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When the weather turns cold, many car owners flock to warmer climates, like Florida, to get out of the snow and bask in the sun. In some cases, the cars stay north, while the drivers head south and the question of how to handle an annual car insurance policy arises. Of course, everyone wants to save as much as possible when it comes to car insurance. But it's important to remember that auto insurance is not just coverage for accidents that happen while your car is being driven. Different parts of your auto insurance policy serve different purposes, so the question is really more complicated than it appears. |
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We invest a great deal of money into our vehicles, and apart from a house, a car might be the most expensive item that we will buy.
Keeping your vehicle running smoothly can save you money in repairs and maintenance, and will be safer for you and your family.
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A new baby brings on many new responsibilities and many new distractions while in the car, such as fallen pacifiers, explosive spills, spit ups and screeching cries for help. Although seemingly harmless in nature, these distractions can cause parents to lose their concentration while driving - potentially putting themselves, their family and other drivers in harm's way. |
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From grocery stores to nightclubs to parks and restaurants, people are conducting business and holding personal conversations on their cell phones all over the country. No harm in this, right? Sure, as long as the owner isn't talking while driving!
When a driver "talks and drives" they are not only putting themselves at risk, they are also putting everyone around them in a dangerous situation. As the driver must take their eyes off the road to dial the phone, the focus is on their phone and not on who's in front of them. Plus, drivers become absorbed in their conversations, which diverts their concentration, ultimately jeopardizing the safety of other drivers and pedestrians on the road.
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When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.
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Driving can be dangerous. Although the number of fatal road accidents per licensed driver is less than half of what it was forty years ago, death still happens every day on our roads.
We hope that you never experience this worst-case scenario - and we`ll do what we can to help you figure out the most dangerous times (and ages) when it comes to avoiding disaster.
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In most states, auto insurance functions under a traditional fault-based system. Under this system, insurance companies make payments based on each person's degree of fault in an accident. However, long and costly court battles may be required to determine who was at fault in many accidents. In an attempt to reduce this problem, thirteen states (CO, FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, and UT) have adopted an alternative no-fault system of insurance. |
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If you drive, you know how crazy it gets out there. Accidents happen, fenders get bent, people get hurt. Or you're innocently parked in your driveway and a tree limb crashes through your windshield. When disaster strikes, auto insurance is there to protect you. |
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There are few feelings like the exhilaration of acceleration. Faster is Better. You'll never hear anyone brag about his record longest trip driving across state. You'll never hear someone boasting about how slow her new car is. We love the sensation of being forced against our seat backs, or watching the world recede quickly into the rear view mirror. |
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Laptop, book money, bean bag chair, TV with DVD player, iPod, cell phone, shower tote and debit card - sounds like your college-bound teen is all set to start school! But are they ready to handle the responsibilities of driving on campus? Sure your teen driver knows how to navigate around your home town, but going to college means driving in an unfamiliar territory - one with more pedestrians, new distractions and new destinations. |
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