Friday, June 15, 2007
Driver Education - Auto Insurance Tips
From the beginning, starting with your first contact with whatever is connected to driving and cars, you must have heard of the utmost important aspect:the car insurance. To a certain extent the driver education must deal with this aspect which is vital for the driver and the car in itself.
There are many companies specialized in this field but you should know that there are many of them which make certain advantageous offers such as discounts for the good grades As and Bs, yet, for that you need to qualify;you should get in touch with your insurance company for it. Some discounts are given also for the application for some driver programs, these being quite advantageous too.
In addition, if you can make a choice, replace the new teen driver or family driver on the oldest and least expensive automobile. This can and will save you the rates. Whenever thinking about buying a new or second-hand car, make sure you get in touch with your insurance company to see if the rate will suit you and your finances. It is likely for you, without checking with the insurance company, to think over a car which is too expensive for you or just not suitable. As general piece of information, you should know that sports cars or other high-cost cars are due to have higher rates, thus disabling you to pay in time. It is also important to know what you buy. If you want to buy a car, it is utmost necessary to know what that car can do. These technical aspects can be revealed to you by means of a driver education course or just specialized magazines, provided you already bear the basic information.
Another aspect is the one related to the crash safety rating, because a percentage is given to every car according to this issue. You should always know how safe is the car you are driving, how well it can protect you. As well as the other aspects, you can learn this from the driver education course. In the unfortunate case of an accident, you should be aware of the average cost to repair it, in the case of the one-side insurance. If you want to replace your insurance check the rates of a greater number of companies because they vary from one company to another.
Furthermore, every driver education course introduces the idea of the necessity to keep a camera with you in case an accident may occur;you could register the damage of all cars and the real placement. There are cases when the actual victim is found responsible for the simple fact that there are a lot of ideas and beliefs which alter the truth of an accident. A camera may come in hand if you get involved in a minor accident;you may want to get your car fixed without reporting it to the company. For a teenager, even a minor accident may lead to an increase in the rates, or maybe even more.
Personal Injury Lawyers from Pepperdine University
The other day at the Cross-Creek Starbucks in Malibu, CA we saw an accident and then listen to two girls who must have been from Pepperdine Universitys Trial Lawyers Club. Believe it or not they do have one. Anyway on this day instead of hanging out by the big lawn and watching spoiled little rich kids take big blocks of ice and ride them down onto Pacific Coast Highway PCH for a thrill; they were describing the accident and pointing out points of law of who was at fault and who could be sued for what.
They started with the City of Malibu and the bad markings on the road and then the guy in the Mercedes and the lady, probably some movie star with a Hummer. They explained at length all the different lawsuits, whiplash, property damage, cars, insurance companies and how much they could make of each party and all the insurance companies too.
This just goes to show you there are personal injury lawyers, future personal injury lawyers and spoiled rich kids who have no chance at ever passing the bar who think they know it all. So if you are looking for a Personal Injury Lawyers from Pepperdine University, well may I suggest that you keep on looking, because these gals, did not seem up to speed on the reality of kinetic energy or life on the surface of the Planet.
Cars From An Insurance Company's Perspective
There is nothing wrong with wanting to go for your dream car, except that at some point you will need insurance. It is therefore a good idea to have a balanced approach and also look at your car from an insurance company's perspective before you make your decision.
Insurance companies rely very heavily on all sorts of statistics in arriving on the insurance premium to charge for your car. This includes statistics on favorite models for car theft, collision costs and repairs for various models, fatalaties and so on.
The numbers clearly show that 2-door cars are stolen much more than their 4-door counterparts. 4-door cars have a 93 per cent less chance of having a claim elated to theft than 2-door cars. A Buick LeSabre is the kind of car that car thieves avoid and therefore the chances of theft are almost nil, according to statistics on car theft. On the other end of the scale a convertible Chevrolet Corvette is one of the most popular cars with thieves and has very 5 times the average theft rate.
As far as car thefts go, sometimes cars from the same manufacturer can vary widely. The Toyota Celica has a 67 per cent higher chance of theft than the Toyota Camry.
Then there are the cars that are the most costly in terms of collision claims. The key factor here is usually the high cost of repairing and expensive vehicle. In this regard, the Lexus IS 300 is one of the most expensive vehicles for collision claims.
When it comes to car safety, some of the leading models may surprise many. For instance the Porsche 911 has a 67 per cent less chance for injury claims than the average. On the other extreme, the Mitsubishi Lancer has almost double the injury claim rate over the norm.
