Testosterone Can Make for A Higher State Farm Auto Quote

May 17, 2011  Written by Admin  

Women may be better off leaving their boyfriends and maybe even their husbands off of their car insurance policies, according to “He’ll Break Your Heart–and Your Car Insurance Rates.”  Emmet Pierce’s article for Fox Business says that gender is a large factor towards determining your car insurance rates.  A State Farm auto quote, or a quote from another insurance company, calculates insurance rates based on gender for a few reasons.  Males tend to take more chances like driving faster and making risky decisions, which results in more accidents and tickets from police officers.  This is especially true for males in their 20s, resulting in a higher State Farm auto quote.

The Insurance Institute for Highway Safety says that testosterone is likely the reason why men are riskier drivers than women.  In fatal car crashes, men are twice as likely as women to have been intoxicated.  Men are more likely not to wear seatbelts, to speed, to make riskier decisions, and they also tend to drive more miles.  All of these reasons make them more expensive to insurance companies when you compare car insurance quotes.  While it may not be monetarily beneficial for a woman to add a man to her car insurance policy, compare car insurance quotes in the reverse it could work out in a man’s favor.  Most car insurance companies offer a discount when you insure more than one car, so a man adding a woman without a bad driving record could result in a significant discount.  A woman adding a man with a flawed driving record, however, usually loses more in premium increases than any discount she would have received for adding another car to the policy.

If You Transport people for reward you need a PrDP License

May 12, 2011  Written by Admin  

When Do you need a PrDP Licence? This was also discussed on Insurance Chat in a Blog post titled When do you need a Professional Driving Permit?

We would also like to share 2 other requests for asisstance on this matter:

Example 1:

Question: I will required to transport clients on the odd occasion from eg Airport to Hotel

a) Do I require a PDP?

b) How do I go about applying for one ?
what documents
what cost
delay

c) what is the implication if I am stopped and I do not have a PDP?

Answer:

If you are transporting passengers for reward then the driver will require a Professional Driving Permit , category P-Passengers.

You must be in possession of a driving licence to operate the class of vehicle and be older than 21.

You can apply for a PrDP at any driving licence testing centre, perhaps try Goodwood, Gallow’s Hill or Milnerton DLTC.

Example 2

Question:

Kindly advise when a driver is required to be in possession of a PrDP licence. W

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Top 5 Tips for Sharing the Road Safely with Pedestrians

May 11, 2011  Written by Admin  

The numbers for car-pedestrian collisions are sobering. From 2005 to 2009, there were 224,000 collisions involving pedestrians and single-passenger vehicles. Of those accidents, 13,193 were fatal. But even more sobering are the circumstances in which those pedestrians were hit.

Though you might imagine otherwise, the most common scenario in which a pedestrian and car collide is when a person is crossing the road and the vehicle is going straight — this is how it happens 95 percent of the time. In many of those cases (54 percent), nothing is obscuring the driver’s vision. And the driver usually fails to brake.

In fact, drivers who hit pedestrians while traveling straight hit the brakes only 13 percent of the time. And

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Truck driver caught in life threatening police chase on camera!!

May 08, 2011  Written by Admin  

A visitor to the Arrive Alive website shared a link to video footage of an amazing police chase.

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Teen Driving: 6 Essential Safety Tips

May 05, 2011  Written by Admin  

So your son or daughter is approaching driving age — how’d that happen so fast? No doubt your teen is desperate to be given the keys to the family car, or perhaps for a car of his or her own. It’s something that most parents face with varying degrees of anticipation and dread. So in honor of National Youth Traffic Safety Month