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The reason for the mandate on car insurance is easy to justify. No one is forced to drive, but if all those who decide to drive carry valid insurance, the cost of insurance will be low. Should too many people drive without valid insurance, rates rise. Worse it becomes prudent to carry uninsured driver insurance. The cost of insurance for honest drivers is therefore significantly higher than it should be.
What should be done?
From a technology perspective, it's easy to link the databases used by insurance companies and the local Department of Motor Vehicles. Whenever anyone seeks to register a vehicle or to renew a driver's license, it should be the work of seconds to confirm whether this person has a valid policy of insurance in place. As a good example of the benefits that come from this link, the experience in Michigan points the way forward. Every year, the state DMV is required to register slightly more than seven million passenger vehicles. Up to this point, drivers have been able to present a paper certificate as evidence of a valid policy of insurance. In a test run for the new computer system in July, 16% of the paper certificates presented were found to be fake. As a trial, this has been a great success with more than four thousand vehicles registrations suspended because there's no valid insurance cover.
Fraud reduction should be the priority
The fake paper or card certificates are openly advertised online, e.g. on Craiglist (obviously they come with disclaimers). Some of the forgeries are quite sophisticated with the fraudsters running proper telephone lines so that if anyone calls to query the validity of the certificates, they can make reassuring noises. Others have a joke quality as if they are never intended to be used in a real world situation. But every person who does produce one, whether it's at a DMV office or the scene of an accident, is causing harm. The more people avoid paying, the more difficult it is for all the honest drivers to find cheap car insurance.
Michigan is now moving to confirm the link between all the databases. With up to 20% of all vehicles on American roads being without insurance, the use of computers to combat the fraud is essential. This should apply not only to the DMV offices around each state. There's no reason why the insurers' database should not be available to all police officers while on patrol. If you tie in the license plate reading systems with the database, the police officer would be able to pull up any uninsured vehicles on the road. The more quickly these vehicles are removed, the greater the incentive for drivers to buy the relevant insurance. Only then can everyone else expect their car insurance quotes to start falling. Is that not what we pay out police officers to do when they are out on mobile patrol?
If you have concerns over visible thinning and hair loss it is especially easy to feel vain about the look of your hair. Yet, some men don't seem bothered by their receding hair lines or shiny scalp, and embrace their baldness instead by shaving their heads completely. Is going bald with so much enthusiasm really a good idea, or is it better to consider treatment for your hair loss instead?
The History of Baldness
Since just about the dawn of time planned baldness, or the shaving of your head for the sake of fashion, has been in stye.
- In ancient Egypt, Rome and Greece, shaved heads were not uncommon and were even preferred. Egyptians then wore stylish wigs over their shaved heads for the blunt-cut black hairdo that so epitomizes this culture's fashion history. Priests in Egypt took this concept even further by removing all hair via plucking, including facial and body hair.
- During the reign of King Louis XIII of France, his premature baldness (at the tender age of just 23) led to a new fashion craze: the elaborate, curly-haired wig. Wigs soon became a status symbol in their own right, as evidenced by most of the royalty throughout Europe as well as the first American presidents.
Baldness wasn't always the height of status and fashion, however. In fact, a number of cultures viewed shaving the head as a punishment or penance, which is why so many prisoners are seen with bald heads in historical photos and etchings. Other cultures shaved their heads in times of mourning to show their grief as well as giving respect to their loved ones. And even very recently, a Japanese pop star shaved her head to show her contrition for violating the rules of her band, begging forgiveness for her transgressions.
Baldness as Fashion Trend
These days, more men are likely to shave their heads and flaunt a shiny skull rather than covering up with a wig afterwards. Stars like Bruce Willis, Bryan Cranston in Breaking Bad and Vin Diesel have all made headlines with their squeaky clean look that has become synonymous with the tough guy persona. Even more elegant actors like Patrick Stewart, Ben Kingsley and Stanley Tucci are recognizable by their characteristic hair-or lack thereof.
Whether as a deliberate fashion statement or natural occurrence, there's no denying that baldness is a very distinctive look. As such, it might not be right for everyone. For men who don't want to resort to the buff action star look, Propecia offers a simple solution that not only prevents active hair loss, but also encourages regrowth even in dormant hair follicles. Rogaine offers another treatment option: a cream that needs to be applied twice daily for maximum effect instead of coming in pill form like Propecia. If you're not quite ready to commit to going bald, there are plenty of options to keep the hair you have.
A car is something that every teen wants at some point. One of the best experiences a teenager can have is the freedom that comes from obtaining a vehicle. More than iPods, or cloths, a car is the number 1 thing that teens look forward to. With all the costs that teenagers rack up when becoming drivers any savings can end up being a lifesaver. Car insurance is generally high for teen drivers so it pays to wring every discount possible, and get as good of auto insurance quotes as you can manage.
One of the more profound impacts on young drivers is good parenting. To ensure that they are good drivers themselves you should be a good role model for their driving habits. In a more proactive approach there are some things that you can do to make sure that they are safe on the road, and that will save you on their auto insurance quotes.
- Driving courses: Most states require a driver's education class, but even in the states that don't drivers Ed can be a valuable tool for young drivers.
- Defensive driving courses: Defensive driving courses will not only make sure that your teenage driver is safe on the road, but nearly all auto insurance companies look favorably on drivers who have taken them. This leads too much better auto insurance quotes when you go to get your teen driver insured.
Education is not only important for your child's future, but also many car insurance companies give discounts to good students. In general students with higher grades are more likely to be responsible drivers, which makes them less of a liability to insure, and thus better auto insurance quotes. This can be a great tool for forcing a struggling student to get their act together. Using their car as a reward for good grades pays off double in better grades and better insurance quotes.
Picking safe car can end up saving a bundle on car insurance. Remember that much like adults car insurance the little things such as the color а a car can mean better auto insurance quotes. Other car safety features can help as well, like air bags, automatic seat belts, GPS tracking. Not only to they make the car safer to drive, but also get you better auto insurance quotes.
The Internet has also given us the most powerful tool ever for getting better auto insurance quotes. The ability to quickly gather many auto insurance quotes and compare them side by side for the best prices and coverage makes even teenaged drivers affordable to insure so long as you are willing to put forth a little effort to find the best prices.