend to charge more than ones a little more out of the way.

2. Skip the Premium Option

Higher-octane gas isn’t necessary or beneficial in most cars, so you’re just spending more money when you buy premium. Premium gas can cost about 20 to 40 cents per gallon more than regular-grade fuel. Use regular-grade gasoline unless your car’s manufacturer specifically requires premium.

3. Join a Fuel Rewards Program

Many gas station chains and grocery stores across the country offer fuel rewards programs to try to turn you into a loyal customer. Each gas station fuel rewards program has its own set of rules on how much you can save and what you have to spend in order to get the rewards, so read up on the details.
GasBuddy also offers its own fuel savings program called Pay with GasBuddy. Join for free, and you’ll save up to 25 cents per gallon when you fill up at most national gas station chains. You can also sign up for a paid version. Pay with GasBuddy Premium is $9.99 a month and offers up to 40 cents off per gallon plus 24-hour roadside assistance.
(Note: Exxon Mobil, BJs, Costco, Sam’s Club, H-E-B, select Walmart stations, select Arco stations and some small, local gas stations don’t accept the Pay with GasBuddy card.)

4. Use a Rewards Credit Card

When you fuel up, choose a credit card that pays you cash back or one that allows you to earn rewards points when you purchase gas. Just be sure you know what you’re getting into before opening a rewards credit card. Pay the fuel charges off in full each month so you’re not paying interest on your gas purchases.

5. Use Cash Instead of a Card

Some gas stations charge a lower price per gallon if you pay with cash rather than a credit card. It’s their way of avoiding card processing fees. While some stations will let you pay the cash price if you use a debit card, others won’t. Check with the gas station before you swipe your card, or simply use cash when it’s time to fill up.

6. Use Free or Discounted Gift Cards

You can earn gift cards or cash from survey sites like MyPoints or CashKarma. You can also purchase discounted gift cards from sites like Raise or Gift Card Granny.

7. Fill Up Early in the Week

According to a 2019 GasBuddy gas price analysis, gas prices tend to be the lowest on Mondays and Tuesdays. If you’re looking to buy cheap gas, avoid filling your tank on Fridays, Saturdays, or Sundays, when gas prices tend to be the most expensive.
How to Save on Gas With Better Driving Habits
How frequently you drive and how you operate your vehicle both play a role in how much you spend on gas.

8. Share Rides

If you live near your co-workers and have similar schedules, take turns driving so you can all drive less each week. Organize a carpool with neighbors or friends to transport your children to school or extracurricular activities, and swap driving duties among the parents.

9. Plan Routes

Plan your shopping trips and other outings in efficient ways to reduce your drive time. If the grocery store is near your job, do your shopping after work rather than waiting until the weekend. Do your errands all in one day rather than making several trips on different days. Cutting a few miles several times weekly could save a fill-up or two.

10. Reduce Your Idle Time

Don’t start the car and then leave it running for a long time while you wait for everyone to get in or to fiddle with your navigation. Make sure you’re ready to go before starting your engine. Idling just wastes gas and causes more air pollution.
A solid travel insurance plan is a smart way to protect the investment you make in a trip in case the unexpected happens. As the pandemic continues to show us, the unexpected is always a possibility.
If going on a great vacation is one of your goals for 2022, here are top tips for finding the best travel insurance policy

Match Coverage to Your Journey and Destination

Your vacation destination and itinerary play a significant role in determining how much coverage you might need. Let’s say you’re booking an overseas excursion with connecting flights that include multiple sightseeing tours, entertainment at various venues, and some exploration and sporty activities.

For a trip like this, consider a comprehensive travel insurance plan that includes:

  • Trip cancellation and trip interruption coverage that can reimburse you for prepaid, non-refundable costs if you have to cancel or cut your trip short, due to reasons listed in the policy.
  • Trip delay insurance to compensate you for expenses incurred during a layover and for missed activities you paid for in advance that are non-refundable.
  • Medical expenses coverage for medical treatment, medicine, X-rays, and more.
  • Medical evacuation coverage in case you need to go by Medevac to a better medical facility.
  • Baggage loss coverage can provide compensation if your luggage is lost, stolen or damaged.

Travel Medical Insurance for Overseas Travel

If you’re traveling only within the U.S., your health plan likely covers medical costs. But it might have very limited if any, coverage overseas. Check your plan’s details for global coverage to see how much travel medical insurance you may need. And Medicare typically isn’t accepted abroad.

It’s often crucial to have travel medical insurance for trips outside the country. This type of coverage pays “reasonable and customary charges” for costs such as:

  • Doctor bills
  • Ambulance service
  • Hospital room charges
  • Operating room charges
  • Examinations, X-rays and lab tests
  • Medicine

Buy Travel Insurance Soon After You Book Your Trip

If you don’t buy a travel insurance policy shortly after booking a trip, you forfeit some benefits. Some types of coverage are available only within a certain time frame, generally around 14 to 21 days after making the first trip deposit. These benefits include:

  • Coverage for pre-existing medical conditions. Buying a travel insurance plan right away allows you to get a pre-existing medical condition exclusion waiver. Without one, you won’t be covered for medical expenses or medical evacuation if an existing condition you have flared up on your trip.
  • “Cancel for any reason” upgrade. If offered by your travel insurance company, you generally need to add “cancel for any reason” within two to three weeks after making your first trip deposit.

Consider the Pros and Cons of “Cancel For Any Reason” Coverage

Standard trip cancellation benefits apply only when you cancel for a reason listed in your policy. But if you want the greatest flexibility, consider “cancel for any reason” (CFAR) travel insurance. It reimburses a portion of the non-refundable, prepaid expenses of your trip if you want to cancel for reasons not listed in the base policy. It adds an average of 50% to an insurance plan’s cost. And it has some special rules.

  • You can’t cancel at the last minute—you have to cancel at least 48 hours before departure in order to make a “cancel for any reason” claim.
  • You generally don’t get 100% compensation—you get 50% or 75%, depending on the plan.
  • You have to add the coverage within two or three weeks of making your first payment for your trip. The purchase deadline varies by company, but don’t procrastinate if you think you want CFAR coverage.

You could make a CFAR claim, for example, if you don’t like the Covid testing requirements at your destinations, or if it’s going to be rainy at your beach resort. These types of reasons aren’t covered under standard trip cancellation insurance but will be covered under CFAR coverage.

Check Your Credit Card’s Perks for Travel Insurance

Before you put down money on a travel insurance plan, look into what coverage you might already have in your wallet. You might be pleasantly surprised if your credit card includes travel insurance.

For example, a credit card might offer trip cancellation and trip interruption insurance. This coverage kicks in if you cancel for an acceptable reason or if your trip is cut short due to problems covered by the credit card, like severe weather.

You must use the card for booking the trip in order to receive the card’s insurance benefits. Here are Forbes Advisor’s best credit cards for travel insurance benefits.

Look into Adventure Travel Insurance If You’re Planning Riskier Activities

Travel insurance policies typically have exclusions for high-risk activities. For example, if you’re skydiving or parasailing during the trip, your travel medical insurance might not cover you if you get injured.

If your trip includes activities that skew from traditional sightseeing or museum tours, make sure to get a policy that will cover your specific higher-risk activities. A travel insurance agent can help you find the right options based on your itinerary.

Confirm Covid Coverage and Check Visitor Guidelines

Not all travel insurance policies include coverage for pandemics. If you’re concerned about Covid-related problems, be sure the plans you’re considering cover Covid-related cancellations and medical costs.

And be aware that many countries still have Covid-related rules for visitors. For instance, you may need to show proof of vaccination and a negative Covid test taken within three days before your departure. Be sure to ask your travel agent or check government websites for the most current guidelines.

See Forbes Advisor ratings of the best pandemic travel insurance.

Find Out if Your Travel Insurance Company Has a Mobile App

Some travel insurance companies have mobile apps that make it easy to manage your trip plans (and problems) on the go. For example, the Allianz TravelSmart app provides live flight updates and you can use it to access Alllianz’s 24-hour concierge and assistance services.

Another benefit is that you can file and track claims from the app. This is especially advantageous for travel delay benefits. For instance, if you’re eligible for a travel delay claim, you can receive reimbursement for a hotel stay during your layover instead of having to pay the money upfront and receive compensation after you return home and file a claim.

There are also some companies that offer fast-tracking for travel delay benefits through add-ons to certain travel plans. For instance, Allianz offers SmartBenefits which provides an automatic travel delay reimbursement of $100 per person without having to provide receipts. Berkshire Hathaway Travel Protection can pay you the same day you file a claim if you elect electronic payment methods for your plan.

Don’t Assume Travel Insurance Is Cost-Prohibitive

You may think travel insurance is a pricey proposition, but it can be relatively affordable. If you’ve paid thousands of dollars in deposits for your vacation, travel insurance can be a wise way to safeguard the investment.

The average cost of a travel insurance plan in 2021 for domestic travelers was $297. For overseas travelers, the average cost was $357, according to data from Squaremouth, a travel insurance comparison provider.


Woodhome Insurance
Home – Auto -Business
(410) 580-2800
#businessinsurance #MarylandInsurance #gastips


Earn a discount on your Auto Insurance - Get Up To 15 Quotes In 15 Minutes!