Your New Auto Insurance

Auto insurance companies, rarely if ever, are concerned about reasons and justifications. They simply focus on the facts and draw their own conclusions. If you overshot the red light and hit another vehicle, your insurance company will focus on the amount it had to pay on your policy. It will not take into consideration that your tires did not grip the road and you skidded through the red light. The company would merely insist that the job of maintaining the tires and preparing it for the cold season too was your own responsibility.

If you want to avoid being stuck in silly mishaps which may lead to huge increase in your insurance premium, you should take steps to prepare your car for the winter season.

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Continued from part one; ‘car insurance – Hybrid cars’

In the first part of this article we examined the hybrid car, looking at what the system is composed of, the way the separate components work and how it achieves its excellent fuel economy. We will now look at other ways in which the hybrid car improves its efficiency and the running costs incurred with this type of car.

One area where a noticeable difference can be made is aero-dynamics. A lot of the engines work is put into pushing the car through the air and the resistance it encounters (known as aerodynamic drag). One way this can be reduced is by reducing the frontal area of the car, the smaller this surface the less the drag effect, thus saving on fuel.

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Teenagers might feel stressed out when they saw how high car insurance rates for teenagers could be. They are afraid that their parents are not willing to pay for such big expenses and there is no way they can drive without having a car insurance policy. Most teenagers are still studying, so it is almost impossible for them to fork out money to pay for their car premiums. However, there is always light at the end of the tunnel for these teenagers. One thing that they can do is to help their parents to get cheaper rates and their parents would be more willing to pay for it.

It is a known fact teenagers are often inexperienced in driving and they have a certain degree of recklessness in their driving.

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A recent investigation into the availability for cheap car insurance for the elderly has revealed shocking, and also frankly disgusting, results. Age Concern and Help The Aged commissioned the research and found that the majority of drivers over the age of 80 could not get an insurance policy to cover them at all, with the majority over 65 having serious problems getting policies with low enough premiums to fit into their budget.

This is an absolute disgrace, especially when you realise that some of the cheap car insurance refusals for the elderly come from some of the largest insurance providers in the UK.

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Car insurance takes a significant portion out of a lot of people’s incomes, but for younger drivers it can be beyond reach on a low income. Under normal circumstances a new driving licence is a clean one, with penalty points for motoring offences not making an appearance until after at least a little time on the road. These two facts make motorcycle ownership a much more attractive proposition for impecunious young people.

There is however a noteworthy exception to this. It is only relatively recently that mini motorbikes have made an appearance, and their use has been taken up avidly by juveniles, but already legislation has had to be amended to deal with their illegal use.

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The majority of insurance quotes are based on the assumption that you will be driving more than 6000 miles a year. However, if you do not use your car that regularly, then chances are you won’t be racking up this much mileage a year.

If this is the case then you may find Norwich Union’s ‘Pay As You Drive’ insurance more suitable, which boasts a saving of up to 30% over conventional car insurance. With this system the driver pays an up-front fee, usually a fraction of the standard policy, and then is charged monthly based upon individual driving habits.

A Global Positioning System (GPS) is fitted to the car which enables the insurer to monitor how far the car has been driven, the type of road used and the time of each journey.

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