Mar 012012
 

Among the significant decisions you can expect to make in your life is buying a car so you want to make sure you choose carefully. It is important that you do your research so you won’t be influenced by the car seller. There will be numerous options for you depending on if you are buying a new or used car and whether you have another vehicle to trade in. Your final decision could also be based on the type of auto or type of car you’d like. You’ll be able to make your ultimate choice based on comparing the price and cost for the numerous models you are interested in. There are several aspects that you want to think about when making your decision.

You want to set a budget on how much you want to spend on a car and find all that fit within that range. Obtaining price ranges for a variety of cars should not be that difficult to do so after that is done, you can go to the next step. You will have a way to hammer out a price for a car if you have a trade in. The sole method to find this out would be to contact or stop by car dealers and see how flexible they are prepared to be both on price and trade in values. It is also advisable to find out what extras are being included in the deal so that you can see what kind of value you are getting.

You also want to evaluate the overall cost of running your car as well. The price of auto insurance is based on the type of car that you are going to eventually purchase. It’s advisable that you get in touch with the various insurance companies to get quotes and to find out which cars have the most affordable rates. There are many variables involved and the fact that maintenance costs will be one of those is worth noting. The reason behind this is that there are sometimes repairs and maintenance costs that are not covered by insurance. Consider things like transmission flush cost and others. You will find the price of maintenance and parts for various cars on your own by going online.

When you are performing your analysis, find out the amount of gas a car uses and include that as part of your decision. Gasoline prices have soared in the last few years so it is best to think about a car’s fuel economy. The last bit of data that can help is to check out how well particular models hold their value as depreciation is a real cost to you in the long run.

There is a lot more to shopping for a vehicle than just how it looks and what color to get. If you make the effort to find the information, you will make the right choice.

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Apr 072011
 

Most drivers only think of their personal circumstances when it comes to their car insurance rates. Factors that increase someone’s rates are previous accidents, a poor driving record, or other personal factors that might indicate that a driver is not safe. There are also several aspects that impact the insurance premiums that someone receives. A lot of people are very surprised to find out that their driving record isn’t the biggest impact on their insurance premiums.

A recent survey ranked states by their insurance rates. The average came in at $1500.00 with the scope running from $1000.00 to $2500.00. It was found that there are many important factors that go into the calculation of an annual premium. Major contributing factors include the population of uninsured drivers, the state’s laws and legislation, and local threats of weather are all important.

Some state laws are simply friendlier to corporations than they are in others. Other states tend to lean more towards the individual rather than the corporation. Those that favor the individual generally have higher insurance premiums. These representatives are paying out more on claims than they necessarily would have in a more corporation-friendly state. This really comes into play with middle of the road cases where there does not always appear to be a clear-cut answer. The judicial system siding with individuals in these cases a majority of the time is automatically skewing the premium rates up.

Uninsured drivers play a large part in the overall rates of insurance premiums. Most drivers that do not have insurance cannot afford it. Getting into an accident with an uninsured driver leaves the insured driver with little recourse in reclaiming the money they will be losing. Thus, the insured driver is left paying their repairs and medical expenses beyond what personal coverage they might have had. An insurance company will raise that individual’s premiums to help offset the cost of any payments rendered. This circle is made all the worse because collecting on a law suit against an uninsured driver is not likely in most cases.

Several state-wide factors can affect the local premium rates offered by insurance companies. One will find that denser population areas will have higher rates due to the higher amount of traffic incidents. Lighter population states are normally lower in average due to the lack of dense congestion. Weather plays a big role in areas where it can get bad enough to cause extensive damage to vehicles and homes. Areas prone to flooding, hurricanes, or tornados will see greater rates than more placid areas of the country. Damages to homes and buildings can result in higher premiums across the board from insurance providers.

A personal driving record is fairly important for figuring out the final premium cost of a driver. There’s quite a few other factors being evaluated when trying to compute the finalized rates. A smart choice for a driver unhappy with his rates is to look at several factors, instead of just the driving history.

In order to find the lowest rates online, comparison shopping for insurance quotes is the best way to go. No more time to waste, start comparing rates today!

Feb 272011
 

Obeying the literal interpretation of everyday laws is important and necessary to operate a vehicle safely and responsibly. Thousands are killed each year due to traffic wreck related accidents, and some can be prevented by simply being educated and acting responsibly.

Side impact collisions account for approximately 30% of all fatalities. When a driver fails to stop completely at stop signs, it reduces his or her ability to effectively scan for other traffic before proceeding. Also, thoroughly stopping and scanning prior to resumption of travel can negate another driver’s negligence or inattention.

Yield signs directly relate to the “right of way” laws, which are generally misunderstood by the average driver. Basically, the right of way is granted to no one. The law only states who must yield the right of way and in what instances it must be yielded. As such, a yield sign is a direction to the driver that he or she must yield the right of way to other drivers.

Applying simple driver courtesy can provide a much more relaxed commute and also serves to ease the flow of traffic by reducing the number of conflicts and collisions. Keep a good attitude while operating a motor vehicle.

It is essential when driving to have this good attitude. DTA’s incorporate the psychological Attitude States of Parent, Adult, and Child into the driving task becomes an important tool in ensuring that we remain in a “state” wherein we can make logical, rational, low-risk decisions under stress about issues which may confront us while driving.

If you become angry about another driver’s actions and develop a subsequent desire to “get back” at the other driver for his/her “bad” driving, you are endangering not only the other driver, but yourself as well.

The increasingly common phenomenon known as road rage directly relates to angry confrontations that result from anger over the driving of others. Road rage and the actions surrounding it kill human beings each year.

By using your adult psychological attitude, it can lead to a reduction in stress and anger and decrease the likeliness of a collision caused by taking unnecessary risks while pursuing the unattainable goal of “punishing” the other driver.

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Feb 262011
 

Visibility during the night is limited to an area immediately in front of the motor vehicle. This factor limits one’s ability to utilize visual data available during daylight, such as peripheral vision and depth perception. Need information regarding Kentucky Car Insurance

Glare recovery from headlights, poorer visual acuity with aged drivers, and the likelihood that you will encounter a greater number of impaired drivers when compared to daytime driving are all factors which dictate that special attention be paid to the driving task during the evening hours. Get Cheap Quotes for New Jersey Car Insurance.

Overdriving your headlights is one of the most common night driving mistakes and dangers. To understand the danger of this phenomenon, let’s discuss the issue of reaction time and its effect on a driver’s ability to deal with emergency situations.

Simply put, reaction distance is the distance your vehicle will travel from the moment you IDENTIFY a problem to the moment in which you begin to implement an avoidance maneuver.

Generally speaking, this is the amount of time your brain requires to process the information or to IDENTIFY the problem, PREDICT the consequence of the problem for your driving, DECIDE on an appropriate avoidance maneuver, and finally to begin to EXECUTE the maneuver.

During this “reaction time,” your vehicle will travel a distance (which increases with speed) in which you are practically unable to alter its direction or speed. For this reason, excessive speed is especially hazardous in the evening hours, when illumination of potential hazards is significantly decreased.

An example can be a vehicle traveling 60 MPH is also traveling at approximately 88 feet per second. At 60 MPH we calculate a reaction distance of 132 feet (1 second average human reaction time per Texas Driver’s Handbook standard).

Therefore, if you spot a potential hazard in your low beam headlight illumination area – as you may already know, low beam headlights must project light to a minimum distance of 100 feet – you will not have sufficient time to stop or initiate an avoidance maneuver since at 60 MPH with a Texas standard of 1 seconds of reaction distance, you will have a reaction distance of 132 feet which is 32 feet farther than the low beam illumination area.

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