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The average yearly auto insurance premium is around $800, but there is wide variation around this average. Many factors can affect your premium, and they all help determine how likely you are to have an accident. Perhaps surprisingly, many of them do a better job than just your driving record. Not all companies use all of these factors, and some might use factors not listed here. Your premium may depend on, in no particular order: Your driving record. The better your record, the lower your premium. If you have had accidents or serious traffic violations, it is likely you will pay more than if you have a clean driving record. You may also pay more if you are a new driver and have not been ins
As Memorial Day weekend approaches, home chefs everywhere are reaching for their grills, eager to usher in the long-awaited barbecue season (admit it, I know you're one of them!). To that end, NFPA recommends that grillers pay particular attention to safety this spring and summer when home fires involving grilling incidents occur most often. These days, we know that people grill throughout the year of course, but maybe you didn't realize that July is the peak month for grilling fires, followed by May, June and August? It's true! So we need to stay mindful and focused on our grills when we're cooking, especially when entertaining with friends and family as all that activity around us can be d
Hurricane Preparedness Week, May 15-21, is a perfect time to start thinking about how to prepare for a potential land-falling tropical storm or hurricane. On average, 12 tropical storms, six of which become hurricanes form over the Atlantic Ocean, Caribbean Sea or Gulf of Mexico during the hurricane season which runs from June 1 to Nov. 30 each year, according to the National Weather Service. In the Central Pacific Ocean, an average of three tropical storms, two of which become hurricanes form or move over the area. The primary hazards from hurricanes, also known as tropical cyclones, are storm surge flooding, inland flooding from heavy rains, destructive winds, tornadoes, and high surf and
Spring has sprung and for millions of boaters in the U.S. that means it’s time to take their boats out of winter storage and put them in the water. For many boaters, annual preparation and cleaning projects are necessary rites of spring that help prevent problems that could keep them off the water once the season is underway. Fuel System Inspect the fuel system for leaks or damage and be sure to pay special attention to fuel hoses, connections and tank surfaces. Evidence of a damaged fuel hose includes softness, brittleness or cracking. Replace components when necessary and verify all fittings and clamps are properly secured. Ensure the engine, exhaust and ventilation systems are all functio