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The UK now has roughly 33 million registered vehicles on its roads, and this figure is ever increasing. Correlating with this is the number of road related deaths, which two years ago was roughly 258,000. With congested roads filled with frantic motorists its imperative that you are clued up on basic road tips both for your sake and that of others.
First and foremost, never, ever drive while under the influence of alcohol or any other intoxicating substance. Even though this is against the law in every established country, with heavy penalty's being imposed on those found guilty - it is still a wide-spread problem. Not only does alcohol give you a false sense of ability, but it slows vital reaction times down considerably.
Tailgating, or following the car in front too closely, is another major contributor to road accidents in the UK. When tailgating you are essentially cutting off the view of any activity ahead of the car in front of you and reducing the amount of time you have to react to any sudden changes the car ahead makes. The space in between you and the car ahead should be considered as a sort of "buffer", as a rule of thumb leave a two second gap, four seconds when wet and 10 when icy.
Following on from the above point, many motorists fail to adjust their driving speed based on the condition of the road. When the road is wet or icy, braking times are increased considerably - your speed should therefore be adjusted accordingly. Minimising the number of distractions you have while driving also helps a tremendous amount, common distractions include, hand-held phones, loud music, eating food etc.
Having a good idea of what is going on around your vehicle at all times is imperative, relying solely on your mirrors is not enough - its important that you check your "blind spots" before slowing down or changing lanes etc.
Needless to say the roads are only as safe as the motorists using them, and you can exercise all the caution in the world but if someone else slips up then you too could end up paying the price.
For this reason it's vital that you have adequate motor insurance. If you feel you are currently paying too much for your insurance then the internet is an excellent place to compare car insurance and get a cheap car insurance quote.
Article Source: http://EzineArticles.com/?expert=Liam_Gerken
Showing posts with label car auto insurance. Show all posts
Showing posts with label car auto insurance. Show all posts
Thursday, August 14, 2008
Post-Graduation Auto Insurance
Graduating from college is an excellent achievement; in a lot of cases graduation is the best moment of a persons young life. Having just completed at least four years of studying, classes, exams, partying, and everything else that makes up a hectic college schedule, this should be the point in your life where everything starts to come together. But what direction should you take your auto insurance in? Have you given it any thought? If not, now is a great time to start because auto insurance can help you and with the right knowledge, you can maximize the potential of your policy for the least amount of money.
The best feature about auto insurance is that it provides protection, which is also the primary reason for existing. Another great feature is the peace of mind that the policyholder feels when out on the road, knowing that even if something goes wrong, at least the financial burden will not rest solely on their shoulders. Car insurance is not an option, it is a requirement. In all 50 states you must have at least bodily injury liability and property damage liability. Bodily injury liability does not protect you in the event of an accident, but rather the body of the other party or parties involved. The same goes for property damage liability. It will cover the property damage cost, such as to a car or mailbox, in the event of an accident that is your fault. The third type of liability insurance, uninsured/underinsured motorist protection, works differently than the first two types. This coverage actually protects you as a pedestrian or your car against other drivers that do not have any insurance coverage at all or little insurance that does not adequately cover any necessary repairs or medical expenses. Uninsured/underinsured is especially helpful if you don't have your own health insurance policy yet.
Getting an insurance policy that only meets the bare minimum requirement is not always the best option. If you make payments on a car, or if you got an extra special graduation gift (a new car), it's not an option at all. Auto finance companies generally require that you have comprehensive auto insurance, also known as full coverage. If you have a new car, it is still recommended to get collision coverage or comprehensive coverage because the liability simply will not provide enough funding to repair or replace a new car that still has a lot of value. Comprehensive coverage will protect your vehicle against damage from bad weather, theft, and vandalism. Collision coverage protects against just what it says, collisions. You will be covered for damage done to your vehicle during accidents that are your fault. The reason you are only covered if it is your fault is because the other party would have to foot your bill should it be their fault, as long as they have insurance. Collision and comprehensive coverages are expensive, but on your policy you can tweak the coverage levels and deductible levels in order to lower your rates while not sacrificing too much coverage.
There is at least one thing all college students learn, probably without even going to a class, and that is how to save money any way you can. With auto insurance, there are plenty of ways to save money, like taking lower coverage amounts and raising deductibles as previously mentioned. Perhaps the best way to save money on auto insurance is by shopping around for the right company. Your current situation may be a perfect fit for a specific company and allow you to receive significant savings. Now you have your college degree, the perfect auto insurance strategy, and the rest of your successful life ahead of you!
Tod F. is owner of http://www.theinsurancefiles.com/ The Insurance Files is a great resource for information on all types of auto insurance, health insurance, life insurance, homeowners insurance and more. You will find a wealth of information to answer all of your insurance questions. Get a free auto insurance quote today from The Insurance Files!
Article Source: http://EzineArticles.com/?expert=Tod_F.
The best feature about auto insurance is that it provides protection, which is also the primary reason for existing. Another great feature is the peace of mind that the policyholder feels when out on the road, knowing that even if something goes wrong, at least the financial burden will not rest solely on their shoulders. Car insurance is not an option, it is a requirement. In all 50 states you must have at least bodily injury liability and property damage liability. Bodily injury liability does not protect you in the event of an accident, but rather the body of the other party or parties involved. The same goes for property damage liability. It will cover the property damage cost, such as to a car or mailbox, in the event of an accident that is your fault. The third type of liability insurance, uninsured/underinsured motorist protection, works differently than the first two types. This coverage actually protects you as a pedestrian or your car against other drivers that do not have any insurance coverage at all or little insurance that does not adequately cover any necessary repairs or medical expenses. Uninsured/underinsured is especially helpful if you don't have your own health insurance policy yet.
Getting an insurance policy that only meets the bare minimum requirement is not always the best option. If you make payments on a car, or if you got an extra special graduation gift (a new car), it's not an option at all. Auto finance companies generally require that you have comprehensive auto insurance, also known as full coverage. If you have a new car, it is still recommended to get collision coverage or comprehensive coverage because the liability simply will not provide enough funding to repair or replace a new car that still has a lot of value. Comprehensive coverage will protect your vehicle against damage from bad weather, theft, and vandalism. Collision coverage protects against just what it says, collisions. You will be covered for damage done to your vehicle during accidents that are your fault. The reason you are only covered if it is your fault is because the other party would have to foot your bill should it be their fault, as long as they have insurance. Collision and comprehensive coverages are expensive, but on your policy you can tweak the coverage levels and deductible levels in order to lower your rates while not sacrificing too much coverage.
There is at least one thing all college students learn, probably without even going to a class, and that is how to save money any way you can. With auto insurance, there are plenty of ways to save money, like taking lower coverage amounts and raising deductibles as previously mentioned. Perhaps the best way to save money on auto insurance is by shopping around for the right company. Your current situation may be a perfect fit for a specific company and allow you to receive significant savings. Now you have your college degree, the perfect auto insurance strategy, and the rest of your successful life ahead of you!
Tod F. is owner of http://www.theinsurancefiles.com/ The Insurance Files is a great resource for information on all types of auto insurance, health insurance, life insurance, homeowners insurance and more. You will find a wealth of information to answer all of your insurance questions. Get a free auto insurance quote today from The Insurance Files!
Article Source: http://EzineArticles.com/?expert=Tod_F.
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