Texting While Driving Ban To Lower Auto Insurance Rates Has Strong Citizen Support

Texting while driving is unquestionably of the most dangerous habits that drivers have today. Texting, as opposed to flipping through radio stations or even talking on a cell phone, requires much more of a driver’s attention. That’s because texting requires one to look at the phone/key pad while writing the message, thus causing drivers to take their eyes, and minds, off what’s happening on the road for extended periods of time. This hazardous practice has been compared to drunk driving in many cases. For this reason, there has been strong citizen support of a ban on texting while driving. According to a survey done by the New York Times, 50 percent of survey participants said that the punishment for texting while driving should be just as severe as the punishments for driving while intoxicated.

Reality Show Spotlighting The Nation’s Most High-risk Drivers

America’s Worst Driver’ is coming to the Travel channel in 2010. Joining the latest craze of reality television, the show seeks to depict America’s worst drivers and people who cause auto insurance companies to cringe. Drivers selected for the show will become contestants to compete and determine who is the worst driver in the city. The first city on the list is Miami. In order to entice participants to be on the show, they will be eligible for prizes including free vacations and free gasoline. Participating cities for the show include Miami, Los Angeles, New York, Seattle, Dallas, San Francisco, Chicago and Boston.

Driver’s Ed Gaining Popularity In Schools, Minimizing Future Insurance Claims

Driver’s education is now currently popular in high schools across the country. There are a number of reasons why teen drivers are benefiting from taking drivers education classes in school. Less than ten percent of the last generation of American school children took drivers ed as an optional course. Here are some reasons why drivers ed is gaining increased popularity in schools.

Avoiding Auto Insurance Hikes By Curbing Aggressive Driving Behavior

Aggressive driving is a serious problem for many drivers. Less time is afforded to other cars on the road when aggressive drivers decide to act impulsively, switching lanes and cutting off other vehicles. This irrational behavior generally provides a dangerous atmosphere for every car on the road. Worst yet, many aggressive drivers don’t even realize when they’re being inconsiderate or dangerous. You might have aggressive driving behaviors that come out at various times when you’re behind the wheel. You could be stressed out or you could have had a bad day. These situations can lead to an increase in your auto insurance rate if they result in a ticket or claim against your policy. So, the best course of action is to curb your driving behavior before your premiums jump.

Your Insurance Score: What It Is And How It’s Used By Auto Insurance Companies

Do you ever wonder how an auto insurance company comes up with a quote for you after you’ve supplied them with all of your information? Enter the auto insurance score. This figure determines the premium you will pay to an auto insurance company. However, this number is rather elusive to the average consumer. According to Consumer Reports, the average auto insurance company seldom discloses auto insurance scores or their function in deciding premiums. The scoring models utilize data that seem to have no influence on the driver’s potential to file claims. Because each company uses different models and considers factors such as credit report information in different ways, there isn’t an industry standard for calculating scores.

Winter And Auto Insurance Claims

Winter can be a depressing season for many motorists, as the colder months tend to be those when most auto insurance claims are filed. Auto insurance companies are often quick to point this fact out, as their interest is, of course, to decrease the amount of claims they handle in any way possible. They do this by sometimes sending out information on winter driving or even use press releases to try to urge drivers to behave more carefully in colder conditions. Nevertheless, it’s still a treacherous season to be on the road, according to accident statistics on American highways.

Why Are All State Auto Insurance Requirements Different

When it comes to auto insurance requirements, each state in the United States sets its own standards that its citizens need to adhere to in order to operate a vehicle. Because there are no federal standards for auto insurance, there are no states that have the same requirements. For instance, each state mandates the minimum amount of coverage an auto insurance policy must provide in terms of bodily injury liability per person, total bodily injury liability and property damage liability on an accident-by-accident basis. Similarly, the penalties for not having adequate auto insurance also vary by state. The primary reason why states vary in their auto insurance requirements is because each state is loosely classified as being either a tort state, no-fault state, or add-on state.

What Students Can Do To Minimize Their Car Insurance Costs For Parents

When under the age of 25 it can be expensive to insure student drivers. Fortunately, there are many auto insurance discounts available to minimize this cost for teen drivers, and their parents. Parents can call for an auto insurance quote and ask for discounts applicable to teen drivers.

The Difference Between An Amendment And An Endorsement On An Auto Insurance Policy

In the market to buy a new auto insurance policy? Shopping for a competitive discount rate is the easy part. While learning how auto insurance policies differ from company to company could take a little more time, it also could dramatically affect the rate that you will ultimately pay. However, you could also choose to stay with your current policy. A friendly auto insurance customer service representative will give you an auto insurance quote and update you on auto insurance policy information. Using a clear understanding of your driving record, these folks can help you determine your best options and what advantages or limitations that can offer you. Once you’ve decided upon your policy, it’s imperative you understand the difference between an amendment and an endorsement so that you don’t suddenly find yourself paying an increased auto insurance rate.

Motor Vehicle Report: What Is It And How Does It Affect Your Auto Insurance Rate

When looking for auto insurance quotes, it’s helpful to know the methods that insurance companies use to determine the rates they offer you for coverage. Most drivers know that car insurance companies look at demographics and statistics to determine the likelihood of a claim being made on a policy. They’re also aware that the amount of coverage that a driver buys directly affects the cost of his or her policy. However, many drivers are unaware of motor vehicle reports (MRVs). These reports detail the entire history of a certain driver’s record, including any citations that have been issued, accidents and other incidents. Every car insurance company uses these reports when determining auto insurance rates. They’re also commonly used by companies that hire commercial drivers, or companies that issue company cars’ to certain employees.