Pay as You Drive Car Insurance- a Win-Win Proposition

Written by D.Demetre

Continued from page 1
Pay as you drive auto insurance is an excellent idea for those individuals who do not use their car very much or try to find cost saving methods or environment saving alternatives. Currently this type of program is not yet available, but there are supporters in many states who are hoping to change that soon. Groups including Environmental Defense,repparttar Conservation Law Foundation and evenrepparttar 137485 U.S. Environmental Protection Agency are working to organize a national cooperative that would work with insurance companies to offer deep discounts for low-mileage drivers; halfway a step toward PAYD (Pay As You Drive) insurance. General Motors and On-Star Offers PAYD Rates. In mid-2004 General Motors Acceptance Corporation (GMAC) Insurance began offering mileage-based discounts to OnStar subscribers located in some states. The OnStar system reports a vehicle's odometer readings atrepparttar 137486 beginning and end ofrepparttar 137487 policy term to verify mileage. Motorist who drive less than specified annual mileage can receive insurance premium discounts of up to 40%. PAYD programs are also currently available in Israel, South Africa and Holland. PAYD is gaining momentum, and will be coming to your area soon.

D.Demetre is a contributing author at, where you can get free cheap auto insurance quotes

Tales of the Autobahn - Driving Germany

Written by Jack Smith

Continued from page 1

Perhaps, but for motoring buffs its sometimes hard to tell whererepparttar fantasy leaves off and reality begins. Imagine an impeccably maintained network of highways some 7,000 miles long with banked turns and broad travel lanes that winds past snow-capped mountain peaks, along half-timbered Rhineland villages and sun-drenched vineyards, whererepparttar 137389 only limits arerepparttar 137390 traffic onrepparttar 137391 road,repparttar 137392 power underrepparttar 137393 hood, andrepparttar 137394 nerves ofrepparttar 137395 driver atrepparttar 137396 wheel. It is not, as race car driver Hurley Haywood points out, forrepparttar 137397 faint of heart. Onrepparttar 137398 track youre all goingrepparttar 137399 same speed, says Haywood, three-time winner ofrepparttar 137400 24 Hours of Le Mans . Onrepparttar 137401 Autobahnrepparttar 137402 differentials in speed are enormous. The trucks inrepparttar 137403 far right hand lane may be going 40 miles an hour whilerepparttar 137404 cars inrepparttar 137405 middle lane are doing 70 or 80. Meanwhilerepparttar 137406 cars inrepparttar 137407 left hand lane are going 100 mile an hour faster thanrepparttar 137408 traffic inrepparttar 137409 far right. Its more stressful than racing.

Indeed, weve all heard stories of tourists whove returned home traumatized by their first ride onrepparttar 137410 Autobahn. The speeds, they say, defy all reason. Paradoxically, when Germans return home fromrepparttar 137411 States they say muchrepparttar 137412 same of American roads. I recall driving on American highways, says Dr. Marcus Schmitt, physician for Mercedes AMG German Touring Car Championship racing team, and a man who routinely wheels his E55 AMG at multiples ofrepparttar 137413 limits posted on American roadsides. I felt a constant state of dread. It wasrepparttar 137414 speeds. You Americans drive so slow.

In fact, says Dr. Schmitt, who has studiedrepparttar 137415 relationship between speed and attention spans, its a wonder there are not more accidents on American roads. A drive traveling at your speed limits is a safety hazard. It is hard to stay awake. You cannot concentrate.

Ultimately what separates Germans apart from other drivers is not how fast they drive, but how well. This is, after all a country where nobody is granted a license before completing 24 hours of training inrepparttar 137416 classroom and more than two dozen driving lessons with an instructor, including four onrepparttar 137417 AutoBahn. Passing onrepparttar 137418 right is strictly forbidden, andrepparttar 137419 motorist who does not pull over to let a faster vehicle pass is both rare and unwise. Perhaps most important of all, driving at high speed is not a way to get from point A to point B, but a birthright. For German carmakers,repparttar 137420 Autobahn separaterepparttar 137421 cars they build and those made anywhere else inrepparttar 137422 world. Our engineers drive to work at 220 kilometers an hour (137 mph), observes one BMW official. The Japanese riderepparttar 137423 train.

The problem is, that while Mercedes, BMWs, VWs and Audis have gotten faster,

To read this entire feature FREE with photos cut and paste this link:

Jack Smith, Jetsetters Magazine MotorEditor Read Jetsetters Magazine at To book travel visit at and for Beach Resorts visit Beach Booker at

Jack Smith, Jetsetters Magazine Correspondent. Join the Travel Writers Network in the logo at

    <Back to Page 1 © 2005
Terms of Use