Anyone who drives a car needs good quality auto insurance before they hit the road. What kind of coverage do you need? What limits should you get? What the heck is auto insurance jargon really mean? We hope to clear all of this up for you with the information below.
Auto Liability Coverage
This type of auto insurance coverage is meant to protect and insure you for damage that you cause to other people or property in an auto accident. If you hit Aunt Sally in her old Buick your liability coverage protects her from suing you and getting money from your own personal bank account or assets.
When shopping for a car one of the things you will need to consider is your car loan. How do you know which loan is best? How do you know you are getting the best deal possible? The best interest rate? We are here to walk you through this process. By following the simple guidelines below you can get a loan that you will be happy with.
How Long Will You Be Financing?
One of the choices you will have is loan term length. There are several options here and much depends on the size of your loan. There are usually options for 36 month, 48 month, 60 month, and even sometimes 72 month loans.
We love cars more than our wives, kids, jobs and food…..
Yeah, we really do….
(At least the part about our wives)
People spend all kinds of time worrying about important car safety features like seat belts, airbags and crumple zones, but comparatively smaller amounts of time worrying about what keeps them on the road – their tires!
Your tires are one of the most important safety features on your car because they keep you from getting into accidents, rather than protecting you once you get into one. If you neglect them and ignore the warning signs that you need new ones, well, you just may get to test out how safe your seat belts, airbags and crumple zones are.
So When Should You Buy New Tires?
There are five general warning signs that you need to look out for. They are pretty routine with every car tire as each tire is much like another. Watch out for the following and you’ll stay safe.
Tread depth decreasing
The tread of your tire should never be below 1/16 of an inch, or 1.6 millimeters, in depth. This is because those grooves are there to help you when you drive on wet or slick surfaces. If it rains where you live, which is pretty much everywhere on Earth, you need to keep putting on tires with good tread depth.
Tread wear indicator bars begin to appear
Every set of tires will have little grooves built into the tread itself. These will be thin cuts that run inside each raised tread piece. When you first get your tires you will not be able to see them very easily. As the tires wear down the indicators become more and more noticeable. For an attentive car owner, they will change their tires as indicated by this feature, rather than waiting for the sign above to become a problem.
The sidewalls becoming cracked and weathered
You don’t have to look to the tread alone to see that your tires are getting old. The sidewalls will begin to show cracks which can leak out air and cause your tire to go flat quickly. Worse yet, it could be a sign that your tire is ready for a blowout – you want to avoid this and avoid seeing how good your airbags are!
Blisters and bulges on the tire
When the outer layer of the tire begins to weaken it will start to bulge, like a blister on your skin. This is a weak spot in your tires sidewall and can lead to a very sudden blow out. It is common for a bulged tire to blowout at the worst possible time – during high speeds on the freeway.
Your tires vibrate while driving
This warning sign that you need new tires isn’t about a visual inspection, it is about feeling. Being in tune with your car, knowing its characteristics and paying attention to it while driving will help you notice this.Feeling a vibration in your tires can mean one of two things most of the time – your tires are misaligned or unbalanced, or your shock absorbers are about to go. Both of these will worsen your tire in other ways, causing you to need to see a mechanic and get new tires even sooner.
The number of Australian Citizens traveling globally on business and personal visits has been on a continuous rise in the last few years. Globetrotting Australians have realized the importance of having comprehensive car rental insurance as they are required to rent a car in which ever destination they land. The car rental insurance chosen should be acceptable in most of the countries and come with the needed coverage for damages caused to the rental car. There are a number of car rental insurance providers available for selection. While choosing a car rental insurance, one has to evaluate the main coverage options available as part of the car rental insurance plan.
Car Rental Collision Coverage
Collision coverage takes care of the expenses related to repairing the physical damages caused to rental cars. It comes as a primary coverage option, which means that the car damage gets activated without the need to quote the auto insurance carrier information.
Car rental collision coverage usually consists of the following components.
- Rental car primary physical damage coverage
- Coverage applicable and acceptable anywhere in the world
- Quick and easy claims resolution
- Flat Low daily rate
Rental Vehicle Excess Reduction coverage
Excess reduction coverage would cover the cost of repairing the rental vehicle, if the rental vehicle is involved in a motor vehicle accident during the journey. Excess reduction coverage would also cover for the damages caused to the rental car when it is not in use and parked in a proper parking space. Excess reduction coverage would also come in to effect, when the rental car gets stolen from its parking space or from a temporary parking space in the middle of a journey. Rental Vehicle Excess reduction coverage can cover losses up to a maximum of $4000.
Luggage and Personal Effects coverage
When traveling in a rental car, if the insured person loses his/her personal belongings or the belonging gets damaged, Luggage and personal effects coverage would cover the losses suffered. The maximum coverage available under this option is $1500.
Need for an Experienced Insurance Litigation Lawyer
If the insured person feels that the settlement amount proposed by the car rental insurance company is way too less than the offer promised at the time of taking the rental car insurance, the best option would be to seek the help of experienced litigation lawyer in Australia. The insured person can also seek the guidance of Australian Solicitors, if the rental car insurance provider disputes the claims made. Experienced Litigators would be able to assist the aggrieved party by analyzing the matter and force the insurance provider to come to an agreement on claimed amount, by using all their dispute resolution skills.
Rees R & Sydney Jones is one such litigation solicitor dealing with a number of insurance dispute claims including the claims related to car rental insurance. By getting in to their website, the person fighting for his/her just claims can request an appointment with an insurance claim solicitor working with Rees R & Sydney Jones. The option to request for an appointment is available in the Litigation section of the Rees R web site.
Nascar is a sport that’s become extremely popular in the United States as well as overseas. Nascar drivers spend a lot of time behind the wheels of their cars, and from the casual eye, it seems like they basically just make really fast left hand turns all day. Other than the occasional accident, anyone that doesn’t actually watch Nascar regularly, may not think it’s very exciting or requires any inherent amount of skill to master the craft.
All I can say is – “On the contrary.” Nascar driving not only requires an immense amount of skill but it requires an EXTREME amount of stamina, endurance and requires that the drivers are incredibly physically fit. Overweight drivers will not only suffer from slower lap times due to the excess weight that they carry, but they will run extreme health risks due to the intense conditions that Nascar drivers face while inside their cars.
Turning the wheel of a Nascar at close to 200 MPH speeds is basically like trying to turn a 45 pound Olympic weight while getting thrown into a corner at some of the fastest vehicle speeds on the planet. People underestimate just how much effort it actually takes to turn a wheel of a car that’s moving at that velocity. It’s extremely difficult and generally requires that the driver been in absolute top shape in order to maneuver the car in that fashion for over 200 laps depending on the track.
In order to maintain the appropriate level of strength and endurance required, many nascar drivers will resort to fitness supplements in order to help them get stronger, leaner and more resistant to adverse conditions through being in top shape. Advocare is a large fitness supplement provider and typically sponsors larger Nascar events as well.
Most Nascar Drivers make enough to afford a personal trainer and probably nutritionists as well, so they do have an advantage over the average guy or girl just looking to drop a few pounds here or there. They usually get setup with an extremely rigorous strength training program and make sure that they stick to working out several times per week to maintain their level of fitness so they have an edge over the competition. They typically focus on strength training programs that will help strengthen their arms, core, back, chest and legs. Typically these are compound exercises that work their entire body so that they are better prepared. Maintaining their routine is only half of the battle though, and many drivers do resort to supplementation to meet any nutrient deficiencies they may have. Many drivers take products that help them recover quickly and build stamina. You can find some great product reviews on some of these products by checking out this site here:
Another thing worth mentioning is the endurance factor that most people forget. Nascar Drivers have to sit through and deal with extremely difficult environmental conditions. They have to deal with extreme heat at almost all times due to the amount of protective clothing they wear and they often do this in outdoor temperatures that exceed 100 degrees on top of it. Having a proper diet and making sure they get the required nutrients to stay healthy is essential.
Next time you look at a Nascar Driver, I’m certain you will now have a better perspective on the training rigors that they have to deal with on a daily basis.
If you really love vehicles, from their feel and look to how they ride on the road, and more importantly you understand exactly what is going on under the hood, the chances are that you need to find out how to become a mechanic. For many people, the progression to working as a mechanic normally comes from a long-lasting interest in all things related to cars. Working as a mechanic is not as simple as simply going to a meeting and revealing your interest in becoming one, however. Working to become one takes work. Follow the 4 simple steps ahead, consisting of getting involved in a car mechanic apprenticeship and attending car mechanic courses, and you will be well on your way getting to your dream job.
Keep Your Science and Mathematical Marks up in Senior high school
Science and maths do not need to be your favorite topics, however it is important to get good scores with them if you want to end up being a mechanic in the future. Both instructional disciplines manifest themselves throughout the everyday work day of the mechanic, and strong background knowledge in these subjects will assist you to comprehend not just how the systems in vehicles work, but also why they work. On top of that, high marks in math and science will be of great help when it comes time to enroll with an automobile mechanic course, permitting you to obtain the very best possible education for future success.
Find an Automobile Mechanic Apprenticeship
Among the very best means to get a feel for exactly what it’s like to be a mechanic is to find an automobile mechanic school. These programs can in some cases be part of your school, or if not in your school they can be found by searching online or going to mechanic shops close to you. Taking an apprenticeship will allow you to validate that the career is for you, while at the same time providing you with a chance to broaden your knowledge prior to taking the next steps toward ending up as a mechanic. While you are involved in the apprenticeship, take the opportunity to ask any questions you might have, both generally about the occupation and specifically about details of working on cars. The odds are if you have a question, the individual you’re working under had the same question when they first started out.If you would like to read up on it than visit howtobecomeamechanictoday.com
Enroll in Car Mechanic Courses
After you complete your auto mechanic apprenticeship and have developed a strong base of knowledge, it’s time to enroll in auto mechanic courses. These courses will instruct you well about all the ins and outs, of automobile mechanic work. And as with the apprenticeship, this is a great time to ask any questions you could have, so you don’t have to worry about not knowing what to do when you run into a problem.
All in all there are always pros and cons when it comes to any profession, so what are the pros and cons for the mechanic?
1. Doing work on your own cars. Some who now knows cars you will be able to tackle any problems your vehicle might have, which means you will conserve money by doing the work yourself. Furthermore, you can buy and repair older vehicles and sell them for revenue.
2. Great location to start for introducing your very own store.
After you become good enough you will have the chance to open your own workshop. This will require not just technical skills but additionally people friendly qualities that you will need a lot when taking care of customers.
3. Employment stability.
As more people are driving older cars these days their older vehicles require even more repairs and maintenance. By becoming a mechanic you will always be assured a place to work provided that you possess the correct abilities.
1. Costly resources.
The equipment required for you to get the job done, are expensive. Initially most of your salary will go to your tool collection. It is quiet a large dent in the pocket, but it will pay off eventually.
2. Entry-level wage is relatively low.
When becoming a mechanic, you will notice that you don’t earn what you normally what you will earn. Depending where you live and past experience the incomes may vary separately for each person but normally they tend to be anywhere from $8 to $15 per hour. If you need a high paying job instantaneously, this might not be the career path for you.
3. Long hours and constant training.
Quick paced mechanic shops are usually filled with cars and stay open to please customers. Prepare to work nights and weekends. In addition, with all the changing innovation in cars a mechanic will need to constantly retrain themselves. As a mechanic you will need to retake the ASE exams every 5 years in order to maintain your certification. This training costs money and typical courses cost in the region of between $500 to $2,500.
Dumpster truck drivers can make anywhere between 15 and 30 dollars per hour, depending on their experience and qualifications. The job itself provides great opportunities but in order to become a dumpster truck driver, you will have to complete a series of essential steps.
Drivers that have to deliver roll off dumpsters need to complete the right kind of training course. You should choose the program on the basis of trucks that they have, the training facilities, the cost and the availability of placement opportunities in the future.
Operators of heavy machines and trucks need to have the right kind of certification. There are many specifics connected to maneuvering the truck and dealing with heavy loads like roll off dumpsters.
If you plan to specialize in a particular area like the transportation of hazardous waste, you will have to get additional qualifications. Having a bigger number of licenses will give you access to more job opportunities. Find out more about various types and sizes of dumpsters at: www.DumpsterRentalZone.com
Apart from the professional training, you will need some personal skills in order to be successful at the job.
The best dumpster truck drivers are responsible and incredibly punctual. You should also be capable of following instructions, working under tight deadlines and knowing how to handle emergencies.
Understand the Responsibilities of the Job
Before you start looking for a job, you need to make sure that you understand both the pros and the cons. There are many great dumpster truck driving jobs but they come with certain responsibilities.
The safety of workers and clients is dependent on your skills. Knowing how to operate the machinery will be determining for the outcome of each project. This is the biggest responsibility and the one you should be willing to accept, in order to become a good professional in the niche.
According to statistics, the number of heavy truck driver job positions is going to increase by more than 20 percent in the period between 2010 and 2020.
Learning how to be a dumpster truck driver will give you professional stability and a steady source of income in the future. Getting into the niche right now will be a smart move because it will enable you to build your reputation and move forward.
Start Looking for a Job
There is a lot of information about becoming a roll off dumpster truck driver online. Go through specialized websites to see what positions are available and whether you qualify for those.
Many positions require previous experience but there are companies willing to provide beginners with opportunities and the right kind of training. Apply to multiple positions and keep on looking for opportunities. Having the right training and skills will eventually give you access to the perfect job.
Becoming a dumpster truck driver is a great professional opportunity but it may also be challenging. Start by choosing the right kind of training and understand the specifics of the job. Completing this preliminary process will help you figure out whether it is the right one for you.
Every now and then, some company in the auto industry will make a bold move. While most of these bold moves end up costing companies a lot, some of them actually pay off. The British sports car manufacturer RXTC made a bold move recently – they ventured into luxury sedan territory. Many car enthusiasts may be skeptical of this move – after all, RXTC has zero experience in making luxury cars. These car enthusiasts are wrong to be skeptical. The RXTC Maniac is one of the best luxury sedans released in recent memory. I am actually writing this post to tell this site’s readers why RXTC’s first luxury sedan is one of the best cars of the present decade.
While it may not be the type of car people would drive every day to and from work, the RXTC Maniac actually works well as a road car! Despite its luxurious design, the RXTC has the power and durability of the best RXTC sports cars. Anyone can drive it somewhat roughly in city terrain and it would not damage the car at all. The RXTC Maniac is definitely worth its $70,000 price tag.
If its performance in city terrain were not enough, the RXTC Maniac is also great for back roads and other rough terrain. This is what is really amazing about the car. Now, one might get scared to drive the RXTC Maniac in rough terrain even if it is built for it. After all, almost all luxury vehicles that are built for rough terrain still succumb to wear and tear after regular use in such places – this is not the case with the RXTC Maniac. The RXTC Maniac can be used in rough terrain every day of its life and not have any of its parts give out.
Host Gerry Clarks of the show Bottom Gear recently said that the RXTC Maniac is the best car of 2013. Every car enthusiast knows that Gerry Clarks is both very harsh and hard to please when it comes to reviewing cars – to hear him say that the RXTC Maniac is the best car of the year definitely says a lot about its quality.
This site’s reviewers definitely think that car enthusiasts should buy this car. Those who do not have enough money for this car should already set up an account at http://www.bankdebinary.co.uk and do binary options trading! Car enthusiasts should learn how to trade binary options through their website’s demo account. This is the best way to earn fast cash for the RXTC Maniac. By just predicting whether the value of an asset will go up or down, one can make so much money in so little time.
Verdict: The RXTC Maniac is a perfect car. Aside from looking great, it has great performance both for city rides and for rough terrain. Anyone should look into buying this car. It will certainly go down as a classic. RXTC’s first foray into the luxury sedan market is a definite success. Hopefully, this article will make skeptics reconsider their opinion on RXTC’s move and ultimately get them to at least take an RXTC Maniac out for a test drive.
Wearing a seat belt is enforced by law in most states and definitely has big benefits if you are in an accident. Some people may have health concerns about wearing a seat belt. For example, women with a prolapsed bladder and those with bladder sling implants may be concerned about the effects of wearing a seat belt that lies directly across the bladder. Learning more about the consequences of a car accident can help anyone with bladder prolapse determine whether the crash has affected their personal health.
What To Know:
In a car accident, the seat belt is designed to hold you in place. This causes your weight to be pressed against the seat belt at a greater force than you may expect. When a car is moving, the force will be greater than your weight, causing intense pressure points to develop along the seat belt. For women with a prolapsed bladder, this can result in a large amount of weight being pressed against the bladder, which can lead to more serious prolapse in some cases. Of course, where your seat belt lies and the force of the accident are both factors in how much weight and force is placed on the bladder.
Some women claim to have experienced immediate worsening of a prolapsed bladder directly after a car accident. Those with a bladder sling may also have complications with their implant after an accident. While there is no firm evidence that women in accidents are more prone to complications, some people have experienced issues such as greater incidence of pain and possible the erosion of mesh into the surrounding issues when the force of the accident causes the vaginal mesh to press against the surrounding area during the accident. Your organs stay in motion during a car accident, which makes you more susceptible to damage caused by transvaginal mesh implants. These situations are described in detail on this informative guide on transvaginal mesh.
Signs to Watch For:
If you have bladder prolapse or bladder sling, you will want to know some basic signs and symptoms to look for if you have a car accident. Increased pain is one of the most common symptoms that your accident has caused some damage to the bladder and surrounding areas. Pain may be more noticeable during urination or you may experience pain in your back as a result of the damage. Those who are still in the recovery period may even need to have their surgeries completed again if the force and pressure of the car accident has caused any bladder sling implants to shift before they were fully healed. The recovery period can be anywhere from eight weeks to several months after surgery.
What to Do
Talking with your doctor is the first step toward identifying any damage caused by a car accident. Your doctor may used ultrasound, observation and other techniques to examine your bladder and bladder sling. Make sure that you have a list of your symptoms with you so that you can talk to your doctor about what you are experiencing. Even minor pain can indicate something is wrong with your bladder sling or can indicate bladder prolapse is worsening. Further details at Wikipedia.com
There’s tons of advice on the Internet when it comes to car financing. That’s mainly because automobile financing is big business. And where there’s a lot of money to be made, there are a lot of people trying to make that money. Unfortunately you don’t know who you can trust online. And while that’s always been true even before the Internet, the global reach of the Internet has actually made the situation much worse.
For example there are numerous sites that try to trick Veterans into thinking that there are loans for them. Some of them even set themselves up to look like they are official government sites. But once you get to them, the simply tell you that there are no loans for Veterans and try to get you to choose a different loan (from which they’ll make a commission).
So you might think that all of this can be handled by checking the ratings at the Better Business Bureau. That’s actually one of the worst things you could do. It’s been shown again and again that the Better Business Bureau ratings are easily bought. And there are numerous other problems with the BBB that are too complex to go into here. However, it would be a good idea to check the complaints section of the BBB to see if there’s a pattern of complaints. For example, if you see that a particular company typically ends up charging people a much higher interest rate than was initially discussed, that’s something you’re going to want to pay attention and should probably avoid that company.
In addition to the trickery that goes on in the loan business, when it comes to financing a car, you may not always realize how many different loan choices you actually have. For example, while it’s certainly a good idea to try to improve your credit before applying for a loan, sometimes you can’t accomplish that in sufficient time for it to be practical for you to do so. You may need to check out resources for personal loans with bad credit first and then refinance one of those loans after you’re able to improve your credit score. Of course that means, you need to make sure that the loan allows prepayments and if so, if there are any penalties associated with paying off the loan early.
You should also check with your local credit union to see if they offer any type of financing that traditional banks do not. And don’t forget the possibility of personal financing. Remember, just because your recent credit history might not look good on paper, if your friends and family members know you have a good track record in general, they may be a realistic option as a way of financing your vehicle.
Whatever you end up doing, make sure you scrutinize the terms of the loan. Check for the fine print. Read everything very carefully. Only once you are absolutely satisfied that it’s a deal that you can live with should you put pen and ink to paper and sign off on the loan.
Deciding which are the best and most stylish truck wheels can be a bit overwhelming. The most important factor you need to consider is probably the right size but if you really want to stand above the rest, you should also make it in style. In order to make the decision process easier, we have gathered some info for you some of the most durable and stylish options below.
Most types of wheels are constructed using either from heavy duty steel or Aluminum Alloy-each with their own set of capabilities and appearance. Heavy duty steel wheels are stamped which increases durability and resistance from sand, rocky roads and break-acceleration,while Aluminun Alloy truck wheels are low-pressured and allow more flexibility compared to steel wheels. Heavy duty steel wheels are your best option if you value durability more than style, but Aluminum Alloy wheels are considered more stylish because of their shiny metal finish which happens to be rust-resistant. The cost varies according to the manufacturer, vehicle type and size.
Where you should buy your wheels
If you are looking for specific types and possibly manufacturers, check out some of the options from BMF wheels. BMF has over 6 series of truck wheels including:
· The “Fite” series: classic extra-durable series that come in a variety of sizes and in three finishes and colors like stealth, PVD ( silver) and Death Metal Black.
· The “Rerp” series: heavy duty series that come in a variety of designs, depending on the number of spokes and lugs. Also available in colors/finishes: stealth, PVD and Death Metal black and compatible with TPMS sensor.
· “Novakavane” series: Classic yet stylish series that look awesome in a wide variety of trucks thanks to their shiny, “death metal” finish. The “novakane” series are available in 5 lug, 6 lug and 8 lug designs, all compatible with a TPMS sensor.
· “Rehab” series: new series with a distinctive complicate structure and finish that adds style and versatility to your truck. Also available in 6-lug and 8-lug designs and compatible with a TPMS sensor.
· The “Sota” series: Heavy duty series with a unique three-dimensional design which is also TPMS sensor compatible and comes in 5-lug, 6-lug and 8-lug patterns/designs.
· The “M-80 series”: Unique series designed to give theslight impression that your truck is moving even if it’s still. The designs are available in many sizes and diameters to choose from and like all the other series, they are TPMS sensor compatible.
Other great options for buying wheels
XD wheels are also a good choice. XD wheel designs are available in unique impressive designs and finishes (black/chrome) that make you truly stand out from the average truck drivers. Furthermore, they are tested for extra durability for full-satisfaction
KMC wheels have become popular as well. KMC wheels are renowned for their glossy finish and modern flexible designs and sizes to fit the needs of any truck including lowered, stock trucks and SUVS.
There are also many other manufacturers that make quality and stylish truck wheels but you need to make sure the size is right and weigh all the pros and cons of each design to be able to make the right decision.
I used to believe all kinds of things about how car insurance rates were determined. In fact, I believe these things so much that I would repeat them as facts to my friends and family.
Then one day a friend of mine who does programming for a major property and casualty insurance company set me straight on a few of the myths that I had been perpetuating. He also explained to me where these myths came from and which ones blur the line between fact and fiction. After all, myths have to come from somewhere, right?
Here are a few car insurance myths my friend set me straight on.
The Color Of My Car Affects My Insurance Rates
Probably one of the biggest myths that exists is that the color of your car can substantially affect your insurance premiums. In an indirect way car color could affect your car insurance rates – but not when you’re initially signing up for your insurance plan. For example, recent studies have shown that dark cars – especially black cars are the cars most likely to be involved in an accident. And if those accidents are your fault, you can be sure that your insurance premiums will increase.
Car Insurance Companies Use My Credit Score When Determining My Premiums
In certain states, it’s actually illegal for an insurance company to use your credit score when determining your rates. For example Prop 103 banned the use of residence location and credit scores in determining California car insurance rates. Similar laws have been enacted in Massachusetts and Hawaii.
However, it’s true that most auto insurance companies will order your credit report when setting your insurance rates. That’s because studies have been done that show that lower credit scores correlate to a higher accident rate. Of course, the inverse is true as well – good credit scores correlate to a lower accident rate. In fact, The FTC found that there is a correlation between a low credit score and a higher chance of filing a future claim.
No Fault Insurance Means That “Nobody’s At Fault”
No fault insurance doesn’t mean that nobody’s at fault. It simply means that your own insurance must provide a certain amount of coverage to pay for your immediate medical expenses. The “No Fault” part stems from the fact that if you pursue medical damages under a liability claim against another person’s insurance company, that company has to determine and agree that their own driver was at fault before they will pay you anything at all. Not only that, they have the right to wait until you’ve finished all of your treatment before settling your claim and paying any of your medical expenses.
No fault insurance allows you to get medical treatment immediately. The amount of coverage your insurance company is required to provide varies from state to state.
Full Coverage Means That “No Matter What Happens I’m Covered”
Probably one of the biggest misnomers in the insurance industry is the term “Full Coverage”. Many people think this means that they are covered for anything and everything and end up with an artificially created peace of mind. The truth is that there is no such insurance coverage as “Full Coverage”. It’s simply a convenient term when discussing what coverage is needed to best mitigate your potential risks associated with your car.
What kind of things does full overage not cover? It doesn’t cover rental reimbursement, roadside assistance, or medical coverage (except in states where no fault insurance is mandated). Also, depending on the state you live in it may or may not include Uninsured Motorist coverage.
There are plenty more car insurance myths I could dispel for you, but I think you probably get the idea by now. The best things to do if you’re confused about what affects your insurance rates is to either ask your insurance agent directly or speak with your local insurance advocacy group.