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Low Rate Car Insurance - Tips for Avoiding a Car Accident (Part Two)

March 6th, 2007

This is post two of two in a series regarding ways you can avoid car accidents and keep your car insurance rates down.

Tip #4: No Tailgating - Many accidents occur as a result of drivers following too closely to the car in front of them. Not only can you end up in an accident by driving this way, you may also be ticketed for following too closely. The combination will increase your car insurance rates significantly, so it is best to maintain a proper distance between you and the car in front of you. A good rule of thumb is to keep at least three car lengths in between you and the next car, and a larger distance is better if you are going faster than 45 mph.

Tip #5: Use your Mirrors - When you first get into your car you should automatically check all of your mirrors to be sure that they are correctly adjusted so you can see. While you’re driving it’s wise to constantly check your mirrors so you know what traffic is around and behind you at all times. Many accidents are caused by people changing lanes and not seeing someone in their blind spot, so be sure to use your mirrors and your blind spot(s) as well.

Tip #6: Take Road Conditions into Consideration - When it’s sunny and the roads are dry, the driving conditions are much different than when it is raining or snowing. If it is raining or your driving at dusk, take precautions like turning on your lights a little earlier than normal. Make sure you now how to retain control of your car if you go into a skid and also make sure that you adjust your speed according to the conditions as well.

These are just a few tips that can help keep you from having an accident. Accidents can cause a jump in your car insurance rates, so take the time to drive carefully and cautiously to keep your rates low, and you and other drivers on the road safe.

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    Low Rate Car Insurance - Tips for Avoiding a Car Accident

    March 6th, 2007

    This is post one of two in a series regarding ways you can avoid car accidents and keep your car insurance rates down.

    Being involved in an auto accident can instantly raise your car insurance rates, especially if you are at fault. If you want to make sure that you don’t see an insurance hike due to an accident, there are a variety of tips you can follow to help you avoid being in an auto accident. While there are times when you cannot prevent an accident, there are many helpful things you can do to lower your chances of being involved in an accident, which would open you up for paying higher rates for years.

    Tip #1: Don’t Drink and Drive - You hear this over and over again but people are still foolish enough to think they can get away with it. Statistics show that many more accidents occur when someone has been drinking, since the perception and ability to reason quickly is negatively affected. Before you decide to drive when you have been drinking, consider the harm you could do to others or yourself if you decide to drive under the influence.

    Tip #2: Maintain your Car - Another way that you can avoid having an accident is to make sure that your car is properly maintained. Keep enough air in the tires and make sure that your tires are road worthy. You should also make sure that other routine maintenance is done on a scheduled basis. Many accidents have occurred because of a car that had bad tires or some other problem that could have been prevented with proper maintenance.

    Tip #3: Get Rid of Distractions - It is important that you eliminate as many distractions as possible while you’re driving. Reading the newspaper, putting on makeup, or talking on your cell phone while you are driving can increase your likelihood of losing focus and having an accident.

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    Low Rate Car Insurance - What is Gap Insurance?

    January 12th, 2007

    So, what exactly is GAP insurance? In a nutshell, GAP insurance was created to provide auto insurance protection for “new” cars that are being financed. Application example…If a new car were stolen or totaled in an accident, Gap insurance will pay the difference between the cash value of the car and the current outstanding balance on your auto loan or lease. You see, when a new car is driven off the lot, it depreciates quite a bit. So, if your car were stolen a week later or totaled in an accident, your insurance company would pay what the cash value is on the car, not what you paid for it the previous week. Because of depreciation, this cash value would be quite a bit lower than what you paid and you would be stuck paying off the difference. That’s where Gap car insurance comes in.

    Typically, Gap insurance covers accidents and thefts but you should check with your agent and make sure, because as we know, all policies are not created equally. Find out if it covers fire, tornado, vandalism or any other concerns you may have.

    Gap insurance is not required when you buy a policy for your car. When you purchase your car, the dealership may ask you if you want to purchase Gap insurance from them. Normally you don’t want to do this because the premium price offered by dealerships is typically very high. Ask your agent if they offer it and how much it costs. Some insurance companies build in Gap insurance into your policy automatically so you may already have it.

    Car owners generally assume that if their car is totaled or stolen, their policy will cover the value of the car, which many assume is what they owe on the vehicle were they to finance it. What you owe on the car and what the actual value of the car is almost never the same.

    If you want Gap insurance, find out if there are any exclusions to the policy such as maximum limit or loss. The policy might have a maximum coverage dollar-wise or a ceiling on the loan-to-car-value ratio that they won’t go beyond. There also might be exclusions having to do with how your auto loan or lease is structured, loan amount or term of loan. Check all details with your car insurance agent before you buy. It’s also a good idea to estimate how long you’ll need the policy based on your car’s value moving on into the future. Your car’s greatest rate of depreciation is when you drive it off the lot and slows down considerably after that.

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