Month: January 2018

Car Insurance is a must for Car Owners

It is necessary for every person who owns a car to buy auto insurance. When selecting an auto insurance plan is important to find a plan that fits your needs and does not cost you more money than it should. You should take the time to educate yourself about the different types of auto insurance that are available. The following article is a great way to start.

One way to save money on your auto insurance is to buy your policy over the internet. Purchasing your policy online incurs fewer costs for the insurance company and many companies will then pass on those savings to the consumer. Buying auto insurance online can save you about five to ten percent annually.

Most people today are purchasing their auto insurance via the Internet, but you should remember not to be sucked in by a good-looking website. Having the best website in the business does not mean a company has the best insurance in the business. Compare the black and white, the details. Do not be fooled by fancy design features and bright colors.

Once you have a teenage driver in your house, your insurance premiums will go up. To save money, buy a less expensive and safer car for your teen to drive. Don’t give in if they beg you for a fancier, sportier car. The safer the car, the cheaper the insurance.

Remove towing from your car insurance. Removing towing will save money. Proper maintenance of your car and common sense may ensure that you will not need to be towed. Accidents do happen, but they are rare. It usually comes out a little cheaper in the end to pay out of pocket.

If the amount of your premium on your auto insurance seems to high, make sure to question it. If you don’t, you could end up paying an incorrect amount. Call the insurance company and ask them why your rates are the way they are. Remember, tickets and accidents can also raise premium rates.

Take a close look at your auto policy and take off any “extras” that you won’t use. For example, you might have emergency roadside assistance included in your plan. If you don’t think you are going to use this, drop it in order to decrease the amount you are spending on your insurance. Your agent can help you figure out what else might apply.

Your insurance premiums are based on your demographic information. This means that certain categories of people will pay more than others. If you find your insurance too high, perhaps someone else can insure it in their name for you. This is not illegal if this is a shared vehicle.

As was stated in the beginning of this article, before buying auto insurance you should take the necessary time to educate yourself on the different types of auto insurance available to you. If you know the type of coverage you need and the amount of money you can afford to spend, then finding the right auto insurance is not so difficult. Apply the advice from this article and you should be able to get yourself quality auto insurance at a fair price.

New Hampshire motorists in Violation of the Law
New Hampshire motorists who use drive time to chat on the phone, read the paper or apply makeup may want to focus on the road.

In that state, if you cause harm to another vehicle or a pedestrian while engaged in an activity behind the wheel, you face a maximum fine of $1,000 and lose your license for up to a year.

“This is a good deterrent to have on the books,” says Peter M. Thomson, coordinator of New Hampshire’s Highway State Agency. “I travel 65 miles to work, on Interstate 93, and I see a ton of distracted drivers. You name it, and I have seen it. It drives me crazy to see people trying to drive with a full plate of food on their lap while trying to steer with their knees.”Visit this website

New Hampshire’s no-nonsense law carries the greatest fine and penalty of the nine states with the harshest laws for distracted drivers on our list.

Distraction Equals Accidents

Almost 80% of crashes and 65% of near-crashes involved some form of driver inattention within three seconds of the event, according to the 100-Car Naturalistic Driving Study, conducted by the Virginia Tech Transportation Institute and the National Highway Traffic Safety Administration (NHTSA) and released in April 2006.

The most common distraction cited was cellphone use (followed by drowsiness).

Bans on using a handheld cellphone while driving are in the works in several states, including California, which on July 1 will become the latest state to ban cellphone use, joining New York, Washington, D.C., Connecticut and New Jersey–though hands-free phones will still be permitted. This will be a primary offense, meaning police officers can ticket motorists talking on a handheld phone even if they haven’t violated other traffic laws.

Connecticut bans the use of handheld cellphones, yet goes a step further by prohibiting the use of other electronic devices, such as personal digital assistants. New Jersey does the same and adds text messaging to its list of specific offenses. Washington State banned text messaging in January and, come July 1, will prohibit the use of handheld cellphones in general.

Ohio is the only state on the list that doesn’t ban using cellphones while driving. But, in Ohio, it is a primary offense to drive while wearing earphones or earplugs for listening to devices such as iPods or CD players (though ear-in devices for cellphones are permitted). This law has been on the books since 1989. Violators are cited for committing a minor misdemeanor, which carries a maximum fine of $1,000, says Bradley Shaw, a spokesman for the Ohio State Highway Patrol. The amount of the ticket varies by county and is determined by your driving record, prior convictions and other moving violations.

While other states are debating bans on cellphones, text messaging and other distractions, lawmakers and auto safety agencies continue to review the best ways to deal with people who insist on multitasking while driving.

Like New Hampshire, Utah prohibits multiple activities that it deems distracting, like smoking, eating, drinking and “physically attending to a passenger.” The maximum fine is $50 on top of fines incurred for related moving violations, such as running a red light or causing an accident.

Rules For Hands-Free Phones

No state has entirely banned the use of cellphones while driving; you can still use hands-free wireless devices, but the rules aren’t the same for all drivers. Seventeen states and the District of Columbia have various levels of restrictions for all cellphone use, hands-free included, for teens age 18 and younger, according to the Insurance Institute for Highway Safety.

For now, drivers over the age of 18 with full driving privileges can use hands-free communication devices, even in the states that ban handheld electronics. But this is something that Clarence Ditlow, executive director of the Center for Auto Safety, a Washington-based consumer watchdog for auto safety and quality founded by Ralph Nader in 1970, is fighting to change.

In March, the CAS filed a petition with the NHTSA, asking the agency to write rules prohibiting the use of interactive systems that allow drivers to have wireless access to e-mails and phone calls. “There is a false perception that hands-free phones are better,” says Ditlow. “Your mind is still off the road and focused on the conversation.”

When Washington’s ban on text messaging goes into effect July 1, it will be a secondary offense; you’ll only receive a ticket if you commit another moving violation, other than speeding. Though the same holds true for distracted-driver laws in several states, it pays to play it safe. In Connecticut and New Hampshire, for example, the fines and license-suspension terms go up with each offense.

However, you don’t have to worry about inadvertently breaking the law when commuting across state lines: The Insurance Institute for Highway Safety ( www.iihs.org) and AAA publish a state-by-state listing of cellphone bans and distracted-driving laws.

Story by Jacqueline Mitchell, Forbes.com

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