Remember, the general rule always has exceptions. So when everyone tells you insurance companies load up the premiums of the inexperienced drivers and the drivers who have a bad safety record, that is true as a general rule. But this does not mean it’s impossible to find reasonably cheap insurance. All it means is you have to work harder to get results. So the first rule is, “Never give up hope!” There are always ways in which you can save on the premium and find reasonably good coverage. Who are you? You may:

• be a new driver;
• have been involved in multiple traffic accidents;
• have been convicted of driving while under the influence or other serious offenses; or
• have had you license suspended and/or your previous insurance cancelled.

The second rule is always to tackle the problem honestly. It is pointless to lie about your record. Even if the lie goes undetected when you buy the policy, every company makes thorough checks once a claim is made. If your dishonesty turns up, the company will cancel the policy and you will be left with no indemnity against the claim. Be open about your high-risk status and get two sets of quotes using the online search engines. You should aim to compare the prices on general policies with the premiums charged by the companies offering special policies for drivers with poor records. The bad news is the majority of general insurers will refuse to quote or quote high premiums. These are the companies only writing policies for people aged between 25 and 70 who have never had an accident in their lives. The quotes you get are still useful because you find out which is the lowest of the high quotes. The good news is there are a small number of companies offering a specialised service to high risk drivers. Ask for high risk auto insurance or nonstandard auto insurance and get their quotes.

Holy cow, Batman, it’s winter again. Sadly, Robin probably never said this to Adam West’s Batman and the lyrics from the song by The Band are not quite right. Which brings me to a Scottish group appropriately called Snow Patrol and their lyrics to Holy Cow include the fabulous line, “The telegraph pole knows where you live.” Yes, friends, it’s that time of the year again. Let’s start with a fact you do not want to hear. Claims arising from traffic accidents in snow are 40% higher than from the accidents when the road conditions are dry and the visibility is good. As you sit behind the wheel of the vehicle with that sense of absolute powerlessness, remember Holy Cow. You can turn the steering wheel this way and that. You can pump the brakes for all you are worth. But if that telegraph pole wants to get you, it will.

Holy cow, Batman, it’s winter again. Sadly, Robin probably never said this to Adam West’s Batman and the lyrics from the song by The Band are not quite right. Which brings me to a Scottish group appropriately called Snow Patrol and their lyrics to Holy Cow include the fabulous line, “The telegraph pole knows where you live.” Yes, friends, it’s that time of the year again. Let’s start with a fact you do not want to hear. Claims arising from traffic accidents in snow are 40% higher than from the accidents when the road conditions are dry and the visibility is good. As you sit behind the wheel of the vehicle with that sense of absolute powerlessness, remember Holy Cow. You can turn the steering wheel this way and that. You can pump the brakes for all you are worth. But if that telegraph pole wants to get you, it will.

Looking around the US economy right now, all you see is the wreckage of dreams. Homes have been foreclosed, bankruptcy looms on private debts and the retirement 401ks have taken a serious hit. Life as we knew it has been turned upside down without anything in place to catch us as we fell. So how did we get into this mess? The economists tell us we have been living beyond our means. Credit was cheap and, with banks and credit card companies raising their borrowing limits, there seemed to be nothing we could not afford. There was no need for savings. Everything could be charged. If the limit was reached, the housing equity could be released as cash. Over a period of about twenty years, we switched from a country that saves to a country that spends on credit. In the period just after World War II, we had “prudence”. People mostly paid cash for what they wanted and, if they did not have enough, they saved. It was a revolution when, suddenly, everything could be paid for in affordable monthly instalments. In one sense, this is the easiest way to get into serious debt without noticing. When you only pay a few hundred dollars every month, it hardly registers the total debt is tens of thousands.

All businesses using commercial vehicles will need commercial car insurance as part of their insurance program. With a wide variety of options available, it is necessary to consult with the insurance agent or company to provide full details of vehicle use and ensure the correct coverage is chosen.

The following points should be considered:

How many vehicles and drivers need to be covered?

Coverage is often determined by the number of vehicles and drivers requiring insurance. Businesses with several vehicles and drivers should opt for fleet insurance. This is likely to be less expensive than insuring by individual and vehicle but there are other factors that vary from insurer to insurer such as the class of vehicle.