Category Archives: Automobile


Automobile Insurance: the Basics

When you make the decision to purchase a car, auto insurance is not an option, it is a necessity. Automobile insurance will protect your investment in the case of an accident or theft. This type of insurance will help to easy a difficult situation.

If you do not carry automobile insurance and you are involved in an accident, sometimes the other parties insurance will pay for repairs. This is only if the accident is completely their fault and they carry uninsured driver automobile insurance as part of their policy.

It is not necessary to carry uninsured motorist insurance in every state. So, do not put off purchasing an automobile insurance premium because you believe you are a good driver. Accidents happen and that is why automobile insurance is a necessity. In addition to your vehicle not being covered, it is against the law to not have automobile insurance. In many states one must show proof of insurance before vehicle license plates will be issued. There are many different penalties for those who choose to drive without the proper automobile insurance. These penalties can include fines or even time in jail. It may even be possible for you to have your license suspended for driving a vehicle without insurance. Is this a risk you are willing to take?

Now that you have made the decision to purchase an automobile insurance policy what steps do you need to take to insure that you are getting the best possible coverage? First, speak to a knowledgeable automobile insurance agent to find out the minimum amount of coverage necessary in your state.

Purchasing at least the minimum will protect you to a certain extent. It will not cover costs of many damages to your vehicle, so if you own a car that you like and would like to be able to repair in the case of an accident, it is important that you find coverage that will pay for the cost of all repairs.

After speaking to your automobile insurance agent about the type of coverage you want for your vehicle it is time to figure out what your monthly premium payment will be. If you do not want to have to pay a lot of out of pocket expenses in the case that your car is damaged it is best to choose to pay a higher monthly premium charge. If you do not want a high monthly premium charge you can choose a higher deductible.

A deductible is the amount you will have to pay to repair your vehicle in the case of an accident.
A knowledgeable automobile insurance agent can guide you down the right path. These individuals are here to help you. Their job is to help you find an automobile insurance coverage plan that is right for you.

You can purchase additional aspects of automobile insurance coverage. You may want to purchase theft coverage in case there is anything stolen from your vehicle.

You should always carry automobile insurance on the vehicles you drive. This type of insurance insures you and others in the case of an accident. And accidents do happen.

Gen Wright


How To Save Money And Get Discount Automobile Insurance In Maryland

Do not attempt to drive an automobile in the state of Maryland without automobile insurance. If you are caught driving on a public road in Maryland without automobile insurance your license plates can be confiscated and your registration revoked. No new registration and no new plates will be issued to you until you can prove that you have the required insurance coverage. In addition you may be subject to additional criminal penalties imposed by the courts.

In other words, it really doesn’t make any sense to even try to drive an automobile in Maryland unless you carry insurance.

Automobile insurance in Maryland does not have to be prohibitively expense for most drivers. In fact, there are several things you can do to help keep your rates as low as possible.

Start by keeping a clean driving record. A speeding ticket or a drunk or impaired driving conviction will cause your automobile insurance rates to rise to the stratosphere. Likewise, accidents, especially accidents that are deemed your fault, will also cause your monthly premiums to rise sharply – and once your premiums have risen because of any of these factors they are likely to stay high for several years. Changing insurance companies does no good; your records are available to all automobile insurance companies.

If you are below 25 years of age then you know that automobile insurance is especially costly for you. If you are still in school and you want to keep your rates as low as possible then stay in school and work hard; average grades of “B” or better will save you as much as 5% in monthly premiums at most insurance companies. This is known as a Good Student Discount.

If you are 55 years of age or more you may have noticed your automobile insurance rates creeping up. They don’t have to remain high, however. Talk to your insurance agent and see if your company offers a discount for seniors who have successfully completed a refresher driver’s course. Many companies offer a monthly premium discount of as much as 10% to qualifying seniors.

If you have an older car, especially one with little or no trade-in value, you might consider canceling your collision and comprehensive coverage on your car. If your car is damaged in an accident your insurance won’t pay for its repair or replacement, but if your car had little Kelly Blue Book value before the accident then your insurance company would not have paid anything for it anyway – so you really lose nothing and save a considerable amount of money.

One of the most dramatic things you can do to lower your automobile insurance rates is to increase your policy’s deductible. Your deductible is how much money you will pay out of your own pocket if you should have a claim. Since you will be paying for a portion of each claim your insurance company is willing to reduce your monthly premiums.

O.K., now it’s time for you to jump online and check out at least 3 of the many websites that offer to let you compare automobile insurance policies and prices at multiple insurance companies side-by-side. Take the extra time and fill out all of the necessary information on at least 3 different comparison websites. In this way you will be certain to have compared every insurance company that sells automobile policies in Maryland and you can rest assured that you have saved money and gotten discount automobile insurance in Maryland.

The point of all this is that you are not helpless when it comes to controlling how much you pay for automobile insurance here in Maryland.

Larry Nez

Automobile Safety

A Few Things About Tire and Snow Chains


You will be able to find numbers and characters on the side of the tires. Usually for the modern tires the size almost always  presented this way: P165/70R13, this one says that the tire is 165mm wide, the aspect ratio is 70% and the wheel diameter is 13 inches. All of these numbers are critical in helping you to find the traction products that will fit your tire.


Since the drive tires are the ones provide force, they are where the tire chains should be mounted. On vehicles with front-wheel drive this would be the two front tires, of course if you have rear wheel drive vehicle you only need to chain up two rear tires. If you don’t know what kind of drive you have, then check the vehicle owner’s manual. One more thing, if you have a four wheel drive vehicle, you are only going to have two tires chained up, which axle should be chained up should be determined by the owner’s manual of your vehicle. If you’re not feeling comfortable with chaining up only 2 tires on your AWD vehicle, get all tires chained up will be the choice.

Under normal driving conditions, all wheels of a vehicle will have about the same amount of traction, making you feel normal when asserting brake, acceleration and cornering. When driving under snow or ice conditions this balance will be distorted. If only front tires get chained up, you will find the rear tires will swing when braking and driving. If only the rear tires have the car snow chains on, the steering ability of the vehicle is limited. To balance the force, the vehicle should be completely equipped with snow chains. Remember that traction devices are sold in pairs, if you want to cover both axles on the vehicle, two pairs will be required. Remember there are truck tire chain and car tire chain , the car tire chains are smaller in size and cheaper on price than truck tire chains.

Technorati Tags: , , , ,