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At Citizens Insurance, what if you add your 17-year-old child?

This is becoming a more and more critical question, citizensinsurance.net face the flurry of distracted-driving related claims, increased complexity of auto manufacture and repair, the lack of return on the investment of mandated reserve funds, citizens insurance company of the Midwest is looking to minimize their risk exposure in every possible way. “Minimizing exposure” is underwriter speak for transferring [risk] exposure back to you, through exclusions. Due to the inherent moral hazard created when and if the insurance covers you in the act of committing a crime, i.e., vehicular manslaughter while intoxicated or under the influence, the insurance contract has built-in exclusions for liability and property damage done while committing a felony. These exclusions are allowed, and in the case of the DUI-related exclusion, are even encouraged by State laws. Many, if not most exclusions are entirely at the insurance company’s discretion. And as in the last question, who is covered under the policy is extremely important to understand, Even more for households that have teens or tweens who are or will soon be learning to drive on public streets using the family car.

It is also very important to understand that these exclusions can be changed at any renewal without verbal notice, and many times the written notice legal requirements are met in the sending of a paper copy of the entire contract summary. For a consumer to discover the difference between this coming six months vs. the six months just concluded would require that consumer to dig up the last copy of their summary, prior to amendment, then the consumer would have to comparatively read both copies, meticulously noting the minute linguistic differences, with staggering financial differences tied to them. The other way is to call and demand that an experienced rep goes through any major changes to the policy and the associated exclusions. Major changes that are hidden from consumers in mind-bending quantities of legalese are disclosed in advance to agents and reps. The hard part for the consumer will be penetrating the prepared talking point to get at the nitty-gritty details.

Many consumers, wanting to save money, will not report their youthful driver, (under age 25) to citizens auto insurance as a way to save premium. But if that driver has been licensed for more than one year at the time of accident where he or she is the driver, that accident may be excluded and if so, your youthful may be guilty of driving without the proper citizens auto insurance, which is a major violation, which will carry a hyperbolic premium when subsequently insured by high-risk insurance companies. Understand, ideally before your teens are licensed, while they’re still tweens, what will happen to your premium, and how Citizens insurance Howell mi will handle it when they get their learner’s permit, and when they finally get that coveted symbol of adult status, the license to drive. That will give you the most time to comparison shop.

If you have teens driving, either, pony up the bucks, take away the keys or the old standby of buying junior and old, but reliable “junker.” The older the car, the cheaper it will be to repair, and therefore insure, even if junior is driving it. Fleet vehicles that it makes and models often bought by police departments tend to get surprising gas mileage for their weight and engine size, are remarkably sturdy in a low-speed collision, hold the road exceptionally well, tend to run well, in spite of high civilian mileage or chronological age, or both; and have standardized parts that are cheap to buy.

Sum it all up, and consider that large, grandma or grandpa car that took its owner faithfully to the doctor, grocery store and church for years. These cars are often in near mint condition, in spite of being 20 or more years old, and can be bought for cash on estate sales. Many retired owners will take their car in for an oil change for the social outing, to maintain the owner, more than the car. Domestic manufacturers also turned out similar makes or models on the same chassis that widen the inventory of available, reliable, affordable vehicles for junior to drive. And paying cash for the car allows for liability only coverage. The exposure that junior will face having to pay for repairs to his own car out of his own pocket will be a nice reminder to make good choices and ignore what the hormones are saying.

This is one case when States allow for gender discrimination. The boys pay more. Those raging teen hormones lead boys to make poorer choices on average than the girls, with each boy claim averaging significantly higher per claim costs. So, teens have higher claims frequency, and their average claim carries a higher cost than a similar claim for an older driver, and all of the stats show, boys have the highest claim frequency and dollar amount average per claim. The data are so overwhelming in favor of differentiated pricing based on gender, even the most liberal anti-discrimination groups that work pro-bono, won’t take up the cause because the evidence to too clear.

What happens if your child is a good student, or has no record of irresponsible driving? What happens when your child goes to college across the country next year?

As stated earlier, the evidence that a teenage driver, in particular, teenage male drivers will probably make some really poor and costly choices is overwhelming. So much so, that you are going to have to prove, or document, that your child is different. This is done with good grades. Again, overwhelming statistical evidence shows that ‘A’ and ‘B’ students are involved in claims less often and each claim is less costly on average than kids with poorer report card marks. This will take some, but not nearly all of the sting out of their youthful status. Even youths that get good grades lack the judgment that comes from experience.

When a youthful go to school more than a certain distance away from mom and dad’s home zip code, there may be a discount available where the underwriters account for driving only during the summer, because of the increased daylight hours and lack of snowy conditions, and on breaks, such as Thanksgiving, Christmas/New Years and Spring break. Citizensinsurance.net allow their underwriters to account for this greatly reduced [risk] exposure and extend a discount.

Each birthday your youthful has will decrease his or her premium accordingly until they are 25 and no longer considered youthful. This will be priced by the number of days each policy period your child will be a particular age. This is because underwriters have nothing better to do all day than perform age-pro-rata calculations, some of them even find such calculations soothing or enjoyable.

Be sure to know how your current coverage works, and to comparison shop, not only on the bottom line premium but on that promise to pay. The idea here is to buy the most generous promise to pay for the smallest amount of premium. If you spend 10 to 20 percent more, you may find the promises to pay, (insurance clauses) that you buy are significantly more generous. Citizens auto insurance compete on low premium and want to help you with upfront savings on premium; you have to make sure that those savings for bare-bones coverage don’t cost you a pound of flesh in the event of a claim.

 

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A Sure Way to Sell Your Used Car Fast

When you need immediate cash or when you need to sell something fast, it can’t be helped but feel stressed. It is not as if customers will rush in buying your item just because you want it. No matter how quickly you sell something, the process will still depend on you.

If you want to Sell used Ford Figo in Bangalore fast though, this is not impossible as there is a company that can assist you. That is right and this company is Truebil. They sell and buy car sales and Figo is just one of the cars they deal.

The good thing about this company is they buy the cars themselves if they like what they see or if you can agree with the price. That means if you really want immediate cash; that can be resolved by Truebil. All you need to do is, check out their website as a detailed instruction can be found there.

There are so many reasons actually why Ford Figo will be sold fast. First of all, this is one of the pride of Ford and they really made sure their customers will not be disappointed. As this company is already known for high quality when it comes to vehicles, the same capabilities can be expected with their latest innovations.

That is right and this is also the reason why Truebil will not have any second thoughts in buying a used Ford Figo for that matter. They know for a fact that they can do a good business deal with this type of vehicle.

So whether you are selling or buying a used car, you can rely on Truebil. If the need to sell something is fast, they are your most efficient ally. Go and check their website now!

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Chrysler fuel conservation tips

Fueling your Chrysler doesn’t have to cause a financial crisis if you follow a few tips and tricks. By so doing, you can save lots of fuel and enjoy a fat bank balance. Here are some easy tips you can follow to save fuel and maintenance cost.

Slow down 
Slowing down is a way to cut down your fueling costs. According to Indianapolis Chrysler experts, any extra mile per hour beyond 60 mph lowers your fuel economy by a staggering 7 percent.

Image result for Indianapolis Chrysler

Ensure the tire has the right pressure 
If you drive with under-inflated tires, you experience a rolling resistance. This leads to more fuel burning compared to when the tires are fully inflated. If you are not sure about the amount of pressure that your Chryslers tires require, you can check the manufacturer’s manual. You can also use the Pressure monitoring system if your Chrysler model has one. Some models such as Federal Motor Vehicle have an inflation standard sticker on the driver’s side of the door.

Drive consistently
Just like the trucks do, consider keeping a consistent speed constant slowing down and over speeding is known to reduce the fuel economy. Make use of the cruise control whenever there is a chance.

Be careful when accelerating 
Very fast acceleration wastes fuel. As such, modest acceleration is recommended to ensure that the transmission system shifts to higher gears smoothly. Motor vehicle experts estimate that rapid acceleration and braking leads to a 33 percent increase in gas mileage when done on the highway and 5 percent on the city roads.

Cut down the idling 
When the car is idling, it is spending the fuel while covering zero distance. If you are to stay on one point for some time, consider turning off the engine and restart it when you are ready to move.

Follow the OEM specifications when buying tires 
It is not just any tires that will work with your Chrysler. Consider checking the owner’s manual or the OEM specifications when purchasing them. The wrong kind of tires will create resistance and increase the fuel consumption.

Ensure that the car is well-maintained 
Smooth running of the engine depends on the maintenance of the vehicle. Take your car for servicing from time to time to ensure that it is always performing in the best way possible. Also, ensure that you do not buy a very old Chrysler model for it might not be fuel-efficient. You can find several Indianapolis Chrysler dealers that have well-served pre-owned cars and new cars too.

Plan your day in advance 
Plan your trips well in advance. Group close destinations together so that you cut down on long trips to each destination. This helps you cut the fuel consumption due to numerous short distance trips.
You can save that extra dollar by following the fuel conservation techniques outlined above.

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Who Else Wants to Drive 2017’s Smartest, Safest, Mid-Sized Car?

Maximum safety and economy together with maximum connectivity. Looking for all of this in one mid-sized car?

Fusion is Safe.

The 2017 Ford Fusion was awarded the highest possible safety ratings:

  • The Insurance Institute for Highway Safety selected it to be in the safest company: The best safety choices in the mid-sized sedan class.1
  • The National Highway Traffic Safety Administration gave it the highest possible safety rating: 5 stars. 2

Alerts You to Danger

Safety is always on your mind. But your most careful driving cannot make other drivers more careful or make hazards disappear. And you are busy. Driving through parking lots, neighborhoods, and downtown areas demands extreme caution.

With Pedestrian Detection and Pre-collision Assist, the 2017 Ford Fusion detects objects in your path and activates an audible alert that flashes on the windshield. If you are unable to apply your brakes in time, they will be applied automatically.

But danger comes from everywhere — from blind spots and from behind. With Fusion’s Blind Spot Information System, you won’t have to hope that all is clear. Thanks to the little circle of yellow light and white arrow that appear on the righthand or lefthand mirror if another vehicle comes within 15 yards, you won’t be caught off-guard.

And, if you daydream for a moment and drift out of your lane, the lane keeping system makes the steering vibrate, reminding you to move back into your lane.

Reduces the Impact of Collisions

Sometimes even the most careful drivers have collisions. Fusion is the first in its class to be equipped with rear inflatable safety belts. In the event of a collision, these provide extra cushion, stability, and support during impact, and are compatible with child safety seats.

Fusion is Smart.

Assists with Your Parking

Perpendicular parking is a breeze with the help of Perpendicular Parking Assist. Simply hit the right or left turn signal, push the perpendicular park button on the four-button pad next to the center console, then drive forward until you hear an audible alert directing you to the nearest open space. Fusion will steer for you and guide you into the space. For parallel parking, simply push the button on the same pad, and Park Out Assist

Keeps You Connected

The Sync 3 system is standard on the Hybrid S and SE, a full infotainment system that provides you with the latest in communication and entertainment technology. Sync 3 is easy to use with a simple voice command system and a responsive touch screen that will not hesitate.

Maxes Your Space

Now you don’t have to plan around your limited cargo space. The 2017 Ford Fusion is equipped with a rotary gearshift dial that frees up space in the center console area for bigger, better cupholders and a cell phone bin. 3

  1. Economical

Puts Your Money Back in Your Wallet

With an EPA estimated 43 city and 41 highway miles per gallon, driving this Fusion Hybrid SE or S will save you hundreds of dollars every year. 4

It seems the 2017 Ford Fusion Hybrid was built for you.

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Why you should buy a new car online

Technology has reached a zenith and people are becoming more independent on the Internet for their basic needs.  Hence the online platform for selling cars has gained so much popularity. So there and are many undeniable reasons why buying a new car from online sites is a good decision.

Reasons for purchasing cars online

  • It is quite easy for people to view the models on the screen of their laptop than going from store to store. Online market will help you to find the right vehicle for your by filtering it from thousands of options.
  • It will save both your time and money and will reduce the stress of finding the perfect car. Online shopping is more hassle-free, obligation and stress-free. And the entire transaction process is also quite easy and if you don’t like the car then it can be changed and refunded.
  • Your place may not have the car that you want to purchase so it is not a good idea to settle for something else when you are going to spend a lot of your savings. On the online market, you can sit in your house and choose them and here the details and are also genuine and tested so fraudulent case won’t happen.  
  • On the online market, you will get cars at a low cost with many discounts and they will also offer many extra benefits to you. And if you finalize the car then they will deliver it to your house and your job will be just to pay the money.

Due to all these uncountable benefits, the traditional methods of buying cars are becoming obsolete nowadays. Recently the Fiat Punto car has become quite popular in the market so you can Buy used Fiat Punto in Bangalore.

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