Driving Tips for Snow and Ice

Driving Tips for Snow and IceHighest car insurance costs are recorded in the state of Louisiana. Being a densely populated state, specially with more drivers in the urban areas more number of accidents takes place. Louisiana is an expensive state with high cost of living hence the medical expenses, car repairs and costs of litigation will also be high.

To drive in winter season it is really very difficult. Follow some of the tips to drive safely when the roads are slippery.

  • See and Be Seen : See to that you brush the ice and snow off your car, so that it is visible while driving the car in traffic. Hot water cannot be used for your windshield. Turn on the defrosters to soften the snow and ice and later, to clear the windshield use plastic scraper.
  • Slow Down : When you are driving the car in normal condition, you should maintain a distance of four seconds between your car and the car ahead of you. When you are driving in winter roads, increase the distance between the car to 8 seconds. This means that you are driving slowly, but driving this way in winter road will keep you safe and secure.
  • Get Unstuck the Right Way : Do not spin your wheels when there is snowfall. You will get into trouble if you spin your vehicles. Try to find out the resistance between the ground and car. Try to clear the snow which is around the wheels and drive the car.
  • Tackle a Skid the Smart Way :Try to follow the below steps when your car skids.
    1. Do not panic.
    2. Do not apply brakes.
    3. Turn the steering in the direction you wish to go.
    4. Wait till the car slows down so that you can regain the control of the car.

Pain in Switching Over Different Insurance Companies

Switch to the Best PolicyDue to many reasons you may wish to prorogate your car insurance policy. The reasons could be, you are not satisfied with the services given by the company you are bound with, if you are relocating to different state, sometimes you may be bugged with the car repairs and totally with car itself, so you no more require a car insurance. But it is better to intimate the insurance company in prior because later you may have to pay loads of money for the lapse. This will affect your credit score recordings also.

Before Switching

Written notice should be sent to the insurance company about the date of cancellation when the policy is active. Do not assume that you are safe by just canceling the insurance  not paying the next month’s bill. The next month’s payment will have to be paid in advance if prior notice is not given for the cancellation of the policy.
If you are planning to switch over to another insurance company, and planning to drive the car the entire process, make sure you do not miss to pay car insurance because lapse in the insurance will affect your premium. If your credit history is not good, insurance companies will list you in the risky zone. So make a note of the starting date of the new insurance policy and ending date of the old insurance policy. Therefore pay your premiums on time and be in the safe zone.

To cancel the policy, first call up your insurer and tell them that you want to cancel the policy. Give them the date when you want to cancel your policy. Insurer will give you cancellation form. Read and fill the  details properly before you sign. Also ensure by asking them whether they charge for canceling the policy in the middle  of the term. If you are fetching better benefits from other insurance company its better to switch .