CAR INSURANCECar InsuranceThe most exciting moment of our life is when we learn how to drive and actually get on behind the wheel. Who wouldn't insist to learn to drive especially we turn to the age of 15 or 16. I was really excited when my dad taught me how to drive. When I actually started the first turn on the road, I realized that driving was not easy for me. Since that time, I had told myself that I should not drive so fast on the road because I might get an accident. In order to become better drivers, it is not really necessary that we are men or women. It is the skill of driving and how well trained of driving that person can achieve. We can always remember that learning how to drive is one thing, but learning to be a good driver is asking a person a lot of accomplishment. According to the article, "Women are better Drivers," Phyllis Mcginley states that women can achieve a better accomplishment than men for driving an automobile. I do not believe the idea that the author had stated in the article that women are better drivers, that discriminates against young male drivers.
In North Carolina, car insurance companies base their prices on experience, charging more for less experienced drivers. The highest rates fall on the largest group
Another girlfriend of mine, Dong, who has to work to support her car insurance, thinks the insurance pricing system is too expensive. "Car insurance is ridiculous," she said. "When I started driving, my dad paid and it was only $200-$300 a year. When I switched to my mom's car, my insurance tripled," she said. Dong is one of many students at San Jose State University that I knew. There are many other teenagers have gone through a rough time dealing with this issue. They have to pay such a high rate for car insurance in order to drive to work, to school, or to run for their own errands. My another girlfriend's father, Mr. Vo thinks that car insurance for teenagers is too expensive. Mr. Vo also thinks there should be more ways of reducing car insurance prices for teenagers. "They should give good students and safe drivers a discount," he said. Actually, there is 15% discount rate for the students who would get B's average. This would be depending to the Insurance Company policy. For example, the 20th Insurance Company does not have this policy.
Some students were forced to drive without paying their car insurance because they didn't feel like they should have to, "I will not pay for something that I didn't get into any accidents before." But I do believe that a person wouldn't learn if he didn't pay for what he caused it. For example, Hau is responsible and willing to do whatever it takes. He caused an accident a year ago and is still paying the difference of the increase in his car insurance. "It was pretty high, like $150 more each payment," he said. "I had to get a job to cover it." Hau will have to pay about $1,000 more a year because of an accident he was recently involved in. "I don't mind the fact that it goes up," he said. "I mind the fact that it goes up when I pay money for my car to get fixed."
There are good drivers and bad drivers. There is no different between men or women because the statistic is just a small sample to draw a conclusion the standard point. No one has a good overview, so we just cannot assume that "women are better driv"
Market Demand
According to Kotler (2000), there are more than 90 varieties of market demand across five different space levels and three different time levels. For example, market demand may be for the short-term or long-term and it may cover a region, state, or the entire country or globe. With respect to market potential, market potential is defined as ôthe set of consumers who profess a sufficient level of interest in a market offerö (Kotler 2000, 62). Despite market potential, potential consumers must have access to product and have available income to afford purchasing it.
With respect to market demand and market potential for car insurance in Carson, California, a survey of demographics for the city helps define the ôavailable marketö û the market of consumers with access and income to afford the product. Sixty percent of the 66,988 residents of Carson who are 16-years of age or older, or 40,590, are employed (Profile 2000). Of the 40,590 employed residents, 36,500 of them commute to work with 73.9% driving alone and another 18.2% relying on carpooling.
How to buy
Many people look forward to buying car insurance about as much as having their wisdom teeth pulled by a dentist named Dr. Pain. Today I intend to show you how to take a lot of the sting out of purchasing car insurance by arming yourself with a little knowledge. Many people believe car insurance is a simple as black or white, either you have "liability" or "full coverage". In fact there many important options in between. In becoming informed you will need to know how to research, and what questions to ask. The three key considerations when purchasing car insurance are price, coverage, and company.The first key consideration when buying car Insurance is price. According to Glenn Hardman at San Diego Insurance, "There is no one company that has great rates for everyone." He further stated, " It really pays to shop, shop and when you've had enough shop some more. And if it sounds to good to be true it usually is." Different companies target different age and risk groups, so while one company has a good price for your friend, they make not have a great price for you. Usually 10-15 quotes will probably give you a good range of prices to choose from. The fifth is towing and rental reimbursement. The second key consideration when buying car Insurance is coverage. Towing provides a flat amount of coverage per disablement and rental reimbursement pays a specified amount per day in the event you need to rent a car while yours is being repaired. "In conclusion if you spend a little time checking out the three key components of buying car insurance price, coverage and company, you can avoid a lot of headaches later especially in the event of an any accident. Comprehensive pays in the event of fire, theft, and vandalism or anything collision does not. Many people with equity in their homes or with other assets will opt for greater coverage such as 100/300/50 as shown below. Do they have separate sales and customer service departments? Paula Meeks at Gateway Insurance states that "Agencies with separate Sales and Service departments tend to insulate their sales people from the service needs of their clients as well as not holding them accountable for agent errors. Both are expressed in thousands of dollars. If I was to hit a pedestrian in the crosswalk this coverage could run out in a hurry and I would be held liable for anything the insurance didn't cover. One way to evaluate the quality of a company is to inquire about their "Best" rating. Liability pays in the event you hit and injure another person or damage there vehicle, and is required by law of every driver in California. According to the AM Best company web site, Am Best is one of a few an independent companies that assigns a rating to each company.
