There is one call that every auto owner hates to get, that is the call when your mechanic tells you that he found a major problem with your car. You only brought it in for an oil change! According to auto repair shops the top ten most frequent car repairs are:
1) Brake system 2) Oil change/lube 3) Cool system (radiator) 4) Ignition 5) Suspension 6) Fuel system 7) Electrical system 
Transmission 9) Air conditioning 10) Exhaust
For many years the seat belt was relied upon for safety in automobiles. Many people debated whether seat belts were safe or not but over time many states made wearing seat belts mandatory. Statistics have proven that seat belts have saved lives in accidents everywhere. The safety belt is now mandatory, due to a primary or secondary law, in all states except New Hampshire. With most everyone now agreeing to the benefits of using a seat belt, carmakers have stepped up their safety standards to use technology to its advantage and developed air bags.
In the 1980’s the first air bag appeared in automobiles. In 1998 all new cars were required to have frontal air bags on both driver and passenger sides. Lighter weight trucks, such as pickups, vans and SUVs, were required in 1999 to have frontal air bags installed.
Your auto insurance rates are determined by a number of factors: -driving record -usage, how you are using the vehicle, work, pleasure, business -how many drivers you have and their ages -how many vehicles you have -what kind of coverage limits you want -what area you live in -your payment history -what color car you drive -your insurance credit score -your claims history -your occupation and how many years you have lived at your current residence -how fast you can solve a Rubix cube -your daily, weekly, annual mileage There is a lot of information about you that is used to determine your rates. You are grouped or pooled together with similar drives of the same background that way you are not paying for drivers that are much worse than you. Similar risks will pay similar rates. Your usage affects your rates because if you are driving to and from work or school 5 days a week, 15 miles one way you have a higher chance of getting in a accident than someone who only drives 1 mile 1 way 3 days a week or someone who works from home and only drives to get groceries. So business, work, and school usage is higher than pleasure usage. The area you live in affects your rates due to the fact that one area or town may have a higher incidence of claims than another area. One area may have higher lawsuit payouts or higher theft rates than another area. Even if you live in a affulent area your rates may be higher due to the higher value vehicles in your area cost more to fix than in an area with lower value vehicles. Although you may have heard that if you drive a red car you will pay higher rates but this is not true. It is a myth. GEICO, USAA (For Military Only), and Allstate, to name a few, don’t even ask what color car you drive when you apply for a quote. And your VIN number doesn’t give this info either. If you have one car and three drivers you will pay more because that car will get used alot more than if you had only 1 driver and 1 car. If you have had a poor payment history or your policy has cancelled due to non payment you will have higher rates when you try to reapply for insurance. The higher your insurance credit score the better. The insurance credit score is similar to your FICO credit score such that the higher your FICO score the lower your interest rate and the higher your insurance credit score the lower your insurance premium. Your claims history will affect you for a minimum of 3 years. If you have filed a claimed or if you even mentioned a claim to your insurance company it can and most likely will affect your rates.
A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.
With a stagnant economy, prices on everything rising, the constant threat of high gas prices, and recent sales and state tax hikes on our automobiles has made it important to find ways to save anywhere we can. A big and easy area to save lots of money is auto insurance. It is amazing that regardless of the commercials like Geico and Progressive telling people to shop for the best rate that 90 percent or more never do. You need to make sure you are getting the best deal possible. You work too hard to through easy money away and make insurance representatives and executives rich. Recent research shows that you can save hundreds or even thousands of dollars just by making a few phone calls and shopping around a little bit.
According to the Insurance Research Council the average savings by shopping around auto insurance carriers is $847. That’s $847 per year and that is a lot of money to throw away. To start saving first call your auto insurance company and ask if you are getting all the discounts you qualify for. Most will happily oblige you on this as they want to keep their customers happy. Discounts could be for things like no accidents, age, sex, driving history, college student, even good grades (I believe just Allstate has this one right now). Discounts of 2 percent to 5 percent may not seem like much but could easily become several hundred dollars or more per year really fast. The biggest deduction is usually a clean, accident free driving record and that can be from 4 to 20 percent or more per year in savings. Just be careful as it only takes 1 infraction to nullify most or all of these discounts.
When you get in a vehicle to drive, it is usually for one of two reasons: to go somewhere or drive around leisurely. In either case, it is assumed you want to reach your destination without being involved in an accident. The following are ten tips for safer driving will increase your chances of reaching your destination without your involvement in an accident. For the most part these tips are common sense.
1. If the weather outside is frightful, stay at home, stay at home and finally stay at home! Adverse weather conditions increase your odds of being involved in an accident. Is your trip necessary? Can it wait until the conditions get better?
People rely and need their cars for going to work, picking up & dropping off the children and shopping. So it is important to keep our vehicle up and running. If you take care of your vehicle it will take care of you and you can save yourself a lot of possible heartache in the future. There are things that you can do to make the car more dependable.
To start with, read your owner’s manual. This may seem like the first thing people do, but you would be surprised how many people do not even bother to learn what needs to done to their car to keep it in good running condition. The owner’s manual contains important information about what maintenance needs to be performed on your vehicle.
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