Even If You Want The Minimum Amount Of Auto Insurance, Liability Auto Insurance May Not Be Enough

If you want to have the absolute minimum auto insurance you can, then in most states you will be required to hold liability auto insurance. This type of auto insurance doesn’t really help you at all if you cause an accident, but it’s great for the other driver involved. This type of insurance is generally the cheapest sort you can get.

Basically, liability auto insurance doesn’t cover your own vehicle at all if you cause an accident. If your vehicle is damaged or destroyed, you won’t receive any assistance from your insurance company to repair or replace your car. However if you damage someone else’s vehicle, they will still be covered. Their medical expenses will also be covered up to the limit of coverage you have.

Holding liability auto insurance is definitely risky. If you wreck your car in an accident, then you’re either going to have do with a vehicle or else you will need to find the money to buy another one. If, however, your car is old and not worth much, that may not bother you too much. Certainly if you could find the money to buy another car, it may be worth just holding liability auto insurance so that your insurance premiums are lower. If you’re leasing or paying for your vehicle through a finance company, you will probably find that liability auto insurance isn’t sufficient. Most of the time they will require you to have a higher level of coverage, such as comprehensive insurance and collision coverage.

The good thing about this insurance is that you’re protected no matter what sort of car you run into. So your $2,000 car might not matter too much, but that $200,000 sports car you run into could make a serious dent in your financial situation without liability auto insurance. Even so, it’s important to make sure your medical expenses are covered even if you’re at fault. If you already have personal health insurance you may be covered, so it doesn’t matter if medical expenses aren’t covered under your auto insurance.

Remember, too, that if an uninsured driver hits your car, you won’t have any insurance coverage to pay for the repairs. It’s easy to think that because you’ve driven for 10 years with no accidents that your run of good fortune will continue, but the whole point of insurance is to think about the worst-case scenario. If you’ve done that, and liability auto insurance is still the best choice, then shop around online for the best price.

Things You Need To Start Driving Lessons

Before going on your first driving lesson you need a number of things to start. These things are essential and without them you won’t be successful in starting your driving tuition.

First your provisional driving licence. No qualified instructor should take a pupil on their first lesson until they see a provisional licence, as it is an essential document you need to be road legal. It is very easy to apply for your provisional but it can take up to two weeks to arrive so make sure you send it off well in advance to starting. You will also need it for your driving theory test, and the practical test so it is an essential document to have when learning how to drive. Being prepared and knowing you need a provisional before you book your driving lessons is important and without this knowledge you will be held back from continuing.

This may be stating the obvious but you need money to start your driving lessons. If you are paying as you go for your lessons then each one you go on you must take the money for that lesson. Some companies do offer block bookings, in which case you will pay for a block of lessons in advance, which may suit some better if you don’t always have the cash with you.

You don’t need to get your own insurance or pay for fuel as this is included in the lesson price. On your driving tuition you are covered under your instructor’s insurance, therefore there is no need for you to get your own.

As well as the right physical objects you need to start your lessons, you also need certain mental attributes, such as the intention to continue. If you have no intention to continue to take driving lessons it’s a waste of your time and money starting. Pupils start with good intentions but if they are not 100% committed it is a waste of their time and money even starting.

You also need the time to be taking driving lessons. If you have a busy schedule and don’t have much spare time then it is probably better you not starting, as you will start cancelling your lessons, and again, wasting your money!

Pick a time in your life when you have at least a couple of hours a week spare guaranteed, and start then.

This is all you need to start your driving lessons! It is a very simple process to start, you just need the right information.

The Importance of Driving Lessons for Teen Drivers

Teens view driving as a rite of passage but it is more a responsibility than an entitlement. Driving requires knowledge and skills that are not inherent to most people, particularly during the teenage years. This makes it important to learn from an authoritative source. The best way for teens to learn proper driving skills and techniques is for them to take driving lessons.

Preparation Methods for Teen Drivers

The recommended way for teens to equip themselves for time behind the wheel is to be prepared. This equates to spending time learning and mastering the rules of the road, both in writing and through practice. Though it may be easy for teens to ask their parents about driving regulations and behind-the-wheel techniques, parents do not always provide accurate information or model desired behavior.

Teens are much better prepared for roadway experiences when they learn from a professional. Driving schools are staffed by individuals who know the latest regulations and have the time and patience to teach new drivers how to safely operate vehicles during different road, traffic, and weather conditions. Many parents prefer to have their teens learn from one of these experts because they know the driving instructors will provide the safest and most comprehensive instruction.

What Teen Drivers Should Expect

No teen should enter a driving school expecting things to be easy. There is much to learn and practice and driving instructors take their work seriously. They make teens practice new skills repeatedly to ensure these are mastered. Most instructors take an incremental approach to learning, building upon each skill learned previously so teens eventually exhibit all of the behaviors required for safe driving practices.

At a good driving school, the instructors provide feedback that is honest, yet constructive. They tell a student what he or she did wrong and provide instructions for improvement. Then, they have the student practice the proper technique until it becomes automatic and error-free. Repeated, hands-on practice behind the wheel of a car is the best way to learn how to drive.

Parents of teens who are eager to hit the road should enroll their children in driving school. By leaving instruction in the hands of the professionals, parents ensure that their teens receive the best driver education available. A price cannot be placed on learning good driving skills at a young age because you never get a second chance to avoid an automobile accident.

Barefoot Driving: Why Many People Think It’s Illegal

Did you ever wonder if it were legal for you to kick off your shoes before getting behind the wheel? This is a question that tends to come up every year as the weather gets warmer. There are many reasons people might drive barefoot:

  • In some coastal states, motorists often drive barefoot after leaving the beach.
  • Some motorists claim driving without shoes helps them respond faster.
  • Many people do not like footwear and prefer to be barefoot.

Driving barefoot is legal in virtually all jurisdictions across the United States. It’s hard to say where the urban legend that barefoot driving is illegal got started. One possible culprit is sites where users who may not be familiar with the law can post responses to others’ questions.

Whatever the case, barefoot driving is a bugbear law enforcement agencies are aware of. In 2006, some states clarified their official positions on barefoot driving by stating it “would be a stretch” to consider it careless or reckless and falls under the category of an urban legend.

Is Operating a Car While Barefoot Dangerous?

Though the reasons for drivers operating a motor vehicle without shoes may be valid, it’s best to avoid barefoot driving. Although leisurely activity is legal, law enforcement agencies have cautioned motorists to avoid it. Several states law enforcement officers have come out against barefoot driving. Driving barefoot can be dangerous for the following reasons:

  • Many people find it more challenging to depress the brake pedal while barefoot.
  • Bare feet may be slippery or otherwise prone to poor traction on the pedals.
  • Pedals can become hot in warm climates and difficult to operate barefoot.

Barefoot Driving Can Contribute to Reckless Driving

Barefoot driving isn’t prohibited by Florida statute, but it can worsen a driver’s legal woes if it contributes to an accident. Reckless driving is defined in Florida Statute 316.192, which gives law enforcement officers wide latitude to determine when a motorist’s driving made an accident worse or more likely. Being barefoot can definitely impair your driving in an emergency, so it’s best to avoid it.

What to Wear to Make Driving Safer

When operating a vehicle, footwear should be sturdy and offer complete coverage of both feet. You might sometimes find yourself in situations where your footwear makes it more difficult to drive:

  • High heels can sometimes become jammed under the brake or accelerator in an emergency.
  • Sandals and “flip-flops” do not provide the same level of traction as other types of shoes.

If you believe that your day-to-day footwear might impair your ability to drive, it’s always best to bring a pair of sneakers or other comfortable shoes to change into before driving. Remember, you are responsible for doing everything you can to prevent accidents!

How to Practice Driving With Your Teen

Teaching your teen to drive can be a scary thing. After all, the only way you can control the car is to use your voice and rely on an inexperienced driver, who has never had to operate a three thousand pound machine before. You will find yourself over and over wanting to hit what driving experts call an “air brake”. And practicing in live traffic will be even more mentally taxing, for you and your teen. This article intends to provide tips and ideas to help you teach your teen. Remember that your teen is a person, and in order for people to succeed they need to be taught to, not dictated.

Practice is the Key, Expertise is the Lock

Practice, practice, practice, and after you are done practicing, practice some more. Surveys revealed that less than 20% of parents in California spend 50 or more teaching their kid to drive.

Fifty hours is the bare minimum, in addition to any traditional in-class or online driving school.

One method I would recommend is practicing in an empty parking lot. Preferably at grocery store such as Sam’s Club or Target, that way you could use baskets as if they were parked cars.

The best time to practice is hours before they open or hours after they closed. That way you can practice without having to worry any interruptions from other vehicles. As your child becomes more experienced and comfortable behind the wheel, have them practice during business hours when that parking lot is busy. This will ease them into driving in real live traffic.

Be Thorough

You should practice with your teen in many different conditions. Many parents make the mistake of teaching their child to drive under one condition; perfect conditions.

Practice with your kid in the early morning, practice with them at night. Practice with them in the rain, sleet and snow. Practice with them while it’s raining at night or snowing in the morning.

If you are in southern California (or anywhere else), where it’s always sunny, don’t worry about it. Just teach them how to drive like you normally would.

Preach the Importance of a Good Driving Mentality

It’s common for parents to be anxious and excited when teaching their child how to drive. But in doing so it makes your teen a bit uneasy. Be sure to inform your teen about texting/talking/driving while driving. Explain why it is also important to have a level head, and not experience road rage.

Experts say that the biggest concern with teen driver is their mentality. So it is essential that devote time to talking about this side of driving.

After you have devoted hours of practice time, it will be time to have them take formal driving classes. You have the choice of traditional driving school or online driving school.

What Makes a Driving School Good?

Owning a car is no longer a luxury, but a necessity in modern living. More and more people are turning to the amazing convenience of having a car because it makes movement swift and flexible. But this also creates a need to get driving lessons. There are so many traffic rules and guidelines every driver must be aware of and you definitely also need to understand car basics before you go behind the wheel. Driving schools offer driving lessons to prepare every driver for the road and you should make sure you get a school you can trust to offer you quality driving training to keep you safe and confident on the roads. So what then makes a good driving school?

Qualified and competitive instructors – Does the school have approved driving instructors? If yes, what is the pass rate of the instructor that will be handling your lessons? Fact is you can only be a professional when you are trained by a professional and you therefore cannot ignore how qualified your instructor is. Driving lessons are in the form of theory and practical and they are both very important and should be handled by qualified instructors. Find out the experience your instructor has or whether he is a trainee instructor improving his experience when checking out a potential driving school.

Tailor made lessons – Even though most driving schools put a large number of students in one class, it is important that every learner gets individual attention to match with his learning pace. A school that tailor makes the driving lessons to suit your learning pace will get you better value than one that assumes all learners are moving at the same pace. The instructor should pay attention to individual needs and focus more on areas that seem to be giving you a bit of trouble so you get the best results in the end.

Flexible timings – The truth is that most people take driving lessons when they are already occupied with other areas of life such as work or school. A good driving school should offer flexible class timings to cater to the needs of the learners. Always look for a school that offers driving classes on different schedules so you are able to select a schedule that works for the time you have available.

Comprehensive lessons – Apart from having competitive and qualified instructors, a good driving school should offer driving lessons that are comprehensive. Enough time should be allocated for the theory and practical lessons so you are well-grounded in readiness for the road. Avoid schools that seem to be more inclined in ensuring that you pass exams and choose one that prides itself in imparting safe driving skills on its students.

Reasonable pricing – The pricing you get for your driving classes should match the quality of the cars the schools have, the length of your lessons and the kind of training you get. If you choose to have private lessons where it is just you and the instructor for instance, you should expect the price to be a little higher.

Learn Auto Repair Diagnostics

The inevitable and dreaded event has occurred. Your car or truck is spewing smoke. Your van just won’t start. The brakes on your SUV have started to squeal. Whatever the problem, your vehicle is no longer running like new and you are terrified of the amount of money that it might take to fix. There are a number of things you can do to arm yourself with information before heading to your local auto repair shop in order to ensure you get the best service at the best price.

When it comes to auto repair, the most terrifying thing for many drivers is the fact that they have to take the technician’s word on diagnosis and cost of repairs. Sure, you can get a second opinion, but comparing quotes often isn’t helpful if you still aren’t sure what the exact problem is in the first place.

Diagnosis is a term often used in medical circles and defines a process in which the problem is defined. From there, several options for treatment or repair may be available, but without an accurate diagnosis, any treatment is bound to fail.

As such, the first steps of auto repair involve an in-depth process that evaluates all signs and symptoms in order to learn what is wrong. For many newer vehicles, diagnosis is very easy with the computer monitors that can be hooked up to diagnostic machines and have various tests run while the car sits idle. For older vehicles, the problem is often a little more complex and as wear and tear starts to show, may even involve multiple systems within the vehicle. Whatever the route, helping to find the exact problem is the most important step in finding the cheapest and best solution.

There are a number of online question tree tools that help car owners drive down to the root of the problem before seeking auto repair services at their local garage. By taking the time to learn a little more about accurate diagnosis and troubleshooting before heading over to your local auto repair shop, you can end up saving yourself a lot of time and money in the long run.

5 Auto Repairs You Can Do Yourself

When it comes to auto repairs and an auto warranty, there are many items that need to be undertaken by a qualified mechanic, but there are also many items that a do if yourselfer can undertake. In some cases auto repairs can be easy to do, but you need to know your limits and your level of acuity when it comes to repair work. There’s nothing worse than attempting a repair only to have it cost you more money to have your mistake fixed.

Keeping your car viable and on the road for as long as you can requires routine care and maintenance to keep it running smoothly for years. Additionally, a car that’s in good repair will take you from point A to point B without having to worry about a breakdown on the side of the road. It’s also been shown in recent years that individuals are driving their cars an average of 10 years, so this means it’s even more crucial to keep it in good repair.

There are several repairs you can attempt on your own with your vehicle and they include replacing your wiper blades. Being able to see the road is obviously crucial and changing wiper blades is simply a matter of buying them, following the instructions on the package and swapping the old for the new.

Replacing bad fuses is also a do it yourself project. If you find your vehicle’s lights aren’t working or other items are out of whack, it could be a fuse issue. Locate the fuse box in the car, test the fuses and replace the blown one.

Your car’s air filter needs to be kept clean to keep your engine in good running condition. The filter is located in the engine and can be easily swapped in and out with a new one with a few turns of a screw.

If your head or tail lamps aren’t working, you should be able to install a new one on your own. You will need to be able to access the headlight assembly, remove the harness that holds the bulb in, replace the bulb, attach the wire harness and you’re good to go.

Changing the engine oil and filter is a bit more involved than the other items but some people find that with a bit of time it’s a money saver. Your owner’s manual is the best place to start as it will show you the location of the oil plug and oil filter. You will need an oil filter wrench and a socket wrench to do the task. Once you’ve removed the oil plug you will need to drain the old oil, change the filter and then refill the oil reservoir.

How to Keep From Getting Ripped Off on Auto Repairs

When you have mechanical issues with your vehicle, it’s a necessity to get it fixed because it’s your only transportation. Thousands of people get ripped off daily by scrupulous auto repair shops. Most are called ”backyard mechanics”. They’re a real shop but they are not qualified skilled mechanics.

They’re usually young guys hired by the owner to do repairs, such as changing oil, putting on tires, doing alignments, muffler, shocks and more. They don’t know what they’re doing so when you pick up your car it’s usually in the same condition or worse after driving it off the lot.

Some use inferior car parts from the junkyard charging the car owner new prices. They convince the owner the car needs more repairs than expected. It’s difficult to determine a good repair shop from a bad one unless you do your homework.

Most people report a bad company to the better business bureau, so that’s the best place to start. It will show the owner’s name, doing business as, how long they’ve been in business and any other affiliations. It’s best to check on four or five shops and see who has the best rating. Go to the shops and meet the owner in person.

Tell him what’s wrong with your car and watch him cautiously while he checks it out. If you know nothing about cars, take someone with you that does. Make sure you get everything in writing and go to three more shops. After getting four or five estimates, you should be able to determine the rip-offs.

Talk to some relatives or friends and show them the estimates for advice. Ask them if they’ve heard of them and are the prices reasonable. If you can’t get a straight answer, go to Angie’s list and sign up as a member. There is a small monthly charge. She has a list of thousands of good and bad companies from A to Z.

You will be provided all the auto repair shops in your area with a rating, how long they’ve been in business, the name, address, phone number, a description of their services and any other pertinent information. It’s much better than the BBB as these are real people who had work done by these companies and have given their comments on them and a score.

Some Auto Repair Shops Can Keep Your Boredom at Bay

If you need to get auto repair soon, you are probably not looking forward to having to stay at the shop all day while the vehicle is fixed. But some shops are aware of this and have taken steps to improve this issue. Consider some of your options that you may have, depending on the business you choose.

Some shops now offer a car for customers to borrow while their vehicle is fixed. You should find out if your local auto repair business does this. Of course, you might have to meet some requirements first, like leaving a copy of your driver’s license so that the staff can rest assured that not only do you have a valid license, but they can contact you if you do not return. Then again, you leaving your car there might be enough collateral. Note that you are most likely to be able to borrow a loaner car at a smaller shop.

Many shops find it easiest to simply give their customers a ride home when they leave their vehicle to get fixed. They then pick up customers when the car is ready. This is helpful since it means you will not have to hang out around the shop all day as your vehicle gets fixed. Of course, you may still have trouble getting to work or school if the repairs take more than a day, so be sure this option suits you best before you choose an auto repair business with this offering.

Some shops cannot afford to offer either service, but they go out of their way to make sure their waiting room is stocked with entertainment. They might have cable television, free snacks and coffee, and Internet connection so you can bring your laptop or tablet and go online. Some shops even have a few computers in their waiting room so customers can go online without having to bring their own equipment. You might consider finding out what your local auto repair business offers before you decide to spend the day there. After all, you may be able to get some work done with an Internet connection, or at least stay entertained with the television while you wait.

This is just one of the ways to choose an auto repair business to go to. However, many people forget they have options and no longer have to wait all day while reading an old magazine. If you do not want to be bored or feel like you are wasting an entire day when you get your vehicle repaired, look into these options.