In most states October means deer hunting season, but car insurance companies say your more likely to encounter a deer on the road than in the forest.

According to a report released by the Highway Loss Data Institute, there were more than two million incidents involving a vehicle and deer collision between 2008 and 2010. The vast majority of these collisions occurred in October and November, the report says. The mating and migration seasons for deer fall in autumn, and as they move across the county side, the colors of the foliage helps to camouflage these animals, which can cause problems for both hunters and drivers.

Car insurance companies remind people who drive in rural areas to exercise caution in the fall months, when animal collisions increase.

Drivers should always watch for animals in the roadway, and heed deer crossing signs. If you have auto insurance, you are most likely covered for an accident involving an animal. Check with your insurance provider if you are unsure of your coverage.

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Car insurance can be expensive, with premiums varying from state to state, but there are discounts available that many people may not be aware of.

A multi-policy or multi-vehicle discount is relatively common among car insurers. Consumers who have multiple policies with the same insurance company can receive auto insurance discounts ofter exceeding 10 percent. Policies which qualify for the discount can include a homeowners’ insurance policy, a second auto insurance policy, and, depending on the provider, a health or life insurance policy.

Another often overlooked car insurance discount is the low mileage rate. Many insurance providers offer large discounts for low mileage vehicles. For consumers who work from home or use public transportation as part of a commute, the low mileage discount can somtimes be as high as 40 percent.

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New York has overtaken Miami as the city with the angriest drivers, according to a survey released Tuesday.

According to the AutoVantage Road Rage Survey, New York is home to the angriest, most aggressive drivers. Miami topped the annual poll for the last four years, but participants voted New York drivers the most likely to tailgate, speed, honk their horns, overreact, and lose their tempers. “New Yorkers were most likely to wave their fists or arms,” said Michael Blush, a marketing consultant who commissioned the survey.

“They were most likely to lay on the horn and they were most likely to make some sort of obscene gesture.

Dallas/Fort Worth came in second as the worst road rage city, followed by Detroit, Atlanta, and the Twin Cities. Portland and Cleveland were voted to have the most courteous and considerate drivers, followed by Baltimore, Sacramento, and Pittsburgh. “The real surprise to me,” Bush said, “is that there is no geographic way to break down road rage. It’s very much on a city-by-city basis, as opposed to geographic area.”

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Consumers with car insurance policies for young drivers have been urged to check the condition of their brake lights.

according to Ron Waldock, an independent inspector for the British equivalent of the American Automobile Association, drivers will face more hazardous road conditions over the coming months.

The change from autumn to winter, in addition to daylights savings time, can create treacherous roadways. Inexperienced drivers need to exercise caution on icy roads, and Waldock reminds motorists that brake lights make vehicles visible at night.

“Our advice would be to regularly check that all your lights are clean and working correctly to make sure you are as visible as possible,” Waldock said.

Research by an online car insurance company revealed that about one in 15 cars, motorcycles, vans and trucks are missing at least one brake light. Working brake lights are not only a legal requirement, but also a necessary safety measure.

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The risk of car accidents is highest among teenagers in the United States.

According to a motor vehicle safety report on teenage drivers published by the United States Centers for Disease Control and Prevention, the risk of car accidents is higher among 16 to 19 year-olds than among any other age group. Per mile driven, drivers in this age range are four times more likely than older drivers to crash.

The risk of car accidents among males in their teens is higher than their female counterparts. In 2006, the motor vehicle accident rate for male drivers and passengers was almost two times that of females. Teens driving with passengers are also at greater risk for accidents. The risk increases with the number of teenage passengers in a vehicle.

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Police in a Texas town will begin towing uninsured vehicles this week.

According to officials with the Lufkin Police Department in Texas, 21.65 percent of vehicles in texas are uninsured. Police chief Scot Marcotte first discussed a plan to reduce the number of uninsured drivers with city council members in June, and the measure was approved in July.

Under the new ordinance, drivers who are involved in an accident and are unable to provide proof of insurance, or drivers who are pulled over and issued a citation for lack of insurance, would have their vehicles towed. The driver would be required to purchase insurance, take proof of insurance

to a municipal court and pay a fee. The driver would also be responsible for all towing and storage costs.

“The goal of the ordinance and the enforcement is to make sure that every car in Lufkin is insured,” Smith said.

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