Auto Insurance

Cancelling An Auto Incurance Policy

Cancelling an auto insurance policy should be painless. Life always throws you a hardball at one point or another and you may need to cancel your auto insurance policy. A few examples of this is you sell your car or your parents pass way. Every insurance agency has a different policy on cancelling your auto insurance but there steps you can follow to make sure it goes more smoothly.
The first step you should take is to contact your insurance agenauto insurancecy. Call your agency and let them know you want to end your coverage and when you want to do this. Do not let your coverage end without telling your insurance. If your policy goes without payment they could report this to the credit agencies.
Second, you should follow you insurance agencies lead on the cancellation. Every agency does cancellations differently, so find out how yours does them. Agencies have their own way of doing cancellations so just follow their lead on doing so.
Next you can ask for a refund. You can do this if there is a death in the family. An example would be if someone dies and there is a few months left on the policy. You can ask the agency if they would refund the rest of the money left on the policy.
Finally you should contact the Department of Motor Vehicles, also known as the DMV. This all depends on what state you live. If you sell your vehicle you may also want to turn in your license plate and registration tag. Just call your local DMV and see what the procedures are.
These are the steps you should take if you want to cancel your auto insurance policy. If you are in need of auto insurance please contact Gulf Coast Educator Insurance at   239-591-0963.

Changing A Flat Tire

How To Change A Flat Tire

Have you ever had to change a flat tire on your car? Some people have never had to change a tire, or do not even know how to start or finish a tire change. There are a few basic steps on how to change a tire.
1. Find a safe place to pull off the road. When you pull off the road make sure you are completely off the road. Do not pull on a hill or an incline, the vehicle needs to be on flat ground. Be sure to set your parking brake, and turn on your haflat tirezard lights.
2. Get your tools. Get the jack, wrench, and spare tire. Put your tools where the tire is flat.
3. Loosen the lug nuts with a wrench. First, you need to remove you hubcap. Then, loose the lug nuts but do not completely take them off just loose them. If you are not sure which direction the wrench needs to go, turn it counter-clockwise. Sometimes to lug nuts are too tight to loosen, stand on the wrench while on the nuts; your body weight will help loosen the lug nut.
4. Lift your vehicle off the ground with the jack. Once the jack is in place, jack your vehicle about 6 inches off the ground. Jack your vehicle enough where you can spin your tire freely.
5. Remove the lugs nuts and the flat tire. Once your vehicle is jacked up you can remove the lug nuts, make sure you put them all in the same place so none of them are lost.
6. Put the spare tire on and put on the lug nuts. Put the spare tire on, line up the lug nut posts and push the tire all the way to the wheel base. Next, put all the lug nuts on but do not tighten them.
7. Lower your vehicle to the ground and tighten the lug nuts. Lower your vehicle to the ground using the jack and remove the jack from under your vehicle. Tighten the lug nuts now that your vehicle is back on the ground. When tightening your lug nuts tighten 50% then move to the opposite nut (across the circle), keep doing this till the lug nuts are as tight as they can be.
8. Put your tools and flat tire back in your trunk. You have completed your tire change. Put all your tools and flat in the trunk. Remember the tire you have on your vehicle is a spare and not a tire to be driven on for a long time, it needs to be replaced.

Test your Tread, Do the Penny Test!

How To Do The Penny Test

The penny test works wonders. Have you ever wondered if your tires are to worn and if you should get new tire? Did you know there is a simple test that you can do at home to see if your need new tires? It is simple to do, let’s talk about how this test is done.

The old way to test your tires was by using a penny. Flip the penny testpenny over with Lincoln’s head down toward the tread. Next, you put the penny down between the grooves in your tire, if any of Lincoln’s head is missing your tire tread is less than 1/16’s of an inch and you should replace your tire. Lincolns head should be visible for your tires to be ok to drive on. This test is out dated now.

The new test suggests you use a quarter to test your tires, only because they say you should replace your tires at 2/16’s of an inch. It is exactly 2/16’s of an inch from the top of Washington’s head to the edge of the quarter. The new test is done the exact same way as the penny test. Flip the quarter down with Washington’s head downward and place the quarter between the tread. If any of Washington’s head is missing you should replace the tire because it is unsafe to drive on.

Why should you perform this test on your tires? You should perform this because it is dangerous to drive on worn tires. When your tires get worn down they lose performance and traction. Losing traction means you could hydroplane and cause harm to yourself or someone else. Check your tires and be safe on the road.

 

Drunk Driver’s are on the Rise

Your Car Will Know Your Drunk in the Future

One-third of fatal crashes are caused by alcohol and fatalities topped 10,000 in 2012 due to drunk drivers. More and more people today are driving while impaired. A conviction of driving under the influence can cause you to lose your driver license and make and car insurance more than double. One day in the near future you may not need to take your friends keys to keep them from driving, there are car will tell them if they are capabledrunk driving of driving. The National Highway Traffic Safety Administration recently extended its agreement with automobile manufacturers to develop the Driver Alcohol Detection System. Two different types of technology are being worked on by researchers; they both would detect you blood-alcohol content through either touch or breathe. The technology would detect if you blood-alcohol level is above the legal limit of 0.08 percent. The system would be different from alcohol detecting interlock systems; systems like this are placed in people vehicles which are convicted of driving under the influence. With those types of systems you have to blow into a tube and if you are under the limit the vehicle will start. Researchers say that, “the new system must be accurate, unobtrusive, and completely reliable.” They also say that, “the aim is to stop a drunk driver from getting on the road in the first place, rather than arresting them after the fact, or worse yet, after a crash.” At the end of 2013 the program was extended for another five years. Mothers Against Drunk Drivers is one of the organizations helping to make the Driver Alcohol Detection System. Researchers estimate they will have a vehicle equip with both a touch based technology and breath based by 2015. Hopefully this system will prevent the fatal crashes that kill people every year.

Common Causes of Car Accidents

Don’t Be The One To Cause A Car Accident

Driving accidents happen every minute in every day. An estimated 10 million people are involved in car accidents every year. Car accidents are also the leading cause of teenage deaths. The story is always the same, it’s not my fault. Several studies from the U.S. say the number one cause of accidents is you, not a wet road or a pot hole. Accidents can happen for almost any reason. Let’s talk about the most common causes of car accidents.

Distraction:

The number one cause of car accidents is distraction while driving. This includes talking on the phone, texting, eating, or slapping the mosquito on the windshield. It also includes having a conversation with your passenger. You are 23 times more likely to get in accident if you are texting while driving and 4 times more likely if you use a hand held device. Pay attention to your surroundings especially if you are in the busy city but rural accidents are possible as well.

Speeding:

Most everyone today has a need for speed at one point or another. A third of all accidents in the U.S. are caused by speeding drivers. Give yourself enough time to make it from point A to point B. Ask yourself this; is 10 minutes worth your life?

Drunk Driving:

Drunk driving is the most dangerous act on the road today. Mothers Against Drunk Drivers estimate that 300,000 incidents of drunk drivers happen daily. Drunk driving is completely preventable; you could call a taxi or a friend for a ride. Drunk driving not only endangers your life but others as well.

These are only three causes of car accidents, there are too many to count. While driving on the road an accident can happen at anytime and anywhere, know your surroundings where ever you drive.