Auto insurance is a must if you want to drive - you never know what can happen even in a five minute drive. Here is an article by Andrew M Moyers that explains why not to neglect.
Auto Insurance - Don't Neglect The Option
When it comes to driving a vehicle, it's best not to neglect getting insurance coverage. Some people assume that they can go through life without auto insurance as it could end up costing a great deal. In reality there are plenty of companies that make insurance inexpensive and easy. By understanding some simple auto insurance basics you'll be able to move forward with life, insured with the company of your choice. This type of protection is not necessarily here because something is going to go awry, it's for the moments that you can't control when an issue arises. Being protected is a good way to ensure that your future is in good hands.
When you start to look at different policy options, you'll find that there are a lot of variables that go into how much you will have to pay for your plan. Some policies are basic and only cover the damage that might be inflicted on other vehicles. This is often seen as basic coverage, and it can definitely be a positive thing in case you were to be involved in an automobile accident that turns out to be your own fault. This might sound difficult to manage as the owner of the vehicle, but it's a requirement under state law that you meet your areas minimum liability limits.
Aside from the preceding, you can get other coverage options, some of which include damages to your vehicle, another person's vehicle, and the medical issues that might arise as a result. There are rules and regulations that you'll have to understand before you move forward, but you'll definitely be glad that you have this firmly in place in case calamity strikes. The price of the coverage once again varies widely, but it is definitely worth investigating if you are going to be driving with children, multiple passengers, or if you own a brand new car.
Premium coverage options abound when you start to unravel auto insurance company details, this is definitely worth checking out if you're going to be doing a lot of driving. Depending on your policy, you can receive roadside assistance, car rental service, towing, and many other things that most policyholders will not get. This however comes at a premium price with most companies, you'll have to consider whether or not you truly need these options. There are third party companies that you can get supplemental coverage from, but you'll definitely want to weigh this option out if you travel a great deal with your automobile.
In regards to insurance, it's very important that you read all the fine print and get the exact coverage you need. Don't skimp on the necessary components that are required in your state. Driving without this coverage can be very dangerous, if anything were to go wrong you could be responsible financially and beyond. Ask your agent or broker if you have any questions. Basic options can be less than the cost of a coffee per day.
It's no secret that half the people who take their driving test end up failing on the very first try. The reasons for them failing range from making a very dangerous error to making a series of small mistakes. Some people fail because they think they know it all when in reality they don't.
If you're getting ready to take your test soon, then the best thing you can do for yourself is PREPARE. Preparing means to study all of the written material and practice driving on a daily basis. You should be practicing with a responsible and trustworthy adult.
It will also help to know which mistakes will cause you to fail. There are so many possible mistakes a student driver can make during his or her test. Some are more serious than others.
Although the laws vary from state to state, the following mistakes will cause you to fail, no matter where you live:
· Showing signs that you are inexperienced to the point at which you put yourself, your examiner, and other drivers on the road at risk.
· Failing to cooperate with the examiner.
· Making erratic movements with the vehicle.
· Driving in a vehicle that needs repairs.
· Rolling past a stop sign or red light.
· Taking risky actions.
· Being involved in a collision.
Before you start feeling scared, you need to realize that you can prevent ALL of the above from happening if you just prepare.
As far as collisions go, you can avoid being involved in one by learning defensive driving techniques. If you stay focused, you will be able to observe the movements of the other vehicles on the road. You might be able to predict dangerous situations before they happen. This will hopefully buy you enough time to take a defensive action. Every second counts.
Talk to your driving instructor about defensive driving. Learning how to do it properly may just save your life (as well as others') someday.
As for the other reasons why people fail their driving test, it's because they make a series of mistakes such as:
· Not signally properly.
· Incorrect positioning of the vehicle.
· Forgetting to check mirrors.
· Forgetting to check blind spots.
· Not parking properly
· Going too slow or too fast.
· Jerking the wheel.
· Forgetting to put seatbelt on.
· Not checking to make sure examiner has his/her seatbelt on (they will sometimes leave it off on purpose just to see if the student driver notices).
Now you have some ideas of what you must do in order to pass. You can avoid making these mistakes if you study hard enough and practice as often as you can. Hopefully, you'll end up with a good teacher who can help you understand both your strengths and weaknesses. Know what you need to work on and keep doing it over and over until you have it down pat.
Prepare yourself for the day of the test by looking over online guides. There is no end to the resources and helpful information for student drivers online. Reading instructions on how to do certain things can really help you prepare. You will also find videos and practice tests. Check out these driving test guides if you want to get your driver's license!