Driver's Ed Ch 10 Review

Premium

How much money you pay for your policy

How much you should fill your tires depends on the manufacturer's recommendations. Trying to fill your tires with a lot less or a lot more air than recommended is dangerous. Always check your pressure before driving in cold weather. To increase the longevity of your tires, it is vital that you have your tires rotated on a regular basis.

How much should you fill your tires?

Less

The earlier you can detect a problem and address it, the _______ damage it will cause. Your owner's manual will provide instructions for how often your vehicle's shocks, joints, and struts should be serviced or replaced.

Liability Rental Reimbursement Towing and Reimbursement Comprehensive Collision Uninsured Motorist Personal Injury Protection Medical Payments

There are eight main types of auto insurance.

$40 to $600

You'll also have to pay for registration, tags, and emissions fees, which can range from ______________ annually, depending on where you live and what you drive.

Make sure your vehicle has enough antifreeze, and that the hose for your cooling system is securely attached. Have your cooling system checked regularly. If you see or smell steam from under the hood, you may have a major leak from a ruptured cooling system hose, radiator, or engine core plug. In other words, it's not a good thing. If this is the case, do NOT continue driving your vehicle; get it to a mechanic, ASAP.

What should you make sure your vehicle has enough of?

Liability.

Auto _________ insurance covers you (as well as your family, and others that are driving with your permission) in the event that you end up liable (responsible for damages) in an accident. This insurance handles the cost of injuries and damages to the victims. It also covers car rental fees and punitive damages awarded by the court to the other drivers, but only up to the maximum payout on your policy's dollar limits

title

Before you can register your vehicle, you must have a document called a

Comprehensive.

Covers everything. If your car is stolen, gets caught in a flood, etc.-they all fall under comprehensive insurance. If financing a new car, most insurers require you to purchase comprehensive insurance.

Uninsured/Underinsured Motorist.

Covers you when somebody hits you, rather than when you are the one who causes the accident.

Low temperatures

During extreme cold weather your tires can lose air more quickly due to _______________

2 years

Emissions inspections are valid for ________________

Collision.

Handles damage in a collision: damage to your car, damage caused by your car hitting another vehicle, etc. It's extra protection above and beyond basic liability insurance.

Towing and Reimbursement.

Handles the costs of towing and getting your car to the mechanic and pays the labor charges.

Gas Mileage

If the tires aren't inflated to the proper pounds per square inch (PSI) rating, you will get poorer _________________

Springs

If your vehicle doesn't appear to be level when unloaded, there may be a problem with the __________. Seek the assistance of a mechanic or service station to check for wear, breakage, or sag in the springs.

Ignition

If you hear a grinding noise when turning the key, your _________ may be damaged.

worn ball joints or suspension bushings

If your car pulls to one side, makes a clunking noise when going over bumps, or shimmies when you brake, this may be sign of

Shocks

If your vehicle bounces more than usual, it can often be attributed to a problem with the _________. You should consult a service station as soon as possible. Don't keep driving with bad shocks, as doing so will wear out your tires and add additional stress to the rest of your car, too!

Medical Payments.

Pays for medical expenses incurred in an accident for the driver and passengers in the policyholder's car. Not to be confused with health insurance.

Personal Injury Protection.

Pays for medical expenses and helps compensate you for lost wages and home caregiver expenses, should they be required.

vehicle failures

Preventative maintenance reduces the possibility of ___________________

3.3 percent

Proper tire inflation can improve mileage by _______ percent

Rental Reimbursement.

Provides you with a free rental car if you have had an accident and your vehicle is being repaired.

Squealing brakes. Pulling of the car from one side to the other. Wheel grabs. Brake pedal pumping. Sudden, hard brake pedal. Spongy brake pedal. Grinding of the brakes.

Signs that you need to replace your brakes include the following:

Benchmark Rates. Age, Sex, Marital Status. Location. Type of Car. Car Usage. Accidents and Traffic Violations. Claim Record. Deductibles. Credit and Payment History.

The main factors that can affect how much your premium include the following?

$2000

To register your car, you'll have to pay a state sales tax, which tend to be around _________ on your average $25,500 vehicle.

To title an in-state vehicle: Virginia title with the "Assignment of Title by Owner" and "Application for New Owner Certificate of Title and Registration" sections completed or, if the vehicle is new, provide the Manufacturer's Certificate of Origin/Manufacturer's Statement of Origin (MCO or MSO). Completed Application for Title and Registration (VSA 17A), if you have an MCO or MSO. Proof of address. Proof of purchase price, such as a buyer's order, bill of sale, or the seller's declared sale price on the title. The bill of sale can be a handwritten statement signed by the seller and purchaser or a Supplemental Information for Procurement of Title (SUT 1) signed by the seller and purchaser.

To title an in-state vehicle, you will need to present the following:

For out-of-state vehicles you will need the following: Completed Application for Title and Registration (VSA 17A). Proof of address. Title or registration card from your previous state of residence or a branch of the United States armed forces, with your name appearing as owner OR previous owner's out-of-state title signed over to you. Proof of purchase price if you purchased the vehicle within the preceding 12 months. The proof of purchase may be a buyer's order, bill of sale, or the seller's declared sale price on the title. The bill of sale can be a handwritten statement signed by the seller and purchaser or a Supplemental Information for Procurement of Title (SUT 1) signed by the seller and purchaser. Vehicles that have been owned for 12 months or more do not need proof of the purchase price.

To title an out-of-state vehicle, you will need to present the following:

You will have to pay the following fees: $10 titling fee 3 percent motor vehicle sales and use tax based on the vehicle's sale price, or $35, whichever is greater.

To title your vehicle, you will have to pay the following fees?

12 months

Vehicle inspections are valid for ____________

Consider gas cost and mileage; can you afford to fill up the tank? Is it a sports car or a luxury vehicle? Insurance premiums will be higher and might be past your reach. Will it be expensive to fix if something goes wrong? Is the vehicle new or used? Both new and used vehicles have advantages and disadvantages to consider. How much? The price of a new car is going to be much higher than most used cars. Does it have a warranty? The warranty on a new car will be FAR better than the warranty on a used car. What kind of financing? Lenders offer more favorable terms to drivers buying new cars, since there tends to be a lower risk of something going wrong with a new car versus a used one. Insurance is almost always more expensive on newer vehicles, which means more out of your pocket after you drive off the lot. Depreciation, or the rate at which your car loses its value. A new car will lose 40 percent of its value in just the first three months of ownership. With a used car, there's a good possibility the previous owner has already absorbed a large portion of the car's depreciation value..

What are some things you should consider before driving a car?

Winter weather can cause rubber drive belts to harden and crack. Make sure yours haven't. If you let your ignition system or your electrical system fall into disrepair, well...just like the rest of your vehicle, it's going to cost a lot more to fix than it would cost to keep it maintained! Be smart; have your car serviced regularly. Also have the belt at the power steering pump inspected periodically.

What can cause rubber belts to harden and crack?

Carbon Dioxide

What gas do cars release the most of?

A good rule of thumb is to have them rotated at the time you have your oil changed, however, check your car's manual for specific recommendations.

When should you have your tires rotated?

All tires will need maintenance procedures, like balancing and alignment, even on newer model vehicles. However, no matter how diligently you care for them, tires will eventually need to be replaced. To determine when it is time to start shopping for new tires, observe the wear bars engraved across the rubber of the tire. The wear bars show when it is no longer safe to continue driving on your tires.

Will tires have to be maintained?

Preventive Care

___________________ like changing the oil can cut down on your operating costs; a well-maintained car can even cut down on fuel costs. It is important to regularly replace hoses, belts, and filters. Not doing so can lead to engine damage.

Virginia's Department of Environmental Quality

____________________ can also provide lots of information with regards to vehicle pollution, how to dispose of batteries, fluids, tires, and other environmentally hazardous materials, and methods of energy conservation.