Auto Insurance Rates

Will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.

There are ways to reduce your premiums without giving up coverage. One of the easiest things to do is get auto insurance rate quotes online. This will allow you to comparative shop stress free.

Raising your deductibles is the easiest way to reduce your rates. The higher the deductible, the lower the premium will be. The deductible is the portion you will have to pay in the event of accident, before your insurance coverage steps in. It’s important not to carry a deductible that’s more than what you are able to pay. Your insurance company will not honor its portion of the claim until you’ve paid your deductible. However, the higher your deductible the lower your premium cost will be, so you need to find a

Always remember to ask your insurance broker for any available discounts. Quite often we forget to ask and they don’t seem to volunteer the information. A clean record on the current policy for a certain period of time, having your homeowner's coverage with the same insurer, taking a defensive driving course, having an accident free driving record, and having an approved anti-theft device will reduce your auto insurance rates.

The type of car you drive can also reduce your rates. Stay away from cars that have a high class rating. Rates vary among the different makes and models of vehicles. The different rates are based on the risk of accident, cost to repair, higher theft rates for a particular model and replacement costs such as with a new vehicle. So be sure your vehicle isn’t going to be in a category that increases your rates too much.

A safe driving record consisting of no accidents and no traffic violations will get you the most substantial discount. Most insurance companies are very good at recognizing good driving habits. These are the drivers they want to insure because their risk is much lower.

If the car is old and not very valuable, comprehensive insurance is probably not worth buying as it can quickly add up to more than you’d ever receive in the event of an accident. You can save up to 20% by eliminating collision insurance. You may want to opt not to carry collision insurance as well which can save you and additional 20%.

Check around to make sure you are getting the best auto rates you can. Online auto insurance shopping has taken the guess work out of buying insurance and you can very quickly see if you are being hosed. So if your insurance is coming due now is the time to start shopping!.

Last Car News

True "sport" utility

BMWs in general are wonderful cars to drive, with impressive power and great handling which doesn't compromise the smooth ride. This 650i Convertible that I'm driving is no exception to that. Its got 360 horsepower, a 6-speed manual transmission and big grippy tires. And surprisingly, given the latest BMW designs, this car actually looks good.

The convertible top works very well, can even be operated at low speeds. The rear window powers up or down so it can be lowered with the top in place for nice ventilation, or left up when the top is down to act as an air deflector. At high speeds, with all the windows up, the wind barely rustles your hair.

So what's not to like? In a word, its I-Drive. I-Drive is BMW's system of using a single knob to access all of the standard driver controls, including ventilation, navigation, audio system, etc... I-Drive turns the ultimate driving machine into the ultimate annoyance.

It took me two days to figure out how to adjust the base on the stereo, and its at least three menus into the system. Changing stations is just as difficult, although I think there is a way to change them via steering wheel controls.

Everytime I got into the car, I would set it to "Sport" mode (tightens the suspension, improves steering response), I would turn off the stability control, set the navigation screen and trip computer screen the way I want them, and if it was raining, I would turn on the automatic wipers. After shutting the car off and returning later, I would have to do all of this over again. Extremely frustrating.

There is no reason I can see for this complicated way of accomplishing simple tasks like adjusting audio controls except for the fact that they had the technology to set it up this way. Technology for technology's sake is not useful.

The 650 I was driving runs about $85,000. As much as I love driving this car, the annoying I-Drive would make me look for an alternative.

--Perry Stern

BMW 6-Series - Annoying German Engineering

The FJ Cruiser is Toyota’s all-new retro-styled off-roader. I’ve had the opportunity in the past to take the FJ off-road, and found it to be extremely capable. However, this was my first chance to see how it takes on day to day driving.

The bold styling of the new FJ Cruiser is a big attention getter. Available in a number of bright colors, my tester was painted Voodoo Blue. It seems that everything about this vehicle is big: it’s got big tires, large grille, oversized mirrors trimmed with running lights (carry over from the original concept) – even the door handles are super sized. And one-upping all of the competition, the FJ Cruiser has three front windshield wipers, where all others just have two.

This big theme carries over to the interior, where knobs were designed to be operable while wearing gloves. Unfortunately, the back seat is not as large as everything else. Rear seat passengers are a bit cramped, and given the small rear windows, it’s also somewhat claustrophobic back there. Access to the rear seat is easy with rear-hinged access doors unless you’re parked in a narrow parking spot, in which case it’s almost impossible to access the rear seat. Cargo space is plentiful, and rear seats can be folded flat to extend the space.

The FJ Cruiser has plenty of power from its 239-hp V6, and it rides rather smooth on the pavement. Handling is not bad for a big SUV, however it is not terribly maneuverable in parking lots. The FJ needs almost 42 feet to turn around compared to a Hummer H3 that can make the same maneuver in five fewer feet. Visibility is also an issue – there is not much window between the back door and the rear of the vehicle. A very large blind spot.

Overall, Toyota has built the FJ Cruiser with the purpose of handling severe off-roading. And while a higher percentage of FJs will leave the pavement (intentionally) than most other SUVs, it’s still likely that most will never leave the road.

--Perry Stern