Winter is upon us, which means bad weather and dangerous driving conditions are common. It is more important than ever to practice safe driving techniques in typical winter weather conditions such as rain, wind, snow, ice, sleet and fog. It is even more important to practice safety in extreme weather conditions such as hurricanes, tornados, torrential rain/snow and electrical storms. If possible, it is best to postpone a trip and stay home rather than drive if there is an extreme weather system moving through your area.
Here are some tips for driving in bad weather:
Plan ahead. Driving in bad weather usually takes longer and is more stressful. If you did not leave more time to reach your destination and are consequently running late, this will only increase your stress level and could adversely affect your driving. Also, check the weather before you leave. If you can take an alternate route to avoid the brunt of a weather system, do so. You may also want to consider postponing your trip until the weather has improved. If you decide not to postpone, carry a map with you to prevent getting lost when visibility is low, and to show you alternate routes if necessary.
Drive Slowly. This accompanies the above item; you should drive more slowly than usual in bad weather. This decreases the chance of skids and accidents.
Leave Room In Front. Many experts recommend doubling the "cushion" between you and the car in front of you when you are driving in rain, snow, sleet, etc. Brake time is slower in these conditions, and you must allow yourself more room.
Make Sure Your Equipment is in Working Order. Have your tires and brakes checked more frequently in the winter months. Make sure your windshield wipers are in working order and that your headlights are clean. Dirty headlights can significantly reduce visibility, especially in bad weather. Clear your windshield and mirrors of ice or frost before leaving, and keep them clear with your wipers and wiper fluid during the trip. If you need to pull over to scrape ice or snow, be sure to do so in a safe place.
Use Your Low Beams in Fog. Turn on your headlights (make sure to use your low beams, not your high beams) in fog, whether you are driving through it at night OR during the day. Your low beam headlights not only help you to see, but also help other cars to see you. It is also very important to maintain a large following distance in fog and to drive slowly, as you may not see things like another car or a traffic light until it is nearly upon you. Stay close to the right hand side of the road in fog to avoid going over the center line into oncoming traffic.
Listen To The Radio. Listen to a radio station that offers road condition information at a low volume during your trip. The station may offer alternate routes or inform you of road closures and such. Keep it at a low volume so as not to intrude on your concentration; you need to be very focused when driving in bad weather.
Drive Slowly. This accompanies the above item; you should drive more slowly than usual in bad weather. This decreases the chance of skids and accidents.
Buckle Up! Be sure you and your passengers wear seatbelts at all times. Not only is it the law in most states, it can also save lives, especially when driving in bad weather.
Pull Over if You Need to. If you are at all tired, pull over (at a safe spot totally off the road) and rest your eyes. Don't be afraid of the time you may "waste" by pulling over, it's certainly a better risk than that of getting in an accident. Also, if the weather is suddenly particularly bad, it may be a good idea to find a safe place to pull off the road and try to wait out the bad spell. If the poor weather involves deep snow or heavy rain, be sure you are not pulling over into a deep puddle or snow bank.
The above are just a few of the ways of helping you and your loved ones stay safe during the winter months.
Friday 28 March 2008
Changing Addresses? Now Is The Perfect Time To Shop Around For Auto Insurance!
So, you’re moving. This is always a stressful time; lots of money to be spent, information to update, packing and moving trucks to arrange, etc. However, in this expensive period of your life, there is at least one thing you can do to cut some expenses – shop around for auto insurance rates. Are you paying too much for your auto insurance? Your new address makes this the perfect time to find out, as rates can change when you move, and you have to update your policy anyway.
When do I need to update my policy?
It’s a good idea to update your address information with your insurance company as soon as you can. If you get in an accident and you have not updated your information, your insurance company could refuse to pay any claims you’ve had since you’ve moved. And as discussed above, before you update your address and blindly decide to stay with the same company, you might as well shop rates and see if you can save some money at the same time. When you’re moving, every little bit helps!
Why might rates be different in my new location?
It's a fact – auto insurance rates in rural communities are almost always lower than those in large urban centers. Accidents tend to happen much more frequently in big cities, due to the number of cars on the road (AKA: Traffic!)
You may be moving to a new state, and your current auto insurance company may not be a licensed insurance provider in that state, or if they are, the rates they offer may be much higher. Certain states have higher insurance rates than others due to the percentage of claims filed. States like New Jersey, Washington D.C., New York and Massachusetts typically have the highest average insurance rates.
It can also cost more to settle claims in certain areas, and this can add to the cost of your insurance premiums. Expensive cars cost more to repair or replace, and wealthy urban communities will sometimes have higher average insurance rates. Regardless of whether you’re moving to a new state or just across town, now is the perfect time to compare multiple rates and find the lowest one. Rates can differ by hundreds of dollars from company to company.
Another way to save: multiple-policy insurance
If you bought a new home, you are going to have to purchase homeowners insurance. Many insurance companies offer discounts for insuring your home and your vehicle together. For the greatest possible savings on your homeowners policy, be sure to check our low rates on auto insurance, and mention to your sales representative that you are also interested in a homeowners policy. This multi-policy discount often applies to an auto insurance/renters insurance combination as well. Besides auto insurance, InsWeb also offers competitive quotes for homeowners insurance, condominium insurance and renters insurance.
Remember, saving money on your auto insurance will give you more money to spend on your move or on your new home. Compare rates today and find out how much you can save!
Tips to save money on your move:
Get free boxes. Ask a friend, family member or co-worker who just moved if you can use their boxes, or ask your local grocery, liquor or department stores for their empty boxes.
Shop around for the cheapest deals on moving supplies, such as moving tape, bubble wrap, etc.
Just like you should compare multiple insurance rates, you should also compare rates of several moving companies. Compare rates for just renting a truck and for using a full service moving company before you decide.
If you decide to move yourself, round up as many friends and family members as you can to help. Offer them food and beverages during the move or throw them a dinner party once you are in your new home to thank them for their help.
If you are moving to a location further away than a days drive, research the cheapest places to stay on your trip. You may want to camp along the way (make sure and ask the campground if they allow moving trucks if needs be), stay with a friend or relative, or find the best deal on a hotel or motel. You can also pack a cooler of food to save money on your trip.
When do I need to update my policy?
It’s a good idea to update your address information with your insurance company as soon as you can. If you get in an accident and you have not updated your information, your insurance company could refuse to pay any claims you’ve had since you’ve moved. And as discussed above, before you update your address and blindly decide to stay with the same company, you might as well shop rates and see if you can save some money at the same time. When you’re moving, every little bit helps!
Why might rates be different in my new location?
It's a fact – auto insurance rates in rural communities are almost always lower than those in large urban centers. Accidents tend to happen much more frequently in big cities, due to the number of cars on the road (AKA: Traffic!)
You may be moving to a new state, and your current auto insurance company may not be a licensed insurance provider in that state, or if they are, the rates they offer may be much higher. Certain states have higher insurance rates than others due to the percentage of claims filed. States like New Jersey, Washington D.C., New York and Massachusetts typically have the highest average insurance rates.
It can also cost more to settle claims in certain areas, and this can add to the cost of your insurance premiums. Expensive cars cost more to repair or replace, and wealthy urban communities will sometimes have higher average insurance rates. Regardless of whether you’re moving to a new state or just across town, now is the perfect time to compare multiple rates and find the lowest one. Rates can differ by hundreds of dollars from company to company.
Another way to save: multiple-policy insurance
If you bought a new home, you are going to have to purchase homeowners insurance. Many insurance companies offer discounts for insuring your home and your vehicle together. For the greatest possible savings on your homeowners policy, be sure to check our low rates on auto insurance, and mention to your sales representative that you are also interested in a homeowners policy. This multi-policy discount often applies to an auto insurance/renters insurance combination as well. Besides auto insurance, InsWeb also offers competitive quotes for homeowners insurance, condominium insurance and renters insurance.
Remember, saving money on your auto insurance will give you more money to spend on your move or on your new home. Compare rates today and find out how much you can save!
Tips to save money on your move:
Get free boxes. Ask a friend, family member or co-worker who just moved if you can use their boxes, or ask your local grocery, liquor or department stores for their empty boxes.
Shop around for the cheapest deals on moving supplies, such as moving tape, bubble wrap, etc.
Just like you should compare multiple insurance rates, you should also compare rates of several moving companies. Compare rates for just renting a truck and for using a full service moving company before you decide.
If you decide to move yourself, round up as many friends and family members as you can to help. Offer them food and beverages during the move or throw them a dinner party once you are in your new home to thank them for their help.
If you are moving to a location further away than a days drive, research the cheapest places to stay on your trip. You may want to camp along the way (make sure and ask the campground if they allow moving trucks if needs be), stay with a friend or relative, or find the best deal on a hotel or motel. You can also pack a cooler of food to save money on your trip.
Does My Credit Affect My Insurance?
We all know that our credit histories will affect whether or not we get the loan we need to buy a house (or car, boat, etc.) or refinance an existing loan, but what most people don't realize is that credit histories can also affect how much we pay for auto insurance. Not only can it affect our rates, but it may even impact whether we can get insurance at all (or whether our insurance company chooses to renew our policy), at least from some companies.
Increasingly, insurance companies are using credit reports to develop credit "scoring systems" that classify consumers based on several factors. As a consumer, how you're classified – whether you fall into a preferred, average, or high-risk class – can impact what rate an insurance company charges you.
The use of credit scores in insurance rating became commonplace over a decade ago with homeowners insurance. It grew out of companies' attempts to create rating plans that would assess risk levels as accurately as possible, in order to predict their own expenses as well as charge appropriate rates. Banks and other financial institutions had long used credit information in determining risk on business such as home loans, and the correlation between those financial records and insurance risks became clear. The trend moved into the auto insurance industry, and as soon as the math was done, insurers realized they were onto something.
The laws and regulations that govern insurance are set at the state level, so where you live determines what information companies can gather and how they can use it, as well as what your rights are. Generally, in states where credit may be used for underwriting and/or payment options, insurance companies use your credit information like this: They plug basic credit information (such as bankruptcies, missed payments, the number of cards you have and how much activity they see) into formulas that also take into account your accident history, years you have been driving, where you live, your age, gender and assorted other relevant facts about you.
The formulas assign varying levels of importance to these based on rather complex data such as the company's loss history and how statistically important the factors have been shown to be for that company. (For example, males are more likely than females to get into accidents. How much more likely depends on still other criteria, such as what kind of cars they drive.) From a mathematical maze of interlocking facts and levels of importance comes a risk level – and corresponding rate plan.
Many states require insurance companies to tell consumers what top factors have been used in determining rates, but your insurer may not even understand the exact significance of some of the numbers, since they often come from outside sources. If you're interested in finding out if credit was used to determine your rates, contact your insurance carrier.
In conclusion, it is very important to stay on top of your credit. Experts recommended that you obtain a credit report at least once a year (see the sidebar on the front page of this newsletter for a special offer for a free credit report). Also, how insurance carriers use your credit differs from company to company, so it’s very important to shop around and compare rates from various carriers.
Increasingly, insurance companies are using credit reports to develop credit "scoring systems" that classify consumers based on several factors. As a consumer, how you're classified – whether you fall into a preferred, average, or high-risk class – can impact what rate an insurance company charges you.
The use of credit scores in insurance rating became commonplace over a decade ago with homeowners insurance. It grew out of companies' attempts to create rating plans that would assess risk levels as accurately as possible, in order to predict their own expenses as well as charge appropriate rates. Banks and other financial institutions had long used credit information in determining risk on business such as home loans, and the correlation between those financial records and insurance risks became clear. The trend moved into the auto insurance industry, and as soon as the math was done, insurers realized they were onto something.
The laws and regulations that govern insurance are set at the state level, so where you live determines what information companies can gather and how they can use it, as well as what your rights are. Generally, in states where credit may be used for underwriting and/or payment options, insurance companies use your credit information like this: They plug basic credit information (such as bankruptcies, missed payments, the number of cards you have and how much activity they see) into formulas that also take into account your accident history, years you have been driving, where you live, your age, gender and assorted other relevant facts about you.
The formulas assign varying levels of importance to these based on rather complex data such as the company's loss history and how statistically important the factors have been shown to be for that company. (For example, males are more likely than females to get into accidents. How much more likely depends on still other criteria, such as what kind of cars they drive.) From a mathematical maze of interlocking facts and levels of importance comes a risk level – and corresponding rate plan.
Many states require insurance companies to tell consumers what top factors have been used in determining rates, but your insurer may not even understand the exact significance of some of the numbers, since they often come from outside sources. If you're interested in finding out if credit was used to determine your rates, contact your insurance carrier.
In conclusion, it is very important to stay on top of your credit. Experts recommended that you obtain a credit report at least once a year (see the sidebar on the front page of this newsletter for a special offer for a free credit report). Also, how insurance carriers use your credit differs from company to company, so it’s very important to shop around and compare rates from various carriers.
Does My Credit Affect My Insurance?
We all know that our credit histories will affect whether or not we get the loan we need to buy a house (or car, boat, etc.) or refinance an existing loan, but what most people don't realize is that credit histories can also affect how much we pay for auto insurance. Not only can it affect our rates, but it may even impact whether we can get insurance at all (or whether our insurance company chooses to renew our policy), at least from some companies.
Increasingly, insurance companies are using credit reports to develop credit "scoring systems" that classify consumers based on several factors. As a consumer, how you're classified – whether you fall into a preferred, average, or high-risk class – can impact what rate an insurance company charges you.
The use of credit scores in insurance rating became commonplace over a decade ago with homeowners insurance. It grew out of companies' attempts to create rating plans that would assess risk levels as accurately as possible, in order to predict their own expenses as well as charge appropriate rates. Banks and other financial institutions had long used credit information in determining risk on business such as home loans, and the correlation between those financial records and insurance risks became clear. The trend moved into the auto insurance industry, and as soon as the math was done, insurers realized they were onto something.
The laws and regulations that govern insurance are set at the state level, so where you live determines what information companies can gather and how they can use it, as well as what your rights are. Generally, in states where credit may be used for underwriting and/or payment options, insurance companies use your credit information like this: They plug basic credit information (such as bankruptcies, missed payments, the number of cards you have and how much activity they see) into formulas that also take into account your accident history, years you have been driving, where you live, your age, gender and assorted other relevant facts about you.
The formulas assign varying levels of importance to these based on rather complex data such as the company's loss history and how statistically important the factors have been shown to be for that company. (For example, males are more likely than females to get into accidents. How much more likely depends on still other criteria, such as what kind of cars they drive.) From a mathematical maze of interlocking facts and levels of importance comes a risk level – and corresponding rate plan.
Many states require insurance companies to tell consumers what top factors have been used in determining rates, but your insurer may not even understand the exact significance of some of the numbers, since they often come from outside sources. If you're interested in finding out if credit was used to determine your rates, contact your insurance carrier.
In conclusion, it is very important to stay on top of your credit. Experts recommended that you obtain a credit report at least once a year (see the sidebar on the front page of this newsletter for a special offer for a free credit report). Also, how insurance carriers use your credit differs from company to company, so it’s very important to shop around and compare rates from various carriers.
Increasingly, insurance companies are using credit reports to develop credit "scoring systems" that classify consumers based on several factors. As a consumer, how you're classified – whether you fall into a preferred, average, or high-risk class – can impact what rate an insurance company charges you.
The use of credit scores in insurance rating became commonplace over a decade ago with homeowners insurance. It grew out of companies' attempts to create rating plans that would assess risk levels as accurately as possible, in order to predict their own expenses as well as charge appropriate rates. Banks and other financial institutions had long used credit information in determining risk on business such as home loans, and the correlation between those financial records and insurance risks became clear. The trend moved into the auto insurance industry, and as soon as the math was done, insurers realized they were onto something.
The laws and regulations that govern insurance are set at the state level, so where you live determines what information companies can gather and how they can use it, as well as what your rights are. Generally, in states where credit may be used for underwriting and/or payment options, insurance companies use your credit information like this: They plug basic credit information (such as bankruptcies, missed payments, the number of cards you have and how much activity they see) into formulas that also take into account your accident history, years you have been driving, where you live, your age, gender and assorted other relevant facts about you.
The formulas assign varying levels of importance to these based on rather complex data such as the company's loss history and how statistically important the factors have been shown to be for that company. (For example, males are more likely than females to get into accidents. How much more likely depends on still other criteria, such as what kind of cars they drive.) From a mathematical maze of interlocking facts and levels of importance comes a risk level – and corresponding rate plan.
Many states require insurance companies to tell consumers what top factors have been used in determining rates, but your insurer may not even understand the exact significance of some of the numbers, since they often come from outside sources. If you're interested in finding out if credit was used to determine your rates, contact your insurance carrier.
In conclusion, it is very important to stay on top of your credit. Experts recommended that you obtain a credit report at least once a year (see the sidebar on the front page of this newsletter for a special offer for a free credit report). Also, how insurance carriers use your credit differs from company to company, so it’s very important to shop around and compare rates from various carriers.
Does My Credit Affect My Insurance?
We all know that our credit histories will affect whether or not we get the loan we need to buy a house (or car, boat, etc.) or refinance an existing loan, but what most people don't realize is that credit histories can also affect how much we pay for auto insurance. Not only can it affect our rates, but it may even impact whether we can get insurance at all (or whether our insurance company chooses to renew our policy), at least from some companies.
Increasingly, insurance companies are using credit reports to develop credit "scoring systems" that classify consumers based on several factors. As a consumer, how you're classified – whether you fall into a preferred, average, or high-risk class – can impact what rate an insurance company charges you.
The use of credit scores in insurance rating became commonplace over a decade ago with homeowners insurance. It grew out of companies' attempts to create rating plans that would assess risk levels as accurately as possible, in order to predict their own expenses as well as charge appropriate rates. Banks and other financial institutions had long used credit information in determining risk on business such as home loans, and the correlation between those financial records and insurance risks became clear. The trend moved into the auto insurance industry, and as soon as the math was done, insurers realized they were onto something.
The laws and regulations that govern insurance are set at the state level, so where you live determines what information companies can gather and how they can use it, as well as what your rights are. Generally, in states where credit may be used for underwriting and/or payment options, insurance companies use your credit information like this: They plug basic credit information (such as bankruptcies, missed payments, the number of cards you have and how much activity they see) into formulas that also take into account your accident history, years you have been driving, where you live, your age, gender and assorted other relevant facts about you.
The formulas assign varying levels of importance to these based on rather complex data such as the company's loss history and how statistically important the factors have been shown to be for that company. (For example, males are more likely than females to get into accidents. How much more likely depends on still other criteria, such as what kind of cars they drive.) From a mathematical maze of interlocking facts and levels of importance comes a risk level – and corresponding rate plan.
Many states require insurance companies to tell consumers what top factors have been used in determining rates, but your insurer may not even understand the exact significance of some of the numbers, since they often come from outside sources. If you're interested in finding out if credit was used to determine your rates, contact your insurance carrier.
In conclusion, it is very important to stay on top of your credit. Experts recommended that you obtain a credit report at least once a year (see the sidebar on the front page of this newsletter for a special offer for a free credit report). Also, how insurance carriers use your credit differs from company to company, so it’s very important to shop around and compare rates from various carriers.
Increasingly, insurance companies are using credit reports to develop credit "scoring systems" that classify consumers based on several factors. As a consumer, how you're classified – whether you fall into a preferred, average, or high-risk class – can impact what rate an insurance company charges you.
The use of credit scores in insurance rating became commonplace over a decade ago with homeowners insurance. It grew out of companies' attempts to create rating plans that would assess risk levels as accurately as possible, in order to predict their own expenses as well as charge appropriate rates. Banks and other financial institutions had long used credit information in determining risk on business such as home loans, and the correlation between those financial records and insurance risks became clear. The trend moved into the auto insurance industry, and as soon as the math was done, insurers realized they were onto something.
The laws and regulations that govern insurance are set at the state level, so where you live determines what information companies can gather and how they can use it, as well as what your rights are. Generally, in states where credit may be used for underwriting and/or payment options, insurance companies use your credit information like this: They plug basic credit information (such as bankruptcies, missed payments, the number of cards you have and how much activity they see) into formulas that also take into account your accident history, years you have been driving, where you live, your age, gender and assorted other relevant facts about you.
The formulas assign varying levels of importance to these based on rather complex data such as the company's loss history and how statistically important the factors have been shown to be for that company. (For example, males are more likely than females to get into accidents. How much more likely depends on still other criteria, such as what kind of cars they drive.) From a mathematical maze of interlocking facts and levels of importance comes a risk level – and corresponding rate plan.
Many states require insurance companies to tell consumers what top factors have been used in determining rates, but your insurer may not even understand the exact significance of some of the numbers, since they often come from outside sources. If you're interested in finding out if credit was used to determine your rates, contact your insurance carrier.
In conclusion, it is very important to stay on top of your credit. Experts recommended that you obtain a credit report at least once a year (see the sidebar on the front page of this newsletter for a special offer for a free credit report). Also, how insurance carriers use your credit differs from company to company, so it’s very important to shop around and compare rates from various carriers.
Does My Credit Affect My Insurance?
We all know that our credit histories will affect whether or not we get the loan we need to buy a house (or car, boat, etc.) or refinance an existing loan, but what most people don't realize is that credit histories can also affect how much we pay for auto insurance. Not only can it affect our rates, but it may even impact whether we can get insurance at all (or whether our insurance company chooses to renew our policy), at least from some companies.
Increasingly, insurance companies are using credit reports to develop credit "scoring systems" that classify consumers based on several factors. As a consumer, how you're classified – whether you fall into a preferred, average, or high-risk class – can impact what rate an insurance company charges you.
The use of credit scores in insurance rating became commonplace over a decade ago with homeowners insurance. It grew out of companies' attempts to create rating plans that would assess risk levels as accurately as possible, in order to predict their own expenses as well as charge appropriate rates. Banks and other financial institutions had long used credit information in determining risk on business such as home loans, and the correlation between those financial records and insurance risks became clear. The trend moved into the auto insurance industry, and as soon as the math was done, insurers realized they were onto something.
The laws and regulations that govern insurance are set at the state level, so where you live determines what information companies can gather and how they can use it, as well as what your rights are. Generally, in states where credit may be used for underwriting and/or payment options, insurance companies use your credit information like this: They plug basic credit information (such as bankruptcies, missed payments, the number of cards you have and how much activity they see) into formulas that also take into account your accident history, years you have been driving, where you live, your age, gender and assorted other relevant facts about you.
The formulas assign varying levels of importance to these based on rather complex data such as the company's loss history and how statistically important the factors have been shown to be for that company. (For example, males are more likely than females to get into accidents. How much more likely depends on still other criteria, such as what kind of cars they drive.) From a mathematical maze of interlocking facts and levels of importance comes a risk level – and corresponding rate plan.
Many states require insurance companies to tell consumers what top factors have been used in determining rates, but your insurer may not even understand the exact significance of some of the numbers, since they often come from outside sources. If you're interested in finding out if credit was used to determine your rates, contact your insurance carrier.
In conclusion, it is very important to stay on top of your credit. Experts recommended that you obtain a credit report at least once a year (see the sidebar on the front page of this newsletter for a special offer for a free credit report). Also, how insurance carriers use your credit differs from company to company, so it’s very important to shop around and compare rates from various carriers.
Increasingly, insurance companies are using credit reports to develop credit "scoring systems" that classify consumers based on several factors. As a consumer, how you're classified – whether you fall into a preferred, average, or high-risk class – can impact what rate an insurance company charges you.
The use of credit scores in insurance rating became commonplace over a decade ago with homeowners insurance. It grew out of companies' attempts to create rating plans that would assess risk levels as accurately as possible, in order to predict their own expenses as well as charge appropriate rates. Banks and other financial institutions had long used credit information in determining risk on business such as home loans, and the correlation between those financial records and insurance risks became clear. The trend moved into the auto insurance industry, and as soon as the math was done, insurers realized they were onto something.
The laws and regulations that govern insurance are set at the state level, so where you live determines what information companies can gather and how they can use it, as well as what your rights are. Generally, in states where credit may be used for underwriting and/or payment options, insurance companies use your credit information like this: They plug basic credit information (such as bankruptcies, missed payments, the number of cards you have and how much activity they see) into formulas that also take into account your accident history, years you have been driving, where you live, your age, gender and assorted other relevant facts about you.
The formulas assign varying levels of importance to these based on rather complex data such as the company's loss history and how statistically important the factors have been shown to be for that company. (For example, males are more likely than females to get into accidents. How much more likely depends on still other criteria, such as what kind of cars they drive.) From a mathematical maze of interlocking facts and levels of importance comes a risk level – and corresponding rate plan.
Many states require insurance companies to tell consumers what top factors have been used in determining rates, but your insurer may not even understand the exact significance of some of the numbers, since they often come from outside sources. If you're interested in finding out if credit was used to determine your rates, contact your insurance carrier.
In conclusion, it is very important to stay on top of your credit. Experts recommended that you obtain a credit report at least once a year (see the sidebar on the front page of this newsletter for a special offer for a free credit report). Also, how insurance carriers use your credit differs from company to company, so it’s very important to shop around and compare rates from various carriers.
Shopping For A Safer Car
Unfortunately, car crashes are a reality of the road. But you can reduce or eliminate the risk and severity of injuries resulting from a car accident by choosing a safer car.
It's impossible to pinpoint THE safest car on the road, but different vehicle characteristics make some cars safer than others. Several factors contribute to a car's safety:
Vehicle Structural Design indicates a car's crashworthiness. Among the factors contributing to good structural design are:
A strong safety cage.
Front and rear "crumple zones" designed to buckle and bend in serious crashes to absorb crash forces.
Vehicle Size and Weight are important characteristics that contribute to crashworthiness. Generally speaking, larger and heavier vehicles are safer than smaller, lighter ones.
Restraint Systems like seat belts, air bags, and headrests work together to protect people in serious crashes. Belts hold you in place, air bags provide additional restraint, and headrests protect your head and neck from being snapped back and injured.
Crash Avoidance Features like brakes, lights, and turn signals are essential, but you may want to consider some other advanced features that may reduce crashes:
Antilock Brakes offer steering control. They prevent a driver from skidding or losing control of the vehicle, and in many circumstances let the driver stop sooner.
Daytime Running Lights increase the contrast between vehicles and their backgrounds, making vehicles more visible to oncoming drivers.
The bottom line:
Even if you drive well, use your mirrors responsibly, and carefully follow your car's maintenance schedule, accidents may still happen. Protect yourself. Choose an automobile with the most important safety features available—those that reduce the risk of death or serious injury resulting from a crash
It's impossible to pinpoint THE safest car on the road, but different vehicle characteristics make some cars safer than others. Several factors contribute to a car's safety:
Vehicle Structural Design indicates a car's crashworthiness. Among the factors contributing to good structural design are:
A strong safety cage.
Front and rear "crumple zones" designed to buckle and bend in serious crashes to absorb crash forces.
Vehicle Size and Weight are important characteristics that contribute to crashworthiness. Generally speaking, larger and heavier vehicles are safer than smaller, lighter ones.
Restraint Systems like seat belts, air bags, and headrests work together to protect people in serious crashes. Belts hold you in place, air bags provide additional restraint, and headrests protect your head and neck from being snapped back and injured.
Crash Avoidance Features like brakes, lights, and turn signals are essential, but you may want to consider some other advanced features that may reduce crashes:
Antilock Brakes offer steering control. They prevent a driver from skidding or losing control of the vehicle, and in many circumstances let the driver stop sooner.
Daytime Running Lights increase the contrast between vehicles and their backgrounds, making vehicles more visible to oncoming drivers.
The bottom line:
Even if you drive well, use your mirrors responsibly, and carefully follow your car's maintenance schedule, accidents may still happen. Protect yourself. Choose an automobile with the most important safety features available—those that reduce the risk of death or serious injury resulting from a crash
Crash Tests & Your Safety
Today's combination of congested roads, aggressive drivers, and increased variety of automobiles leads to the inevitable: accidents. Passenger vehicles are now designed to be more crashworthy than ever – thanks, in large part, to the Insurance Institute for Highway Safety (IIHS).
For more than 25 years, the IIHS has researched cars and drivers in order to improve safety for vehicles and passengers. Much of this research is done with crash testing. In 1992, the IIHS opened its own crash testing facility, equipped with specialized technologies to perform, film, and analyze the results of virtually any kind of crash.
IIHS crash tests are complex and precise. Among other factors and variables, their tests use:
Various-sized cars with different weights, closely resembling the real assortment of vehicles on the road.
Mannequins ("dummies") equipped with sensors and measuring devices that closely mirror human responses to a multitude of impacts.
Whole vehicles and vehicle parts (air bags, head rests - even sun visors!) that are closely examined for effectiveness.
Diverse crash speeds, impact angles, and circumstances.
Test results tell auto manufacturers how to improve crash resistance and safety design for new models. And, as more safety features become standard, many new passenger vehicles are equipped with safety features once considered "extras."
For more information on the IIHS,
For more than 25 years, the IIHS has researched cars and drivers in order to improve safety for vehicles and passengers. Much of this research is done with crash testing. In 1992, the IIHS opened its own crash testing facility, equipped with specialized technologies to perform, film, and analyze the results of virtually any kind of crash.
IIHS crash tests are complex and precise. Among other factors and variables, their tests use:
Various-sized cars with different weights, closely resembling the real assortment of vehicles on the road.
Mannequins ("dummies") equipped with sensors and measuring devices that closely mirror human responses to a multitude of impacts.
Whole vehicles and vehicle parts (air bags, head rests - even sun visors!) that are closely examined for effectiveness.
Diverse crash speeds, impact angles, and circumstances.
Test results tell auto manufacturers how to improve crash resistance and safety design for new models. And, as more safety features become standard, many new passenger vehicles are equipped with safety features once considered "extras."
For more information on the IIHS,
Do You Know How To Share The Road With A Big Rig?
Most children are thrilled when they see a big truck on the highway. The size of the wheels and the truck's powerful rumble are a wonder to small eyes and ears. It's no surprise that so many little ones want to grow up to be truck drivers.
Adults, though, aren't always so happy to see a large truck approach. Even the most confident drivers may feel uncomfortable when they find themselves encountering a big rig.
There are, however, ways you can safely share the road with trucks. Learn them and you'll likely be more comfortable on the highway – at ease with even the largest 18-wheeler.
A Little Knowledge Could Save Your Life
The National Highway and Traffic Safety Administration indicates that in almost three out of four fatal accidents involving a truck and one or more vehicles, the mishap is caused by a vehicle other than the truck. So it's essential that you're aware of ways to make your drive a safer one. According to John Deere Transportation Insurance, if car drivers know and live by the following, the frequency of accidents will be reduced:
Exit behind trucks. Slowing down and exiting or turning behind a truck – or any other vehicle – won't increase your drive time by more than a few moments. Speeding up to make it to an exit first might save you a few seconds, but that action increases the probability of an accident. It may force you to cut off the other driver, removing his or her cushion of safety – and your own.
Always pass a truck on the left side. Passing any vehicle – especially a truck – on the right is like asking for an accident.
Don't linger while passing. If you don't pull ahead quickly when passing, your position makes it impossible for a trucker to take evasive action if an obstacle appears in the road ahead.
Realize that large vehicles may be moving faster than they appear. Many accidents occur at intersections because a car driver underestimates the speed of an approaching truck.
Respect a trucker's blind spots. Many motorists falsely assume that truckers can see the road better because they sit twice as high as the driver of a car. While truckers do enjoy a better forward view and have bigger mirrors, they still have serious blind spots. A car can disappear from view up to 20 feet in front of the cab, on either side of the tractor-trailer (particularly alongside the cab), and up to 200 feet in the rear. Remember that if you can't see the truck driver in his or her side mirror, the driver can't see you.
Don't tailgate. Tailgating takes away your own cushion of safety.
Observe a truck's turn signals. Due to the length of their vehicles, tractor-trailer drivers must often swing out to the left as the first step in making a right turn.
Remember that it takes truckers more time to accelerate, to brake, and to change lanes. A loaded tractor-trailer with hot brakes that is traveling 55 miles per hour may need up to 430 feet to come to a complete stop. A passenger car needs less than 200 feet to do the same. And a car can complete a lane change in mere seconds, while a trucker must employ a more detailed and time-consuming lane-change process.
Use Your Turn Signals and Your Patience
Drivers of all types of vehicles should use their often-neglected turn signals to indicate upcoming turns and lane changes. The signals should be checked periodically to ensure that they work properly. And every motorist should realize that driving always requires one's full attention, says Bill Hudgins, editorial director of Road King magazine, a national publication for professional truck drivers. Hudgins says drivers who can't wait to engage in another activity, such as eating, fixing hair, or reading a newspaper have caused many accidents. "Along with courtesy," he explains, "patience is perhaps the greatest virtue for any driver."
Adults, though, aren't always so happy to see a large truck approach. Even the most confident drivers may feel uncomfortable when they find themselves encountering a big rig.
There are, however, ways you can safely share the road with trucks. Learn them and you'll likely be more comfortable on the highway – at ease with even the largest 18-wheeler.
A Little Knowledge Could Save Your Life
The National Highway and Traffic Safety Administration indicates that in almost three out of four fatal accidents involving a truck and one or more vehicles, the mishap is caused by a vehicle other than the truck. So it's essential that you're aware of ways to make your drive a safer one. According to John Deere Transportation Insurance, if car drivers know and live by the following, the frequency of accidents will be reduced:
Exit behind trucks. Slowing down and exiting or turning behind a truck – or any other vehicle – won't increase your drive time by more than a few moments. Speeding up to make it to an exit first might save you a few seconds, but that action increases the probability of an accident. It may force you to cut off the other driver, removing his or her cushion of safety – and your own.
Always pass a truck on the left side. Passing any vehicle – especially a truck – on the right is like asking for an accident.
Don't linger while passing. If you don't pull ahead quickly when passing, your position makes it impossible for a trucker to take evasive action if an obstacle appears in the road ahead.
Realize that large vehicles may be moving faster than they appear. Many accidents occur at intersections because a car driver underestimates the speed of an approaching truck.
Respect a trucker's blind spots. Many motorists falsely assume that truckers can see the road better because they sit twice as high as the driver of a car. While truckers do enjoy a better forward view and have bigger mirrors, they still have serious blind spots. A car can disappear from view up to 20 feet in front of the cab, on either side of the tractor-trailer (particularly alongside the cab), and up to 200 feet in the rear. Remember that if you can't see the truck driver in his or her side mirror, the driver can't see you.
Don't tailgate. Tailgating takes away your own cushion of safety.
Observe a truck's turn signals. Due to the length of their vehicles, tractor-trailer drivers must often swing out to the left as the first step in making a right turn.
Remember that it takes truckers more time to accelerate, to brake, and to change lanes. A loaded tractor-trailer with hot brakes that is traveling 55 miles per hour may need up to 430 feet to come to a complete stop. A passenger car needs less than 200 feet to do the same. And a car can complete a lane change in mere seconds, while a trucker must employ a more detailed and time-consuming lane-change process.
Use Your Turn Signals and Your Patience
Drivers of all types of vehicles should use their often-neglected turn signals to indicate upcoming turns and lane changes. The signals should be checked periodically to ensure that they work properly. And every motorist should realize that driving always requires one's full attention, says Bill Hudgins, editorial director of Road King magazine, a national publication for professional truck drivers. Hudgins says drivers who can't wait to engage in another activity, such as eating, fixing hair, or reading a newspaper have caused many accidents. "Along with courtesy," he explains, "patience is perhaps the greatest virtue for any driver."
Driving While Drowsy
Most of us know that sleep is essential to our health, energy level, and attentiveness. Yet millions of people simply don’t get enough sleep each night. The National Sleep Foundation (NSF) reports that nearly two-thirds of American adults experience a sleep problem a few nights a week or more. In fact, 43 percent of adults say they are so sleepy during the day that it interferes with their daily activities a few days a month or more. This lack of sleep can be especially hazardous on the road.
The U.S. National Highway Traffic Safety Administration estimates that fatigued drivers contribute to approximately 100,000 highway crashes, causing 71,000 injuries and 1,500 deaths each year.
Like drugs and alcohol, sleepiness contributes to collisions because it slows reaction time, decreases awareness, and impairs judgment. The NSF reports that sleepy drivers are more tense and impatient and may even be driving faster when they should really be stopping to rest. Research also shows that sleep-related crashes are most common in younger drivers since young people tend to stay up later, sleep too little, and drive at night.
One reason that driving drowsy is such a danger is that it’s difficult to stop yourself from nodding off when you haven’t slept enough. While you may feel that you can force yourself to stay awake, you can easily doze off without even realizing it. And, when you’re driving, closing your eyes for even a second can be disastrous.
The best strategy to cope with fatigue while on the road is simply to pull over in a safe place and take a short nap. However, according to the NSF's 2000 poll, only 22 percent of drivers report doing that. The majority, some 63 percent, look to caffeine for relief from fatigue, but stimulants like caffeine are no substitute for sleep. While drinking a cup of coffee or a can of soda may help you feel more alert, the effects are temporary. In fact, even if you drink coffee, if you are seriously sleep-deprived, you may experience "micro-sleeps"—brief naps that last only four or five seconds. At 55 miles an hour, you can travel more than 100 yards while you’re taking that five-second nap.
Besides monitoring your own level of alertness, you should also be cautious of other sleep-deprived drivers on the road. In the NSF’s poll, half of all adults surveyed reported driving while drowsy in the past year. And, among 18-to 29-year-olds surveyed, 24 percent reported that at some time they had dozed off while driving during the past year. So, if you observe drivers drifting from lane to lane or jerking their vehicles back into their lane, realize that they may be in danger of falling asleep and stay clear of them.
Six Ways to Stay Alert Behind the Wheel
The National Sleep Foundation offers these tips to help you stay awake while driving:
1. Get a good night’s sleep each night. (Sleep experts recommend at least eight hours of sleep a night in order to function properly, yet a full third of American adults sleep six hours or less nightly during the work week.)
2. Learn to recognize and pay attention to the warning signs of fatigue. Take a break if you experience wandering or disconnected thoughts, yawn repeatedly, have difficulty focusing or keeping your eyes open, or find yourself missing traffic signs or tailgating other drivers.
3. Don't count on tricks like turning up the radio or opening the window for fresh air to keep you awake—these things will help for only a short while.
4. If you’re planning on driving a long distance, drive during the time of the day when you are normally awake.
5. Also, if possible, have someone accompany you and talk with that person while driving. It's a good idea for your passenger to stay awake, too, so that he or she can let you know if you are showing signs of sleepiness.
6. On longer trips, schedule a break (in a safe area) every two hours or every 100 miles and stop sooner if you show any signs of sleepiness.
Content provided by Amica Mutual Insurance Company.
The U.S. National Highway Traffic Safety Administration estimates that fatigued drivers contribute to approximately 100,000 highway crashes, causing 71,000 injuries and 1,500 deaths each year.
Like drugs and alcohol, sleepiness contributes to collisions because it slows reaction time, decreases awareness, and impairs judgment. The NSF reports that sleepy drivers are more tense and impatient and may even be driving faster when they should really be stopping to rest. Research also shows that sleep-related crashes are most common in younger drivers since young people tend to stay up later, sleep too little, and drive at night.
One reason that driving drowsy is such a danger is that it’s difficult to stop yourself from nodding off when you haven’t slept enough. While you may feel that you can force yourself to stay awake, you can easily doze off without even realizing it. And, when you’re driving, closing your eyes for even a second can be disastrous.
The best strategy to cope with fatigue while on the road is simply to pull over in a safe place and take a short nap. However, according to the NSF's 2000 poll, only 22 percent of drivers report doing that. The majority, some 63 percent, look to caffeine for relief from fatigue, but stimulants like caffeine are no substitute for sleep. While drinking a cup of coffee or a can of soda may help you feel more alert, the effects are temporary. In fact, even if you drink coffee, if you are seriously sleep-deprived, you may experience "micro-sleeps"—brief naps that last only four or five seconds. At 55 miles an hour, you can travel more than 100 yards while you’re taking that five-second nap.
Besides monitoring your own level of alertness, you should also be cautious of other sleep-deprived drivers on the road. In the NSF’s poll, half of all adults surveyed reported driving while drowsy in the past year. And, among 18-to 29-year-olds surveyed, 24 percent reported that at some time they had dozed off while driving during the past year. So, if you observe drivers drifting from lane to lane or jerking their vehicles back into their lane, realize that they may be in danger of falling asleep and stay clear of them.
Six Ways to Stay Alert Behind the Wheel
The National Sleep Foundation offers these tips to help you stay awake while driving:
1. Get a good night’s sleep each night. (Sleep experts recommend at least eight hours of sleep a night in order to function properly, yet a full third of American adults sleep six hours or less nightly during the work week.)
2. Learn to recognize and pay attention to the warning signs of fatigue. Take a break if you experience wandering or disconnected thoughts, yawn repeatedly, have difficulty focusing or keeping your eyes open, or find yourself missing traffic signs or tailgating other drivers.
3. Don't count on tricks like turning up the radio or opening the window for fresh air to keep you awake—these things will help for only a short while.
4. If you’re planning on driving a long distance, drive during the time of the day when you are normally awake.
5. Also, if possible, have someone accompany you and talk with that person while driving. It's a good idea for your passenger to stay awake, too, so that he or she can let you know if you are showing signs of sleepiness.
6. On longer trips, schedule a break (in a safe area) every two hours or every 100 miles and stop sooner if you show any signs of sleepiness.
Content provided by Amica Mutual Insurance Company.
Don’t Be A Dangerous Driver!
Roads are becoming more and more congested, and it seems that as traffic grows, so do the amount of aggressive drivers on the road. We’ve all encountered them, drivers who cut us off, tailgate our cars, or run red lights or stop signs, nearly causing a collision. But aggressive driving is not the only danger we face when operating our cars. Hopefully this article will help you become a safer driver overall. And remember, not only do safe drivers help contribute to less danger on the road, they are also charged less for their auto insurance! Tickets, violations and accidents add up to higher insurance premiums. So protect yourself and others by driving safely at all times.
Cell phones. Talking on your cell phone can be a dangerous habit while driving. In fact, some studies show that drivers are four times more likely to get in a serious accident while talking on their cell phone. If you must talk, it is better to have a hands-free device. But, even this can distract you from paying attention to the road. It is best to wait until you have arrived at your destination before making that call. Or, make the call before you leave, or pull over in a safe spot if you must talk while on the road.
Road rage. Increasingly crowded roads, long commutes, and stressful, busy lifestyles are just some of the factors that contribute to what is known as road rage. Road rage occurs when drivers lose control of their emotions and become extremely aggressive as a result. The Insurance Information Institute (III) suggests that if you encounter a particularly aggressive driver, you should (a) not challenge them and (b) stay as far away from them as possible. Try not to drive if you are overly tired or stressed, as this could not only affect your driving, but could also impact your tendency to get unduly enraged while driving.
Drinking and driving. It is estimated that one driver dies every 30 minutes in an alcohol–related traffic crash. That’s why it is so important not to drink and drive. If you plan on drinking, you should always have a designated driver picked in advance. If you don’t, call a taxi or a friend to give you a ride home. It is never a good idea to drink and drive.
Not using the proper safety restraints. It is important to use the safety restraint appropriate for the passenger’s age. We all know that adults in moving vehicles should wear their safety belts at all times. But children must have the proper safety restraints as well.
It is a common misconception that all car seats fit all cars. That is not true. Safety organizations recommend taking car seats out to your car to test them before you buy them. When children are too big for car seats, but not big enough that adult restraints can be worn safely, they must ride in booster seats. It is also important to make sure that your child’s booster seat fits your car before you use it. And remember, all children 12 and under should always sit in the back seat.
Unsafe maneuvers in parking lots. Have you ever been in a parking lot where parking spots are few and far between and competition for them is fierce? Most of us have. Not only can not finding a parking space be stressful, it can also cause us to lose sight of everything but the task at hand, including pedestrians and other cars looking for spots. It can also cause aggressive driving if you and another car end up dueling for a spot. While this situation is obviously frustrating, try to remind yourself that it is not fair to blame others who are dealing with the same crowds you are. Be mindful of everyone’s safety.
It is also common in parking lots and parking spots to back up without properly looking, especially if you’re in a hurry. Be sure you look completely behind you and to each side of your car before slowly backing out of your parking spot.
Driving distracted. There are numerous things that can distract you when you’re driving. Whether it’s a passenger, that bagel you’re trying to scarf down on your way to work, or loud music, your attention is at least partially focused elsewhere. Try to always remember that when you are driving, operating your vehicle and being aware of what’s around you is your primary focus. Try to prevent doing anything that would detract from your focus, whether it’s eating, grooming, talking, or trying to reach that CD that fell on the floor. All of these things can be accomplished in minimal time once you’ve reached your destination and your car is stopped.
Cell phones. Talking on your cell phone can be a dangerous habit while driving. In fact, some studies show that drivers are four times more likely to get in a serious accident while talking on their cell phone. If you must talk, it is better to have a hands-free device. But, even this can distract you from paying attention to the road. It is best to wait until you have arrived at your destination before making that call. Or, make the call before you leave, or pull over in a safe spot if you must talk while on the road.
Road rage. Increasingly crowded roads, long commutes, and stressful, busy lifestyles are just some of the factors that contribute to what is known as road rage. Road rage occurs when drivers lose control of their emotions and become extremely aggressive as a result. The Insurance Information Institute (III) suggests that if you encounter a particularly aggressive driver, you should (a) not challenge them and (b) stay as far away from them as possible. Try not to drive if you are overly tired or stressed, as this could not only affect your driving, but could also impact your tendency to get unduly enraged while driving.
Drinking and driving. It is estimated that one driver dies every 30 minutes in an alcohol–related traffic crash. That’s why it is so important not to drink and drive. If you plan on drinking, you should always have a designated driver picked in advance. If you don’t, call a taxi or a friend to give you a ride home. It is never a good idea to drink and drive.
Not using the proper safety restraints. It is important to use the safety restraint appropriate for the passenger’s age. We all know that adults in moving vehicles should wear their safety belts at all times. But children must have the proper safety restraints as well.
It is a common misconception that all car seats fit all cars. That is not true. Safety organizations recommend taking car seats out to your car to test them before you buy them. When children are too big for car seats, but not big enough that adult restraints can be worn safely, they must ride in booster seats. It is also important to make sure that your child’s booster seat fits your car before you use it. And remember, all children 12 and under should always sit in the back seat.
Unsafe maneuvers in parking lots. Have you ever been in a parking lot where parking spots are few and far between and competition for them is fierce? Most of us have. Not only can not finding a parking space be stressful, it can also cause us to lose sight of everything but the task at hand, including pedestrians and other cars looking for spots. It can also cause aggressive driving if you and another car end up dueling for a spot. While this situation is obviously frustrating, try to remind yourself that it is not fair to blame others who are dealing with the same crowds you are. Be mindful of everyone’s safety.
It is also common in parking lots and parking spots to back up without properly looking, especially if you’re in a hurry. Be sure you look completely behind you and to each side of your car before slowly backing out of your parking spot.
Driving distracted. There are numerous things that can distract you when you’re driving. Whether it’s a passenger, that bagel you’re trying to scarf down on your way to work, or loud music, your attention is at least partially focused elsewhere. Try to always remember that when you are driving, operating your vehicle and being aware of what’s around you is your primary focus. Try to prevent doing anything that would detract from your focus, whether it’s eating, grooming, talking, or trying to reach that CD that fell on the floor. All of these things can be accomplished in minimal time once you’ve reached your destination and your car is stopped.
Don’t Stand In Line At Your State’s Department Of Motor Vehicles
It’s amazing what you can do by simply getting online these days. You can shop for insurance quickly and easily at InsWeb, you can make purchases to have delivered directly to your home, you can pay bills and view account balances. But many drivers may not realize that you can also do a lot of the things online that you used to put off until the last minute because of the long, painful, waiting time that used to be involved when you do them in-person. What are we talking about? Your state’s department of motor vehicles or transportation. Yes, it’s true! You can do many of the things you used to have to do in person right at your state’s website.
Here’s a list of just some of the common things you can do conveniently at your state’s website (remember, departments of motor vehicles or transportation differ from state to state, so check your state’s website to see what it offers in the way of online services):
Order special license plates. At California’s website, for example, you can order (and pay for) a sequential plate (where you can choose a special background and receive a random license plate number) or a personalized plate (special background and a customized license plate number).
Make appointments if you need to go in to your local Department. You’ll always get faster service if you make an appointment instead of just going in and waiting in line. Now you can make appointments conveniently online.
Renew your vehicle’s registration. If you don’t need a smog test or to provide proof of insurance (or if you have already provided these but have not yet paid your registration fee) and you have a major credit card, you can usually renew your vehicle’s registration online. You can also renew your boat, ATV, motorcycle or snowmobile’s registration online.
Renew your driver’s license. In order to renew your driver’s license online, you have to be the person named on the license, not have a change of address (although some states allow you to change your address information online), have received your renewal notice, have your social security number available, and have a major credit card. You also must not be required to come in in-person to take a vision, written or driving test.
Check your information. Many state’s websites will allow you to check the status of the paperwork that your state’s department has on you. By entering your driver’s license number, you can check whether your driver’s license or insurance information is up-to-date in the department’s records, or whether they have received recent updates you have sent in. Some state’s websites also allow you to review your driver history online.
Learn about driving schools in your state. You can check the status of licensing information on various driving schools located in your state.
Register to vote. Many states offer links to your state’s Elections and Voter Information websites, where you may register to vote online.
Handle your traffic citations online. Traffic citations are handled by the county you received the citation in, so if that county allows online payments, you can often find links to do this on your state’s website. Some states also offer the ability to check to make sure the state has received your completed traffic school information.
These are just some of the things you may be able to do online at your state’s department of motor vehicles or transportation website. Check your state’s website for more information. Be a responsible vehicle owner by keeping your driver’s license, registration, and insurance information up-to-date. And lucky for you, this has been made easier by the internet!
Here’s a list of just some of the common things you can do conveniently at your state’s website (remember, departments of motor vehicles or transportation differ from state to state, so check your state’s website to see what it offers in the way of online services):
Order special license plates. At California’s website, for example, you can order (and pay for) a sequential plate (where you can choose a special background and receive a random license plate number) or a personalized plate (special background and a customized license plate number).
Make appointments if you need to go in to your local Department. You’ll always get faster service if you make an appointment instead of just going in and waiting in line. Now you can make appointments conveniently online.
Renew your vehicle’s registration. If you don’t need a smog test or to provide proof of insurance (or if you have already provided these but have not yet paid your registration fee) and you have a major credit card, you can usually renew your vehicle’s registration online. You can also renew your boat, ATV, motorcycle or snowmobile’s registration online.
Renew your driver’s license. In order to renew your driver’s license online, you have to be the person named on the license, not have a change of address (although some states allow you to change your address information online), have received your renewal notice, have your social security number available, and have a major credit card. You also must not be required to come in in-person to take a vision, written or driving test.
Check your information. Many state’s websites will allow you to check the status of the paperwork that your state’s department has on you. By entering your driver’s license number, you can check whether your driver’s license or insurance information is up-to-date in the department’s records, or whether they have received recent updates you have sent in. Some state’s websites also allow you to review your driver history online.
Learn about driving schools in your state. You can check the status of licensing information on various driving schools located in your state.
Register to vote. Many states offer links to your state’s Elections and Voter Information websites, where you may register to vote online.
Handle your traffic citations online. Traffic citations are handled by the county you received the citation in, so if that county allows online payments, you can often find links to do this on your state’s website. Some states also offer the ability to check to make sure the state has received your completed traffic school information.
These are just some of the things you may be able to do online at your state’s department of motor vehicles or transportation website. Check your state’s website for more information. Be a responsible vehicle owner by keeping your driver’s license, registration, and insurance information up-to-date. And lucky for you, this has been made easier by the internet!
Tires: The Often Overlooked Component Of Your Vehicle
When you’re purchasing a car, what are the most important factors to you? Most would say performance, brand, price, appearance, comfort, and maybe even safety. But do you consider what type of tires the vehicle requires before you purchase it? Too many people may not.
It’s simple: different kinds of vehicles require different kinds of tires. It is always a safe bet to get the same type of tires that your vehicle came with. The exception to this rule is if you bought your vehicle used, as the previous owner cannot always be trusted to have the correct type of tires on the vehicle you purchased. Do your research, preferably before you buy the used car. If you do purchase the car, make sure to install the correct tires for this vehicle, if it doesn’t already have them.
For new cars, as discussed above, different kinds of cars come with different tires. SUVs, trucks, passenger cars and high performance cars will all come with tires specific to them. These tires are good for varying conditions, last for varying lengths of time, and cost varying amounts to replace. Make sure you understand the kind of tires your car will require when the time comes to replace them (and make sure to replace them promptly when the time comes). If you want to change the tires on your car to a different type, be sure to do your research and make sure the new type works on your vehicle.
Just like the type of tires the vehicle you are interested in should affect your purchase decision, where you live should also impact your tire decision – i.e. what type of tires you need in your area. Conditions such as extreme heat, frequent rain or snow, or heavy winter weather are some to consider when you are looking to purchase tires, or to purchase a vehicle with its unique tire needs. Most vehicles designated to be sold in a certain area are equipped with tires that are conducive to conditions in that area. Say you bought a car in Southern California, but your job has transferred you to Vail, Colorado. The tires on your car may not be conducive for driving conditions in your new locale. You may need to purchase winter tires or all-season tires. Remember, if you have winter or snow tires on your car, you may need to switch them back to regular tires when the weather changes toward more summer-like conditions.
As discussed above, there are different tire types such as: all-season tires, performance all-season tires, ultra-high-performance tires, winter tires, and tires made specifically for SUVs and pickups. Different drivers have different wants and needs when purchasing tires, or when purchasing cars that require certain tires. If you are purchasing a high-performance sports car, for example, it may not bother you that you have to purchase more expensive tires to maintain this car. Likewise, if you are purchasing a car to perform well in heavy weather conditions, this may be the most important thing to you when it comes to both your vehicle and its tires.
What do you look for when purchasing new tires? Look at the sidewall on your existing tire for important information such as the measure in millimeters of the width of the tire tread, the ratio of the height of the tire to its width, the rim diameter in inches, the load index and the speed rating. See the sidebar in this newsletter for information on decoding this information from the letters and numbers located on your tire’s sidewall.
High Performance Tires
A couple words of caution about high performance tires: typically, these tires not only cost more to replace, they also often wear out more quickly. Be sure you are aware of this if you have this type of tires on your car. It is so important to replace your tires when the tread is worn out. Driving on tires with worn-out tread can be extremely dangerous, especially in severe weather conditions.
Remember, along with coming with different tire needs, different vehicles also come with different insurance rates, and different companies charge different amounts to insure you and your vehicle(s). Be sure to compare rates at InsWeb and find the right policy at the right price for you.
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It’s simple: different kinds of vehicles require different kinds of tires. It is always a safe bet to get the same type of tires that your vehicle came with. The exception to this rule is if you bought your vehicle used, as the previous owner cannot always be trusted to have the correct type of tires on the vehicle you purchased. Do your research, preferably before you buy the used car. If you do purchase the car, make sure to install the correct tires for this vehicle, if it doesn’t already have them.
For new cars, as discussed above, different kinds of cars come with different tires. SUVs, trucks, passenger cars and high performance cars will all come with tires specific to them. These tires are good for varying conditions, last for varying lengths of time, and cost varying amounts to replace. Make sure you understand the kind of tires your car will require when the time comes to replace them (and make sure to replace them promptly when the time comes). If you want to change the tires on your car to a different type, be sure to do your research and make sure the new type works on your vehicle.
Just like the type of tires the vehicle you are interested in should affect your purchase decision, where you live should also impact your tire decision – i.e. what type of tires you need in your area. Conditions such as extreme heat, frequent rain or snow, or heavy winter weather are some to consider when you are looking to purchase tires, or to purchase a vehicle with its unique tire needs. Most vehicles designated to be sold in a certain area are equipped with tires that are conducive to conditions in that area. Say you bought a car in Southern California, but your job has transferred you to Vail, Colorado. The tires on your car may not be conducive for driving conditions in your new locale. You may need to purchase winter tires or all-season tires. Remember, if you have winter or snow tires on your car, you may need to switch them back to regular tires when the weather changes toward more summer-like conditions.
As discussed above, there are different tire types such as: all-season tires, performance all-season tires, ultra-high-performance tires, winter tires, and tires made specifically for SUVs and pickups. Different drivers have different wants and needs when purchasing tires, or when purchasing cars that require certain tires. If you are purchasing a high-performance sports car, for example, it may not bother you that you have to purchase more expensive tires to maintain this car. Likewise, if you are purchasing a car to perform well in heavy weather conditions, this may be the most important thing to you when it comes to both your vehicle and its tires.
What do you look for when purchasing new tires? Look at the sidewall on your existing tire for important information such as the measure in millimeters of the width of the tire tread, the ratio of the height of the tire to its width, the rim diameter in inches, the load index and the speed rating. See the sidebar in this newsletter for information on decoding this information from the letters and numbers located on your tire’s sidewall.
High Performance Tires
A couple words of caution about high performance tires: typically, these tires not only cost more to replace, they also often wear out more quickly. Be sure you are aware of this if you have this type of tires on your car. It is so important to replace your tires when the tread is worn out. Driving on tires with worn-out tread can be extremely dangerous, especially in severe weather conditions.
Remember, along with coming with different tire needs, different vehicles also come with different insurance rates, and different companies charge different amounts to insure you and your vehicle(s). Be sure to compare rates at InsWeb and find the right policy at the right price for you.
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Tips On Selling Your Car
Selling your vehicle? Follow these tips to help ensure a smooth sales process:
Decide how you want to sell your car. These days there are many ways to sell your car. First, you can decide either to trade it into the dealership or to sell it yourself. While selling it to the dealership can be more convenient, you can usually expect to sell it for at least a couple thousand dollars more if you sell it yourself. This article will discuss this option.
When you have made the decision to sell your car yourself, think about the market. Is your car a sports car and/or convertible? If so, these type of cars usually sell best in the summer, and often to people in higher economic categories. Is your car a family car? If so, market specifically to parents. Where do you market it? Well this leads us to our next category…
Decide where and how you want to advertise, and determine a selling price. You can advertise in the classifieds, online, and/or simply with a well placed, readable for sale sign in your car (don’t forget to make the phone number large and legible). Again, think about your market and where they are most likely to view your advertisement. Make sure you are prepared to field offers from the moment you put the car on the market.
To determine a price, visit sites like kbb.com (Kelley Blue Book) or look in the classifieds for similar cars of a comparable age and condition. If you want to sell quickly, undercut those prices a bit. If you’re open to negotiation, determine a minimum offer you would accept, and don’t go under it.
Prepare your car for sale. It’s important to get your car looking its very best. Clean it thoroughly (think about investing in getting it detailed), and consider fixing any minor maintenance problems it may have. If you’re selling it “as is” and it has some maintenance issues, you may have to drop the price a bit.
Also make sure you have all the car’s records prepared. It is a definite plus to buyers to see a well kept maintenance log complete with receipts and records of things like oil changes and tune ups. You could also purchase a vehicle history report to ensure potential buyers that your car was not in any major wrecks.
Sell it! When setting up a time for a potential buyer to view the car, be aware that they will want to take it on a test drive. Make sure to have a short route planned out, to ask to see the potential buyer’s driver’s license, and to accompany the person on the test drive. Some buyers may also want to have the car inspected by a mechanic. It is up to you how to respond to this request.
Decide how you want to sell your car. These days there are many ways to sell your car. First, you can decide either to trade it into the dealership or to sell it yourself. While selling it to the dealership can be more convenient, you can usually expect to sell it for at least a couple thousand dollars more if you sell it yourself. This article will discuss this option.
When you have made the decision to sell your car yourself, think about the market. Is your car a sports car and/or convertible? If so, these type of cars usually sell best in the summer, and often to people in higher economic categories. Is your car a family car? If so, market specifically to parents. Where do you market it? Well this leads us to our next category…
Decide where and how you want to advertise, and determine a selling price. You can advertise in the classifieds, online, and/or simply with a well placed, readable for sale sign in your car (don’t forget to make the phone number large and legible). Again, think about your market and where they are most likely to view your advertisement. Make sure you are prepared to field offers from the moment you put the car on the market.
To determine a price, visit sites like kbb.com (Kelley Blue Book) or look in the classifieds for similar cars of a comparable age and condition. If you want to sell quickly, undercut those prices a bit. If you’re open to negotiation, determine a minimum offer you would accept, and don’t go under it.
Prepare your car for sale. It’s important to get your car looking its very best. Clean it thoroughly (think about investing in getting it detailed), and consider fixing any minor maintenance problems it may have. If you’re selling it “as is” and it has some maintenance issues, you may have to drop the price a bit.
Also make sure you have all the car’s records prepared. It is a definite plus to buyers to see a well kept maintenance log complete with receipts and records of things like oil changes and tune ups. You could also purchase a vehicle history report to ensure potential buyers that your car was not in any major wrecks.
Sell it! When setting up a time for a potential buyer to view the car, be aware that they will want to take it on a test drive. Make sure to have a short route planned out, to ask to see the potential buyer’s driver’s license, and to accompany the person on the test drive. Some buyers may also want to have the car inspected by a mechanic. It is up to you how to respond to this request.
Buying A New Car? Remember To Check Its Insurance Rates First
Automobiles are generally the second largest purchase (next to a house) that a person makes, and there are many factors that you as a consumer should consider when making a decision. Before you become distracted by the myriad of incentives, rebates, extended warranties and convoluted financing terms, do not overlook the cost of insuring the vehicle that you are considering. Insurance rates differ greatly between cars. If the car is safe and performs well in crash tests, is not frequently stolen, and/or has certain safety or anti-theft features, it will generally cost less to insure. If on the other hand the car is flashier, has a history of being frequently stolen, or is more expensive to repair, you can bet your insurance rates will be higher.
Many people overbuy on cars, leaving them straining to make ends meet and forcing them to severely alter their current lifestyle. It is always a good idea to prepare a budget before you even begin looking for a new car. Figure out how much you can afford, and keep in mind that just because you get approved for a certain loan amount does not necessarily mean you can realistically afford the monthly payment. In your budget, include the cost of gas, vehicle maintenance, and of course, the cost of insurance. Determining the ideal monthly payment without recognizing the corresponding cost of insurance is a mistake that could deliver a rude financial awakening coupled with an unpleasant feeling of buyers’ remorse.
It is recommended that you purchase a car using the sound shopping principles of research, comparison, and preparation. Print out any research, including price quotes and trade-in values, and carry it with you when you begin test driving cars. Use the Internet to find multiple sources for shopping, financing, and insuring the various vehicles that you are interested in, and use the following tips to help you in your car buying process:
1. Determine how much you realistically can spend on a car (factoring in the loan payment, insurance, gas, maintenance, etc).
2. Identify which dealers or sellers are offering incentives or rebates.
3. If you are trading in your current vehicle, be sure to check the trade-in value. Remember, there are two different trade-in values: one for selling it to the dealer, and one for selling it privately.
4. Make sure to test drive all the cars you are considering buying. You may be surprised to find you like the way the less expensive (or safer) car drives just as much as the models on your wish list.
5. Shop around and don't impulse-buy. Remain emotionally indifferent and never show the dealer your excitement.
6. Dealerships are not the “end all, be all.” Don’t rely exclusively on them for financing and all other related products and services.
7. Take your time to carefully read all the contractual paperwork during the purchase process. Watch out for all the extra charges the seller might try to build into your contract. If you become confused or overwhelmed, ask for another explanation or give yourself time to discuss with a trusted friend or family member.
8. Although additional safety and anti-theft devices add to the price of vehicle, consider these supplementary devices, as their initial cost may be offset by the savings on your insurance premium.
Ultimately, when you purchase your new vehicle, be sure to shop around for insurance. This is the best way of saving money on insurance. Many people find it easy to stay with the same company for years, but fail to realize they have the potential to save hundreds of dollars each year by comparing quotes from multiple companies. You should shop around at least twice a year to see if you are getting the best deal possible.
Many people overbuy on cars, leaving them straining to make ends meet and forcing them to severely alter their current lifestyle. It is always a good idea to prepare a budget before you even begin looking for a new car. Figure out how much you can afford, and keep in mind that just because you get approved for a certain loan amount does not necessarily mean you can realistically afford the monthly payment. In your budget, include the cost of gas, vehicle maintenance, and of course, the cost of insurance. Determining the ideal monthly payment without recognizing the corresponding cost of insurance is a mistake that could deliver a rude financial awakening coupled with an unpleasant feeling of buyers’ remorse.
It is recommended that you purchase a car using the sound shopping principles of research, comparison, and preparation. Print out any research, including price quotes and trade-in values, and carry it with you when you begin test driving cars. Use the Internet to find multiple sources for shopping, financing, and insuring the various vehicles that you are interested in, and use the following tips to help you in your car buying process:
1. Determine how much you realistically can spend on a car (factoring in the loan payment, insurance, gas, maintenance, etc).
2. Identify which dealers or sellers are offering incentives or rebates.
3. If you are trading in your current vehicle, be sure to check the trade-in value. Remember, there are two different trade-in values: one for selling it to the dealer, and one for selling it privately.
4. Make sure to test drive all the cars you are considering buying. You may be surprised to find you like the way the less expensive (or safer) car drives just as much as the models on your wish list.
5. Shop around and don't impulse-buy. Remain emotionally indifferent and never show the dealer your excitement.
6. Dealerships are not the “end all, be all.” Don’t rely exclusively on them for financing and all other related products and services.
7. Take your time to carefully read all the contractual paperwork during the purchase process. Watch out for all the extra charges the seller might try to build into your contract. If you become confused or overwhelmed, ask for another explanation or give yourself time to discuss with a trusted friend or family member.
8. Although additional safety and anti-theft devices add to the price of vehicle, consider these supplementary devices, as their initial cost may be offset by the savings on your insurance premium.
Ultimately, when you purchase your new vehicle, be sure to shop around for insurance. This is the best way of saving money on insurance. Many people find it easy to stay with the same company for years, but fail to realize they have the potential to save hundreds of dollars each year by comparing quotes from multiple companies. You should shop around at least twice a year to see if you are getting the best deal possible.
Five Great Reasons To Shop Around For Auto Insurance
Shopping around is the #1 way of saving money on insurance. Are you sure you're getting the best deal possible with your current insurance company? Many people find it easy to stay with the same company for years, but fail to realize they have the potential to save hundreds of dollars each year by comparing quotes from multiple companies. You should shop around at least twice a year to see if you are getting the best deal possible. Below are five other great reasons to shop around:
You’ve just moved. Moving is always a stressful time; lots of money to be spent, information to update, packing and moving trucks to arrange, etc. However, in this expensive period of your life, there is at least one thing you can do to cut some expenses – shop around for auto insurance rates. Are you paying too much for your auto insurance? Your new address makes this the perfect time to find out, as rates can change when you move, and you have to update your policy anyway. Why might your rates change at your new address? Because rates in various locations differ for various reasons. For example, auto insurance rates in rural communities are almost always lower than those in large urban centers. Accidents tend to happen much more frequently in big cities, due to the number of cars on the road (AKA: Traffic!)
You may be moving to a new state, and your current auto insurance company may not be a licensed insurance provider in that state, or if they are, the rates they offer may be much higher. Certain states have higher insurance rates than others due to the percentage of claims filed. States like New Jersey, Washington D.C., New York and Massachusetts typically have the highest average insurance rates.
It can also cost more to settle claims in certain areas, and this can add to the cost of your insurance premiums. Expensive cars cost more to repair or replace, and wealthy urban communities will sometimes have higher average insurance rates. Regardless of whether you’re moving to a new state or just across town, now is the perfect time to compare multiple rates and find the lowest one. Rates can differ by hundreds of dollars from company to company.
You’ve bought a new car. There are a lot of things to consider when you are thinking of buying a new car; what kind you want to get, what monthly payments you can afford, what features are the most important to you, etc. But one thing most people don’t think of is to check the new car’s insurance rates. Or if you are deciding between several different makes and models, to compare insurance rates for each. InsWeb’s quick and easy online marketplace is the perfect place to do this. You can easily check rates for your potential new vehicle(s), and you can save your information so you can activate a policy quickly if you decide to purchase. Most dealerships need proof of insurance on the car before they let you drive it off the lot.
Insurance rates differ greatly between cars. If the car is safe and performs well in crash tests, is not frequently stolen, and/or has certain safety or anti-theft features, it will generally cost less to insure. If the car is flashier, has a history of being frequently stolen, or is more expensive to repair, you can bet your insurance rates will be higher.
You’ve just gotten married. It’s an exciting time in your life, and not one that you might want to think about things like insurance. However, after shelling out all that money for your wedding and/or honeymoon, why not find out if you can save some money by combining your auto insurance policies? Most insurance companies offer discounts when you insure more than one car on the same policy. It’s a good idea to shop around and compare quotes and see who can offer you and your new spouse the best deal.
This can also apply to anyone you are adding to your policy. If you have a child who just got his or her driver’s license, are adding a live-in parent to your policy, etc., it’s a good idea to shop around and see which company will offer you the best rates for your multiple driver policy.
You’ve just Retired, Changed Occupation, etc. Retirement is often a good time to reexamine your auto insurance policy. Many auto insurance companies offer discounts to drivers 55 and over. Also consider whether you have other discounts that are now applicable, such as a student with good grades on your policy, a car that is rarely driven (which could mean a low mileage discount), or if you or another driver on your policy have changed occupations to something such as a engineer, scientist, mathematician, teacher, or member of the military. Many companies offer discounts to people in these professions. Discounts differ from company to company, so be sure to shop around and find out who can offer you the lowest rates for your personal situation.
You just think your rates are too high. Ever been chatting with a friend or colleague about auto insurance rates and realized that they paid way less than you? While rates can differ from consumer to consumer based on numerous factors, you very well may be paying too much for your auto insurance. What’s the only way to find out? By shopping around and comparing rates. What’s the quickest way to do all this shopping at once? By utilizing InsWeb’s easy-to-use online marketplace.
You’ve just moved. Moving is always a stressful time; lots of money to be spent, information to update, packing and moving trucks to arrange, etc. However, in this expensive period of your life, there is at least one thing you can do to cut some expenses – shop around for auto insurance rates. Are you paying too much for your auto insurance? Your new address makes this the perfect time to find out, as rates can change when you move, and you have to update your policy anyway. Why might your rates change at your new address? Because rates in various locations differ for various reasons. For example, auto insurance rates in rural communities are almost always lower than those in large urban centers. Accidents tend to happen much more frequently in big cities, due to the number of cars on the road (AKA: Traffic!)
You may be moving to a new state, and your current auto insurance company may not be a licensed insurance provider in that state, or if they are, the rates they offer may be much higher. Certain states have higher insurance rates than others due to the percentage of claims filed. States like New Jersey, Washington D.C., New York and Massachusetts typically have the highest average insurance rates.
It can also cost more to settle claims in certain areas, and this can add to the cost of your insurance premiums. Expensive cars cost more to repair or replace, and wealthy urban communities will sometimes have higher average insurance rates. Regardless of whether you’re moving to a new state or just across town, now is the perfect time to compare multiple rates and find the lowest one. Rates can differ by hundreds of dollars from company to company.
You’ve bought a new car. There are a lot of things to consider when you are thinking of buying a new car; what kind you want to get, what monthly payments you can afford, what features are the most important to you, etc. But one thing most people don’t think of is to check the new car’s insurance rates. Or if you are deciding between several different makes and models, to compare insurance rates for each. InsWeb’s quick and easy online marketplace is the perfect place to do this. You can easily check rates for your potential new vehicle(s), and you can save your information so you can activate a policy quickly if you decide to purchase. Most dealerships need proof of insurance on the car before they let you drive it off the lot.
Insurance rates differ greatly between cars. If the car is safe and performs well in crash tests, is not frequently stolen, and/or has certain safety or anti-theft features, it will generally cost less to insure. If the car is flashier, has a history of being frequently stolen, or is more expensive to repair, you can bet your insurance rates will be higher.
You’ve just gotten married. It’s an exciting time in your life, and not one that you might want to think about things like insurance. However, after shelling out all that money for your wedding and/or honeymoon, why not find out if you can save some money by combining your auto insurance policies? Most insurance companies offer discounts when you insure more than one car on the same policy. It’s a good idea to shop around and compare quotes and see who can offer you and your new spouse the best deal.
This can also apply to anyone you are adding to your policy. If you have a child who just got his or her driver’s license, are adding a live-in parent to your policy, etc., it’s a good idea to shop around and see which company will offer you the best rates for your multiple driver policy.
You’ve just Retired, Changed Occupation, etc. Retirement is often a good time to reexamine your auto insurance policy. Many auto insurance companies offer discounts to drivers 55 and over. Also consider whether you have other discounts that are now applicable, such as a student with good grades on your policy, a car that is rarely driven (which could mean a low mileage discount), or if you or another driver on your policy have changed occupations to something such as a engineer, scientist, mathematician, teacher, or member of the military. Many companies offer discounts to people in these professions. Discounts differ from company to company, so be sure to shop around and find out who can offer you the lowest rates for your personal situation.
You just think your rates are too high. Ever been chatting with a friend or colleague about auto insurance rates and realized that they paid way less than you? While rates can differ from consumer to consumer based on numerous factors, you very well may be paying too much for your auto insurance. What’s the only way to find out? By shopping around and comparing rates. What’s the quickest way to do all this shopping at once? By utilizing InsWeb’s easy-to-use online marketplace.
The Top Five Ways To Save On Your Auto Insurance
It’s a new year, and it’s time to get your finances in order. Why not start out by saving some money on your auto insurance? The average consumer saves up to $301 on a six-month policy after shopping around and purchasing a new auto insurance policy from one of the top companies at InsWeb.*
Here are InsWeb’s top five ways save money on your auto insurance.
1. Shopping Around
This is the #1 way of saving money on insurance. Are you sure you're getting the best deal possible with your current insurance company? Many people find it easy to stay with the same company for years, but fail to realize they have the potential to save hundreds of dollars each year by comparing quotes from multiple companies. You should shop around at least twice a year to see if you are getting the best deal possible.
2. Multi-Policy Insurance
Various insurance companies offer various discounts if you insure more than one vehicle on a single policy, or if you have your home insured with the same company that insures your vehicle(s).
3. The Higher the Deductible, the Less $ Out of your Pocket?
Yes, it's true; the higher your deductible is, the lower your premium. However, you must be careful not to get in accidents with a higher deductible, as this is the amount that will come out of your pocket before your insurance company starts paying for the rest of the covered damage to your vehicle. If you find yourself with more financial comfort in the future, you might think of lowering the deductible(s) you raised when you needed to save money.
4. Check Before Buying
Before you buy a new vehicle, compare insurance quotes. This way you can see how much it will cost to insure (and possibly change your mind if you find a vehicle with a lower rate) and have quotes to return to if you end up buying the vehicle and need to quickly insure it. High profile cars, cars that commonly have parts stolen, and cars that are expensive to fix will cost you more to insure.
5. Discounts, discounts, discounts.
There are many discounts available to drivers. See the box below for a substantive list:
Common Discounts:
The Good Driver Discount
As most of us know, the better we drive, the better our rates will be. Most insurance companies offer discounts to drivers who have not had accidents or received tickets in the last 3-5 years.
The Safe Vehicle Discount
Many companies offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes.
The Good Student Discount
Students currently enrolled in school often receive a discount on auto insurance for their good grades; as many companies feel conscientious students make conscientious drivers.
The Senior Discount
Many insurance companies offer discounts to drivers over 50.
Low Mileage Discounts
Some insurance companies will offer discounts on vehicles that incur low annual mileage. Many companies have a predetermined number of what they consider low mileage.
Rural Discounts
It is almost always cheaper to insure a vehicle in a rural area. Most accidents happen in larger cities, which means if you are a city-dweller, expect higher rates. This also applies to areas where car theft is most common. Generally, residents of these areas will likely be charged higher rates, which is commensurate with the higher risk.
Occupational Discounts
Many companies offer discounts to people with certain degrees, such as engineers, scientists, and mathematicians. Historically people in these professions have been less likely to get in accidents. Likewise, many auto companies offer discounts to certified teachers and to people in the military (both active and retired).
The Internet Discount
Many insurance companies offer discounts to consumers who sign up for coverage online. Likewise, companies like InsWeb that offer you multiple quotes are able to show the lowest rates available from their various participating carriers for you to insure your vehicle(s).
Auto Club/Professional Organization Membership Discounts
Many carriers offer discounts to people who are members of auto clubs (such as AAA) and other professional organizations.
Start saving on your auto insurance today! And when you talk to an insurance representative, be sure to ask if any of the above discounts can be applied to your new policy and further lower your rates!
Here are InsWeb’s top five ways save money on your auto insurance.
1. Shopping Around
This is the #1 way of saving money on insurance. Are you sure you're getting the best deal possible with your current insurance company? Many people find it easy to stay with the same company for years, but fail to realize they have the potential to save hundreds of dollars each year by comparing quotes from multiple companies. You should shop around at least twice a year to see if you are getting the best deal possible.
2. Multi-Policy Insurance
Various insurance companies offer various discounts if you insure more than one vehicle on a single policy, or if you have your home insured with the same company that insures your vehicle(s).
3. The Higher the Deductible, the Less $ Out of your Pocket?
Yes, it's true; the higher your deductible is, the lower your premium. However, you must be careful not to get in accidents with a higher deductible, as this is the amount that will come out of your pocket before your insurance company starts paying for the rest of the covered damage to your vehicle. If you find yourself with more financial comfort in the future, you might think of lowering the deductible(s) you raised when you needed to save money.
4. Check Before Buying
Before you buy a new vehicle, compare insurance quotes. This way you can see how much it will cost to insure (and possibly change your mind if you find a vehicle with a lower rate) and have quotes to return to if you end up buying the vehicle and need to quickly insure it. High profile cars, cars that commonly have parts stolen, and cars that are expensive to fix will cost you more to insure.
5. Discounts, discounts, discounts.
There are many discounts available to drivers. See the box below for a substantive list:
Common Discounts:
The Good Driver Discount
As most of us know, the better we drive, the better our rates will be. Most insurance companies offer discounts to drivers who have not had accidents or received tickets in the last 3-5 years.
The Safe Vehicle Discount
Many companies offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes.
The Good Student Discount
Students currently enrolled in school often receive a discount on auto insurance for their good grades; as many companies feel conscientious students make conscientious drivers.
The Senior Discount
Many insurance companies offer discounts to drivers over 50.
Low Mileage Discounts
Some insurance companies will offer discounts on vehicles that incur low annual mileage. Many companies have a predetermined number of what they consider low mileage.
Rural Discounts
It is almost always cheaper to insure a vehicle in a rural area. Most accidents happen in larger cities, which means if you are a city-dweller, expect higher rates. This also applies to areas where car theft is most common. Generally, residents of these areas will likely be charged higher rates, which is commensurate with the higher risk.
Occupational Discounts
Many companies offer discounts to people with certain degrees, such as engineers, scientists, and mathematicians. Historically people in these professions have been less likely to get in accidents. Likewise, many auto companies offer discounts to certified teachers and to people in the military (both active and retired).
The Internet Discount
Many insurance companies offer discounts to consumers who sign up for coverage online. Likewise, companies like InsWeb that offer you multiple quotes are able to show the lowest rates available from their various participating carriers for you to insure your vehicle(s).
Auto Club/Professional Organization Membership Discounts
Many carriers offer discounts to people who are members of auto clubs (such as AAA) and other professional organizations.
Start saving on your auto insurance today! And when you talk to an insurance representative, be sure to ask if any of the above discounts can be applied to your new policy and further lower your rates!
Is Your Car On The “Most Stolen” List?
There are many factors that influence our auto insurance costs, including what car we drive and where we live. When it comes to the car we drive, one of the factors that insurers consider is whether that car is frequently stolen. If your car is on the list of most stolen vehicles, most insurance companies will charge you a higher rate to insure it.
Non-profit organizations such as the National Insurance Crime Bureau (NICB) track the most stolen vehicles in America by tallying all cars that are reported stolen by law enforcement agencies each year.
The NICB's current top ten list of the most stolen vehicles nationwide is as follows:
1995 Honda Civic
1989 Toyota Camry
1991 Honda Accord
1994 Dodge Caravan
1994 Chevrolet Full Size C/K 1500 Pickup
1997 Ford F150 Series
2003 Dodge Ram Pickup
1990 Acura Integra
1988 Toyota Pickup
1991 Nissan Sentra
The NICB reports that 1,237,114 vehicles were reported stolen in 2004, a decrease of 23,357 vehicles from 2003 figures. While this decrease in auto theft is a positive sign, it still means that a vehicle is stolen in the U.S every 25.5 seconds.
Even if your car is high on this list – You CAN protect it!
There are a number of measures you can take to help safeguard your car from being stolen, even from the most experienced thief. It is extremely important for drivers to protect themselves by installing devices such as steering wheel locks, alarms, cut-off switches, fuel disablers, and tracking devices that give police the location of a stolen vehicle. Not only could they save your car from being stolen or help authorities find it if it is, but they could also lower your insurance costs. Think about it, can you imagine what you would do without your car for even a week? Don’t let these professional thieves profit from the car you count on to get you to all the places you need to go.
Data is from the National Insurance Crime Bureau (NICB); and lists are based on the November 7, 2005 release of comprehensive 2004 vehicle data. Visit www.nicb.org for additional information, including recommended layers of protection, state-by-state breakdowns, and more.
Non-profit organizations such as the National Insurance Crime Bureau (NICB) track the most stolen vehicles in America by tallying all cars that are reported stolen by law enforcement agencies each year.
The NICB's current top ten list of the most stolen vehicles nationwide is as follows:
1995 Honda Civic
1989 Toyota Camry
1991 Honda Accord
1994 Dodge Caravan
1994 Chevrolet Full Size C/K 1500 Pickup
1997 Ford F150 Series
2003 Dodge Ram Pickup
1990 Acura Integra
1988 Toyota Pickup
1991 Nissan Sentra
The NICB reports that 1,237,114 vehicles were reported stolen in 2004, a decrease of 23,357 vehicles from 2003 figures. While this decrease in auto theft is a positive sign, it still means that a vehicle is stolen in the U.S every 25.5 seconds.
Even if your car is high on this list – You CAN protect it!
There are a number of measures you can take to help safeguard your car from being stolen, even from the most experienced thief. It is extremely important for drivers to protect themselves by installing devices such as steering wheel locks, alarms, cut-off switches, fuel disablers, and tracking devices that give police the location of a stolen vehicle. Not only could they save your car from being stolen or help authorities find it if it is, but they could also lower your insurance costs. Think about it, can you imagine what you would do without your car for even a week? Don’t let these professional thieves profit from the car you count on to get you to all the places you need to go.
Data is from the National Insurance Crime Bureau (NICB); and lists are based on the November 7, 2005 release of comprehensive 2004 vehicle data. Visit www.nicb.org for additional information, including recommended layers of protection, state-by-state breakdowns, and more.
Parking Lot Safety Tips
Whether it’s the holiday season or just time for a new pair of jeans, an activity most of us will participate in several times a year is shopping! While shopping malls and grocery stores can be a pain in and of themselves due to crowds, the parking lots that surround them can also be a source of problems. Here are some tips to help keep you and your automobile safe in parking lots.
Don’t Be A Dangerous Driver!
Have you ever been in a parking lot where parking spots are few and far between and competition for them is fierce? Most of us have, especially on weekends or around the holidays. Not only can not finding a parking space be stressful, it can also cause us to lose sight of everything but the task at hand, including pedestrians and other cars looking for spots. In addition, it can cause aggressive driving if you and another car end up dueling for a spot. While this situation is obviously frustrating, try to remind yourself that it is not fair to blame others who are dealing with the same crowds you are. Be mindful of everyone’s safety.
It is also common in parking lots and parking spots to back up without properly looking, especially if you’re in a hurry. Be sure you look completely behind you and to each side of your car before slowly backing out of your parking spot.
Safety Tips For Women
Some of the top places that women are abducted or attacked are in grocery and shopping center parking lots or garages. The most important thing to keep in mind is that the potential attacker is looking for an easy victim, so there are several things you can do to prevent yourself from being that victim:
Be alert. Keep your head up at all times, and be aware of your surroundings. Always keep your distance when walking past strangers in a dark area. Attackers often look for someone who is distracted, such as searching through their purse or talking on their cell phone. While it might be a good idea to have your cell phone out (to show you have one) don’t be so absorbed in a conversation that you are oblivious to your surroundings.
Before getting into your car, look on either side of it, in the back seat, and even under the car. If you are parked next to a van on the driver’s side (especially one that doesn’t have windows in the back that you can easily see into), consider getting into your car via the passenger door. If there is a man sitting alone in a car on either side of you, think about going back into the store or shopping center and returning later, or asking for an escort to your car (such as a security guard or grocery bagger).
Once inside your car, do not sit there doing things like talking on your phone or going through your purchases. Lock the doors and drive away as soon as you get in.
If you are grabbed or are about to be, fight back. Yell, scream, hit/kick, continue trying to squirm out of his grasp, and/or use pepper spray if you have it. Again, the attacker is looking for an easy victim, and will probably give up if you put up a fight. Do not just go to the second location without putting up a fight, you never want to leave the first location if at all possible.
Keep Your Car’s Interior Clear
You make it easy for thieves if you leave your belongings visible through the windows of your vehicle. Make sure to put these away, either in your house or hidden in the trunk. This especially includes purses, electronics such as laptop computers or MP3 players, luggage, and shopping bags.
Follow these simple tips to help ensure both your safety and that of others. Remember, it’s always better to be safe than sorry!
Don’t Be A Dangerous Driver!
Have you ever been in a parking lot where parking spots are few and far between and competition for them is fierce? Most of us have, especially on weekends or around the holidays. Not only can not finding a parking space be stressful, it can also cause us to lose sight of everything but the task at hand, including pedestrians and other cars looking for spots. In addition, it can cause aggressive driving if you and another car end up dueling for a spot. While this situation is obviously frustrating, try to remind yourself that it is not fair to blame others who are dealing with the same crowds you are. Be mindful of everyone’s safety.
It is also common in parking lots and parking spots to back up without properly looking, especially if you’re in a hurry. Be sure you look completely behind you and to each side of your car before slowly backing out of your parking spot.
Safety Tips For Women
Some of the top places that women are abducted or attacked are in grocery and shopping center parking lots or garages. The most important thing to keep in mind is that the potential attacker is looking for an easy victim, so there are several things you can do to prevent yourself from being that victim:
Be alert. Keep your head up at all times, and be aware of your surroundings. Always keep your distance when walking past strangers in a dark area. Attackers often look for someone who is distracted, such as searching through their purse or talking on their cell phone. While it might be a good idea to have your cell phone out (to show you have one) don’t be so absorbed in a conversation that you are oblivious to your surroundings.
Before getting into your car, look on either side of it, in the back seat, and even under the car. If you are parked next to a van on the driver’s side (especially one that doesn’t have windows in the back that you can easily see into), consider getting into your car via the passenger door. If there is a man sitting alone in a car on either side of you, think about going back into the store or shopping center and returning later, or asking for an escort to your car (such as a security guard or grocery bagger).
Once inside your car, do not sit there doing things like talking on your phone or going through your purchases. Lock the doors and drive away as soon as you get in.
If you are grabbed or are about to be, fight back. Yell, scream, hit/kick, continue trying to squirm out of his grasp, and/or use pepper spray if you have it. Again, the attacker is looking for an easy victim, and will probably give up if you put up a fight. Do not just go to the second location without putting up a fight, you never want to leave the first location if at all possible.
Keep Your Car’s Interior Clear
You make it easy for thieves if you leave your belongings visible through the windows of your vehicle. Make sure to put these away, either in your house or hidden in the trunk. This especially includes purses, electronics such as laptop computers or MP3 players, luggage, and shopping bags.
Follow these simple tips to help ensure both your safety and that of others. Remember, it’s always better to be safe than sorry!
Tips To Help You Save Money On Gas
As we all know, gas prices are not exactly cheap these days. In fact, the national average is hovering at $2.78 per gallon, with prices well over $3 in many areas of the U.S.* To give you an idea of how much that can cost a year, according to the Texas Transportation Institute, the average driver in Sacramento, California spent $685 on gas in 2003 (that compares with a $132 annual average in 1983).
While we can’t do anything about the actual price of gas, we can do something about how often we need to buy it. Here are some tips for saving money on gasoline:
Drive at Steady Speeds. Driving steadily at the speed limit can really help cut down on your vehicle's gas consumption. Stops and starts take more gas, so try to anticipate stops and traffic flow ahead of you as much as possible. Also, try to coast when possible, as revving and rapid acceleration use more gas. Driving your car too fast can really cost you, both with regard to gas and the speeding ticket you might receive! Experts say that each 5 mph you drive over 60 mph is like adding an additional ten to twenty cents to each gallon of gas you buy.
Keep Your Engine Tuned. Not only do regular tune-ups prevent unwanted breakdowns, they also help you save money on gas. Some mechanics estimate that a poorly tuned engine can use up to 50 percent more gas than one that is running well. This includes remembering to change your oil and air filters every 3,000 miles (or as often as recommended in your vehicle’s owner’s manual). The U.S. Department of Energy estimates that you can save up to 10 percent in gas mileage by replacing a faulty air filter.
Keep Your Tires Properly Inflated. The proper inflation for your tires should be specified in your owner's manual. If your tires are under-inflated, your vehicle will consume more gas when you drive. The U.S. Department of Energy says that drivers can save an average of 3.3 percent by keeping their tires properly inflated.
Try to Minimize Your Driving. Try to plan one long trip instead of several short trips (this includes combining errands when possible). If you can, try to carpool, use alternate forms of transportation (buses, trains, subways) or ride your bike or walk if your destination is nearby and you can spare the time. These are obvious ways to save gas, and they have the additional benefit of helping to spare the environment. You can also try to stagger your work hours so that you are not driving in prime traffic times.
Consider Buying a Smaller, More Fuel Efficient Car. Smaller cars are not only often less expensive to purchase and cheaper to insure, but they also use less gas (because they are lighter). Also, cars with automatic transmissions get an average of 5 miles per gallon less than manual transmissions, and six-cylinder engines get about 4-5 miles per gallon less than four-cylinder engines.
Cut Down on the A/C and Extra Baggage. While on the highway, closed windows decrease air resistance, but when you are driving on city streets and in stop-and-go traffic, it might be a good idea to open the windows rather than run the air conditioner (air conditioners run on gas). Also, cut down on the amount of junk you keep in your car (and in roof racks). Extra weight equals extra gas.
With these tips, you can save money on gasoline, and reduce your out of pocket expenses. Want another way to cut the costs you spend on your car? Shop around for auto insurance and see how much you can save! InsWeb’s online insurance marketplace makes comparing auto insurance quotes quick and easy.
While we can’t do anything about the actual price of gas, we can do something about how often we need to buy it. Here are some tips for saving money on gasoline:
Drive at Steady Speeds. Driving steadily at the speed limit can really help cut down on your vehicle's gas consumption. Stops and starts take more gas, so try to anticipate stops and traffic flow ahead of you as much as possible. Also, try to coast when possible, as revving and rapid acceleration use more gas. Driving your car too fast can really cost you, both with regard to gas and the speeding ticket you might receive! Experts say that each 5 mph you drive over 60 mph is like adding an additional ten to twenty cents to each gallon of gas you buy.
Keep Your Engine Tuned. Not only do regular tune-ups prevent unwanted breakdowns, they also help you save money on gas. Some mechanics estimate that a poorly tuned engine can use up to 50 percent more gas than one that is running well. This includes remembering to change your oil and air filters every 3,000 miles (or as often as recommended in your vehicle’s owner’s manual). The U.S. Department of Energy estimates that you can save up to 10 percent in gas mileage by replacing a faulty air filter.
Keep Your Tires Properly Inflated. The proper inflation for your tires should be specified in your owner's manual. If your tires are under-inflated, your vehicle will consume more gas when you drive. The U.S. Department of Energy says that drivers can save an average of 3.3 percent by keeping their tires properly inflated.
Try to Minimize Your Driving. Try to plan one long trip instead of several short trips (this includes combining errands when possible). If you can, try to carpool, use alternate forms of transportation (buses, trains, subways) or ride your bike or walk if your destination is nearby and you can spare the time. These are obvious ways to save gas, and they have the additional benefit of helping to spare the environment. You can also try to stagger your work hours so that you are not driving in prime traffic times.
Consider Buying a Smaller, More Fuel Efficient Car. Smaller cars are not only often less expensive to purchase and cheaper to insure, but they also use less gas (because they are lighter). Also, cars with automatic transmissions get an average of 5 miles per gallon less than manual transmissions, and six-cylinder engines get about 4-5 miles per gallon less than four-cylinder engines.
Cut Down on the A/C and Extra Baggage. While on the highway, closed windows decrease air resistance, but when you are driving on city streets and in stop-and-go traffic, it might be a good idea to open the windows rather than run the air conditioner (air conditioners run on gas). Also, cut down on the amount of junk you keep in your car (and in roof racks). Extra weight equals extra gas.
With these tips, you can save money on gasoline, and reduce your out of pocket expenses. Want another way to cut the costs you spend on your car? Shop around for auto insurance and see how much you can save! InsWeb’s online insurance marketplace makes comparing auto insurance quotes quick and easy.
Automotive Spring Tune-ups: Save Gas and Prevent Accidents
ust like your home needs a spring cleaning, your car may need the same attention with a seasonal tune-up. Cars take a lot of abuse in the winter with rain, snow, ice and extremely cold weather. Performing a tune-up before summer will give you a safer, more reliable car, and even help you squeeze a few more miles out of each gallon of gasoline.
Gas prices are hitting record highs. While we can't do anything about the actual price of gas, we can keep our cars running efficiently to maximize the distance we get out of every gallon. Some mechanics estimate that a poorly tuned engine can use up to 50 percent more gas than one that is running well. In fact, according to the National Car Care Council (carcare.org), if you combine under-inflated tires, a dirty air filter, worn spark plugs, a worn oxygen sensor, dirty oil, and a loose gas cap, you could be loosing up to 11.4 miles per gallon of gas.Condition Effect MPG Penalty
Under-inflated Tires Increase rolling resistance 1-2 mpg
Dirty Air Filter Causes excessively rich fuel/air mixture 2.0 mpg
Worn Spark Plugs Cause inefficient combustion, wasted fuel 2.0 mpg
Worn Oxygen Sensor Unable to detect and adjust air/fuel mixture 3.0 mpg
Dirty or Substandard Engine Oil Increases internal engine friction .4 mpg
Loose Gas Cap Allows fuel to evaporate 2.0 mpg
Potential loss in fuel economy if all of the above are neglected: 11.4 mpg
Source: National Car Care Council (carcare.org)
If you are unable to take your car to a reputable mechanic, you should at the very least check your car's fluids, belts and hoses, and tires. In regards to your car's fluids, you should inspect your oil, antifreeze, brake, transmission, and power steering fluid levels. Check your engine's hoses and belts for wear and tear as they can affect the electrical system, air conditioning, power steering, and the engine's cooling system. Car tires should be inspected regularly for proper inflation and tread wear. The steering alignment may need adjustment if your tires have uneven tread wear. If you notice bald spots and bulges, you need to have your tires replaced immediately.
The most valuable benefit of a car maintenance check-up is that it may prevent you from getting in an accident. The National Car Care Council reports that vehicle maintenance negligence is responsible for more than 2,600 deaths and nearly 100,000 disabling injuries every year in the United States.
Now is the time to make sure your car was not damaged by last winter's weather conditions and weekend ski trips up to the mountains. You'll be safer, you'll save money on gas, and your car will be reliable when you take your next summer vacation road trip
Gas prices are hitting record highs. While we can't do anything about the actual price of gas, we can keep our cars running efficiently to maximize the distance we get out of every gallon. Some mechanics estimate that a poorly tuned engine can use up to 50 percent more gas than one that is running well. In fact, according to the National Car Care Council (carcare.org), if you combine under-inflated tires, a dirty air filter, worn spark plugs, a worn oxygen sensor, dirty oil, and a loose gas cap, you could be loosing up to 11.4 miles per gallon of gas.Condition Effect MPG Penalty
Under-inflated Tires Increase rolling resistance 1-2 mpg
Dirty Air Filter Causes excessively rich fuel/air mixture 2.0 mpg
Worn Spark Plugs Cause inefficient combustion, wasted fuel 2.0 mpg
Worn Oxygen Sensor Unable to detect and adjust air/fuel mixture 3.0 mpg
Dirty or Substandard Engine Oil Increases internal engine friction .4 mpg
Loose Gas Cap Allows fuel to evaporate 2.0 mpg
Potential loss in fuel economy if all of the above are neglected: 11.4 mpg
Source: National Car Care Council (carcare.org)
If you are unable to take your car to a reputable mechanic, you should at the very least check your car's fluids, belts and hoses, and tires. In regards to your car's fluids, you should inspect your oil, antifreeze, brake, transmission, and power steering fluid levels. Check your engine's hoses and belts for wear and tear as they can affect the electrical system, air conditioning, power steering, and the engine's cooling system. Car tires should be inspected regularly for proper inflation and tread wear. The steering alignment may need adjustment if your tires have uneven tread wear. If you notice bald spots and bulges, you need to have your tires replaced immediately.
The most valuable benefit of a car maintenance check-up is that it may prevent you from getting in an accident. The National Car Care Council reports that vehicle maintenance negligence is responsible for more than 2,600 deaths and nearly 100,000 disabling injuries every year in the United States.
Now is the time to make sure your car was not damaged by last winter's weather conditions and weekend ski trips up to the mountains. You'll be safer, you'll save money on gas, and your car will be reliable when you take your next summer vacation road trip
Do You Really Need Rental Car Insurance?
At the rental car counter, you will be offered several different types of coverages which will add money on to your base rental rate. What many people may not realize is that most of these are often already covered by your personal auto insurance policy. The best thing to do is to check with your insurance agent or carrier before you rent a car and find out exactly what is covered under your existing policy. This should help you avoid shelling out extra money for things that are already covered.
As discussed above, many of the coverages offered at the rental car counter are often already covered by your personal auto insurance policy. One exception to this is what is called Collision Damage Waiver, or CDW. This extra daily charge covers both the cost of damages to the rental car if you are involved in an accident and the “loss of use” that the rental company will charge you. “Loss of use” means the time and money the rental car company lost since the vehicle could not be rented. While the damage to the vehicle itself may be covered by your personal auto insurance policy, the “loss of use” very likely will not be.
Also, many rental car companies will expect payment right away, meaning if you did not purchase CDW you may have to pay out of your pocket and then wait to be reimbursed by your personal auto insurance company. For these reasons, it may make sense to pay the around $8-11 extra per day that most rental car companies charge you for CDW.
Note: When renting a car in another country, your personal insurance coverage probably will not extend to a car rental. In this case, your best option is to at least buy the Collision Damage Waiver (CDW) from the rental agency.
Credit Card Car Rental Coverages
Some credit cards may offer coverage for damage or theft to your rental car if you use that card to rent the vehicle. This could replace the need to purchase CDW; if your credit card does offer this feature, this in addition to your personal auto insurance policy could mean you are covered and do not need to purchase any extra coverages through the rental car company. However, most credit cards that offer this feature only cover basic models of rental cars, and do not include upgrades such as SUVs and luxury cars. Check with your credit card company to see if they offer this feature, and if so, exactly what it covers. Make sure to ask if it provides for the “loss of use” that the rental car company will charge if you damage the car.
Rental Car Reimbursement On Your Existing Auto Insurance Policy
This optional coverage offered through your personal auto insurance company or agent will reimburse you for a rental car if your primary vehicle is disabled due to a covered loss. This coverage will pay all or part of your rental car costs. This is an add-on to your auto insurance policy, as opposed to the extra coverage you purchase from a rental car company to cover you when you are in a rental car, as discussed above.
Conclusion
If you have any questions about what is covered on your auto insurance policy, be sure and ask your carrier or agent before you drive off in your rental car. You may be surprised as to what is already covered in your auto insurance policy, or you may consider upping your coverage (which usually costs less than you may realize) well before your trip to make sure you have all your bases covered.
As discussed above, many of the coverages offered at the rental car counter are often already covered by your personal auto insurance policy. One exception to this is what is called Collision Damage Waiver, or CDW. This extra daily charge covers both the cost of damages to the rental car if you are involved in an accident and the “loss of use” that the rental company will charge you. “Loss of use” means the time and money the rental car company lost since the vehicle could not be rented. While the damage to the vehicle itself may be covered by your personal auto insurance policy, the “loss of use” very likely will not be.
Also, many rental car companies will expect payment right away, meaning if you did not purchase CDW you may have to pay out of your pocket and then wait to be reimbursed by your personal auto insurance company. For these reasons, it may make sense to pay the around $8-11 extra per day that most rental car companies charge you for CDW.
Note: When renting a car in another country, your personal insurance coverage probably will not extend to a car rental. In this case, your best option is to at least buy the Collision Damage Waiver (CDW) from the rental agency.
Credit Card Car Rental Coverages
Some credit cards may offer coverage for damage or theft to your rental car if you use that card to rent the vehicle. This could replace the need to purchase CDW; if your credit card does offer this feature, this in addition to your personal auto insurance policy could mean you are covered and do not need to purchase any extra coverages through the rental car company. However, most credit cards that offer this feature only cover basic models of rental cars, and do not include upgrades such as SUVs and luxury cars. Check with your credit card company to see if they offer this feature, and if so, exactly what it covers. Make sure to ask if it provides for the “loss of use” that the rental car company will charge if you damage the car.
Rental Car Reimbursement On Your Existing Auto Insurance Policy
This optional coverage offered through your personal auto insurance company or agent will reimburse you for a rental car if your primary vehicle is disabled due to a covered loss. This coverage will pay all or part of your rental car costs. This is an add-on to your auto insurance policy, as opposed to the extra coverage you purchase from a rental car company to cover you when you are in a rental car, as discussed above.
Conclusion
If you have any questions about what is covered on your auto insurance policy, be sure and ask your carrier or agent before you drive off in your rental car. You may be surprised as to what is already covered in your auto insurance policy, or you may consider upping your coverage (which usually costs less than you may realize) well before your trip to make sure you have all your bases covered.
Aggressive Driving and Road Rage
As drivers hit the highways for weekend excursions and road trips, many will lose their basic sense of life’s priorities and drive aggressively. Whether it’s the false sense of control and power that being behind the wheel gives them, or the feeling of anonymity for their actions, aggressive drivers overlook the immediate safety and well-being of themselves, their passengers, and the human life in the vehicles around them. For some, it’s only a matter of time before their emotions blind their shortsightedness and their behavior escalates to the domestic assault of “road rage.” According to the AAA Foundation for Traffic Safety, more than 1,500 people are injured or killed each year in the United States as a result of "aggressive driving."
From the perspective of law enforcement, road rage and aggressive driving involve speeding, aggressive acceleration, tailgating, and cutting off other drivers. It’s common for aggressive drivers to use their horn excessively, flash their lights unnecessarily, use rude verbal and physical gestures, and even form lane convoys that block access. There is a difference between aggressive driving and road rage though: aggressive driving is a traffic offense while road rage is a criminal offense. According to the NHTSA (National Highway Traffic Safety Association), road rage is defined as "an assault with a motor vehicle or other dangerous weapon by the operator or passenger(s) of another motor vehicle or an assault precipitated by an incident that occurred on a roadway.”
Aggressive driving is a behavior that affects every type of driver, including society’s most normal and upstanding men and women. Some psychologists have suggested that certain drivers are more susceptible to losing their tempers behind the wheel than others. In fact, road rage can sometimes fall under the medical explanation of “Intermittent Explosive Disorder,” which affects millions of Americans.
Regardless of whether you yourself are an aggressive driver, or you are a victim of an aggressive driver, there are simple measures you can take to prevent an unfortunate event.
What to do if you’re an aggressive driver:
Visualize what your behavior would look like in public — if you were not in your car.
Be a cautious and courteous driver. Take a deep breath, try to relax, and let other motorists pass you, comfortably merge, and take the right-of-way.
All drivers make mistakes; nevertheless, resist the urge to teach them a lesson. They'll learn it eventually without your help.
Don't make inappropriate hand or facial gestures. Don’t feel like you have to give someone “the finger.”
Lead by example. Drive the way you want other people to drive. This may mean having to swallow your pride and back away from aggression.
Don’t be in a rush. Give yourself ample time to get to your destination and understand where you are driving to.
What to do if you’re the target of an aggressive driver:
Get out of the way.
Don’t make matters worse by triggering a confrontation. Avoid eye contact and steer clear, giving angry drivers plenty of room.
Take an unintended turn or highway exit to get away from someone who may be targeting you.
Try giving an "I'm sorry" wave of your hand (not to be confused with the middle finger).
Report their license plate, their vehicle make, and the details of your interaction to the authorities immediately.
Do not challenge them by speeding up or attempting to hold-your-own.
If a driver continues to hassle you or you think you are being followed, drive on to the nearest police station or busy place to get help.
From the perspective of law enforcement, road rage and aggressive driving involve speeding, aggressive acceleration, tailgating, and cutting off other drivers. It’s common for aggressive drivers to use their horn excessively, flash their lights unnecessarily, use rude verbal and physical gestures, and even form lane convoys that block access. There is a difference between aggressive driving and road rage though: aggressive driving is a traffic offense while road rage is a criminal offense. According to the NHTSA (National Highway Traffic Safety Association), road rage is defined as "an assault with a motor vehicle or other dangerous weapon by the operator or passenger(s) of another motor vehicle or an assault precipitated by an incident that occurred on a roadway.”
Aggressive driving is a behavior that affects every type of driver, including society’s most normal and upstanding men and women. Some psychologists have suggested that certain drivers are more susceptible to losing their tempers behind the wheel than others. In fact, road rage can sometimes fall under the medical explanation of “Intermittent Explosive Disorder,” which affects millions of Americans.
Regardless of whether you yourself are an aggressive driver, or you are a victim of an aggressive driver, there are simple measures you can take to prevent an unfortunate event.
What to do if you’re an aggressive driver:
Visualize what your behavior would look like in public — if you were not in your car.
Be a cautious and courteous driver. Take a deep breath, try to relax, and let other motorists pass you, comfortably merge, and take the right-of-way.
All drivers make mistakes; nevertheless, resist the urge to teach them a lesson. They'll learn it eventually without your help.
Don't make inappropriate hand or facial gestures. Don’t feel like you have to give someone “the finger.”
Lead by example. Drive the way you want other people to drive. This may mean having to swallow your pride and back away from aggression.
Don’t be in a rush. Give yourself ample time to get to your destination and understand where you are driving to.
What to do if you’re the target of an aggressive driver:
Get out of the way.
Don’t make matters worse by triggering a confrontation. Avoid eye contact and steer clear, giving angry drivers plenty of room.
Take an unintended turn or highway exit to get away from someone who may be targeting you.
Try giving an "I'm sorry" wave of your hand (not to be confused with the middle finger).
Report their license plate, their vehicle make, and the details of your interaction to the authorities immediately.
Do not challenge them by speeding up or attempting to hold-your-own.
If a driver continues to hassle you or you think you are being followed, drive on to the nearest police station or busy place to get help.
Does Your Auto Insurance Only Cover Aftermarket Parts Or Original Manufacturer Parts?
Auto accidents teach drivers many expensive lessons about their insurance policies, and why drivers should understand exactly what they’re paying for — before an accident happens. For example, the cost of knowing if your policy covers towing or rental coverage can be hundreds of dollars if the driver is not covered for such resources. Furthermore, when it comes to actually repairing your vehicle and returning it to the original pre-accident condition, the costly lesson becomes: Does your auto insurance only cover aftermarket parts or original manufacturer (OEM) parts?
Demonstrated best in a repair estimate, the difference between aftermarket parts and OEM parts is generally cost alone, however, we promptly alert all drivers: “buyer beware.” Comparing costs between OEM and aftermarket parts is not always an apples-to-apples comparison. There are potential hidden future costs and risks associated with a vehicle’s insurance coverage, sustained resale value, and even safety.
OEM parts are a vehicle’s “original” part, and are literally produced by the same auto manufacturer. Aftermarket parts on the other hand, are a replicated part manufactured by a company other than the original. As aftermarket parts are an affordable alternative to the expensive OEM parts, insurance companies will not always reimburse 100% of the repair costs when OEM parts are used. In fact, some carriers require the policyholder to pay the difference between the OEM part and the otherwise fully capable non-OEM substitute part.
According to many car owners, aftermarket parts do not necessarily restore the car to its pre-accident condition. Some believe that aftermarket parts decrease the resale value upon trade-in or private resale. Even worse, for those who lease their vehicles, using aftermarket parts can complicate matters at the completion of their lease contract. If the leased vehicle is returned with aftermarket parts, the lessee faces the risk of not returning the vehicle in the original condition.
An industry rule-of-thumb is that for more expensive luxury vehicles, it is recommended to maintain your vehicle’s resale value with OEM parts, especially considering the fact that car dealers monitor the repair history of most vehicles. For those owners that do not have aggressive resale objectives or have a car that is not worth much, then aftermarket parts may be the best route to go.
Understanding the difference between aftermarket and OEM parts is often overlooked when purchasing an insurance policy. Don’t wait until an accident happens to learn what your policy actually covers. Take this time to review your insurance policy and use this knowledge to shop for a policy that best covers your needs.
Demonstrated best in a repair estimate, the difference between aftermarket parts and OEM parts is generally cost alone, however, we promptly alert all drivers: “buyer beware.” Comparing costs between OEM and aftermarket parts is not always an apples-to-apples comparison. There are potential hidden future costs and risks associated with a vehicle’s insurance coverage, sustained resale value, and even safety.
OEM parts are a vehicle’s “original” part, and are literally produced by the same auto manufacturer. Aftermarket parts on the other hand, are a replicated part manufactured by a company other than the original. As aftermarket parts are an affordable alternative to the expensive OEM parts, insurance companies will not always reimburse 100% of the repair costs when OEM parts are used. In fact, some carriers require the policyholder to pay the difference between the OEM part and the otherwise fully capable non-OEM substitute part.
According to many car owners, aftermarket parts do not necessarily restore the car to its pre-accident condition. Some believe that aftermarket parts decrease the resale value upon trade-in or private resale. Even worse, for those who lease their vehicles, using aftermarket parts can complicate matters at the completion of their lease contract. If the leased vehicle is returned with aftermarket parts, the lessee faces the risk of not returning the vehicle in the original condition.
An industry rule-of-thumb is that for more expensive luxury vehicles, it is recommended to maintain your vehicle’s resale value with OEM parts, especially considering the fact that car dealers monitor the repair history of most vehicles. For those owners that do not have aggressive resale objectives or have a car that is not worth much, then aftermarket parts may be the best route to go.
Understanding the difference between aftermarket and OEM parts is often overlooked when purchasing an insurance policy. Don’t wait until an accident happens to learn what your policy actually covers. Take this time to review your insurance policy and use this knowledge to shop for a policy that best covers your needs.
The Science of a Fender Bender
“Oh my goodness, I just hit that car!”
“How much is this going to cost me, and what’s going to happen to my insurance?”
In the heat of the moment, these are the instinctual thoughts of any driver who’s had the unpleasant experience of a fender bender. Even the smallest and most innocuous auto collision can have lasting financial repercussions - regardless of fault. What’s a driver to do?
There is an abundance of misinformation floating around the Internet that will convince you why you should pay out-of-pocket for small fender benders - especially if you have any previous accidents or moving violations on your driving record. At the scene of a collision, don’t be so quick to financially resolve the accident by writing a check or accepting the other driver’s available cash on hand.
There is a reason that your state requires a certain level of car insurance: car repairs always have unexpected costs and personal injuries sometimes take unforeseen turns towards chronic physical injury. If you choose to not report an accident to your insurance company, you are taking an uncalculated risk that you are probably not prepared for. If the other driver chooses to sue you months later, your failure to report the accident might cause your insurer to refuse to honor the policy. Imagine the financial and legal challenge of taking on an insurance company all by yourself.
Auto accidents are expensive and inconvenient; however, having the lowest possible deductible probably isn’t going to make a difference in the long-term costs of such an event. Instead, you should consider increasing your deductibles to lower the overall cost of your premiums. It’s one of the best ways to save on your car insurance. Yes, a collision will be a little more expensive, but you’re probably not going to experience enough accidents to justify the forgone savings. If you’re a safe and responsible driver, save on your overall premium, not on the out-of-pocket costs in an accident.
As with anything, preparation is the key to successfully navigating the administrative headaches of a fender bender. Always have a pen and paper readily available next to your proof of insurance. You’ll want to collect the names and addresses of all drivers, passengers, witnesses, and law enforcement officials involved; in addition to license plate numbers, the make and model of each car, driver’s license numbers, insurance information, and as much scenario detail as possible. There are two points of wisdom that strongly support any resolution that most people overlook: 1.) Never admit fault, and 2.) Have a disposable camera handy to take undisputable images of the scene. In any type of auto accident, everything happens in a flash and “hindsight is 20-20”.
If a fender bender has bruised your driving record and you are suffering from what seems to be unreasonable premiums, don’t be a prisoner to your insurance company. There are companies that specialize in insuring high risk drivers with reasonable rates. To find them you must shop around and compare multiple quotes from multiple companies. The same policy can vary by hundreds of dollars from company to company.
“How much is this going to cost me, and what’s going to happen to my insurance?”
In the heat of the moment, these are the instinctual thoughts of any driver who’s had the unpleasant experience of a fender bender. Even the smallest and most innocuous auto collision can have lasting financial repercussions - regardless of fault. What’s a driver to do?
There is an abundance of misinformation floating around the Internet that will convince you why you should pay out-of-pocket for small fender benders - especially if you have any previous accidents or moving violations on your driving record. At the scene of a collision, don’t be so quick to financially resolve the accident by writing a check or accepting the other driver’s available cash on hand.
There is a reason that your state requires a certain level of car insurance: car repairs always have unexpected costs and personal injuries sometimes take unforeseen turns towards chronic physical injury. If you choose to not report an accident to your insurance company, you are taking an uncalculated risk that you are probably not prepared for. If the other driver chooses to sue you months later, your failure to report the accident might cause your insurer to refuse to honor the policy. Imagine the financial and legal challenge of taking on an insurance company all by yourself.
Auto accidents are expensive and inconvenient; however, having the lowest possible deductible probably isn’t going to make a difference in the long-term costs of such an event. Instead, you should consider increasing your deductibles to lower the overall cost of your premiums. It’s one of the best ways to save on your car insurance. Yes, a collision will be a little more expensive, but you’re probably not going to experience enough accidents to justify the forgone savings. If you’re a safe and responsible driver, save on your overall premium, not on the out-of-pocket costs in an accident.
As with anything, preparation is the key to successfully navigating the administrative headaches of a fender bender. Always have a pen and paper readily available next to your proof of insurance. You’ll want to collect the names and addresses of all drivers, passengers, witnesses, and law enforcement officials involved; in addition to license plate numbers, the make and model of each car, driver’s license numbers, insurance information, and as much scenario detail as possible. There are two points of wisdom that strongly support any resolution that most people overlook: 1.) Never admit fault, and 2.) Have a disposable camera handy to take undisputable images of the scene. In any type of auto accident, everything happens in a flash and “hindsight is 20-20”.
If a fender bender has bruised your driving record and you are suffering from what seems to be unreasonable premiums, don’t be a prisoner to your insurance company. There are companies that specialize in insuring high risk drivers with reasonable rates. To find them you must shop around and compare multiple quotes from multiple companies. The same policy can vary by hundreds of dollars from company to company.
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