The Insurance Institute of Highway Safety i s one of the most authoritative organizations that researches and comments on insurance matters. A part of its remit is to monitor the general levels of claims and to make informed predictions based on the trends. As the number of boomers reaching retirement age has been increasing steadily, the IIHS suggested there was likely to be a steady increase in the number of claims made by drivers over the age of 75. At the time, this seems a reasonable assumption. As we age, everyone finds their reflexes slow down and their eyesight is no longer as sharp. Yet the IIHS has now admitted it made the wrong call. In fact the number of accident claims involving the elderly has fallen. In the most recent data covering 2009 through 2010, this trend has continued.
From the other part the safety net for our seniors ensures they still have access to good quality treatment. This is helping them stay in better shape. Another important fact i sthat our seniors are more socially responsible. They know they may be starting to lose their edge so they begin to drive more slowly, and avoid driving at night when they may have greater difficulty is seeing. As the mental faculties also come under pressure, they keep to the routes they know well and generally take greater care. The most responsible go through driving courses designed to help seniors navigate our roads with the least risk. Some modify their vehicles to make them safer.
The real cheap car insurance solutions comes through membership of Carfit, the project runningh jointly by a number of organization representing the interests of the aging. The idea is to offer advice and practical assistance to upgrade skills and make vehicles safer to drive. This reflects the reality that the elderly cannot easily adapt to modern life unless they continue to drive. With insurance companies offering the cheapest car insurance rates as an incentive and occupational therapists to advise, there’s no reason why seniors cannot continue driving without having an accident.
In some parts of the country, the risk of your vehicle being stolen is high. As a result, all auto insurance companies reward you with discounts for comprehensive cover when you take preventive measures. What then should you do to reduce the risk your vehicle disappears? For a proper answer to this answer, you need to ask your current insurer or those who give you auto insurance quotes for details of their discounts. In principle savings are available for measures taken under two different headings:
- Warning devices
What you might call the first level of protection comes from telling the potential thief and the neighborhood that your vehicle is not going to be easy to steal. We start with noise. If an alarm goes off when some tries to open the door or start the engine without the proper key, the amateur thief is deterred. Even the professional may be put off if it is not going to be easy to disable the alarm. No one wants to drive a vehicle through the streets with the alarm sounding. Then there are the passive deterrents. If you have fitted locks to the steering wheel or brake pedal, or etched the VIN on to the windows, this will deter the casual thief or the professional who was looking for an vehicle easy to sell on.
- Immobilizing and tracking devices
These prevent thieves from getting through your ignition system or has a separate switch for allowing the gas to flow. Even if someone does get the vehicle into motion, a GPS tracker will allow the police to recover the vehicle – assuming the thieves do not find and disable the transmitter.
Send details of all preventive measures to your auto insurance company and prove you are eligible for discounts. Then it’s just a case of common sense. Always remember to take the keys out of the ignition and lock the door when you leave your vehicle. Whenever possible, always park where there’s a reasonable level of foot traffic and the area is well-lit. Visibility is a deterrent to potential thieves.
Wondering how to perform minor car repairs? Given below are some of the common car problems that most car owners face and also instructions for solving these problems.
Do you know how to fix a flat tire? Haven't we been in this situation and most often raised our hands up in helpless despair? Let me tell you how to change a flat tire. First of all, pull over to the side of the road and park the car on level ground. Pull up the emergency brake and take out the lug wrench, jack and spare tire from the boot. Position the jack under the car directing them towards the lift points as given in the manual. Remove the hub cap and loosen the lug nuts. Gradually jack up the car till the flat is off the ground. Now remove the lug nuts and pull out the flat tire. Re-position the spare tire aligning its holes with the lug bolts. Now lower the jack till the wheels are on the ground. Tighten the bolts and place the hub cap. Now drive off and don't forget to get your flat repaired quickly.
Car Doesn't Start
If your car doesn't start, pop up the hood. Take a look at the terminals of the battery. If there any signs of corrosion then they could have eaten into your cables. Make sure that you regularly clean the battery terminals of such corrosion. If all looks fine then it's possible that your battery run out of charge, if so then get it charged. At times, the engine turns over but doesn't start. Firstly make sure that you have enough gas in the tank. Give all the fuel lines a thorough run through. Make sure that all of them are in place and well connected. Look at the main wiring. If all is in place, it could be a more serious electrical or mechanical issue. It would be better to let a mechanic diagnose the car problem.
Scratches on Car
Purchase a primer and a touch up paint which matches your car's paint job. Make sure that the primer is a color lighter than your touch up paint. Wash and then sand the area. Remove any debris from the sanding and section off the scratch. Now apply the body compound preferably using a plastic knife. Once the compound hardens sand it and then apply the primer. Once the primer has dried apply the touch up paint and allow it to dry. Follow these instructions and your car should look as good as new!
Dent on Car
If the dent is small, you can follow these instructions to get rid of dents. You can use a wooden block on the dented area and gently beat out the dent from the inside using a rubber hammer. Sometimes the dent would pop and fill out the section as before. This helps if the dent is accessible. Application of dry ice on the center of the dented surface will also help in the removal of small dents. In case the dent is inaccessible, you will need a dent removal kit. Get hold of a rubber plunger and press it against the dent to create a suction action. This will surely help in pulling the dent out. If this doesn't work, you may also drill a hole through the dent's center and then insert the dent repair tool into it to pull out the dent.
This was some information on common car problems along with ways to address these problems. While you can fix a car tire or repair scratches or dents, it would be best to seek the services of a professional if you are not able to identify the problem.
The odometer is existing within the evaluate known as the speedometer evaluate, and while starting its repair you must be very cautious about preventing any prospective harm to the speedometer. The odometer allows vehicles time down the quantity of kilometers that have been protected, and is a very important element out of all the car areas. If you are restoring it, then you must know that you cannot remove the usage that has already been clocked by your automobile.
The main purpose for your odometer not working can only be that the areas making up the odometer have used out. This is something that happens after a continual interval of use of the automobile, and some areas can be fixed successfully, whereas some might just need changing. To be able to bring out the repair, you will need a finish screw driver set (flat go screw driver and a Phillips screwdriver) and a alternative odometer planetary equipment that is particular to your car.
== The very first factor that you need to do is detachment the adverse wire from the car power supply, for your own protection.
== Now you need to pry the gasket that is around the advantage of your speedometer evaluate away from the sprint and then eliminate it. This can be done using a smooth go screw driver.
== Now you must eliminate the whole evaluate properly, without disconnecting any of the cables behind.
== Next, observe which cables are linked where and remember that. Continue to detachment the cables now.
== Get rid of fasteners from behind the evaluate and eliminate it from its launching.
== You will now see the publish that is used to function the journey odometer, and you must properly take it out.
== Now you need to properly eliminate the speedometer hook with no harm it. This hook is very delicate so you must be incredibly cautious.
== Now you will need to eliminate the fasteners that are situated at the top side of the speedometer evaluate, and then go to take the engine covering of the odometer out properly.
== Notice how the odometer planetary equipment is linked and then position the new equipment there. Do the opposite of all the above actions to position the speedometer evaluate returning into position.
This process of odometer problem solving may audio a bit challenging and complex, but once you get began you will soon discover that it is very easy to repair/ substitute the odometer. The price of the new odometer planetary equipment will not surpass $25 and this is a far better choice than nearing an costly auto mechanic shop.
If you are cautious enough (for the areas within the speedometer evaluate are incredibly fragile) you will experience no issues or issues while undertaking the repair. The cash you preserve by starting this job yourself is no little bit, and therefore, this is something that you should truly consider.