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Auto Insurance Glass Coverage, and Other Sleep Aids
by: Andi Ignatio
So what could possibly be more sleep-inducing than reading (or writing) a 650-word article about auto insurance? After considerable brain-racking, I’ve come up with one possibility: watching towels dry. However, if you drive a car in the United States, the law requires that you have your fair share of auto insurance. This article, in particular addresses one facet of auto insurance coverage: glass coverage.


So what’s your point?

The purpose of this information page is not to navigate the morass of options, riders, or auto insurance companies. If you don’t know whether you want “good hands” or a talking lizard, you should dig deeper on the websites these companies spend lots of money on to entice your patronage. Or you could investigate getting yourself a reputable insurance agent to act on your behalf. Insurance agents are people who think insurance is fun, and therefore can be trusted to accurately answer insurance questions. One resource for locating a reputable agent is the Independent Insurance Agents & Brokers of America website: http://www.iiaa.org.


Again, what’s your point?

The point of this article is to address just one aspect of auto insurance coverage, namely the aforementioned glass coverage. Should you have it? Should you skip it? In most cases, a glass coverage rider can be added to your policy relatively inexpensively - depending upon your situation, it could be less than $10 per month. Considering the cost of glass replacement (a windshield alone could cost over $200 to replace), it could be a wise investment. For a quick quote using the particulars of your vehicle, go to http://www.safelite.com and click the “get an instant quote” link.

But before making insurance decisions, you must assess your situation first. How much driving do you do? Under what conditions? On what type of roads?

Let’s address these questions individually.
1. How much driving do you do?
If you normally drive 3.5 miles on Sunday to attend church, and park your vehicle in an environmentally controlled garage the rest of the week, you may not need glass coverage. However, if you drive every day, and if your driving is for extended periods, your chances of a damaged windshield due to road debris, flying junk throw up from passing motorists, or the occasional misguided pigeon, are statistically higher. Calculate your weekly, monthly, and yearly mileage to help you get an idea of how much time you actually spend on the road. You might be surprised at the results you find.
2. Under what conditions do you drive?
Do you drive in adverse weather conditions? Windy or stormy conditions increase the odds of rubble being blown into your auto, and sub-freezing weather makes your windows more susceptible to damage by making them more brittle.
3. What type of roads do you drive on?
If you drive on unpaved roads, your chances of catching a stone thrown up by another vehicle rise. Also, if you travel on highways or expressways, you increase your chances of damage from long-haul trucks or construction vehicles that frequently drop bits and pieces of stuff as they pass. In addition, your higher rate of speed means anything hitting your windshield is colliding with it at a higher rate of speed.


So I guess you’re saying my auto insurance coverage should include glass coverage.

I am not an auto insurance agent. I don’t work for any auto insurance company. I don’t even play an insurance agent on TV. The information presented here is to help you come to your own decision - to provide you with the auto insurance opinions of this author, and some food for thought. I will say, however, that I do carry glass coverage, and it has enabled me to replace several windshields in the past three years. And that, my friend, beats the heck out of driving around wearing goggles and a scarf like a WWI flying ace.


© 2005 Auto Insurance Directory

About the author:
About the Author

Andi Ignatio has developed the website Auto Insurance Directory, which answers the most common questions drivers have about auto insurance. Please visit us at http://www.autoinsurancedirectory.ws/today.


***ATTENTION PUBLISHERS AND WEBMASTERS***
Permission is given to reprint this article in its entirety in your ezine, newsletter, or on your website so long as you leave all links in place, do not modify the content, and include the resource box exactly as shown above. Anyone or any company reprinting this article without giving proper credit and the correct link is doing so without permission, and will be subject to legal action.


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Tips For Winter Driving
 by: David Maillie

Winter driving can be hazardous and stressful. Wind, snow, ice and blizzard conditions increase the normal dangers of driving. There is a lot you can do before the winter driving season and during a storm to protect yourself and your family.

Before winter arrives, have your car inspected to be sure it is ready for the road conditions. You can do this yourself or take it to a qualified mechanic. Check the battery, wipers and fluid, thermostat, brakes, ignition system, antifreeze, exhaust system, lights, oil level, heater and defrosters. Make sure everything is in good working order to keep you safe throughout the cold weather.

Check your tires to be sure they are road ready. Install tires that are appropriate for the driving conditions. In moderate amounts of snow, all weather radials will do the job nicely. If you live in a climate where you experience a lot of snow, consider snow tires. These have better tread to deal with snow and ice.

Prepare an emergency kit to keep in the back of your car. This will ensure that you are prepared in the event that you get stuck in the snow. Things to include in the kit:

Ice scraper
Small broom
Small shovel
Kitty litter or a bag of sand (to give traction if you get stuck in snow or ice)
Blankets or a sleeping bag
Flashlight with batteries
Flares or warning triangles
Plastic bags
First aid kit
Tool kit
Jumper cables
Bright cloth to use as a flag
Help sign for back window
Extra hat and gloves
Food and water to sustain you if you get stuck
A book, Bible or Prayer Cards to keep you busy and calm in the event you get stuck.
Charged cell phone (always carry this, especially in the winter)

Keep your gas tank at least half full at all times. This adds weight to the car and will ensure that you won’t run out of gas in the event you get stuck.

Driving in the Snow

Pay attention to the weather forecasts and road conditions in the winter months. If the weather is bad, stay home if at all possible. If you must venture out, travel in the daylight. You are more likely to find help if you get stuck during the day. Never warm up your vehicle in the garage. This releases carbon monoxide, which is toxic and can kill you.

When driving, always wear your seatbelt. Wear sunglasses to protect your eyes from the glare of the sun reflecting off the snow. Know your car and how it handles in the snow. Features like traction control and antilock brakes can be useful in bad weather conditions. Know how these work and if your car is new, practice driving it in a snow covered parking lot before venturing out on the road.

Take it slow, especially in icy conditions. Don’t tailgate and be sure to allow a safe distance between vehicles. Do everything slowly, stopping, accelerating and turning. Leave plenty of time and space to maneuver. Sliding and skidding usually happen when turning, stopping or accelerating. Going extra slow will ensure your safety.

If the visibility is low, slow down even more. Consider getting off highways and driving even slower. This will take you out of the path of large trucks that can cause accidents. Use only your low beams, as your high beams will reflect back off the snow and won’t increase your visibility. Turn on your hazard lights to be sure other drivers see you.

In the event your car gets stuck, don’t get out. Put up the hood and tie your cloth to the antennae. This will make you more visible to emergency vehicles and other drivers. Keep the windows, air grill and tail pipe clear of snow. Wrap up in blankets and huddle up with passengers to stay warm. Run the heat for fifteen minutes each hour to keep from freezing. Move your body around to stay warm.

Keeping your car clean throughout the winter is important. Salt on the roads is important for safety, but will wreak havoc on the finish. If left on for long periods, it can cause rusting. Wash your vehicle weekly to remove salt and wax to protect the paint. Salt also leaves a coating on your headlights that can impair their operation. This will make you less visible to other vehicles. New Lite Headlight Cleaner and Restorer will return the lights to like new condition.

About The Author
 

David Maillie is a chemist with over 12 years experience in biochemical research and clynical analysis. He is an alumni of Cornell University and specializes in biochemical synthesis for public, private, and governmental interests. He holds numerous patents including his recently awarded patent for headlight cleaner and restorer. He can be reached at M.D. Wholesale: http://www.mdwholesale.com.

 



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