Personal Factors That Affect Insurance Rates

A reporter recently asked Edmunds about the kinds of personal information that can affect the cost of car insurance. She also wanted to know whether people could do anything to address personal factors that were keeping their car insurance rates high.

They’re good questions, and Edmunds was happy to help answer them. During the research it became clear that when it comes to car insurance, there’s hardly anything that isn’t personal. Here are five all-about-you factors that can affect your car insurance premium:

1) Your driving profile. Such factors as the number of miles you drive annually and your accident and ticket history are major elements in setting your insurance rate. The less you drive, the less risk of an accident and a claim. Safer driving — meaning a history free of accidents and moving violations — also points to someone who’s less likely to file a claim.

2) The car you drive. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record and the likelihood of theft, according to the Insurance Information Institute. The cost of fixing a brand-new $225,000 2010 Ferrari 458 Italia is going to

Is Cheap Gas Bad for Your Car?


Gasoline is expensive and you’re looking for every way possible to save money at the pump. You already shy away from premium fuel, knowing that your car doesn’t require it. You’d like to save a few pennies per gallon more by going to an off-brand gas station. But you can’t get rid of the nagging fear: Is the cheap gas going to damage your car’s engine? put this question to experts in several fields, including an automotive engineer at a major carmaker, gasoline manufacturers and two engineers with the American Automobile Association (AAA). It boils down to this: You can stop worrying about cheap gas. You’re unlikely to hurt your car by using it.

Because of the advances in engine technology, a car’s onboard computer is able to adjust for the inevitable variations in fuel, so most drivers won’t notice a drop off in performance between different brands of fuel, from the most additive-rich gas sold by the major brands to the bare-bones stuff at your corner quickie mart.

Still, spending a few extra pennies per gallon might provide peace of mind to

Car Insurance for Teenage Drivers


The statistics about teenage drivers aren’t good. According to the Insurance Institute for Highway Safety (IIHS), 16-year-olds get into accidents almost six times more often than drivers between the age of 30 and 59. No wonder car insurance premiums are so high for this age group.

However, not all car insurance companies take the same dim view of young drivers. And some discounts are available to help you cut costs. Remember, the higher the risk, the higher the cost of insurance premiums. Let this be your guiding principle as you shop for insurance.

Here are 10 suggestions to help lower premiums and keep your teenager’s license free of violations:

1. Help your teen learn the laws and follow them to the letter. By far, the best way to lower car insurance costs for teens is for them to keep their driving record clean. Make safe driving a family project. In some states, restrictions apply to new drivers. Parents should know what the laws are and insist that their sons and daughters follow them.


Critical Errors to Avoid when Using Betting Web Sites

Online betting is an industry that flourishes more as each day passes, which is why so many people are using them to make money. One of the main issues with this is the fact that those who are not sure of how to conduct themselves typically end up on the losing end. If you want to try your hand at betting web sites do everything you can to avoid making any of these critical errors.

Forgetting To Check Your Slips

Whether you believe it or not, this is what stands between many people and all the money in the world, When you invest money on betting web sites, it is important that you check all of your slips to make sure that everything is entered correctly. If you don’t realize the error until much later, it will be too late to do anything and all you have wagered will be lost.

Relying On Coincidence

If a team that you like tends to win on a particular day of the week, this is not enough reason to invest a ton of money into them. Continue reading

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Buying your used car at Vend Mon Auto has several advantages. On our site via the internal search engine, as directly in our garage, you have all the details and elements necessary to better know your future used a car. Via the Vintage tab, you can find vintage cars or old cars. In addition, at Vend Mon Auto, you have revised cars offering all the necessary guarantees in terms of reliability, comfort and driving pleasure about indoor car cover.

Our seriousness regarding the choice of used cars is uneven. Our experts’ control all of our used vehicles and overhaul them before displaying them. In

Revealing Real-World Solutions In PUBG mobile

PUBG Cellular zombies mode zombie types What are you able to get? PUBG Cellular Hack and features Sound is extraordinarily vital Now for the graphics card. Now, it’s anybody’s sport. You possibly can spy round you if you’re hiding behind a tree or in a room. You possibly PUBG mobile hack can Use ” Eye – button “ to look around the corner with out exposing yourself and imagine me, My pal, this is very helpful in case you are surrounded by an enemy to spot the situation.

Have you ever ever encountered a hacker who has no name? You may have surely noticed a Red Circle while playing in any map. This circle is generally known as ” Crimson Zone “. Try to keep away from this Purple zone as much as possible as a result of that is very harmful for any player. On this Zone, Bomb can explode anyplace at any time and you can get affected by the explosion. Look Around with out Moving :

Drop location is vital Fed up taking part in PUBG, too many Hackers with Aim Bot or other hacks. On

Get to know the new Ford EcoSport, inside and out

A few decades ago, people were very quick and straightforward at decision making. It was not because of their astuteness, it was due to the meager choice available before them. As time elapsed humans tie-up with technology has shown remarkable results that left its creators (humans) itself baffled. Now there are plentiful choices available before people and that’s why it is recommended to research before buying any product. In the hunt to buy the best SUV, this article will help you out to assist in your research about the new Ford EcoSport and save your crucial time. This write-up has been written after doing holistic analyses of this new machine. It includes meticulous points also so that you make not hunt for yet another article or videos to get the complete picture. Without further taking your time, let’s move on directly to its features.

Here the discussion will revolve around the avant-garde model of a Ford.

Inside Features:-

  • You can utilize its voice commands to explore its amazing usage like to play music, listen to messages

Repair or Replace Your Windshield the Right Way

When faced with replacing a windshield, many car owners default to the lowest-price option. But if you take this route and are in a serious accident, your decision could cost you your life.

An incorrectly installed windshield could pop out in an accident, allowing the roof to cave in and crush the car’s occupants. Furthermore, when the front airbags deploy, they exert a tremendous force on the windshield and will blow out one that is not firmly glued in place.

“There are a lot of schlock operators” installing windshields, says Debra Levy, president of the Auto Glass Safety Council, which offers certification for installers. She says using original manufacturer’s glass is a plus, but choosing a good installer is even more important. To find a certified shop, visit and type your ZIP code into the box at the top of the page. Certification is valuable because it keeps installers up to date on advances in adhesives and changing automotive designs.

David Beck, one of two technicians at Windshield Express, near Salt Lake City, installs eight windshields a day and has been working in the auto glass business for 18 years. Beck agrees that certification is important and warns that there

Should You Fill Your Car’s Tires With Nitrogen?

A member of the Dodge Challenger owners’ forum was buying a new car from a dealer and noticed green valve-stem caps on all four tires. The salesman told him that the tires had been filled with nitrogen, which would keep the tire pressure and temperature more consistent and that it would prevent tire rot from the inside out. It wasn’t a free add-on, though. The “nitrogen upgrade” was a $69 item on the supplemental window sticker. Another forum member later posted that his dealer was charging $179 for this same “upgrade.”

Some dealerships and tire stores claim that filling your tires with nitrogen will save you money on gas while offering better performance than air. But a closer look reveals that nitrogen has few benefits and much higher costs. For starters, a typical nitrogen fill-up will cost you about $6 per tire.

Why Nitrogen?
The Get Nitrogen Institute Web site says that with nitrogen tire inflation, drivers will note improvements in a vehicle’s handling, fuel efficiency and tire life. All this is achieved through better tire-pressure retention, improved fuel economy and cooler-running tire temperatures, the institute says.

This sounds great in theory but let’s take a closer look at each of

How To Prep Your Car for Long-Term Storage

There are a number of times when people need to store a vehicle for an extended period of time. Maybe you have a convertible that you love to drive in the summer, but winter is on the way. Or perhaps you’re going to leave town for a job or an extended vacation. Maybe you are in the military and are being deployed overseas.

Whatever the reason for your time away from the vehicle, you’ll need to put it in storage. If you simply let your vehicle sit on the street or in a garage for an extended period of time, you may return to a dead battery or — worse yet — a damaged engine, ruined tires and a rat’s nest under your hood.

Here are important steps to take before you store a vehicle. They will preserve the life of the engine and ensure that your car starts when you return to it.

Keep It Covered
A garage is the ideal place to store a vehicle. This will protect it from the elements and keep it at a temperature that’s relatively stable. If you don’t have a garage and you can find accommodation at a reasonable price, consider putting the car in

How To Cut Teen Insurance Rates

Teens ages 16-19 are three times more likely than drivers older than 20 to be involved in a fatal crash (or any crash, for that matter) according to the Insurance Institute for Highway Safety. It’s not too surprising, then, that teen drivers tend to have high insurance premiums. For parents, this can mean a big jump in insurance premiums once you add your teen driver to your policy. However, there are ways to reduce your costs right out of the gate, even for very inexperienced drivers. Here are some ways to keep policy costs at a minimum.

Choose the Right Car
It’s simply a matter of economics. There are some cars that cost more to repair and replace than others. There are also some cars that are more likely to be stolen and others that protect passengers better in a crash. Combined, these three characteristics have a lot to do with how much you’ll pay for the collision and theft portions of your policy, says David Goldstein, the author of Insure Your Car for Less: A Practical Guide to Saving Money on Automobile Insurance.

There are several ways to choose the least expensive car to drive. First, check the