Insurance can be one of the more significant expenses associated
with vehicle ownership, but it doesn't have to be. Many of the
variables influencing your
insurance rate have to do with
factors that may be difficult to control: where you live, your
accident history, your yearly mileage, and so on.
www.InsuranceHotline.com instantly
directs you to the top 3 insurance companies with the best rate.
If you're still shopping for a vehicle, here is a list of the 10
cars most likely to command the lowest insurance premiums:
With gas prices going nowhere but up, SUVs are
costly enough to operate — you don't need a steep
insurance bill making things worse. Many of the
variables influencing your insurance rate are
difficult to change: where you live, your driving
record, your yearly mileage, and so on.
www.InsuranceHotline.com
instantly directs you to the top 3 insurance
companies with the best rate.
Here’s a list of the 10 SUVs most likely to command
the lowest insurance premiums:
Top 10 Tips for Surviving a Disaster in Your Vehicle
You are your own best friend when it comes to
surviving a disaster. Even dedicated survivalists
who stock their homes with 100 gallons of water,
enough MREs (Meal, Ready to Eat) for the 82nd
Airborne and 500 rounds of ammo have long periods
when they are completely vulnerable: When they're in
their cars.
In your car, is there even a flashlight? A survival
blanket? A first-aid kit? Water or a way to collect
and purify it? Answer "no" to any of those and you
join the vast majority of motorists who are totally
unprepared for even basic trouble. Here are a few
tips that may elevate you from helpless victim to
thankful survivor.
Know that help is
not
on the way:
You can only really depend on yourself. In a
real disaster — an earthquake, terrorist attack,
tsunami or blizzard — help will
not
be on the way. Don't believe it? Dial 911 and
say that there's a big, scary-looking dude
pounding on your back door. Then call Domino's,
and order a large pepperoni. Where I live, the
pizza will be cold when, and if, help arrives.
Now imagine a disaster where 10,000 people — or
100,000 — are calling for help. If you still
think your cell phone will bring help in a
timely manner, tattoo your Social Insurance
Number on your arm so your body can be
identified later.
Don't be your own worst enemy:
While fleeing Hurricane Rita, hundreds became
stranded because they began their evacuation
with empty fuel tanks. If your car constantly
breaks down, your gas gauge regularly hovers
around "E," or you defer basic maintenance (such
as replacing timing and fan belts, radiator and
heater hoses, and rubber fuel lines), it's time
to rethink your priorities.
Prepare appropriately:
The less hospitable the environment, the more
preparation is required. Think northern Ontario,
on the coldest day of the year. It’s not unheard
of for a person to freeze to death if forced to
spend a cold January night, or two, in a car.
Make sure you’re prepared for the worst.
Keep warm and dry:
Those who spend little time outdoors will
discover that even when the days are warm, it
gets very
chilly at 4 a.m. An aluminum-coated Space-brand
or Mylar blanket costs $3, is about the size of
cell phone, and will help retain body heat in
cool weather and reflect sunlight in hot
weather. Chemical hand and body-warmers make
brutal conditions tolerable. Also include a
plastic pocket poncho.
Your car can act as a tent to protect you from
the elements unless a vehicle wreck breaks your
window. Mend that with a roll of duct tape and
super-thick trash bags.
Water is critical:
Without water, death can come within a few days,
perhaps in a few hours in very hot weather. Keep
a couple of jugs of water in your trunk. For
most of Canada and the U.S., it's OK to rely on
ground water. You can also make stream water
safe in a half hour using iodine water treatment
crystals, which you can purchase at camping gear
stores like Mountain Equipment Co-Op.
Light the darkness:
Emergencies and darkness seem to go together.
Pack a conventional flashlight and spare
batteries. Keep the batteries alive by leaving
them in the original packaging or by installing
them backward in the flashlight and taping over
the terminals. Another solution is to pack a
powerful DC-powered work light, which connects
to your car's battery through the 12-volt
outlet. Your kit should include some
old-fashioned road flares, which can help
prevent other motorists from striking your
stranded vehicle and can double as excellent
fire starters and signaling devices.
Be able to play doctor:
It's a toss-up as to which is more difficult,
fixing a modern car or treating an injured
person. But in an emergency, you might be forced
to play doctor. The best bet is to start with an
off-the-shelf "vehicle first-aid kit." In
addition to standard items found in such kits,
add a tube of Super Glue (for closing small
wounds), latex surgical gloves, a topical
antibiotic (like Neosporin), aspirin or other
pain reliever, and an anti-diarrhea medication
(such as Imodium tablets). Include critical
personal medication and, if you're sensitive to
bee stings or ant bites, an antihistamine such
as Benadryl.
Fill your belly:
In an emergency, many learn the difference
between "hungry" and "starving." Without food,
most folks will survive for a couple of weeks:
Consider it the "disaster diet." But you'll be
more comfortable if you pack a couple of
military-style ready-to-eat meals (available
from camping or survival stores) or cans of
Spam. One way to tell you're truly hungry:
You're eating Spam.
Carry some extras:
Pack a can of tire inflator/sealant and a
container of radiator stop-leak. Duct tape can
be used for anything from repairing a punctured
radiator hose to securing bandages. Also include
a pair of thick leather work gloves, a small
fire extinguisher, an old pair of running shoes
and toilet paper. Include some cash and a couple
of dollars in quarters. Carrying your survival
kit in a backpack will help you transport your
supplies should you be forced to leave your
vehicle.
Defend yourself:
If TV coverage of Hurricane Katrina didn't
convince you that a form of self-defense is a
critical part of an emergency kit, then you
weren't paying attention. Except when thrown by
a major league pitcher, a cell phone is not a
self-defence device. Try keeping pepper-spray or
a club handy instead. Also know that your car
comes with a last-ditch self-defense device: a
lug wrench.
In addition to everything mentioned above, your
car already comes with some survival equipment:
The radio supplies emergency information; the
rearview mirror can be removed and used as a
signaling device.