1959 Chevrolet Bel Air vs. 2009 Chevrolet Malibu Crash Test!

The Insurance Institute for Highway Safety (IIHS) puts together crash tests every year to determine which vehicles are deemed the safest to drive. These cars are awarded safety awards by certain criteria and to win such an award is a very important and special thing for an automaker. I happened to come across a video from IIHS of a 1959 Chevrolet Bel Air vs. a 2009 Chevrolet Malibu and I wanted to share it with you. What this video shows is that automakers are putting extra time, thought and energy into the new cars that they are building. You should not be surprised to see that the 2009 Chevrolet Malibu has a much smaller amount of damage compared to the 1959 Chevrolet Bel Air. Check out the video below and see what the IIHS had to say about this very special test.

IIHS 50th anniversary demonstration test • September 9, 2009
In the 50 years since US insurers organized the Insurance Institute for Highway Safety, car crashworthiness has improved. Demonstrating this was a crash test conducted between a 1959 Chevrolet Bel Air and a 2009 Chevrolet Malibu. In a real-world collision similar to this test, occupants of the new model would fare much better than in the vintage Chevy.

“It was night and day, the difference in occupant protection,” says Institute president Adrian Lund. “What this test shows is that automakers don’t build cars like they used to. They build them better.”

The crash test was conducted at an event to celebrate the contributions of auto insurers to highway safety progress over 50 years. Beginning with the Institute’s 1959 founding, insurers have maintained the resolve, articulated in the 1950s, to “conduct, sponsor, and encourage programs designed to aid in the conservation and preservation of life and property from the hazards of highway accidents.”

More information at http://www.iihs.org/50th/default.html

GAP Insurance Is Vital When Buying A New Car Or Truck

Yep I believe it’s that exciting…. You know that feeling you get when you buy a brand new car? You know the feeling of wrecking a car? Think about how horrible it would be to get a brand new car or truck and in just a few days you wreck it! This happens a lot.

It might also surprise you that even though you just paid $20,000 for your brand new car it’s only worth $14,000 in the eyes of the insurance company. Believe it or not the minute you drive your brand new car off the lot it depreciates. So the insurance company gives you the $14,000 for your car, and you now owe a remaining $6,000 on a car that you aren’t driving because it’s been totaled. Well this unfortunate coincidence happens more than you think and that wouldn’t happen if you had GAP insurance. You see GAP insurance will insure you for the difference between what you would owe on a vehicle and what an insurance company says it’s worth. Like I said your car will depreciate the minute it’s driven off the lot so it’s imperative you get GAP insurance. The one and only reason you might not want GAP insurance on your brand new car or truck is if you paid for it with cash and don’t owe the bank anything.

You do have a few options when searching for GAP insurance. You can get it through the dealership, your insurance company or in some cases the bank will roll it into your loan. Just make sure that you do your research so you can get the best deal possible.

Thanks to Brandi Hodge for contributing.

Why Is Car or Truck Insurance So High For Teenagers?

Most insurance companies consider drivers under the age of 25 to be high risk. Teenagers feel a sense of freedom when getting their license. They feel invincible and often think….Oh that wouldn’t happen to me. They get behind the wheel and the tend to take risks that an experienced driver would never attempt. I know….I did those things as a teenage boy. This tends to make teenagers a major threat on the road. Statistics show that the number one killer of teenagers is car accidents.

Insuring your teenager can be stressful but there are a few things that you can do together to help lower those costs. Some things you can’t help but some things you can teach them and speak to them about. I think an open line of communication between you and your kids driving is important. They will listen to you.

  • Keep a clean driving record. Every ticket, car accident, fender bender, DWI or otherwise can hurt those costs tremendously. I had quite a few speeding tickets in my younger years and trust me I spent a lot of time in defensive driving. Ha.
  • Raise the deductible. This will help lowering the payments.
  • Get good grades. Many insurance companies offer discounts to teens that are in college and high school and can maintain and good GPA. Every insurance company is different but it’s definitely something you should check into.
  • Defensive Driving…. Even if your son or daughter has never received a traffic violation, taking defensive driving once a year is a proactive way of showing the insurance company you are concerned with safe driving. Many insurance companies will offer discounts for this.
  • Drive a car that has a high safety rating. The more airbags that are on the car the better. Sports cars, expensive cars, high-performance cars and SUVs carry higher risk and higher insurance premiums for teenagers.
  • Safety features such as anti-lock brakes, traction control, automatic seat belts and side-impact air bags can reduce teen car insurance rates considerably.
  • You should always get quotes from at least 3 or 4 different insurance companies and compare before you pick one.

Good luck! Keep me posted on any good deals you find out there.

Thanks to Brandi Hodge for contributing.

What Should You Know? New and Used Car Insurance Tips

I’ve been looking for some ideas to help you with  your insurance needs. I found this great blog on insurance terms. If you find insurance terms a little confusing you’ll get a lot out of this article.

As you search for the best price be sure you understand what you are buying and I encourage you to get quality coverage. When an accident occurs too many people are surprised not only by what their insurance covers but what it doesn’t cover at all.

Posted by admin in : Car Insurance Articles

If you’re looking for cheap full coverage auto insurance you can easily get confused by all the choices you have. And, because most people want to get quality coverage along with money savings, it can take a some quality time to consider different aspects before deciding which company best fits your needs and which policy to buy.

Understanding what the terms mean will speed up the process.

Full Coverage Insurance – Full coverage insurance is comprehensive coverage that covers you personally for every type of insurance that your insurance company offers.

Here are some examples:

 Medical Costs

Medical costs could be an option for some policies. When you have a full coverage auto insurance policy the medical costs of everybody in your car are covered if you get into an accident and sustain injuries.

Liability – Liability is also covered when you have a full coverage auto insurance policy. So if an accident is your fault, this coverage makes it possible for all the damages you’ve caused to be compensated.

Liability coverage should be part of everyone’s insurance policy because you never know who will be blamed if there’s an accident. In this case it’s far better to be safe than sorry.

The Cost of the Premium

It pays to compare premium costs with different insurance carriers if you’re looking for cheap full coverage auto insurance because the cost of identical coverage can vary by hundreds of dollars or more per year.

The premium will be based on your age, your gender, and how old your vehicle is and even possibly your past driving record.

By the way, if your car is on its last legs you may not want to invest in full coverage because the premiums will be higher. You could end up paying premiums based on the current market value of the car. It usually makes more sense to get cheap full coverage auto insurance policies for newer vehicles.

Some comprehensive insurance polices cover you in case of arson or vandalism, but they aren’t very common.

When comparing premiums you can check out companies online and get in touch with some insurance agents who can keep you abreast of information about cheap automobile insurance.

And look here to find out more about how to get cheap motor car insurance. And if you want to see more ways to find affordable car insurance take a look at http://www.CheapOnlineCarInsurance.org

Good luck. Let me know if you find some real good values out there. I am compiling a list of the best insurance deals in the Dallas Fort Worth Area to share with my readers.

Thanks to Brandi Hodge for contributing.