8 Things that Can Affect Automobile Insurance Premium

If you’ve bought a car, you have to insure it. Depending on the type of an automobile insurance policy, any damage caused by your car will be covered. The policy will also cover the costs for your vehicle and for you or your family members, if you get hurt in a car accident.

Factors affecting insurance premium

Some of the factors that affect your automobile insurance premium rates are mentioned below:

1.  Age: The insurance companies regard young generations as reckless drivers and more prone to cause accidents. So, if you are below 25 years of age, you have to pay a higher premium.

2.  Gender: Women are considered as safe drivers, so, they have to pay a less amount of premium.

3.  Marital Status: If you are a married person, you need to pay a less amount of premium. A single person has to pay a higher rate of premium.

4.  Driving record: f you have a good driving record, with no traffic tickets or accidents for the past few years, you will have to pay less premium rate.

5.  Type of vehicle: If you have a very expensive car or a sports car, it is more likely to get stolen, so, you have to pay more premium rate for insurance.

6.  Location of the vehicle: If you live in a place that is well-known for vandalism or car theft, you will have to pay a higher rate of premium, as the insurance agency considers that living in such an area means your car is more likely to get stolen or damaged. If you live in an area having heavy traffic, you have to pay a higher rate.

7.  Your credit history: If you have a good credit history, you may have to pay a less amount of premium, as the company will consider you as a person who will not be a defaulter in paying the premiums.

8.  Your profession: If you are in a profession like a banker or an office executive, it means that you have to travel less, as you will do most of your work from your office only. In that case, you need to pay less premium rate. But, if you are in a profession which involves lot of travel, like a newspaper vendor or a salesperson, you have to pay a higher rate of premium.

You can lower your insurance rate by paying higher deductibles. You should compare the rates offered by different automobile insurance companies before finalizing your policy with one.

Sure, the Desire’s coming to a handful of regional American carriers later this year, but what if you want the smaller, sleeker, more aluminum-clad Legend? Well, there aren’t any carrier-branded options in the States — but it seems that a number of unlocked units with US 3G bands are starting to ooze out of the cracks. Negri Electronics has an 850 / 1900MHz 3G Legend in its store for a shade under $500, which means you’re not getting much of a discount over the more powerful 850 / 1900MHz version of the Nexus One — but you are getting a pretty sweet unibody shell and an optical d-pad. Any takers?

HTC Legend with North American 3G now available unlocked originally appeared on Engadget on Thu, 17 Jun 2010 18:29:00 EDT. Please see our terms for use of feeds.

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We still can’t get time with the Fender Mustang Pro guitar controller while actually playing Rock Band 3, but the gang at the Mad Catz booth were fine enough with us letting us toy around on its own, sans game. So, how does it feel just silently going through chords and scales? Sturdy as can be, sure, and the 100-plus buttons for the neck feel like they’ll stand up for a good bit of time. That said, it felt harder than a real guitar locating the strings and frets — especially a pain for faster chord changing. Also a burden? No ability to bend strings — not that you’ll be able to bend on the Squier Stratocaster either, as it turns out, but that’s a whole ‘nother issue. We also got some eyes on the MIDI Pro Adapter for the Xbox 360, PlayStation 3, and Wii; there isn’t much to look at for now, but if you get your kicks from plastic dongles, hey, we’ve got all the photos you need below.

Rock Band 3 Fender Mustang Pro guitar controller and MIDI-Pro adapter eyes-on originally appeared on Engadget on Thu, 17 Jun 2010 18:08:00 EDT. Please see our terms for use of feeds.

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Hey, look at what we have here — it’s the new Xbox 360 that was just debuted a few days back — and there’s a lot going down with this one which has somehow made its way into the wild. We get the full unboxing treatment, a detailed teardown, and finish up with some delicious, light-paneled modding. While we can’t really gather much beyond what we already know, the drive appears to be a Philips Lite-On DG-16D4S — just in case you were wondering about that one. There’s a video below showing off this one’s new, modded exterior.

[Thanks, Thomas C]

Continue reading New Xbox 360 shows up in the wild, gets unboxed, torn asunder and modded

New Xbox 360 shows up in the wild, gets unboxed, torn asunder and modded originally appeared on Engadget on Thu, 17 Jun 2010 17:44:00 EDT. Please see our terms for use of feeds.

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What happened this week? Oh, that’s right: everything. We’re going to break it down for you fools live at 5:45PM EST, so check out the chat and the stream below the fold.

Continue reading The Engadget Podcast, live… now!

The Engadget Podcast, live… now! originally appeared on Engadget on Thu, 17 Jun 2010 17:28:00 EDT. Please see our terms for use of feeds.

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ThinkLink’s FaceCash mobile payment system has debuted several apps (for BlackBerry, iPhone, and Android devices) which allow you to pay for things merely by scanning your phone — and showing off the attached photo to confirm it is, in fact, your own money that you’re spending. You sign up, link your FaceCash account to your personal checking and savings account, and you’re good to go with participating merchants. The apps can also store credit card numbers and banking information (perfect for when you lose your phone during a night of heavy partying), making it easier to leave your wallet or purse behind… or so they say. Sadly, FaceCash currently only has merchants in California, and really, who wants to live there?

FaceCash mobile payment apps are like real money, only with your face on it instead of someone smart originally appeared on Engadget on Thu, 17 Jun 2010 17:23:00 EDT. Please see our terms for use of feeds.

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Continue reading Razer shows off Starcraft II series of gaming peripherals

Razer shows off Starcraft II series of gaming peripherals originally appeared on Engadget on Thu, 17 Jun 2010 16:46:00 EDT. Please see our terms for use of feeds.

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CNET had a chance recently to get embedded deep within Microsoft’s Windows Phone 7 engineering group, listening in on meetings with OEMs, arguments, celebrations, and all the other drama that comes with trying to ship a huge product that’s new from the ground up in just a couple years’ time. There aren’t any blockbuster revelations in here — no launch devices, ship dates, or prices — but it’s an interesting look at the project from Windows Phone engineering VP Terry Myerson’s perspective, who acknowledges that it’ll take a long time and several releases to catch up to the competition but still thinks they’ll “actually have a lot of happy customers” with version one.

On a related note, some existing Windows Marketplace devs have started getting notifications that Microsoft wants to send them loaner Windows Phone 7 devices — yes, loaners, meaning they’ll need to be returned to the mother ship at some point down the road. They’re apparently set up for delivery in July, which should give publishers plenty of time to stock up the Marketplace in time for that planned holiday launch.

Behind the scenes with Microsoft’s Windows Phone 7 team: ‘I think about this really as a first release’ originally appeared on Engadget on Thu, 17 Jun 2010 16:23:00 EDT. Please see our terms for use of feeds.

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Apple has traditionally been — how shall we put it — cagey with revealing memory and CPU specifics of its mobile devices, but MacRumors is today reporting its discovery that the fourth-gen iPhone’s RAM apportionment will be a very healthy 512MB. We’ve heard similar rumblings from reliable sources of our own. What it means is that iPhone 4 users can look forward to not only the same processor (though potentially at a lower speed) as their iPad compatriots, but also double the memory allowance. Of course, this will hardly be the first handset to offer half a gig for the OS to dance inside, but at least Apple’s keeping up with the times. Wouldn’t wanna disappoint all those pre-orderers now, would we?

iPhone 4 to have 512MB of RAM, double the 3GS and iPad? originally appeared on Engadget on Thu, 17 Jun 2010 15:54:00 EDT. Please see our terms for use of feeds.

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That’s right, Engadgeteers — the tables have turned. Next Wednesday, June 23rd, the Engadget Show returns full force with a very special guest: Jimmy Fallon, host of NBC’s Late Night with Jimmy Fallon (and also a major geek). Jimmy will be sitting down with us for the kind of frank, eye-opening, and downright thrilling one-on-one conversation only the Engadget Show can provide. Not only that, but we’ll have the Microsoft Kinect live and on stage for a hands-on demo — so you’ll get a chance to see it in action long before it hits shelves this November! And there are lots of other major surprises in-store.

We’ll also have music from the inimitable Glomag, along with some stunning visuals. Oh, and did we mention the crazy giveaways? Like… a pair of new Xbox 360s? Seriously, you do not want to miss this one — it’s going to be epic.

The Show will be taking place at the Rose Auditorium in Cooper Union’s New Academic Building, located in Manhattan at 41 Cooper Square. Seating is extremely limited, so get there early!

Here’s all the info you need:

• There is no admission fee — tickets are completely free
• The event is all ages
• Ticketing will begin at 5PM on Wednesday, doors will open for seating at 7:30PM, and the show begins at 8PM
• You cannot collect tickets for friends or family — anyone who would like to come must be present to get a ticket
• Seating capacity is limited (only about 200 seats in the theatre), and once we’re full, we’re full
• The venue is located at 41 Cooper Square New York, NY 10003 (map after the break)
• The show length is around an hour

If you’re a member of the media who wishes to attend, please contact us at: engadgetshowmedia [at] engadget [dot] com, and we’ll try to accommodate you. All other non-media questions can be sent to: engadgetshow [at] engadget [dot] com.

Sprint is offering 50 guaranteed tickets to the Engadget Show taping to the first 50 entrants who text “ENGADGET” to 467467 or enter online! Standard text messaging rates apply. Click for the Official Rules and see how to enter online.

Subscribe to the Show:

[iTunes] Subscribe to the Show directly in iTunes (M4V).
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Continue reading The Engadget Show returns Wednesday, June 23rd with Jimmy Fallon, Microsoft Kinect, and more!

The Engadget Show returns Wednesday, June 23rd with Jimmy Fallon, Microsoft Kinect, and more! originally appeared on Engadget on Thu, 17 Jun 2010 15:33:00 EDT. Please see our terms for use of feeds.

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