Telematics Car Insurance Transitions Poor Drivers into Higher Level

telematics car insuranceCar insurance has never been a product which focuses on helping drivers be better drivers.  It has served drivers in a very specific way over the years and this will not change any time.  It is there for drivers involved in car crashes and other unfortunate incidents.  Poor drivers however, now have a way to change the function of car insurance.  They can experience this through the use of a new car insurance product called telematics pay as you drive car insurance.

Telematics car insurance is now helping poor drivers reach a new level.  We all have been in such situations and those times can lead to driving records which can look tarnished.  All along we could be thinking we have perfect driving records, and not have them.  Telematics is making sure this is not taking place and additionally taking care of drivers after car crashes just like traditional car cover.

Telematics car insurance is that rare product which is now making car insurance an advanced product.  Since car insurance is typically a product not resembling anything with advances behind it, telematics is blasing a trail of significant proportions.

Poor drivers typically have no place to go after they become drivers with bad driving records.  They often end up with cover that is high priced.

Now, there is a consumer product which can help poor drivers restore a better driving record.   Telematics can be found online at any time.  It is growing in popularity by the week.

Could Buying A New iPhone or Android Influence a Young Driver’s Safety

iPhone and Android phonesDistracted driving is dangerous and one of the worst distractions to take on while driving is using a mobile phone.  Could the mere type of phone a young driver owns determine the likelihood of their being more distracted than if they had a different one?  It could if you take into consideration the usage of the smartphone they own and if it is brand new.  So before you buy the new iPhone 5 or latest Android smartphone consider if the young driver can be disciplined enough to keep it out of view while they are on the road.

The new iPhone 5 will be released on 20 September but the latest iOS 7 is going to be made available today.  According to some experts testing the new iOS many of the current iPhone apps are likely to crash with the latest update.  Could crashing apps cause someone to be distracted enough to keep their phone in “play” while trying to drive?  We’d hope not but the reality is that for some people the focus on a lack of operation of a favorite social media app, game or texting app could be a distraction they think they can handle while on the road.  Since young drivers would more likely consider a crashed and non-working app to be important than older drivers then the distraction could be the one that causes an accident.

Having a new smartphone in hand could be a major distraction.  Mobile phone owners report they are more likely to be distracted on the road, with other people, while walking and at work when they have a new phone.  Knowing that new phones cause more distraction could be valuable knowledge to a parent of a young driver.  Consideration of the fact should trigger a parent to remind a young driver frequently to not be tempted to give the new phone attention over their responsibility to drive safely.

A study by Pew Internet & American Life Project reported that of those in the age group of 18 to 29 years of age, 30% felt that a mobile phone made it harder to focus on a single task without being distracted.  The percentage fell to 18% for 30-49 year olds, to 13% for 50-64 year olds, and 5% for those 65 years of age and older.  Once more it reinforces that mobile phones in themselves are distracting, especially for younger people.  Putting them out of reach, turning them off and being disciplined to not use them will keep all drivers, especially inexperienced young drivers, safer on the road.  No text, app, or smartphone is worth losing a life over, not even the new iPhone 5.

Telematics Car Insurance Enables Drivers with Poor Histories to Change their Fate

telematics car insuranceEvery driver on the road has a different driving history.  Some drivers have spotless driving histories with no penalties and some drivers have histories with multiple penalties.  Unfortunately drivers are unable to go back in time just like everyone else.  But if they could, they might make different choices resulting in better overall histories.  Until a working time machine is invented, drivers must live with the split second decisions which are made and will affect car insurance rates in the future.

A new car insurance which is available and could be the answer to many poor driving histories is called telematics car insurance.  This new car insurance product is still becoming known to drivers of all types.  Drivers who have many years’ experience to young drivers just getting started are learning the benefits of telematics are above and beyond anything else on the market today.

Drivers with poor histories can possibly change their fate related to car insurance cost by trying telematics car insurance.  It calculates cost based on how safely a car is handled now, not in the past.  The past cannot be changed, but telematics is here to help drivers wanting to make a change in their driving habits.

A small device is mounted to the inside of the insured car and monitors driving habits like speeding, braking and cornering.  These habits are the base habits for good safe driving and are heavily weighted when considering how safely a driver handles a car in general.  An insurer evaluates these habits by looking at the data collected by the small mounted device.  Drivers can earn rewards presented to them by the insurer in the form of discounts applied to future car insurance costs.

Does Fashion Week Influence Your Car Color Choices Next Year?

fashion week determines colorsFashion Week is in overdrive this week in New York City and ends today.  Top designers from around the world are showcasing next season’s top looks, trends, and of course colors.  Designers and those in the depths of the fashion world would have you believe that what they do influences more than just the style of clothing that will be hanging on the racks and mannequins over the next year or so.  According to them, the colors on the models walking down the runways this week will influence our lives from our home décor to the color choices of our cars.

Fall Fashion Weeks have a circuit that circles the globe.  This week is New York, and next up will be London with other major shows in Paris and Milan.  This season’s shows will be highlighting the designs for Spring 2014.  While luxury shops and boutiques will offer the latest designs in a few weeks, most of the population will have to wait for “knock-off copies” to show up in department stores and clothing stores in the spring next year.

The newest choices on the car market will soon be unveiled and offered in a few months as 2014 models begin to appear on car seller lots around the world.  The colors expected to be popular are indeed the same ones that were showing up on the fashion runway earlier this year.  Deep bold colors will be offered versus the earth tones or understated color choices of the year before.  The color names can be as inventive as the colors showing up on the runway, with a good example demonstrated in the color choices of the 2014 Chevrolet Corvette which include Black Sterling, Crystal Red, Night Race Blue, and Velocity Yellow out of a choice of ten new colors.

If you are planning on buying a car next year or the year after then it might help your plans along to pay attention to the color palette presented at London Fashion Week September 13th through the 17th.

Telematics Car Insurance Takes Car Insurance to a New Level

telematics car insuranceCar insurance has been taken to a new level.  It is called telematics pay as you drive car insurance and it is growing in popularity by the week.  This type of insurance is breaking the mold as traditional car insurance has been seen.  No longer does a driver see something positive happen with car insurance only after a car crash.  No longer does a driver feel their car insurance just sits there whilst the driver pays month after month of expensive car insurance premiums.  This new insurance is setting a new standard for the entire industry.

Telematics pay as you drive car insurance has completely restructured how car insurance is viewed by the everyday driver.  It is now a tool which can result in big benefits.  This new insurance is not able to help just the good driver who does nothing wrong behind the wheel.  It can help drivers who have a poor driving history to reap the same benefits as those who are good drivers all the time.

Telematics pay as you drive car insurance has a unique way of offering benefits like no other product.  It involves a small mounted device which is installed into the insured car.  It monitors driving habits of the driver at any time they are behind the wheel.  The data collected is evaluated by the insurer for evidence of safe driving.  When the driver is seen as a safe driver, he or she becomes eligible to receive valuable rewards which are extended to them in the form of discounts applied to future monthly car insurance premium costs.

Telematics can be found online for research or purchase.

Telematics Car Insurance Worthy of a Look for Parents of Young Drivers

Young drivers have a tendency to drive with more vigor than the average driver.  To that end, young drivers are riskier to insure than the usual driver who is getting behind the wheel each day to drive back and forth to work.  Young drivers are also more likely to get involved in car crashes than other drivers.  Statistically speaking, young drivers are more likely to be in a car crash within six months after receiving their licence.  This makes it difficult for car insurance providers to view them as attractive to insure.

Parents of these young drivers are constantly looking for a way to cut the high cost of car insurance.  A possible option for parents of young drivers is a change in car insurance providers.  Many providers still offer the traditional insurance product which relies on age and other personal factors to determine cost.

Telematics car insurance is an option many parents are still unaware of.  This insurance is based on a small mounted device to monitor driving habits.  Habits like speeding, braking and cornering are just some of the many habits which telematics is aware of.  Insurance providers are able to see how safely a car is being handled through the telematics device which is mounted in the insured car.

When safe habits are present, the driver is eligible for rewards to be passed their way.  This is the motivation behind telematics car insurance.  Safety handling a car equates to saving money.  Rewards are passed to drivers through discounts applied to future monthly premium costs.  Telematics car insurance is relatively new to the market, but continues to turn heads through the potential benefits it offers drivers, especially young drivers.

Young Drivers are Speeding and Need Monitoring to Deter the Behavior

Young drivers are at risk on the road.  They are the least experienced drivers on the road and are according to many studies the most likely to be distracted and be involved in an accident on the road that involves a fatality.  Blame is often put on distracted driving behaviors such as texting or talking on the phone.  Having conversations with passengers and being distracted with talking can also be a distracted driving behavior that can have dire consequences.  Drink driving and driving under the influence of drugs can also be a deadly combination.

Throughout all the warnings put upon young drivers and the concerns of those of authority to try and keep them safe on the road, one dangerous behavior is being overlooked and that is the habit of speeding.  Speeding is dangerous.  Young drivers are guilty of speeding even when not under the influence of distracted driving, drugs or alcohol.  The behavior can quickly become a habit and in some instances the driver believes they are in much more control of the road when speeding than they actually are – being under the delusion they can react as necessary if needed despite their speed.

For parents concerned about speeding, a solution to their search for peace of mind when their young driver takes to the road could be found in telematics car insurance.  Telematics car insurance for young drivers gathers data through a GPS device on the driver’s habits while on the road.  By following safe driving habits a driver can gain rewards from the insurance provider of savings on their insurance costs.  The monitoring of the driver digitally every moment they are in the car helps keep young drivers aware of following safe driving habits.  Some policies offer parental alerts when an unsafe driving event occurs.

Young drivers may be ready to start their journey to adulthood and have the honor of taking to the road but it doesn’t mean that don’t still need reminders from parents to keep safe and be equipped with tools to keep them safe.  Seatbelts keep them safer.  Safety features on cars are sought out.  Perhaps telematics car insurance should be a top consideration as a safety tool as well if it helps to keep young drivers from speeding.