A study conducted by a researcher at Purdue University reveals that men over the age of 45 are more likely to get into car accidents on icy or snowy roads.

The risks increase even more for men over 45 years-old who drive pickup trucks with all-wheel drive. The researcher believes men with all-wheel drive have a sense of invulnerability, which could lead them to not stop as quickly as they should. All-wheel drive helps the vehicle accelerate, but not necessarily slow down faster.

Men older than 45 years-old are five and half times more likely to be hurt or killed in car accidents in snowy or icy weather. Older men in pickup trucks are 81% more likely to be involved in an accident compared to men of the same age driving a different vehicle.

It is important to have car insurance in order to protect yourself in case of an accident. If you are looking for affordable car insurance contact the Indianapolis auto insurance agents of Insure on the Spot at 1-888-972-SAVE.

A three car crash on Interstate 65 left two people in critical condition and shut down the road for nearly four hours.

A 25 year-old man driving a van was merging into the southbound lane when another vehicle struck his driver-side door. According to Indiana State Police, the vehicle then crashed and spun into the northbound lanes where it hit a semitrailer.

The driver of the van and the 29 year-old driver of the semitrailer were not harmed. Both passengers, a man and a woman, in the other vehicle were taken to IU Health Methodist Hospital with life threatening injuries.

The crash is currently under investigation by the Indiana State Police.

Car accidents are frightening and can happen to anyone. It’s important to purchase car insurance to protect yourself and your vehicle financially in case of an accident. If you or someone you know is interested in purchasing auto insurance, contact the Indianapolis car insurance agents of Insure on the Spot at 1-888-972-SAVE.

Last week, the Indianapolis mayoral candidate for the Libertarian party was involved in a rollover crash.

At around 12:30am, Chris Brown says he was driving on Interstate 465 when the vehicle in front of him slammed on its brakes. Brown says his own brakes locked up and then he over corrected to avoid hitting the vehicle. His car flipped several times, and he was taken to Methodist Hospital with minor injuries.

Brown blames the accident on road rage. He says he believes the driver of the car was annoyed that he was not driving fast enough. After flashing his or her brights a few times, the driver went around, cut in front of him, and then slammed on the brakes. The driver did this one more time before Brown’s vehicle rolled over.

If you or someone you love has been involved in a crash, it is very important that they have car insurance. Car insurance can help pay for your medical expenses and auto repairs if an accident occurs. If you are looking for affordable car insurance contact the Indianapolis auto insurance agents of Insure on the Spot at 1-888-972-SAVE.

Car insurance companies make a lot of tantalizing claims in ads and commercials, but are they really as good as they make them out to be? Some are misleading or come with very important fine print drivers may not be aware of.

Thanks to InsuranceHotline.com, here are some common car insurance myths that have been debunked:

- Accident Forgiveness = No Consequences
Accident Forgiveness comes with some fine print. If you have been in an accident in which serious criminal charges have been filed, such as drunk driving, some policies may not apply accident forgiveness. You also will not automatically be covered by accident forgiveness just because your insurance company offers it. Adding this policy could cost an additional $50-$100 a year. Every company can add its own limitations to the policy, as well.

- Bicyclists Don’t Have to Follow Laws of the Road
Cyclists must obey all laws of the road, just as cars do. The Highway Traffic Act applies to all traffic, and a violation on a bike could appear on your driving record. Violations such as illegal lane changes, failing to signal when turning or changing lanes, and failing to obey traffic lights and signs are some examples of moving violations cyclists can receive.

- No Police Report = No Claim
Just because police were not called to the scene of an accident does not mean a claim cannot be filed. Anyone involved in the accident has two years to file an injury claim and one year to file a damage claim. Only after two years have passed is the risk of a claim eliminated.

To make sure you’re getting the best insurance policy for you, be sure to shop around for the best auto insurance company that can accomodate your needs. Make your search quick and easy by contacting the Indianapolis car insurance agents of Insure on the Spot at 1-888-972-SAVE today.

There are many options when it comes to auto insurance, but some may not be necessary or worth the price depending on the year and quality of your vehicle. Here are three policies that you may want to reconsider purchasing:

- Rental Car Damage Insurance: If you already pay for comprehensive car insurance, then you are already covered when renting a vehicle and there is no need to pay for it again at the checkout counter. If you are not covered by a comprehensive policy, some rental companies will issue insurance for a small fee. This fee is cheaper than an entire year’s worth of auto insurance that includes rental cars.

- Auto Collision Insurance: If your vehicle is already paid off, auto collision insurance is not required. If you’re driving an older car, this extra expense may not be necessary because the vehicle may not be worth the repairs.

- Rental Car Insurance: This policy covers drivers who have been in an accident and need a rental car while their vehicle is getting repairs. Some experts believe, however, that most people rarely rent cars and that the cost of renting out of pocket for a short period of time saves more money than a lifetime of rental car insurance.

Of course, you should speak to an experienced car insurance agent before cancelling or adding any auto insurance policy. The Indianapolis auto insurance agents of Insure on the Spot can make your car insurance search quick and easy. Contact them by calling 1-888-972-SAVE.

According to Allstate’s “America’s Best Drivers Report,” two Indiana cities have been ranked as having the safest drivers in the country. Fort Wayne ranked 15th and Indianapolis ranked 46th out of America’s 200 most populated cities.

Allstate’s ranking is based on the collision frequency; Fort Wayne drivers have an average of one collision every 11.6 years and Indianapolis drivers experience an accident every 10.3 years. The average American driver will be in an accident every 10 years. So which city ranked number one? Fort Collins, Colorado is listed as the safest city in the country for drivers for the second year in a row. Fort Collins residents can expect an accident every 14 years, 28.6% lower than the national average.

To learn more about how to purchase cheap auto insurance, please contact the Indianapolis auto insurance agents of Insure on the Spot at 1-888-972-SAVE.

Same-sex couples in states that allow same-sex marriage pay less for car insurance than heterosexual married couples by nearly 10-15%. So far, Allstate, State Farm, and Esurance have stated that they offer lower premiums to same-sex couples whether their state allows marriage, civil unions, or domestic partnerships.

Married couples as a whole often pay less than single drivers, and married drivers younger than 30 years-old save a considerable amount compared to their unmarried counterparts. Gay married couples who are younger than 30 can see a 15% savings in their auto insurance.

Same-sex couples in California, Washington, D.C., Connecticut, Iowa, Massachusetts, New Hampshire, New York, Vermont, Delaware, Hawaii, Rhode Island, New Jersey, Illinois, Nevada, Oregon, and Washington state could be eligible for lower car insurance premiums.

If you or someone you know is interested in purchasing auto insurance, contact the Indianapolis car insurance agents of Insure on the Spot at 1-888-972-SAVE.

There are many factors that affect one’s car insurance rate; some are based on individuals’ demographics while others are based on past driving records and make of the car. Here are some factors that insurance companies look at that could drastically affect your car insurance rate:

- If you have been issued traffic citations or have caused a serious accident, many insurance companies may view you as a high risk. Drivers with a citation-prone driving history are more likely to make insurance claims; therefore, insurance companies are more likely to charge extra to insure them.

- High crime rates of car theft or vandalism in your city can affect your car insurance premium. The more likely it is that your car could be damaged or stolen, the more insurance companies will charge you to offset insurance claims.

- Weather. If you live in areas that are often hit with hurricanes, severe floods, or tornadoes, it is likely you pay more than other people in states that have less severe weather. Like with crime rates, the more likely it is that your car can be damaged, the more you will pay.

- The make, model, and year of your car can either cause you to pay much more or much less, depending on its safety features. Sports cars, older vehicles, and cars with bigger engines are likely to make insurance rates increase. Sports cars and cars with powerful engines are more likely to be pulled over for speeding, while older cars are less likely to have adequate safety features.

If you or someone you love is in need of affordable car insurance, please contact the Indianapolis car insurance agents of Insure on the Spot at 1-888-972-SAVE.

Earlier this month, Quality Planning, a car insurance analytics company, released the 10 most ticketed cars and the 5 least ticketed cars on the road today. According to the research, 7 out of the 10 most ticketed cars are mostly driven by women and are usually owned by individuals 40 and older. Conversely, the most cautious vehicles were driven by mostly younger people.

Top 5 Least Ticketed Cars:

1. Buick Ranier SUV
2. Mazda Tribute SUV
3. Chevrolet C/K 3500/2500
4. Kia Spectra sedan
5. Buick Lacrosse sedan

Top 10 Most Ticketed Cars:

1. Mercedes-Benz SL-Class Convertible
2. Toyota Camry-Solara Coupe
3. Scion tC Coupe
4. Hummer H2/H3 SUV
5. Scion XB Hatchback
6. Mercedes-Benz CLS-63 AMG Sedan
7. Acura Integra Coupe
8. Pontiac Grand Prix Sedan
9. Mercedes-Benz CLK 63 AMG Sedan
10. Volkswagen GTI Hatchback

If you or someone you know is interested in purchasing auto insurance, contact the Indianapolis car insurance agents of Insure on the Spot at 1-888-972-SAVE.

A new system of auto insurance-buying has recently been launched in Indiana and is set to revolutionize the way drivers purchase auto insurance. The new system, called iMingle, allows groups of friends to purchase auto insurance together in order to receive group discounts.

This new approach to selling auto insurance began in 2010 and is geared towards people of the “iGeneration,” or people who do most of their shopping online. iMingle offers several discounts to drivers, including a 10 percent discount for joining the network.

iMingle is offered in 15 states throughout the country, and drivers can connect with it through Facebook and Twitter.

Purchasing cheap auto insurance can be fast and easy online. To learn more about how to purchase cheap auto insurance, please contact the Indianapolis auto insurance agents of Insure on the Spot at 1-888-972-SAVE.