National Insurance Safest Vehicles
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National Insurance Safest Vehicles
What is Auto Insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
* Property coverage pays for damage to or theft of your car.
* Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
* Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
How is your auto insurance policy price determined?
The average auto insurance policy price is derived from a variety of factors.
Many of these variables are common knowledge and make sense for the most part.
it’s always a good idea to refresh yourself with what insurance companies are looking for when determining how much your coverage will cost.
*Driving Record
*Coverage Amount
*Age
*Vehicle Model and Driving Mileage
*Your Residence
What auto insurance coverage?
What types of auto insurance coverage to choose from?
*Liability: coverage is the primary – and usually mandatory – part of the auto insurance equation. Liability means what the word implies: it saves your bank balance when you’re liable for destroying someone else’s car or body parts.
*collision: which is not to be confused with liability. Liability pays the bills for damage you cause to the other party; collision covers damage done to your own car. If someone else totals it, his liability pays for repairs (assuming he doesn’t hit and run), so if you can follow the aforementioned tip of not crashing, you generally shouldn’t need collision. In simplified terms, buying collision insurance can be thought of paying someone to save you from yourself. The safer you drive, the less necessary it becomes.
*Uninsured/underinsured motorist coverage, required by most states, is always a good idea knowing that 17% of drivers out there don’t have any insurance, and a lot of the rest probably skimp by on the sometimes-inadequate state minimums. This usually varies in tandem with the body injury part of liability. Don’t sweat it too much, as the premium is a mere fraction of liability.
*Personal Injury Protection (PIP) or Medical Payments (MedPay) provides reimbursement for medical bills of you and your passengers regardless of who’s at fault, and for resulting lost wages. This is an option – one that those with good health insurance plans might not want to exercise.
*Rental reimbursement simply pays for the cost of renting a car. Even if it costs $30 a year, why bother? $30 basically buys a one-day car rental, so it’s hardly worth it unless you get stranded a lot. (In which case, you might want to switch cars.) If you own a second car, this is completely unnecessary. The same reasoning applies to towing insurance and the like.
*GAP insurance, which covers the difference between what the car is actually worth and what you owe. This might be an attractive proposition for a car that with heavy depreciation, which is a symptom suffered by young cars in general. A $20,000 car might drop to $12,000 in market value after a year. If you total the car at that point, $12,000 is all you’ll get from your insurance company, yet you’re still obligated to the $16,000 in payments that still remains. Obviously, $4,000 is one gap you’ll want closed.
Can you raise or lower your auto insurance rate?
There are 10 factors that can raise or lower auto insurance rates
*Your Age
Generally younger drivers are considered to be high risk and so the insurance rates are higher.
*The make of your car
Most insurance companies tabulate auto insurance rates based on the make of the vehicle. Compact cars and sedans have lower rates while sports models, exotic cars, and SUVs are assigned high rates of premium.
*Gender is a factor too
Females get lower rates of auto insurance while males pay higher auto insurance premiums.
*Financial stability
Auto owners with great credit scores and credit reports generally pay lower premiums than those with bad credit scores and reports.
*Driving records have a say in premiums payable
If a driver has a clean driving record for three consecutive years then auto insurance providers will happily extend policies with lower premiums.
*Where you stay
Those who live in the city pay more than individuals who live in the country or suburbs. Areas with lower crime rates and less congestion attract lower auto insurance premium rates.
*How many insurance policies you hold
If you approach for auto insurance the same insurance company that has you covered for life, health, hone and so on then you would automatically be eligible for great discounts on premiums payable for an auto insurance policy.
*The condition of the car will be considered before offering a policy
The make, how old the vehicle is, its maintenance, and so on. A car in prime condition will get better premium rates than a rattletrap.
*The distance traveled per year
If you restrict the number of miles traveled then you will be able to get auto insurance at lower rates. To do this you need to walk, use public transport, and car pool.
*Whether or not you are eco-friendly
If you care for the environment and drive a non polluting vehicle then the auto insurance premiums will be lower.
Why do you need international vehicle insurance?
If you live in a foreign country for an extended period it is important to ensure that your vehicle is properly insured at all times. International vehicle insurance is specially designed to meet the needs of:
* Diplomats.
* Expatriates.
* Humanitarian organizations.
* International businesses.
* International charities.
* International schools.
* Religious orders.
* United Nations agencies.
International Vehicle Insurance should include cover for:
* Accidental damage, fire and theft risks.
* Protection against windscreen breakage and for fitted accessories such as audio equipment.
* Additional protection against riot, civil commotion, hijacking and armed robbery.
* Hurricanes, earthquakes and flooding.
* Payment of the purchase price for a seriously damaged or stolen car that is less than 12 months old (on Non-commercial Policies only).
* Immediate cover anywhere in the world (except the USA and Canada).
* Multiple vehicle and fleet discounts.
Can your age be a problem in auto insurance?
In auto insurance know as the age factor.
Your age can be a big problem in auto insurance. It could also be a great advantage. Whichever group you fall into, there’s a way for you to make the most remarkable savings in your auto insurance premium.
*If you’re above fifty-five thank your stars. You’ve entered the hallowed zone in auto insurance. If you don’t get pampered by an auto insurance provider now, you never will. This is because you belong to an age group that has a high reputation of road safety.
*If you’re under-25, you’re considered a very high risk as far as auto insurance is concerned. Yes, if you’re in your early twenties you’ll be better off than a teenager. However, you still are a high risk group.There are several options open to you.
-You can get married if you are old enough and it makes sense in your circumstance. I’m not kidding here. Marriage does reduce the perception of risk auto insurance providers have of you.
-Another thing you can do as an under-25 is to be on your parent’s auto insurance policy.
Why is Women’s auto Insurance So Much Cheaper Than Men’s?
Statistically, women drivers are the safest on roads, and therefore are rewarded with cheaper premiums for car insurance. Women on Wheels combines these discounts with supreme cover, that automatically includes a free replacement car (on comprehensive), free abroad travel, and free legal cover!
About the Author
Adel Khamis Helping You To Know Every Thing About insurance for more information visit : All Insurance Types | Any Purpose Loans | Used and New Cars Pricing | Car Buying Guide
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The Drawbacks Of In-Vehicle Technology
More and more technological advances designed to aid driving and to make driving safer can, in some cases, have the opposite effect. Automobile dashboards are starting to look like aircraft cockpits and, as any fighter pilot can tell you, more and more instruments and displays can be overwhelming; preventing the pilot from doing the basic job of actually flying the aircraft. Computerized displays in the dashboard can be very distracting and some safety innovations can give the driver a false sense of security leading to more dangerous driving behaviors. A recent National Highway Traffic Safety Administration (NHTSA) study conducted by Virginia Tech showed that 80% of vehicle collisions involved driver inattention within three seconds of the event. A car traveling at 40 mph covers almost 60 feet per second and a driver whose attention is diverted for just two to three seconds can cover up to 176 feet. A lot can happen in that short span of time.
In-Dash Computers – New powerful computers are available that offer entertainment, GPS, and standard computing options. They come equipped with wireless Bluetooth technology, touch-screen controls and USB ports for adding keyboards to write emails. While they may offer some convenience, trying to read a selection menu on a small in-dash computer screen requires a lot of concentration that should be devoted to the road ahead. Another thing to remember is that, with the exception of GPS and back-up cameras, visual display devices, such as a computers or video players in view of the driver is illegal in many states.
GPS – This is a tremendous technological advance for anyone who travels a lot. Anyone trying to find their way around a strange city knows what a terrific device it can be. However, taking your eyes off the road to read the map or to use the touch screen to punch in a destination can be very distracting. Some GPS systems have an interlock that prevents a driver from entering data while the vehicle is in motion. Experts say that while all GPS devices are distracting the safest devices are the voice activated systems that don’t require looking at or touching the screen to program or receive data.
Electronic Stability Control (ESC) – This system, which will be required standard equipment in all new cars beginning in 2012, uses computers and independent brakes on each wheel to “steer” the car to prevent a skid and, ultimately, a roll over. The drawback in this system is that drivers may feel they can drive faster and take more risks because the ESC is there to keep them from losing control.
Adaptive headlights – These headlights pivot in the direction that a driver is turning allowing them to see objects around a bend sooner. The Insurance Institute for Highway Safety (IIHS) cites studies that have shown that drivers on dark curving roads feel they can go faster when the road is equipped with reflectors or other road markers. IIHS feels that adaptive headlights may provide a false sense of security prompting some drivers to drive even faster.
Lane Departure Warning – This system can detect an unintentional lane departure (if the turn signal is not activated) and either vibrates the steering wheel, activates an alarm and in some cases applies the brakes to keep the vehicle within the lane. This will be a terrific lifesaving device as long as drivers don’t allow it to substitute for a good night’s sleep before hitting the road or feel that they can allow their eyes to wander off the road for longer periods of time.
Blind spot detectors - Mounted on the rear view mirrors, this device signals a driver either by a light, audible tone, or both that another vehicle is in the driver’s blind spot. It is normally activated when the driver activates a turn signal. The blind spot detectors are mounted on the rear view mirrors and the IIHS feels that many drivers may ignore them or, in heavy traffic, shut out the constant warnings of vehicles in the blind spot.
Technology is great but it can’t make up for an irresponsible driver. These potentially life-saving systems are only an effective back-up for those drivers who stick to the speed limit, drive safely, and act responsibly. Read more Safety Alerts related to vehicle safety features and technology at the National Safety Commission.
About the Author
Dave Herron works for the National Safety Commission as a driver safety educator and trainer. He contributes to the weekly Driver Safety Alerts and develops driver safety courses.