Quotes for home insurance and the differences in preparation between Hurricanes and Tornados

Natural disasters are part of life, and unfortunately can hit us hard. These types of disasters span the nation coast to coast in the form of earthquakes, tornados, hurricanes, blizzards and even fire. However there are a few differences when dealing with home insurance and how these natural disasters can affect your place of residence, the amount of insurance coverage you are required to have and how you will be covered in the event of such a disaster.

Tornado and Hurricanes seem to be the majority of natural disasters that we see recently leveling houses, sweeping away neighborhoods and leaving their inhabitant without shelter. But how do these types of disasters affect your home insurance bill? Not surprisingly, they are very different.

Tornados

It is likely that you have either felt the effects of a tornado, seen images of one on TV or have actually lived through one if you are living in the Midwest region of the United States. Residential areas that are affected by tornados on a recurring timeline often are required or suggested to have increased coverage for tornado damage on their home insurance plans. Because there are areas that are clearly mapped, such as the infamous "tornado alley", which spans from Montana, south and southeast through Texas, these areas are likely to have a mandatory clause in the insurance plans that require additional coverage in the event of a tornado. When tornadoes strike, they are unforgiving and can level a house within seconds. This means that all of your possessions, the entire structure of the home and the lives of you and your family are at risk. Without proper home insurance quotes, you are likely to be in financial straits if a tornado were ever to hit your neighborhood.

Hurricanes

Hurricanes are a devastating natural disaster that can often take many years to recover from as we have seen over the last few years. The question is, what is it that makes a hurricane so bad for the area that it affects. One major factor about hurricanes that differ from a Tornado is the water. Water wreaks havoc on homes causing irreversible damages, producing health deteriorating mold and leaving homes inhabitable. When water becomes at a level where it enters your home and consumes your house, there is no way to salvage items, as it may be the case in a tornado. With home insurance quotes, you may be required to have additional coverage or hurricane coverage if you are residing in areas along the coast, and where storms are likely to hit. One other factor that will have a large impact on the home insurance quote is the flood zone. Flood zones are designed to determine is your residence is within an area that is likely to flood in the event of a major storm, such as a hurricane. If you are in a flood zone you can expect to have an increase in home insurance to cover damages.

It is a good idea to review your home insurance quote with your licensed agent to see if you are in need of additional coverage for your residence. There is no worse scenario to be without the proper insurance once a natural disaster hits.

Car insurance when it comes to covering natural disasters

It's surprising how quick people tend to forget about natural disasters after they've occurred. As soon as the consequences are eliminated it seems like things get back to normal and the disaster won't happen ever again. It's even more surprising to see such an attitude in people who live in areas where natural calamities are a common or even a periodic event. There's a feel of carelessness in their attitude when they don't take the hard lessons seriously and don't get prepared for the coming disaster seriously. One of the most common examples of such careless behavior is not insuring one's car against natural disasters. Of course, there are more important things that usually have to be covered such as house or health. Nevertheless, a car is the primary means of transportation in this country and it can be very hard to overcome the consequences of a serious storm, flood, earthquake or tornado without working set of wheels. So how do you protect your car against the damage caused by a natural disaster?

Comprehensive coverage is the most useful thing in car insurance when it comes to dealing with types of damage that aren't caused by a direct collision with a vehicle or someone's property. Typically, comprehensive coverage deals with the damage caused by windstorms, explosions, riots, vandalism, theft, falling trees and other things that cannot be classified as traffic situations. In most cases comprehensive coverage is enough to pay for a totaled car after a serious natural calamity. However, you first have to make sure that the type of damage that was inflicted to your car doesn't make part of the exclusions section. Unfortunately, this happens too often, especially in places where particular disasters are more common.

For example, the insurance companies operating in the infamous Tornado Alley will usually exclude any type of tornado-related damage from the comprehensive policy and will require the customer to purchase a weaver for additional money. Some of you may think that it's a pure rip-off, but you have to look at the situation from the insurer's point of view. Why would they include a particular type of damage into a standard policy if it has nearly a 100% occurrence rate over a short period of time? After all, hundreds and thousands of tornadoes take place each year in the region, causing millions of dollars in losses, and it's the insurer who pays the most in the end. So it's hard to blame them for wanting to earn money in a situation when they are dealing with huge losses on a regular basis.

The example of Tornado Alley can be extrapolated on other regions too. Areas with common floods, earthquakes or windstorms are places where you will certainly face inconvenient exclusions when it comes to car insurance coverage. But is it actually cheaper to avoid purchasing any weavers? Certainly not, as you may end up with your car being totaled and the company not paying you anything because the case made it to the exclusions. Sure, it's not the best way to get cheap car insurance but at least you will keep your car properly insured for all situations. And it's never too late to compare car insurance quotes to see if other companies have something more affordable to offer.

Avoid distractions and get lower quotes for auto insurance

If you've been driving for a while or even if you haven't you probably know that the best way to get low auto insurance quotes is to keep a clean driving record. Unfortunately, that's easier said then done. We all mistakes, and even the most experienced drivers can get into an accident due to a brief lapse in judgement.

One of the biggest causes of automobile accidents is distracted driving. Here are some tips to help you stay focused on the road, and keep your driving record clean.

Leave your phone alone. Texting and driving had been getting a bad rap recently, and it's for god reason. People who text while driving are 23 times more likely to get into an accident. It's impossible to focus on what's ahead when your eyes are looking down at a screen, which makes this a very dangerous habit. Most states have implemented laws against texting and driving, and against talking on a cell phone (unless using a handsfree device).

Avoid eating and drinking. You will be doing yourself a favour if you fill up before heading out in the morning, even if it may seen easier to grab a coffee and a donut at the nearest drive-thru. You need at least one of your hands to eat or drink, leaving you one short on the wheel. This practice also steals some of your attention away from where it belongs on the road.

Let your passenger pick the radio station. Or, at least let them turn the dial to the station you request. Likewise with the heat, volume, and any other buttons or knobs you might find yourself fiddling with. Your chance of getting into an accident skyrockets at any moment your eyes aren't on the road.

Take breaks. You should ensure that you take regular breaks of at least one break every two hours if you are driving for prolonged period of time. And, pay attention to your body. If you start to feel drowsy or catch yourself nodding off, pull over at the next available rest stop to get refreshed.

Know your route. Or if you don't, have your GPS set up before you start driving. Looking at a map or filling in details on a GPS are both common distractions. If you are lost and need to check directions, make sure you pull over first.

Be prepared. Some distractions are out of your control. An overexcited child in the backseat, for example, or an insect coming in through the window. Even billboards or other accidents can steal your attention away for a moment or two. The key is to always prepared for an unexpected surprise, and train yourself to stay calm and focused. If you do find yourself distracted, simply refocus and keep going. You can't go back in time, but you can try not to make the same mistake twice.

An accident- and ticket-free driving record will help you get the lowest auto insurance quotes available. Protect yourself by making an effort to stay focused and prepared while driving.

Maintaining tires can help reduce car insurance quotes over time

While looking for a good rate on your car insurance, make sure that you understand that regular care of your car is essential. Over time cars will begin to show wear and tear and need to be updated, but there are specific areas of the car that should be assessed more often than not. Tire care is one of these areas. When tires begin to wear they can be a direct reason as to why accidents happen as well as possibly injury to you or others, leading to higher insurance costs.

There are a few routine maintenance items that should be done regularly to know if your tires need replacing or improvements on your vehicle. If your tires are in poor condition it can result in not only damage to your alignment, but damage to the axel, undercarriage and frame of the wheels. These repairs are more costly and can affect your car insurance rate negatively.

Repair Damage or Replace

If you have a flat or leak in your tire, inspect the tire to see if there are any gashes, nails, screws or other items that have penetrated the tire and possibly the inside tube. When forging objects penetrated the out rubber only most car care shops can repair the tire and send you on your way. However, if the damage is done to the inner tube, you will need to replace the entire wheel. Another reason to replace your tire is if the tread is worn or weak. A general rule of thumb us when you place a penny in the tread of the tire, the face of the president should be covered by half. When tread wears down on tires it puts the driver at risk for reduced traction and possible blowouts. These have the potential to cause major accidents and bodily harm.

Rotation

Every few months or when you have a change in tires, you should have a tire rotation done. This is to ensure that the tires are worn evenly and not one more significantly than the other. If the tires are not properly rotated the driver runs the risk of getting more wear and tear on some of the tires, but not all. This can be costly as it will result in more tire repair and replacement. Improper tire rotation can also be the cause for poor alignment.

Alignment

When tires are replaced or repaired ensure that an alignment is done properly. Alignments are designed for the wheels to be lined up properly with the steering column. IF this is not executed it can result in improper turns, over shot or corners and possibly accidents. Filing more accident claims can be a surefire way to see your car insurance quotes skyrocket.

Proper maintenance can be sure to decrease the risk you place on yourself and others. To keep car insurance quotes at a minimum always assess the maintenance needs of your car and see a reputable mechanic to make all repairs.

Auto Insurance Quotes for New Drivers

Maybe you're a teenager, and you're ecstatic to finally be the one behind the wheel. On the other hand, maybe you're an adult who just never got around to getting a driver's license when you were young. Or maybe this is your first time owning a car. You've had a license for years and years, but you haven't used it much and don't have any driving history to back you up. In any of these scenarios, you could end up seeing very high auto insurance quotes.

It's true that inexperience makes you a high-risk driver. Unfortunately, that's unavoidable we've all been there at some point in our lives. The good news is, there are other steps you can take to keep your insurance quotes down.

Take a driver's ed class. If you take a defensive driving class, most insurance companies will give you a lower rate. Plus, the extra education will make you a better driver, which decreases your chances of getting into an accident.

Keep your mileage low. If you can, you should walk, bike, or take public transit to and from work. Not only are you helping the environment and saving on gas, but it might help you get lower auto insurance quotes. Most companies offer a low-mileage discount for people who don't use their vehicles very much. If going by foot or public transit isn't an option, see if there's anyone else in your office willing to carpool. That might be enough to decrease your monthly payment.

Check for discounts. Are you a student? Many companies will offer a discount for a high GPA. Affiliated with a fraternity? That might help, too. Different companies offer discounts for a wide variety of reasons, so see what options are around. You might qualify for something surprising and save some money.

Keep clean. This might not help in the short-term, but after a year or two a clean driving record will help you lower the cost of insurance. That means don't get into an accident, and don't get a ticket.

Get a high deductible. This is definitely a give-and-take scenario. By choosing a policy with a high deductible, you will save money on your monthly payments. On the other hand, if you do get into an accident, that means you'll be out-of-pocket for a bigger portion of the bill. And remember, this is true even if the accident isn't your fault. No matter how careful a driver you are, there is still a risk involved.

Shop around. Don't just take the first offer you get; shop around, and get auto insurance quotes from as many companies as you can. The more quotes you see, the more likely you are to find a great deal.

Car Safety Features Such As Airbags, ABS, ESC and Crumple Zones Help Saving Money

When shopping around for car insurance quotes, you could end up seeing widely varying numbers. Indeed different car insurance companies can charge you significantly different amounts. However, each company has their own system that they use when coming up with a quote. One might place more emphasis on the location of the client, for example, while another might think their credit rating is more important.

Even though different companies focus on different areas, the same basic factors are used to determine car insurance quotes. This includes the safety features in the car. Older cars are usually lacking in this department; new technology is added almost every year, making cars safer and safer. Here are some of the safety features that will help you see lower car insurance quotes.

Airbags. These days you'll see airbags in almost every new car, but that wasn't always the case. Even in the middle to late 1990's, there were still cars being produced without airbags. That means that if your car is an older model, it may be lacking this key safety feature. It's also not just the presence of airbags that makes a difference; the number and location also play a part. Some new vehicles are now being produced with up to nine airbags, but four is considered standard.

Anti-lock braking systems (ABS). This is another feature found in most new cars on the market. If you have to make a hard brake, your vehicle's ABS will keep your wheels from locking up. This makes it easier to control the car on difficult surfaces, and it lets you keep steering your car even after you slam on the brakes.

Electronic stability control (ESC). ESC works with the ABS to improve a vehicle's response to a situation. Basically, it is a computerized system that helps you keep control of the vehicle during high-speed turns, while driving on slippery surfaces, or when you suddenly need to brake or swerve. This is still quite a new technology; it didn't become mandatory in new vehicles until 2012. THis means that if your vehicle is more than a few years old, it probably does not have ESC.

Crumple zones. A crumple zone is a structural feature generally found in the front section of a vehicle. They are designed to absorb the energy of a collision, thus protecting the driver and passengers inside the car.

Buying a car with great safety features will certainly help you see lower car insurance quotes, but that's not the end of the story. Sure, it's nice to save money each month, but paying attention to the safety features when buying a car does much more than that; in the terrible case of disaster, these features can save your life.

Top 5 Safest Cars and Car Insurance

There are a number of factors that determine how expensive or how cheap your auto insurance quotes will be. This includes the value of the car you drive, the expected maintenance cost, the cost of parts replacement if needed, the security features of your vehicle and how safe it is on the road. The latter is a curious thing for those who are not updated with the latest car safety features around. Many however are baffled with these new features because, aren't mandatory wearing of seatbelts while on the road enough? While this practice along with stricter enforcement of traffic rules has helped decrease fatalities n the road, statistics still show that motor crashes is still one of the leading causes of preventable deaths in people as young as 3-years-old up to 35.

In 2010 alone, 32, 885 people in the United States died due to traffic fatalities which means according to Forbes that in every 16 minutes, there is one motor accident in US roads. Although 2010's record has the lowest number of fatalities since the year 1949, these numbers are still alarming. This is where modern car safety features come in. Here are the safest cars on the road today:

Audi A6

The recently redesigned German sedan is not only as good looking as other Audi models but also offers comfort of the highest quality, great performance and more importantly, a number of high tech car safety features. These include blind spot monitoring, avoidance, lane departure, and night vision systems among other things. This car is by far the safest car around and definitely a great choice if you want to get relatively cheaper car insurance quotes.

BMW 5 Series

This sporty car is one of the safest cars on the road. It has high tech safety features like that of the Audi A6 and also has adaptive headlamps.

Infiniti EX 35

Getting cheap car insurance quotes for this 5-passenger vehicle offers blind spot monitoring, top view video monitoring and a wealth of other high tech safety features. The Infiniti EX 35 is also in Forbes' list of the safest cars for 2012.

Infiniti M37/M56

Another Infiniti car has made it to the list and this time it's their flagship sedan. Aside from its curvaceous good looks, this Infiniti model also has lane departure intervention, collision and blind spot monitoring systems among other safety features insurance companies look for when giving affordable car insurance quotes.

Mercedes Benz E-Class

Offering a full menu of safety gear, the E-Class has attention assist monitors that enable the car to determine if you are getting sleepy and alerts you when you do. This is a safety feature that has saved a lot of lives and a feature that one would definitely want to have in their cars.

 
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