Author Archives: Melany Gibbs

Car Insurance Instant Online Quote

The Best Way how to get Car Insurance Instant Online Quote!

To locate the cheapest imaginable quote on your car insurance, your best bet is a web-based car insurance broker that is available to offer you discount. When you contact a car insurance broker, you merely provide the information about the model of the automobile, your age and driving record to locate the great quotes you wish to have.

– How to Become Highly Insurable
Whether you could have already purchased car insurance, or you are on the brink of begin taking a look, some of the best things you’ll be able to do to procure the lowest imaginable rates is to strengthen those things that car insurance businesses look at when they calculate your insurance premium. A broker does not care for one particular car insurance enterprise, even so somewhat searches via each and every to be had enterprise to find you the most productive imaginable quote.

Car Insurance Instant Online quote protection!

It is good to know, that liability insurance does not offer protection to the buyer or policyholder if he drives a car instead of his own. Liability insurance covers claims against the buyer or policyholder.
Generally, it also covers claims against another driver or operator of the policyholder’s car, offered they do not live at the same address as the policyholder and don’t seem to be quite excluded on the policy. If the address of such drivers or operators is same as that of the policyholder, then they will have to be particularly covered on the policy.

In this sort of case, the buyer is covered under the policy of the other car’s owner. However, you or your car is probably not covered under this policy.

Even if, as an example, your car hit a deer, insurance adjusters may also be referred to as for this too in order to estimate the volume of damage to the automobile. When you hit a deer it will probably trigger the same amount of damage in some cases as hitting a car, and even worse.

Let the automobile insurance adjuster look at the wear and tear and make up his/her own mind regarding the extent of damage. Third Party Insurance
This type of insurance covers the wear and tear caused by your car to a third party.

For example, in case you meet with an coincidence even as driving, the insurer can pay for the wear and tear caused to the other vehicle and persons in that car. This means California needs a minimum coverage as much as $30,000 for all persons injured in an coincidence, topic to a limit of $15,000 for one individual, and $five,000 coverage for property damage.

The minimum coverage requirements may vary from state to state. The minimum limit of insurance for California is 15/30/five.

Again don’t sign any factor until your car insurance claim is settled. This section will describe four major elements of this system to economize on your car insurance. Again let the adjuster do his/her job and be friendly. There are a couple of things you’ll be able to do in the fast term to strengthen your insurability standing, and you will discover also things you’ll be able to do over the long run to strengthen it too. It will be the minimum that you wish to have to have as per the Indian law, so that, if another person or vehicle is damaged because of your driving, the third party must be compensated for it.

Yours – Car Insurance Online Quote Team!

Cars that CEOs drive

What kind of cars comes to mind when you think of a CEO’s vehicle?

Is it a cars like custom-made Mercedes Maybach? A limited-edition Ferrari, Porsche or Lamborghini?

“Whenever you get crazy weather, you get a rash of insurance claims later,” says NICB spokesperson Frank Scafidi.

Actually, there’s a better chance it’s a fairly ordinary passenger car, SUV or even a van, minivan or pickup truck. That’s the outcome of a 2006 and study, which left in its exhaust the popular notions of the vehicles driven by the nation’s top business executives.

Although the study was undertaken more than four years ago, it’s likely more relevant today than it was back in those economically healthier times, says Chicago-based editor-in-chief Patrick Olsen.

“I suspect the turbulent economy since the survey was done several years ago has helped ensure CEOs are remaining realistic and pragmatic about their purchase of cars,” he says. “They’re not spending a boatload of cash these days in fear of sending the wrong message to employees and shareholders. . . . In today’s environment, CEOs are more cognizant than ever of the eyes on them when they’re behind the wheel. Extravagance is frowned upon in this economy.”

The first goal of the survey, which polled 2,344 Americans age 21 to 65 who held valid driver’s licenses and were employed, was to determine popular perceptions of CEOs’ rides. The majority were convinced CEOs drove vehicles costing at least $70,000. But that assessment proved overblown.

Of the total number of respondents, 340 were CEOs, chairmen, executive directors, presidents or chief operating officers. These individuals collectively spent an average of less than $25,000 on their primary vehicles, and more than one in four (26 percent) spent less than $20,000.

Among these top executives, 29 percent were driving passenger cars and 24 percent SUVs. Nineteen percent drove luxury cars, 13 percent hit the road in pickup trucks, 9 percent drove vans or minivans, and 6 percent preferred the flash of a sports car, Olsen reports.

These results can be seen on the street – not all CEOs are seen in cars like the Porsche 911 (which Bill Gates of Microsoft has been known to drive)

So, what kind of cars ?

  • Steve Jobs of Apple has owned a Toyota Prius
  • Oracle’s Larry Ellison has been seen in an Audi R8
  • Berkshire Hathaway’s Warren Buffett famously motored around Omaha in a Lincoln Town Car.

Motivated by style and performance when choosing cars

Some findings, however, did match expectations. For instance, CEOs in banking and finance were more likely to drive luxury cars. Those heading construction and engineering firms were more likely to have pickup trucks. Anyway they all need car insurance and to find fastest,easiest and affordable way how to insure they cars they visit  –

Reliability, price and value for the money were leading motivators for respondents as a whole. But the CEOs were more motivated by styling, interior roominess and performance in their car-buying decisions.

David Jacobson, CEO of GrooveCar, a Hauppauge, N.Y., company that helps credit union members shop, buy and finance their vehicles, is typical of the survey respondents in the study. After years of driving performance-type cars like Porsches and Maseratis, he decided to purchase an American vehicle within the budgets or many ordinary folks, a GMC Yukon.

“My major car right now for the first time in my life is an American-made car, because the quality has come up and I want to drive an American-made vehicle,” Jacobson says. “It’s good in the snow, it’s luxurious, it’s got OnStar and it has the bigger Corvette engine. It’s the first American-made vehicle that really hits on all my needs and wants.”

When his attorney suggested buying an American-made luxury cars like a Cadillac or Lincoln because they provided the right kind of image for him, Jacobson nixed the idea. His main motivator was pleasure,not distraction and definitely not image. “When I get into my car in the morning, I actually enjoy driving to work,” he says of his approximately 25-minute Long Island commute. “It’s enjoyment, it’s not a status symbol. I truly enjoy the feel of the wheel and the suspension of the cars.”

The 5 most dangerous traffic situations

Speeding, tailgating and road rage are some of the obvious dangers you’ve probably encountered on the road specially if out there is busy traffic .

And these are some of the leading causes of accidents, says Walter G. Meyer, a 20-year veteran traffic-school instructor in San Diego.

But there are several other accident hot spots that don’t get as much attention. By knowing what they are, you can better keep your claims record clean and your car insurance rates down.

Intersections with traffic

“A majority of accidents are caused at intersections with stop signs and traffic lights [and are] due to drivers either not paying attention or being in a life-threatening hurry,” says Jason Ratcliff, a Franklin County, Ohio, Deputy Sheriff for 15 years assigned to the patrol bureau and to work traffic enforcement.

According to data gathered by the Highway Loss Data Institute (HDLI), nearly half of all urban crashes occur at intersections, with an estimated 1.7 million crashes occurring at intersections every year.

The HLDI also says about traffic:

  • 53 percent of intersection crashes occur at intersections with traffic signals
  • 20 percent occur at intersections with stop signs
  • A higher proportion of injury crashes occur at intersections (50 percent) compared with property damage-only crashes (41 percent)
  • Pedestrians in are more likely to be injured in crashes at intersections than at other locations, with 55 percent of crashes involving injured pedestrians occurring at intersections.

Ratcliff says the best way to stay safe in — or near — an intersection is pay attention to the traffic signs.

“When approaching intersections, private drives and retail stores, pay particular attention to others poised on the sidelines ready to pull out in front of you,” says Ratcliff. Don’t rely on your “right of way.”

Even if it’s your turn to go through the intersection or you have a green light, look around and ask yourself, “What if that car pulls out in front of me?” suggests Ratcliff.

“And always scan cross streets for drivers whose heads might be in the clouds and don’t notice they have a red light or a stop sign,” he adds.

Those few seconds of scanning can save you from a host of injuries and auto insurance claims headaches.

At the scene of an accident

Exiting your car if it breaks down or after an accident is high on Ratcliff’s list of no-nos.

“It’s one of the most dangerous things you can do,” he says — especially on a heavily traveled route and traffic is busy.

You could find yourself being struck by a distracted driver.

“You should always stay in your vehicle if you’re in an accident,” says Ratcliff. “And don’t get out of your car to assist another driver.”

The best way to help a stranded motorist is by calling police or roadside assistance and not risking your life, says Ratcliff.

Turning left in busy traffic

“Drivers always think they can beat an oncoming car when they’re making a left turn,” says Ratcliff.

Statistics show this is not a good idea. According to the U.S. Department of Transportation, an average motorist could drive a billion miles — the distance from Earth to Jupiter and back — before getting into an accident stemming from a right-hand turn.

Some towns are reducing left-turn accidents by using a “Michigan left” intersection design, which prevents motorists from making a left turn. Instead, you have to make a legal U-turn at a designated spot and then a right-hand turn back onto the street. This reduces accidents by nearly 60 percent.

Be patient when making left turns. “And always use your turn signal to alert the car behind you you’ll be slowing down, and possibly stopping, to turn left,” says Meyer.

Heading uphill

Driving up a hill (or crest) may mean you’re going to have to go back down the other side.

“This is particularly dangerous because you’re driving blind,” says Meyer.

You have no idea if there’s a deer in the middle of the road just on the other side of the hill or if a stopped school bus is letting kids out — unless you’re paying attention to street signs.

“Many accidents and dangerous situations can be avoided by paying attention to the signs on your way up the hill,” says Meyer.

Traffic signs will typically indicate if an intersection, driveway or school zone is nearby. And if the area is a favorite place for Bambi and friends to play, street signs will tell you how those traffic signs are important.

Road warriors reveal their best safe-driving tips

Think you driving a lot? Imagine spending three, four, even seven or more hours a day behind the wheel.

A day in the life of a road warrior is filled with tailgaters, cut-off artists, rage-filled fellow drivers and speed demons bearing down in their rear-view mirrors.

To stay safe and keep their car insurance rates low, these pros have figured out ways avoid tickets and crashes.

Discouraging driving tailgaters

Not only is tailgating annoying, it’s dangerous.

“Tailgating is a form of aggressive driving and a major contributor to crashes,” says Jim Peterson, a driving instructor in Chicago.

Not to mention that it’s hard to see anything when your rear-view mirror is filled with the grill of the car behind you.

Liz Egan, a 20-year veteran gift-basket delivery driver in Ft. Lauderdale, Fla,, travels as many as 160 miles a day and says she typically drives “fairly fast within the ‘implied’ speed limit and keeps up with the flow of traffic.”

To discourage a driver who “rides her butt,” Egan simply slows down. “I just take my foot off the accelerator and allow the vehicle to slow down until the tailgater gets impatient and goes around me.”

Reduce driving road rage

Adrian Miller, a sales trainer and consultant, and self-proclaimed road warrior for 24 years in the Albany, N.Y., area who logs more than 500 miles a week, says harmonious melodies keep her from getting worked up behind the wheel.

“Fantastic music,while driving, helps me manage road rage,” she says. Miller has an “on the road” playlist on her iPod and never gets behind the wheel without great CDs that make her feel happy.

Rick Notter, author of “Sound Advice: Music’s Effect on Life, Health, and Happiness,” suggests choosing music that’s no more than 145 beats per minute other-vice it’s distracting smooth driving.

“Anything faster may have the reverse affect. Fast music could ramp up your emotions and be extremely exciting, which could lead to you falling victim to rage,” he says.

Staying alert while driving

After a long day of work or refereeing the kid’s shouting matches, it’s easy to get distracted. To make sure he’s not tempted to drift off while driving, Jay Moyes, a night driver for Access Para transit, a company that transports disabled riders across southern California for doctor visits, shopping and other activities, never looks at one thing for too long.

“I keep my eyes moving. Instead of looking at one thing for even a few seconds, I continually scan the road, my mirrors, etc.”

Peterson says scanning is the best way to avoid a crash when driving.

“Looking around at your surroundings and in all of your mirrors helps you see a deer on the side of the road, a car that might turn in front of you and even a cop tucked under an overpass waiting to give you a speeding ticket,” Peterson says.

Mind over matter

If you can make it through a day without crashing in New York City, you can make it anywhere. Solomon Diallo, a Big Apple cabbie, starts his day with a clear mind.

“I meditate for a few minutes before I get into the vehicle. I like to get into a mindful state so I can prepare for whatever may be on the road.”

Diallo says that meditation helps him brush off rude road hogs and pushy pedi-cabs — and a few cheap fares, too.

“I’m not upset or very stressed before I even get on the road. That helps me ignore or brush off a lot of things.”

Let off the gas

“I always use cruise control,” says Ron Sage, a salesman in Austin, Texas. “After getting three speeding tickets in four years I finally decided giving in and using cruise was easier than paying those fines.”

Sage admits his still speeds, just a little. “I set my cruise control for five to seven miles over the speed limit and sail on my merry way.”

Chewing gum for sanity

Chewing gum keeps cross-country truckers alert and awake.

“I have peppermint gum tucked in just about every crevice of my cab,” says Russ “Rusty” Johnson, a Gainesville, Fla.-based truck driver with more than three decades of experience.

“Chewing keeps my mind going and the strong mint flavor helps me stay awake while driving long distances .”

Driving is not for driving – it is for reach destination!

Scoring high car insurance rates: Inside C.L.U.E. and credit scores

It’s time you got a clue about how insurance companies evaluate your “risk” as a customer.

It’s no secret that any claim you file or accident you cause is factored into your car insurance rates. But what you might not realize is that all your claim information is collected by a private company and sold for other insurers to look at.

Along with your credit-based insurance score, C.L.U.E. (the Comprehensive Loss Underwriting Exchange) pays a major role in your auto insurance quote.

Blemishes on your good name

C.L.U.E. is a loss-history information database maintained by a subsidiary of LexisNexis Risk Solutions.

“It enables insurance companies to access prior claim information in the underwriting and rating process,” says Stephen Gillard, product principal for C.L.U.E., LexisNexis Risk Solutions.

Similar to blemishes on your credit report, C.L.U.E. auto reports include your claims that are up to seven years old. The information is reported by insurance companies themselves, and the majority of insurers participate.

“This information helps car insurance companies understand what type of risk may be associated with issuing you a policy,” says Gillard. “It predicts the likelihood of future claims.”

Gillard says the following information appears in your C.L.U.E. report, for both auto and home insurance claims:

  • Your name
  • Address
  • Date of birth
  • Policy number(s)
  • Claim information such as date of loss, type of loss and amounts paid.
  • Inquiries made concerning your coverage (for example, asking if a loss is covered, opening a claim and never completing it or receiving payment for it, etc.)

C.L.U.E. reports and car insurance rates

Joel Ohman, a certified financial planner, says that the Fair Credit Reporting Act (FCRA) entitles you to a copy of your C.L.U.E. report at no charge once a year, just like your credit report.

Here’s information on ordering your own C.L.U.E. report.

“You also have the right to dispute inaccurate information you find in your C.L.U.E. report,” says Ohman.

If you discover an error on your C.L.U.E. report — like an invalid claim report or an incorrect claim payment — report the problem to LexisNexis.

“They will contact your insurance company on your behalf and ask for clarification on the matter,” says Ohman. He says the process to dispute an item on your C.L.U.E. report is very similar to disputing something on your credit report.

The insurance company that reported the disputed data has 100 days to provide evidence that the information on the C.L.U.E. report is accurate.

“If the company does not respond within that time, the disputed item is removed from the database and your report,” he says.

Disputing information on a C.L.U.E. report and having a negative item removed may reduce your car insurance rates by making you eligible for a “good driver” discount or removing your “high-risk” label.

Add in your insurance score

Even though your C.L.U.E. report carries a lot of weight, it’s not the only factor used to judge your level of risk.

In addition to your C.L.U.E. rating, most car insurance menu companies assign drivers an “insurance score” based on their credit score.

Is your car distracting you?

Today’s vehicles feature more safety-oriented technology than ever before. These devices, including Bluetooth hands-free mobile technology, high-tech navigation systems, GM’s OnStar and Ford Motor Co.’s Sync, all have been promoted as tools to help motorists stay safer on the road and enjoy their experience.

And you may be surprised at who thinks all this new car safety is actually dangerous: U.S. Secretary of Transportation Ray LaHood. In fact, he seems intent on waging a campaign against technology that’s ostensibly meant to improve safety.

In January, The Washington Post reported that “LaHood has said he believes motorists are distracted by any use of mobile phones while driving, including hands-free calls made while using vehicle information and entertainment systems such as Ford Motor Company’s Sync and General Motors’ OnStar.”

Could advanced vehicle technology actually be causing more crashes?

Jose Alberto Ucles, spokesperson for the National Highway Traffic Safety Administration (NHTSA), says, “Anything that takes your eyes off the road or your hands off the wheel is a distraction, and people need to make sure they are completely focused on the task of driving safely. We’re aware of the rapid growth of these types of technologies, and are currently evaluating the impact on driver distraction. Based on our research, we plan to establish guidelines for manufacturers to address distraction risks. Secretary LaHood has also been meeting with automakers to discuss these matters, and they all agreed that affordable car insurance is essential!

One of the organizations with a stake in the issue is the Itasca, Ill.-based National Safety Council.

“We’ve taken a look at the broad subject for the last two or three years,” says David Teater, senior director of transportation initiatives. “We think the evidence is overwhelming that all cell phone conversations, regardless of whether they’re taking place hands-free or not, are both distracting and a safety hazard. We have not found a single credible study that shows there’s any safety improvement using hands-free devices. And at the same time, we have more than 25 peer-reviewed, published studies showing no safety improvement from using a hands-free device while driving,” he says.

The council identifies three types of driving distractions:

  • Visual. “If you’re taking your eyes off the road to input destinations into a navigation system, that’s a significant safety hazard,” he says.
  • Mechanical. That involves taking your hands from the wheel, causing a potentially hazardous situation. “But we’ve been doing that for years with manual transmissions,” Teater admits.
  • Cognitive distraction. Possibly the most dangerous of the three, this results when people’s minds are not fully engaged in the task of driving. “That leads to what some researchers refer to as inattention blindness,” Teater says. “You’re looking at the road, but you’re not seeing it because your mind is engaged in another task.”/li>

The brain cannot truly multi-task. “It toggles tasks,” he says. “It goes back and forth and switches between different tasks. That‘s why hands-free conversations are not safer. [With hands-free devices], you put one hand back on the wheel. But if you make a mistake, you can hurt or kill somebody.”

Teater recommends that you drive without multi-tasking. In other words, don’t use a cell phone when driving.

Just look at these numbers

The implications of using cell phones or other devices while driving are borne out in compelling statistics, says Teater. Car crashes are the leading cause of accidental death in the United States. People under age 35 are more likely to die in a car crash than for any other reason, including disease. Approximately 35,000 people die annually in car crashes on highways. That’s 100 people a day on average, Teater says.

How not to get hit by a car

The best way for you to avoid getting hit by a car when you’re walking is to be aware of the situations that most often lead to pedestrian-vehicle accidents.

About 12 percent of motor vehicle crash deaths each year involve pedestrians, according to the Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute.

If it seems that most of the pedestrians you observe taking risks in traffic are male, you are right, according to IIHS.

Pedestrians were almost always judged to be at fault in mid block and “intersection dash” accidents, in which pedestrians enter the path of traffic, according to a 2002 study of pedestrian deaths in Baltimore and Washington, D.C. People on foot were judged to be at fault 50 percent of the time compared to 39 percent for drivers.

Drivers are usually at fault in crashes where vehicles turned, backed up or went off the road.

Here’s how to avoid getting hit by cars when you’re walking.

  • Wait and look. Always wait for the traffic signal to turn green before crossing the street, and even then, look around. “Every pedestrian who is hit by a car never saw the car coming,” says Thomas J. Simeone, a Washington, D.C., attorney who represents accident victims. “That’s why they entered the roadway.”
  • Dress to be seen. The crosswalk may not be the right place to make a fashion statement, but the clothing you choose can make a difference to your safety, says Stephanie Schwartz, the owner of Roadrunner Traffic School in Arizona. “Pedestrians can always help ensure their own safety by wearing lighter colors,” she says.
  • Don’t wander into the street while walking next to the road. Use sidewalks whenever possible. If there are no sidewalks, it’s usually better to walk facing oncoming traffic. Also, stay away from freeways and restricted areas.
  • Don’t cross the road at a curve. Make sure you cross where approaching drivers can see you clearly.
  • Try to make eye contact with drivers before stepping onto the highway. It’s a mistake to assume that drivers always see you.
  • Don’t walk near traffic while tipsy. Alcohol and drugs can affect your ability to walk safely and make good judgments about traffic.

Watch out for quiet hybrid cars

New technology may be putting walkers at greater risk. As more gasoline-electric hybrid cars hit the road, an increasing number of pedestrians are claiming that they never heard the car that struck them. A NHTSA study that examined the crashes of hybrid cars and similar non-hybrid cars found that the percent of crashes involving pedestrians was 40 percent higher for hybrids.

Dealing with car insurance companies

If you are hit by a car while walking, you can file a car insurance claim against the driver. Just like a car-to-car accident, you want to try to get the driver’s information at the scene of the accident and make a police report.

  1. Gather all evidence that supports your car insurance claim, including the names of witnesses. Then notify the driver’s insurance company of your claim.
  2. If you have a no-fault auto insurance policy or are making a claim for uninsured or under-insured motorist coverage (for a hit-and-run accident, for example), you must submit the claim to your own car insurance company.
  3. If the driver’s auto insurance isn’t enough to compensate you, you can hire an attorney and take the matter to court. You’re entitled to be “made whole” following an accident. That may include compensation for medical bills as well as pain and suffering, lost wages from work, emotional distress and property loss.

How to share the road with (bad) male drivers

A woman whose day job involves speeding, tailgating and cutting off other drivers certainly knows something about how to share the road with men.

After all, men get twice as many speeding tickets as women do. They pay higher car insurance rates. They’re involved in rear-end accidents 30 percent more often, according to an Insurance Institute for Highway Safety report. And in a study of 10,000 serious road rage incidents, 96 percent of the perpetrators were male.

All of which makes Danica Patrick’s role as the undisputed best female race car driver in the world even more remarkable. Sure, she’s able to conjure up the aggression needed to pilot a NASCAR contender at 180 mph around Daytona or grab the first-ever checkered flag for a woman in an IndyCar race.

But after 500 miles of the most combative traffic jam on the planet, she’s able to turn that fire off for the drive home.

Take your foot off the gas

Patrick sympathizes with men (and women) who want to put the pedal to the metal.

“I have a very big comfort zone on the road because of what I do. And I love to go fast — if I didn’t, I couldn’t chase championships and pole positions. So I understand the thrill of flying down the road,” she says.

But she also understands the need to obey traffic laws.

“I don’t treat time on the open road as a time to speed. That would be ridiculous,” says Patrick.

After all, men pay a steep price for all heavy right foot: They’re 77 percent more likely to die in a car accident than a woman is, according to AAA.

“You need to have patience on the road, especially if someone in front of you is not driving the speed limit, or is going slow in the left lane.”

That kind of calm is key to Patrick’s strategy: Stay sharp, avoid mistakes, and avoid dangerous situations.

While it’s tough to stay focused and avoid distractions like billboards, the radio and in-car conversations during long stints behind the wheel, Patrick says staying hydrated helps her keep a sharp mental edge. So does a healthy diet.

“I drink a lot of water and often mix in a sugar drink to make sure I stay hydrated and have energy,” says Patrick.

She also avoids eating foods that will make her feel sluggish behind the wheel, like turkey (because of the tryptophan).

“I’m usually eating something right before getting into the car to make sure I can maintain physical and mental reserves.”

Patrick says she also tries to stay relaxed in order to focus on the road. “I try to not have a death grip on the wheel so I’m not physically exhausted,” she says.

Learning to de-escalate

Patrick has this advice for women who find themselves a potential passenger in a speed demon’s car: Take away the keys.

Ann Furber agrees: Take yourself out of the danger zone. The director of Knight Driving School in Berwick, Maine, suggests getting out of the way of a bumper-riding bozo rather than trying to keep up with him or teach him a lesson.