Not cheap car rental but exotic car rental
Cheap car insurance and those black boxes
Over a lifetime, there’s probably a balance in the good and bad surrounding the children we produce. But there are certainly times when we bitterly regret taking the plunge, as it were. There are those times at school or when early experiments with cigarettes and alcohol go horribly wrong. There’s all that attitude we get. But the worst comes when we’re supposed to calmly shell out on driving lessons and then, to add insult to injury, to buy a cheap car for them to drive and to pay for the insurance. The fact finding cheap car insurance for teens is like winning the lottery seems not to occur to them as they assert the divine right to disappear from sight for hours on end, driving who knows where, while all we can do is sit in prayer the next call will not come from the police or hospitals telling us when we can come in to collect the broken bits of body.
Then, suddenly, we might be tempted by the arrival of telematics – not those fuzzy TV characters with rhubarb growing out of their heads, you understand. The Co-op, we can’t go wrong with them, can we? have been running ads for their Young Driver Scheme. Instead of the usual “the sky’s the limit” approach to insuring the young, they will fit black boxes that will watch our kids like a hawk. If their spy finds our children have suddenly converted into angels on four wheels, we will be rewarded with lower premiums. That sounds like such a good deal until we remember our children are more likely to be recorded hotdogging around the local park at 2 in the morning – a stunt that will ensure we never see a premium under four figures for the next however many years until they leave the nest and start paying their own way in life. So although there’s that terrible lure of cheap car insurance for us to pay, we parents have to remember Big Brother watches and sees both good and bad. And the bad can be very expensive for us, if not for our young drivers of the year.
Common Scams Committed by Car Rental Companies
There are a lot of annoying things to deal with when it comes to renting a car. You are pressured into purchasing upgrades and insurance, and sometimes the car you reserved is “no longer available.” Many people feel like they would be better off taking a cab. Before you rent your next car, look out for these common car rental company scams:
Cheap Upfront Prices
Many companies allow you to reserve a car that is 40 dollars (or more) cheaper than competing companies. This is typically because on the day you show up, that car will no longer be available. To get a car, you will need to pay for an expensive upgrade or leave without a vehicle. Assuming you get a car, you will also have taxes and other fees added on in addition to the initial cost of the car. These fees typically raise the price 25% on average.
Extra Insurance
Most people renting a car will be covered by their current insurance policy. However, many people are still pressured by car rental companies to purchase extra insurance. This is the main way car rental companies raise the price of their rentals. Some companies will ask you to pay a deposit, or refuse to rent to you if you do not purchase the insurance. However, in most states, this is illegal – extra insurance is entirely optional.
Damage Charges
Some companies rent out vehicles that are not in the greatest condition. When you bring it back, they will charge you for damage they claim you caused, when in reality it was already there. After you’ve accepted the car and signed that it was in good condition, it is hard to fight these charges. It is important to make note of any damage prior to taking the vehicle off the lot.
Toll Fees
Some states no longer use tollbooths, and instead automatically mail you (or the rental company) a bill after you drive through a sensor. Car rental companies may take advantage of this and charge you well above what the actual toll was.
Gas Fill-Up
If you fail to return your rental car with a full tank of gas, you may be charged for the fill-up, plus an extra surcharge. Another scam is the “fuel package” which allows you to purchase gas from the rental company; at a much higher price then you could down the street.
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When buying car insurance why buy liability cover?
In the majority of the states, the law of tort says you’re financially responsible if you cause someone else to be injured because of your bad driving. This can be people in your own vehicle, any other vehicle you hit, or the people on the sidewalk or who own property next to the road. Although physical damage to property can be limited, the value of claims against you for personal injuries can be surprisingly large. Let’s take the worst case of you hitting a top banker driving an expensive vehicle. The most you can be asked to pay is the replacement cost of the vehicle, but now think about the level of medical expenses and how much your victim may lose in pay while unable to work. Then come the damages for the pain and suffering. How many zeros do you see on the value of the claim? Now, of course, there would be little risk to you if you live in rented accommodation, have no assets and a job with a minimum rate of pay. Other than the amount of cover from your insurance policy, there’s little risk to your life. But if you do own your own home, have savings and a reasonably good job, you are now a target. If you lose the case, the court can order your home sold, your savings confiscated and garnish your pay leaving you a bare minimum to live on. It’s at times like this you wish you’d had a reasonable amount of liability insurance. Remember, you are liable to pay even if you have insurance. Whatever is left owing after the maximum is paid by your insurer comes out of your pockets.
This explains why basic liability insurance is mandatory in all but three states. All drivers should be able to offer a minimum amount of money to make good the losses. For example, in Wisconsin the liability minimums as from 11/1/2011 are 25/50/10, i.e. $25,000 as the maximum contribution to medical expenses if only one person is injured, $50,000 as the maximum is several people are injured, and $10,000 to repair damaged property. If your reaction to these figures is surprise at how low they are, you might want to consider buying more than the minimum amounts if you have assets to protect. Some states also make it mandatory to carry uninsured motorist cover while the states running a no-fault system also make it mandatory to carry personal injury protection to pay for your own medical treatment or, in the worst cases, your funeral expenses.
When it comes to estimating whether to buy cover on top of the minimums, it all comes down to a guessing game. Obviously, no one wants to be involved in an accident but, should the worst happen, you want enough insurance so you sleep well at nights. It’s worth paying a little more in premium installments to avoid the stress of court cases against you personally. Car insurance is all about sharing the risks with the other drivers on the road. Only a small percentage are ever involved in accidents so, when the losses are divided among all, the car insurance rates are relatively low.
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Car Insurance Quotes And The Gender Difference
Car insurance quotes are determined by a number of factors and this includes your age, your gender and even the place where you live. Statistics show however that most car insurance quotes are heavily influenced by age and gender. Some may call it gender and age bias but this isn’t discrimination at all because auto insurance actuaries base their formula on facts and studies. It is needless to say that insurers will charge higher rates to riskier clients and in the terms of gender, it is the male of the species who are at the losing end especially those who fall under the 16 to 25 age group.
Women in the same age group however enjoy better rates than their male counterparts and this is due to the fact that they usually drive less and are less likely to push their limits while on the road. Most men are easily tempted to drive faster and more often than not, they also have a tendency to drive even if they are sleepy. You shouldn’t worry though because as you get older, your premium will improve but one has to note that there are still insurers that will not provide you with the premium cut that you need since they are using a different formula to determine insurance quotes.
Although insurance quotes are usually personalized i.e. the quotes are computed based on gender and age make it easier for companies to determine how much an individual will be paying. Statistics play a very important role and even if you do not fall under the stereotypes of say women being more cautious on the road or men being more aggressive on the road, it is needless to say that you would have to deal with such stereotypes and just make the most of it. The gender difference is not imaginary though because based on studies, males truly are more aggressive when driving especially those who fall under the 16 to 25 age range.
When looking for car insurance quotes, it is important to compare one quote from one reputable provider to the next.
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Before calling to car rental companies decide where to go among these top U.S. road trip destinations
Washington, DC and Virginia
New Orleans, LA
Colorado
Boston, Massachusetts
Disney World, Florida
Grand Canyon, Arizona
Senior drivers can get better insurance rates
The Insurance Institute of Highway Safety i s one of the most authoritative organizations that researches and comments on insurance matters. A part of its remit is to monitor the general levels of claims and to make informed predictions based on the trends. As the number of boomers reaching retirement age has been increasing steadily, the IIHS suggested there was likely to be a steady increase in the number of claims made by drivers over the age of 75. At the time, this seems a reasonable assumption. As we age, everyone finds their reflexes slow down and their eyesight is no longer as sharp. Yet the IIHS has now admitted it made the wrong call. In fact the number of accident claims involving the elderly has fallen. In the most recent data covering 2009 through 2010, this trend has continued.
From the other part the safety net for our seniors ensures they still have access to good quality treatment. This is helping them stay in better shape. Another important fact i sthat our seniors are more socially responsible. They know they may be starting to lose their edge so they begin to drive more slowly, and avoid driving at night when they may have greater difficulty is seeing. As the mental faculties also come under pressure, they keep to the routes they know well and generally take greater care. The most responsible go through driving courses designed to help seniors navigate our roads with the least risk. Some modify their vehicles to make them safer.
The real cheap car insurance solutions comes through membership of Carfit, the project runningh jointly by a number of organization representing the interests of the aging. The idea is to offer advice and practical assistance to upgrade skills and make vehicles safer to drive. This reflects the reality that the elderly cannot easily adapt to modern life unless they continue to drive. With insurance companies offering the cheapest car insurance rates as an incentive and occupational therapists to advise, there’s no reason why seniors cannot continue driving without having an accident.
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Anti-theft measures attract discounts on auto insurance quotes
In some parts of the country, the risk of your vehicle being stolen is high. As a result, all auto insurance companies reward you with discounts for comprehensive cover when you take preventive measures. What then should you do to reduce the risk your vehicle disappears? For a proper answer to this answer, you need to ask your current insurer or those who give you auto insurance quotes for details of their discounts. In principle savings are available for measures taken under two different headings:
- The use of warning devices
What you might call the first level of protection comes from telling the potential thief and the neighborhood that your vehicle is not going to be easy to steal. We start with noise. If an alarm goes off when some tries to open the door or start the engine without the proper key, the amateur thief is deterred. Even the professional may be put off if it is not going to be easy to disable the alarm. No one wants to drive a vehicle through the streets with the alarm sounding. Then there are the passive deterrents. If you have fitted locks to the steering wheel or brake pedal, or etched the VIN on to the windows, this will deter the casual thief or the professional who was looking for an vehicle easy to sell on. - The use of tracking and immobilizing devices
These prevent thieves from getting through your ignition system or has a separate switch for allowing the gas to flow. Even if someone does get the vehicle into motion, a GPS tracker will allow the police to recover the vehicle – assuming the thieves do not find and disable the transmitter.
Send details of all preventive measures to your auto insurance company and prove you are eligible for discounts. Then it’s just a case of common sense. Always remember to take the keys out of the ignition and lock the door when you leave your vehicle. Whenever possible, always park where there’s a reasonable level of foot traffic and the area is well-lit. Visibility is a deterrent to potential thieves.