Things To Remember While Driving

Things to remember while DrivingOne major thing to be considered specially when you are the owner of a vehicle and the car is being used extensively is, your car insurance. As every state mandates the car drivers to own car insurance, even Georgia asks for a legal comply with a car insurance policy much before you drive on the roads of Georgia.

No matter how low the premium might be, an inexpensive policy does you absolutely no good if the insurance company cannot cover your claim when your car has been involved in an accident. You should choose a car insurance company which is financially sound, has a history of providing good service and charges a fair rate.

  • No Cell Phones : You need to concentrate more on your driving if you are a young driver. It is mandatory that you should use hands free when you are using cell phones. Though you use hands free while driving the car it is very dangerous to to talk over the phone.
  • Practice Well :If the young drivers practice their car well, more comfortably they can drive the car. Practice your car well by driving regularly.
  • Two-Second Rule : Use two-second rule to judge how much distance you should maintain from the vehicle ahead of you. Calculate how long it will take to pass the spot where the vehicle ahead of you was present.
  • Be Courteous : Roads in Georgia are no joke, you should be a courageous driver. While turning make sure that you switch on the indicators so that the other drivers are indicated about your actions in advance, giving them warning.
  • Don’t Drink & Drive : DUI is serious matter in Georgia because this may lead to suspension of your license, you may be fined with huge penalties. Remember to drive safe and smart!

Making Your Home Safe

  • Making Home SafeDecision on Coverages: Be a judge and decide how much coverage is required for your dwelling instead of over insuring your home and loosing your money. If you do not insure with necessary and enough coverage then you may face huge financial crisis. Make a note of coverages that is required for your home, contents and personal property because these will effect your Georgia home insurance premium.
  • Deductibles: When you claim for insurance the amount which you will pay from your pocket will be deductible. For example if you have selected comprehensive deductible to be $100 and if you have undergone a loss of $250, then you will have to pay $100 from your pocket and remaining $150 will be payed by the insurance company. Select your deductibles wisely.
  • Discounts: To reduce your premium you need to select the discounts in a smart way. By obtaining discounts you can lessen your premium. Every home insurance company provides discount. Ask your agent in order to know how does your policy benefit you. By installing safety devices such as dead bolts, anti-theft alarms, burglar systems etc you not only protect your home but will also obtain discounts on it. If your house is located near to fire station, fire hydrant, even these factors will lessen your burden.
  • Packages: Each home insurance company offers different packages. All packages have wide variety of options while choosing your coverages. You need to select required coverages smartly. Along with basic coverages you have additional ones such as additional living expenses, personal liability, property damage and medical payments.
  • Shop for your insurance: You can get to know about home insurance from your State Department of Insurance. There are sources such as telephone directory, yellow pages, local agents and newspapers who will help you know about insurance.
  • A check on your insurance: If you get your home insurance then it is not the end. You need to study about the company and its policies once in a year. Keep checking about the coverage plans also.