World Latest Creations

Where auto insurance is most expensive

2010-04-19T05:05:00.000-07:00

Louisiana has the highest average auto insurance rates in the United States, while Maine has the lowest, according to new data from Insure.com that ranks the states according to their average insurance rates (see the full ranking below).

The data, which Insure.com released Monday, comes from a study Quadrant Information Services performed for Insure.com to find the most and least expensive vehicle to insure nationwide, which we covered in a March Bucks post. The data, which determined average insurance premiums rates for more than 2,400 vehicles from the 2010 model year from six large carriers across 10 ZIP codes in each state, also enabled a comparison of auto insurance rates in general across the states.

What's behind states' different rates?

According to Insure.com, states' different laws are partly to blame. "Our findings show that the financial ramifications of specific state laws and regulations are driving high rates in certain states," Amy Danise, senior managing editor of Insure.com, said in a statement. "No matter how good your own driving record is, you're paying for the decisions of lawmakers."

Ms. Danise said she had expected to see states with more urban areas at the top of the list but Insure.com discovered from talking with insurance agents that the states at the top of the list have certain regulations that drive up rates in those states. In Louisiana, for instance, more cases are settled out of court with expensive settlements because only cases with claims in excess of $50,000 receive a jury trial there. In Michigan, meanwhile, which had the second-highest average auto insurance rates, state law provides unlimited medical benefits for accident victims for life, probably pushing up auto insurance costs, according to Insure.com.

In contrast, population levels may be why certain states are at the bottom of the list. According to Ms. Danise, the states with the lowest insurance costs tend to be more rural. Maine, for instance, may have low auto insurance rates because its highways are less crowded, which may mean fewer crashes over all.

Here's the full ranking below, and let us know if it lines up with your experiences buying auto insurance in different states.

The most and least expensive states for car insurance:

Rank	State	Avg. Premium
1	Louisiana	$2,510.87
2	Michigan	$2,098.29
3	Oklahoma	$1,869.39
4	Montana	$1,857.96
5	California	$1,774.41
6	South Dakota	$1,772.83
7	Washington, D.C.	$1,753.19
8	Georgia	$1,751.42
9	Illinois	$1,679.15
10	Connecticut	$1,678.90
11	Arkansas	$1,648.80
12	New Mexico	$1,603.65
13	Rhode Island	$1,595.97
14	West Virginia	$1,589.69
15	Alaska	$1,572.21
16	Wyoming	$1,552.98
17	Maryland	$1,550.13
18	Kansas	$1,524.51
19	Kentucky	$1,515.30
20	Colorado	$1,480.97
21	Mississippi	$1,474.94
22	New Jersey	$1,473.73
23	New York	$1,463.21
24	Texas	$1,462.65
25	Florida	$1,453.20
26	Pennsylvania	$1,420.78
27	Delaware	$1,405.80
28	Missouri	$1,390.59
29	Minnesota	$1,381.09
30	Alabama	$1,380.38
31	North Dakota	$1,365.22
32	Hawaii	$1,306.97
33	Indiana	$1,302.51
34	Nevada	$1,282.50
35	Washington	$1,279.84
36	Utah	$1,234.30
37	Virginia	$1,233.36
38	Nebraska	$1,210.74
39	Oregon	$1,194.69
40	Idaho	$1,183.47
41	South Carolina	$1,182.18
42	Tennessee	$1,170.12
43	Arizona	$1,152.50
44	North Carolina	$1,130.45
45	Massachusetts	$1,043.80
46	Iowa	$1,039.04
47	New Hampshire	$1,011.23
48	Wisconsin	$1,010.93
49	Ohio	$999.86
50	Vermont	$968.58
51	Maine	$902.85

Source: Insure.com, from a study commissioned by Insure.com from Quadrant Information Services

Latest Book case design

2009-01-04T10:52:00.000-08:00

World latest creation

2009-01-01T11:12:00.000-08:00

Visitors look at a giant ice sculpture of Santa Claus for the upcoming 25th Harbin International Ice and Snow Festival at a park in Harbin, Heilongjiang Province December 24, 2008. China's freezing northern city of Harbin is building what organisers say is the world's largest Santa Claus ice sculpture.

Let This Be A Warning [PIC]

2008-12-31T10:56:00.001-08:00

Tree Man's branches grow back

2008-12-21T09:31:00.001-08:00

An Indonesian man dubbed the "tree man" because of the gnarled warts all over his body has said his condition had worsened again, although he still hopes to recover and find a job.

Dede, who like many Indonesians goes by one name, returned home from hospital in August after six kilos of warts were surgically removed from his body and has been treated as an out-patient since.

"Those (warts) that were removed are growing again and started to reappear after I returned home," he said, adding that for a time he could go fishing and use a cell phone but now needed assistance again for such activity.

Santa Claus:Find by your eyes

2008-12-20T07:47:00.000-08:00

Penguins wearing Santa Claus outfits stand on a snowy field during a photo call for a promotional event for the Christmas holiday season at the Everland amusement park in Yongin, about 50 km (31 miles) south of Seoul, December 11, 2008. REUTERS/Shin Young-geun/Yonhap (SOUTH KOREA). NO SALES. NO ARCHIVES. SOUTH KOREA OUT. NO COMMERCIAL OR EDITORIAL SALES IN SOUTH KOREA.

RNPS IMAGES OF THE YEAR 2008

2008-12-20T07:45:00.001-08:00

A girl born with two faces rests in her relative's lap at Saini village in Noida, some 55 km (34 miles) from New Delhi March 15, 2008.

Find the latest creation of Pakistan

2008-12-20T07:41:00.000-08:00

In this Nov. 2, 2008 file photo,Pakistani Sunni Muslims devotees return back to their homes on a packed train after attending annual religious congregation in Multan, Pakistan.

See the latest creation

2008-12-02T11:11:00.001-08:00

A large turkey played by actor John Mortone, left, greets 7-month-old Mia Berke as she arrives for her flight at Dallas-Fort Worth International Airport, Wednesday, Nov. 27, 2008 in Grapeviine, Texas. Despite plummeting gas prices and unusual last-minute holiday deals on airplane tickets, more people are expected to stick close to home this Thanksgiving.

See the latest creation

2008-12-02T11:00:00.000-08:00

Beluga snacks : A diver wearing a Santa Claus costume feeds a beluga, or white whale, in a large fish tank during a Christmas show at the Hakkeijima Sea Paradise aquarium in Yokohama, suburban Tokyo.

Amazing Taxco de Alarcón at Night [PIC]

2008-11-25T10:07:00.001-08:00

Tiny, long-lost primate rediscovered in Indonesia

2008-11-19T07:42:00.000-08:00

WASHINGTON (Reuters) – On a misty mountaintop on the Indonesian island of Sulawesi, scientists for the first time in more than eight decades have observed a living pygmy tarsier, one of the planet's smallest and rarest primates.

Over a two-month period, the scientists used nets to trap three furry, mouse-sized pygmy tarsiers -- two males and one female -- on Mt. Rore Katimbo in Lore Lindu National Park in central Sulawesi, the researchers said on Tuesday.

They spotted a fourth one that got away.

The tarsiers, which some scientists believed were extinct, may not have been overly thrilled to be found. One of them chomped Sharon Gursky-Doyen, a Texas A&M University professor of anthropology who took part in the expedition.

"I'm the only person in the world to ever be bitten by a pygmy tarsier," Gursky-Doyen said in a telephone interview.

"My assistant was trying to hold him still while I was attaching a radio collar around its neck. It's very hard to hold them because they can turn their heads around 180 degrees. As I'm trying to close the radio collar, he turned his head and nipped my finger. And I yanked it and I was bleeding."

The collars were being attached so the tarsiers' movements could be tracked.

Tarsiers are unusual primates -- the mammalian group that includes lemurs, monkeys, apes and people. The handful of tarsier species live on various Asian islands.

As their name indicates, pygmy tarsiers are small -- weighing about 2 ounces (50 grammes). They have large eyes and large ears, and they have been described as looking a bit like one of the creatures in the 1984 Hollywood movie "Gremlins."

They are nocturnal insectivores and are unusual among primates in that they have claws rather than finger nails.

They had not been seen alive by scientists since 1921. In 2000, Indonesian scientists who were trapping rats in the Sulawesi highlands accidentally trapped and killed a pygmy tarsier.

"Until that time, everyone really didn't believe that they existed because people had been going out looking for them for decades and nobody had seen them or heard them," Gursky-Doyen said.

Her group observed the first live pygmy tarsier in August at an elevation of about 6,900 feet.

"Everything was covered in moss and the clouds are right at the top of that mountain. It's always very, very foggy, very, very dense. It's cold up there. When you're one degree from the equator, you expect to be hot. You don't expect to be shivering most of the time. That's what we were doing," she said.

Mickey Mouse Turns 80!

2008-11-19T07:39:00.000-08:00

Disney's most popular character is celebrating a birthday today. No, its not Miley Cyrus. It's Mickey Mouse himself!

Mickey got his start in life after his creator, Walt Disney, got screwed over by Universal Pictures. In 1928, Disney was heading up Disney Brothers Studio for Universal and riding high with his wildly popular character Oswald the Lucky Rabbit. Rather than reward Disney for his success, Universal stole his character, hired away his employees and offered to let him stick around at a reduced salary. That was an offer Disney could - and did - refuse.

Walt Disney and his loyal animator Ub Iwerks went back to the drawing board, transforming Oswald the Rabbit into a mouse. Mickey, briefly known as Mortimer, struggled through a few animated bombs before finally getting his big break on November 18, 1928. On that date in New York City, Steamboat Willie premiered to rave reviews. The first animation to feature synchronized music and sound effects, the film made Mickey Mouse a star.

With Mickey's popularity spreading across the country, Walt Disney kicked the marketing into high gear. Mickey Mouse merchandise was created and within two years, the lovable rodent had his own fan club - The Mickey Mouse Club. Take that, Universal Pictures!

Over the years, Mickey has undergone numerous makeovers but his appeal remains constant. He has transcended his humble beginnings to become a cultural icon recognized and loved around the world. And unlike many other Disney stars, Mickey never succumbed to the temptations of fame and remains to this day an appropriate object of affection for children everywhere. Happy Birthday, Mickey!

Do u know what types image is?

2008-11-16T08:41:00.000-08:00

A model presents a creation for a colorful cosmetic design contest at China Fashion Week in Beijing November 2008.(CHINA)

Presidencial Children

2008-11-15T09:08:00.000-08:00

In this undated file photo, President Abraham Lincoln poses with his son Tad. As a youngster in the White House, Tad once hitched two goats to a chair and drove it into a sitting room where his unamused mother was giving a tour.

Do u know what's the word?

2008-11-09T08:23:00.000-08:00

Can you perform same as this?

2008-11-09T08:20:00.000-08:00

Pls Find What is it?

2008-11-09T07:58:00.001-08:00

Find news:What's this?

2008-11-08T23:53:00.001-08:00

Future World: Is this believe u?

2008-11-08T12:21:00.000-08:00

See it by ur owneyes:What's it?

2008-11-08T11:50:00.000-08:00