Category Life Safety Tips

Finding the Best Possible Car Insurance Plan

If you own a car and want to find an insurance plan that fits your needs, you need to shop around and ask a few questions. Otherwise, if you choose a random provider, you will overpay and not enjoy the best possible coverage for your situation. With these four tips, you can find the best possible car insurance plan.

Look at five or six companies: When you want to find the lowest price with the best service, you need to shop around. To do so, either head online or call up a local insurance broker. Then, explain your situation, in detail, and ask a few questions. Provided the insurance salesperson knows what he or she is doing, they can find you a low price. On the other hand, if you head online, you will find a great deal if you provide an honest assessment of your situation. Either way you approach this, when you obtain multiple quotes, you will land the best deal.


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High deductible: Unless you are prone to getting into car accidents, you should sign up for a policy with a high deductible. Think about it, if you have a $500 deductible, the insurance company will want to make money off you in another way. On the other hand, if you carry a $5,000 deductible, you can pay a lower monthly premium as the insurance company will feel safer knowing you will need to pay out of your pocket if an accident occurs. Of course, if you are an unsafe driver or don’t have much money in the bank, consider a plan with a low deductible.

Inquire about discounts: Insurance providers often offer motorists steep discounts. This is true whether you are a student or have a stellar driving record. Other times, senior citizens or military veterans can enjoy lower rates. However, to know for sure, you will want to contact the insurance company and explain your situation. Often, the agent will offer other ways to save money. Either way, with a simple five-minute phone call, you can save yourself plenty of cash.

Find one offering reliable service: Finally, while tempting, don’t choose an insurance provider with ultra-low prices and bad service. Instead, when choosing a company, read reviews and ensure that the provider offers top-notch customer service. Otherwise, you are out of luck if you need to file a claim.


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With these four simple tips, you can find an excellent deal on your next vehicle insurance policy.


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Taxi Safety Tips for Women

There are constantly news reports about women being raped, murdered, assaulted or just robbed while in a taxi. While even the safest people might fall prey to these crimes, there are many things that you can do to keep yourself safe. Following our last article about How To Ensure Safety When Taking Maxi Cab, we provide you more taxi safety tips for women, and If you follow these tips, then the likelihood of you having any problems will significantly decrease.


✓  Licensed Taxis

This is probably one of the best and most basic tips. There are many unlicensed taxi drivers that are willing to give you a ride for a fee. While some of these drivers might just be trying to make some extra money, the truth is that most crimes occur when women get into unlicensed taxis.

How do you know the taxi is licensed? Look for a medallion or metal piece that shows that the car is registered with the local police department. The lettering on the car should be permanent and the driver’s identification should be clearly visible.

When you make a booking with a taxi company (refer to, you should also ensure that the driver is from the company that you called. Some people will intercept dispatchers to steal customers. You can do this by checking the taxi number on the car.


✓  Alone and Drunk

Taking a taxi seems like the most responsible thing if you’ve been drinking, but being drunk and alone with a driver that you don’t know is a recipe for disaster. Even legitimate drivers might take advantage of the situation. If you do plan on drinking and getting a ride home, then ask someone to go with you. Having two or three people in the cab will make the driver less likely to do something illegal or inappropriate.


Taxi for Girl✓  Passenger Seat Problems

This happens much less than it used to, but some taxis allow you to drive in the passenger seat. This can sometimes be convenient, and it might help if you have motion sickness. At the same time, this makes it much easier for the driver to do something to you.

While you’ll still be close to the driver, it’s much safer to sit in the backseat. Not only will it be harder for the driver to do anything while driving, but he or she will have to get out of the cab and come around to the back to do something to you. This gives you a few seconds to run or defend yourself.


✓  Hide Expensive Things

Most taxi drivers don’t make a lot of money, and theft is a common problem in some regions. You might love your diamond tennis bracelet or expensive watch, but hide it when you’re getting into a taxi. This significantly reduces the likelihood of the driver trying to steal the item from you. People with expensive items are frequently targeted by drivers, so tuck the items away until you’re out of the cab.


✓  Conclusion

There are many drivers and illegitimate taxis to worry about, but the truth is that most taxi drivers don’t want to hurt you. If you are safe and keep your guard up, then you shouldn’t have any problems when getting a ride.

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