Make Safe Driving Your 2008 New Year's Resolution

Each year millions of people across the globe make a series of New Year’s resolutions to lose weight, quit smoking and get out of debt. But you never hear of anyone resolving to drive safer in the New Year. Why you might ask? Well, many Americans most likely think they are already good drivers and their driving skills aren’t in need of refining. Nice thought, but that is highly unlikely. In fact, according to the National Highway Traffic Safety Administration (NHTSA) 2006 Traffic Safety Facts, there were 42,642 automobile accidents in 2006. Though this number has declined over the past five years, it is still a high number of accidents occurring in one year, which makes you think – are Americans really up to par when it comes to driving?
“Nowadays drivers are multitasking while they are driving,” stated David Roush, CEO of Insurance.com, the nation’s largest online auto insurance agency. “Drivers are talking on their phones, listening to their iPods, talking to passengers, eating or –sadly– trying to read the newspaper while driving. When you mix driving with hazards like these, you are not only putting yourself at risk for an accident, you are also putting everyone else around you at risk.”

Don’t think people are really doing all these things while they are driving? Think again. According to the Safe Driving Institute, Inc’s website:

77% of drivers said they talk on their cell phones while driving
60% said they either frequently or occasionally eat while driving
50% admitted to making obscene or rude gestures or comments to other drivers, particularly those who cut in front of them on the highway
50% reported that they have almost fallen asleep while driving
And 53% of drivers pay a surcharge on their auto insurance policy because of their poor driving record
Commit to becoming a better driver as your 2008 New Year’s Resolution To help you become a safer driver in 2008, Insurance.com has some tips to improve your driving skills and make the roads a safer place for everyone.

1. Take a defensive driving course
While many of us don’t want to believe it, we could all use a little refresher course when it comes to driving. To help keep you safe on the road and remind you how to handle a car in bad weather conditions, many cities offer defensive driving classes. To find out if your city or town offers such a class, contact your local police department or DMV.

2. Ditch the cell phone
Talking on your cell phone can be as deadly as drinking and driving. Many times drivers begin to focus too much on the conversation and not enough on the road conditions surrounding them. If you have to take a phone call, pull over to the side of the road or wait until you can reach a rest stop and call the person back. This way you can give the caller your full attention and not have to try to do two things at once.

3. Follow the speed limit
If you habitually drive over the speed limit, you could be putting yourself and others at risk. And while it may not seem like it when you are in a rush, speed limits are created to help keep everyone safer. Plus, driving over the limit can cause you to receive speeding tickets, points on your driver’s license and potentially make your auto insurance premium go up.

4. Say goodbye to snacking in the car
Driving and eating at the same time can create a huge driving hazard while on the road, especially if you drop something and try to pick it up. In fact, it is such a hazard that the State of Michigan has a “no food within reach” driver’s license restriction for drivers who have been involved in numerous accidents related to food. So this year, make one of your 2008 New Year’s Resolutions to stop eating and driving. Not only will you be a safer driver, your waistline may thank you as well.

5. Use your turn signals
Often times drivers change lanes or turn without using their turn signals. If you are one of these drivers, consider making a conscious effort in 2008 to use your left and right turn signals while driving. It will help keep you safe and help notify other drivers around you of your next “move.”

6. Always look before moving
Along with not using turn signals, many drivers do not use their mirrors or look over their shoulder before they switch lanes. Carelessness like this often results in costly fender benders and lengthy traffic jams. So to help keep your car in optimal condition and to help keep everyone safe on the road this year, make sure to use your mirrors and look before you switch lanes. Your bumper and the other drivers on the road will thank you for it.

7. Update your car insurance
While this may seem silly, many people rarely update or even review their auto insurance policy. This can lead to paying higher car insurance premiums or having insufficient coverage in the event of an accident.

8. Say goodbye to road rage
We all have done it or experienced it at one time or another – road rage. And while it may seem justified as someone cuts you off or rides your bumper, it is not. Road rage only adds to the hazardous conditions of the road. In 2008, try taking a different approach and calmly and safely adjust to the hazardous situation at hand. This will help you stay calm and help keep everyone around you safe as well.

9. Reading while driving is never a good idea
Due to our busy lives many Americans try to multitask, including reading the daily newspaper while behind the wheel. If you are looking for something other than listening to the radio while driving to and from work consider picking up some books on tape. These can help you catch up on some “reading” while ensuring that your eyes are on the road and your hands are on the wheel.

10. Wear your seatbelt
If you don’t already wear your seatbelt while driving, vow to make it a 2008 New Year’s Resolution. Not only is it the law, it can also help save your life.

These 2008 New Year’s Resolutions are brought to you by Insurance.com. If you are interested in switching your car insurance or are in the market for auto insurance, visit Insurance.com’s auto insurance comparison application. Here you will be able to evaluate multiple rates from best-in-class insurance providers, helping you save time and money on your auto insurance in the New Year.

2007 Auto Insurance Pricing Report

Based on data from the lowest average auto insurance rates viewed by over 1.4 million car insurance consumers on Insurance.com, auto insurance rates continued to decline according to Insurance.com’s 2007 Auto Insurance Pricing Report. Only six states on Insurance.com’s platform showed increases in premiums; the rest all showed decreases, in many cases for the third year in a row.
With a year that saw increased competition between auto insurance companies, and higher, though arguably more stable gas prices, car insurance rates continued to decline for many states,” reports David Roush, CEO of Insurance.com. “Our 2007 Auto Insurance Pricing Report indicates a 5.2% decrease in car insurance rates from 2006 prices.”

In Insurance.com’s 2006 Pricing Report, the national average premium was $1965. This went down to $1868 in 2007. “This is a clear indication that prices are constantly changing, often in favor of the consumer. It’s never been more important to make sure you’re not overpaying for your auto insurance. Insurance.com makes it easy to compare rates from leading national companies,and to buy immediately, online or over the phone.”

According to the Insurance.com 2007 Auto Insurance Report, North Carolina saw the largest decrease in car insurance premiums, paying an average of $1,816 for car insurance – a 24.5% decrease from 2006. This is the first year since 2004 where North Carolina has showna decrease in the Insurance.com Pricing Reports. Arkansas and South Dakota were in second and third place, with decreases of 14.5% and 14.4% accordingly.

10 States with Largest % Decrease in Premium
State
2006 Premium
2007 Premium
2007 Change from 2006
% 2007 Change from 2006

NC
$2,261
$1,816
-445
-24.5%

AR
$2,118
$1,849
-269
-14.5%

SD
$1,812
$1,584
-228
-14.4%

ND
$1,941
$1,713
-228
-13.3%

WV
$2,367
$2,117
-249
-11.8%

WY
$2,190
$1,969
-220
-11.2%

RI
$2,553
$2,307
-245
-10.6%

NE
$1,702
$1,551
-150
-9.7%

OR
$1,648
$1,504
-144
-9.6%

IA
$1,496
$1,366
-130
-9.5%



At the end of 2007, Nevada was in the top spot for states with the largest percentage increase in car insurance premiums, with an average of $2,083 – a total increase of 6.8% from 2006. Connecticut moved up into the number two position with a 3.2% increase over 2006 premiums, while a few states, Indiana, Illinois and Arizona, actually made the chart only because their premium decreases were so small. Interestingly, Indiana had previously been seen showing a slight increase in premium in early reports this year, but ended up with an 0.5% decrease over 2006 premiums.

10 States with Largest % Increase in Premium
State
2006 Premium
2007 Premium
2007 Change from 2006
% 2007 Change from 2006

NV
$1,942
$2,083
+141
+6.8%

CT
$1,965
$2,029
+64
+3.2%

TN
$1,548
$1,598
+51
+3.2%

WA
$1,792
$1,846
+54
+2.9%

PA
$1,925
$1,976
+51
+2.6%

MO
$1,558
$1,575
+18
+1.1%

VA
$1,575
$1,576
0
0.0%

IN
$1,463
$1,455
-8
-0.5%

IL
$1,556
$1,537
-20
-1.3%

AZ
$1,929
$1,902
-27
-1.4%



Insurance.com’s 2007 Auto Insurance Report continues to support the theory that where you live plays a large role in how much you pay for car insurance. This is because auto insurance companies take into account if your area has limited parking, a higher traffic population, a greater theft rate, and the amount of uninsured drivers in your area. So the worse your city’s statistics are, the moreyou will pay for auto insurance.

Even those states which paid the most for car insurance premiums saw prices drop in 2007, proving that it’s always a good idea to shop around for the best prices. Take a look at the charts below to find out which states paid the most (and the least) for auto insurance in 2007.

10 Most Expensive States
State
2006 Premium
2007 Premium
2007 Change from 2006
% 2007 Change from 2006

LA
$2,833
$2,708
-125
-4.6%

NY
$2,714
$2,566
-148
-5.8%

NJ
$2,737
$2,559
-177
-6.9%

DC
$2,753
$2,559
-195
-7.6%

DE
$2,621
$2,500
-121
-4.8%

RI
$2,553
$2,307
-245
-10.6%

KY
$2,299
$2,184
-115
-5.3%

MD
$2,226
$2,139
-87
-4.0%

WV
$2,367
$2,117
-249
-11.8%

NV
$1,942
$2,083
+141
+6.8%



10 Least Expensive States
State
2006 Premium
2007 Premium
2007 Change from 2006
% 2007 Change from 2006

OH
$1,358
$1,301
-57
-4.4%

WI
$1,352
$1,319
-34
-2.6%

IA
$1,496
$1,366
-130
-9.5%

ME
$1,484
$1,383
-101
-7.3%

ID
$1,548
$1,452
-96
-6.6%

IN
$1,463
$1,455
-8
-0.5%

VT
$1,554
$1,479
-75
-5.1%

OR
$1,648
$1,504
-144
-9.6%

KS
$1,619
$1,533
-86
-5.6%

IL
$1,556
$1,537
-20
-1.3%



Even though there appears to be a big difference between premiums in New York and Wisconsin, or Louisiana and Ohio, you don’t have to relocate to a different state just to save on auto insurance! All you need to do is shop around and make sure you’re really paying the right amount for your current coverage. To assist you in this process, Insurance.com lets you compare the rates of best-in-class car insurance providers – helping you find the best auto insurance rate available for you and your budget.

Wondering where your state ranked in the Insurance.com 2007 Auto Insurance Pricing Report? Below is a list of the 48 states Insurance.com surveyed. States are ranked in alphabetical order with the price increase or decrease displayed as a percentage for each state.

State
2006 Premium
2007 Premium
2007 Change from 2006
% 2007 Change from 2006

AL
$1,847
$1,796
-51
-2.8%

AR
$2,118
$1,849
-269
-14.5%

AZ
$1,929
$1,902
-27
-1.4%

CA
$1,842
$1,793
-49
-2.8%

CO
$1,658
$1,552
-107
-6.9%

CT
$1,965
$2,029
+64
+3.2%

DC
$2,753
$2,559
-195
-7.6%

DE
$2,621
$2,500
-121
-4.8%

FL
$2,105
$2,020
-85
-4.2%

GA
$1,705
$1,602
-104
-6.5%

IA
$1,496
$1,366
-130
-9.5%

ID
$1,548
$1,452
-96
-6.6%

IL
$1,556
$1,537
-20
-1.3%

IN
$1,463
$1,455
-8
-0.5%

KS
$1,619
$1,533
-86
-5.6%

KY
$2,299
$2,184
-115
-5.3%

LA
$2,833
$2,708
-125
-4.6%

MD
$2,226
$2,139
-87
-4.0%

ME
$1,484
$1,383
-101
-7.3%

MI
$2,158
$2,051
-107
-5.2%

MN
$1,658
$1,590
-68
-4.3%

MO
$1,558
$1,575
+18
+1.1%

MS
$2,021
$1,920
-101
-5.2%

MT
$1,769
$1,645
-124
-7.5%

NC
$2,261
$1,816
-445
-24.5%

ND
$1,941
$1,713
-228
-13.3%

NE
$1,702
$1,551
-150
-9.7%

NH
$1,650
$1,551
-98
-6.3%

NJ
$2,737
$2,559
-177
-6.9%

NM
$1,900
$1,792
-108
-6.0%

NV
$1,942
$2,083
+141
+6.8%

NY
$2,714
$2,566
-148
-5.8%

OH
$1,358
$1,301
-57
-4.4%

OK
$1,894
$1,742
-153
-8.8%

OR
$1,648
$1,504
-144
-9.6%

PA
$1,925
$1,976
+51
+2.6%

RI
$2,553
$2,307
-245
-10.6%

SC
$1,717
$1,601
-116
-7.3%

SD
$1,812
$1,584
-228
-14.4%

TN
$1,548
$1,598
+51
+3.2%

TX
$1,801
$1,710
-92
-5.4%

UT
$1,797
$1,682
-116
-6.9%

VA
$1,575
$1,576
0
0.0%

VT
$1,554
$1,479
-75
-5.1%

WA
$1,792
$1,846
+54
+2.9%

WI
$1,352
$1,319
-34
-2.6%

WV
$2,367
$2,117
-249
-11.8%

WY
$2,190
$1,969
-220
-11.2%


About Insurance.com’s 2007 Auto Insurance Pricing Report
Insurance.com’s 2007 Auto Insurance Pricing Report highlights the lowest average auto insurance rates viewed by over 1.4 million car insurance consumers on the 2007* Insurance.com platform. The information comes from actual auto insurance quotes consumers received from over a dozen of the nation’s leading auto insurance companies who participate in Insurance.com’s comparative auto insurance platform.

*Disclaimer
While the Insurance.com 2007 Auto Insurance Pricing Report is a broad indicator of pricing activity in the personal auto insurance marketplace on a per household basis, it is not a comprehensive index as it reflects only the pricing activity of carriers that have participated in the Insurance.com auto insurance marketplace in the states where it quotes (all states except Alaska, Hawaii, and Massachusetts) and the aggregate profile of consumers who shop using the Insurance.com platform

Purchasing Your Vehicle from Inspal.com

At AAA, we always have a driver's best interests at heart. We fight for better roads, better laws, better traffic safety, and even better deals for our members when it comes to buying a car. The following links can help you research, purchase, and finance your vehicle.

Gas Watcher's Guide

Gas Watcher's Guide

Tips for Conserving Fuel, Saving Money and Protecting the Environment

Responsible use of energy is learned behavior. To conserve, we must slow down and find ways to do more with less. The benefits of fuel conservation are a healthier environment, financial savings and improved safety on our roads. The information following offers ways to be a consistent and effective "gas watcher."In recent decades, automobile manufacturers have made significant advances toward improving the overall energy efficiency of most passenger vehicles. At the same time, Americans continue to purchase larger, less fuel-efficient vehicles. Because of this trend, the average fuel efficiency of new vehicles has changed little over the past 20 years - about 24 miles per gallon.In addition, motorists are driving more. According to the latest statistics from the U.S. Department of Transportation, Americans drive an average of 29 miles a day and spend some 55 minutes of every day in their vehicles. The average vehicle is driven about 12,000 miles per year, and annual per-vehicle gasoline use is approximately 550 gallons.Transportation continues to be a major sector of the U.S. economy and is a critical factor in our quality of life. According to the DOT, personal gasoline consumption breaks down like this: Family/Personal Business: 45%; Social and Recreational: 27%; Work (Commute and Work-Related): 17%; School and Religious: 10%; Other: 1%.

ATTITUDE IS EVERYTHINGThe car or truck you drive, how it's maintained and how you drive are the most important factors in both conserving fuel and staying safe behind the wheel. Here are some tips from AAA that will help you save gasoline and money:

If you own more than one car - especially if one of your vehicles is a less fuel-efficient vehicle such as a pickup truck, sport utility vehicle or van - use the more energy-conserving vehicle as often as possible.

Consolidate trips and errands to cut down on driving time and miles traveled.

Find one location where you can take care of banking, grocery shopping and other chores.

"Comparison shop" by phone, online or through newspaper ads.

Slow down. The faster a vehicle travels, the more fuel it burns.

Avoid quick starts and sudden stops. This wastes fuel, is harder on vehicle components and increases the odds of a traffic crash.

Lighten the load. Don't haul extra weight in the passenger compartment, trunk or cargo area of your vehicle. A heavier vehicle uses more gasoline.

Keep your eyes open for low fuel prices, but don't waste gas driving to a distant filling station to save a few cents.

Stick to a routine maintenance schedule. Keeping tires inflated, moving components properly lubricated and ignition and emission systems operating properly will help ensure maximum fuel efficiency and extend the life of your vehicle.

THINK IT THROUGH Your driving style can have a significant impact on the amount of fuel you use. Remember the following:

Know the correct starting procedure for your car. Don't race a cold engine to warm it up or allow it to idle for an extended time. Avoid rapid acceleration until the engine temperature is in the normal range. The engine will warm up faster under a light load, and emissions equipment will begin to function sooner.

Maintain steady speeds for the best fuel economy. A car uses extra fuel when it accelerates.
Minimize the need to brake by anticipating traffic conditions. Be alert for slowdowns and red lights ahead of you, and decelerate by coasting whenever possible.

Travel at moderate speeds on the open road. Higher speeds require more fuel to overcome air resistance. Remember, however, speeds slower than the flow of traffic can create a traffic hazard.

Use the air conditioner conservatively. Most air conditioners have an "economy" or "recirculation" setting that reduces the amount of hot outside air that must be chilled. Both settings can reduce the air-conditioning load - and save gas.

WEIGH THE TOTAL COST OF OWNERSHIPFuel is part of the total cost of vehicle ownership, so fuel conservation should be an important factor when choosing a new car. Consider whether the car, truck or sport utility vehicle under consideration is bigger and heavier than necessary. Compare the Environmental Protection Agency fuel economy ratings on the vehicles you're considering. Other options to consider include:

Four-wheel-drive vehicles generally use more gasoline than other vehicles, especially if the four-wheel-drive system is engaged during routine driving.

Vehicles with automatic transmissions may use more gasoline than those equipped with manual transmissions.

Smaller engines usually equate to better gas mileage.

Vehicle engines that require premium fuel, as stated in the owner's manual, will cost more to operate in the long run.

Some trucks, vans and SUVs come in several sizes and configurations. Models with a shorter bed, abbreviated cargo area or smaller cab are lighter and generally consume less fuel.

Light exterior and interior colors and tinted windows can reduce heat build up, which saves on air conditioning.

Cruise control may be a fuel-saving option if you drive a lot on open roads. Maintaining a steady speed conserves fuel. When shopping for a new or pre-owned vehicle, check the Your Driving Costs publication, available from your local AAA office or click here for helpful information and detailed vehicle comparisons. Many clubs also offer auto-buying services, which can save your money, regardless of what vehicle you choose.

MAINTAINING FUEL EFFICIENCY Check your owner's manual for routine maintenance instructions, and keep the following points in mind:

Spark plugs must be in good condition. Some will last for 100,000 miles, but many need to be replaced more often.

Check the air and fuel filters at least twice a year. Dirty filters increase fuel consumption and can cause poor performance.

Inflate tires according to manufacturer recommendations. Under-inflated tires are a safety hazard and can cut fuel economy as much as 2 percent per pound of pressure below the recommended level.

Have your vehicle serviced immediately if the emissions malfunction indicator light - MIL - or "check engine" light comes on.

Have your vehicle serviced regularly by a certified technician, who can also inspect important vehicle components that can affect fuel consumption. AT THE PUMP If your vehicle's engine does not need premium fuel, using anything other than regular is simply a waste of money. Other tips include:

Don't top off your gas tank. In warm weather, fuel expansion can cause overflow.
If you must replace a gas cap, make sure it is the right one for your car. A poorly fitting cap can cause engine problems, increase emissions and reduce fuel economy.

Keep track of gas mileage. If you notice a decrease in fuel economy, your vehicle may not be operating at peak performance.

Look into gas rebate programs such as the AAA Visa card, which provides a rebate every time you fill up.

VACATIONING

Some 90 percent of Americans vacation by personal vehicle. Chances are, you're one of them. These tips will help you save fuel as well as reduce hassles:

If you have a choice of vehicles, take the one that gets the best gas mileage. Renting a fuel-efficient model also can save you money in the long run - both at the pump and by reducing wear and tear on your personal vehicle.

Choose a route that enables you to travel at constant speeds and bypass congested areas as much as possible. Unless you're taking a scenic drive, avoid two-lane roads with lots of stop signs and traffic signals. Your AAA Travel representative can help you plan the best route and provide door-to-door driving directions with a customized TripTik routing, or click here and create your own.

Start trips early in the day while traffic is light. Plan meal stops to coincide with likely periods of traffic congestion.

Take only what you need to keep the load lighter. Keep luggage inside the vehicle, rather than strapped on the roof where it will create wind resistance.

Choose a vacation spot where only minimal driving will be needed after you arrive.
If your trip seems too far to drive the whole way, consider driving part way and using public transportation or air travel for the remaining distance.

SAVING MONEY WHILE MAKING MONEY

Transportation to and from work is one of the most obvious places to save money and fuel. Consider these options:

When possible, combine errands with your daily commute.

If your work hours are flexible, try leaving earlier in the morning or returning home later in the evening to reduce fuel burned in bumper-to-bumper traffic.

Talk to your employer about telecommuting. Working from home one day a week can significantly reduce your fuel consumption over the course of a year.

Participate in a car or van pool. Many families use car pools to transport children to and from school or activities. Starting a car pool can be as easy as talking to neighbors who travel to the same destination or posting a notice on a company or school bulletin board.

When available, public transit is usually the least expensive and most fuel-efficient way to commute. It may take a little longer to get where you're going, but you'll save money and help the environment.

For short trips, try bicycling or walking. You'll save fuel, and your body will thank you for the exercise.

AAA AND FUEL CONSERVATION

AAA is a federation of motor clubs serving 47 million members in the United States and Canada with automotive, travel, financial and insurance services.For decades, AAA has published public-service guides to car care, fuel economy and safety. In 1943, AAA published its first guide, Keep 'em Rolling, to assist with gasoline rationing required by World War II.In the 1970s, when American motorists faced soaring gas prices brought on by the Arab Oil Embargo, AAA published Rolling Along with the Gasoline Shortage and the first Gas Watcher's Guide.AAA's companion brochure, Your Driving Costs, has been produced since 1950. That year, driving a car 10,000 miles annually cost 9 cents per mile, and gasoline sold for 27 cents a gallon.

FEDERAL RESERVE BOARD CHAIRMAN BERNANKE’S COMMENTS MAY COOL TORRID OIL PRICES

FEDERAL RESERVE BOARD CHAIRMAN BERNANKE’S COMMENTS MAY COOL TORRID OIL PRICES
Tampa, FL (November 11) Retail fuel price averages have increased by 33.6, 34.5 and 33.2 cents in Florida, Georgia and Tennessee respectively, in the past 30 days.
On Friday the Dow Jones Index fell 223 points, and for the week the Dow fell more than 500 points; prompting Federal Reserve Board Chairman Ben Bernanke to forecast an economic slowdown. Ironically, that forecast may be the medicine motorists needed as the price of crude oil decreased, closing Friday on the New York Mercantile Exchange (NYMEX) at $96.32.
If the economy does slow down that may reduce the demand for gasoline in the coming winter months.
CURRENT AND PAST PRICE AVERAGES Regular Unleaded Gasoline
Current
Week Ago
Month Ago
Year Ago
National
$3.100
$2.989
$2.760
$2.222
Florida
$3.139
$3.006
$2.804
$2.233
Georgia
$3.042
$2.929
$2.697
$2.115
Tennessee
$2.993
$2.862
$2.661
$2.106
AAA's Daily Fuel Gauge Report is updated each day and is the most comprehensive; reflecting actual prices from credit card transactions within the past 24 hours at two-thirds (100,000 stations) of the gasoline stations in the U.S. Its accuracy is unparalleled.
Next Fuel Price Brief: Sunday, November 18.
Contacts: Randy Bly, Director of Community Relations (813) 289-5934 or on Sunday (813) 957-5059 cell or Gregg Laskoski, Managing Director, Public Relations Office: (813) 289-1320; cell: (813) 992-0867

12 Month Average For Regular Unleaded

12 Month Average For Regular Unleaded

AAA Fuel Gauge data may be used on a daily basis by news media Web sites, but should include attribution to AAA, the display of AAA's logo and a link to http://www.aaa.com/ AAA's logo can be found in the "About AAA" section of the AAA NewsRoom.

National Unleaded Average
Regular
Mid
Premium
Diesel
E85
**E85 MPG/BTU adjusted price
Current Avg.
$3.086
$3.277
$3.396
$3.476
$2.504
$3.295
Yesterday Avg.
$3.083
$3.274
$3.393
$3.467
$2.487
$3.273
Month Ago Avg.
$2.823
$2.997
$3.106
$3.163
$2.270
$2.988
Year Ago Avg.
$2.244
$2.382
$2.469
$2.649
NA
NA
*Prices are in US dollars per gallon
**The BTU-adjusted price of E-85 is the nationwide average price of E-85 adjusted to reflect the lower energy content as expressed in British Thermal Units - and hence miles per gallon - available in a gallon of E-85 as compared to the same volume of conventional gasoline. The BTU-adjusted price calculated by OPIS and AAA is not an actual retail average price paid by consumers. It is calculated and displayed as part of AAA's Fuel Gauge Report because according to the Energy Information Administration E-85 delivers approximately 25 percent fewer BTUs by volume than conventional gasoline. Because "flexible fuel" vehicles can operate on conventional fuel and E-85,the BTU-adjusted price of E-85 is essential to understanding the cost implications of each fuel choice for consumers.

Highest Recorded Price:
Regular Unl.
$3.227
5/24/2007

DSL.
$3.476
11/25/2007

Car Maintenance Tips

We invest a great deal of money into our vehicles, and apart from a house, a car might be the most expensive item that we will buy.
Keeping your vehicle running smoothly can save you money in repairs and maintenance, and will be safer for you and your family.

We recommend that you always use a certified and qualified mechanic or technician to service your car – this ensures the best possible results, and can help maintain your vehicle`s warranty. However, there are some things you can do to keep your car running smoothly.

Safety Basics
Please refer to your owner`s manual before you start any maintenance, as it will contain vital information specific to your vehicle.

Have the right tools for the job. It can be dangerous for both you and your vehicle if you try to use the wrong tools.

Know how to handle chemicals. Oil and gasoline are dangerous materials, and should never touch your skin.

If you`re cleaning any part of your engine at home, keep a drainage pan under the engine to capture any residue and follow local ordinances regarding disposal of engine oil and related liquids.

Parking brake should be on, and the gearshift should be in park.

Do not work on a hot engine!

If you`re not sure about any aspect of a repair or maintenance procedure, please consult a professional mechanic or technician.

Things to keep an eye on…
Air FilterAir filters steadily build up with dirt and dust, making sure that it doesn`t get into your engine. Eventually, your air filter will get blocked (if it does, your ‘Check Engine` light may come on), reducing performance. If the filter is only slightly dirty (it will appear slightly discolored), you can give it a quick clean by tapping it, bottom side down, against a hard surface.
BatteryCheck your connections to make sure they are not corroded, and keep the casing of the battery clean. Cracks or bulges indicate that you might need to replace the battery. If you find corrosion on the terminals, you can try to clean it carefully with a mixture of baking soda and water, and a stiff (non-metal bristled) brush. Rinse the terminals with clean water, and make sure you`re catching the run off in a tray.

Windshield WipersProperly working wiper blades are an essential part of safe driving. Make sure they are clean and intact. You can clean the blades using a mild detergent and a paper towel. If the blades look worn, they are fairly easy to replace. You can either replace the rubber blade or the entire arm.

FluidsBefore you check fluid levels, make sure the car is on a level surface. Checking the levels of your vehicles various fluids can be a great way of ensuring your vehicle`s health. Make sure that the caps are clean and free of dirt and debris before opening them to check levels – you don`t want anything getting into the fluids. Windshield washing fluid is easy to replace, and you should always carry spare washer fluid in your trunk. Don`t fill the reservoir all the way during cold weather, just in case it freezes. Other fluids, such as engine coolant, brake fluid and power steering fluid, should be checked and replaced by a professional.

Oil change Oil protects and lubricates the moving parts of your engine. It breaks down over time, because of the heat and pressure involved in protecting the engine, and because it picks up dirt, dust and other particles. Depending upon driving conditions, oil and oil filters should be changed every 3,000 – 5,000 miles. City driving (with lots of stops and starts), driving in dusty areas, very hot or very cold climates, or regularly carrying heavy loads, wears your oil out faster than highway driving in temperate areas.

TiresMake sure your tires are correctly inflated. Not only will this help maintain the life of your tires, it can keep your gas mileage up, and is safer too. Keep an eye on your tread, and make sure you have the correct amount. Don`t let your tires wear down too far, as this can be dangerous. In most states, 2/32 of an inch is usually the legal limit, but you should try to replace your tires before then. You may be familiar with the ‘penny` method of checking your tread depth (if you can see all of Lincoln`s head, replace your tires) but a tire tread gauge (available from any auto parts store) is more accurate.

Tire rotationRotating your tires helps prolong their life. Your mechanic will have the equipment to rotate your tires easily and quickly. You can do this yourself if you have the time and equipment, though a professional mechanic will be able to check alignment and rebalance your wheels if necessary.

BeltsMost cars have a ‘serpentine belt` that drives the various pumps and engine accessories, along with a ‘timing belt` that runs the engine itself. These belts will wear out eventually, or will get loose over time. You can check for wear and tear on your belts, but it`s a good idea to have a professional handle the actual replacement. If you see deep cracks in the belts, that`s a sign that they need changed. They are inexpensive to replace, but a damaged or broken belt could strand you on the side of the road and damage your engine.

BrakesYour brakes are essential to your safety on the road (and the safety of other drivers), so we recommend that you always get them changed professionally. If you notice screeching or grinding noises when you brake, or feel your steering wheel ‘wobble` when braking, take your car in to have the brakes checked as soon as possible. Those are just two of the warning signs that mean you may need new brakes.

Be Proactive…
Environmental ConcernsA well maintained car not only saves you money on repairs, it can help the environment. Properly tuned and looked-after, a vehicle will use less gas, less oil and less energy, while producing less pollution than a badly maintained vehicle.

A Class ActMany community colleges run classes on basic car maintenance. Even if you never intend to service your car yourself, it can still be helpful to know more about your car. Remember, before you try any of these tips, make sure to consult your owner`s manual, and if you have any doubts, consult a professional.

The Consequences of Not Having Auto Insurance

When young adults graduate college they have aspirations of starting their first "real world" job, getting their own place and buying a brand new car - one that does not need a screwdriver to start. However, college students are also graduating with much more than just a college degree and a dream, they are graduating with a substantial amount of debt. In fact, many students graduate with an average of $3,262 in credit card debt - 10 percent of that group owing more than $7,000 in credit card charges.

Students forget to factor in other life costs, such as health care, 401K deductions, income taxes, car payments, auto insurance, rent, utility bills, student loans, credit card bills and food expenses into their monthly budget. "After you graduate and land your first job, you do not think about having to pay for all of these expenses," stated a graduate from Ohio University. "Unfortunately, reality sets in pretty fast and you realize you do not have the money to make ends meet - it is a hard lesson to learn!"

College Debt
Why is there so much credit card debt among college students? "Many credit card companies set up kiosks on college campuses offering free pizzas and t-shirts to try and entice students to sign up for a credit card," noted David Roush, CEO of Insurance.com. "The problem is many college students do not have the income or financial knowledge to manage a credit card - a problem that is leading students into a lifetime of financial despair."

In addition to the outrageous credit card bills, students are also graduating with student loans ranging from $10,000 to $52,000 or more. Often students figure they will be able to pay everything off once they get a job and start making "real" money, but that simply is not the case.

Not only are credit card and student loan bills financially crippling to many new graduates, it is also forcing grads to cut back on other necessary expenses, such as auto insurance - one bill you legally cannot drive without! "Driving without auto insurance is illegal in all 50 states, however, many young adults elect to go without auto insurance because they think they cannot afford to have it," stated Roush. "A scary thought when 15.3% of all automobile accidents are caused by drivers between the ages of 20 - 24."

While deciding not to pay for auto insurance may seem like a good idea at the time, graduates are not considering the expense of getting caught without auto insurance or the cost of getting into an automobile accident. "Imagine if you had to pay the medical bills of someone who gets injured in car accident when you are at fault - suddenly paying for car insurance does not seem so bad," says Roush.

The Penalty of Driving Without Auto InsuranceAccording to the Insurance Information Institute, the cost of driving without auto insurance can vary from state to state, depending on the percentage of drivers who are uninsured in that state. For instance, in Massachusetts residents can be charged anywhere from $500 to $5,000 in fines and receive a one-year jail sentence. In Florida, Louisiana, Connecticut and New Jersey, drivers operating a vehicle without the state required minimum will have their vehicles impounded - which can cost you thousands depending on how long it takes you to get your car out.

To find out the auto insurance state minimum and fines and penalties for driving without insurance in your state, visit the Department of Motor Vehicles' website.

How to Budget For Auto InsuranceAs you look for auto insurance, make sure to check if the insurer offers a 6-month or 12-month payment plan to help you manage your auto insurance payments better. In addition, many auto insurance providers offer a variety of discounts, including alumni discounts. So make sure to ask if your college or university is eligible for a discount, because every bit helps when you are first starting out on your own.

Seat Belts Make Auto Safety a Snap

What auto device is simple to use, takes just a second to snap into place, and saves thousands of lives each year? Seat belts of course – probably the single most important tool you have to keep safe while driving.

Seat belt stats at a glanceAccidents do happen, and chances are you`ll be involved with one or more in your lifetime. In fact, according to information from the National Highway Traffic Safety Administration (NHTSA), more than 15,000 passenger vehicle occupants died in evening traffic crashes during 2005, and 59% of those occupants were not wearing seat belts at the time of the fatal crash. This is compared to the 44% of occupants who were not wearing seat belts and were killed during daytime hours in `05.

Sobering statistics, no doubt. The good news is the NHTSA reports 77% of passenger vehicle occupants who were in a serious crash and were wearing seat belts survived. Wearing seat belts has been proven to reduce the risk of fatal injury by 45% for front seat passenger car occupants and by 60% for those in pickup trucks, SUVs and mini-vans.

More good news: According to an `06 NHTSA report, seat belt use across the nation is pretty solid. The average rate was 81%, with seat belt use ranging from 63.5% in New Hampshire and Wyoming to 96.3% in Washington. And 11 states and territories have rates 90% or higher – including Washington, Michigan, Oregon, California, Puerto Rico, Hawaii, Nevada, Maryland, Texas, Georgia and New Jersey.

While these rates are high, the only truly acceptable seat belt usage rate is 100%, 24/7, for all drivers.

Seat belts save more than livesInterestingly, there`s a huge economic impact related to wearing seat belts. According to an '02 report by the NHTSA, between 1976 and 2002 seatbelts prevented 135,000 fatalities and 3.8 million injuries – saving an amazing $585 billion in medical and related costs. Their report states if everyone had used seat belts during this period, nearly 315,000 deaths and 5.2 million injuries could have been prevented, saving roughly $913 billion.
That's an incredible amount of savings and potential for more savings during a time when many driving-related costs can be high – from gasoline to insurance premiums.

Click It or Ticket in actionThis year from May 21 until Memorial Day (May 28), the NHTSA is encouraging law enforcement agencies nationwide to take part in the Click It or Ticket campaign, aimed at enforcing seat belt use. Jurisdictions with stronger seat belt laws generally show higher seat belt usage rates than those with weaker laws. A good example is Mississippi, where the seat belt law was changed to a "primary" enforcement law in 2006 and seat belt use jumped from 60.8% to 73.6%.

The NHTSA hopes the Click It or Ticket campaign encourages drivers to consider the legal consequences of not wearing a seat belt, in addition to being aware of the enormous safety benefits seat belt use brings.

Quick tips on proper seat belt use and safetyJust a few quick reminders about the right way to wear your seat belt: First, the belt should be low and snug across the pelvis or lap, and never across the stomach.

The shoulder belt should be across the chest and collarbone, and be snug. It should never be in front of the face or behind the back. Remember, you still need to wear seat belts even if your car has air bags – in fact, air bags only work properly if you are belted in and they are not designed to replace seat belts.

All children under 12 should be buckled into an appropriate seat, such as a child safety seat in the back. To find out the best child safety seat for your child's weight and age, check with your local children's hospital. Newborns should be placed in rear-facing car seats in the back.
Wearing seat belts is a snap, saves lives daily, and saves billions of dollars. So keep in mind the link between car accidents and seat belts when you take to the roads. We'll all be safer for it.
For more information on seat belt safety tips, statistics and use, or for more information on the Click It or Ticket campaign, please visit the NHTSA's website

Top Ten 4th of July Driving Tips

When many people think of the 4th of July, they think of America’s independence, cook-outs, family gatherings, road trips and fireworks. But what most people don’t think of is road safety. With July 3rd and July 4th being two of the deadliest days to drive, Insurance.com is reminding all motorists to drive safely during the upcoming 4th of July week.

“Car accidents traditionally increase during the summer months, especially during the holidays when alcohol and long road trips are involved,” stated David Roush, CEO of Insurance.com.

“That is why Insurance.com is committed to reminding drivers to play it safe this 4th of July and plan ahead before heading out to a holiday party or on a 4th of July vacation.”

To help keep you and your family safe this 4th of July, Insurance.com has listed their Top Ten 4th of July Driving Tips.

1. Don’t drink and drive. No matter if you are attending a holiday gathering close to home or if you are on a road trip, drinking and driving is never a good idea. Play it safe this 4th of July and either have a designated driver to drive you home or call for a cab.

2. Buckle Up! Wearing seatbelts every time you drive is the easiest way to help keep you and your family safe in the event of an accident. If you are traveling with small children make sure they are in a proper car or booster seat for their age group and height.

3. Watch your speed! State and local police officers will be out in full force during the 4th of July week. So make sure to obey the speed limits of the state you are in and keep a safe distance between the cars in front of you! Remember, a speeding ticket can mean points on your driver’s license and a potential increase in your auto insurance rate.

4. Check your tires. The last thing you want is your own “fireworks display” while on the highway. That is why it is important to inspect your tires before you head out on your trip. Make sure to check the tire pressure in your tires. Many drivers fail to do this – and low tire levels can potentially cost them more money in gas to fuel their car. It is also a good idea to have your tires rotated by a professional mechanic before you leave on a long trip.

5. Make sure your battery has enough juice. If it has been a few years since you replaced your car battery, you might want to do so before you leave on your 4th of July vacation. It is better to be safe than sorry when you are traveling far from home.

6. Turn on your lights. Something many of us fail to check before leaving for vacation are headlights, tail lights and turn signals. To ensure everything is working properly, have a family member or friend walk around the car while you test the car lights and signals from the inside.

7. Pack a first aid kit and roadside assistance kit. It’s always a good idea to keep a first aid kit and a roadside assistance kit in your car at all times. You never know what could happen, so it is better to play it safe. While you’re at it, consider packing a cooler of water, a flash light, non-perishable food and extra batteries.

8. Rain, rain, go away! The 4th of July weekend can bring the sun and blue skies, but it can also bring rain storms. That is why it is important to check the weather before you leave and during your trip. If you do get caught in a torrential downpour, pull off to the side of the road or to a rest area until the rain has stopped. And if the area you are in floods, don’t try to drive through it, find an alternative route. You may have to back track a bit, but it will be worth it in the long run.

9. Watch your surroundings! One of the most popular ways to celebrate the 4th of July is by attending a fireworks display at a local venue. These types of events typically generate large crowds of people and pedestrians. If you are driving to or from a fireworks celebration, make sure to drive with caution and care with these large crowds about.

10. Proof of car insurance. Whether you are traveling close to home or out-of-state you should always have your proof of car insurance in your wallet and in your glove box. It’s a good idea to keep a disposable camera, note pad and pen in your car, just in case an accident occurs.