Posts Tagged ‘vacations’

The Purpose Of Holiday Car Insurance

Saturday, July 10th, 2010

Many people fail to consider the need for holiday car insurance when planning a trip. While they may ordinarily opt to get things like regular holiday insurance, it’s equally important to get yourself something that gives you adequate protection in the event of a car accident.

If you’re driving a car on your planned trip, this is definitely something you won’t want to go without. The smallest accidents can end up doubling or tripling the cost of your trip, if not more, without a holiday car insurance plan.

People get distracted by their surroundings. They’ll get lost sometimes. Maybe they’re looking at a map that requires their attention.

There are many reasons that the risk of a car accident is higher when you’re traveling, and the bottom line is that you’ll need some protection.

By looking into holiday car insurance, you’ll be doing yourself a huge favor in the event that anything does come up. The good news is that this type of holiday insurance doesn’t cost nearly as much as you’d think, and it’s well worth the peace of mind.

The good news about this form of holiday insurance is that it’s very flexible. Unlike traditional policies that go by the month, or even holiday insurance policies that go by the trip, holiday car insurance can actually be purchased for single days if you prefer.

Once you know how long you need it for, you’ll begin to get some prices. Everyone’s price will be different, as there are a few things that might determine yours. Some of these would include your traffic violation history, accident history, where you’re going, and other health risks, if any. How old you are matters too.

If you’re planning on getting holiday car insurance, the sooner you get it before your trip, the better. Acting as soon as possible is recommended for finding better deals.

You’ll see that many carriers online offer free quoting options and other things that cost you nothing to learn about your options. Go for it, you won’t regret it.

For more on holiday car insurance prices and holiday insurance, visit today.

Tips To Stop Car Thieves When Driving On Your Vacation

Tuesday, March 9th, 2010

In these tough financial times most folks need vacations more than ever. As well, they also want to save a lot of money. One economical solution is taking the family car and driving to and from your holiday destination instead of flying there.

If you are planning to drive, it may also make sense to take a few steps to protect yourself and family from auto thieves. Having a car thief steal your car, your luggage, other items of value in your trunk could really wreck what was supposed to be a fun filled and relaxing trip.

Even though you take all the numerous precautions to prevent auto theft when you travel, very determined professional car thieves can still take any vehicle if they want it badly enough. Do you remember the action movie Gone In 60 Seconds that starred Nicolas Cage? However, you still can really reduce the chances of becoming a victim of auto theft to near zero.

Almost all of these auto theft preventative measures are common sense and will cost nothing to do. So it may make a lot of sense to implement them not only when you travel by car on your holidays, but also in your every day driving.

First, to start with, you should never take for granted that you are immune from auto theft when traveling, or that your vehicle is not worth stealing.

Keep in mind that thieves might be after more than your vehicle, luggage, or any valuables that might be inside your vehicle. They might only want an older car to take a joy ride in or for its parts.

They may also be after your vehicle documents for identity theft purposes, or they could be thinking of robbing your residence while you are away on vacation. Where would they get this important information? From the vehicle registration and auto insurance papers which are usually conveniently located in the glove compartment.

The best way is to eliminate this problem is to keep these documents on your person at all times when traveling on your vacation.

The second best way is to reduce this problem by hiding these documents really well in the trunk of your car. Some police forces in cities that have high auto theft crime incidents recommend this. Remember to tell everyone who is traveling with you where these documents are hidden in the trunk.

Here are some more ways you can lessen the chances of having your holidays wrecked by car thieves. If you can manage to implement some of these suggestions, you will really lessen the chance of becoming a victim of auto theft when you travel.

Make sure you always close your vehicles windows tightly and lock your car each time you leave it parked, even if its only for just short period of time.

A real invitation to lose your vehicle is to leave it idling and unattended. You should never, never do it. Not even for even a minute.

Similarly, do not leave your vehicles keys in the ignition or hidden anywhere in car, including a second set of keys. Car thieves can easily find the keys hidden in the usual places very quickly. Keep another set of keys with you.

Do not leave any thing of value in your vehicle, even if they cant be seen from the outside of your car. If you can, take them with you.

However, if you must leave valuables in your vehicle, make sure that they are locked up inside your trunk. When you do this, look around to make sure that no one is watching what you do, or better still stop, pull over, and put them in your trunk before you arrive at the place you’re going. Prying eyes could be anywhere.

When parking your vehicle in public areas, turn you front wheels either to the left or right before turning your ignition off. This will engage the steering wheel locking mechanism in the steering column which can make your car a little more difficult to steal.

By engaging the emergency brake after you have parked and turned the motor off, you may also make your vehicle harder to tow away.

For front wheel and rear wheel drive vehicles you should park them differently when in an underground parking garage. The front wheel drive autos should be parked with the nose in and rear wheel drives with the nose out. Then turn your tires to the left or right. Again, this may make your vehicle harder to tow away.

Its always best to park in an attendant controlled parking lot rather than an unattended one. If it is a place where there is valet parking, only give the attendant your door and ignition key. They don’t need any of the other keys on your key chain.

In public places around dusk and at night, always park in well lit areas that have a lot of pedestrian traffic. Keep in mind that most auto thieves prefer to work at night.

If you can, avoid parking near or next to any obstruction, such as a hedge, fence, large truck, or anything that blocks a clear view of your vehicle to vehicular and pedestrian traffic.

When you’re staying in a place that has secured, gated parking, be certain that the gate has completely closed after entering or leaving so that a thief does not sneak in to the parking area where you are staying.

If you see any suspicious activity such as someone or a group of people loitering near your vehicle you should call the police.

Here are some anti-theft devices that you can install for maximum protection. You may already have a few of these products installed in your vehicle.

You can use an easily visible after-market steering wheel lock bar. Most car thieves will likely move on to easier prey/greener pastures. Other less visible after-market products are gas pedal locks, brake pedal locks, or armored collars that fit around the steering column which protects the ignition. For the manual shift vehicles you can also use after-market shifter locks. These items are effective but not as highly visible to prying eyes.

Another thing that you can easily do is to have your mechanic install a hood lock that will prevent easy access to your vehicles battery and security system.

A loud vehicle alarm system with a very visible alarm sticker on your windshield could be worth its weight in gold particularly when combined with a number of these other anti-theft security options.

The best vehicle protection is a passive electronic immobilizer that disables the motor when the ignition is turned off. Its not an inexpensive device to get installed but is well worth it for your peace of mind. There are more benefits you may receive by installing an electronic immobilizer in your car. A number of auto insurance companies will offer a discount on your policy if you can produce documentation that you have had one installed. You may also get more money for your vehicle if you sell it down the road.

Last, but not least, make sure you have adequate insurance coverage on your vehicle including theft and damage before you travel on a vacation.

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What Do You Get For Your Car Insurance Dollar?

Friday, February 12th, 2010

No matter how you pay for car insurance, it is likely that you feel you may be paying too much. While you may be able to shop around and save money on car insurance, do not make the mistake of not paying for this required insurance. Doing so can cost you peace of mind. Here is where some of the insurance dollars go.

In the first place, by having liability insurance on your car, you are meeting the financial responsibility laws of your state. These financial responsibility laws vary vastly by the amount and types of coverage that are required, but all states require that all drivers be covered with personal injury and property damage insurance on their car. Let this coverage lapse for even a day and some states will cancel your registration or driver’s license until you prove that you have insurance coverage in place and pay an administrative fee or fine.

Driving without car insurance, however, can cost you much more than just a fine. If you are in an accident, you can be held financially responsible for the other person’s vehicle and medical expenses. In addition, you will likely be ticketed for driving without insurance. These expenses can far outweigh anything you might pay in insurance fees.

In addition you will have to pay to have your own vehicle repaired or replaced. In the interim time, you may have to pay for a rental vehicle to take you to and from work and fulfill other duties for which you need a vehicle. This can sometimes be several weeks. The cost you pay for the rental vehicle is often a significant amount of money.

For coverage on your vehicle in the event of vandalism, glass breakage or theft, you will need comprehensive coverage. Far more car thefts occur than we would like to think, and stolen vehicles often are not recovered without at least some damage. Many times the vehicle is driven until it is wrecked and abandoned. Other times it will be stripped and the parts will be sold.

Persons that drive newer vehicles often find that their finance company requires that they carry insurance on the vehicle. The coverage needed is full coverage insurance and there may be a limit to the maximum amount of deductible on the insurance you are carrying on your vehicle. If you do not have insurance, the finance company can take out an insurance policy on your vehicle, but the price you pay for this insurance is very high when compared to the price you would pay for your own insurance. In addition, it does not meet any state’s financial responsibility laws.

The best way to find the cheapest car insurance is to comparison shop by asking for quotes for insurance on line. Many companies offer free quotes just for asking. Get several of the quotes and find the best price for your situation. While you can get quotes without giving personal information, you will get the most accurate quotes by giving all the requested information. Compare each quote to find the best price.

The price that is paid for peace of mind can often be less by comparison shopping for insurance.

Looking for a quick and efficient roadside assistance service? As Canada’s largest automobile association, they have towing services, caa membership, and other services available to all their members. There’s even special promotions such as New York City vacation packages.

The Importance of Car Accident Witnesses

Saturday, December 12th, 2009

Anyone who has witnessed a car accident knows how traumatic the event and accident scene can be. There are often seriously damaged cars and injured people. When witnessing a car accident, one has a moral duty to report what they saw and heard to the police. A car accident witness is an essential part getting to the truth about how the accident happened and who may be liable. The testimony of a car accident witness is crucial to any litigation and accident claim.

Often a car accident witness will provide the important and critical information about what happened prior to the accident and at the time of the accident. If there is an at-fault claim from one of the drivers involved in the accident, a witness will corroborate or refute the claim.

A driver who claims no-fault will benefit from a witness who can substantiate the claim as it will help the driver receive compensation for damage and cover them for personal injury protection. If not, a driver could end up with an enormous expense for vehicle damage repair, medical expenses, and if the injured driver sues for punitive damages.

A no-fault driver, who is accused of being at-fault, needs the testimony of a witness to prove they were not at fault for the accident so they can have their claim approved and not have to pay compensation to the other driver. As well, being found not at fault will keep one’s insurance premiums from sky rocketing.

A car accident witness can help with resolving any discrepancies about the car accident. For instance, if the police arrive at the scene after the accident and write a report saying one driver caused the accident, but are mistaken, a witness who actually saw the accident happen can correct the mistake. This can save a lot of time and money regarding litigation, increasing insurance premiums, and claim compensation. As well, there are people who will try to fake an accident in order to make a claim which is known as accident fraud. A witness to the accident can debunk the accident fraudster claim.

The accident witness can provide information right after the accident happens so it is fresh and accurate. Accident witnesses provide such valuable information as how and where the car accident took place, road and weather conditions during the time that the accident took place, the behavior of the drivers involved, and even provide pictures of the accident scene. If a claim against another driver is contested, one must have the evidence to prove who caused the accident. Witnesses can provide the exact chronology of the event in order to help ensure the police and insurance companies know all the pertinent details of the accident.

The testimony of a witness is essential when investigating a car accident. If you witness an accident, make sure your memory is accurate and provide as much detail as you can so that the right conclusion regarding who is at-fault is made.

By joining the CAA membership, members will be able to experience benefits such as CAA car insurance and CAA roadside assistance. On top of that, members are also able to receive 20% more petro points! With so many benefits, make sure to visit us today!

Auto Club Membership Gives Moms Confidence in their New Teen Drivers

Tuesday, December 8th, 2009

When moms see their teen daughters or sons get their driver’s license, they know that their child is on the road to independence. Most moms worry about their teens when they are out driving their vehicle. Concerns can include a vehicle break down as well as the fact that teens are at a higher risk of car accidents than other age groups. Fortunately, auto club memberships give moms peace of mind when their teen is out driving in the day, night, or on a long road trip.

An auto club membership is much like an investment in your teen’s safety. Roadside assistance is of particular importance for a teen driver. The roadside assistance services provided with an auto club membership can include: vehicle towing, changing a flat tire, boosting a dead battery, and bringing out fuel and other fluids such as motor oil and anti freeze. As well, a technician will be sent out to replace lost or stolen car keys and even help a teen get into their vehicle if they accidentally lock themselves out. As well, with a dead battery, a technician will be sent out to test, diagnose or even replace the battery right there at the location of the break down. This type of service provides moms with peace of mind knowing that no matter what time of the day or night their teen is on the road, assistance from an auto club is only a phone call away. It is available 24 hours a day, 365-day-a-year, even holidays

An auto club member can also receive help with auto repairs. They know what standards to look for in a quality auto repair shop. Their recommended car repair facilities have been screened and inspected. They go by government and consumer agency reviews and keep a check on the repair shop to ensure they meet high quality standards.

Auto club memberships can also offer driver training for new drivers. They can provide a list of reputable teen driving schools that will help them improve their driving skills. A benefit of driver training will often translate into savings on the teen’s vehicle insurance. Some auto clubs offer teen driver fairs that educate teens and their parents about safe driving. This includes showing teens how to properly use gas and brake foot pedals, safety-belts, mirror adjustments, changing a flat tire, checking fluid levels, and making the proper seat-height adjustments.

Auto clubs will also offer driving assistance in the form of personalized road maps, trip routing, and an online map service providing directions. They can often be customized personally for maps to such areas as schools, theater, restaurants, recreational facilities, and other points of interest to the teen.

Teens are at a high risk of an accident when driving and often can drive with less care than an adult. When their teen is driving on the road by themselves or with their friends, a mother will worry until she sees the car pull up the driveway. Purchasing a membership in an auto club will significantly reduce that worry giving mothers peace of mind when their child is driving.

By joining the CAA membership, members will be able to experience benefits such as CAA insurance and CAA roadside assistance. On top of that, members are also able to receive 20% more petro points! With so many benefits, make sure to visit us today!