What Impacts Your Car Insurance Premium?

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info MASTER 2

Wow, is there a lot of information on this infographic.  Not only is there a lot, but it is printed very, very tiny.  There is too much to go through in one post, and you’ll have to enlarge the image to see the detail, but it is worth it to see all the things that can impact your car insurance premium.

Some Highlights

Wheel/tire in the center branches out into sections like insurance history, coverage levels, gender, age, martial status, location, driving record, make or model of a car, vehicle use and credit history.  I’ll give you one tidbit from each “spoke” to provoke you to read all of them.

Insurance History

Insurers want to know if your previous policy was cancelled for non-payment?  Why?  You have to follow that thread on the graph.

Coverage Levels

Coverage limits and deductibles will affect your monthly rates – inspect the infographic to find out how.

Gender

Men have more accidents than women.  But does that mean their insurance premiums are higher?

Age

Some age groups are at higher risk and have to pay higher insurance premiums.

Marital Status

Married people have lower rates.

Location

Where you live, drive and park your car matters.

Driving Record

Drivers with previous violations prove to be higher risks which means their rates will be higher as well.

Make or Model of Your Car

Insurers consider the risk of theft, cost of the car and repairs, and overall safety record when determining rates.

Vehicle Use

The more you drive, the higher your risk, and the higher your rate.

Credit History

Your credit score helps determine your insurance score.

Big Items

Cell phone use while driving is popped out and you’re given a lot of information on that.  Same with speeding.

The Golden Rules

Comparison shop, pay your bills on time, keep your house in shape and drive responsibly.  All these things will help you save money on your car insurance.

Scorecard

Design:  C

TOO MUCH TINY TYPE!  The idea is good, but they could have gotten the idea across in a way that would be easier to read.

Information:  A

This is all the information you need to know not only what affects your car insurance premium, but you can find out intuitively the steps you need to take to fix your insurance score by learning these facts.

Source:  Car Insurance Infographic provided by Cheaper Car Insurance


The Google Driverless Car

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google-driverless-car

Have you even heard about this?  It’s not a new thing – a factoid at the top tells us that the General Motors Futurama exhibit at New York City’s 1939 World’s Fair featured a driverless electric car.  It was controlled by radio and powered by circuits embedded in the roadway.

It’s Coming

Now they tell us that Google has been testing vehicles equipped with driverless navigation systems, and that the cars tested have driven 1000 miles without human intervention and another 140,000 miles with a little bit of human intervention.  Incidentally, 140,000 miles equates to driving around the globe 5.6 times.  That’s a lot of driverless (or almost driverless) driving.  Nevada is on board with this, having recently passed legislation removing legal barriers around driverless technology.

It’s Safe?

They state the fact that 93% of all automobile crashes are caused by driver error, be it intoxication, texting while driving, etc.  Of all the Google driverless miles that have been driven, there have only been 2 crashes, and both times a human was behind the wheel.

Think of All Those Books You Can Read

“40 minutes of drive time becomes 40 minutes of ‘do something else while your car drives you where you need to go’ time.”

Efficient?

When you think about the fact that the average car is immobile for 96% of its lifetime (sort of like people), a driverless car can increase efficiency.  Your car can be doing something while you’re doing something else.  The examples given are both about sending your car to take your kid someplace or pick your kid up from someplace.  How do you feel about that?

Lost Jobs

There are 232,300 taxi drivers and chauffeurs in this country.  AND there are 647,500 bus drivers, 70% of whom work in school districts.  But then, would you put your kid on a driverless bus?  Who tells them to sit down?

Lost State Revenue

I’ll just quote their example directly.  “If each of California’s 22.6 million licensed drivers opted to get a $25 ID card instead of a $31 license renewal, the state would loose $135,943,728.”  Yeesh.

Reduced DUI

10,228 people died from drinking and driving-related accidents in 2010.  Those lives could have been saved if nobody was driving, and the cars drove themselves, right?  112 million people drive drunk every year.

And Parking…

When the car drives you, it can just drop you off wherever you are going, so you don’t have to park.  You just program the car to come get you.  In New York City, for example, you could save $10,000 per year on parking costs.

Scorecard

Design:  A+

This is a really good-looking infographic.  Seriously.  I have no criticism.

Information:  A

I’d give it a + but I’m afraid of technological advances like this.  What if the cars turned against us?  Kidding….

Source: Driverless Car from Life Insurance Quotes


Uncle Bob’s Moving Guide

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Move Ville

Who is Doing the Moving in America?

Uncle Bob throws us some statistics, so I’m just going to list them for you here:

The average American moves 11.7 times in their lifetime.  I don’t know how you move .7 times, but I digress.

Women will stay at a residence for about 5.6 years, while men only stick around for 4.9 years.  Men and women tend to stay in the same country.

Relocation is supposedly the third most stressful life event you can have.  It disrupts your routine, culture shock, and does other bad things to your head.

People in their 20′s move more than people of other ages, and more than 15% of all movers move out of state.  College?  Job transfers?

Renters move more often than homeowners.  Of course.

Helpful Moving Tips

Purchase good moving materials

Number and label each box to keep track of what is where.

Pack each box completely, and use paper to fill up gaps.

Be clever.  Move clothes and linens in drawers, and wrap up knick knacks and pack them inside your pots and pans.  Use space wisely.

Thoroughly clean your appliances.

Where Do People Go?

Palm Coast, Florida.  Warm, fun, etc.

St. George, Utah.  Good weather.

Las Vegas-Paradise, Nevada.  Vegas, Baby.

Cape Coral, Florida.  See above.

Raleigh, NC.  The Triangle.  Woot.

Scorecard:

Design:  A

It’s pretty.  What can I say?

Information:  A

Who knew all that stuff about moving?

Source: 

Just who is doing all the moving in America? This infographic offer readers
tips on how to move more efficiently and which locations are seeing the
highest increase in population over the past decade. Uncle Bob’s Self
Storage offers valuable add-on services such as Dri-guard, a
state-of-the-art dehumidification system. Patrons can also take advantage of
Uncle Bob’s rental trucks  and a national Customer Care Center that features a fully integrated sales and
reservation system for storage units.


Safe Road to Santa’s Workshop – Road Sign Safety

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Safe Road to Santas Workshop

No matter what time of year, it’s important to follow road signs and obey traffic laws.  Especially in the holiday season, when so many more people are on the road shopping for gifts and traveling to see family, road hazards are dangerous and a real threat to your happy holiday season.  This infographic brings to light ten road signs that should receive your special attention.  Be diligent out there!

Deer Xing Signs

Pay attention to this one, especially with the deer population rising.  Over 100 people die every year because of deer/auto collisions, of which there are 500,000 annually.

Stop Signs

12% of all traffic fatalities are pedestrian deaths.  If you’re driving, pay attention to stop signs.  If you’re walking, watch out for cars that don’t stop for stop signs.

Don’t Drink and Drive Signs

With holiday parties and whatnot, more and more people take a chance and get behind the wheel after too much wine, eggnog, or other libation.  In 2009, December saw over 2,000 fatal car accidents.  Guess how many of those were alcohol-related?

Share the Road Signs

Every year, 51,000 cyclists are injured by cars.  Just as much as a motorist needs to be mindful to share the road with cyclists, so do cyclists need to be careful of cars who don’t, in fact, want to share the road.

Stop for Pedestrian Signs

Just to reiterate the problem with pedestrian accidents – know that over 4,000 pedestrians are killed every year.

Buckle Up and Drive Carefully Signs

Every year 35,000 people die in a car crash.  Half of them would live if they’d only wear their seat belts.

Snowmobile Signs

While these aren’t seen all over the country, when they do appear, take heed.  Snowmobile accidents kill 200 people and injure 14,000 people every year.

No Texting While Driving

If that terrible television commercial that aired in 2010 wasn’t enough, maybe the information that over 5,000 people die every year because they are distracted while driving will keep your eyes off the smartphone and on the road.

Fire Hydrant Signs

Know where your water source is.  25,000 chimney fires happen every year in the U.S., and that causes over 30 deaths.

Speed Limit Signs

The speed limit is there for a reason.  An increase from 55 MPH to 65 MPH raises the accident fatality rate by 22%.  No matter what the road conditions may be, follow the speed limit to the tee.

Scorecard

Design:  B+

The graphics are OK, and the text is clear and easy to read.

Information:  B+

Some really good information, but I think better statistics could have backed up the stop sign segment of the infographic.  Pedestrian deaths are addressed twice, and other accidents and fatalities can happen as a failure to stop.  Plus, the Drinking and Driving information does not explain explicitly how many deaths per year occur as a result of alcohol, something that should be spelled out because it is such a problem.  Another way to make the information pack more of a whollop would be to include the cost of each infraction.  Not only can you die, if you survive you REALLY have to pay.

Source:  Road to Santa’s Workshop from Road Traffic Signs

 


Southern New Jersey Pedestrian Deaths Infographic

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DeadliestRoads_FinalOct2011

This infographic deals with pedestrian deaths in Southern New Jersey.  I’ll tell you that when I first heard the topic, without seeing the infographic, I thought, “how many could there be?”  A lot, as it turns out, is the answer.

The Numbers

In 2009, there were 157 pedestrian deaths in Southern New Jersey.  112 were male, 45 were women.  52 out of 136 who were tested for alcohol had alcohol in their systems.  74 people died when crossing the road where they weren’t supposed to.  17 died from crossing at an unmarked crosswalk.  The majority of pedestrians killed were between the ages of 25 and 64.

The Roads

The five roads that saw the highest number of fatalities between 2007 and 2009 occurred on roads in Burlington County, Ocean County, and Atlantic County.  The route numbers are 130, 9, 322, 40, and 30.

Scorecard

Design:  B+

The infographic is very easy to read and clear.  The information is presented in an easy-to-understand way, and the colors used are easy on the eyes and therefore effective.

Information:  A

Who knew that the roads in Southern New Jersey could be so treacherous.  As it says at the beginning of the infographic -
“look both ways before you cross!”

Source:  NJ Pedestrian deaths by Console and Howell


How to Buy a Used Car Infographic

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net cars

This handy infographic gives you tips on buying a used car.  And in today’s economy, that’s about all we can afford, right?  This infographic aims to keep you from buying a lemon.

The first thing you see is a “quick reference guide” that points out the different parts of a car you should be concerned with.

After that, the  infographic delves in to 20 things you need to remember when buying a used car, including things about the “tyres.”  This is a UK infographic.  I checked with our resident Brit, and he says that be it a “tyre” or a “tire,” they are right that if it’s bald it’s no good.

Other things to consider are the brakes, the paint, the service history, whether the car has been tested and taxed, the clutch, the company selling the car, the oil, the exhaust, whether or not anyone’s used the car for racing, any modifications that have been made, and whether or not the car is a fair price.  Another thing they mention is that it is important to find out how much it costs to insure the car you’re considering.  It doesn’t do you any good to buy a used car if you can’t afford to insure it.

Is the car a “cut and shut?”  This is when someone welds the front of one car to the back of another car and passes it off as a whole car.

Does the car drive straight?  Has it ever been in an accident?  Does the person who owns it have the right to sell it?  Does the VIN on the chassis match the VIN in the service book?  Are the seats, floors, and other interior in good condition?

The infographic urges you to conduct a private sale at the buyer’s home.  That way, if something goes wrong, you know where they live.  Don’t meet in a neutral location.  Odds are the seller is up to something.  Also, dont’ be afraid to haggle.  You never know until you try, right?

All in all, no matter where you live, each piece of advice is sound and good to follow.

Score Card

Design:  A

I like the use of white, blue, and orange.  The colors pop, but it isn’t too busy, and overall the infographic is easy on the eyes.  I like the font used, I like the image at the beginning, and I think the icons they used for the 20 tips look almost like a driver’s manual, which has a neat effect.

Information:  A

All the information is good.  Some of the tips are obvious, but that is good.  It just reinforces what the reader already knows, which makes the information the reader didn’t know that much more credible.  The information is presented in an attainable writing style, and even though it’s a UK-based infographic, the knowledge one gains can be used anywhere.  The information is not UK-specific, per se.

Source: used car infographic by Netcars


Supercar Rivalary – Ferrari vs. Lamborghini Infographic

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Supercar Rivalry

For those of us who can’t afford to buy one of each and test out their merits, these nice people have created an infographic to tell us, when our ship does eventually come in, whether we should lean to a Ferrari or a Lamborghini.  Meaning, we learn everything we can about each, and decide which one we like better.  Or, we at least learn a lot about luxury, sporty, sexy cars.

The Battle

Both cars are Italian in origin.  The CEO of Ferrari is Amedeo Felisa, while the CEO of Lamborghini is Stephan Winkelman.  Ferrari was founded by Enzo Ferrari in 1929, while Lamborghini was founded by Ferrucio Lamborghini in 1963.  So far, comparisons of the actual car are not present in the infographic, though it is interesting to learn this bit of history.  Moving onward, we will learn more history.

Brief History

Scuderia Ferrari was founded as a race team in 1928.  Supposedly, years later Ferrucio Lamborghini was snubbed by Ferrari and decided to make his own fancy car.

First Road Cars

For Ferrari, it came in 1947 and was the 125S.  For Lamborghini, it came in 1964 in the form of a 350 GT.

Current Owners, Units Sold, Net Revenue, Largest Market Countries

Fiat owns Ferrari, and Audi owns Lamborghini.  In 2010 Ferrari sold 6,573 units, while Lamborghini sold 1,302.  It would be helpful to see how many units each car maker PRODUCED, because that could skew the data, but oh well.  Net revenue for Ferrari was $2.7 billion in 2010, while it was $382 million for Lamborghini.  In 2010, the largest market countries for Ferrari were the U.S. and Italy, while Lamborghini did best in China, and also the U.S.

Current Offerings

Ferrari is currently offering the FF, California, and 599GTB models, while Lamborghini is offering the Gallardo LP560-4, the Spyder, and soon will be offering the Aventador.  It would have been nice to see the price tags on each model.  That would also help us better understand the net revenue.  Better yet, it would have been nice to see not only the price for each car, but the number of units of each that were sold in 2010.  But that’s just me.  Hungry for more data.

Best Selling and Fastest Models

The bestselling Ferrari ever is the 360 at over 17,000 coupes and convertibles sold between 1999 and 2004.  The bestselling Lamborghini is the Gallazdo, selling 10,000 coupes and convertibles between 2004 and June 2010.  The fastest Ferrari is the Enzo, which can go 217 mph – 0 to 60 in .34 seconds.  The Aventador LP700-4 by Lamborghini  the fastest.   It can go 217 mph as well, but can go 0 to 60 in 2.9 seconds.

Most Expensive Models

For Ferrari, the most expensive model is the 1957 Ferrari 250 Testa Rossa, which sold for $12,402,500.  There were only 22 made.  Lamborghini’s most expensive model is the 2007 Revention, which cost $1,600,000.  There were only 20 of those ever built.

Celebrity Crashes

Cristiano Ronaldo wrecked his 599 GTB Ferrari, and Russell Brand crashed his Gallazdo Supezleggeza Lamborghini.  I don’t know why this section is in here.

Cost to Insure

They don’t give you the cost.  Instead, they quote J.P. Morgan, who said “If you have to ask, you can’t afford it.”

And the Winner Is…

They don’t tell you.  They just tell you that you can always get a Porsche Boxter if you can’t afford a Ferrari or Lamborghini.

Design:  B-

There is too much wasted space.  I like that they used the fonts for Ferrari and Lamborghini, respectively, but the Lamborghini font is kind of hard to read.

Information:  B-

As I mentioned above, I would have liked to have seen the data for the most popular models in terms of price and units sold, instead of just getting that information for the most expensive models.  Also, a pet peeve of mine – don’t set up a competition between two things and refuse to pick one as winner.

Source:  Car Insurance List and Affordable Car Insurance


San Francisco Battle of the Bridges

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20110513 Elance sftravel bridgesB

This infographic might be very interesting to a person who lives or works in San Francisco.  To someone who doesn’t, it was mildly interesting to see the differences between the Golden Gate Bridge and the still-to-come Bay Bridge.  If you’re a bridge fanatic, this is exactly the kind of stuff you like.  Unless you’re an extreme bridge fanatic, in which case you’ll probably already know all the information given on this graphic, and will want more detailed information about how many man hours each will take, the amount of paint it will take to paint the lines on the road, and stuff like that.  Or, if you’re afraid of bridges, this graphic could give you a big old case of the heebie jeebies.  But I digress…

Bridges in San Francisco – There Was a Big One, Now There is Going to Be A Bigger One

Assuming everyone cares about the difference between these two bridges, the biggest question here is what the researcher considered to be the criteria for “California’s greatest bridge.”  Does the location make one greater than the other?  Is the older one greater because it was built first, in a time that provided more challenges to a project of its scope?  Is the newer one greater because it is much longer?  The infographic  shows which bridge comes out on top for each category, but doesn’t state earlier in the graphic what will actually determine the “greatness” of the bridge.  I’m thinking a different title might have been more appropriate.  The data collection is great, but the organization of the Bay Bridge stats, and then more stats below compared to Golden Gate Bridge stats was a little confusing for me.

San [Font] Cisco

The title font is just awful.  I see what they were going for – a Rice-A-Roni sort of feel, but it doesn’t work for me and, let’s face it, nothing looks good with it.  The typeface right below it is a serif font, but later in the graphic there is a clean typeface I think they should have used throughout.  I think everything from “Today’s Bridges” down looks fantastic, and gets the point of the graphic across.  I just wish they had “tallied” up to see who “won.”

Which Bridge Is Better?

In the side by side comparison, the bridge with the “greater” stat had its data presented in larger letters or numbers, to indicate who “won” for that category.  Again, had there been a tally or conclusion at the end, I would have liked it better.  They probably want the viewer to decide for themselves, but I guess I’m lazy, because I wanted them to tell me which bridge was greater.

As infographics go, I think this one accomplished the goal of communicating data, though the mix of typefaces was a little much for me, and if they weren’t going to come down on one side or another I wish they’d presented the comparison in a different way.

Design: C-/B

C for the top part with all the wonky typefaces, but B+ for the lower section.  From “Today’s Bridges” down it was a quite attractive infographic.

Information:  A-

It tells loads of information about both bridges.

San Francisco bridge information about Golden Gate Bridge facts and Bay Bridge Construction submitted by SFTravel.com


What Determines My Car Insurance Rates [Infographic]

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car-insurance-infographic

Car Insurance Rates get Graphic

It has been a while since we reviewed a dark, mostly black infographic, so I’m excited to give it a whirl. This infographic deals with a topic most of us view as a necessary evil: car insurance, but I digress…

This truly is an infographic, as in informational graphic. The bottom two-thirds of the image is heavy-laden with bulleted text that informs you of facts and tidbits related to all things car and insurance. For example, State Farm is the largest auto insurer in the United States and by a large margin. A handy bar graph is included right below the textual information to let you know just how big of a margin that lead really is. Where the heck is Geico? Surprisingly, It isn’t in the top 10 of insurance carriers. Poor little gecko.

As a parent to a male teen I certainly wasn’t surprised to learn that male teens pay the highest premiums of anyone, even with a clean record: $2500 a year sounds about right. Even more details are given about how car insurance is affected by the type of car you drive, what your credit rating is (really!) and how even your occupation figures into higher premiums: actors, pilots and scientists are apparently high risk. Actors and pilots I can understand, but scientists? That is surprising to me.

The one number that caught me off guard was the $80,000 that the average American spends on car insurance over a lifetime. Wow. Makes you think about walking and biking a little more.

Obviously this infographic is no slouch for details which means the informational side of things is well insured, but what about the graphics? Is it like a car wreck, so bad you can’t look away or does it safely support the text with a good use of image and color? Well, except for the initial graph the colors are rather muted and used against a dark gray/black background so nothing really pops after the first graphic. There really aren’t any eye-catching images, just graphs and a few tinted images of the United States map, some cars and some $100 dollar bills.

All the images support the theme but have been regulated to supporting players rather than featured objects, and there is nothing wrong with that. Unfortunately the largest, brightest image is also the least interesting, visually speaking. The creator of the infographic does do something fun and shows the large graph of information as it would look based on specific person such as an 18-year old unmarried female vs a 55 year-old married female. The pie chart graph changes wildly when looking at different types of drivers and gives you a good idea of how very different rates can be. Nice job there. I found that to be an extremely creative use of this type of pie-chart/graph.

My only real complaint would be the use of such small text being reversed out on a dark background. This is notoriously hard to read and even harder to read when done at such a small point size. Thankfully the used a very clean and readable font and stayed away from a serif typeface.

Design: B-

The infographic design was crisp, clean and slick all around. The choice of reverse type (and it was a lot of reverse type) is questionable, but it followed the theme put in place. The design was thought out and a strategy was followed and that surely counts for something.

Information: A

Even though the information about car insurance was hard to read, it was interesting to squint and read it all. I learned a few things about a subject matter that is usually dry and/or considered to confusing to look into so kudos to the research team.

via Car Insurance

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Airbus 8360 Facts

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airbus2





airbus8


This sleek, highly informative infographic examines the Airbus 8360 and the various relevant facts that pertain to it. This graphic states many statistics that I personally wasn’t aware of. Most of us knew that it was the largest commercial airliner in the world, but did you know that it has 49 percent more space than the next biggest commercial plane, the Boeing 747-400. That is rather significant because it means that the Airbus is not only the largest commercial airliner in the world, but is far and away the largest in the world. Much like Kareem Abdul-Jabbar’s all-time scoring record, it is a record that is unlikely to fall in the immediate future. It is unlikely that there will be another airbus as large anytime soon, especially given the state of the airline industry.

Here are some more intriguing facts culled from the graphic:

–The bus can hold a whopping 853 people.
–It has better fuel efficiency than a hybrid car. Let that sink in. If only hybrid cars could be made with the same type of amazing engineering.
–The plane’s tail is equal to the height of five stacked giraffes.
–If all the wiring in the plan was laid end to end,
–The plane can carry 3,000 suitcases, enough for five for each passenger!

Without a doubt, flying in this plane is an extremely luxurious experience. Buckle up. It’s gonna be a bumpy grading ride (I think, someone, off in the distance, just revoked my pun license.

Design: A-
The design is very strong. A nice use of charts here. And the graphics have a sort of classroom, captivating feel to them. I found that appealing.

Content: A-

Talk about facts! This baby is dressed to the nines with facts! There is no shortage of information when it comes to prominent planes, and it seems clear that the creators of this graphic had no intent to leave them out. Overall, this graphic is quite commendable.

This graphic has been provided by http://www.netflights.com/