Car Insurance in 2011 and advices about insurance

Car Insurance

Car Insurance in 2011

With more than 11 million accidents that occur in the United States each year making sure that you are backed up with proper car insurance can be one of the most important things you do. Nobody wants to pay more than needed, but make sure that you are covered good enough, or you may end up paying much more than you have ever expected.
In the United States there is a law for drivers to have a minimum level of insurance that will guarantee that the driver is able to cover the expenses to persons or property, if there is an accident in which the motorist is found guilty. However, requirements for insurance may vary between states in the U.S. Make sure that the insurance you have is enough for your state.
If you take a loan to buy a car, you must go for a full coverage of your vehicle. Shop around and get quotes from several different companies. Though it may take a long time to find the right one, your efforts will be paid off in the long run. You will see that car insurance quotes will vary from company to company.
Make sure you are covered with the basic coverage at least. Depending on how cautious you want to be, you can choose additional levels of coverage. Take a sober view of your financial situation. How much you can afford to spend on repairing or replacing the car after an accident. You can also be liable for payment of medical expenses and other expenses to any other person or property damage if you are not adequately covered. In most states, it is not enough to have just the minimal recommended car insurance policy, so think about the higher limits.
You can consider choosing your car insurance depending on the following:

1. Property damage liability - replacement and repair of property of other people, if you are found responsible for the accident.
2. Bodily injury liability covers other people injured, and death, if you are not to blame.
3. Uninsured / underinsured motorist coverage will help you if the other driver who caused the accident has minimum or no car insurance.

You may also have other types of insurance that could cover more and help with car repairs or pay for medical expenses.

1. Collision covers will help with repairing of your car in case of an accident, when you are responsible for the accident.
2. Comprehensive pays to fix or replace your car provided an accident is caused by a third party or is a result of the "Act of God�" (vandalism, theft, hurricane, flood, etc.).
3. Medical payments or personal injury protection insures any medical expenses regardless of who is to blame for the accident.

You realize that there are many different types of coverage to think about when it comes to buying a car insurance policy. One can only wish to buy a minimum, but it is important to be aware what you are insured with in case of an accident.

Read More

Car Loans with the cooperation of commercial banks

buying a car loans easily

Many dream of buying a car but not everyone can afford it. In this situation a car loan gives a helping hand and allows solving the problem of lack of funds.
Banks are developing unique auto loans programs for those wishing to get a car loan. The variety of lending programs can satisfy even the most demanding drivers. You can take a car loan not only for a new car but for a used car as well.
Car dealers are always happy to sell you a car if you take a car loan. The cooperation of commercial banks with car dealers lead to a rapid auto selling growth: in almost every car center there is a representative of the bank ready to arrange a loan for your vehicle. It is just enough to present your identity card and/or a driver's license to obtain such a loan in a matter of seconds. Some programs require additional documents – a copy of a work record certified by the employer, a document stating your income and other documents.
The interest of banks in car loan programs is clear – it allows the bank to receive a stable income in the form of interest payments on the loan because the cars are in high demand. A car loan interest depends on the loan duration and its amount and is typically between 8-12 percent per annum.
Fierce competition among banks forces them to implement complex programs to enhance the attractiveness of loans – to issue loans for used cars, to introduce new types of loans and additional services and bonus incentive programs for active borrowers of car loans.
To minimize its own risk when issuing a car loan banks require that a car owner purchases car insurance as well. Insurance costs are directly dependent on the value of cars and make up ten percent or more of the value of the car.
Choosing your car loan carefully review the terms of the loan agreement before signing the contract. The paper should reflect all the conditions of the loan, stating the bank interest rate for the loan and the total price of the car.

Read More

Tips and Advice about buying a new car

Buying a car can be a tiresome process, but it is not necessarily so. You can know everything about the car which you are going to buy but it can be not quite enough for a successful purchase. If you want to buy a good car at a good price you should know what to say to the dealer and, more importantly, what not to tell him.
Some hate the very process of buying a car, and all because they expect to be cheated. For others, it is important to get a sense of satisfaction from a successful deal, even if the subject of trade is an expensive car and they bargained only a few hundred bucks.
Let´s take a look at a few tips and advice when it comes to buying a car. And it is quite likely that next time when you buy a car the whole process will be much more relaxed and profitable for you.
1. I want to buy now
Such a statement would be, in a sense, a manifestation of weakness and an invitation for the dealer to tell you the price only slightly lower than that recommended by the manufacturer and see if you swallow the bait. Thus, the initiative goes to the seller.
It is advised to show your determination to make a purchase, but with certain conditions that are favorable to you. In this case, the initiative will be yours, and you will be the one to dictate the conditions as well.
Naturally, you should do your homework and study car prices from different dealers. You can ask a certain number of dealers to fax you their "final" minimum price for the car you are interested in. This will give you the impression of variation in prices and you will find out the minimum price for your car.
2. I can afford to pay no more than X per month
Remember that you should never speak with the seller about your monthly payments. This is perhaps the most fatal error which the buyer can make.
If the seller would squeeze out of you that figure, he will do everything possible to make it slightly higher for you. But in the end it will result in a substantial increase in your car loan. Discuss the total cost, and do not deal with the seller who wants to discuss only the monthly pay offs.
3. Yes, I have a car to sell
Do not tell the dealer that you have a car to sell before you agree on the final price of a new car. If you do it, the seller will distract you with promises of a good deal on the sell, but in the end you´ll still pay more.
4. Pay the full amount at once
The seller earns extra money when giving car loans. Do not deprive his hope for this, otherwise there won´t be a chance left to see a good price for you. On the other hand, if you really do not need a car loan, do not agree to it when you strike a deal.
5. I do not know exactly what car to go for. What can you recommend?
If you come to a car dealer, not knowing exactly what you need, you risk leaving him on the car that you do not need in any way. You should study the market in advance and narrow your choices down to a couple of models that suit your needs most of all.

Read More

Hybrid Cars and their advantages and toyota Hybrid Cars

Hybrid car

Hybrid cars are high mileage automobiles, driven by the system of "motor – combustion engine", fed as a fuel and electric charge of the battery. The main advantage of hybrid cars is to reduce the fuel consumption and emissions.
Generally, a hybrid is an organism, obtained by crossing genetically different parent forms (species, breeds, lines, etc.) (from the Latin Hibrida – hybrid).
Genetically different forms in our case are the internal combustion engine (ICE) and the electric motor. On the one hand, the price of oil is getting higher every day, which will inevitably bring to the decline the glorious days of the ICE. However, on the other hand, modern electric engines still need some form of development.
Below are the main advantages of hybrid cars:
1. Efficient operation
2. Environmentally friendly
3. Good driving characteristics
4. Save and reuse of energy
5. Normal refueling possible
Nowadays, Toyota is a leading company in manufacturing hybrid cars. However, mass production of hybrid cars is constrained by the lack of nickel-metal hydride batteries.
In 2009, Japan sold 90,410 hybrid vehicles, which is 47,6% more than in 2008.
In 2009, sales of hybrid cars in the US rose by 22% compared to 2008. Hybrid cars in the U.S. have 1.5% market share of new passenger cars.
Total from 1999 until the end of 2009 the U.S. sold 1.002 million of hybrid cars.

Read More

Luxury Cars 2011

Luxury Cars very expensive

Every era in the automobile history had its own car makers and car models which were expensive to buy. They aimed at wealthy buyers.
A luxury car is designed for convenience and satisfaction of its owner or driver, sacrificing passenger space, carrying capacity and other practical issues for the sake of style. The term itself suggests a vehicle with greater equipment, performance, construction precision, comfort, design ingenuity, technological innovation and capabilities, which convey the image of the brand or its distinctive sign.
Luxury cars target specific socio-economic classes and, consequently, social status is associated with a specific vehicle that the owner of the car has. Luxury car makers clearly differentiate themselves from public buying cars. While the high price is the most common factor, it is the style, technique, and even public opinion what matters most.
Luxury cars are very expensive and their price can be anything above 50 000 USD. Consequently, only high-income customers can afford these cars. Such companies as BMW, Daimler Chrystler, and Rolls Royce are engaged in the production of such vehicles.
In the course of history the very term "luxury" has undergone a severe change. Thus, in the old days the term "luxury car" could be used for the unique vehicles produced according to the owner´s sketch. However, nowadays the term "luxury car" can be applied to any type of vehicle, including sedan, coupe, hatchback, wagon, as well as minivans, and sport vehicles, and to any size vehicle from small to large in any price range.

Read More

Midsize cars in U.S 2011

Midsize cars inexpensive u.s

Midsize cars represent quite a large and popular segment for U.S. consumers looking for a decent-size vehicle that could be used for many tasks including daily commuting, family events, and holidays and carrying some cargo in the trunk.
4-door sedan is a most popular type of a midsize car. Another popular type is a 2-door coupe. The convenience of midsize cars is that they have more space than compact cars and they are more efficient than luxury cars. Midsize cars give you the advantage of four doors and comfortable seating, but they cost considerably less than a luxury car. Midsize is handy without sacrificing comfort or design. Most automobile consumers believe that a midsized vehicle is exactly what they need for driving their family or friends around the town. While a larger car may be more comfortable on longer road trips, a midsize car is the ideal everyday workhorse.
When you are at the wheel of a midsize car, you will undoubtedly save your money at the fuel pump. Economy and compact cars are the only vehicles that can boast a better gas mileage, and new technology is closing that gap quickly. Midsize cars are far more fuel e
fficient than full size sedans, minivans, SUVs, or light trucks. The money that you can save at the fuel pump will give you an opportunity to drive more often without worrying about the cost. You will also contribute to the environment because your car consumes less fuel than other popular vehicles.
A midsize vehicle is much better to handle better than smaller or larger cars. Most modern midsize cars have front-wheel-drive, which makes them highly maneuvering and makes them a lot more responsive and stable. Front-wheel-drive is superior to rear-wheel-drive when it comes to driving on wet or icy roads, as well, because the weight of the engine goes down directly on the front wheels and keeps them in contact with the road.
The present day family consists of four members or less. Midsize cars are the ideal solution between space and expense. Four adults will fit comfortably in a midsize car, and kids will fit even better. There is no need to spend extra money for a bigger car in order to get a comfortable four door vehicle that could accommodate all the family members. Moreover, the trunk space in modern midsize cars is more than adequate for almost any family´s needs.

Read More

Compact Cars 2011

compact cars mini cooper

Today small cars are getting quite popular. Many girls love them because they are fairly easy to move and have the opportunity to squeeze in every nook and cranny. Not long ago car manufactures started producing these compact cars, which are not expensive and at the same time consume little fuel. Ordinary consumers want these mini cars because they are cheaper and more economical, so there always will be a great demand for cars like these.
Small cars are the future of most countries. Some people say that in the near future car manufactures will produce only cars of small sizes. Therefore, getting today a tiny car will let you move easily around the streets. Moreover, many drivers and legislators say that compact cars will be able to solve the problem of traffic jams in urban areas.
In some cities of America there is even a law authorizing the use of compact cars to sixteen year olds.
Why do compact cars enjoy great popularity? The answer is simple. These vehicles are comfortable. First, it is their modest dimensions that people like. After all, this "kid" can always find a place in the parking lot, and maneuver in urban environments much easier. Another advantage of such cars is their engine – they consume a small amount of fuel. If you drive carefully, it is quite possible to meet the 6.5-liter "fuel" of 100 kilometers.
Compact cars are beneficial for both the consumer and for the car manufacture. After all, these cars are most relevant, convenient and economical.
We are sure that within a few decades Mini Coopers and other small friendly cars will flood the highways.

Read More

Best Cars of 2010

Our world is changing very quickly. We face new techniques and technologies almost every day. Car production is not an exception. Every year new cars are designed and they win the world.
It is quite noticeable that car dealers pay a lot of attention to asian brands like Toyota – thanks to some disciplined inventory management, the Prius and Lexus GX are in high demand. Nowadays those cars are the hardest–to–get cars as well as such European brands as Audi Q5 and BMW X5.
BMW X6 and Toyota RAV 4 are the most exclusive models at the moment. They are hot too. The X6 has a unique "sport-coupe" look as other lager crossovers. It´s no wonder. X6 uses a twin-turbo, V6 engine to get 300 horsepower. Toyota RAV4 is so popular because it has the space of a small SUV and respectable fuel economy (22 miles per gallon in the city and 28 mpg on the highway).
Besides, the year 2010 is driven by Volkswagen. One of its models is Polo.
Below you can see the description of 3 cars which are going to strike not only the USA but the whole world.

1. One of the most important cars that we will see in the next few years is 2010 Honda Insight Hybrid. It is a 5-door, 5-passenger hatchback with fuel economy as high as 60 miles per gallon. It is a bit smaller than a Honda Civic and half-size smaller than the Toyota Prius. It will surprise buyers with its price which is less than $20,000.
   
   

   

   2010 Honda Insight Hybrid

   
   
2. An electric supercar is another winner of the world. It is a prototype of Mercedes-Benz SLS AMG. Its bright yellow paintjob certainly catches the eye. In this supercar V8 engine is replaced with a bank of batteries and electric motors. Four electric motors pump out a colossal 880Nm of torque. This helps the car to develop its speed from a standstill to 100km/h in only four seconds.
   
   

   

   Mercedes-Benz SLS AMG

   
   
3. One of the featured cars of June 2010 is Nissan Micra. It combines such excellent features as great design, cutting edge technology, advanced features. The greatest potential of Nissan is in its small hatchback segment. That´s why the company has decided to develop some new models including Nissan Murano in the SUV segment, , Nissan ULC, Nissan Pixo and Nissan Qashqai. It is the stylish car thanks to its black and greige interiors with advanced instrument panel and super cool dashboard. The advanced safety features of Nissan Micra (which is very important nowadays) include Dual Front Airbags, engine immobilizer, Antilock Brake System, front fog lamps, security alarm and other advanced features.

   

   Nissan Micra 2010

   
   

Read More

Top 10 Chinese Cars and most favourite cars of 2011

To Americans, looking at coverage of the Beijing and Shanghai Auto Shows used to be like watching a foreign film without subtitles. It was somewhat interesting, frequently weird and much was lost in non-translation. Thanks to the strong Chinese economy, both the auto show and the country’s automotive landscape are changing. Renowned international players are common (Chinese yuppies love the Buick Regal, still in production there), plus the nation is exporting its homegrown brands to Europe. Not surprisingly, sights are set on Chinese cars entering the U.S. in the next decade or so. China has already exhibited at U.S. auto shows, and despite falling short of our country’s safety standards thus far, it’s too early to dismiss the possibilities of Chinese cars on American roads. Don’t laugh -- there was a time when nobody thought Japan could do it, either.

For the sake of discussion, let’s say this could happen. Since there’s no telling how the cars will look, let’s get a baseline with current and near-future models from the People’s Republic and hypothesize: If China began exporting cars to America right now, which 10 models would stand the greatest chances of success here? Well, here are our guesses on the top 10 Chinese cars that would make it stateside, ranked on probable suitability.

Number 10

Great Wall Hover-TT

Great Wall Hover-TT

Great Wall Motor Company has several models whose names are a little suspect, like the Pegasus, Sailor and Wingle. If the Hover-TT is a less puzzling name, the vehicle itself is curious enough on its own. Think of it as an everyday limo. And while it wouldn’t have the cachet to be coveted by many private owners, this could quickly become a favorite of hotels and limo fleets.

Number 9

Geely HQ

Geely HQ

The Geely website explains their HQ wagon as perfect for “some body want lager space.” Whether they really mean “larger space” or just more room to haul beer home, we’re all for it. In sharp contrast to the Geely GT you’ll see shortly, the HQ’s look recalls a Honda Civic wagon of the mid-‘80s. Performance is likely to be just as non-exhilarating. Three engines are available, and two of them are three-cylinder units. Only the top choice, a 1.3-liter, 86-horsepower four-banger, would stand a chance here.

Number 8

JAC A108

JAC A108

In case you haven’t noticed, Chinese car designs can be an acquired taste -- not necessarily polarizing, but frequently bland. JAC is coming on strong in the home market thanks, in part, to help from Pininfarina. Yes, that Pininfarina. Admittedly, it doesn’t look like it came from Ferrari’s go-to design house. It looks kind of like a Dodge Neon, in fact. However, just as non-SRT Neons are best remembered as cheap rental cars, the A108 could fill a similar niche.

Number 7

BYD F8

BYD F8

In a market with more than its share of sedans and wagons, the BYD F8 stands apart as a compact convertible. OK, there’s no chance it’ll ever be featured in our manly cars articles, but for a college girl and her friends? Sure, that’s possible. All three trim levels of the F8 include impressive convenience and safety features as standard, including rain-sensitive wipers, automatic air conditioning and power folding hardtop.  

Number 6

Lifan 620

Lifan 620

Astute readers may recognize the Lifan name, though in America, the imported vehicles are limited to scooters, motorcycles and ATVs. Over in its home market, the almost-midsize 620 is set to debut as one of the more refined choices available at a reasonable price. Recent spy photos suggest the 620’s crash-worthiness hasn’t been overlooked -- presuming, of course, the bashed prototype nailed something larger than a squirrel.

Number 5

SAIC Roewe 550

SAIC Roewe 550

If there’s a vague familiarity in the name and design of the new Roewe 550, you might be linking it with the extinct Rover brand -- and you’d be right. After Rover rolled over, SAIC landed the tooling to continue making them, only not as Rovers (Ford bought the name). Rover thus became Roewe, the 75 model became the 750 and the 550 is the new smaller sibling. The look is decidedly de-Englished from the models it follows, but the 550 has an agreeable if unremarkable style about it.

Number 4

MG TF

MG TF

The revival of the TF designation resulted in a strong-selling British convertible until a few years ago, when the MG Rover Group ceased to be. When Nanjing resuscitated production in China, skeptics thought it would be an MG in name only. As it turns out, the continuation of the TF is honorable. Even as talks of Ardmore, Oklahoma, being added as a production site have stalled, the two-seat, mid-engine TF does justice to its heritage and would be a fun addition to America’s roads.

Number 3

Chery QQ3

Chery QQ3

Looking like a Chinese interpretation of a Honda Fit or a Daewoo Matiz (and it wouldn’t be the company’s first instance of derived inspiration), the strong-selling Chery QQ3 may be basic, but it beats walking, and is even marginally faster. As a city car, the shortcomings of the 0.8 (yes, zero-point-eight)-liter or 1.1-liter engines are negligible when you’re stuck in traffic, anyway. If and when Chinese cars arrive here, with or without Bricklin’s help, Chery will probably be among the first. And if the car looks a little familiar, just remember that it’s their form of flattery.

Number 2

Brilliance Junjie Wagon

Brilliance Junjie Wagon

Just as they came up with the lines for the JAC A108 covered earlier, Pininfarina has also developed something a little more characteristic of its style, the Brilliance Junjie Wagon. Debuted at the Beijing Auto Show and based on the Junjie sedan (also a Pininfarina effort), the grocery getter looks more than a little Teutonic in nature. That’s probably no accident, since Brilliance has a partnership with BMW to build 3- and 5-Series cars in China. In the wake of the sibling BS6’s embarrassing European crash test episode, Brilliance seems to have stepped up their focus on safety, making the Junjie Wagon even more attractive. 

Number 1

Geely Tiger GT

Geely Tiger GT

China: Performance car hotbed? You wouldn’t think so, but Geely is at least delivering the look with its Tiger GT (for “Geely Tiger,” yes, but it is also a GT by nature). Looking more Japanese than Chinese -- note the very Mazda-like grille -- and in no way a subcompact, neither of the 2+2’s rear passengers would get what you’d call a window seat. Only small triangular quarter windows give them a sense of the world going by. Not that it would be going by in a great blur. Perhaps hobbling the big cat somewhat is the reported 225-horsepower, 340 lb-ft., 3.5-liter V6. Still, the design is appealing. 

Read More

2011 Volkswagen Beetle Preview

2011 Volkswagen Beetle new car

2011 Volkswagen Beetle

It has been more than 10 years since the Volkswagen Beetle has received a significant refresh, but for 2011, its time has finally come and it appears to be coming in a major way. Volkswagen’s most famous vehicle is targeted for significant changes as a part of Volkswagen’s worldwide expansion as they attempt to supplant Toyota as the world’s leading automaker by 2018.

Performance

High performance capabilities were never the hallmark of the Volkswagen Beetle so much as reliability and the “fun to drive” nature of the car. There will be several different performance and exterior configurations available on the Beetle for 2011 which will allow buyers to customize their buying to suit their priorities.

Exterior Features

The exterior of the Volkswagen Beetle is, surprisingly where the most significant changes are expected, which may be seen by some as an assault on a classic icon. Gone are the feminine rounded curves of the new Beetle to be replaced in 2011 by more “manly” lines and an elongated, flattened roofline. This is a significant departure from the car’s look since the car first rolled off of the assembly lines in Germany during the Second World War.
The new lowered roof will streamline the car quite a bit and probably serve to increase fuel-economy, especially given the greater engine options that will be available. There are also rumors that the 2011 Beetle will have a two seater and extended four-seater variation for those with larger friends to get around town. Finally, pictures of the 2011 Beetle seem to suggest that for the first time a truck-like convertible option may be in the works? Beetle enthusiasts have much to keep their mouth watering for in the coming year as Volkswagen finalizes their new model.

Interior Features

The interior is also due for some significant changes in the 2011 Volkswagen Beetle starting with a sleek, futuristic-looking steering wheel and flashy gauges to match. The entire dash seems rounded and compact without using up an inordinate amount of real estate for no particular reason at all.

Conclusion: What to Expect From the 2011 VW Beetle

A whole new world and a whole new look spearheading Volkswagen’s expansion around the world and specifically in the United States. There is no guarantee as to when the 2011 Beetle will debut. It will be built for the United States in Volkswagen’s new Chattanooga, Tennessee plant which will not finish construction until late 2010, so at the earliest, we can expect to see the new Beetle probably in mid-year 2011.

Read More