Detroit inquired about the vans after becoming aware of Honda-modified vehicles used in Japan.

American Honda delivered 10 Odyssey minivans to the city of Detroit today, each one modified to enable the safe transport of potential COVID-19 patients to medical locations for testing and/or treatment. Engineers in Raymond, Ohio, modified the ventilation systems in the Honda Odysseys to maintain an air-pressure differential between the front and rear seats, as well as installed plastic barriers behind the front seats with an aim to better protect drivers and health-care workers from becoming infected with the novel coronavirus.

Honda engineers in Japan in April designed the system for domestic-market minivans to be used to transport coronavirus patients in the Tokyo area. News of the JDM Honda minivans led city of Detroit officials to contact the automaker about the potential for such a system in the U.S. As of Monday, Michigan counted 43,950 confirmed coronavirus cases, the majority in the Metro Detroit area, making it a hot spot for the disease in the United States.

The engineers at Honda Research & Development in Ohio brought the Odyssey minivan modifications from initial concept to completion in less than two weeks, the automaker says. The North American market Honda Odyssey is a larger minivan than the JDM minivan used in Tokyo.

Honda joins other automakers in assisting during the pandemic, which has seen global vehicle production largely halted for several weeks. Ford, for example, is using some of its facilities to produce medical ventilators, masks, face shields, medical gowns, and other equipment, as has General Motors.

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Our roads are pretty empty right now without the daily errands, school runs, and commutes we’re all so used to. In some of the U.S. ‘s most traffic-clogged cities, the lack of snarls is practically unprecedented.

For example, according to the New York Times, average rush-hour speeds on the Brooklyn-Queens Expressway have increased a staggering 288 percent since stay-at-home orders were put into effect there. The Los Angeles Times reports drivers of the infamously awful 405 are averaging more than 70 mph when just a few weeks ago they would have been traveling at perhaps 40 mph.

Empty roads are great. They make commuting less onerous and allow you to enjoy your car. What’s not great the righteous few who use them as an excuse to quench their need for speed while everyone else is being responsible and staying home (or still driving the speed limit if they must be on the road). Case in point: Another report from the Los Angeles Times states traffic citations for speeds in excess of 100 mph are up 87 percent.

It’s not just in California. It’s happening all over the country. Ohio has reported the same phenomenon and so has Georgia. Then there are the goons who set a new cross-country “Cannonball” record racing from Los Angeles to New York.

This needs to stop.

Driving your (suddenly clear) favorite roads at life-endangering speeds isn’t just reckless, it’s stupid. Getting 15 minutes of fame from a sick YouTube video isn’t worth endangering countless other people. In fact, nothing is.

Less than a week ago, two men were killed in Oakland after driving at 100 mph and crashing into the back of a big rig. They also weren’t wearing seatbelts, which is not only seriously dangerous but illegal in California and 48 other states. Their friends and relatives are left behind to pick up the pieces all because two guys placed selfishness over smarts at 2 a.m.

Now let’s say these two guys were lucky enough to have survived that wreck. These men would no doubt be in serious condition and in need of immediate medical attention and trauma care, which puts additional—and unnecessary—strain on a hospital system already terribly overstressed and understaffed during a global health crisis. It’s all entirely avoidable.

If you want to drive fast, go to your local drag strip or take your car to a track; if they’re closed for now, wait until they’re open. Put your vehicle and your skills to the test in a closed, safe environment to see if you’re really as fast as you think you are. Odds are, you probably have some work to do. We can’t all be Randy Pobst.

If you’re reading MotorTrend, you probably love driving as much as we do. We’re fortunate enough to test some of the quickest cars to ever hit the road. But we test our cars on a track and we use closed roads to film. Those fancy burnouts and drifting shots you see in our magazine and on our website, as well as on the numerous shows on the MotorTrend App, weren’t done while putting anyone in danger who hadn’t specifically assumed the risk.

This isn’t to say we at MotorTrend are perfect drivers. We’ve been caught for exceeding the speed limit in the past, and have paid the fines for doing so. But we also realize that the street is not a racetrack. We know and respect that a love of speed is far less important than the safety of others on the road.

So do everyone a favor and cut out the ridiculous speeding. Pay attention to the road (including putting down your phone), obey all traffic laws, and wear your seatbelt. It might save your life—and someone else’s, too.

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Many websites offer auto insurance information. You can actually get lost in a sea of them if you are not careful. Sorting through it all to find information that is relevant to you may not be fun, or fast. Luckily, you will find everything you need to know right here. Read on for more.

To make sure you are getting the best deal on your car insurance, get quotes from at least three different insurers. You can choose to deal with individual insurance companies or you can go to an insurance broker, who can represent several companies and get you quotes from each one.

You may be able to save a bundle on car insurance by taking advantage of various discounts offered by your insurance company. Lower risk drivers often receive lower rates, so if you are older, married or have a clean driving record, check with your insurer to see if they will give you a better deal.

When buying car insurance, consider what coverage you actually need against what coverage is being recommended by the agent. If your car is worth less than about five thousand dollars, collision coverage is probably costing you more than what would pay out in an accident. However, property liability coverage is vital, as it protects you against having to pay out for damage to another party’s car or other property.

Having an expensive car or car that is considered a sports car will often increase the price one pays for auto insurance. If one does not like the sound of that then they should consider getting a different type of car. It will not only save them insurance money but often money off the car itself.

It’s possible you could remove a few of the coverage items from your insurance policy. The comprehensive and collision coverages are worth reconsidering for an older car. You may benefit from adjusting these downward, or even drop them entirely. By dropping this coverage, you can significantly reduce your monthly premium. Comprehensive and liability coverage are some other things you may want to consider cutting.

Your insurance premiums are based on your demographic information. This means that certain categories of people will pay more than others. If you find your insurance too high, perhaps someone else can insure it in their name for you. This is not illegal if this is a shared vehicle.

Be a safe driver. This one might seem simple, but it is very important. Safer drivers have lower premiums. The longer you remain a safe driver, the better the deals are that you will get on your car insurance. Driving safe is also, obviously, a lot better than the alternative.

Make sure that you closely analyze exactly how much coverage you need. If you have too little than you can be in a very bad situation after an accident. Likewise, if you have too much than you will be paying more than necessary month by month. An agent can help you to understand what you need, but he may be pushing you for too much.

Check to see if your auto insurance company has a discount for not filing claims. Sometimes if you haven’t had any claims for a period of time, you may be eligible for a discount. If they aren’t upfront about the discount, ask them. Having no claims can reduce your insurance.

Know the laws in your state concerning auto insurance. In almost every state, car insurance is compulsory. You can face stiff fines and penalties for not carrying adequate car insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.

Whenever possible, avoid filing and submitting minor claims to your vehicle insurance provider. Unfortunately, increased reliance upon insurance services directly translates to significant increases in monthly rates. Consider filing claims only if you are unable to cover the cost of repairs, and if failure to have repairs creates an unsafe driving condition.

Take advantage of every possible auto insurance discount. Some insurers list all of their discount possibilities on their websites, while other insurers are not so forthcoming. You may need to telephone your agent and ask them to list all the discount options for you. Research what other companies offer so you are prepared to ask questions. Can you get a discount for going to defensive driving school? How about accident forgiveness? Do you get a good driver discount? Ask about any discounts on deductibles for good driving history, and loyalty discounts for staying with the same insurer.

Get a new car to save money on car insurance. The car you drive makes a lot of difference to an auto insurer. If your car is one that gets stolen often, look out for higher rates. If you buy a sporty coupe that goes very fast and gets lots of tickets, expect to pay much higher insurance premiums. Check out sites such as Kiplinger.com for lists of the cheapest cars for auto insurance.

If possible, pay for your auto insurance in one lump sum. When you pay your insurance premiums monthly or quarterly, insurance providers can charge you an administration fee and interest on the money that you owe. The interest rate is also likely to be much higher than the interest rate you could get on a personal loan.

Add an anti-theft device to your car, either in the form of an alarm or simply a locking steering wheel bar. Most car insurance companies offer significant discounts for cars that have anti-theft devices. The cost of replacing your car after theft is a significant part of your auto insurance premium, so reducing that risk reduces your premiums.

Sifting through a sea of information is not easy, as discussed at the beginning of this article. Now that you have read the great advice here, you can go forward with confidence about what you have learned. Refer to this auto insurance information anytime you need to refresh the concepts discussed here.

After shutdowns in China, Europe, the U.S. finally halts its car factories.

The chips are falling. As communities and whole countries go into lockdown, and people are unable to go to work and have stopped buying cars, more auto plants are closing temporarily for both health and economic reasons and that includes key facilities in the U.S.

The initial impact was felt in China, which was the first country to experience the COVID-19 coronavirus, the first to impose quarantines, the first to close plants and the first to see dramatic sales falloffs of about 80 percent for most automakers. China is now restoring production. Next came Europe, and the auto industry there is feeling the pinch. FCA, Ford, Ferrari, Daimler, Lamborghini, and others have idled European operations.

Rolls-Royce Motor Cars said today it will suspend production at its Goodwood plant for two weeks starting March 23, which will be followed by the previously planned two-week Easter shutdown for maintenance. The moves are in keeping with the U.K. government measures to slow the spread of the coronavirus. “This action has not been taken lightly, but the health and well-being of our exceptional workforce is first and foremost in our minds,” said Torsten Müller-Ötvös, CEO of Rolls-Royce, in a statement. “We are a tight-knit community at the Home of Rolls‑Royce and I have no doubt that our resilience will shine through during this extraordinary time.” He also apologized for any inconvenience to customers.

But What’s The Impact Here In The U.S.?
Now it is the U.S. ‘s turn. The United Auto Workers (UAW) union wanted General Motors, Ford, and FCA to shut down their domestic plants for two weeks. The Detroit Three and UAW formed a joint task force to increase safety and health protections for factory employees and help slow the spread of the novel coronavirus. It has been a fast-moving series of decisions. After lengthy negotiations, the automakers initially agreed to rotating partial shutdown of facilities, extensive deep cleaning between shifts, longer periods between shifts, and extensive plans to avoid member contact. “They will be working on shift rotation to minimize risk,” the UAW confirmed Tuesday night.

But by Wednesday afternoon things had escalated further. GM and Ford put out news releases saying they would temporarily suspend manufacturing in North America until at least March 30.

“We have agreed to a systematic, orderly suspension of production to aid in fighting COVID-19/coronavirus,” said GM Chairman and CEO Mary Barra. “We have been taking extraordinary precautions around the world to keep our plant environments safe and recent developments in North America make it clear this is the right thing to do now.” She said she appreciated the teamwork of the UAW “as we take this unprecedented step.” GM will take down the plants in an orderly fashion. Each facility will be told how they fit into the cadence.

Ford will take down its plants in the U.S., Canada, and Mexico, after the end of shifts on Thursday and they will remain down through March 30. Ford closed its Michigan Assembly Plant Wednesday morning after an employee tested positive for the coronavirus.

FCA later chimed in to say it will cease production at North American plants with some closing as early as today. All will be down through the end of March at which point the automaker will re-evaluate. CEO Mike Manley visited a number of plants this week to better gauge the best course of action for employees.

Honda today said it will stop making vehicles in the U.S. for six days, a loss of about 40,000 vehicles that would have been assembled from March 23 to March 31. The action affects vehicle assembly plants as well as engine and transmission plants. Affected plants are in Ohio, Indiana, Alabama, Canada and Mexico, covering a wide swath of models.

Some North American plants have already experienced hiccups with worried workers walking off the job. While most did not impact production, the FCA plant in Windsor, Ontario, stopped making minivans for 24 hours due to a work refusal. Volkswagen closed its Chattanooga plant for a day this week to give it a deep clean and to help employees find child care with many schools closing.

Is Tesla Essential?
Tesla did not stop production at its Fremont, Calif. plant even though six counties in the San Francisco area are under a shelter-at-home order. That prompted the Alameda County sheriff to declare in a tweet that Tesla is not an essential business which means it can “retain minimum basic operations” but could be forced to close some of its operations, including the plant in Fremont that makes the Model S, Model X, Model 3 and Model Y.

Tesla CEO Elon Musk sent an email to employees on Monday saying he would be at work but they do not need to come to work if ill or uncomfortable.

Availability of parts will also determine how long plants can operate. Ford was forced to stop production of the Ford Explorer, Lincoln Aviator, and police vehicles, at its Chicago Assembly Plant for about 24 hours when it could not get enough seats from a Lear plant where two workers tested positive for the virus and the parts plant was closed temporarily.

Dealers are also shutting their doors although some are keeping the service bays open, deeming them an essential service.

The Economic Hit To The Car Industry
A single week of lost auto sales in the U.S. has a huge economic ripple effect, according to Kristin Dziczek, vice president of industry, labor and economics with the Center for Automotive Research in Ann Arbor, Michigan. Sales are expected to fall off dramatically and the Center’s data shows a week of missed sales comes at the cost of about 94,400 jobs and $7.3 billion in earnings.

Most analysts expected U.S. sales to fall slightly in 2020 but now forecasts suggest it could reach double-digits if consumers don’t act on their pent-up demand and buy new cars when the world returns to more normalcy. But the crisis is not expected to be as severe as the financial downturn in 2008-2009 which resulted in bankruptcy filings by both GM and Chrysler, and left Ford teetering on the brink. All automakers made systemic changes to their operations to make them leaner and more productive to better weather future storms.

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Three people were charged in King County Superior Court in connection to two separate auto insurance fraud cases after investigations by Washington Insurance Commissioner Mike Kreidler’s Criminal Investigations Unit.

In the first case, Sawsan Al-Tamimi and Yassir Al-Mtowag each were charged with one count of filing a fraudulent insurance claim.

According to the investigation, Yassir Al-Mtowag rear-ended another car in Issaquah at 7:50 a.m. on Sept. 18, 2018. His uninsured 2014 Ford Fiesta was registered to his Lynnwood, Wash., business, Sunshine Market.

At 8:15 a.m., Al-Mtowag’s mother, Sawsan Al-Tamimi, called Progressive Insurance and added the Ford Fiesta to her policy. At noon, Al-Mtowag filed a claim with Progressive. He stated the collision happened after 9 a.m., but the driver of the other car told Progressive it occurred at 7:50 a.m. while she was driving to work.

The damage to both cars was estimated at $4,423. Progressive denied the claim and referred the case to Kreidler’s CIU.

In the second case, Moshe Kipersztok was charged with one count of filing a fraudulent insurance claim.

According to the investigation, Kipersztok’s GEICO policy was canceled for nonpayment on March 19, 2018. He reinstated coverage on his 2014 Audi Q5 effective April 5. On April 8, he filed a claim with GEICO for an estimated $6,438 in damage that he said occurred in a hit-and-run while the car was parked at a Bellevue restaurant on April 7.

GEICO ran a claim history on the Audi and found one filed with Travelers Insurance on March 23 for the same damage. Travelers denied the claim, which resulted from a collision with another vehicle, because of a dispute over which driver was at fault.

GEICO also denied Kipersztok’s claim and referred the case to Kreidler’s CIU.

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The seven-figure transaction price for Ford’s new 760-hp Mustang is going to a very good cause

The premise of paying a seven-digit sum for a Mustang might seem ridiculous to some, but in the charity auction world, that’s not an unheard-of amount of money to score the very first (or final) example of a hot car. As promised, the first production 2020 Ford Mustang Shelby GT500 crossed the auction block and has become the latest “first” to gavel for huge money. How much? The GT500 with the VIN ending in 001 was snapped up by Barrett-Jackson’s own Craig Jackson for $1.1 million.

As a refresher, the 760-hp, supercharged 2020 GT500 is the most powerful Mustang ever made, and outside of a for-a-good-cause, heated auction environment, it’s set to retail for $70,300. Our just-released test data shows the mighty Mustang sprints from 0-60 mph in 3.6 seconds and scorching the quarter-mile in 11.3 seconds at 131.6 mph. Around the figure eight, the GT500 posted a 23.5-second lap. For a little context, a Ferrari 812 Superfast did the same lap in 23.3 seconds, meaning the Ford is within spitting distance of some very elite metal.

The first-off-the-line GT500 wears a special one-off paint job that pays homage to the “Green Hornet,” a 1968 Shelby GT500 prototype. Since Jackson posted the winning bid, Ford allowed him to pick whatever color he wanted for the car, and even be on site during its assembly in Flat Rock, Michigan. The car will make its public debut at the Barrett-Jackson Scottsdale auctions January 11-19 alongside a number of other notable Mustangs from Jackson’s collection, including “Little Red,” a rare early GT500 coupe prototype that was discovered in 2018.

The money from the GT500 oo1’s sale is going to support the Juvenile Diabetes Research Foundation. Some 200,000 Americans under the age of 20 suffer from Type 1 Diabetes, the condition that the JDRF strives to fight. If you want more information on the JDRF and what they do, check out their site here. Oh, and this isn’t the first Mustang Barrett-Jackson has auctioned off for a good cause. Since 2007, the auction house has sold 20 Ford vehicles and helped raise more than $6.5 million for JDRF. If you ask us, there are few better reasons to plunk down more than a million bucks for a muscle car.

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Investigators from the California Department of Insurance, San Diego County District Attorney’s Office, and the California Highway Patrol have arrested four suspects for alleged involvement in an organized auto fraud ring reportedly costing insurers $500,000.

The arrests of the suspects were made late last week.

The auto fraud ring reportedly involved schemes with dealers purchasing damaged vehicles and then filing inflated claims, and even staging thefts

In total 10 suspects have been charged in this joint task force investigation dubbed Operation Dealer’s Choice.

Operation Dealer’s Choice was initiated after the San Diego District Attorney’s Office received a consumer call claiming the ring was purchasing vehicles at local auto auctions, and after insuring and registering them, filing fraudulent total damage or theft claims to receive unearned payouts from insurance carriers. The case was investigated by the San Diego County Organized Automobile Insurance Fraud Task Force made up of the California Department of Insurance, San Diego District Attorney’s Office and California Highway Patrol.

The investigation determined the ring purchased vehicles at auction that were already damaged, had high mileage, or both, at a significantly low dollar amount. Once the vehicle was purchased, registered and insured by a carrier, the suspects filed a total damage or total theft claim and the ring shared the profits.

Investigators discovered 35 possible fraudulent auto insurance claims were filed over a four-year period. Roughly 56 vehicles were used by the ring.

Numerous vehicles purchased by the suspects in this case had the vehicles’ odometer mileages “rolled back” in order to increase the value of the vehicle before it was damaged or reported stolen. The remaining vehicles had significant damage prior to being insured unbeknownst to the carrier, or are believed to be damaged by the group after being insured.

The ring victimized 12 insurance carriers including Nationwide, Stonewood, USAA, California Casualty, Allstate, State Farm, Liberty Mutual, Esurance, GEICO, Kemper, Wawanesa and AAA. The dollar loss estimate for this case is in excess of $500,000 at this time.

Suspects in this case reportedly used various schemes including incepting policies on a vehicle that had pre-existing damage, filing claims shortly after the policy’s date of inception, then letting the policy lapse shortly after collecting a check for their loss due to non-payment.

They also reportedly filed suspected “staged collisions” in which they would purposely damage vehicles to the point of a “total loss” to collect an insurance claim check for the damage. Suspects also “staged thefts” in which they got paid for the theft of their vehicle after they, themselves, made the vehicle disappear.

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WASHINGTON (Reuters) – U.S. consumer prices increased solidly in November, which together with labor market strength could support the Federal Reserve’s intention to keep interest rates steady indefinitely after reducing borrowing costs three times this year.

The report from the Labor Department on Wednesday also showed underlying inflation firming last month.

The U.S. central bank held rates unchanged on Wednesday amid expectations the economy will continue to grow moderately next year and unemployment remain low. The Fed again signaled a pause in the easing cycle that started in July when it cut rates for the first time since 2008.

“There are no worrisome deflation undercurrents in this economy and Fed officials do not need to cut interest rates further to boost economic demand,” said Chris Rupkey, chief economist at MUFG in New York.

The consumer price index rose 0.3% last month as households paid more for gasoline and electricity, and food prices increased for a third consecutive month. The CPI advanced 0.4% in October. In the 12 months through November, the CPI shot up 2.1% after gaining 1.8% in October.

Economists polled by Reuters had forecast the CPI climbing 0.2% in November and rising 2.0% on a year-on-year basis.

Excluding the volatile food and energy components, the CPI rose by 0.2%, matching October’s increase. The so-called core CPI was up by an unrounded 0.2298% last month compared to 0.1572% in October. The core CPI was lifted by gains in healthcare and prices of used cars and trucks, recreation and hotel and motel accommodation.

In the 12 months through November, the core CPI increased 2.3% after a similar gain in October.

The Fed tracks the core personal consumption expenditures (PCE) price index for its 2.0% inflation target, which is lagging other inflation measures. The core PCE price index rose 1.6% on a year-on-year basis in October and has undershot its target this year.

November PCE price data will be published later this month.

The wide gap between the core PCE price index and core CPI exists because housing and healthcare have different weightings in each inflation measure. Even with the CPI perking up, the outlook for inflation remains benign.

In a separate report on Tuesday, the Atlanta Fed said its sticky-price consumer price index (CPI), a weighted basket of items that change price relatively slowly, rose 2.6% on an annualized basis in November after increasing 3.3% in October. It was up 2.8% year-on-year in November.

The dollar was steady against a basket of currencies, while U.S. Treasury prices rose. Stocks on Wall Street were trading slightly higher.
RISING RENTS

November’s firmer inflation readings followed a report last Friday showing the economy added a robust 266,000 jobs in November and the unemployment rate fell back to 3.5%, its lowest level in nearly half a century. Other data on housing, trade and manufacturing have also been relatively upbeat, and suggested the economy was growing at moderate speed rather than stalling.

“The economy appears well positioned to find its footing and extend the expansion into 2020,” said Jim Baird, chief investment officer at Plante Moran Financial Advisors in Kalamazoo, Michigan.

In November, gasoline prices rose 1.1% after rebounding 3.7% in October. Prices for food as well as food consumed at home edged up 0.1%. Core goods prices were unchanged last month, despite U.S. tariffs on merchandise imported from China.

The cost of core services rose 0.3% after increasing 0.2% in October. Owners’ equivalent rent of primary residence, which is what a homeowner would pay to rent or receive from renting a home, increased 0.2% last month, matching October’s rise.

The rent index gained 0.3% after edging up 0.1% in October, which was the smallest gain since April 2011. It was lifted by a 1.1% rebound in the cost of hotel and motel accommodation after tumbling 3.8% in October.

Healthcare costs rose 0.3% in November after surging 1.0% in October, which was the most since August 2016. The cost of hospital services rose 0.3% last month and prices for doctor visits gained 0.1%. But prices for prescription medication slipped 0.1% after surging 1.8% in October.

Apparel prices nudged up 0.1% last month after declining 1.8% in October. Used motor vehicle and truck prices increased 0.6% after rising 1.3% in October. The cost of recreation goods and services increased 0.4%, boosted by rises in the prices of cable and satellite television services and sporting goods.

But new vehicle prices fell for a fifth straight month, likely because of deep discounting by automakers trying to get rid of stocks of older models. There were also decreases in the prices of airline tickets and motor vehicle insurance. The cost of household furnishing and operations was unchanged.

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Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer.

One way to save money on your auto insurance is to buy your policy over the internet. Purchasing your policy online incurs fewer costs for the insurance company and many companies will then pass on those savings to the consumer. Buying auto insurance online can save you about five to ten percent annually.

To keep your insurance claim going smoothly, you should start a notebook with details as soon as you make the claim. The first thing you will get is a claim number and everyone involved will be asking for that. Documenting every contact, conversation and promise will help you negotiate your settlement later.

There are many aspects of auto insurance which most people are completely unaware of, like the Group Automobiles scoring system. Check into this particular scoring system before you purchase a vehicle. You will find cars and trucks rated from 1 to 20. Purchasing the lower-rated automobiles on this list will allow you to save money.

Make sure you understand what coverage you are buying. A cheap beater car that you bought for a song doesn’t need comprehensive coverage. It would be cheaper to buy a new car than to have it replaced. Learning the differences between the types of coverage will make you much better prepared when reviewing quotes.

If you’re planning to, or just got married, call your insurance company for a discount. Drivers who are married tend to drive more safely, especially if they have children in the car. Insurance companies often will give you a discount once you tie the knot, due to your better driving.

You need to be sure that you are working with a reputable car insurance company. There are many smaller car insurance companies that claim to be able to give great coverage but in actuality, they cannot compete with the big insurance companies at all. You may not have the coverage that you think you have.

If you are willing to go to great lengths to save money on auto insurance, consider eliminating a car you do not use often. Any car insurance policy will be significantly cheaper for one vehicle than for two. While dropping a car is a fairly large lifestyle adjustment, the insurance savings can make the blow much softer.

If you have an accident that requires an insurance claim, be aware that the company likes everything to be documented. You can help them by using your cell phone to take pictures of any damage and the location of your accident. If you don’t have a cell phone with a camera built in, consider leaving a disposable camera in your emergency kit or glove box of your car. This will also assist you if you forget your phone, there are no witnesses, or your phone is damaged in the accident.

Car Insurance

Determine what types of coverage you need on your car insurance. Some options will not make sense for your life or situation. You may want to fork over a little extra for collision coverage if you are accident prone.

Car insurance protects you and other people in case of an accident. It is also to protect the bank that still owns your car. If the car gets totaled, your insurance company will be responsible for paying the amount due on the car, as well as what it is worth.

To get the best deals on car insurance you should be sure to understand the types of policies. This is because there are many types of coverage and they each protect you in different situations. Some of them will be more expensive but also provide higher coverage, while others will be much cheaper but not protect you as much.

When you are checking rates with different car insurance companies, make sure your information is consistent with every quote you get. This way you can be sure you are getting the best quotes possible with each company you get quotes from. Then, you can accurately choose the company with the best rates.

Know just how much your car is worth when you are applying for car insurance policies. You want to make sure you have the right kind of coverage for your vehicle. For example, if you have a new car and you did not make a 20% down payment, you want to get GAP car insurance. This will ensure that you won’t owe the bank any money, if you have an accident in the first few years of owning the vehicle.

Before you call your insurance company to change your car insurance policy, remember to check with your financier. Many auto loans come with certain insurance requirements. It is all too easy to overlook these requirements when you go bargain-hunting. If you do, an insurance claim may end up landing you in hot water with the financier holding the note on your car.

Not every part of growing old is pain: Once you reach 50, you are entitled to a discount on your car insurance. Insurance companies are well-aware that senior drivers are, statistically, the safest on the road. Almost every insurer offers discounts for drivers between the ages of 50 and 70. If you are in this bracket, make sure you get the discount due to you.

When you are hunting car insurance discounts, check with all of the clubs and organizations you belong to, not just auto-related ones. Professional organizations and major service clubs (like the AARP), often have car insurance deals to offer to their members. Taking advantage of organizational discounts can save you plenty of money.

The auto insurance industry uses a lot of confusing terms and legal sounding mumbo-jumbo. However, it isn’t really that complicated and when you understand the terminology of the insurance world, you’ll be better equipped to find the right coverage to fit you. If you are an educated customer, you can be sure that you have purchased the right insurance policy.

Many people experience great difficulty when shopping for auto insurance, but the process does not need to be as painful as you remember. Advances in customer service and technology, allow you to do your auto insurance shopping in the easiest and most efficient way. This article is meant to guide you through your auto insurance purchase with helpful tips and advice.

When purchasing auto insurance for a teenage son or daughter, be sure to compare the cost of adding your child to the policy you have currently and purchasing a separate policy. Sometimes, getting your teenager their own policy might be less expensive.

When you shop for auto insurance, make sure that you are receiving the best possible rate by asking what kinds of discounts your company offers. Auto insurance companies give discounts for things like safe driving, good grades (for students), and features in your car that enhance safety, such as antilock brakes and airbags. So next time, speak up and you could save some money.

A certain amount of liability insurance is a legal mandate for most drivers. All citizens should know how much insurance coverage is necessary in your state. If you’re uninsured and happen to be in an accident, no matter if you’re at fault or not, you will be liable for both the monetary consequences and the legal consequences for driving without insurance.

People with clean driving records, will pay the least in auto insurance premiums. Keep your record clear of tickets, moving violations, and accident reports if you want to lower your premium or keep it inexpensive. A single accident or ticket will likely increase the amount you have to pay.

If you are a young driver with a high rate, add a responsible older driver to your policy to help get it lowered. Insurance companies look at the age of the drivers, as well as, their driving records, so adding someone over the age of thirty, who has a clean record, will quickly drop your premiums.

For older vehicles, remove comprehensive and collision coverage. These options are best saved for newer vehicles, as they pay for repairs and damages caused by accidental damage and other issues. If you remove them, your premiums will be much cheaper and you will still be covered in the event of an accident.

Look up grade discounts if you are a student. Many insurance companies offer rate reductions for students who do well in school, so find out if yours does. Bring your transcript by to show off your grades, and you may be rewarded with a great discount. Good grades show the insurance company that you are responsible.

Make sure you understand what coverage you are buying. A cheap beater car that you bought for a song doesn’t need comprehensive coverage. It would be cheaper to buy a new car than to have it replaced. Learning the differences between the types of coverage will make you much better prepared when reviewing quotes.

Car Insurance

To help save money on car insurance, start with a car that is cheaper to insure. Buying a sporty car with a large V-8 engine can push your annual insurance premium to double what it would be for a smaller, less flashy car with a 4 cylinder engine that saves gas at the same time.

To make sure you are getting the best deal on your car insurance, get quotes from at least three different insurers. You can choose to deal with individual insurance companies or you can go to an insurance broker, who can represent several companies and get you quotes from each one.

If you are married, make sure that you have your spouse on the same car insurance plan. Many car insurance providers offer reductions to those who are married. This can save you a lot of money. Marriage indicates some level of stability, thus making you a more dependable driver in the insurance company’s eyes.

When purchasing car insurance, do not get unnecessary add-ons. Things like Motor Club, Travel Club, and Accidental Death Insurance are rarely used and just end up costing you more money each year. Instead, stick with things you will use, such as collision coverage, liability and property damage, and bodily injury coverage.

If you are a person who has had car insurance for years but never had an accident then an insurance company who offers vanishing deductibles may be perfect for you. If you are not getting in accidents then you should be rewarded, and this kind of program offers you a reward.

Get a new car to save money on car insurance. The car you drive makes a lot of difference to an auto insurer. If your car is one that gets stolen often, look out for higher rates. If you buy a sporty coupe that goes very fast and gets lots of tickets, expect to pay much higher insurance premiums. Check out sites such as Kiplinger.com for lists of the cheapest cars for auto insurance.

If you are just beginning to drive, make sure you are on a policy with an older, more experienced driver. Many automobile insurance companies offer a lower rate if a young driver is paired up on the same policy as an older one. If possible, this is a great tactic for reducing your family’s car insurance rate.

Drivers who have maintained a safe driving record with no accidents or traffic tickets may be eligible for a discount on their car insurance. Contact your agent and inquire if they reward drivers who consistently follow the rules of the road. You may qualify for a reduced rate or a reduction in your deductible.

As you now may be starting to understand, the auto insurance purchasing process does not need to be as painful as it once was. The important thing to remember is to explore your options. By following the tips and advice from this article, you will help to ensure that you have the best experience, while getting the best deal possible.