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Cheap car insurance for teens and young adults

October 6, 2016 Jamie Schuman 0

It may be easy to find cheap car insurance but it is not always wise to buy on the basis of price. You want your cheap car insurance to be good value for money. Finding cheap car insurance for teens and young adults is challenging but it can be done. Get car insurance quotes from as many insurers as possibleFinding Specialty Cheap Car Insurance »Look for an insurer specializing in specialty cars. Although you will occasionally find cheap car insurance from large insurers, small companies usually offer the lowest car insurance rates Finding cheap car insurance for family cars »When buying a new or replacement vehicle for your family, here are a few ideas on how to find affordable if not cheap car insurance. Buy safety for the lowest car insurance quotesCheap car insurance when you buy on credit »If you decide to buy on credit rather than lease, can you find cheap car insurance? If not, what can you do to find lower car insurance rates? More here

The business model for insurance depends on being able to estimate whether the driver is likely to claim. So, as a matter of common sense, a highly experienced driver with no claims for fifteen to twenty years who drives a steady saloon is unlikely to be involved in an accident. But someone learning how to drive is likely to make mistakes and end up in trouble. Indeed, the statistics show drivers under the age of twenty-five have the highest number of claims. Worse, traffic accidents are the leading cause of death for teens with hundreds of thousands more injured every year. Given this background, you will understand why the car insurance rates are highest for all young drivers. So what can you do to find cheaper cover?

The answer falls into two parts. First you have to shop around and get as many quotes as possible from the full range of insurers. Not all insurance companies calculate the risks in the same way and some are more forgiving of younger drivers. Now prepare properly with the right make and model of vehicle. Do not allow access to anything high-powered. Only permit the use of something with modest performance. Before you hand over the key, make it a condition your teen goes on an approved driving course. All insurers give a discount for those who are certified as passing the course. Second, you have to look to actual driving behavior. The rates will come down steadily if there are no tickets and no claims. Even more important, there are discounts if your teen has a good GPA. Insurers believe responsible students drive more carefully. In other words, your teen can earn the cheapest car insurance rates by driving like a seasoned veteran.

Finally, in some states, insurers are offering cheap car insurance rates if monitoring equipment is fitted in the vehicle. Some insurers provide a camera system that records behavior in real time. Others fit a black box that records speed, whether the brakes are used fiercely, whether the vehicle swerves violently, and so on. If you impose this on your teen, the evidence shows the standard of driving improves when teens and young adults know they are watched. It also allows you to enforce rules not to talk on a cell or text messages while driving. In short, all road users benefit from this form of monitoring and you save money on the premium rates.

In a recent survey using a standardized profile in all the states of the union, the car insurance rates for the same driver were found to differ by more than $1,000. This is not just a simple matter of insurers having different models for estimating risk. It reflects a real difference between states and the conditions on the roads. Ignoring local differences, here are some simple tips for finding discounts and thereby buying cheap car insurance.see more

So look up the results of the crash tests run by the Insurance Institute for Highway Safety. Check out the performance of the makes and models you are interested in buying. As you might expect, the safest vehicles tend to have the cheap car insurance rates. However that is not the end of the story. If you are proposing to buy comprehensive cover, look carefully at the statistics of vehicle thefts. The number of cars stolen varies quite significantly depending on where you live‚ remembering the ZIP code is a big factor in deciding the rate you will pay. see more

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Decline In African Elephant Populations

August 18, 2016 Jamie Schuman 0


The Great Elephant Census with a fund of $7 million, conducted over a time period of three years has reported that there has been a population decrease in the African Elephant populations by almost a third between 2007 and 2014. The Census effectively took a count of every Savannah elephant in 18 countries all over Africa. The Savannah elephants in these 18 countries account for 93% of the total population. The Census concludes on a very sobering note stating the decline in the population of African elephants by an alarming number of 144,000 within the seven years studied.

Although the world over there are major initiatives and talks on wildlife conservation, we have not succeeded much if we have failed to protect the world’s largest land mammal. The results of the study were published in PeerJ journal. The survey was funded partly by American philanthropist, Paul Allen and was a collaborative effort by the elephant conservation group based in Botswana called Elephants Without Borders and other government and non-government groups in the 18 countries involved.

african-elephantsBefore the study even though each country was responsible for keeping a check on their elephant populations, the data was not standardized. Each followed different methods and different frequencies. The Great Elephant Census team followed elephants in an aircraft and took efficient measures to segregate data and to avoid counting the same elephants twice as the elephants are always on the move. Earlier elephant population estimates ranged from 400,000 to 630,000 but the Census reported there are just 352,271 elephants. According to NPR reports such great decline in the elephant population has been caused by illegal poaching for elephant tusks sold on the Chinese market.

Governments have made their best efforts to prevent illegal hunting of elephants and tried to disrupt the ivory market. In April the world awed at the recent Kenyan act of burning tusks of almost 7000 elephants. In Kenya, the public ivory burning events have been witnessed in earlier years too. The recent study will greatly contribute to the meeting of the Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES) an international body that regulates trade of threatened animals.

Read More: Future Concerns For Quinoa Cultivators

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Demand For Quinoa Good For Peru And Bolivia

March 16, 2016 Jamie Schuman 0


Quinoa a grain crop is cultivated primarily for its edible seed. From 2006 to 2013 the price of quinoa tripled when Americans and Europeans found this new superfood. There were two kinds of hypes following this, one that the people who cultivated it in Bolivia and Peru could no longer afford it and yet another message that the quinoa demand was helping those in the high Andes. Since these were just suppositions an agricultural economist, Marc Bellemare from the University of Minnesota and another economist, Seth Gitter of Townson University, Maryland teamed up to resolve the issue.

quinoa-2The two economists found data source a national survey performed by the Government of Peru every year, about 22000 randomly selected households about their lifestyle, what they grow, eat and spend. The data source was obtained from ENAHO. There was too much of data to plow through and the economists chose Johanna Fajardo Gonzalez, a Ph.D. student at the University of Minnesota to analyze the data of about 10 years ranging from before and after the rise in prices of quinoa. The researchers grouped the households into 3 groups that which grow and eat quinoa, those that do not grow but eat it, and those that neither grow nor eat it.

The study shows a prominent rise in the welfare and living standards in Peru following the rise in price of quinoa. The standards were measured as the total value of goods consumed and it was obvious that the quinoa growers were far better off than the others. The study also revealed that unlike the suppositions, those in Peru could even afford to consume quinoa although the quantities purchased decreased slightly with the rise in demand. The speculations on ill effects of nutrition on the Peru population were also reported as baseless by research performed by Andrew Stevens a Doctoral candidate at University of California, Berkeley. There might be trouble ahead if the prices fall and with demand for only certain varieties of quinoa while the cultivators may have to abandon certain varieties.

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