Roadside Assistance Program

As the economy declines, more motorists are trying to save money by abandoning their car insurance.

According to the Insurance Research Council, the uninsured rate and the unemployment rate are directly correlated.  When unemployment increases 1%, uninsured drivers increase a half-percent.  As of November, unemployment was up 2% since last year.

In a study that is coming out next month, the council claims there have been several hundred thousand drivers that have let their insurance lapse, or dropped it in the last year.

What this means is that your odds of getting hit by a driver that is uninsured have gone up drastically, and usually people who are uninsured don’t have very many assets if you plan to sue for damages.

For people who have the funds, coverage for being hit by underinsured or uninsured drivers has become a necessary protection even though it raises your premium 7% to 9%.  And, you don’t want to let your insurance lapse because you will be charged a 25% to 50% surcharge for a new policy.  Also, drivers should protect themselves with a roadside assistance program.

Drivers who are fuel-conscious now have a new innovative way to calculate their vehicle’s mileage and compare their mileage to other drivers’.  Also, motorists will be able to devise ways that they can improve their own fuel-economy.

A new website, called fuelly.com, allows you to put your car in their system by entering details about your car.  For example, by imputing your vehicle’s year, and make and model, they will track your gas mileage, gas expenditures, how your car compares to estimates by the EPA, and also how much you could save by using different ways to improve your gas mileage.

One helpful feature is that you are able to see how your vehicle compares to vehicles that are identical.  Then, if your gas mileage is significantly worse it will tell you some things.  For example, maybe you have poor driving habits when it comes to burning gas, or maybe your tires aren’t inflated like they should be, or it’s time to replace your air filter.  Whatever it may be, fuelly.com could be a valuable warning system.  In addition, if you own a mobile device, you can update the website remotely.

We all dread paying the high fuel costs, even to the point where we run out of gas and have to call for roadside assistance.  However, by using fuelly.com, you can now improve your fuel-efficiency by being aware of your poor driving habits.

Teens are known for making driving mistakes, which unfortunately can result in car accidents. This leaves parents feeling anxious, not knowing if their teen driver is safe. There are numerous devices out there that allow parents to track their teenage drivers.  However, now parents can track their teen right from their own keychain.

Many technologies out there monitor the speed and location of your teenage driver, and some even videotape who’s riding in the car.  However, now there is a Canadian company that is offering a new device called the Lemur Autovision keychain.  For the low price of $99.95, parents are able to track the maximum speed that their teen is driving, as well as excessive braking and distance traveled.  Essentially all that it requires is the installation of a non-GPS based sensor box and the monitor keychain.  This system doesn’t invade a teen’s privacy, but allow parents to discipline children for speeding.  And the best part is that it is tamper proof and protected by a PIN, which lets parents know if there have been attempts to fool the system.

Parents need to take extra precautions to keep their teen drivers safe, which includes purchasing a roadside assistance program, monitoring teen driving, and setting strict guidelines.  You can never be too careful when it comes to your children.

The National Association of Insurance Commissioners recently performed a study to determine what the best and worst states are in the country for auto insurance.  According to the study, you are paying the highest insurance premiums if you live in the Northeast.

New Jersey proved to be the most expensive state.  On average, premiums in New Jersey are over $1,300 yearly.  The capital of our nation, Washington D.C. was the second highest, with average yearly premiums of $1,185.  New York was third highest with $1,110 being the average premium.

Revealed in the study was that urban driving, high salaries, and a lot of traffic are responsible for elevated costs in those states.  In addition, liability insurance premium costs are higher in the Northeast.

Midwestern and Northern states proved to have the lowest insurance premium costs.  The overall lowest was Idaho with costs at $530 per year.  The next lowest was Maine at $560 a year, and North Dakota was $570 per year.

According to this study, your location is a key factor in determining your car insurance costs.  Today, consumers are paying more than they ever have for their vehicles.  These costs include insurance, roadside assistance, and maintenance costs.

Recently, a CEO of Gulf Oil said that a barrel of oil could cost as low as $20, and gas prices could bottom out at $1 per gallon by early 2009.  Currently, gas is at $1.77 per gallon nationwide, according to AAA.

This information, coming from an insider in oil, is mind-boggling when you consider that just six months ago gas was at an all-time high of $4.11 per gallon and people were calling for roadside assistance because they avoided filling up their tanks and ran out of gas.

While many people in the media claim that low gas prices are the silver lining in what one could call an economy that is dismal, it’s in reality the canary in the coalmine, which foretells deflation and a severe recession.

However, in the real world, this may mean simply that the fuel bill won’t be a pressing matter over the next several months, while many people are concerned about housing and jobs.

People become irrational about their cars.  They treat them as if they are their babies and give them affectionate wash and wax jobs on the weekends.  Some drivers even talk to their vehicles and give them a pat here and there.  But as much as our cars mean to us, we don’t need to waste money on them.  Here are some common ways that drivers waste money on their cars.

First of all, buying premium fuel over regular isn’t necessary.  Purchase the cheapest gas possible that keeps your engine from knocking.  Octane serves the purpose of preventing knock, so if your car doesn’t knock with regular gasoline you’re fine.

Usually, auto manufacturers recommend that you change your oil every 5,000-7,000 miles.  Many motorists assume that they should get their oil changed every 3,000 miles, however, this should be done only if you put a lot of wear and tear on your car.

Also, having auto repairs done at a dealership will cost you.  Instead, find a reliable independent shop to do the job for less money.  However, don’t avoid signing up for a roadside assistance program in the case of an unfortunate breakdown.

Following these simple tips can save you lots of money.  Don’t allow other people to talk you into paying expenses for your vehicle that are unnecessary.

It seems that Toyota is trying to challenge Volvo for its coveted safety reputation: It’s designed a new supplemental restraint system.  Being called a world-first, the rear window airbag is intended to work together with the head restraints to better protect the heads of passengers in the event of a rear collision.

This new safety system deploys in the same way that side curtain airbags do, from the lining of the roof.  Toyota has planned to put this new innovation immediately into production in the iQ micro-car.  According to Toyota, the airbags will almost double head protection for rear passengers.  That is necessary too, because the backseats of the iQ sit right up against the glass and rear hatch.

While at the moment there aren’t any official plans to bring the iQ micro-car to the U.S., Toyota would love to do so if they can make a case for it, and also if the iQ would be able to pass American safety standards.

Toyota is smart to up their safety standards, since consumers are becoming more and more concerned with vehicle safety.  In addition, motorists are attempting to protect themselves by maintaining their vehicles and signing up for roadside assistance programs. Road service programs bring drivers peace of mind and protect them in the case of an emergency.

Carmakers around the world are realizing that consumers are looking for ecologically friendly vehicles.  There are many new car models that provide fuel-efficiency, yet look great.  Here are some of the latest.

The VW Golf TDI Hybrid provides low emissions with longer legs.  This is a compact hatchback that is popular in Europe.  It utilizes a high-tech engine that is diesel and an auto start-stop.  In addition, it has a DSG gearbox that has 7 speeds, as well as an electric motor.  This car gets 69 mpg.

The Audi TT TDI is proof that a great looking sports car doesn’t have to be a gas-guzzler.  This car can sprint from 0-62 mph in 7.5 seconds flat with its 170 hp and 258 lb-ft of torque.  This car has the power of a sports car with the fuel-efficiency of a compact car.

People are realizing that fuel-efficient cars are a necessity.  Consumers are protecting their wallets with eco friendly vehicles and emergency roadside assistance programs.

The unbelievable has happened: Gas prices have fallen below $2 a gallon, hitting $1.989.  So, what does this mean for America?  The SUV market will pick up?  Carmakers will stop plug-in hybrid technology?  No, absolutely not.

But, are gas prices at this ultra-low a good thing?  Actually, probably not.  Of course, this past summer when people were struggling to fill up their tanks because of high gas prices, they would have welcomed these low prices.  In fact, roadside assistance calls were at an all time high because people were avoiding fill-ups and running out of gas.

It’s obvious that with the economic crisis we’re experiencing high gas prices would be disastrous.  However, the reason gas prices have dropped so low is largely due to the economic crisis that has caused demand to be lowered so dramatically.

Recently, President-elect Barack Obama got it right in his “60 Minutes” interview, when he said, “”This has been our pattern: We go from shock to trance. You know, oil prices go up; gas prices at the pump go up, everybody goes into a flurry of activity. And then the prices go back down and suddenly we act like it’s not important, and we start, you know, filling up our SUVs again.”

One thing is for sure, the shock will return and people will once again have to call for emergency roadside assistance when they run out of gas.  The only question is when it will be back.

High new car prices and never ending waiting lists for small fuel-efficient cars like the Toyota Prius have many motorists seeking other alternatives that will allow for a significant savings at the gas pump.

Economic vehicles from the ‘90s have had a big increase in the amount of searches on websites such as Cars.com.  Vehicles like the Geo Prizm and Geo Metro have seen searches by consumers rise by over 200% in the last year.  The spiked interest in these fuel-efficient cars that are cheap has also caused their prices to go up.  For example, Geo Metros that are from the 90’s, which are valued at approximately $1,300, are being listed for over $4,000.

Despite the popularity of these older vehicles, consumers should take precautions before purchasing them.  Although people will save money on fuel, these cars will often bear more costs when it comes to reliability and safety, and have you calling for roadside assistance.  This is part of the reason that these vehicles weren’t that popular when they were introduced originally.  Automakers have made great improvements in safety features and construction that weren’t found in older vehicle models.

Older, fuel-efficient cars can be a great way to save money at the gas pump, but make sure you do your homework before purchasing them.  Also, you should protect yourself in case of breakdowns by having an auto road service program.