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Auto Insurance for Teen Drivers Because they present more of a risk, auto insurance rates are generally higher for teenage drivers. However, there are some ways you can both protect yourself financially and lower the cost of insuring your teen by doing the following:   Understand the Risk It is important to talk to your teen about the relationship between auto accidents and insurance costs. Teens often forget that the cost of owning a car includes auto insurance. Explain that a driving infraction or being in an accident can drive up their insurance costs.   Shop Around Insurance companies differ in how they price policies for young drivers, so spend some time researching prices to find the best fit for you and your teen.   Insure Your Teen on Your Own Policy It is generally less expensive for parents to add teenager to their insurance policy than for teens to purchase their own. By insuring your teenager’s car with your insurance company, you ...

Senior Drivers Most insurance companies offer discounts to drivers over 55, and for good reason: Seniors are generally courteous drivers who obey speed limits and follow the rules of the road. They tend to be cautious, for example, taking safer back roads to avoid congestion on major thoroughfares, and steering clear of rush-hour traffic. An older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered. Many states offer approved accident prevention courses for senior drivers to help them earn an insurance discount. Such classes can help refresh driving skills and alert people to the physical changes that may affect reflexes, hearing and cognitive ability. Groups such as the AAA offer a “driving health checkup” to provide seniors with a skills tune up. And the AAA’s  CarFit  program provides a 12-point check to make sure a vehicle’s interior features are p...

Road Rage Increasingly crowded highways and traffic backups cause many drivers to lose control and become extremely aggressive. Aggressive driving is a real problem that can lead to serious accidents on the road.   Road rage can also cause problems for your claim process if you should happen to be involved in an auto accident. Road rage is a listed as an exemption in many auto insurance policies since any damage stemming from aggressive isn’t truly an accident but rather caused by risky behavior .    If you encounter aggressive drivers, do not challenge them, and stay as far away as possible. You may want to take down the license plate number and report their behavior to police so they won’t hurt themselves or someone else. If you happen to suffer from anger management problems while driving yourself, here are some tips to help you cool off. Try not to run late . When you're in a hurry, your patience is short and you are much more likely to become aggr...

Preventing Carjacking / Theft Thousands of unsuspecting motorists are carjacked every year. To minimize the danger of being carjacked: Think of saving your life first. Only then, think of your car and what's in it. If another car bumps your car, stay inside with the windows shut and the door locked and drive to the nearest police or fire station. Don’t stop at isolated pay phones, cash machines or newspaper machines where you could become a carjacking victim. Stay alert to people lurking near or moving toward your parked car. Always keep the windows of your car shut and doors locked, whether you’re in or out of your car. Park only in well-lighted areas. To prevent your car from being stolen: Keep your registration card in your wallet instead of your glove compartment. Use paint or an indelible marker to put the vehicle identification number (VIN) under the engine hood and trunk lid and on the battery. This number is usually found on the dashboard on the driv...

Winter Driving Safe Driving and Vehicle Maintenance Are Key 4 Ways Your Driving Habits Could Wreck Your Credit Score Winter is a time when safe driving and well-maintained vehicles take on even greater importance.  “Failure to keep in proper lane or running off the road” and “driving too fast for conditions” are the two of the most frequent driver behaviors, according to the National Highway Traffic Safety Administration (NHTSA).  In order to avoid potentially dangerous situations, the I.I.I. offers the following winter driving tips: Give yourself enough time to arrive at your destination. Trips can take longer during winter than other times of the year, especially if you encounter storm conditions or icy roads. Bring a cellphone so that those awaiting your arrival can get in touch with you, or you can notify them, if you are running late. But avoid the temptation of using the phone while driving, as it can be a dangerous distraction—pull over first. Drive...

Driving in Bad Weather Driving in bad weather is a major cause of accidents. When you are driving, particularly on a long trip, make sure to stay tuned to radio reports about weather conditions. If you hear that an ice storm, hurricane, tornado, flood, hail or other severe weather is expected on the route you are taking or at your intended destination, change your travel plans. Whatever reason you have for going where you are going cannot be as important as saving your life. If you are already in an area that is being hit by bad weather, don’t try to drive your way out of it. Seek shelter for both you and your car and wait for the storm to pass. Filing a Car Insurance Claim? Better Scour Your Social Networks First Do You Know? Claims adjusters are checking your Facebook and Twitter, looking for reasons to deny your claim. What you Tweet can and will be used against you in a court of law. That's what insurance attorneys are saying when it comes to social networ...