Car Web News

Most common types of car insurance discounts Driver history These discounts are based on things you’ve done in the past (or haven’t done, in the case of the good driver discount). Driver history discounts are quite common and are often the biggest discounts that carriers offer, so qualifying for these can save you a major chunk of change on auto insurance. Good driver discount:  If you haven’t had any accidents or traffic violations during the past three years, most insurance carriers will give you a good driver discount—though a few carriers require as many as five years of perfect driving to earn this discount. Defensive driving discount:  Passing a licensed defensive driving course can get you a reduced rate, although you’ll likely have to retake the course every year or two to hang onto the discount. Driver training discount:  Drivers under the age of 21 who take an approved driver training course may be eligible for a discount. Since car insurance rates for...

If you’re a business owner who works at home, or you earn an income from work you do at home your insurance coverage could be affected and may not provide proper coverage.  Is Your Business Activity Covered? A standard homeowner’s policy does not cover business activities and this includes you, supplies, materials or clients/visitors who are on your property for business purposes.  For example, if you are an artist and create works from home that get destroyed in a fire, your home policy could deny covering the loss.  Proper Liability Insurance Coverage It’s especially important to have proper business insurance in place if you have employees who work in your house and get injured.  Even though you are the homeowner and have a homeowner’s insurance policy, you or your employees may not be covered if injured while performing business activities.  Separating Home and Business Insurance Even if you don’t have inventory and work alone from home, the ne...

DUIs are on the decline nationally—the  National Highway Traffic Safety Administration (NHTSA)’s latest study  even notes that drunk-driving fatalities have decreased by one third in the past three decades. This is likely due to the rise of research and educational initiatives aimed at raising public awareness of the dangers of impaired driving. But that doesn’t mean the issue doesn’t persist across the country. In fact, someone dies from a drunk driving accident every 50 minutes—that amounts to 29 fatalities a day, according to the  Centers for Disease Control and Prevention (CDC) . Additionally,  over a quarter  of all traffic-related deaths are the result of alcohol impairment. Across the nation, some cities and towns see a markedly higher prevalence of DUIs—posing a threat to those communities’ drivers. Interested in which cities are home to the most offenders, the data scientists at Insurify, a car insurance comparison shopping website, sought to rank...

Thanksgiving weekend is almost upon us; a time when we reflect on the people and things in our lives we are most grateful for. Since, most of us will be driving somewhere this holiday long weekend, make sure you drive safe! This holiday includes celebrating with our family and friends and driving to visit all those we are thankful for.  More vehicles will be on the road during the holiday travel period and it’s important to drive carefully so everyone stays safe. Here we provide some tips on how to ensure you are driving safely over the Thanksgiving holiday weekend. Tips for Safe Driving Ensure you are well rested before getting behind the wheel and don’t drive if you are tired Never drink and drive Always wear your seatbelt and make sure your children are properly secured in their seatbelts or car seats Obey the posted speed limits and following at a safe distance Using only hands-free communication devices while driving Be patient if there is traffic and try...