7 Things You Didn’t Know Could Affect Your Auto Insurance Rates

Auto insurance rates are impacted by numerous factors. In many cases, consumers might even unknowingly miss out on some potential auto insurance rate savings due to other factors and issues within their lives.
The following is a list of several things that could affect your auto insurance rates:

Your Credit History
Failing to pay your bills on time can adversely affect your auto insurance rates. In fact, according to a recent survey of auto insurance customers conducted by NerdWallet, drivers with poor credit ratings can find themselves having to pay as high as twice as much as those drivers who have an excellent credit score.

Marital Status
A person’s marital status can affect auto insurance rates because statistical data shows that married people do not file as many insurance claims as singles. In fact, married people will actually find themselves paying less for auto insurance than those who are single, divorced or even widowed.

Education Level
Education level has an impact on your auto insurance rates, too. The higher level of education that you have, the better auto insurance rates you are bound to pay. The education level indicates social and occupational status to insurers and underwriters. Highly educated people tend to buy multiple cars as well as multiple policies, making for a win-win for insurance companies to gain back discounts through multiple policies from the same household for everything else from life insurance to RV insurance.

Job Status
Your job status can impact your auto insurance rates in correlation with your education level. A front line worker will pay more for his or her auto insurance than the supervisor or manager. Such distinctions help insurance companies evaluate the insured’s ability to cover deductibles in case of a claim.

Rent or Own
Owning a home has all sorts of benefits such as equity and and asset with the ability to appreciate over time, but it can also save you money on your auto insurance rates. Numerous insurance companies lower rates for those who own their own homes as opposed to renters. Also, these same companies also provide discounts for homeowners who have multiple policies such as home, auto and life bundled into an insurance package.

Grade Point Average (G.P.A.)
How well you do in school can have an impact on student driver discounts. For insurance companies, grades correlate with risk. The better the grades, insurers believe, the lower the risk. For young drivers, it pays to have good grades, even when it comes to auto insurance rates.

Likelihood of Insurance Switch
Some companies count of customers not comparison shopping when it comes to auto insurance. Based upon this assumption and prediction, these companies are not as likely to offer rates for loyalty and longevity with policies. Comparing rates might prove to lead to a switch to another insurance company, but most insurance companies do not expect many customers to make the switch or even a side by side comparison.

Consider these factors as you compare auto insurance rates.

Car Safety Tips You Need To Know About

Car safety is a really important issue, yet sometimes people do not pay enough attention to it as they should. There are simple steps that drivers and their passengers can take to ensure that each and every journey by car is completed safe. Many of the tips included here may seem like common sense yet people do not always act or think safely once they climb into the driver’s seat. Some easily avoidable road accidents prove people could keep themselves safer simply by being more careful.

With this in mind here are essential yet not always obvious car safety tips you need to know about:

Before you turn the engine…

Ensure that all the little things are right. For instance, make sure there is enough gas in the tank to get you to your destination and back. At the very least make sure there is enough fuel to get you to a gas station if need be. For longer journeys, consider taking a fuel can; that may come in handy if you cannot reach the gas station and you still have to fuel the car if you can’t fill it up at a station.

Check your tires for pressure as well as wear and tear, and inflate them if driving with a heavy load. Also check that your spare tire is good enough if you need to change a flat.

Inspect your windshield wipers, and if worn make sure to replace them.

Check your documents, if they are out of date then have them updated.

Take supplies for an emergency, such as a flare, flashlight, fuel can, candy bar or other non-perishable food, bottle of water, and a blanket in winter.

Check to see that your car insurance is up to date and what is covered by it before hitting the road as well.

While on the road …

  1. Reduce speed

The faster you are driving, the more likely you are to crash. For instance, at 10 mph above the limit driving in urban areas will save you several minutes but increases the risk of being in an accident by 50%.

  1. Do not get distracted

It is easy to be distracted but that is not good when you are driving. Listening to music, sending a text, making or answering a phone call can distract a driver for long enough to cause an accident.

Tests have shown that on average it takes 4.6 seconds to send a text, if driving at 55 mph you will have driven the length of a football pitch without paying attention to what is around. That is enough time for a fatal accident to happen.

  1. Avoid needless risks

Do not take risks, so it is best to avoid drinking and driving, ignore your phone ringing, and do not take your eyes off the road.

  1. Three Second Rule

Basically keep three seconds distance away from the vehicle in front of you. What this distance is, exactly, is the amount of time it would take for you to catch up to where the car in front of you is located. The idea is that if something goes wrong in front of you, you have enough time to react.

  1. Buckle up

All drivers and passengers should put on their seat belt. It is literally a five second action that could save your life. Plus, it’s the law.

  1. Stop when tired

If you are sleepy at the wheel, stop driving as soon as you can. Take a break, get someone else to drive, or do whatever else you have to do but it is essential that you stop driving. Drinking and driving is extremely dangerous and is absolutely illegal, but tests have shown that driving while sleep deprived can actually yield more fatal results.

  1. Drunk driving

Drunk drivers are dangerous, simple as that. In the United States 30% of fatal accidents involve a drunk driver.

  1. Slow down in bad weather

If you cannot see properly or the road is too slippery, then slow down, or even try to pull over until the weather clears if you can.

  1. Anticipate

Think ahead, and notice possible dangers to avoid them. Staying alert helps.

  1. Keep up with repairs

If there something that needs repairing or replacing get it done before you drive.

What To Do If You’re In A Car Accident

When you are involved in a car accident, it can affect your ability to think clearly. This is why it is important to put together a plan about what you would do in the event of an accident now, while you are able to keep a level head and consider everything that you need to do. Having a plan in place can reduce some of the stress that may occur if you do have an accident, and it can also make any insurance claim that you have to make much easier. There are seven key steps that you should bear in mind.

Move Somewhere Safe If Possible

If you are not too badly injured, and your car is still drivable then you should try and move it too a safe place, such as the side of the road. If it is not possible for you to move your car, then putting your hazard lights on can warn other drivers that there is a problem.

Get Out Of The Vehicle And Turn Off The Engine

Turn off the engine and put the hand brake on before you leave the vehicle. Check all around you to see if it is safe before you get out, especially if you are still on the road. If you need a moment to compose yourself before moving onto the next steps, it may be safer to do this outside of the vehicle.

Check On Anyone Else That Is Involved

If you have been involved in a collision with another vehicle or a pedestrian then you should go and check on their condition. Always call for an ambulance if you suspect that another person has been injured.

Inform The Police Of The Accident

The police should be informed that there has been an accident, even if the collision was only minor. You should answer all the questions that the police may have for you, but while you are at the scene you shouldn’t accept fault for the accident, or try to blame the other party. The police will conduct their own investigation into the cause of the accident.

Gather As Much Information As Possible

You should make a note of information that you may need later to ensure that you do not forget anything. You should get the names and contact details of anyone else that was involved in the accident, and any witnesses. It can also be helpful to get the make and model of other vehicles, and the registration.

Take Photos Of The Scene

If you have your mobile phone and you are able to take photos of the scene, then you should do so. If this is not possible, then it may be helpful to make a simple sketch to jog your memory later.

Contact Your Insurance Company

You should contact your insurance company as soon as possible after the accident, so you can get started on your claim quickly. There may be other information that your insurance company need, such as police reports, but the sooner you can get things started the better.

It can also be a good idea to ensure that you are prepared for an accident in terms of the equipment that you have in your car. It is always useful to carry a first aid kit in your car, and you may also want to keep copies of information that may be useful in the event of an accident such as contact information for your insurance company and any important medical information. You should make sure that your phone is fully charged when you are going out in your vehicle, especially if you are going on a long journey.

How to Know When You Need Commercial Auto Insurance

Car insurance is a necessary type of coverage that all people must have for their vehicles. Nearly all drivers do have standard liability coverage for their automobiles but in some cases they might need more protection. If a person uses their car for more than just driving to work, school and running errands; they will probably need commercial car insurance. The following information will inform drivers about their need for commercial car insurance.

Making Money with the use of a Vehicle

A person should get commercial coverage when they are using their vehicles to generate income. If an individual makes over $500 within a year performing some type of transportation with their auto then they will need to have a policy. Certain jobs such as delivering goods, supplies, materials, newspapers, pizza, food items or messenger services are commercial activities that a person will need to have insurance to legally perform.

Transporting People for Money

If a person uses their vehicle to taxi people around an area or if a person has a vehicle for chauffeuring people around then they will need commercial insurance. Individuals that are a part of a livery service will need them as well. Having coverage for passenger transportation service is important for the safety and well-being of passengers in the event of an accident.

Vehicles that are registered to a Business or Corporation

Any vehicle that is registered to a company or some type of business must have insurance since it is required by law. All vehicles belonging to any legal business entity must be registered and insured to legally carry out business activities. Companies and business owners must also commercially insure any vehicle that is being driven by a person who is not an employee of their company. This rule also applies to any private vehicle whenever it is being used by a family member or friend for trips related to the business.

Vehicles used to Support another Business

If a person has a vehicle that is used to support their personal business or some type of work that they are performing for a profit; then they will need to insure that vehicle. Vehicles with equipment for this purposes will also need coverage as well.

Leased or Rented Private Vehicles must be Insured

If a person owns a vehicle and they lease or rent it out to other people then it must be insured with commercial coverage. This type of coverage is necessary for ensuring that drivers are covered while they operate a privately owned vehicle that is being leased or rented out.

Vehicles that Contain Heavy Duty Equipment for Commercial Purposes

Trucks, vans and cars that are outfitted with plowing equipment or that are used for catering purposes must be insured with a commercial policy. A commercial policy is also needed for vehicles with altered suspensions, hydraulic lifts, bathrooms and for automobiles that transport any type of heavy duty equipment.

Benefits of Carpooling

Carpooling is a great benefit to you and to others. It’s almost unheard of anymore and is a rarity. Why? It has many advantages, especially if you live within a 20-30 mile distance of your work or school. Carpooling saves time, money, and the planet.

Traveling to and from your place of employment can become a great financial burden, between gas, maintenance, wear and tear, tires, and mileage. When carpooling, the burden can be evenly distributed among passengers, by rotating vehicles, or by each person contributing to the carpooling fund. Studies have shown that those who carpool save up 85 million gallons of gasoline a year, collectively, and yields plenty of other benefits. By sharing your commute with others, not only are you saving yourself money, but you are helping the economy as well.

People who carpool avoid a total of 56,000 miles of traffic, and help to unclog the roads as well, and they also save a total of $1.1 billion on gas and other car costs. The more people you carpool with, the more money you can save. People who drive less save more money in the long run. The mileage on your vehicle also determines how often your oil is changed, how often your tires need changed, as well as many other parts, batteries, windshield wipers, serpentine belts, etc. But when you choose to carpool instead of taking the trek alone, you are choosing to reduce the wear and tear on your car which will save you money in the long run. The less often you need to tune up your car and make adjustments, the less money you will have to spend on getting these services completed. Additionally, it will help lengthen your vehicle’s life span as well, so you will get more for the money you paid for your car in the first place.

If everyone shared a ride just once a week, traffic would be reduced by 20 percent, making our roads much safer and less congested. The average household pays $5.32 a day in gasoline alone, so imagine changing that to just $10.00 a week. With these figures in mind, that $5.32 a day adds up to $37.24 for a seven day work week, a full $27.24 than what you would pay by carpooling regularly – and that adds up! The average person spends $1,941.80 a year on gasoline. Imagine if you could change that price and lower the cost, what you could do with the money you‘d save?!
Another added bonus of carpooling is that it is simply good for you. It significantly decreases your likelihood of developing health issues such as lung cancer. Research shows that those who carpool tend to be less stressed than those who commute on their own. Carpooling is also a great way to meet new people and to boost morale in the workplace by getting to know those that you work with, allowing you to more easily develop a friendship with coworkers and colleagues.

There is no doubt that carpooling is a great option with many benefits. It saves you money, helps the environment, is good for you, and helps you make new friends. Why not make the change as soon as possible? Contact your co-workers and get started on a carpool community today.

What You Need to Know about Driving and Deer Season in NJ

During late fall, there are many animals out gathering food to fatten themselves up for the long winter months ahead. These animals include deer, and in their foraging efforts, they are prone to crossing roads. Avoiding populated areas, deer sometimes go seen until it is too late, and they are often hit by oncoming vehicles as a result. This is a good reason to always wear your seat belt, keep your eyes open and stay as alert as possible. Blind corners on winding roads can be very hazardous between 6 and 10 PM.

If you have comprehensive insurance, you’ll be covered, however, the damage to your car may be very great. Experts state that while your first reaction is to swerve, this can be fatal to anyone else in the other lane if they are nearby. Many people have been killed because of a deer that was avoided in the opposite lane. There are things you can do to avoid hitting a deer, and also to avoid colliding with others traveling at night in the opposite direction.

Light up Your Vehicle
You can light up the front end of your vehicle by using your brights. However, be courteous when doing this in neighborhoods or in the vicinity of oncoming traffic. People might appreciate you being cautious so you don’t kill their neighborhood wildlife, but the same people might be annoyed when you shine your brights in their direction.

Deer Crossing Signs
When you see deer crossing signs, slow down. These signs are there because many others have sighted, or even struck, deer in the oncoming area. Just remember, deer are not confined to only where deer crossing signs are located.

Drive More Slowly
Driving slowly through wooded areas, even if you don’t see deer crossing signs, can prevent collisions with deer. Roads that twist around and have many curves are dangerous because as deer move through an area, you might be recovering from a close call with one deer, only to slam into another from the same herd shortly after. If you see one, you can expect that there are others close by in the area.

Insurance Needs
If you plan on driving in the fall, especially in wooded areas, make sure you examine your insurance policy. If comprehensive coverage isn’t included, you should update this to protect yourself in the event you do strike a deer. Deer can cause a great deal of damage to any vehicle. They are solid and very heavy animals. Hitting one with your vehicle is almost as damaging as hitting a brick wall. Antlers can cause windshields to break, and radiators to be punctured, depending on where their head is positioned when you hit them.

Remember These Tips
If you do strike a deer, in most locations you are allowed to keep the animal if it is dead. You can have the meat processed and stock your family’s pantry with delicious deer meat. This does not go against you regarding hunting limits or licenses. Contact the local sheriff’s office for details on how to register the deer, if that is required. If you have sustained any injuries, these are your top priority, however. If another vehicle is involved and you are able to call for help, check that they are okay and away from their vehicle first. If you have road flares, set these out at the recommended distances from both vehicles to warn others driving into the area.

Where Do you Find the Most Affordable Car Insurance In NJ?

Car insurance is not only a requirement, but it is also a necessity these days. Rather than spend a fortune on your policy, you can spend way less provided you know where to look. By analyzing several test profiles from the leading car insurance companies in major cities nationwide, rankings have been established on which companies offer the most affordable rates. In addition to knowing which companies offer the most bang for your buck, it helps to also know the discounts offered, the scope of the coverage and to be familiar with accompanying cross board support.

Types of Auto Car Policies Available in NJ

First let’s look at the average market rates that a driver expects for insurance on their cars. When it comes to car insurance in New Jersey, car owners can expect their policy options to be either the basic or standard.

What’s offered in the basic policy:

  • Damage liability on property worth $5,000
  • Protection from personal injury cover worth $5,000 per person on one accident.

This policy’s umbrella extends to your personal injuries while the remainder extends to the damage incurred by the other vehicles you hit. The basic policy is highly popular for those with minimal savings and little assets. An open option exists whereby $10,000 is added to cater for any unfortunate injury to your person. However, uninsured coverage for motorists is not available here.

Many recommend that drivers in New Jersey go for the standard policy. It comes with several packages such as:

  • $15,000-30,000 in personal body injury per accident. These perks can be raised higher even further for those with a business or home.
  • A liability on property damage of $5,000 at the least. This sum can however be raised higher even further.
  • The personal injury policy extended per accident or individual is $15,000, with a capability of being raised up till $250,000
  • $5,000 at the least for underinsured property for motorists.

Those who hold this policy have two options; limited and unlimited right to either sue or not.

Cheapest Auto Insurance Service Providers in the State of NJ

A recent study looking at quotes in New Jersey involved over fifty companies. Final results reveal wide variances in rates offered by insurers. The cheapest policy quotes were for middle-aged couples at slightly over $4,600. Research will help you as the client to discover amazing unbelievable savings on your insurance. The study included various locations in New Jersey such as Passaic, Newark and Patterson which are considered to be the costliest cities to get auto insurance. The purpose of the entire exercise is to educate our drivers on the cheapest insurance rate policies.

Some of the cheapest companies in the most expensive cities listed out respectively are:

  • Newark: NJ Farmers/ Mid-Century insurance, Norfolk &Dedham (Fitchburg Mutual) & New Jersey Skylands. Their rates average at $1,540 annually which is 44% lower than the city average of $2,756.
  • Jersey City: New Jersey Skylands, Farmers (Mid-century Insurance), Norfolk & Dedham. The savings here are around $1,398; 43% lower than the market average of $2,439.
  • Paterson, NJ: Norfolk & Dedham, Jersey Skylands; These guys offer 43% lower rates than the Patterson average rate of $2,704 annually.
  • Elizabeth, NJ: New Jersey Skylands and Farmers Insurance & Western United. Their annual average (excluding AAA) is $1,532; which is almost 43% lower than the city average.
  • Woodbridge, NJ: New Jersey Skylands and Farmers Insurance & Western United.

On average the annual premium for these companies arrives shy off $1394 which is roughly 37% ($834)lower than the industry average. AAA Western United Insurance offers the cheapest rates in most cities of operational nationwide. As long as you retain the $60 AAA annual membership status, you are good to go. GEICO is regarded as the cheapest underwriter in the entire state. For purposes of presenting information which will be helpful to the entire population and not just AAA members, AAA have not been included in our analysis.

Teachers Auto Insurance company as well as USAA (in NJ) are the 3rd cheapest, especially when we exclude Western United for relevancy purposes. Residents in Garden state, Perth Amboy, Hamilton or Union City are highly recommended to go for the Teachers Auto Insurance provider or even Dempsey, Weiss & Associates, who also provide insurance options for clients in Salem County as well as some parts of Pennsylvania. They offer great quotes which depend on your background driving. USAA, on the other hand, offers great rates for ex-military members who reside around Gloucester Township, Cherry Hill and Willingboro.

The amount charged on your insurance quotes differ depending on your area of residence and driving history. However, beware that not all companies out there underwrite their policy holders in a similar fashion. For that reason, take time to read and examine the quotes being offered by different companies.

What to Look For in a Vehicle History Report

Many of us need cars in order to get around, but when you buy a new car for yourself, the car does not have to be new in order to serve your purposes. Used cars are always and option, and since their prices are lower they are also very affordable. However, before you purchase any used vehicles car, there are various things that should be checked out first. You need to come with your own mechanic who will inspect the car and check for any damages. He should make sure that all the parts are in working order. After that, you still need to check the vehicle history report.

The vehicle history report is a report that is provided about the car. It gives the full details of everything about that particular car. It does not hold anything back as it mainly contains information that the seller might have not told you or may not know about. It is very important to get a vehicle report as it may save you a lot and may keep you from making the wrong decision. It is accurate and you can never go wrong with this. There are various companies that offer this report as others charge and others are free. The government is the one that issues the cheap free reports but does not give all the information. It only gives you the basic information that you need to know.


What is in a Vehicle Report History?

There is various information in a vehicle report history like;

  • The report will allow you to see all the dealers that have handled and had sales dealings with this car and you get an accurate timeline as to when they were dealing with it as well.
  • You will also see any information regarding auctions the car has participated in and get a clear knowledge of what to expect price-wise.
  • You will also get access to police reports in order to see if the car has ever previously been in an accident and how many times it may have been involved in other incidents. The report lets you know what has been damaged during the accident, too. The police report may also show you if the car is illegal or if the owners are trying to sell you an illegal car.
  • Your vehicle history report will also show you how many people have owned the car since it was bought as this is something the owner might not be willing to disclose. It goes into details and gives a full report of the previous owners and the years that they have owned the car.
  • The report should outline the year and date of manufacture since it was first made. This is very important as you get to know how long the car has been in service.
  • It also gets to show you the maintenance of the car. This shows you how many times it has been serviced. The kind of record that the owner has will tell you how well the car has been maintained and if it’s worth buying. A car that has been serviced regularly is the best.
  • The most important thing the report can show you is the description of the car and the name of the person who currently owns it. You should check if they both match in the logbook and what the seller is telling you.

Look for any kind of marks the car might have and if you suspect anything be sure to check in the vehicle reports history and make sure that everything lines up. After you have checked for the report history, then it is time to get yourself that car. The place that you decide to go and find yourself that report is entirely up to you. You can decide to go to a company that will charge you a fee but give you every detail that you need to know. You can also use the government as it is cheap and will give you the basic information that you need.

How Defensive Driving Can Save You Money and Your Life

Car crashes in America have a huge impact our economy and on society every year. Automobile accidents can lead to higher car insurance costs or and are unfortunately often the cause of lost lives, too, but this is only the immediate impact. Nearly 2.5% from the gross domestic product yearly is used up by the costs vehicular accidents, or the damage caused by them.

The sad truth is that with all the statistical data gathered about car accidents, one thing is clear in most all cases. The majority of all crashes, collisions and other vehicular related events are easily preventable. How can automobile accidents be so easily avoided? Simply by using defensive driving principles. When applying defensive driving rules, most drivers will reduce roadway risks and avoid many dangerous situations.

Here are some ways how defensive driving can save you money and your life, use them in good health.


Drive the Speed Limit

Driving excessively fast not only wastes fuel, but it is unnecessarily dangerous. Wasted money from high gas costs is bad enough, yet losing your life is the more immediate concern. Always try to drive at speeds which match with the driving conditions facing you. This means that sometimes even the posted speed limits will be too rapid. When there is limited visibility, icy roads or we weather conditions, always drive a little slower. This guarantees you will have enough time to react to the actions of other drivers. Another thing related to speed limit adherence is not being a tailgater. No matter what speed you are going, it will do no good at all, if your car is already right up against another vehicle. At any speed, it is critical to give other drivers a full car length of space, between yourself and their automobile.


Be Conscious When Driving

Focusing on the task at hand is another part of good defensive driving. This means always wearing your seat belts, don’t let yourself drive aggressively and keeping your full attention on your driving. Be focused on the road and constantly scan ahead, so that you are aware of anything ahead of your vehicle. Checking the front, rear, right and left sides using your mirrors is equally important. Keep an eye out for other cars, trucks, motorcycles, bicycles and pedestrians too. Being conscious of your surroundings will help to avoid many potential accidents.

Don’t Get Distracted or Paranoid

Being aware is the key to good driving, thus a defensive driver is never a distracted driver. Anything that causes your mind to wander is a distraction. Don’t let yourself be concerned with anything other than the task of driving. Think about safety first, you are in control of your vehicle and other drivers are relying on this. In an emergency situation, don’t become paranoid by letting yourself get overwhelmed. Always set your mind to concentrate on the immediate surroundings, the traffic nearest to your vehicle and anything that is an immediate risk factor. This is the most important defensive driving technique and it will save your life in a true emergency.

What You Need to Know About the New Jersey Car Seat Law

New Jersey takes the lead in child passenger safety in the entire United States by enforcing new regulations. The most recent changes to the NJ State Car Seat Law have been prompted by the many deaths and injuries of children under the age of 14 in car accidents in recent years. This new regulation took effect on the 1st September, 2015 with the aim of providing safety to all children. Car crushes are the number one cause of deaths of children over six months in the United States so it is important that safety measures are in place to protect children and to hopefully lessen the statistical chances of death in children via car accidents.

In the provisions of the new law, parents are obligated to observe the American Academy of Pediatrics recommendations for use of child safety seats. There are a variety of seats on the market, but a parent can only choose a car seat that meets the federal standards and is appropriate for the age of the child using the car seat. Any child under the age of 2 or weighs 30 pounds or less ought to be protected in a rear-facing child safety seat that comes with a five-point harness. Any child between the ages of 2 and 4 years or weighs up to 40 pounds should be secured in a child-safety seat that comes with a five-point harness as well, but may be facing forward or to the rear. Any children between 4 and 8 who are less than 57 inches tall will need to be secured in a forward facing seat equipped with five-point harness or a booster seat. Children between the ages of 8 to 17 will not need to be in a car seat, but absolutely need to use the vehicle seat belt.

Child safety seats ought to be placed in the back seat. It is also advised that any child under the age of 13 years will be safer seated in the back as well. If there are no back seats, the child shall be secured in the front seat of the vehicle, however, the particular vehicle must be equipped with an active passenger-side airbag.

Parents are advised to have a certified child passenger safety technician inspect the seats or visit the child safety seat inspection station. These technicians will be able to advise whether the seats have been installed appropriately. Some of the faults to look out for would be: if any parts are missing, if it has been set in a wrong position and if the seat belt has fault in locking and unlocking. It’s also important for a parent to ensure the children are seated and have their seat belts on before the beginning of the journey. Remember the safety seat will only offer protection to the child when appropriately used, if in doubt read the manufacturers manual for a step by step instructions regarding the direction the child safety seat must face; how to secure the child in a car seat; and how to secure the child’s seat belt.