low car insurance quote

Your driving IQ matters to get low auto insurance.

I was recently reading about driving IQ and was wondering if this was something to consider for getting low auto insurance.
What is your driving IQ and how does this matter to getting low auto insurance?
It might surprise you but the truth is I was recently reading an article in McClatchy- Tribune Information Services and read that “Highway Patrol Lt. Janita West said that thought often crosses her mind when she takes drivers on the road for a driver’s license test — especially teenage drivers.

Results of the seventh annual GMAC Insurance National Drivers Test indicate an estimated 36.9 million drivers nationwide would fail the written test if they took it today. GMAC considers its annual test “the benchmark for America’s driving IQ.”

A total of 5,130 licensed drivers, ages 16 to 65, took this year’s 20-question test, which requires a score of 70 to pass. The test result show that one in five licensed drivers doesn’t know enough about the rules of the road to pass a written driver’s test.

The basics of knowing the rules of the road are very important to avoid accidents and this will get you low auto insurance. Lets discuss this in detail since once you understand something; it would very easy for you to implement it.

How would driving IQ get you low auto insurance rates?

It is obvious that you cannot implement what you do not know. If you do not know the rules of the road the chances of your breaking and violating the rules unknowingly are higher. Now, the other person on the road would assume that you know the rules of the road and are following them, hence they would be caught completely unawares when you break the rule. A fast moving vehicle takes its own time and distance to come to a stop and thus an accident is likely to occur. Once an accident occurs, this is going to be reflected on your driving license- your driving record is affected and the chances of your getting low auto insurance rates would diminish since the insurance company would apply the loading for the claim or accident or your bad driving record.

Driving IQ helps you in getting low auto insurance rates?

If your driving IQ is higher than you are the one who knows the rule. Remember it is not only important to know the rules but also to obey the rules of driving. When any rules are obeyed the chances of getting into trouble or problems is minimized and this would also be true for driving rules. The chances of your getting involved in a car accident would be drastically reduced. This would lead you to maintaining a good driving record. The driver is one of the most important consideration when rating a car insurance policy for the general insurance company. You are given a discount for claims free years and also the rating is reduced for your good driving record and hence you would get low auto insurance rates.

Another obvious way to get low auto insurance rates is to compare auto insurance rates online and review car insurance rates given by different companies. Beat the insurance company by their own strategy of law of large numbers. The more the car insurance quotes you compare the more the chances of getting low auto insurance rates.

Keith Baxter : Can auto insurance companies demand information about people who live with you? When I compare auto insurance quotes do I need to declare all the members of my household? Should I review car insurance application for this?

Review car insurance application when you compare auto insurance quotes.

Response : For an insurance companies the members of your household or people who live with you are relevant and important. The reason for directing these questions is because this is one way the insurance company would know who is likely to drive your vehicle or use your vehicle. This is so because if you are living in the same household the chances are more likely that you would be using one another vehicle either on a regular basis or randomly when needed. This is also another way for the insurance company to know the possible risk factors that must be considered when rating or underwriting your application or accepting your risk.

The general question on the application is who the licensed drivers are living in your household. The reason for this question is that many people do not declare all drivers living in the household, especially when one of them has an adverse driving history or a bad claims record, to avoid loading.

Remember that if you have a child who is below six than you might earn a discount for this, since the parents of very young children would be more careful drivers especially when they have their child with them.

Failure to disclose correctly when you compare car insurance quotes

If you do not declare this correctly than in case of an accident when the insurance companies conducts an investigation and finds out that whatever has been declared on the application when you compared auto insurance quotes was not correct, they can deny the claim and void the policy. Hence you should always review car insurance application and ascertain the correctness of the same when you compare auto insurance quotes.

Thanks.
Kamlesh

Nearly one out of five U.S. drivers surveyed has read or sent a text message while behind the wheel, even though nearly all of the respondents in an AAA survey released on Friday considered such action unacceptable

“The new technologies that help us multitask in our everyday lives and increasingly popular social media sites present a hard-to-resist challenge to the typically safe driver,” AAA Chief Executive Robert Darbelnet said in a statement accompanying the survey commissioned by the AAA Foundation.

“Enacting texting bans for drivers in all 50 states can halt the spread of this dangerous practice among motorists nationwide, and is a key legislative priority for AAA in state capitals,” Darbelnet said.

The group, which provides emergency road services to its members and lobbies on automobile issues, formerly was known as the American Automobile Association.

The random telephone survey questioned 2,500 U.S. residents 16 and older in April and May.

Although nearly all respondents considered the practice unacceptable, 18 percent said they had sent a text message while driving within a month of being surveyed.

Most data available on texting and driving are anecdotal, but the U.S. Transportation Department is seeking more information as pressure grows to ban the practice.

Transportation Secretary Ray LaHood will hold a two-day conference on distracted drivers next week in Washington.

Separately on Friday, 93 percent of 1,000 licensed drivers responding to a survey commissioned by Ford Motor Co. supported a nationwide ban on texting while behind the wheel.

AAA says surveys of its members also favor a ban, a step that Ford and other major automakers support.

About a dozen states have imposed prohibitions, and proposals for a national ban have been introduced in Congress.

The wireless industry — including cellphone manufacturers, carriers, and some Internet companies represented by the CTIA-Wireless Association — support state and local efforts to ban texting while driving.

Please abstain from texting whilst driving. Maintain your low auto insurance rates. Compare auto insurance quote 411.