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Every driver needs car insurance, regardless of the motor vehicle they are driving. If you are the owner of a sports car, you will need car insurance just like everybody else, if not more so! Sports cars are expensive, and if you have an accident you will have to pay out a lot of money for repairs or a replacement. When you purchase your sports car, you need to approach the insurance company of your choice immediately. Prior to your decision on which insurance company to go with, you must obtain a few comparative quotes. With a few quotes in hand, you will make a more informed decision. Remember that the cheapest quote is not necessarily the best one. You need to look for value for money in your policy. Requesting a higher excess will secure you a lower premium, and vice versa. Although you will need to ensure that you can afford the cost of the excess if you decide to make it high. It is a good idea to keep aside a small savings account, for emergencies such as these. Where a sports car is involved, you know you are going to pay a lot of money on even the smallest repairs. In some cases, your insurance company may not cover the repairs for certain damages. You can't run away from the fact that you are going to pay a bit more for your premium for a sports car than other people would with a normal motor vehicle. The point is that sports cars usually move faster than other vehicles, making them more dangerous on the roads. Statistically, speed is one of the leading causes of motor vehicle collisions. Therefore, if you have a car that is capable of going very fast, the insurance companies will have to stick it with a higher premium tag. Furthermore, you have to also remember that sports cars are favoured by thieves. The parts are sold for a lot of money, making them popular theft targets. This also contributes to the higher premium. In order to keep your premium as low as possible, you need to ensure that you lower your car's risk profile. A lot of sports car owners are enticed to modify their vehicles to look better or go faster, but this is bad for the insurance premium. A modified or enhanced vehicle will have a higher premium because it is faster and therefore more likely to be badly damaged in an accident. Furthermore, modified and enhanced vehicles are higher theft risks too. If you DO modify your vehicle, you need to inform your insurance company immediately. If you have an accident and they find that you did not inform them of modifications on your vehicle, they may not have to pay out. The best thing you can do with regards to your theft risk is to install a top of the line security system in your vehicle. A good alarm system, immobiliser and tracking device should help substantially lower your premium. There are many benefits to being a sports car driver, and by all means, enjoy your motor vehicle to the fullest. Always remember to be safe, and adhere to the road rules to prevent being in a collision.

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How to Drive Safely in Fog?
Driving in fog can be quite scary. Here are some tips on how to drive in fog.

Before driving anywhere, look up the weather conditions. Fog usually occurs in the morning or in the evening. You can also find the areas that tend to have more fog. Usually, beach towns will have denser fog.

Allow more distance between your vehicle and other vehicles. Do not rush to get through the fog. You need this extra distance to be able to respond to any emergency situations.

There is very little visibility. It is incredibly important to drive cautiously in fog. If necessary, adjust the defroster and windshield wipers to improve visibility. Do not speed. Since your visibility is down, you may not be able to respond quickly to any emergency situations.

If your vehicle is equipped with fog lights, use these lights. These lights are usually mounted lower. Fog lights have a wide and flat pattern to minimize reflection. These lights illuminate the road better than standard lights. If you do not have these lights, use low beam lights. In heavy fog conditions, it is not a good idea to use high beam headlights. The fog will simply reflect back the light from high beam headlights. If the fog thins, high beams may be used.

When there is low visibility, it is natural for drivers to drift out of their lane. Focus and stay in the middle of your lane.

It is especially drive distracted in foggy conditions. Your visibility is already low. Distractions will prevent you from quickly responding to any surprises. Focus on the road. If you really need to engage in a distracting activity, simply pull over.

Animals are much harder to see in these conditions. Be careful of any brave animals that may try to cross the road. Colliding in animal can be quite dangerous for the animal and you.

In certain areas, fog can cause the roads to freeze. Be careful of slick roads.

If you really cannot see, you should just pull over and wait till it clears. It also helps to use the side of the road as a guide. If you have passengers, ask them to help you navigate. Stay calm and you should be able to navigate thick fog.

These conditions can be very scary to drive through. Thankfully, it is not a very common occurrence. If you experience foggy driving conditions, it is best to remain calm and drive cautiously. Remember these tips and you should be able to drive safely.

car insurance Car insurance can be very costly for first time drivers. Insurance companies realize that new drivers are high-risk, so they charge them accordingly. Until a new driver gets some experience behind the wheel, they can expect to pay higher rates, but there are a few things that they can do to lower the cost. This article will share 3 tips that are sure to keep a new drivers rates as low as possible. 1. Buy a safe car Insurance companies realize that drivers who drive fast cars want to go fast! Therefore, they label drivers who own sports cars as risky drivers. Also, SUV's have had a terrible history of rollovers, so they consider drivers who own SUV's as risky drivers as well. If you are a new driver, you should start your driving career with a safe car. Get a car that has a small engine, do not customize your car at all, and stay away from SUV's! Sure, you will not have the coolest car on the road, but you will be safe and pay less on car insurance. 2. Invest in security For every security feature a vehicle has, the cost of insurance will drop. Simply adding an alarm system can make a drastic impact on the cost of an insurance policy. A vehicle that is equipped with multiple air bags can also expect lower insurance rates. If you are a new driver, you should never buy a vehicle without air bags. If the vehicle that you purchase does not have an alarm system, invest in one! The cost of an alarm will be paid back in the form of lower monthly insurance payments! 3. Avoid Claims Once you get an insurance rate that you can afford, do your best to avoid making any claims. When it comes time to renew your policy, you can expect your rates to go down if you have not made any claims. The best way to avoid making any claims is to drive safe. Follow all of the laws, keep a good distance between you and every vehicle around you, and stay alert! If a minor accident does happen, try to pay for the damage out of your pocket. This is especially important if the cost of the damage is lower than the cost of your insurance deductible. The life of a new driver can be very exciting, but it can also be very expensive. Auto insurance is required by law, and it is not cheap by any means! However, If a new driver purchases a safe, secure vehicle, and they avoid making any claims until they build their credibility as a driver, they can lower the overall cost of their insurance.