The harsh reality is that cheap women’s car insurance is cheaper because women driver slower and safer than their male counterparts. It isn’t all doom and gloom though. If you aspire to compete with the women for the cheapest car insurance, there are a few things you can do to reduce your insurance quote.

First off, making your car “insurer friendly” is a good idea to attract the cheapest insurance rates. Being insurer friendly means having a vehicle which is not specially modified but is of normal manufacturer’s specifications. Spoilers, lowered suspension and fatter tires are a one-way ticket to more expensive car insurance.

Picking a car with a smaller engine will not only ensure that you slow down but will also give you cheaper insurance rates. Smaller engines cannot produce the same power as the larger engines which will mean you have a curtailed speed and acceleration whilst driving, two things that cheap women’s car insurance companies admire in their customers.

Keeping your car secure will also make it more insurer friendly. Most modern vehicles are fitted with immobilisers as standard but if your vehicle doesn’t have one then this can bring down your insurance. Parking your car off the road, preferably in a garage, will also improve the security of the car and reduce the chance of it being stolen or damaged accidentally.

Once you have made your car insurer friendly, it’s time to make yourself as appealable to insurers as possible in order to get the cheapest rates available. One way you can opt to make your car insurance cheaper is to increase the voluntary excess on your policy. By agreeing to pay more of the cost of repair should something go wrong, the insurer has less at stake, therefore offering cheaper rates.

Lastly, if you are really keen to get the same kind of rates offered by  cheap women’s car insurance providers, then the answer is to drive more like them. Slow down, be more defensive and rack up your no-claims bonus, that way you’ll soon be able to get very cheap car insurance.

Believe it or not, there are actually tons of perks that go hand in hand with the average car insurance policy that most drivers never take advantage of for one reason or another. Let’s take a look at those perks, and why ignoring them is one of the worst choices you could ever make!

RENTAL INSURANCE

If you were out of state and you happened to get in an accident, what would you do? Would you patiently ride with the tow truck to the garage, wait for them to check in your car then take a cab back to your hotel, only to spend the rest of your vacation either paying a fortune in cab fares or pacing the floor of your hotel room because you don’t have anywhere else to go? That’s no way to spend your time. Unfortunately, renting a car for the rest of that vacation doesn’t come cheap.

This is where your car insurance company comes into play. Many car insurance companies offer rental insurance along with their standard insurance policy at very little extra cost. With that rental insurance you can afford to rent a car for the rest of the time that your car is out of commission instead of being left scrambling while you wait for the mechanics and the insurance appraiser to catch up.

EMERGENCY ROADSIDE ASSISTANCE

It started with AAA, but it didn’t stop there! Emergency roadside assistance is something that every driver needs at some point or another, and since purchasing that assistance from companies like AAA has become so popular many car insurance companies have started lumping it in with their regular insurance packages. With emergency roadside assistance you’ve got someone to call when you’re locked out of your car, you’ve run out of gas or you’ve got a tire that needs changing, and you’re usually covered for (x) miles of tow assistance without any additional costs.

ADDITIONAL MEDICAL INSURANCE

One of the biggest bills that you’re going to have looming over your head after an accident is medical care. If you have health insurance through your job or your partner it’s not that big a deal, but if you don’t it can turn into a major problem. (Especially when you consider the fact that most emergency rooms charge you $500 or more just to step in and say hello!) With additional medical insurance through your car insurance company you’re insured against the bills resulting from your accident, and you can put the money in your savings account to use doing more important things.

Like picking up another set of wheels.

With all of these perks just sitting at their fingertips, why would anybody say no? Some people are afraid of the additional costs. Some people just don’t think it’s necessary. Some drivers have all of these services through other providers. Whatever the case, before you say no out of hand take a second to see what your car insurance provider has to offer. You might be surprised at just how easily you can make those perks work for you.

2. Filling out forms.

3. Dealing with the DMV.

4. Dealing with the police.

5. Reading police reports.

6. Reading medical records.

7. Looking up medical terms.

8. Looking for lawyers.

9. Looking for Waldo.

10. Thinking about what might have been.

Now here are ten actual tips of advice from a truck accident lawyer to follow if you have been in an accident. You can also learn more about how to handle a truck accident in Riverside County, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com and learning how we can assist you.

Obviously, if you have had an accident, and you are reading all of this advice, it’s probably been at least a few days since the accident. However, if it’s only been a few hours or if you ever have another accident, here’s what you should do the next time from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good truck accident lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good truck accident attorney can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good truck accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most truck accident lawyers advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a truck accident in Riverside County, Beaumont, Cherry Valley, Palm Springs, Palm Desert, Indio, Coachella, Rancho Mirage, La Quinta, Indian Wells, Cathedral City, Desert Hot Springs, Thermal, Yucca Valley, Joshua Tree, Twentynine Palms or anywhere in Southern California, we have the knowledge and resources to be your Riverside County Truck Accident Lawyer and your Palm Springs Truck Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.