Cheap Car Insurance: Factors that Affect Your Car Insurance Rates
by: Rob Sliver
When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.
While you can?t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.
Factors you CAN?T change that impact your auto insurance rates:
Your age
Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.
Gender
Whether it?s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.
Marital Status
Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.
Factors you CAN change that impact your auto insurance rates:
Geography
Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.
Driving violations
Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.
Your vehicle
If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.
Accident claims
While you can?t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.
Credit rating
That?s right ? many insurance companies view having a poor, or even no credit history as suggestive of higher risk.
Occupation
A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!
Other factors that go into determining premiums:
- Miles driven per year
- Distance to work
- Occupation
- Years of driving experience
- Business use of the vehicle
- Whether or not you currently have auto insurance
- Theft protection devices (often results in discounts)
- Multiple cars and drivers (another opportunity for discounts)
Overwhelmed?
It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.
Please note that this description/explanation is intended only as a guideline.
For more information about auto insurance please go to: Insurance.com
About The Author
Rob Sliver
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Five Reasons To Do Wireless Networking
Five Reasons To Do Wireless Networking
by: Guy Ames
I believe that wireless networks represent one of the most significant inventions in human history ? almost as important as sliced bread.
Now, seriously, bread is certainly easy enough to cut yourself, but try to wire up a network and you will think of this invention in a different way.
Just to make the whole picture clearer for you, let me give you five reasons why using a wireless network is definitely worth it.
Sharing Web Access
With wireless networking, you can easily and cheaply share one single Internet connection among different computers, without having to use more modems. If that wasn?t enough, you can even include new computers in your network only by using a wireless card and switching them on to have an immediate Internet connection! Not many wired networks would be able to do that.
Sharing Printers and Files
A wireless network guarantees access...
Five Reasons To Do Wireless Networking
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The Hidden Cost Of Cheap Hosting
The Hidden Cost Of Cheap Hosting
by: Sanjib Ahmad
We often see server uptime statistics when looking for hosting providers, for example 99.8%, 99%, or 99.99% server uptime guaranteed. Though 99% server uptime may sound good, but is it really and what does it mean?
99% server uptime means that in a year of 365 days, your server will be up 99% of the time, which is 361.35 days (365 days x 99%). This is not really good, because even with 99% uptime your site could be down for 4 days. It would be disastrous if you owned an online store because even an hour's downtime would cost you. Imagine, not only lost revenues, but also customers who switched to your competitors while your site was down.
Here are some server uptime examples with calculations showing what various percentages mean.
100% server uptime
Up = 365 days
Down = 0 days = 0 hours = 0 minutes
99.999% server uptime
Up = 364.9964 days
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