Car insurance companies have been looking for ways to connect those dots for over a decade. What is new is the use of embedded telematics technology to take reporting out of the hands of the driver (who might inclined to fudge the numbers) and hand it over to a totally objective computer chip. With the prevalence of smart phones and wide-spread cellular server networks, the cost to do so is feasible for a growing number of insurers. Progressives Snapshot product has been available in all U.S. markets since March, AllState introduced Drive Wise in Illinois this spring, GMACs OnStar uses a telematics program and State Farm uses the OnStar technology. SafeCo of Seattle recently signed with Italys Octo Telematics, which has installed more than 1.2 million of the devises in car throughout Europe. Other insurers, such as American Family, are also testing the telematics platform. In exchange for plugging a telematics device into your cars diagnostic port, car insurers are offering car insurance premium discounts ranging from 30% to more than 50%. Among the things measured are the miles you drive, speed, braking habits and time of day you drive.
Car Insurance Interest
(WGEM) –Jacksonville’s loss is Western Illinois’ gain. All-State guard Olivia Kaufmann officially became the newest member of the Leatherneck women’s basketball program at a ceremony held at Jacksonville High School Thursday afternoon. Kaufmann comes to Macomb after setting Jacksonville’s all-time scoring record with more than 2,100career points while breaking program benchmarks in three-point field goals and assists. Western head coach JD Gravina feels his squad just got a whole lot better. “Olivia can flat out score which we love about her. She can shoot it deep, has almost unlimited range, she’s a good passer, and she can attack the basket. I also think Olivia has a lot of potential defensively,” Gravina said. “She’s just a good athlete (and) she comes from a good athletic family. I think as she adjusts to playing man-to-man defense at the Division I level she’s going to be a really nice player for us.” Kaufmann was the Springfield Journal-Courier Player of the Year after averaging 22.5 points and more than three assists, and three rebounds, a game last season. She’s the third recruit to sign with Western for the 2016-17season. Can’t Find Something?
For the original version including any supplementary images or video, visit Jacksonville’s Kaufmann brings scoring touch to WIU basketball – WGEM.com: Quincy News, Weather, Sports, and Radio
Looking For Home Improvement Tips?
While you may not feel you are the home-improvement type, there are various tips you can use to make whatever project you want to work on more enjoyable and safer at the same time. Arm yourself with the proper information to make your home projects go smoothly and safely. Peruse the home improvement advice included in this article for help.
It’s vital to have a good drill when you are doing home improvements. This tool will create different-sized holes by using screws, as well as utilizing special attachments for driving the screws. A good cordless power drill with the right drill bits for Phillips and flathead screws is ideal.
You might find it easier to construct your own window screen if you can’t find a replacement in the size you need. Frame kits allow you to cut the frame to any size, and the screen can be attached using an inexpensive too and cording. Certain widows require particular kinds of screens, but, if you desire, you can add on an additional external screen with the use of easy to install adapters.
Remember that you’re responsible for keeping records of your home improvement project, even if you have a professional doing the actual work. Don’t assume that your contractor will maintain proper records. Keep copies of every invoice or contract relating to the project. That way, you can keep tabs on the progress of the job.
Do not forget your chimneys, downspouts and gutters. Keeping these parts of your home in good working order and making repairs as needed is crucial. A dirty chimney is more likely to catch fire and clogged gutters can cause water damage.
Focus on the front porch if you are thinking about home improvements. This is one of the first areas of the home that people notice when approaching your home. Keep your porch clean and add tasteful enhancements. Flowers, nice furniture and great lighting can be used to dress up an otherwise boring and bland porch. Your home will be worth more if you make these changes.
It is very important that the contractor estimates you get are all based on the exact same work to be done. Create a detailed list of what you want improved and make sure that list remains the same for each contractor. If you change things you want for each contractor, it will be tough to compare between them.
After reading this excellent advice regarding home improvement, you can move a bit closer to realizing your home improvement goals. This article should give you the know how on home improvements and doing it right.
CHRISsadowski/E+/GettyImages Forgetting gap insurance The value of any new car drops significantly after it’s driven off the lot — and leased cars are no exception, says David Jacobson, CEO of CU Xpress Lease in Hauppauge, New York, which originates and services car leases for credit unions. If a leased car is stolen or totaled and the car insurance company makes a payment for the value of the car, that sum may not cover the consumer’s total obligation under the terms of the lease, he says. The driver would likely have to pay the balance out of pocket unless he has gap insurance. In that case, the policy would cover the difference, he says. At the beginning of any car lease, consumers should ask if the contract includes this specialty gap insurance coverage, says Jacobson. If it doesn’t, the customer should consider looking for a car with a lease plan that does. “There is exposure without gap insurance,” he says, “so I would not lease a car without it.” FREE CREDIT SCORE: Don’t get ambushed by a bad credit score at the dealership. Check your credit score and credit report first at myBankrate for free. lissart/E+/GettyImages Underestimating miles you’ve driven According to Jacobson, many leasing companies are able to advertise low monthly payments because they have low mileage limits.
For the original version including any supplementary images or video, visit Leasing a Car – 5 Dumb Car Leasing Mistakes to Avoid | Bankrate.com