How to Keep Insurance Costs Low With a Teen Driver

Having a teenager on your insurance policy can inflate your annual cost through the roof! Take a look at the most expensive and inexpensive states, plus helpful tips that could lower your insurance rates.

It’s known that teens are the most dangerous drivers on the road.  Per mile that’s driven, teens between the ages 16-19 are three times more likely than drivers aged 20 to be involved in a fatal crash, according to Insurance Institute for Highway Safety (IIHS).  Therefore, it is not surprising that adding teens to a car insurance policy would eventually result to an increase in policy cost.

The most surprising is how much the policy increase varies from state to state.

When adding a teen driver to an insurance policy, the annual premium can increase by 84 percent (about $2,000) on average.  But that number can be much lower and higher depending on where you live.

To add a teen driver to an existing policy increased the most in the following five states: Arkansas (116 percent increase), Utah (115 percent), Wyoming (112 percent), Alabama (111 percent), and Idaho (107 percent).

However, the following five states listed showed the smallest percentage increased: Hawaii (18 percent increase), North Carolina (59 percent), New York (62 percent), Massachusetts (65.9 percent), and Montana (66.06 percent).

Hawaii policy structure is a little different.  Their unique law disallows insurance companies to consider age, gender, or length of the driver’s experience, when determining the insurance premium.

Insurance industry experts were surprised by the findings and explained that the reasons for the differences in premium increases were many and nuanced. They stem from many factors, according to Mike Barry, spokesman for the nonprofit Insurance Information Institute, including state geography, local driving patterns, and how insurance is regulated in each respective state.

Parents looking to keep insurance costs down can take a few different actions. These include buying your teen driver an older car, ensuring your teen has a safe car and taking advantage of the numerous discounts offered by the major insurance companies.

Continue reading about policy rates and ways to find insurance discounts: http://aol.it/12zJpoI

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Digital Technology In Your Car

Many people’s main focuses are on the cool technology features the car offers. Check out a timeline on the progression of the technology of cars over the years!

The ideal car is your way from point A to point B. But as time has passed, your car has evolved into something much more than just a motor vehicle.

In recent times, we’ve began to see cars that can park themselves, alert you of something or someone in your blind spot, and even come with Wi-Fi included. The infographic gives a timeline of improvement that ultimately make your car safer. You can see how rapidly we’re making headway in producing safer vehicles.

In a sense, cars are also becoming more travel friendly. You can sync your iPod or smartphone to a good number of cars being developed. What comes from that is access to a GPS navigation system, hands free communication, and a way to jam out when you’re on the go. What should be the next thing to lookout for in motor vehicle improvement?

Click here to read the full article at The Daily Infographic: http://bit.ly/P5FwCh

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How to Keep Your Kids from Driving You Crazy During a Road Trip

Road trips are long. Kid’s in the back of the car asking, “Are we there yet?” every five minutes can make them even longer. If you can keep your kids occupied and happy you’ll be able to stay sane for the ride, as well as remain less distracted. Howstuffworks.com came up with a list of the top 10 things you can do to keep your kids happy on the road. In this blog we discuss some of the highlights:

·         Set Expectations – It’s almost so easy that you wouldn’t even think of it. Make sure before you leave for your trip your kids already know how you want and expect them to behave. Make sure they are prepared for a long ride, and give them incentive to be good, for example: allow the kids to bring their two favorite toys with them as long as they promise to behave during the ride.

·         Bring along plenty of toys – Some kids like dolls, some like sports balls, some even like books. Whatever it is they like, let them bring it. If it is something that can be played with inside the car it will give them something to occupy their time with. If it’s something involving an outdoor activity, like a Frisbee or a soccer ball, set aside 15 minutes during rest stops to let them play with it. It’ll even give you a chance to play with them and ease some of the travelling tension.

·         Reward good behavior – If things aren’t going well give kids an incentive to clean up their act. Good behavior means they get to choose where you eat that night, or else it warrant a stop at the next ice cream stand you go by. You can also use this tip in reverse. For example if your child won’t stop complaining tell them they won’t get to swim at the hotel pool that night.

·         Let the kids have a say – If you allow the kids to make decisions for certain parts of the trip it’ll keep them happier and give them less things to whine about! Let them choose the road music for an hour or two or allow them to pick a few road games to play while you drive.

·         Don’t skip the pit stops – This one is important. Too much time in the car will make anyone unhappy, kids and adults alike. Make sure to stop every two or three hours to go to the bathroom and stretch a little bit.

Click the link to read all ten tips: http://bit.ly/X1DJik

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Fun Car Facts

Start your Monday off with a little humor and check out some hilarious car facts that many people rarely know about!

 

Americans have been driving for over 100 years now. The United States is currently ranked first worldwide in cars per capita.  Along the years, there have been an abundant of funny facts on cars and the culture. Keep reading to see the most outrageous true facts!

The Early Days:

·         The first speeding tickets were given out in 1902.  The top speed of most cars then was approximately 45 miles per hour in that time.

·         Some of the first cars used a pair of levers to steer the automobile.  The invention of the steering wheel was not introduced for several years later.

·         Before the 1920s, cars were not equipped with gas gauges.  This forced the drivers to estimate their fuel level.

Drivers:

·         In 1914, Cleveland, Ohio was the first city in the United States to incorporate a traffic light for their roads.

·         On average, Americans will spend a total of two weeks of their life at red lights.

·         In order to drive on all paved roads in the United States, you will have to drive nonstop at 100 miles per hour for over four years.

Miscellaneous:

·         Most car horns play in the perfect pitch in the note of F.

·         The average car contains over 3,000 feet of electrical wires.

·         One out of every 7 seven cars sold in the United States were bought in Southern California.

 

Read more funny facts from the eHow article by clicking the link: http://bit.ly/hHH1RC

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Car Wash Do's and Don'ts

Summer weather is officially here; so don’t dull it up with a terrible car wash! This blog has a list of the best car washing tips and the things you should try to avoid.

 

It  is a fact that frequently washing your car is the best thing you can do to maintain your vehicles finish and preserve its’ showroom shape.   However, careless washing can leave your paint in poorer condition than when you started. Using the right materials and techniques will make the wash easy. Here’s a list of some basic car-washing dos and don’ts that will help keep your vehicles’ finish in prime condition.

·         Don’t: Do not wait to do a full wash when bird dropping is noticed.  Due to the high acid content in bird dropping, it can potentially destroy your clear coat.

·         Do: Rinse your vehicle off after a period of rainy weather. The acidic rainwater could remain on the surface after the droplets have evaporated.

·         Don’t: If vehicles’ sheet metal is hot, do not wash your car.  The heat will help the soap and water to dry up, which can possibly dull the finish 

·         Do: Hose off vehicle before washing. The prewash cools the sheet metal and remove loose debris that could scratch the paint.

 

Read the rest of the Do’s and Don’ts tips here: http://bit.ly3/p2WWiY.

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How to Properly Check and Fill Your Tires

Checking your tire pressure and adding air seems like such a simple task that you don’t even need to think about it. But keeping your tires at the proper pressure and knowing how to fill them correctly is a very crucial task. It will help your tires last longer and make your ride smoother.

This article from Cars.com lists tips for checking your tire pressure as well as instructions for how to fill your tires in order to keep them in the best shape possible.

Before starting

To find your tires' proper inflation level, look for a sticker on the driver-side doorjamb. It displays the vehicle weight restriction and tire information. The info is also found in the maintenance or car-care section of your vehicle’s owner's manual.

Don't refer to the sidewall markings on your tires, which in part specify the maximum tire pressure — not the recommended pressure.

Unless your tire is visibly flat, don't judge tire inflation just by looking at it; you have to use a tire pressure gauge to get the correct pounds per square inch reading. There are three types of tire-pressure gauges: digital, internal slide and dial. Prices range from $5 for a basic gauge to more than $30 for one that is digital, has an air-release button — or even talks. All will do the job, but you may want to consider the conditions in which you'll be using your gauge. "We've found that low-cost digital pressure gauges are very accurate and maintain the accuracy longer, but in extremely cold temperatures the gauge may not show up properly," said John Rastetter, Tire Rack's director of tire information services.

Tips for checking and filling your tires

Tire manufacturers suggest checking tires when they're cold for the most accurate reading. Outside temperatures can cause tire pressure to vary by as much as 1 psi per 10 degrees; higher temperatures mean higher psi readings. "Tires are black; what does black do? Attract heat," Rastetter said, noting the importance of finding a shady place to check and fill all four tires.

Temperature plays a huge part in tire psi, Rastetter said, adding that the most crucial time of year to check pressure is in fall and winter when days are shorter and average temperatures plummet.

Check your tires in the morning before going anywhere, because as soon as you get behind the wheel for an extended amount of time, psi will rise. Rastetter said that if you've been on the road a long time and notice higher psi in your tires, don't let the air out, as the increase in pressure has built up due to the warm, constantly-in-motion tires

What to do

1. Pull your car onto a level surface in the shade.
2. Remove dust caps from the tires' valve stems.
3. Using your tire gauge, firmly press the tip of the gauge straight on to the tire's valve stem for a brief moment.
4. The tire gauge should provide a psi reading; if the number seems unrealistically low or high — for example, 85 psi or 1 psi – you will need to repeat the previous step, ensuring that the tire gauge's tip is properly making contact with the valve stem.
5. If the tire gauge's recorded reading is higher than the manufacturer-recommended rating, press the gauge tip on the valve stem until you hear air leak out. Check the tire pressure again.
6. If the reading is lower than recommended, fill the tire with air by firmly pressing the air-hose tip onto the valve stem. You will hear air quietly enter the tire. If you hear air leaking or spraying out, you need to double-check that the connection between the air hose and the tire’s valve stem is secure.
7. When you think you've added or let out enough air, check the pressure a few times with the gauge.
8. Replace the valve dust caps. Rastetter emphasized the importance of keeping dust caps on during winter driving because if water gets into the valve stem and freezes inside the tire, it could cause a flat.

While you're at it, check your spare tire's pressure. You don't want to have a flat tire and then find out your replacement is flat, too.

Make these steps part of your routine. It will benefit your vehicle and your wallet.

Click the link to read the whole article from Cars.com: http://bit.ly/18LONXi

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The Car of the Future

What does the car of the future look like? We have all wondered it at some point. Will it drive by itself, or communicate with other cars to avoid accidents? The infographic below from InsuranceQuotes.com paints a picture of what the car of tomorrow may possibly look like. Take a look and see how it compares to today’s cars.



Click the link to read the original article from Mashable: http://on.mash.to/107IRat

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