Mark Ling : I like to compare auto insurance quotes online and do get good low auto insurance quotes. Are there any changes in the distracted driving regulations in USA for 2010.

Distracted driving and low auto insurance quotes :
Response : It is nice to know that you compare auto insurance quotes online and are able to obtain low auto insurance quotes. If you try here at compareautoinsurancequote411.com you will be able to get low auto insurance quotes. Yes, you are right about the new driving regulations in USA which will come into effect from Jan 1 2010. You should appreciate that the Insurance companies and the insurance institiute encourage and support the regulations since this will help in minimizing the claims.

Here are the latest news on distracted driving from the Insurance Institutute ” Illinois, Kansas, New Hampshire and Oregon will bring in the new year with new state laws aimed at cracking down on distracted driving, according to the Property Casualty Insurers Association of America (PCI).

Of the four states with stronger laws regarding cell phone use and texting that take effect Jan. 1, 2010, Oregon goes the farthest by banning the use of hand held devices and texting for all drivers. The new law in Oregon also prohibits people under age 18 from using any type of cell phone while driving.

Illinois is placing new restrictions on hand held devices and bans their use in construction and school zones.

Kansas is implementing a ban on all cell phone use and texting for young drivers who have learner’s permits and intermediate licenses.

New Hampshire is banning texting for all drivers.

“These four states are joining a growing number states and localities that are implementing or strengthening restrictions on cell phone use and texting,” said Robert Passmore, senior director of personal lines for PCI. “In 2009, 17 states implemented or strengthened cell phone and texting laws.”

The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in crashes involving a distracted or inattentive driver, and more than half a million were injured. Research also shows that the worst offenders are the youngest and least experienced drivers: men and women under 20 years of age.

As per the Insurance Institute for Highway Safety, there are statewide bans on driving while talking on a hand-held cell phone seven states (California, Connecticut, New Jersey, New York, Oregon, Utah, and Washington) and the District of Columbia.

The use of all cell phones by novice drivers is restricted in 21 states and the District of Columbia.

Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in nine states (Delaware, Indiana, Kansas, Maine, Mississippi, Missouri, Nebraska, Texas, and West Virginia)

You will agree with me that these regulations will go a long way in reducing auto accidents and hence would give you low auto insurance rates.
Happy 2010.
Kamlesh

Paul Colligan: Kamlesh, thanks for providing useful tips to me to compare auto insurance quotes and due dilgiency for renting a car. I will be going with my kids and family. Any tips on safety for children would be appreciated since my wife is very worried. Of course, me too.

Response: I am glad you liked my tips on how too compare rental auto insurance quotes It’s great that you are thinking of the vacation and are happy with the tips given for rental auto insurance quotes. It will be a pleasure to share with you the risk management and insurance tips for safety of the child, since obviously to all the safety of the child matters more than anything else. You will be suprised, but the reality is that almost 50% people do not use car seats for children but just rely on seat belts.

The changes in technology, the tariff advisory and steps taken by the auto insurance companies especially the NHTA are really helpful. The LATCH system know as Lower anchors and tethers for children has been developed with the sole objective of making it easier for parents to correctly install child safety seats in vehicles and for children to be safer. Please do not rely on the seat belt for the safety and security of your child.

Here are some things you have to keep in mind for the safety of your child when traveling in an auto:
A certified child passenger safety technician can check your installation and answer questions. To find a technician or an inspection station near you.

When children outgrow their rear-facing seats (at a minimum age 1 and at least 20 pounds) they should ride in forward-facing child safety seats, in the back seat, until they reach the upper weight or height limit of the particular seat (usually around age 4 and 40 pounds

When children outgrow their booster seats, (usually at age 8 or when they are 4’9” tall) they can use the adult seat belt in the back seat, if it fits properly (lap belt lays across the upper thighs and the shoulder belt fits across the chest)

For information on the LATCH system you can either go to NHTA. www. nhtsa.gov

Any safety measure you take ensures you low car insurance premium. You must compare auto insurance quote but not at the cost of safety.

Happy journey and safe motoring.

Obama : How far will the text messaging ban and the telephone ban help in bringing down the auto insurance premium?

Response : This is something very interesting and something only time will prove. Yes, however the statistics do say that 2 to 43 chances of accidents are likely with text messaging or phone conversation. Recently most the states accepted avoiding distracted driving – ban for cell-phones and text messaging. How effect is this? The photographs above shows Maria Shriver, Schwarzenegger wife using the cell-phone whilst driving.

A law that took effect in July 2008 requires California drivers to use a handsfree device when talking on cell phones.
Since then, the California Highway Patrol has issued more than 150,000 citations. That figure does not include citations issued by local police. Drivers who are spotted by law enforcement officers holding a cell phone to their ear are subject to fines of at least $20 for the first ticket and $50 for subsequent tickets, plus additional fees.

Now consideringhow this will be helpful in low auto insurance let me tell you that the text messaging and cell phone ban will bring down the auto accident rate which is as hgih as over 30% in most places on account of distracted driving. Assuming that this is reduced by at least 15% and the expense and claims are reduced by 15% – the auto insurance premium would be lowered by atleast 10%. The reason for this is because the claim expense for a large part of loading on the auto insurance rate. Thus you will get a low auto insurance rate. I hope this helps.

Ed : My car was recently stolen from my home in Orlanda. How can I prevent the car theft since now I find that my insurance has really gone high.

Response : There are certain cars which can easily be stolen, however, I will go into this information at another time. You have my sincere sympathizes, but thousands of unsuspecting motorists are carjacked every year.

To minimize the danger of being carjacked:
1.Think of saving your life first. Only then, think of your car and what’s in it.
2.If another car bumps your car, stay inside with the windows shut and the door locked and drive to the nearest police or fire station.
3. Don’t stop at isolated pay phones, cash machines or newspaper machines where you could become a carjacking victim.
4.Stay alert to people lurking near or moving toward your parked car.
5. Always keep the windows of your car shut and doors locked, whether you’re in or out of your car.
6.Park only in well-lighted areas.

To prevent your car from being stolen:
1.Keep your registration card in your wallet instead of your glove compartment.
2.Use paint or an indelible marker to put the vehicle identification number (VIN) under the engine hood and trunk lid and on the battery. This number is usually found on the dashboard on the driver’s side of the car.
3.If you have to leave personal property in your car, leave it in the trunk.
4.Keep your car in a garage and lock the garage door.
5.Use a security device like a steering wheel lock or a gear shift column lock.
Now, comming to your high insurance, I would advise you to compare auto insurance quote online – you will suprise the choices and the low rates you get. Check it out.

Maria : I have just started driving and am always worried about the weather conditions-wind and rain. I feel that an accident would increase my auto insurance rate, what can I do?

Response : I can understand your apprehension. Weather conditions like wind and rain pose special challenges for drivers. They can cause accidents and increase your auto insurance rate.The winds and rains in certain areas of our country the USA are very high especially in Florida. If you have a high-profile vehicle such as a trailer or motor home, consider staying off the roads until the winds die down. These vehicles tend to be overtaken by strong gusts of wind, posing real danger for drivers.

The commencement of rain is the most dangerous time to be on the road, as water mixes with road oils and dirt, creating a slick surface. Avoid hydroplaning by slowing down and maintaining traction between your tires and the road surface. Turn on your lights so other drivers can see your vehicle, and use your defroster or air conditioner to improve your visibility.

Severe thunderstorms can spawn tornados and hail. Monitor your radio news station during these conditions. The safest place to be in case of a tornado is outside the car. Pull over and find a ditch or other low-lying area and lie face down to protect yourself from flying debris. In a hailstorm, pull under an overpass or bridge to seek shelter while driving. In a hurricane, head inland to high ground before the storm approaches land.

Following these severe weather driving tips will help you from sliding off the road, having an accident, or suffering even greater damage to yourself and your property in unfavorable weather conditions.

Kamlesh