March 23rd, 2007
This is post two of two in a series offering tips on how to avoid car collisons with animals.
You should also be especially cautious when driving on roads that are surrounded by trees, woodlands, or large fields. Animals tend to live in forest and field areas, and often may try to cross the road, especially when the tree line or field run right up to the roadside. Quite often, the brush or fields near the roadside are tall and make it very difficult to get a jump on an oncoming animal. Typically you won’t see them until the last second. You should be even more cautious in Autumn if you live in an area heavily populated with deer. The Fall season is not only the time when deer are breeding, but it is also hunting season, which results in a great deal of movement by these animals.
If you are driving and see a few animals off to the side of the road or nearby in a field, it would be wise to slow down. Seeing one animal is a good clue that there may be more nearby, so stay on guard. You should also remember that many times animals who are in the road may freeze when they see an oncoming car so don’t assume that they’ll move when they see you. You may have to come to a complete stop and honk your horn to shake them out of their stupor. Sometimes patience may be your best strategy when seeing a larger animal in the road. It may be better not to honk your horn as the sound might draw them to your vehicle rather than away from it. Quite often if you wait a little while, they’ll move off the road on their own.
All across the country, there are many great drivers who are dealing with increased car insurance rates due to an accident with an animal or because they live in a location where forest or field animals make their homes. Being alert and following these tips can help you prevent an accident and in-turn, keep your car insurance rates low as well.
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March 23rd, 2007
This is post one of two in a series offering tips on how to avoid car collisons with animals.
While being a great driver and following common driver’s safety tips can save you from a vehicle accident, often times it may be more difficult to avoid an accident with an animal. Whether you have an accident with another vehicle or an accident involving animals, more than likely your car insurance rates are going to increase. Accidents that involve cars hitting animals can actually be very dangerous, and they can do a great deal of damage to a vehicle, even resulting in serious or even fatal injuries to both the humans involved and the animals. Over 1.5 million car vs. animal collisions occur every year. While deer are the most common animal struck, others, such as elk, moose, livestock and bear can pose greater dangers. So it is important that you stay alert and do everything in your power to avoid having a collision with an animal.
First of all, it is essential that you are particularly aware during the hours at dusk, dawn, and of course whenever it’s dark. Most accidents with animals happen during these hours because it can be very difficult to see. Make sure that you have your headlights on and that your headlights are both working properly. If you’re in a rural area, don’t be afraid to use your high beams. Many times great headlights provide enough visibility to help you avoid having a collision with an animal. Also be very wary when driving through areas with low-lying fog.
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February 28th, 2007
This is post two of two in a series about how specific car features can affect how much you pay for auto insurance.
Cheaper Cars
Yes, you probably want to get that great looking sports car or that luxury sedan, because you know how good you’ll look behind the wheel. But what won’t look great is how much you’ll be shelling out for car insurance. The more expensive your car is, the more you can expect to pay on your car insurance. It’s clearly logical but too often, people don’t think about how much it’s going to hit them in the pocket book when they buy an expensive automobile. It’s like buying a house without considering how much you’ll be paying for property taxes. Not only will a cheaper car be less expensive for you to purchase, but you will also be able to save hundreds each year on your car insurance as well.
Safety Features
The safety features that are included in your car are also very important when it comes to your car insurance rates. If your car is older and has few safety features, it may cost you on your insurance premium. Having front passenger and driver airbags can result in you getting a great discount on your car insurance as well as having an ABS braking system. Side airbags in your car can give you even more discounts and help you to get better car insurance rates. Alarm systems or theft deterrent systems can will help lower your rates. Insurance companies realize that the safety features in your car can help keep you safe even if you are in a car accident, and they will probably have to pay less money on a claim if you happen to be in an accident, so accodingly, they offer better rates.
Remember, what type of car you drive plays an important part in the amount you pay for car insurance. If you are looking to keep your rates low, then consider purchasing a car that will get you the very best car insurance rates possible.
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February 27th, 2007
This is post one of two in a series about how specific car features can affect how much you pay for auto insurance.
Almost everyone is looking for ways that they can save money, and one place where many would enjoy cutting costs is on their car insurance rates. Car insurance can get pretty pricey, and believe it or not, specific car features actually play a very important role in determining the car insurance rates you get. If your rates are extremely high, then you may want to consider selling the car you have and investing in a different, more insurance-friendly vehicle. Here are some features that will affect how much you pay…
Cars with Smaller Engines
If you want to get low rate car insurance, then you may want a car with a smaller engine. Some insurance companies offer lower insurance rates for those who have a car with smaller, 4-cylinder engines. If you have a sports car with a large engine or a four wheel drive vehicle, chances are you will be paying quite a bit more for insurance. Just choosing a car that has a little less pop can not only save you money at the gas tank, it can end up saving you in insurance as well.
Forget Red
Many people, especially women, are drawn to red cars. But if you own a red car, you might see the effects on your insurance rates. While many people are oblivious to it, the color of your car can actually play an important role in your car insurance rates, and a red car is one of the worst colors to have. Studies have shown that red cars are in more accidents that other colors and also “attract” more tickets. Choosing a car that is black, gray, green, or blue, more conservative colors, can help to keep your rates low.
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