The Top 10 Mistakes Most Drivers Make

Many people you speak to will consider themselves an excellent driver if they never speed, never drive drunk or tired, and always keep their car insurance updated. However, many accidents are caused by simple, everyday occurrences... things that some of us do every time we hop in the car. Today we look at the top 10 most common, and insidious, driving errors.
1. Swerving/drifting
The underlying cause for the drift can be varied - misjudgement due to alcohol, distraction, or simple inexperience. Whatever the actual cause is, if swerving or drifting is it's symptom, you're likely to be making a car insurance claim.
2. Overcorrecting
Panicking at a near miss and overcorrecting often causes far worse crashes than the original would have been. A great way to train yourself out of this panic is to take a defensive driving course.
3. Getting angry
The traffic situation that prompted your anger might not have been your fault. But you will be the one to wear the consequences if you get angry... get distracted... and then crash into another car.
4. Misunderstanding/forgetting give way rules
You could also add 'blatantly flouting give way rules' to this point. The give way system is the single most important thing keeping order on (and chaos off) our roads. Make sure you are up to date with the give way rules, and stick to them stringently.
5. Travelling too fast for road conditions (even if not speeding)
Travelling faster or slower than the average speed of the traffic is a major cause of road traffic accidents and car insurance claims. You don't have to be speeding to be driving too fast. Incidentally, you don't have to be speeding for the police to pull you over for driving too fast, as well.
6. Pushing buttons
This comes under the umbrella of distraction, which causes around 8 out of 10 road crashes.
7. Driving while upset
Driving often calms us when we're upset. However, being upset doesn't do any reciprocal favours for your driving ability. It's one of the major distractions, and around 80% of crashes involve a form of distraction.
8. Mixing up the brake pedal and accelerator
This happens most often when we are internally distracted - by emotions or thoughts. You'd hate to have to explain this to your car insurance company... just focusing on the road while driving can.
9. Taking risks
Gambling on the road doesn't always have negative consequences. But sometimes, the results are life-destroying. If you're in doubt about the safety of a manoeuvre, stopping and waiting is the safest strategy.
10. Not understanding skid control
About 15% of all accidents (depending on the region you live in) are caused by vehicles skidding. Skid control advice is usually oversimplified - just turning in the direction of the skid, braking and then correcting doesn't always help. A defensive driving course is your best bet, letting you practice as well as get the theory... and hopefully avoid unnecessary car insurance claims!

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Best Automobile Insurance Companies - How Can You Tell The Best From The Rest

Just what are the qualities that make for the best automobile insurance companies? The answer to this question could mean the difference between a decent quote or a bad quote, but it could also mean the difference between good coverage and bad coverage. This article will reveal the things that make an insurance provider, worthy of being called the best. And after reading you'll be able to make a better choices when looking to insure your automobile...
Insurance Is Accessible - No Expensive Upfront Fees
The best automobile insurance companies will strive to make insurance accessible and won't go overboard when setting policy rates. Insurance policies as you may well know are based on several variables, but there is a standard element to any policy. This is the element that you should pay close attention to. If it's too high stay away from he company; no matter how much they claim to be the best.
Sound Payout Record
It is often said that insurance companies make every effort NOT to payout in the event of an accident, and if the infomercials are to be believed then finding an insurance company that has a decent payout record is super important. It isn't too difficult to spot a company with a poor record of payout. The Better Business Bureau and other consumer watchdog organizations usually have ample data on the poorer performing companies.
The payout record of a company should also inform your decision about the type of coverage you take out. Typically, the better the payout record, the greater the coverage you can take out. And since the better the coverage the higher the premium, you simply cannot afford to make any mistakes in this department.
Reasonable Deductible Percentage
The deductible percentage represents the amount that you'll have to fund in the event of an accident. It varies from provider to provider, but your goal should be to select the provider with the lowest percentage. This percentage can always be increased by you later on, should you decide to use it as cost saving measure on the overall quote itself.
The pointers outlined above represent the best criteria for identifying the best automobile insurance companies. The list of course isn't exhaustive, but is a sound enough to enable you to make a decent choice. Additionally, you can increase your chances of getting a good quote and good coverage by choosing an online company. In fact, an online company will allow for even greater cost saving since they're usually cheaper than their offline counterparts.

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American Auto Insurance - Finding the Right Company

If you are planning to take an auto insurance package for your vehicle, you will be able to find many options and choices in front of you. However, you just cannot blindly go for a package without having much information on the benefits offered by it. Therefore, you should take your own time for finding the right package for you. In this content, I would like to provide you some basic information, which you should keep in your mind when looking for an American auto insurance company. Although there are many popularity insurance companies across the country, selecting the right option should be done with proper care. It is not easy to know whether the insurance company you select will be the right one for you. Even many well known insurance companies in America are not able to provide the right service for their customers. For that reason, knowing more about the top benefits offered by the insurance company can help you to find the right deal that suits your needs and budget.
Below listed are some of the top benefits offered by American auto insurance agency:
- Maintaining your vehicle's coverage is asked by the law. Therefore, if you will no t have an insurance for your vehicle, it simply means that you are driving illegally.
- When you have an insurance for your vehicle, you will have the coverage for the damages happened to your automobile when you meet with an accident. This will be from the other persons automobile as well as property damage.
- When you have a genuine coverage with you, you will be having the access to car rental services when your vehicle is replaced or repaired.
- American family auto insurance will also help you to customize your policy according to your family's needs.
- You have an option to cancel the policy and shift to another one whenever you require.
Considering these benefits will help you to opt for the right insurance all American auto insurance that suits your needs and budget. Moreover, you will also obtain an insurance package as soon as possible. However, before making the final decision, it is very important to do your homework. You should have knowledge on the various types of insurance policies that suit your needs.
Researching on the internet will help you to access American auto insurance websites, which will provide you the quotes of different companies. However, when you are searching online, make sure you are not selecting a policy as soon as you see one. Even though, it looks better, try to do a thorough research and find at least four to five packages that suit your needs. Once you are done with this, compare the packages you have selected and go for the best one. If you are doing proper research online, you will be able to find the perfect American home auto insurance policies for you.

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Lowest Auto Insurance Rates - How Do You Find Them?

When looking for the lowest auto insurance rates there are a few questions that comes to mind. Where do I find the lowest rates, which companies have the best service, should I do an insurance rate comparison online or should I call my local insurance company?
Phone or Online Insurance Quotes?
There is something about calling your insurance company the old fashion way isn't there. When you have a sales person on the other end you can get answers to your questions that you would not be able to get online, right? Well, this is actually not true. Many find that getting their insurance online makes it a lot easier to figure out what it covers. It is simply the worst when you get in an accident and find out your auto insurance does not cover that particular type of accident.
There is absolutely nothing wrong with calling up insurance companies. You should just expect to spend a whole lot of time if you want to find the lowest auto insurance rates. This will require you to call all the local insurance companies in your area.
On the other hand you can do this in 15 minutes online. The beauty of getting auto insurance rate quotes online is how fast it is. Online you can send your insurance information to multiple companies using a compare auto insurance rate website. A good website will have all the insurance companies that are available in your area. This means you do not have to spend hours calling different companies and give them your information. Online you can do it fast and easy.
On top of that you do not have to worry about a pushy salesman how wants to put pressure on you to pick his insurance.
What Is The Best Insurance For You?
The best insurance does not mean the same for every one. Some just want the cheapest auto insurance rates, while others want the low auto insurance rates that covers their needs perfectly. This is again where online insurance quotes excels compared with the old fashion way. When getting your quotes online, you can select just the right insurance for you. You can give our extra information that will lower your premium.
Setting Your Deductible Just Right
This is very important, because if you don't you will be paying extra money for something you might not even need. Setting your deductible to low means your premium goes up. Having a low deductible is great if you get in an accident. Well, not every time. If you have a low deductible, it means you would report even a minor car accident to your insurance company. This would in return make your premium go up, meaning it would have cost you less to pay for the accident yourself. If you have a high deductible your insurance premium will go down. In case of a major accident this would mean you would have to pay more before you insurance company would pay up. But with most smaller accidents it is smarter to pay yourself anyway, meaning a low deductible would have done you no good.

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Insuring Cars to Maintain Mental, Financial Stability

It is not difficult to imagine why a person develops an emotional attachment with his or her vehicle, whether cars, RVs, or boats. Humanity has proven time and again that it has this tendency of establishing a bond with whatever it uses to travel. This was true in the times of bullock carts and horses when animals were loved and caressed by their masters, and it is true in the current day and age even though vehicles are inanimate things. The result of such emotional bonds and affection toward vehicles is that most of the people wish keeping them safe from all kinds of negative incidents. This is where motor insurance comes into play. The following are some of the benefits of having motor insurance for one's vehicles.
It is not uncommon for a person to find himself in some unfortunate incident, especially accident, as accidents usually cannot be foreseen or predicted. A severe accident will mean significant damage to one's vehicle. In this way, the vehicle gets damaged and even the financial stability of the victim takes a knocking due to the extravagant costs involved in repairing these damages. Motor insurance policy for cars provides for covering such damages and their subsequent costs. The benefits also apply to RVs and boats even though the insurance policies for these vehicles differ in many ways.
Cars, or for that matter any other vehicle, are also vulnerable to theft or vandalism. These are real threats that can happen to any vehicle any time. Furthermore, even if the vehicle is usually in safe areas, it is still susceptible to these dangers. Many insurance policy providers take this into account and provide the car owner with protection against theft and acts of vandalism.
Apart from the direct benefits of motor insurance policies for cars, there are also subtle advantages. Insurance policies are considered sound investment tools by experts and professionals across the world. Therefore, insurance policies support a person's long-term financial stability by safeguarding him or her from the costs of repairs and also act as instruments of savings.
Another indirect advantage is that motor insurance policies allow the car owners to live their lives in a relaxed manner. Looking at the emotional connection that many people have with their vehicles, one can safely assume that even minor dents and scratches can lead to elevated blood pressure levels. Increased stress levels are not good for a person's health in the long term. Getting one's cars insured will provide peace of mind that most people crave for in these days of their hectic and fast-paced lives.
Motor insurance policies provide many advantages for any vehicle owner and do not have any flaws linked to them. Consequently, it is easy to see why motor insurance policies are so important for car owners across the country. This is irrespective of what financial or demographic bracket the vehicle owner hails from, as there are motor insurance policies to cater to all types of vehicle contingencies.

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Car Insurance Quotes and Options

Every area of the United States has their own requirements for coverage and insurance necessities for automobile owners, ranging from basics of collision and damage to comprehensive plans that will cover nearly any incident. Car insurance has become a multi-billion dollar industry in the United States alone given the extremely high number of motorists and vehicles requiring coverage. The means of these companies assessing risk and financial decisions is much more streamlined than that of homeowner's insurance or coverage for valuables. Car insurance quotes are used by every insurance company to quickly and accurately describe their rates to potential customers, taking multiple accounts and factors into the comprehensive price.
A basic car insurance quote demands a large amount of information. Before you input the make and model of your car, a customer would need to document their credit history, driving record, gender, physical location, and criminal background. Car insurance quotes are based upon the statistical averages of every level of customers, so that the companies know the levels they must set in order to remain profitable -- after all, they are businesses -- and keep their rates lowest. Each piece of information collected is weighed against the average driving record of similar customers in order to determine the ideal rate.
A first time motorist, for example, would have a much higher rate than a seasoned driver. This is in part because of the fact that younger drivers are much more likely to incur damage to themselves or their cars (due to a number of factors but most typically because they drive at the fastest rate), but also that these younger drivers have no record or history to speak of. Their lack of a previous paper trail, in terms of their driving stability and financial capabilities, results in a higher quote and premium from an insurance company that deems them to be a high risk customer more likely to submit a claim. Car insurance quotes will not only cover your personal driving capacity, but also those residing in your household who are capable of driving. It is not uncommon, for example, for the rates of monthly premiums for a family to double or even triple when a teenage son or daughter gets their driver's license.
The contrast to the "worst case driver", of course, are customers who have a successful job and credit history. The smallest quote premiums are given to those with good financial standing, in addition to few or no previous driving records, and those that do not live in an area of a city with frequent accidents or auto theft. Actual location does not weigh as heavily upon the quote as driving experience, but will still result in a higher monthly or yearly premium. Of course, a major factor in the quote is how much coverage you need for your car (or cars); the actual amount of coverage may not be the same between two different companies.
A larger insurance company, such as industry juggernauts AllState or Nationwide, provide more for their customers but have a higher price tag to go along with it. By comparison, residents of a state with only basic requirements for coverage can choose a company that promotes no frills coverage, only providing for claims of collision or bodily harm. These companies, understandably, are more attractive to customers with financial strains -- or confidence in their driving abilities. Some coverage does not transfer on a state to state basis, so those who will use their car for frequent traveling should ensure their quote can provide coverage in parts of the country they will be driving through.
With the advantage of Internet access and twenty four hour telephone service, there have been a number of online insurance companies that have managed to significantly cut down on their expenses (and in turn, their rates) by offering complete coverage packages in online formats. A company like Esurance allows customers to literally print their policy information from a home printer after purchasing a plan. As proof of coverage is the only thing that must be presented at the scene of an accident in order to avoid legal issues, these "pay and print" companies have become successful at offering an extremely easy solution to a complex problem.
The car insurance quotes that any customer will receive include their monthly fees, but may not include additional charges made in case of accidents. Many insurance companies demand a deductible be paid by the customer in any claim prior to any money sent to the customer or a second party. This deductible often is connected to the value of the quote and monthly statement; the higher the paid premium, the lower the deductible, and vise versa. Often times customers have the choice of setting their deductible, though some companies (most notably those offering minimal coverage rates) have it at a set price. As an example, a deductible of one thousand dollars to be paid by the customer may seem steep, but can pay for itself via lesser rates in as little as two or three years of accident free driving.
Different companies will provide different rates, sometimes as much as several hundred dollars in difference. It is imperative for any customer to shop around for the best rates and quotes, as they may be losing out on considerable amounts of money by looking at only one or two companies. Indeed, a number of websites have sprung up to directly compare quotes between half a dozen major providers -- who, naturally, have paid to be featured on the site -- so that a customer need only put in their information once to get feedback on their policy capabilities.
Car insurance quotes are not difficult to find, online or in person at a nearby agency. They encompass many aspects of risk and probability for both customer and company, so that one person may have different results from different companies. Ensure that your coverage options provide all the requirements of your state, and determine whether or not you will require fully comprehensive coverage or whether a smaller sized plan would be more beneficial.

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