Finding the Right Car Insurance

If you're going to have a car, you're going to need insurance. But it isn't as cut and dry as having insurance or not. There are a few different kinds of coverage you can get. There are also a few other important considerations you should look at when looking for the correct coverage. Hopefully this blog will help put some of those different aspects of car insurance into perspective for you.

Three Types of Coverage

Although insurance policies and prices vary from company to company, there are three basic types of coverage you'll want to consider.

Liability: If an accident is your fault, the insurance company will usually cover the damage you caused, including bodily injury and property damage.

Collision: The insurance company will pay for repairs performed after an accident. Make sure you go to a repair shop approved by your agency. Otherwise, they may not pay for the work.

Comprehensive: Damage from vandalism, theft, floods, fires and other events is covered. Some insurance agencies don't cover certain kinds of mishaps, so make sure you know all the details — and exclusions — of your policy. Some insurers offer protection from uninsured drivers.

Other Important Considerations

Find out your auto lender's preferences
If you owe money on your car (through your loan), your lender may have some rules on the kinds and amounts of coverage you'll need. Most lenders want a comprehensive coverage package to protect the car in the event of an accident. However, if you own your car outright and have the title, you are free to select the insurance you feel most comfortable with, as long as you comply with state insurance requirements.

What's the smart amount of coverage for me?
Figuring out how much time you spend in your car and the number of hazards that your car faces on a regular basis (traffic, parking, etc.) can help you figure out the coverage you need. If your car is frequently exposed to hazardous conditions, you may want to consider adding more coverage. If you keep your car in a garage most of the time, you probably don't need as much coverage as someone who's parking on congested city streets every day.

Your insurance agent will ask you about your driving habits. Based on data from thousands of insured drivers, the agent can figure out the likelihood of you having an accident and offer a plan that is appropriate for you. Some insurance companies will reduce your payment if you drive less frequently, live close to work or if you drive a safer vehicle.

You should also consider where you live, work or go to school. Are you concerned that your car may get stolen or vandalized? Weigh all these things when choosing your insurance plan. You can easily increase your coverage if necessary.

Click the link to read the entire article from Cars.com: http://bit.ly/17YZhRO

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The Psychology of Merging

Merging may be one of this biggest stresses for drivers, especially on busy roads. Merging into heavy traffic can be a headache because sometimes other drivers won't let you in. And once you are in you have to worry about other merging drivers swooping into your lane. Sometimes drivers don't

But why does merging make us so angry? And why can people never seem to figure it out? This article from Edmunds.com explains the psychology of merging, and even tells you how and when to merge without losing your cool.
merge soon enough, or else there are those drivers that just make it impossible for anyone else to merge because they refuse to leave a space open.

Why Late Merging Ticks Us Off
Merging is only one of a long list of driving situations that stir deep emotions. Yet, when best-selling author Tom Vanderbilt began his 400-page book Traffic: Why We Drive the Way We Do (And What It Says About Us), he zeroed in on merging as a universal measure of a driver's personality. The prologue of his book is titled "Why I Became a Late Merger (and Why You Should, Too)."

Vanderbilt suggests that a driver's merging style reveals his personality. There's an old cliché in driving studies," he says: "'A man drives as he lives.'" New York Times columnist Cynthia Gorney boiled the debate down to two main driving personalities: "lineuppers," who take their turn, and "sidezoomers," who race to the head of the line and dart into an opening at the last second. This is maddening to the well-behaved lineuppers. In fact, a Minnesota Department of Transportation study revealed that 15 percent of drivers actually admitted to straddling lanes to block late mergers in construction zones.

Gorney finds her description of sidezoomers gets a spirited response from everyone she questions. "When I raised [this] with my father, who is 83, he startled me by suggesting a longer label that included more bad words than I believe I have ever heard him use at one time." She even found a University of Washington engineer who had his own name for the two main merging personality types: cheaters and vigilantes.

Leon James, a.k.a. "Dr. Driving," whose Web site has a string of articles under the heading "The Great Merging Debate," says merging areas are especially challenging because there are basically two styles of merging that are often incompatible. When early mergers see the late mergers zip by, "most drivers feel irritated, some angry and roadrageous," he says. Trying to block them is "dangerous, illegal and begging for a confrontation."

James sees a connection between the different merging styles and a driver's personality. "Motorists who are less aggressive and more accommodating tend to be early mergers," James says. "They are more community-spirited drivers." On the other hand, late mergers are "more aggressive and opportunistic." And they don't necessarily think of themselves as an exclusive club, either.

"They feel that everybody can be a late merger, and if they choose not to be, it's their choice," James says.

The Case for Late Merging
When you apply the term "sidezooming" to late merging, it conjures up all kinds of negative images. But there is an argument for late merging: It's a more efficient use of the road.

Highway lanes offer a limited amount of space and, because of the volume of traffic, that space is becoming increasingly restricted. So the question becomes this: How can the maximum number of cars quickly move through a set space as that space narrows? Traffic engineers sometimes equate this situation to grains of rice flowing through a funnel. The analogy breaks down, however, when you realize that the grains are touching and sliding against each other as they move — we obviously don't want that with cars. But the comparison is still relevant.

High accident rates in construction zones triggered the Minnesota merger study, says William Servatius, construction programs coordinator in the Minnesota Department of Transportation's Office of Construction. He adds that when drivers are instructed to merge at construction areas: "Many times crashes occur due to aggressive driving, abrupt lane changes or sudden stops."

Using speed-sensing devices that display different messages depending on the speed of traffic, Minnesota DOT engineers developed what they call a "zipper," which meshes cars quickly. Signs advise drivers of the upcoming lane closure, tell them to use both lanes up to a point and then direct them to take turns merging. When traffic is flowing, drivers merge early to avoid unsafe maneuvers. But when traffic is congested, motorists make full use of both lanes. The data revealed that the change reduced traffic lines by 35 percent and also brought down "lane changing conflicts," says Craig Mittelstadt, Minnesota DOT's work zone safety specialist.

But most highways' merging zones don't display friendly signs that tell drivers it's OK to merge late. And so the conflicts continue. And along with the conflicts comes the inevitable finger-pointing (or finger-giving, in many cases).

Kinder, Gentler Merging
The morning after reading these merging studies, I decided to create a third category of driver for myself. I would be neither a lineupper nor a sidezoomer. Instead, I would be a "sidesignaler," politely cruising along by about a quarter-mile of stopped traffic with my turn signal on, requesting an opening. Sure enough, I reached the zipper and saw a gap between cars. In fact, it was a huge gap. I slid into the opening and held my breath. No blaring horns, flashing lights or angry shouts followed my maneuver. I risked a look in the rearview mirror and saw why. The driver was on a cell phone.

Click the link to read the full article from Edmunds.com: http://edmu.in/GM4Aos

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Tips for Washing Your Car You Wouldn't Normally Think Of

With all the muck and grime on the roads, washing your car is a necessary evil. But sometimes we don't always want to pay for a fancy car wash. Here are some tips and tricks most people wouldn't think of that are cheaper and will actually keep your car cleaner for a longer period of time.

Hair conditioner for shine
Wash your car with a hair conditioner containing lanolin. You'll become a believer when you see the freshly waxed look, and when you find that the surface will repel rain.

Fizz windshields clean with cola
When it rains after a long dry spell, a dirty windshield turns into one big mess. Get rid of streaks and blotches by pouring cola over the glass. (Stretch a towel along the bottom of the windshield to protect hood paint.) The bubbles in the cola will fizz away the grime. Just be sure to wash the sticky cola off thoroughly or your cleaning efforts will end up attracting dust

A one-step window cleaner
Clean your windshield and car windows by rubbing them with baby wipes stored in your glove compartment. What could be easier?

Baking-soda car cleaner
Pour 1/4 cup baking soda into a gallon-sized jug, then add 1/4 cup dishwashing liquid and enough water to fill the jug almost to the top. Screw on the cap, shake well, and store the concentrate for later use. When it comes time to wash the car, shake the jug vigorously and then pour 1 cup of cleaner base into a 2-gallon water pail. Fill the pail with warm water, stir to mix, and your homemade cleaner is ready to use.

Avoid air drying
Also according to Consumer Reports, air drying your car—or driving it around while it's wet—after washing can leave unsightly watermarks on its exterior. Use a chamois or a soft terry cloth, plus a squeegee to soak excess water up—just make sure it doesn't pick up dirt that can scratch the vehicle.

Click the link to read the full article and learn even more weird tips to keep your car clean: http://bit.ly/Kz661P

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Travelling With Pets

People that have pets know that it's hard to be away from them for long. Many times when you go on a trip you want to take your pet with you. Many hotels and vacation homes are even pet friendly, which makes it even easier to travel with a pet. But before you get your furry friend to your final destination, you need to make sure that you take the proper measures to make sure that the ride there goes as smoothly as possible. Here are five tips for travelling with your pet in the car.

5: Prepare Your Pet for Car Travel
If you're planning to travel by car with your pet, you should prepare in advance. If your pet has never been in the car before, make some short trips first to see how it reacts. Some animals behave just fine, but others suffer from anxiety or even motion sickness. If the latter is the case for your pet, talk to your veterinarian about appropriate medications. While you're at it, make sure your pet is up to date on vaccinations as well.

Most cats feel safer in the car if they travel in a small crate. To prepare your cat for crate time, leave the crate around the house for a few days so the cat gets used to it. Same with your dog. If you plan on harnessing your dog or keeping it in a crate in the car, get it familiarized with that feeling.

Make sure your pet is wearing its identification tags in case it manages to escape you during the trip.

4: Put Together a Travel Kit
Do you pack a toiletry kit for yourself when you travel? Why not pack one for your pet as well?

If you're traveling out of state, bring your pet's health records along. You'll need them in case your pet bites someone or gets bitten. Put your name, destination address and cell phone number on your pet's crate in case of emergency. Also, don' t forget small first-aid items like nail clippers and liquid bandages.

Portable water bowls -- you can even buy one that folds up -- and bottled water are a great idea. You never know what might upset your pet's tummy, and you certainly don't want to find out while you're trapped in a small car together. So, stick with water -- no food.

Don't forget a pooper scooper, waste bags, treats, an extra leash and your pet's favorite pillow or toy for comfort.

3: Keep Your Pet Safely Entertained
Many pets sleep in the car, but just as many of them wind up getting restless. It might seem fun to let your dog hang its head out the window, but this practice is dangerous. Your dog could be hit by flying objects, and the wind and cold air can cause inner-ear damage and lung infections [source: ASPCA]. Excitable canines can also unexpectedly leap out an open window, leading to serious injury or death.

Instead, bring along a favorite chew toy, treats and other objects that will keep your pet entert-ained and busy. Stop the car often to let your pet out (on a leash, of course) to stretch its legs and sniff out its new surroundings.

2: Food, Water and Bathroom Breaks
During any trip, it's important to stop often so your pet can stretch its legs, relieve itself and burn off some excess energy.
Although water is fine, don't feed your pet in a moving vehicle. It's actually best to feed it no less than three to four hours before your trip begins, to minimize motion sickness. If your pet needs to eat during the duration of the trip, feed it at a rest stop an¬d give it some time to digest.

Speaking of rest stops, when you do stop, never let your pet out of the vehicle without a leash. In an unfamiliar place, animals can act unpredictably and tragedy can occur. Don't put your pet at risk -- keep it on the leash.

Always park in the shade. And never leave an animal unattended in a parked vehicle. On a warm day, the temperature in your car can rise to 120 degrees Fahrenheit (49 degrees Celsius) in minutes, even with the window open [source: Humane Society].

1: Restrain Your Pet
Hands (or paws) down, the best way to keep your pet safe during a car trip is to use a restraint system. You wear a seatbelt for your own safety -- give your pet the same respect. Your pet should ride in the backseat so it won't get injured if a front seat airbag is deployed. However, don't let your pet ride in the bed of a pickup truck. In that case, it's safer up front with you.

The best restraint system for your pet depends on its size an¬d breed, as well as the size of your vehicle. There are many options from which to choose. Following are some general tips:

• Cats and some small dogs travel best in a carrier. They feel safer and can't run around inside the vehicle. You should use a seat belt to secure the carrier.
• If you need to use a crate for your larger pet, make sure it is well secured and cushioned. In the event of an accident, the animal can slam against the sides of the crate.
•  The safest way to secure your dog in the car is through a restraint system. You can purchase a harness that attaches to your regular seat belts, or straps that attach to the ceiling of the car.
• Choose restraints that offer your pet some mobility -- the animal should be able to move and turn in the seat

Click the link to read the full article from Animal Planet: http://bit.ly/18tkXZQ

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Apocalyptic Propotion Disaster: Which Car for the Right Situation?

Public Service Announcement: The zombie apocalypse is here! Well, not really.  But if it were true, would your vehicle be properly prepared for it?  If not, check out this blog on the necessities for different disaster scenarios:

Alright, so let’s say that your city or town has been taken over by giant monsters running rampant through the streets. You’ve got to get out of there or at least be able to get around safely, but how do you do it? Which method of transportation would you use? What if it were zombies instead of giant monsters? What about just a good old-fashioned apocalypse? Transportation is definitely key in any of these situations.

Today’s fun infographic from Jalopnik.com gives us some answers as to what cars would (theoretically) be best for a variety of disaster-movie type scenarios. If you’re trying to fend off the zombie horde, for instance, you’re obviously going to want some kind of armor/barrier over your windows so those pesky undead can’t get to you and your loved ones. You’d also need to be able to stay mobile in the face of a swarm, so a front-end plow would do nicely and who could say no to some spikes and a remote-controlled chainsaw?

For more information and to check out the necessities for your apocalyptic vehicle, take a look at the infographic and original article: http://bit.ly/11qDX2S

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Weird Traffic Laws

We all need to abide to certain traffic laws to keep us safe, but there are some really strange traffic laws out there that make you wonder if drivers have actually ever tried these things that are now illegal!
   

Southern Laws

• Southerners have a reputation for crazy laws and traffic laws are no exceptions. In Sarasota, Florida, you will be fined $78 for hitting a pedestrian. In Dublin, Georgia, it is illegal to drive through a playground, and in Marietta, Georgia, it is illegal to spit from a moving car or bus but it is OK from trucks.

• In Cape Coral, Florida, you cannot park a pickup truck in front of a property you do not own and all over Florida if you tie an elephant or an alligator to a parking meter you have to feed the meter just as if you had parked a car there. In Tennessee it is illegal shoot any animal from a moving car--except whales. In Virginia Beach, Virginia, and everywhere in Texas, if you are caught for drunk driving everybody in the car who is drunk losses their license.

Western Laws

• The "Wild, Wild West" has its share of crazy traffic laws. In Glendale, Arizona, it is illegal to drive a car in reverse--so parking requires careful consideration. In California it is illegal for a car without a driver to exceed 60 mph. In Oregon, you can get a ticket if your car door is open "longer than is necessary."

• You cannot drive a car in Redlands, California unless there is a man with a lantern walking in front of it. In Nevada, it is illegal to ride a camel on the highway. In Denver, Colorado, you can not drive black cars on Sunday and it is illegal to molest a car in Clinton, Oklahoma.

The Rest of the Country

• The rest of the country has traffic laws that are just as weird. In Bloomfield, Connecticut, it is illegal to eat in your car. It is illegal to run out of gas in Youngstown Ohio. In Rhode Island you are required to give an "audible signal" when passing another vehicle, and it is against the law to pass a horse in Indiana.

• Foreign LawsAmericans are not the only people with lunatic traffic laws. In Luxembourg, you must have windshield wipers on your car, but you are not required to have a windshield. In Montreal, you may not park a car in such a way that it blocks your own driveway. In Singapore, you are not supposed to come within 164 feet of a pedestrian crossing the street. You can't wash your car on Sunday in Switzerland, and women in Saudi Arabia still aren't allowed to drive cars.

Click the link to read the entire article from ehow.com:  http://bit.ly/fBziFo

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How To Keep Yourself Sane When You're Stuck In Traffic

Traffic during your commute to and from work can be a nightmare. It'll go much easier the less stressed you get. This article from eHow.com will help you stay sane and safe while you're stuck in traffic.

Things You'll Need
•    Music
•    Books on CD
•    positive attitude
•    coffee
•    alert mind

Instructions
1. Before you get in your car brew a good cup of coffee and pour it in a to-go mug. Stopping in traffic is stressful, and this way you won't have to think about stopping to get your caffeine fix.

2. Get online and go to a website that will tell you what routes have traffic jams. Sigalert.com is a good choice and makes it easy to see which freeways are experiencing traffic jams through a five color system. Red means severe traffic jams, orange means moderate traffic jams, yellow is minor traffic, blue means traffic is going around 30 mph, and green you're in the clear!

3. Once you get in your car, roll down the windows to get some fresh air on your face. This will help you stay awake and alert in traffic. If it's cold outside, put the heater on and direct it at your feet and roll down the windows just a little so you still get fresh air.

4. Make sure you have traffic maps or a good set of directions if you are going somewhere for the first time. Concerns of getting lost or getting delayed because you don't know where you are going only add to the stress of driving in traffic.

5. Turn on your local radio and find out relevant traffic information- if any traffic jams have cleared up or changed while you have been driving you can take alternate routes.

6. Put in a CD of upbeat music to keep you positive and energized while driving. If you are sick of all your music, invest in some books on CDs. They provide an incredible distraction from the traffic around you and also provide an opportunity to catch up on the good literature you haven't read because you've been stuck in traffic!

Click the link to read the entire article from ehow.com: http://bit.ly/14iernn

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