What's the relation between the driver's age and insurance quotes?

Auto insurance quotes can vary greatly as they depend on numerous factors. Some of these factors are more obvious while other may raise an eyebrow in customers who don’t share the insurance providers’ logic. And some of these factors may even seem a bit discriminatory. Such is the status of driver’s age, which is a topic for heated debate between customers and insurers. The thing is that depending on your age only you can get very different auto insurance quotes while choosing the same amount of coverage for the same car. At times the discrepancy can be double the amount, so it really gives a headache to certain groups of drivers who are unfortunate to be of a certain age. But before you start arguing with your provider it is recommended to learn why exactly it is so.

Insurers regard the driver’s age as a determining factor for their driving skills and experience. This link is based on the statistical data accumulated throughout the decades and thousands of auto insurance claims settled. The rule of thumb is that the older is the driver the less likely he or she is to produce an accident due to the accumulated driving experience. Of course, as with any rule there are many exceptions, and there is also a point when age starts to deliver a negative effect on driving skills. But since the majority of distinct age group representatives correspond to this rule, auto insurance providers charge people differently depending on their age.

The most vulnerable group of drivers in this perspective are the teens aged below 25 years. According to general statistics, young drivers tend to be more aggressive in traffic and produce more accidents due to lack of skills and experience. That’s why they always get the highest auto insurance quotes. Another vulnerable group is comprised of the elderly drivers aged over 65. At that point people start developing conditions that decrease their reaction speed and awareness, so more accidents are produced because of that. Still, while getting high auto insurance quotes, senior drivers usually get good discounts from insurance providers to neglect the negative financial impact of costly insurance.

The group that benefits the most from their age are adult drivers aged between 30 and 55. It is the most productive period of life for many people when enough experience is accumulated for being a safe driver. But as previously mentioned, it doesn’t necessarily mean that all drivers of that age are perfect drivers. And there may be other factors involved rather than age when calculating auto insurance quotes for them.

Peculiarities of non-owners car insurance policies

Driving is a privilege. When you do something to have your license revoked it is usually a game changer. You might feel trapped, as if you are no longer independent. Yes, you can ride the bus, walk, ride a bike, or ask friends and family to get your form here to there. By the time you have the chance to get your license back you are ready to do almost anything.

You will probably have paid a hefty fine, and may even need to take a safe driving course. (The safe driving course should help you secure relatively cheap car insurance.) For most states, the ‘almost anything’ is proof of liability insurance. You will probably need proof of insurance in order to get your license re-instated even if you no longer own a car. Generally, you will need to carry that insurance for at least 3 to 5 years despite not owning a vehicle. In that time you are required to buy a non-owners car insurance policy , sometimes called a SR-22. SR-22 is the document that some states require you to carry at all times when you are driving, along with your license.

Most insurance companies sell non-owners policies. They usually go to people who have lost their license, or someone who travels a lot and uses rental cars, borrowed vehicles, or vehicles they do not own for several days a month or multiple weeks per year.

Non-owners auto insurance policies are a liability policy. You are insured for any damage to property or to a person that you inflict resulting from a collision you caused. Like all auto insurance you pick the maximums you think are best for your situation. Remember that liability limits mean that is the maximum dollar amount that the insurance company will pay for a claim, not the maximum amount awarded, or total costs of an accident. If you choose a policy that has maximums below the actual costs, what you own privately may be used for compensation to the injured parties.

SR-22 or non-owners policy is not a collisions policy. It does not cover the cost of repair to the car that you were driving. Nor do they cover an automobile that is registered in your name or one that the owner’s residence is the same as yours.

If you recently re-gained your license and is ready for a cheap car insurance purchase, ask if the companies you are reviewing line with the SR-22 requirements of your state.

Reasons For Volunteering

Reasons For Volunteering

Many thousands of people all around the world choose to give up some of their spare time to help charities and causes close to their hearts. There are all sorts of ways people can volunteer, and for many, the tangible and immediate difference their efforts make to their chosen organisation is really appealing. Its not just about helping out at the latest fundraiser however, there are  many other reasons that people volunteer:

Getting to know people in your local community.

Volunteering often allows you to meet and work alongside like-minded people in your local community. Working for a particular cause  means that you are very likely to meet others who share your interests. Very close friendships are formed through volunteering… and some even find romance!

Improving your local area.

If you volunteer locally particularly with environmental and community charities there are often very tangible benefits right on your own doorstep.

Volunteering helps to build the sort of communities we want to live in.

Learning new skills and developing existing ones.

The skills you learn volunteering can often be applied in other areas of your life. It also allows you to use your existing talents and abilities in new, creative and interesting ways. It also helps to develop your confidence and social skills.

Improving your employability.

Volunteering looks great on your CV. As well as demonstrating an altruistic side to your character it shows get up and go. Volunteering can help people to gain some really valuable experience this can provide something different and interesting to talk about at an interview.  This is particularly useful for young people and students. Its not just for those new to the workforce however. Volunteering looks good whatever your position in a company or level of experience. Employers are looking for people with passion. Being able to talk passionately about a project you have been working with can make a real difference.

Having fun

Its often forgotten how much fun volunteering can be. This is important for all charity groups to remember. Keep it fun and keep your volunteers happy!

So there you are  there are always loads of volunteering opportunities out there: just waiting for someone like you. What are you waiting for?

Neill Wilkins

Don't overlook such car insurance cost factors as car and passenger safety

When checking car insurance quotes many drivers aren’t very conscious about the pricing mechanisms involved. Most of them tend to think that the rates they are charged with are determined by the insurer in a rather chaotic manner. Of course, it is quite the opposite since insurance companies use strict rules and formulas when calculating car insurance quotes. Many factors are used in the process, some of which the car owners simply overlook when looking for a quote. And that’s not the best way to shop around for car insurance if you want to get affordable rates. Surprisingly, one of the most commonly overlooked aspects of car insurance is car safety and security, which can play a crucial role in your final rates. Let’s look a bit deeper into this aspect to learn why it’s so important.

The aspect of security involves two categories: vehicle security and passenger safety. Vehicle security is associated with the risk of car being stolen or broken into and is affected by different factors such as local auto theft rates, the car’s security features, the place of car’s storage and others. Passenger safety determines the risk of the people inside the car getting severely injured in course of an accident and involves a whole set of variables including car model safety rating, factory-installed security features, overall passenger safety and others. Depending on these two variables your car insurance quotes may be higher or lower, since they determine the risk and amount of coverage the insurer faces when insuring your car. And it’s evident that if you take steps to improve these features you will be able to get more affordable insurance rates.

Improving the security and safety of your car

To improve the safety and security of your vehicle in fact is not so difficult as you may think. Well, it’s true, when buying a car that had all the blows and whistles coming straight from the factory, you’ll have to pay more for the extras. But you can also install additional devices on your own. For example, getting a better alarm system or additional seatbelts for your car won’t be that costly. But it sure will affect your car insurance quotes in a very positive way. The more features you introduce, the more pronounced the effect of improved safety and security will be. Still, you should always ask your insurance provider about which gadgets and features they will license and take into account and which won’t affect your rates. You don’t want to waste your money in vain, don’t you?

Volunteering in Africa

Volunteering in Africa

“The world is a book and those who do not travel read only one page.” – Mark Twain. Most volunteers who go abroad, like to volunteer in places where they feel they can make a difference. This is what makes volunteering abroad a noble choice for many. Apart from volunteer work, there are also a number of other things that one can do in these countries. Here we will look at a number of countries in Africa and what one can do while volunteering in these countries.

 

First off we look into volunteering in Kenya. Kenya has a lot to offer a volunteer not just in terms of volunteer work but also as a tourist destination. First off on your arrival to the capital city Nairobi you will be eager to visit the Nairobi national park, only a few kilometers away from the Nairobi town center. While in Kenya you can trek the snow heights of mount Kenya, visit Fort Jesus in Mombasa, a Portuguese fort, built in The 1593,visit the ancient Gedi ruins, a historical town founded in the 13th century, do some water rafting and enjoy the sandy beaches, all within your volunteer visit.

 

Next up we move to West Africa, where we have Ghana.

Ghana being one of the faster growing democracies in Africa at the moment has a lot to of tour sites available to anyone who travels there. All from your arrival at the capital in Accra, you can head to visit the Nkuruma mausoleum. In addition to the mausoleum  you can go to any number of these famous attractions;  Elmina Castle which was a slave trading, shipping center for the slave trade to America ,the West-African museum at Cape Coast Castle , Kakum National Park with its canopy walk, the oldest mosque in West-Africa at Larabanga, the waterfall at Kintampo , sail with the ferry from Akosombo all the way up north on the Volta lake, visit the lagoons in the Volta estuary ,take a visit to Navrongo with its Roman Catholic Cathedral made out of clay  and spend some time on their  lovely beaches from Half Assini till Aflao .

 

South Africa has many beautiful places that a volunteer can visit. Doing volunteer work in Africa’s leading economy comes with a number of attraction’s that can help take your mind off of any stress you may have as a result of your volunteer work. South Africa has within it numerous sites such as the Kruger national park, which has more species of wildlife than any other one in Africa, taking in the view along the Garden Route, which runs along the beautiful coastline in south-western Cape. The narrow coastal plain is also well forested, and mostly bordered by extensive lagoons. You can also make a visit to the cape wine yards, or drive down to the Kwa Zulu natal coast for scuba diving and snorkeling, among other numerous tourist attractions in the country.

 

Lastly we take a look at Morocco in the northern end of the continent. While in Morocco then one of the best places you can visit during your volunteer work are the imperial cities of Marrakech, Fes and Meknes. Other than these famous attractions, one can take Sahara desert tours, trek through the atlas mountains, or if you enjoy beaches and the ocean just make shore excursions from Casablanca, Tangier and Agadir ports.