Entries from November 2009 ↓

You will be surprised how the common and obvious driving distraction can increase your car insurance premiums. Your first accident will raise insurance rates by about 22 while the first ticket will boost them 13% higher. It’s a fact. And most drivers know that the most common reason for having trouble behind the wheel is being distracted.

And what are the most common distractions for a driver?

Eating, talking or using your phone are the most common distraction that take your eyes of the road and lead to crashes or near-miss situations. Most US drivers admit using their cell phones while driving and nearly 20% even manage to write text message while behind the wheel. This leads to the statistics, where about 45% percent of car owners who experienced an accident tell that either of the parties involved was using a cell phone during the crash. Continue reading →

We’re all used to fact that life is never fair. Take it as another Murphy law. Just when you think you have hit rock bottom and things cannot get any worse, they get worse. You would have thought that a recession would mean premium rates would stay the same. In your dreams, you might have hoped for the rates to fall. After all, there’s massive unemployment – maybe it’s hard to believe, but it’s the worst level of unemployment for more than sixty years. With household incomes falling and no job security, this is not the time to find premium rates increasing. Yet when those premium notices drop into your mail boxes, the evidence is there. And it’s not just you. Premiums are going up for most drivers. This is so unfair! All but three states in the union have mandatory liability insurance. For everyone who wants to stay legal on the roads, the price of driving is getting to deterrent levels. First it was the price of gas shooting up like a rocket. Now it’s those premiums! What’s going on? Continue reading →