FRIDAY, FEBRUARY 8, 2013
Winter driving can be tricky; the colder it gets, the more likely it is that roads can become slick. Even a road that's been sitting in the sun all day can turn into a hazard if water oozes onto it in the sunlight and then freezes when shadows pass over it.
Just last week, white out conditions on a freeway near Detroit caused a 30-car pileup that killed three and injured 20. People who weren't expecting anything—some of them creeping along at 30 miles per hour—ended up crashing right into the confused jumble of wrecked cars, jackknifed trucks, and spilled chemicals ahead.
The point is, you never know when conditions are going to take a turn for the worse, but if they do, here are a few pointers on how to stay out of trouble. Some of these things can come in handy in the summer, too, but winter throws an extra wrench in the works when temperatures plummet.
Hopefully you'll never have to find out what getting in a snowy (or any) pileup feels like. These simple tips can help.
1. Slow down
If conditions get wet, cold, and especially if you can't see well, dial back your speed a few notches. You don't want to be surprised by slow or stopped traffic ahead. Look what happened to all of those unfortunate Michiganders on I-75. But watch your six (that's the rear), too. There may be someone behind you whose reticent voice of reason has them truckin' like it's 80 degrees and sunny.
2. Traction is everything
You control your vehicle with steering, braking, and acceleration. When it gets slick, go easy on the accelerator, but also on the steering wheel and brakes. If you jerk the wheel in wet snow, the car will likely continue to go in a straight line even if the tires are turned all the way to one side. It's the most extreme type of understeer you'll ever experience. Braking, obviously, doesn't work well when the tires don't stick to the ground, so you have to start braking much sooner when the road is slick. Basically, observe tip No. 1 and try to plan your maneuvers in advance.
3. Keep on top of the weather
Most places in the continental U.S. experience cold snaps, at least occasionally, so ice and snow can become a problem faster than you think. Even in Southern California, a sudden onset of heavy rain or fog can cut visibility to nil and surprise motorists who aren't used to driving in bad conditions. It's a good practice to have an idea what the weather is going to be like year round, but it's especially important in winter, when a snow storm can put the kibosh on even a short drive. If you're planning a long trip, check weather reports frequently to make sure your route won't lead you through some impassable tempest.
4. Assume that other drivers are amateurs
This really depends upon where you live, but unless you're in some tiny Minnesota town where you're acquainted with everybody and know who can drive like a Scandinavian ice racer, don't give other drivers the benefit of the doubt. If you see another car coming, give it as much space as possible. When coming up behind another car, maintain plenty of distance between it and yourself. If someone decides to pass you in the dark on an icy blind curve, let 'em have at it. Slow down and move over so that if they do eat it, you don't get taken out, too.
Read The Other 4 Tips: Source
FRIDAY, FEBRUARY 1, 2013
The current estimate of vehicles damaged as a result of Sandy hit the 230,000 mark as claims processed by insurance companies have been analyzed.
New York has had the most vehicles affected by the storm with 130,000 while New Jersey generated 60,000 claims, according to the National Insurance Crime Bureau (NICB), which announced the revised estimates as provided by the Insurance Services Office Inc. (ISO), a subsidiary of Verisk Analytics.
The remaining 40,000 were reported from Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, North Carolina, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and West Virginia.
These are preliminary figures and may change as additional claims are processed. Moreover, there is no determination as to the extent of damage to these vehicles. They could have sustained minor paint scratches from flying debris, or have been under water for days and rendered total losses.
Read More: Source
TUESDAY, NOVEMBER 20, 2012
Maintaining a car can be a very expensive venture if you are not careful. From annual inspection and periodic upkeep to keeping the car fueled and insured, owning a car can easily deplete your bank account and leave you strapped for cash. One major cost associated with owning a car is paying for car insurance. Depending on where you live in the United States, car insurance could either be a small expense or take a dramatic toll on your budget. Here is a look at five of the most expensive cities in America for car insurance.
According to an article released by Yahoo! in January 2012, Detroit, Mich. has the highest car insurance premiums on average in the U.S. The Motor City's insurance rates are most unfriendly to cash-strapped car owners. According to Runzheimer International, the average car insurance premium in Detroit was $5,941 in 2011. That's nearly $2,000 more than the runner-up. The Motor City is filled to the brim with automobiles, and as a result of the high population of citizens and cars, along with a no-fault insurance system, its insurance premiums have stayed among the highest in the country.
Philadelphia, Pa. is another city that is hit hard by high car insurance costs. Coming in just behind Detroit, the City of Brotherly Love is not feeling the love in regards to its high premium costs. In 2011, the average car insurance policy cost drivers $4,076, according to Runzheimer International. The cost is not nearly as high as Detroit's astronomical average premium of $5,941, but is considerably higher than the approximate $1,199 national average that HomeInsurance.com reported for December 2011. Due to Philadelphia's overcrowded streets and high population of vehicles, insurance rates have continued to climb.
Another American city that definitely gets the short end of the stick when it comes to saving on auto insurance is New Orleans, La. The Big Easy has one of the most expensive car insurance premiums in the U.S. According to a Runzheimer International study performed in 2011, New Orleans had an average car insurance premium rate of $3,599 in 2011. New Orleans' high premiums are not due to overcrowding but because of judicial ruling. In Louisiana, only claims totaling over $50,000 actually make it to a jury case. Claims less than that benchmark are settled out of court.
Miami, Fla. is another U.S. city that was unable to escape high auto insurance premium rates. The Runzheimer International study performed in 2011 marked the average car insurance premium in Miami at a hefty $3,388. Due to the city's no-fault auto insurance rule and an influx of fraudulent claims, Miami has experienced a significant premium hike in recent years.
Last but certainly not least, Newark, N.J. has one of the highest car insurance premium averages in the U.S. The city features an average auto insurance premium of $2,867. Newark's residents certainly have quite a hefty expense in order to keep their vehicles insured. Similar to Miami and Detroit, New Jersey has a no-fault insurance rule, and costs have risen as a result.
The Bottom Line
Car insurance premiums vary substantially depending upon where you live. States with no-fault laws and higher populations are prone to have higher average auto insurance premiums due to the higher amount of accidents and collisions that occur. The numbers presented are based off studies, and it is possible to find less expensive auto insurance. Many factors apply when determining what your auto insurance rate is, including driver safety, your zip code and your age. Shop carefully when buying car insurance, and make sure you are getting the best rate possible.
Original story - 5 Most Expensive Cities In The U.S. For Car Insurance
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