Stacking the Odds in the Favour of Young Drivers

young driversYoung drivers are facing bad odds when it comes to staying safe on the road.  They are the demographic group of drivers most likely to be in an accident and for that accident to involve a fatality or a serious injury.  While the odds may be against them statistically there are tools and decisions to be made that can stack the odds in their favour.

Parents can make a major difference in the safety of their young driver by setting a good example and driving safely themselves.  Young drivers were once just passengers in the back seat of the parent’s car.  Children watch and repeat the behaviours they see from their parents.  By driving safely and avoiding distracted behaviours and unsafe driving practices, parents can set young drivers up for success.

Choosing telematics car insurance is a tool to help keep young drivers safer since it serves as a constant reminder to drive safely.  The product uses a GPS unit to monitor the driver’s habits behind the wheel.  Driving data collected is reviewed by the car insurance provider for risk assessment and premium costing.  Safe driving could offer the possibility for discounted rewards on premiums.  Some policies offer parental alerts when unsafe driving events occur such as speeding or hard braking.  While the product can’t guarantee a young driver will drive safer it could serve as a safety reminder while offering quality coverage at an affordable rate.

Safety experts suggest parents choose the car with the most safety features for their young driver.  While it is true that young drivers often get the “hand me down” family car or a used car for their first car, it should not negate the need to look for as many safety features as possible.  Enclosing the young driver in the safest car available could make the difference should an accident occur.

Setting rules with young drivers is another essential tool to keeping them safe on the road.  Studies have shown that the presence of a peer aged passenger in the car with a young driver increases the likelihood of an accident.  The more peer aged passengers present in the car the higher the odds become of there being a serious accident.  By limiting the number of passengers in a car with a young driver, parents are setting safety standards that could make all the difference.

Drivers to Encounter Speeder Catching Cameras on Major Roads

catching speedersDrivers speeding may be facing a fine each and every time they break the speed limit.  Motorway speed cameras work 24/7 and catch each and every speeder which is why they are installed or so say those looking to push safe driving speeds.  There are critics that see the cameras as less of a tool to keep roads safer but as an opportunity for raising money to fund budgets.

The new cameras meant to catch speeding drivers passing the 70 mph limit are meant to be stealth cameras as they will be a blending grey color rather than bright yellow as older speed cameras are colored.  They will be installed on major important roadways such as the M1 and M6.  Rather than looking to control speed better in construction areas, these cameras will be set to look for speeders on high volume roads.

One opposition group, Alliance of British Drivers (ABD), believes the cameras will have little to no impact on keeping drivers from speeding.

Roger Lawson, ABD spokesperson, said, “We are opposed to speed cameras in general. The evidence of their success in promoting safety is not good and in reality what is happening now is that the police are using speed cameras to fund their other activities through speed awareness courses.

“If these cameras are grey rather than yellow they are going to be harder to spot and so will have no impact in slowing traffic down. If there is a good reason for the traffic to be slowed down then the cameras need to be as visible as possible.”

There are those that oppose the cameras due to cost but in most studies the cameras pay for themselves quickly with revenue from fines.

A Highways Agency spokesperson said “These are not stealth cameras they are more visible that they were before. These motorways are not about speed limits. They are about smoothing the traffic flows and increasing capacity.

“The onus is on the driver to abide by the speed limit.”

Telematics Car Insurance Simplifies Car Cover for Good

telematics car insuranceDriving a car on UK roadways carries with it many privileges, but those privileges do not come without a cost.  Obtaining a driver licence carries a cost, as well as driver training.  But there is another cost which is attached to driving.  It is the cost of car insurance.  Many drivers consider obtaining cover to be difficult and cumbersome.  There is now a product available which changes the industry and therefore many driver opinions forever.  It is known as telematics pay as you drive car insurance.

Telematics car insurance simplifies the car insurance process for good.  It is changing the industry like nothing ever has.  It is the first car insurance which helps drivers by offering them a scheme to help them save money each month.

Telematics car insurance comes with a scheme based on safe driving.  This scheme is unique due to it being based on earning rewards as you drive.  A special piece of hardware is installed in the insured car which monitors driving habits.  These habits are monitored so drivers are able to prove they can handle their car with safety in mind.

Habits like acceleration, braking and cornering are monitored as well as others.  Car cover is now simpler than ever.  A driver simply needs to drive a car with safety in mind in order to take advantage of valuable rewards offered by insurers.

As insurers see drivers handle cars with safety in mind, those drivers are presented with valuable rewards in the form of discounts applied to future monthly car insurance costs.

Telematics car insurance has made car cover simple like never before.  It can be purchased online at any time.

Telematics Car Insurance Makes Case for Safety

young drivers face cost of drivingSafely handling of a car has never been a focal point of car insurers.  They constantly want to keep the amount of claims down, but have never offered a scheme to help drivers accomplish this.  Now however, a new type of car insurance is making the case for safety and the car insurance industry will never be the same.  The latest car insurance product to make waves across the country is known as telematics car insurance.

Telematics pay as you drive car insurance is attracting attention for very specific reasons.  It is enabling drivers to potentially save money based simply on drivers handling their car with safety.  A driver only needs to drive with safety in mind in order to save money.

This is unchartered territory for car insurance.  It is the first time a car insurance product is offering a scheme to aid drivers in saving money.  With telematics car insurance, drivers have a method to proving they are handling their car with safety.  This is done with a small device which is installed in the insured car on or near the dashboard.

The small device monitors driving habits like braking, cornering and acceleration.  Other habits are monitored as well, but these three are quite important to making the case for a driver handling the car with safety.

When the insurer sees the driver handling the car with safety, that driver becomes eligible to receive rewards in the form of discounts applied to future monthly car insurance costs.

The case for safe driving has never been stronger.  Telematics car insurance is making this possible and is easily obtainable online at any time.

Car Color Can Reveal Your Personality

car color equals personality typeWhile young drivers often inherit the older family car and have less influence on the style, color or model of the car they drive, the same cannot be said of the original buyer.  According to a study by the former DuPont Company, now Axalta, the color preference of a car can tell a lot about the buyer.  Axalta Coating Systems is a global car coating business located in car manufacturing city Detroit so they know a lot about color preferences for cars of all types.

The Axalta Automotive Color Popularity Report for 2013 suggested that the type of car chosen by a driver such as a sporty car or a luxury sedan would likely be colored differently.  Sporty cars are more often colorful and meant to stand out such as bright yellow or red while expensive sedans are usually looking to be less flashy and more conservative in popular white or black tones.

White cars are often popular choices for people where the weather is hot.  So color could also divulge where the driver lives as much as their personality type.  White is also seen as a youthful and contemporary color that is seen as a fresh brand color.  Black is seen as a luxury color that evokes a flare of sophistication.  It is a classic color that is considered a popular color by conservative drivers.

Silver is another popular car color and is considered a neutral and modern color that is often chosen by ambitious personalities.  Red is a popular color and with men is seen as powerful while women view the color as fun.  It is definitely a color that is calling for the attention from others.  Blue comes in a wide variety of tones and depending on the particular blue chosen can indicate security and serenity or a bold confidence.

Brown and tans are popular with those that are reserved while yellow is a popular choice for outgoing young drivers.  Green comes in darker hues to light and can indicate conservative choices or a tendency toward environmentalism.

Of course most often there is more to the choice of the car than just the color but there is some truth to choice of color being indicative as to the driver’s current mood, confidence, place of residence and age.  The same can be said of fashion choices, color choice of smartphone and backpacks.  It is likely more important in this day and age whether the car gets good fuel mileage and has a reputation for safety and longevity on the road than whether it comes in bright red or subdued gray.

Drivers May Face Smoking Ban if Children are Passengers

ban on smoking with child in carDrivers may soon be forbidden to smoke in their personal cars as David Cameron is said to be considering the restriction.  The ban would be specific to those cars with children as passengers.  Possible fines would range in the area of £60 for a driver or adult in a car that smoked with children present.

Should the vote for the new restriction fail to pass then it is expected it would be included in the manifesto of the Labour party for their next election.

Smoking in workplaces and public areas has been restricted in England since 2007.  The savings in health care dollars is suspected to be in the millions of pounds as people have been able to avoid breathing in second-hand smoke from those that choose to smoke despite health warnings.

The ban against smoking in a car when children are passengers would not be trend setting as a new consideration to further cut back those exposed to second hand smoke.  Such a ban is already in place in many areas of America, Australia, and several European countries.

Andy Burnham, Shadow Health Secretary, made a comment to Sky News in an interview saying, “When it comes to improving the health of children, we are duty bound to consider any measure that might make a difference.

“Adults are free to make their own choices but that often does not apply to children and that’s why society has an obligation to protect them from preventable harm.”

Experts have revealed that smoking in a car is much more harmful to a child than smoking in the home due to the close quarters.  The toxic concentrations of the smoking are hard to avoid within a car and children do not usually have the means to escape the toxic air and choose to avoid it by opening a window or exiting the car.

Pro-smoking advocates feel that the ban is unnecessary.  They are also afraid of how far the ban on smoking could reach and perhaps someday be targeted to restrict smokers from inhaling their cigarettes, cigars and pipes within their own homes.

In a poll conducted by YouGov in 2011 it was found that 78% of adults in Great Britain felt smoking in a car with young children should be banned, while 44% felt the ban should be extended to all cars whether children are present as passengers or not.

Don’t Fear the Car Insurance Policy Switch Embrace It

young driverDrivers often have a mental as well as emotional block when it comes to consideration of a car insurance policy switch.  However, that block could be costing them money.  It is a common behaviour to exhibit loyalty to certain products and services, but when the same can be found elsewhere at a more affordable cost of equal quality if not better, then why not switch?

Car insurance experts suggest that renewal time be a key point in time in which a driver should consider a switch.  Renewals often are accompanied by an increase in the premiums and therefore shopping around could offer an opportunity for saving money.  Due to the fact that average car insurance policy costs have fallen in the last year, those paying at last year’s rates or even the year before, could find that rates offered now are much cheaper.

Telematics car insurance is a good place to start if the driver is a safe driver.  Most telematics car insurance providers offer discounts for safe driving habits.  There are others that offer substantial savings for low mileage.  Shopping through the telematics policy offerings will help a driver discover the best choice for their coverage needs.

Online shopping for car insurance is simple as it can be done any time of day at the convenience of the driver.  Quotes can be requested, comparisons easily done and a policy quickly purchased online.  Drivers can choose to have the policy start at their preferred date and they can print required paperwork on their own printer or allow paperwork to remain stored online.

Those interested in saving money with telematics car insurance can also purchase online as they are offered a grace period to allow the professional installation of the associated GPS unit used for data collection with the insurance product.  The provider will usually coordinate with a professional installer to do the installation at the driver’s workplace or home.

Shopping online for car insurance is so simplified and quick that drivers should not fear the process of making a switch.  Loyalty should be shed as a new policy could offer savings and perhaps a new policy that better matches the driver’s current coverage needs.  Don’t fear a car insurance policy switch but rather embrace it and perhaps benefit greatly by doing so.