Archive for September, 2010

Best car booster seats for kids reviewed in recent test.

Child booster seats are necessary to help safely restrain a child in seat belts that are normally designed for adults. According to recent testing by the Insurance Institute for Highway Safety (IIHS), they’ve come a long way in improved fit.

According to the IIHS, booster seat safety comes down to how well the lap and shoulder belts are positioned on average booster-age children in most automobiles. Lap belts should be across the child’s upper thighs, and shoulder belts should lie along the mid-shoulder. The belts should not be riding up on the child’s tummy, against their neck or falling off their shoulder.

What the IIHS found was that for the first time in their testing, there were more products with top booster seat ratings than ones that they don’t recommend. This is good news for parents, because it probably means there are more choices out there to help them find the best booster seat.

If you already have a seat but it doesn’t fit perfectly, you should keep using it until you can get a better one. The IIHS notes that children age 4 to 8 who ride in boosters are 45 percent less likely to sustain injuries in a crash, than if they were in seat belts alone. That’s significant.

You can read more about the IIHS review and their ratings here.

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College students and insurance.

Insurance is probably the last thing on a college student’s mind right now. Classes, homework and homecoming are getting a lot more attention than auto or health insurance. And it should be that way; parents or students shouldn’t have to worry about insurance during this time. So it’s worth it to take few minutes and review your situation.

Auto insurance
— If your car is insured under your parent’s auto policy, but you will be living away from home, the insurance company will need to know where the vehicle will be garaged. Location is one of the factors that determine car insurance rates, and the insurer will need to know this. If it makes a big difference in premium, you may want to shop around and see if you can get lower quote for your own policy.

For parents, if a child is listed as a driver of your vehicles, but they won’t be driving it anymore because they don’t live at home, notify your auto insurer. It may lower your premium.

Health insurance — If you’re no longer covered under your parent’s health plan, see if your school offers an accident or illness student health insurance plan. You can also shop for full time student health insurance quotes to find a plan for your needs.

Dental insurance
— There are a couple of options here if your school doesn’t offer a dental plan. You may be able to find individual dental insurance in your area that’s affordable by comparing quotes. Also, you may consider a discount dental plan. With these types of plans, you pay a membership fee and receive discounts on many procedures at participating dentists.

Personal property insurance
— Many of your possessions may still be covered against theft by your parent’s homeowner policy, but double check to see what the limits are for off-premise items. You also may be able to purchase an affordable renters insurance policy to cover your items.

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