You really have to feel pity for “the other guy.” He’s the one you always hear about, and bad luck seems to be his constant companion. Maybe his car was stolen, wrecked in a crash, or burnt to a cinder in a fire. May 5, 2007, was the day I became the other guy. I had just taken my ’68 Camaro out of the shop, and was finishing the last details. Two weeks on the road and 500 miles on the odometer was all I got to enjoy before an inattentive driver crushed my car, along with my hopes of a summer filled with cruising. I was just happy the guy had insurance, and that I wasn’t on a gurney. I was simply in the wrong place at the wrong time, and it can happen to anyone. In a way, I lucked out. I was zero percent at fault, and the other guy had a good policy through State Farm. My car was also freshly done and heavily documented. The rough estimate to fix the carnage was $35,000, and State Farm offered $21,000 to fix it, to which I chuckled. Insurance companies … [Read more...] about Car Insurance Tips – Worst-Case Scenario
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Car insurance premiums have fallen by a record 14.1 per cent year-on-year over the course of 2013. The AA British Insurance Premium index found that the average quoted premium for a comprehensive policy has fallen to £533. The report cites a competitive market and tougher whiplash claim legislation as reasons for the fall. Audi Q7 buyers can now opt for two new top-spec S line models. S line Style Edition cars start at £52,975, and feature new 21-inch wheel designs and a new off-road styling package. Meanwhile S line Sport Edition specification, priced from £54,475, gives the Q7 a sports bodykit, including larger front air intakes and new exhaust designs. Model year changes to the 2014 Toyota RAV4 include the option of a 122bhp 2.0-litre D-4D diesel engine with all-wheel drive and the newest iteration of Toyota’s touchscreen infotainment system. Other changes include keyless entry on Icon specification models, while top-spec Invincible RAV4’s get … [Read more...] about Quick news: Car insurance premiums drop; new Audi Q7
Imagine you have finally decided to buy a particular car after countless hours of research. You go to a dealer and he quotes a final on-road price and you find it somewhat high. Many of us face this situation and we go to some other dealer who also quotes a similar price. So, what makes these dealers inflate the price tag? The answer is simple. They have a margin on your car and a greater margin on the official accessories and specialized warranties. Based on user feedback, we have made a list to help out the average buyer to negotiate and get the best bang for the buck. The Discount Factor – Discounts on cars were often unheard a decade back and people used to buy at whatever rate the dealer quoted. With increasing awareness nowadays, people have started negotiating for the right price and reducing the burden on their pocket. There are some Golden Rules towards a successful rate negotiation, the best one being “negotiate to the point when the dealer asks you to get out of … [Read more...] about Buying A New Car? Tips On Discounts, Negotiations & Checks
buy a new vehicle online today in the U.S. the way you can order, say, books, appliances or plane tickets? Well, it largely depends on where you live — and specifically, how robust your local automotive dealers' e-commerce platforms are.The Internet has become an indispensable component of the car-buying experience. According to the 2017 Cox Automotive Car Buyer Journey, 88 percent of consumers go online nowadays before buying a car. They're going to the manufacturers' websites to research models, compare trim and package options, ask questions and submit sales leads. And they're turning to automotive media like Autoblog to read reviews and other news, and to independent sites like the Insurance Institute for Highway Safety to look up safety ratings.But in many cases, the Internet is relegated to a supporting role. That's thanks to laws that vary from state to state regarding the ability to buy directly from the manufacturer, and to the limitations of dealership websites, which … [Read more...] about How to use the Internet to shop for your new car
You wouldn't explain the average cost of buying a Lamborghini to someone who asks you how much he should expect to pay for a Chevy. The same applies to auto insurance. You can spend all day collecting quotes from various insurance companies, either online or directly with an agent, but if you're comparing the equivalent of an Aventador to a Bolt, you're not going to get the accurate answers you're looking for. The key to comparing insurance quotes is making sure that all aspects and provisions of the policies are equal. Do they have the same deductibles?If Insurer A tells you it's going to cost $3,000 a year to insure your vehicle, while Insurer B quotes $900, your natural inclination might be to jump at the $900 offer. Before you sign in haste, make sure you're responsible for the same deductible on each policy - the amount that comes out of your pocket for repairs if your car is damaged. If Insurer B expects you to pay $1,500, while you'd only be responsible for $500 with Insurer A, … [Read more...] about How to compare auto insurance quotes to help save money
car insurance? Our sister website Parker's has a new service helping you compare car insurance premiums to find the best quote for your car. It compares more than 50 big-name insurance providers and could save you cash come renewal time. Parker's Compare is a simple-to-use aggregator to compare car insurance. Rather than spend hours trailing around different insurance companies' websites or call centres, you enter your details once online and Parker's does the legwork for you. So you could save time as well as money.Click through to Parker's Compare to see if they could save you money off your next car insurance quote. It's a great way to take away the hassle of shopping for car insurance.Why not give Parker's Compare a go? It could save you £££s so get a quote now! … [Read more...] about Car insurance
As much as I enjoy vigorous debate, I abhor pseudo-science. From The Bermuda Triangle to past life regression, I just can’t deal. If the subject matter in question is faith-based like, say, a talking salamander's role in the development of Mormonism, I’m good. But the moment an aspiring conversationalist tries to deploy scientific explanations for a fundamentally irrational belief system– aliens sucking up Air Force planes from the Gulf Of Mexico for anal experimentation or Joan of Arc reborn as a 42-year-old housewife in Hackensack, New Jersey– I’m out. So when I read that insurance quote provider Lee Romanov says your star sign affects your chances of having an automobile accident, I just had to ring her up. Yes, it's been that kind of day.You can hear my righteous indignation on the podcast below. Truth be told, I've got no truck with Ms. Romanov’s basic assertion that automobile insurance industry rates seem capricious (even if she seems … [Read more...] about Car Insurance Rates: Star Struck?
It’s just the title of a recent Charlie Hunter album, but it says a lot about life in post-2008 America: Not Getting Behind Is The New Getting Ahead.Here’s one example: According to Business Insider, the average middle-class family can no longer afford the average new car. Is that true? And if it is true, how and why did that happen, and what can be done to fix this sad state of affairs?The first thing we have to do is figure out what the average new car costs: USA Today says that it is north of $33,500. But that’s not really the median price, and it’s wildly distorted by the so-called one percent and its indiscriminate purchases from the top shelf of the luxury-car offerings.A new Camry LE is $23,905. That’s as close as we can come to the traditional American automobile nowadays. The Highlander LE is $29,990, and that’s as close as we can come to the traditional American family wagon today. Let’s split the difference between them and call it … [Read more...] about No Fixed Abode: Who Can Afford a New Car, Anyway?
Price is the deciding factor in many new car purchases, so it’s no surprise that dealerships do all they can to advertise the lowest number possible. While the internet has given consumers a lot of power when it comes to purchasing a new car, many consumers still fall for age-old pricing tricks.One of the easiest ways to reel people into a dealership is to set up an advertisement for a decently optioned popular car at a sale price significantly lower than MSRP. This advertisement will usually be the lowest in the geographic area and would cause a loss for the dealership if sold. The way that deceptive dealers get around honoring the advertised price is by specifying a single stock number that qualifies and then asking a friend or relative to put a deposit on that specific vehicle as soon as the advertisement goes up online or in print.Since the specific vehicle is technically still in dealer inventory, they can continue to advertise it. However, once a potential customer … [Read more...] about Car Buying: Is That New Car Price Too Good to Be True?
Automotive insurers use more than just your driving history to set your rates, the New York Times is reporting.Factors such as your credit score, address and marital status can increasingly affect premiums more than driving history, the story explains.A survey of the nation’s largest insurers — Geico, State Farm, Nationwide, Liberty Mutual and Farmers — found that a hypothetical woman in her 30s paid more if she was widowed, instead of married, at four of the five firms. The premium increases ranged from 3 percent to 29 percent. Only State Farm charged the woman the same, regardless of marital status.Many insurers use credit reporting bureaus to adjust rates for drivers looking for coverage.A 2003 study by the University of Texas found that drivers with lower credit scores filed more claims and were a greater risk to car insurance companies, although several states including California, Massachusetts, Hawaii and Colorado outlaw the practice of adjusting rates or … [Read more...] about Want Cheaper Car Insurance? Pay Your Electric Bill on Time