Monthly Archives: January 2015

Permalink to single post

Useful Tips For Dealing With Auto Insurance

Car insurance does not only cover your car. It’s goal is to make sure that other cars, and any people that are on the road, are safe. It is important to review your policy to find out what exactly is covered and fill in any shortcomings. The following tips will give you some insight that can help you make the most informed decision on your insurance purchase.

To make sure that your car insurance is correctly covering you, sit down with your agent before making purchases of things that personalize your car. If you pay $700 for new tires that just add a mere $200 value to your car, you will not be reimbursed for that difference should your car be stolen.

There is a myth that insurance premiums instantly go down when people turn 25. The truth is that they start to decrease once they reach 18 as long the driver is responsible and drives safely.

If you want to continue to have affordable car insurance, don’t let your coverage lapse. You can create gaps in coverage easily by moving from one insurance carrier or policy to another one. An insurance company will raise your rate if they notice these gaps.

You should limit how many household members you have on your insurance policy. To get a better insurance quote, only have one name on each car.

If you have car insurance, you should have a good driving record. No one event will boost your insurance rates like a collision will. Always drive within your own capacity and stay away from dangerous conditions. If you don’t see very well at night, you should avoid driving at night.

Consider the information you have learned and make sure your policy is just the way you want it to be. You could discover that in order to feel properly protected, you’ll need to make some changes to your policy.

Permalink to single post

Hybrid Cars: An Actual Background

The Japanese constructors have found an effective approach to deal with the increasing costs of the polluting cars: the hybrid car, an idea that was also adopted by some European constructors.

The biggest 15 naval ships found on earth pollute our surroundings more than 750 million cars. It’s incredible that one giant transport ship can contaminate the environment as fifty million cars. Despite that, the governments’ principal attention is minimizing the pollution in the cities than in the oceans. In 1990, Toyota developed the idea of a hybrid car. They needed to create a car that didn’t pollute the environment. Toyota created the Prius that is certainly a groundbreaking car but hasn’t caught on world wide due to the price.

Although the Prius destroys record after record in the USA, the sales for this car in Japan and especially in Europe are weak because of the lack of support from the local governments. For example, the sales for hybrid cars in Europe are less than 1 % of the total sales, having a market share almost the same as the sales of the luxury cars with prices over 150 000 dollars.

Europe overall haven’t been very keen to adopt hybrid cars. You’ll notice no incentives for people to purchase hybrids plus they tend to be much more expensive than regular cars. The only “bonus” that they get is a reduction in the pollution tax. On the other hand, the difference between the costs of hybrids and other cars of the same dimensions and performances are substantial.

Toyota has done a review and concluded that people who drive hybrids are typically people who have college degrees or higher like doctors, lawyers and engineers. Most of these groups find hybrids appealing because of the low fuel consumption. For instance, the Lexus RX 450h has got 300 horse power but it uses less than a common 1.4 liters car.

The majority of the car producers have their own hybrid models much like the EcoNetic for Ford, BlueMotion for Volkswagen, or the EcoFlex line of Opel. This trend is also seen in the case of diesel vs. gas. While diesel vehicles also consume less fuel, diesel fuel tends to cost more per liter than regular gasoline. Statistics demonstrate that the average European likes their cars to run on gasoline, as those cars are usually stronger and cheaper.

At first, the Japanese and Americans were not extremely big on hybrid cars once they were first introduced, like Mercedes initial line of Blutec models, which were considered cancer causing and toxic. But let’s not forget all the thousands of trucks that are on the streets since the 80′s and how they need to be removed.

The third era of Prius has an impressive 89 grams per kilometer of CO2 emissions which is the same as a Smart diesel car but much larger. Added to that, the Prius is the only hybrid vehicle that has the capacity to go all-electric for about 1 kilometer at speeds as much as 50 kilometers and you can get this car for only 30,000 Euros.