How Much Is Car Insurance For New Drivers

Submitted by: Betty Roach

How much is car insurance is one of the most common questions that are usually asked by first-time car owners. This is good for those who think first of security but for those who have not yet bought insurance coverage, today is the earliest time to re-think.

Car insurance is a compulsory responsibility for motorists in Oklahoma. Under the tort law, each person should at least have a minimum coverage. In case of accidents, the car insurance will cover for property damage and personal injury. The problem in not having car insurance is that the uninsured driver takes all the burden of paying for the damage and injury caused to another person.

Apart from car maintenance, buying car insurance should also be one of the main responsibilities of first time car owners. You can meet up with your insurance agent or get quotes to get cheap insurance cars.


How much is car insurance minimum coverage?

For new drivers, buying minimum coverage is a good way to get insured. The cost is not that excruciating though. Whether it is your dad who bought your car or you got it as a prize for yourself, you need to carry at least $25, 000 to pay for an injured person. It is also known as liability insurance, where you are only covered for the liability that arises upon accident.

It also includes $50,000 in case you have injured two or more individuals in the same accident and another $25,000 in case of damage to property. The advantage of having minimum insurance is that you are financially secured in case of unfortunate events. Some people add up additional coverage just to make sure they are free of any liabilities in case they get red-handed in road accidents.

For minimum insurance, the driver who is at fault may pay for the extra cost in case the total amount of liability exceeds the coverage. For instance, if the amount payable to the injured person is $27,000, you will pay for the remaining $2,000. This seldom happens though. If the accident is not too severe, then you are on safe grounds. For all times, it pays to drive with due care and follow the traffic signs.

How to get cheap car insurance?

Oftentimes, young drivers find it hard to get cheap insurance because insurance companies tend to prejudge possibilities. If you search for auto insurance, you can expect your agent to ask a lot of question. But just because you are told to have lesser experience in driving doesn t mean you are not good. You simply need to learn wise tactics to attract cheaper car insurance.

How much is car insurance will basically depend on factors like having a bad record, enclosing previous accidents. For instance, if you purchase coverage several months after an at-fault accident, you will definitely get high premiums because of the risks associated with driving with an at-fault accident. Before visiting your insurance agent, try to get online and compare quotes. Take note of the details of your car and try to assess how much budget you ll need for a specific coverage.

About the Author: Normally,

will open the door to give you the best options possible.


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How To Install An Insect Screen

By Dave Matthews

When the weather gets warmer there can be no more satisfying thing than sitting with the windows open in the evening. Sadly this small pleasure can be spoilt by the many flying, biting insects that also enjoy the warmer temperatures. Luckily these irritating pests can be kept at bay by installing a fly screen. If you are unfamiliar with these products don’t worry as by following this simple guide, you will know exactly what to shop for and how to install your screen.

First you need to decide whether you want to undertake the installation yourself or whether you would rather get a professional to do it for you. If you do decide to have your insect screen professionally installed then the best step is to find a reputable installer in your area and they will be able to take care of the rest. However if you fancy yourself as something of a handyman then you may need to learn a little more before you tackle the project.

You should choose between buying either a permanent or a retractable screen. The advantage of permanent screens is that they are easier to install.


Next you need to determine whether the doorway or window that you are screening is square, whether it has a flat surrounding it and that it isnt obstructed by any objects that may interfere with the installation process. It is likely that any do it yourself screen installation will have a limit on the size of opening that can be covered. In the case where the opening is larger than the screen you have bought, you may need to construct a frame to bring the opening down to the maximum size of the screen.

Make sure that you measure each opening from top to bottom and from side to side. Most screen systems have a base which is secured to the frame and contains a spline that holds the screen in place on the base. They also come fitted with cap pieces which snap into place and serve as a trim in order to cover the spline. Ensure that you add all the individual measurements together in order to determine the total number of base strips and cap pieces required.

Cut the base strips to fit each vertical frame and then attach them by using 1 inch screws. Each slot in the base will hold 1 screw but make sure that you don’t install the screws too tightly or the base may become deformed. Repeat this for each horizontal frame too.

You may wish to get a helper to stretch the screen over the opening. It is important that the screen is tight enough not to sag, yet not tight enough to deform the frame. Don’t be afraid to ask for help during any stage of the installation process as not everyone is a natural handyman. Many hardware stores will offer various screen systems and screen building materials. They will also offer advice and step-by-step instructions that you can take home with you. Remember that all the hard work will eventually pay off when you are able to enjoy those summer evenings without the flying pests!

About the Author: Dave Matthews is writing on behalf of New Blinds, an online supplier of

fly screens



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Faux Finish Leather Look For A Closet Door

By Jessica Ackerman

Nothing says style and elegance like a leather door, and you can create the look of leather for your closet door by applying a faux finish. Over the course of a weekend using a few simple tools and products, you can create a leather look for your closet or other door without breaking into your piggy bank – and end up with a door that competes with those that cost several thousand dollars. Faux leather techniques can create striking textures and add handmade detail with ease.

Supplies You Will Need

For your faux leather closet door project, you will need:

– satin or semi-gloss base coat

– latex glaze

– latex paint


– primer

– plastic wrap

– cheesecloth

– mixing cup and mixing bucket

– medium nap roller

– stipple brush

Preparing the Door

Remove the door from its hinges and move it to your working area. You can lay down newspaper to keep from getting pain and glaze on other surfaces as you work. The door should be clean and sanded smoothly. Remove all hardware from the door, including the door knob. While you can work on one side at a time, you might also stand the door up on edging that will not be seen when the door is re-hung (the one that the hinges are installed on) and brace each end with clamps. This might sound a bit difficult and awkward, but with the right maneuvering of clamps and braces, you can do both sides at once.

Painting the Door

Even if the door seems to be in good shape and has been painted before, you should apply a coat of primer anyway. Once you have given the primer time to dry, you can start applying the base coat to the door, which should be semi-gloss or satin finish paint in the “leather” color that you like; avoid flat or gloss finishes. Work in small sections; apply the base coat over the primer with a paint roller. Allow your first base coat to dry completely, and then apply a second base coat.


The next step in the faux leather technique is called glazing. You will mix up a solution of one part semi-gloss or satin color that was used in your base coat with four parts of latex glaze. Glaze is clear and works to make the color that you mix it with become more transparent, and since glaze doesn’t dry as fast, will give you time enough to work your leather pattern. Stir the glaze and the paint well to make sure it is blended. Using a paint roller, apply a very generous coating of this mixture to a section of the door that is as wide as your paint roller.


Now you’re ready to leather the door. Using a medium roller, apply a generous coating of the mixed glaze to about a two-foot-square section of the wall. Roll the glaze in a random pattern. Tear off a section of clear plastic wrap (around two foot or so) and crumple it up like you’re planning to stuff it in a small bottle; this gets the plastic wrap “crinkly”. Then lay the plastic wrap out flat on top of the strip of glazing that you have applied to the door. Press the plastic wrap with the flat of your hand so that you only apply pressure, not fingerprints or finger marks.

Apply plastic wrap to the entire section. You can use your stipple brush to lightly press the plastic wrap further into the glazing. Then, use the stipple brush to lightly brush the plastic, which produces the pattern of faux leather. When you are satisfied with the pattern, peel away the plastic very slowly and take care not to touch the door. You should immediately see the look of leather. Using cheesecloth that has been dampened with plain water, gently pat any sections where the leathering pattern is too intense. Repeat the process for each section of the door, on both sides. Apply a finishing clear coat to keep the paint from chipping off, and allow this finishing coat to dry. Re-hang your door and enjoy your “expensive” leather work.

About the Author: With signature design style, Jessica Ackerman, an online writer with, describes bold approaches to metal tree wall sculpture and grapes and wine decor.


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