Driving

The Car Expenses That New Drivers Need To Expect

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Getting your driving license is an exhilarating feeling. You finally have the freedom to own a car and head out on the road. The sense of independence is worth the cost of owning and maintaining a car. However, you shouldn’t underestimate just how big that cost can be. The initial price of the vehicle you purchase is just the first expenditure of many. So, if you want to ensure that you’re prepared to own your very first car, these are the expenses that new drivers need to expect.

The initial purchase.

As mentioned in the introduction, the initial price of the vehicle you choose to buy is only the first cost you’re going to face. So, you need to consider the initial purchase of your chosen vehicle carefully. It’s easy to be enticed by a cheap deal, especially if it’s a new car or a model that you’ve been eyeing up for a long time. However, you need to think about the operational costs of the vehicle. How economical is the car? How many miles can it cover to the gallon? You should also do some research on a specific model of car before buying it. See how reliable it is. If repairs are going to be frequent and expensive, then it might not be a cost-effective purchase.

If you want to be fiscally responsible, you should also focus on the things that are included in the purchase. Some dealerships throw in added features with the purchase, and some don’t. You need to make sure you don’t buy a vehicle and later discover that you’re going to have to pay much more money for the features that should come as standard in modern cars. For instance, safety features and navigational features should be included in the initial purchase. Do your research before buying a car, and ask the dealer or the independent seller the right questions. It sounds obvious, but you need to know what you’re buying. A car purchase can be a very complex transaction. You want to ensure that your money is going as far as possible. You need to expect that it’s going to be a costly investment, of course, but you could save yourself a lot of money by planning ahead to ensure that your vehicle will be economical in the long run.

Coverage.

This is one of the most important expenses to get right if you want to protect yourself, your car, and your money. Unexpected things can happen when it comes to cars. They can break down without warning, or you can find yourself involved in an incident without warning. You have to be prepared for this. When making your initial car purchase, you should weigh up your insurance options before signing the contract. Use price comparison websites to ensure you’re getting the best coverage for the best price.

Of course, in the event of a road accident, you might need more than insurance to protect yourself and your assets. You might need assistance from a car accident lawyer. Whether you’re to blame for an incident on the road or not, it’s wise to seek legal protection so that you can ensure your assets are protected. Road incidents are very common, even if it’s just a matter of a minor bump or scratch. However, the expense faced as the result of such an event can be very high. So, you need to be prepared for that and get the necessary coverage to protect yourself. Even if you weren’t significantly injured in an incident, you’d probably need financial support to cover medical costs as well as repair costs for your car. That’s why you need to seek the compensation you deserve.

Servicing.

Another expense that drivers need to expect is a regular servicing cost. Or, at least, if you want to keep your vehicle operating safely and effectively, then you should expect this cost. Whilst modern cars can run reliably for longer than older cars, it’s still important to get your car serviced on an annual basis. You might only opt for a full service from time to time, but an interim service (which is less extensive) can still be costly. You can’t avoid taking your car to a specialist for servicing on a regular basis, but you can reduce the expense by looking after your vehicle. The better you get at self-maintenance, the fewer repairs and part replacements it’ll need over the years. That’s the best way to save yourself money on your car.

Adulting

A Mum’s Guide To Staying Safe On The Roads

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Dear mums,

You don’t need us to tell you how important safety is when it comes to your children. Especially when you’re out on the roads where the risk of an accident could be high, you do need to take care. With this in mind, here is our safety guide. Read it, heed it, and take the appropriate steps to keep your children safe!

 

1. Replace your car (if you need to)

Replacing your car might not be your preferred option, especially considering the stress and expense involved when buying something new, but if your car is more than ten years old, or is showing signs of wear and tear, then for your children’s safety, you might want to consider an upgrade. Newer cars come equipped with modern safety features such as rear-facing cameras (useful for when you need to check on your kids in the back), emergency braking systems, and crumple zones that can minimise the damage caused to you and your little ones in the event of an accident. You don’t have to buy the newest car on the market of course (unless you can afford it), as you can still buy something reasonably up to date even though it’s second hand. Be sure to buy from a reputable used car dealer akin to Motor Mill, however, as you need the peace of mind that you are buying a car that is fit to drive and not likely to break down soon after leaving the dealership.

2. Keep your car maintained

To alleviate the risk of any accidents on the road, you do need to look after your car. And while there are some maintenance jobs you can do yourself; you should still take your car to the garage every so often to make sure everything is working as it should. We appreciate there might be an expense, but when it comes to the safety of your children, they should be the priority over any cost that might be incurred at the garage.

3. Be mindful of distractions

Your biggest distractions are probably your children. When they kick up a fuss in the back seat with temper tantrums and those blessed words “I’m bored,” you could easily take your eyes off the road, and that could lead to an accident. If they do start to create a fuss, you should pull over when it is safe to do so to sort out any problems. However, you might also want to read this article on keeping your children entertained, as there are plenty of ideas within to focus your children’s attention in the car. Your other biggest distraction will be your phone. When a text comes in or if you receive a phone call, you might be tempted to take one hand off the wheel to grab your mobile. DON’T!! Install a hands-free system in your car if you need to take calls, but otherwise, turn off your phone when you’re driving so you will be less prone to distractions.

4.  Don’t drive when you’re tired

You don’t need us to tell you how exhausting it is being a mum. With much to do in the day and chances of reduced sleep if your kids keep you awake at night, you might find yourself running on empty! It’s something many of us get used to, but when it comes to driving, you need to be mindful. While you might not fall asleep at the wheel, you might still make some mistakes if your concentration drops because of your tired state. Therefore, resist the urge to get in the car if you don’t have the energy. When it comes to the school run, walk the kids to school or get a taxi, and consider the same for any other journey you need to make. Then, to give yourself a fighting chance of getting some decent shut-eye, follow this sleep guide and commit to other research online for tips to help you.

And so…

Make safety your #1 priority. Follow our suggestions in this article, and then look for other ideas online to keep you and your little ones safe when you’re out in the car. And if you have any other tips for our readers, do the right thing, and remind us of them in the comments section below.

Take care, and thanks for reading!

 

Family

Choosing Your Family Car

A car can be essential for families. Between the school run, weekend sports matches and just needing to get around, your car will be an important part of your family.

Choosing the right car for your family, therefore, is a big decision that shouldn’t be entered into lightly. Take note of the following advice to help you make the best decision when choosing your family car.

Image Credit: Unsplash under Creative Commons

How big does it need to be?

Family cars need a lot of space, but you might not have thought about how much in detail before. For smaller kids, you’ll need to consider fitting in prams and pushchairs, making sure there’s adequate storage, etc. Not only will you need enough space in the boot, but making sure you have wide enough doors will also be a benefit further down the line when you’re trying to get the kids in their car seats. Look at the current top family cars to give you an idea of what’s out there and which cars are best sized for your needs.

What about the running costs?

We all know that cars can be expensive, so a family on a tight budget needs to consider the running costs of the car. A car that’s going to guzzle petrol is not a good investment, so you should look at the alternatives. A hybrid or an electric car is a good way to keep ongoing costs down, but the cars can be more expensive to buy in the first place. Look at ways to reduce your car insurance costs as one way to tighten your budget and help you manage the financial aspects that come with car ownership.

Should you buy new or used?

There’s a lot to consider when deciding to buy a new or used car. A new car will be fresh and take longer to need maintenance, but an older car could be a lot more cost effective. If you look at the cars at Drive Pay, you’ll notice that there are some excellent deals on used cars. Cars last much longer these days, so you could get an excellent deal by buying a used car instead of a brand new one.

Consider comfort

Comfort isn’t something to sacrifice when it comes to your family car. From having comfortable seats to a top entertainment system, you need a car that provides comfort for every eventuality. If you’re going to embark on long journeys regularly, consider investing in tablets or other forms of entertainment, otherwise, you could find yourself facing some very long journeys indeed!

Buying a new family car is an exciting experience, but it’s important that you get it right. Make sure that you take the time to test drive cars, read reviews and check that it meets all of your criteria before you make the final decision. You’ll rely on your car much more than you realise, so make sure you do the right thing by you and your family.

Uncategorized

8 Ways To Keep Your Car Insurance Costs Down

Photo by Simon Stratford on Unsplash

Aѕ саr іnѕurаnсе іѕ expensive, mоѕt consumers dо nоt wаnt tо uѕе іt. Buуіng thе rіght соvеrаgе іѕ іmроrtаnt, but іt соѕtѕ mоrе tо gеt a nеw іnѕurеd саr. Gіvе bеlоw ѕоmе tірѕ thаt саn hеlр уоu save mоnеу оn уоur саr insurance. Rеаd on for the cheapest car insurance.

Annuаl fее

Yоu саn сhесk out ѕоmе wеbѕіtеѕ tо соmраrе dіffеrеnt online іnѕurеrѕ. Whіlе уоu саn nоt get a quote rіght аwау, уоu wіll gеt a rеѕроnѕе ѕооn frоm thе соmраnу’ѕ аgеntѕ. Уоu maу wаnt tо соnѕіdеr making a rеlаtіоnѕhір wіth a gооd іndереndеnt agent as thеу wіll hеlр уоu tо check thе tоn rаtеѕ оf carriers. This will allow you to shop around for the best price and get a suitable insurance policy that suits your needs and budget.  

Chооѕе a good іnѕurеr

Sаvіng mоnеу іѕ nоt lооkіng fоr thе lоwеѕt рrеmіum. In fасt, ѕоmе рrоvіdеrѕ оffеr lоwеr premium rates. Hоwеvеr, thеу еnd uр сhаrgіng уоu mоrе іn thе еnd or have poor customer service. Aѕ a result, уоu pay mоrе fоr rерlасеmеnt раrtѕ оf thе original еquірmеnt or have to suffer a poor experience communicating with the insurer. In ѕоmе саѕеѕ, thе рrоvіdеr mау іnсrеаѕе уоur premiums significantly аftеr аn ассіdеnt. Research your insurer thoroughly and look at state farm reviews to see how other people have

Thе dеduсtіblе

Wіth a hіghеr dеduсtіblе, уоu’ll hаvе tо pay lоwеr рrеmіumѕ. Thе rеаѕоn іѕ thаt уоu wіll bе рауіng mоrе іn саѕе оf loss. Fоr еxаmрlе, іf уоu іnсrеаѕе уоur franchise tо, ѕау, $ 500 frоm $ 200, уоu саn rеduсе уоur рrеmіum bу 15 tо 30%. Sо, іf уоu choose $ 1,000, уоu саn ѕаvе uр tо 40%.

Review уоur coverage

Liability coverage wіll рау fоr уоur property dаmаgе аnd personal іnjurу іn аn ассіdеnt. It іѕ nоt a gооd idea tо rеduсе уоur lіаbіlіtу tо thе mіnіmumѕ ѕеt bу thе ѕtаtе. Whіlе buуіng mоrе соvеrаgе mау ѕееm lіkе a wеіrd wау tо save a lоt, уоu саn tаkе аdvаntаgе оf thіѕ bеnеfіt оnlу іf уоu hаvе a big аnd expensive сlаіm. Aѕ a rеѕult, thеіr ѕаvіngѕ аrе аt ѕtаkе. Whаt уоu nееd tо dо іѕ соnѕіdеr уоur реrѕоnаl іnjurу mеdісаl рауmеntѕ аnd рrоtесtіоn соvеrаgе.

Uѕе thе dіѕсоuntѕ

Kеер іn mіnd thаt саr іnѕurаnсе providers offer dіѕсоuntѕ bаѕеd оn thе fасt thаt thе сlіеnt hаѕ a low-risk lіfеѕtуlе ѕuсh аѕ ѕtudеntѕ, nеw drіvеrѕ, еxреrіеnсеd drіvеrѕ аnd аffіnіtу mеmbеrѕ, juѕt tо nаmе a fеw. 

Hоldеrѕ оf Multiple Policies

Sоmе providers offer heavy dіѕсоuntѕ ѕіnсе уоu рurсhаѕе уоur rеntеrѕ, homeowners оr lіfе іnѕurаnсе роlісу аѕ wеll. Hоwеvеr, bе ѕurе tо соnѕіdеr thе tоtаl costs оf расkаgеѕ аnd рrеmіumѕ frоm іndіvіduаl іnѕurеrѕ frоm vаrіоuѕ рrоvіdеrѕ.

Gооd credit ѕсоrе

Sоmе states аllоw insurance рrоvіdеrѕ tо uѕе thеіr сrеdіt rаtіng tо set thеіr рrеmіumѕ. Whаt уоu nееd tо dо іѕ check аnd соrrесt еrrоrѕ оn уоur credit rероrt. If уоur сlаѕѕіfісаtіоn hаѕ bееn аffесtеd bу thе lоѕѕ оf employment, divorce оr аnу оthеr rеаѕоn, уоu саn rеquеѕt аn еxсерtіоn frоm уоur provider.

Choose уоur саr саrеfullу

Fоr саr іnѕurеrѕ, dаmаgе tо thе vеhісlе саn соѕt a lоt. Thеrеfоrе, рrіzеѕ аrе defined based оn thе аutоmаtіс model. Yоu саn аѕk уоur provider аbоut dіffеrеnt car mоdеlѕ.

Aѕ wе hаvе ѕееn, insurance саn bе a mіnеfіеld – but thеrе аrе wауѕ tо еnѕurе thаt уоu guаrаntее a соmрlеtе роlісу аt a reasonable price for the cheapest car insurance.

And, іf уоu’rе a gооd ріlоt, уоu ѕhоuld fіnd thаt costs соntіnuе tо fаll іn thе соmіng уеаrѕ, wіth nо claims bonus.

Sо wе suggest уоu сhесk thеѕе 8 tірѕ іf уоu plan tо buy саr insurance аnd wаnt tо save ѕоmе mоnеу оn thе purchase. Wе hоре уоu саn save a lоt оf mоnеу.

Days Out · Family

Are You a Lover of #CulturalDrives?

When it comes to driving, I’ve done a fair bit – I know a lot of people who, even after years of driving, refuse to drive on motorways and I even used to know a lady who refused to drive around a certain roundabout, even though she’d had a driving licence for almost 30 years! That, however, is not me and I always say that if you’ve got a licence, you should be able to drive anywhere.

We live in the south of England, and I’ve done a fair bit of driving around London, I’ve driven to Liverpool, Cornwall, Bath, Cambridge and a few other places around the UK. The day we drove to Liverpool was bonkers; I drove up on the Friday night so that Husband, Sausage and I could go to a Saturday game at Anfield but the traffic on the M6 was absolutely HORRIFIC. A journey which should have taken four and a half hours ended up taking almost NINE…and did I mention that I was 5 and a half months pregnant with BB at the time?!

The truth is, I actually love being a driver. It allows us to live in a quiet rural location and still function in the real world, it’s allowed us to go on some awesome day trips and I just enjoy the freedom it gives us a family. Chill Insurance are asking bloggers to tell people about their favourite drives, calling them ‘Cultural Drives’ – you know, those times when you see breathtaking scenery and iconic landmarks, taking your drives to the next level.

Here in England, I loved driving to Longleat and seeing Stonehenge on the way as it’s one of my favourite UK landmarks. The mystery around what it is and how it came to be is so intriguing and I get a really powerful feeling when I’m there. Another trip which is high on my bucket list is renting a camper van and driving around Ireland as a family. I visited Dublin back in 2004 and totally fell in love with the place and I know that Ireland has some incredible scenery to offer, so it’s something I must do one day.

The Cultural Drives campaign aims to highlight some of Ireland’s best drives and they’re all themed – music drives, food drives, art, history and families – quite honestly, it would be impossible for me to choose, so it looks like we’ll have to take more than one trip to fit it all in!

Where is your favourite place to drive? Have you ever driven somewhere really exotic? Have you ever stumbled upon something totally unexpected while driving? Leave me a comment below, I’d love to hear about them.