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All about 59 plate auto insurance
Plates for motor vehicles indicate the age of the car along with the location for the registration of the car. The old plate system used a once-a-year change for cars. The old system led to a spike in sales each year when the new plates came out. Many drivers would wait until then to purchase a car because they wanted to be seen in the newest vehicles. However, a twice-a-year change system has been in place since 2001 with two different age identifiers being used. September 2009 led to 59 plates being issued.
Does Telematics Technology Mean Cheap Car Insurance?
Car insurance premiums have been on the increase for several years now, and most experts predict that the cost of insuring your car will remain high. The increased cost of injury claims resulting from car accidents is just one of the factors that have pushed premiums to new levels. Increased fuel and maintenance costs have had a further impact on drivers, and many now question whether owning and running a car is a luxury they can't afford. Young drivers have been hit particularly hard by increased insurance costs.
Car insurance for young drivers is expensive because statistical data used by insurance companies indicates that they are more likely to be involved in accidents. Experts agree that driving experience dramatically reduces the risk of collisions and accidents, and young drivers simply haven't had enough time on the road. Many insurers will offer discounts to young drivers if they take advanced driving courses, and this is one way to reduce premiums. New technology is now seen is the real solution to providing cheap car insurance for young drivers.
Telematics car insurance policies offer personalised insurance cover based on exactly when and how you drive. Insurance underwriters have traditionally grouped people together and rated policies on the average driver, but telematics technology makes it possible to assess the driving habits of the individual. By having a device fitted to your car which monitors and tracks your driving performance, you can prove to an insurance company that you are a better than average risk.
Three Great Ways to Save on Car Insurance Quotes in Texas
Texas state law requires every driver to have car insurance. It does not, however, require all drivers to have full collision insurance. If you are looking for lower car insurance quotes in Texas, then you should think about taking only the amount of coverage that you need.
Ways To Easily Get Cheap Car Insurance For Sports Cars
Car owners who live in areas prone to theft and vandalism will be assessed as being at higher risk, with proportionately higher rates for car insurance. This becomes more important in the case of sports cars because they are more often the target of such attacks. Also, it is more expensive to repair sports cars or replace parts. The insurance company will levy higher rates on owners of sports cars to cover themselves against excessive expenditure in case of claims.
There are circumstances under which your car insurance rates will be lower. If your sports car has safety-enhancing features like car alarms, steering wheel locks and detachable music systems, you may be eligible for discounted rates.
Before accepting a quote from an insurance agent, shop around with other insurers to find out if this is really the lowest rate you can get. Doing this over the Internet is simple and quick. Some insurance portals and agents even represent multiple companies, and will be able to guide you towards good deals.
When comparing quotes from competing agencies, be sure to check if the proposals are similar, if not identical. Excluding some features may allow one insurer to quote you a lower price, but the protection you will enjoy from that contract is also lesser. That's why it would be a mistake to judge a deal just by the lowest price.
Finally, before signing on the dotted line, research the insurance company. Some won't honor claims. Others will try and exclude many elements, and pay out only the bare minimum. Go by feedback and reviews left by other customers. See if there is a record of complaints or even court rulings against the company. A good insurance company will leave you with peace of mind while getting cheap car insurance for sports cars.
How to get the best deal on a new car?
Once you have arranged your financing, know what incentives you might be eligible, and know what type of car you want, it is time to start shopping! In many cities, car dealerships are often clustered in the same area of town. Set aside a whole day to visit several dealerships and drive several cars.
Be prepared for the process when you drive on to a dealership lot. At most dealerships, the sales staff works primarily on commission, so they are eager to talk to you as soon as you arrive. If you want to browse on your own, then tell them so. Politely say, "I am browsing now, and I will come in to talk with you if I have questions or would like to test drive a car."
Never buy the first car you drive or from the first dealership you visit. A new car is a huge investment, and you want to be sure you are buying the best car for you and the best price. Even if you have settled on a particular make and model, drive several cars from at least 2-3 dealerships. Every car will drive slightly differently, and you might like the handling and comfort of one particular car best.
Future Cars - The Most Anticipated Upcoming Car Models
The all-new S-class is close to being revealed and Mercedes have already announced their intentions to consider having the new S replace the now defunct Maybach brand as well as the CL-class. While BMW showcased this concept a few years ago, the Gran Coupe finally got the nod only recently. While Mercedes and Audi have grabbed their shares of the 4-door Coupe market with their CLS-class and A7 models respectively, BMW had a brief stint with the 5-series GT, but then turned around and began to work on other things like improving the flavor in their coffee and the new 1 and 3-series. So then, the 6-series Gran Coupe; without a doubt, it's brilliant whichever way you look at it. Looks, power, performance, equipment and comfort, it's got them all! The new F12 6-series was a good departure from the old one, but while it looks much different from the old car, it doesn't look too different from the rest of the range. Well, that's what most people say. But to the true connoisseurs, the Gran Coupe is art. Using a stretched 6-series as a base and adding two more doors at the rear may not seem like much, but BMW have pulled it off unbelievably well. The powertrains too are nothing short of astounding, with a more powerful 40i 3.0L straight-six variant and a 450 hp version of the 4.4L turbocharged V8 50i on the cards, there is no shortages of the finest thoroughbreds here. The 40d straight six diesel will also be a part of the lineup, bringing with it all 465 lb-ft of torque. And the list goes on, with the M versions of both, the petrol and diesel, expected as well.
Become a car dealer. Authorized car dealers are invited to auctions and liquidation sales not open to the public. Look for great deals at seized car auctions, car salvage lots and auctions hosted by cities or towing companies. Law enforcement agencies auction off surplus, unclaimed and confiscated vehicles while banks and other lending institutions look to get their money back on repossessed cars from deadbeat customers. No special license is required to participate in these auctions and you might even get a special treat in one of the confiscated cars. Look for announcements in newspapers, sign up for online auction directories or talk to banks or government officials directly to find auctions in your area.
Use the newspaper and online classified ads to find vehicles to sell for profit. Online use car sales are an emerging tool for savvy salespeople looking to pick up cheap autos and sell them for a profit. Keep your eyes peeled for cars sitting in front yards bearing a For Sale sign. While you are talking to the owner, ask if you can help her find a vehicle to replace the one you are buying.
Look for hail-damaged cars. These vehicles typically suffered only cosmetic damage and are in perfect running order. They ain't pretty but they move quick. Contact local car rental lots. When customers return abused vehicles, car rental companies do not invest time or money in repairing these cars; they typically leave the car sitting in whatever city it ended up. National car rental companies often hold regular auctions at local lots. Contact these companies frequently to find out about upcoming auctions, both in your area and in other locations. Improve your odds of getting a good deal by asking your local car rental lot manager if you can directly purchase cars pulled from the fleets rather than fighting with the masses on auction day.
-Car dealers: Find reviews of car dealers in your area, or ask around for customer reviews. Were they satisfied with the price, professionalism during the transaction, and warranty service? Drop by a dealership or two to get a close-up look at cars and get a feel for their marketing strategy. Are they high pressure or no haggle?
-Car loans: A dealer might give you a good deal on a car loan with a low interest rate, but ask about the specifics. Ask your bank for a quote, and other banks as well. The best deal is the lowest interest rate you can find for the shortest loan period, and not one that will shoot up after a few months.
-Auto insurance: Ask your insurance agent for estimates on premiums for the car models you are interested in. Some cars draw higher premiums because of theft or the tendency of car owners to drive sporty, uber-horsepowered cars aggressively.
The Honda Civic is an obvious contender in the small car market for many reasons. It is widely popular for its reputation of having incredible gas mileage, which ranges from 21-40 miles per gallon in the city and 29-43 miles per gallon on the highway depending on which engine you choose. It's also an inexpensive choice, with the base model coupe and sedan starting at a bit over $15,000. The low price doesn't mean Honda has skimped on style. Design enthusiasts rejoice, because this body style is the sleekest yet. From its space-age interior, to its more aggressive-looking front end and muscular shape, this Civic is beyond easy on the eyes. Hondas lineup of Civics also accommodates for many different kinds of drivers. If for some reason the regular gas-powered Civics don't suit your fancy, there iss always the fuel-saving Civic Hybrid and the innovative Civic Natural Gas Vehicle. For the more spirited driver, the Civic Si would be a perfect choice with its amped-up 197 horsepower 2.0 liter engine and sporty appeal. To top it all off, it has the Honda badge, which means a more reliable ride with a higher resale value than the majority of its competitors.
The designation of a car as Category D can lower the value of your car for arbitrary reasons. This category also denies consumers an opportunity to own a better and safer car. For these reasons, the Category D designation should be revisited.
Take two like vehicles with about the same body damage. In one instance, the insurance company decides the damage is too extensive to economically repair. The car is slapped with a Cat D tag and hauled to the scrapyard.
If a body banger buys this vehicle to repair, he starts out at a financial disadvantage. He repairs the vehicle, but it goes back on the road with a Category D scarlet letter tied on the bonnet. Consumers are reluctant to buy these cars, thus, these vehicles take a hit in their resale value.
In the second instance, the insurance company decides to pay the repair bill and place the car back on the road. A buyer would never know that the car had been in an accident and repaired. No record of an accident has been noted in an official register. It can be resold at book value.
It doesn't matter that both vehicles are well repaired and mechanically sound. One can be sold for full book price, while the other car would have a lower resale value.