• You find your vision is generally poorer at night
• You have trouble readjusting to the darkness after passing oncoming cars
• Your vision is blurred in semi or total darkness
• You see a blinding glare or halo around streetlights and oncoming headlights
• You have trouble seeing stars on nights that are clear
• You find street signs are harder to read at night

The good news is that in many cases the root causes of night blindness can be addressed. If you experience any of these symptoms while driving at night, make an appointment with an ophthalmologist. He or she may be able to prescribe eyeglasses or perform surgery to solve the problem. Remember, car accidents will affect your ability to obtain cheap car insurance online and get affordable insurance quotes online. Therefore, if you notice any of the symptoms mentioned above, it’s important to avoid driving at night whenever possible until they have been addressed.

If you currently have cheap auto insurance and you declare bankruptcy, your premium will not suddenly skyrocket. The auto insurance company will be unaware of your bankruptcy, unless you request a review of your policy or if you buy a new car. So, you obviously don’t want to volunteer the information to your auto insurance company, or give them any reason to review your policy. You should wait as long as possible before purchasing a new car or requesting a policy review, so your rates don’t go up sooner than they have to.

The only way the bankruptcy will affect your rates is when you actually do shop for auto insurance quotes. The bankruptcy will appear on your credit report, and therefore result in a higher auto insurance quote than if you had good credit.

But, good credit is not the only determining factor when getting an auto insurance quote. Other factors such as driving history, type of car, where you live, etc. weigh just as heavily. So, while the bankruptcy will have an affect, it will not be the only variable. Its also important to note that car insurance companies are also not allowed to deny you insurance because of a bankruptcy.

The best advice is to hold on to your old car and continue with your current policy as long as possible.

The car insurance company marks the mileage from your odometer, and then tracks your driving for a set period of time, based on their specific policies. Your premium is then based on the amount of miles you drive. Each auto insurance company has a different mileage level, so check with the company to determine if you would qualify for the PAYD option.

This PAYD option began in Europe and is now available in approximately 34 states. Not all insurance companies offer this option, but it is increasing in demand as people opt for public transportation, bicycling or carpooling due to rising fuel costs.

The PAYD auto insurance option also has other positive effects. For one, the environment will benefit and there will be less pollution. Secondly, with fewer cars on the road, there is less chance for accidents. And finally, drivers will not only enjoy cheap car insurance, they will also spend less on gasoline and auto maintenance.

Again, this is a very new concept to the American auto insurance industry, so it is not available from all car insurance companies right now. But it seems to be gaining in popularity, as it is a usage-based auto insurance policy, and fair to all drivers.