Determining Your Auto Insurance Price

15390879916 7d49ac1292 Determining Your Auto Insurance Price
Source: Flickr

Life is like a jigsaw puzzle.
You must know all the facts and pertinent information before making a choice. To see the entire picture, you need every piece of the puzzle in its place.

Like the way your Auto Insurance Policy Price being determined, you need some pieces of information or maybe, a common knowledge, as to what the insurance companies are looking for when determining how much your coverage will cost.

There are six major areas that determine your auto insurance policy price. The first is your driving record. A better driving record lowers the total cost of your auto insurance. Avoiding auto accidents, speeding tickets and other driving convictions can keep your clean record that will not cause your rates to be outrageous.

Do a self-check sometimes to see the impact of raising and lowering your deductibles and coverage amounts on the price of your insurance. Raising a deductible lowers your monthly payments while increasing the deductible has the opposite effect. The same goes for the actual coverage amounts.

Studies show that younger drivers are involved in more accidents than older drivers. Inexperience people behind the wheel of an automobile may potentially be involved in a collision. Generally, most insurance companies charge more for individuals under the age of 25.

Thank in large part to theft, vehicular costs and safety records because some cars rate a higher premium over other vehicles. As if it wasn’t bad enough, the amount of annual miles you place on your vehicle through driving can increase your auto policy. If you exceed to the total average of 10,00 miles in a year, except a rate increase because you also increase the potential to be involved in an auto accident.

If you live in a big city, you’ll pay more for your auto insurance policy compared to those who live in a nice farm out in the country. It’s because the city has more thefts and has higher rate of accidents, which lead to higher costs absorbed by the insurance company. It was passed along to the consumer when the insurance companies determine you auto insurance policy price.

Hopefully, this information can help you focus in some areas within your auto policy that you can review you insurance agent in the hopes of actually lowering your auto insurance rates instead of raising them. Now, did you see the whole picture of the puzzle?

Guanajuato: The Land Of Frogs

Guanajuato: The Land Of Frogs

When theme parks, beaches, scuba diving, and whale watching have lost their charm after multiple vacations to Mexico, perhaps a visit to The Land of Frogs in Central Mexico is in order.

The City of Guanajuato, which is called The Crown Jewel of Mexico’s colonial cities, was named The Land of Frogs by a group of indigenous people. By some accounts, the indigenous took one look at the terrain and said, “Nothing but frogs could live here!” Some say the indigenous found thousands of frogs in the mountainous terrain. Other accounts say it was the shape of the mountains that reminded the indigenous of frogs. Whichever account is true, Guanajuato is a place to get to know.

Guanajuato earned its place in world geography when the Spanish found the surrounding mountains rich in silver deposits. In fact, at one time more than one-third of the world’s silver riches were mined in Guanajuato. Though none of the usual summer vacation activities exist in Guanajuato, this city exudes history with every unsteady step you take through its cobblestone streets.

The state of Guanajuato is the Cradle of Mexican Independence. It was here Mexico began its quest to become Mexican. Guanajuato is the perfect spot to see where and learn how Mexico began to fight for its hard-earned independence from Spain. Although small, the city of Guanajuato has outstanding colonial architecture built with the silver revenue from times past. With modern museums, cultural events almost year-round, one of world’s oldest universities, and an almost perfect year-round temperate climate in which to enjoy this country’s Crown Jewel, Guanajuato can be the perfect alternative to the usual vacation fare.

Many first-time visitors we’ve interviewed have expressed amazement to find that Guanajuato defies their stereotypical expectation of Mexico. Many who have traveled extensively throughout Europe have told us Guanajuato could be a town from Spain or Northern Italy that was somehow magically transplanted to this side of the planet.

Depending on whom you ask, The City of Guanajuato has a population of between 100,000-120,000 people. It is nestled in a ravine with the city literally built up the sides of the bowl-like surrounding mountains. If nothing else, a trip to Guanajuato would be worth the time and expense just to marvel at how the Mexicans figured out how to build this city. To call it a marvel is a gross understatement.

Another marvel to behold is Guanajuato’s system of underground tunnels. Originally, the Guanajuato River flowed through the center of town. Numerous devastating floods occurred over the centuries, and engineers decided to divert the river away from the middle of town in the early 1900´s. After diverting the river, the riverbed was turned into a maze of underground streets–this time to divert traffic.

How To Get Here

More American tourists we meet are driving to Guanajuato. This is not as difficult as one might imagine. Go to and type “driving to Mexico”. You will find numerous articles on the logistics of driving here. The only problem you will encounter when arriving in Guanajuato is parking. Although city officials are working to solve this problem by building more parking facilities, it is a nightmare. Parking is at a premium and you will rarely find adequate and safe parking near your hotels.

The best way to arrive in Guanajuato is to fly to Leon, Guanajuato. From there, you can take a cab for about $25.00-$30.00 to Guanajuato. It is about a 45-minute ride.

A way to combat the difficulty of your Leon cabbie knowing where your lodging is located, especially if you have arranged a private apartment for your vacation stay, is to have the Leon cabdriver take you to the Guanajuato’s Holiday Inn or to the bus station. From there, it is a simple matter of switching to a Guanajuato cabdriver who will know where everything is in Guanajuato’s confusing maze of streets.


Guanajuato has a large influx of wealthy travelers to whom the hotel industry caters lavishly. You can find accommodations to boggle the mind and pocketbook.

A Quick Look On 2006 Hybrid Cars

Demand for hybrid cars has sharply grown over the past three years, as pump prices continue to surge and eating a considerable part of the household budget.

Hybrid cars may not be the complete solution to rising oil prices but they are very economical, as they rely more on electricity instead of gas for power. For 2006, business conditions have remained turbulent. The current crisis in Israel and Lebanon will likely have an adverse effect on oil markets given that they are very near the world’s top oil producers.

Other issues that will keep gas prices high include China’s demand, terrorist attacks on refineries and volatility in stock markets. Is 2006 finally the right time to jump on the bandwagon for hybrid cars? For 2006, the top Japanese car makers Honda and Toyota have released an impressive line of hybrid cars that have been updated to conform with the demands of the daily driver.

The hybrid cars for 2006 promises more power behind the steering wheel but gas consumption will be comparable to a child guzzling a bad-tasting cough syrup.

Honda 2006 Accord Hybrid

The new Accord Hybrid from Honda is 4-door sedan ideal for families with 2-3 kids. This car comes in two trims and 5-speed automatic transmission. Overdrive option is standard equipment. For those that enjoy long and leisurely rides, Honda is offering a Accord Hybrid equipped with a Navigation system.

Both trims are powered by a standard V6, 3.0-liter, 253-horsepower engine. The Accord Hybrid is capable of 25-mpg in city driving and 34-mpg in highway driving.

The Honda Accord Hybrid is well suited for the highways and boasts of excellent responsiveness and outstanding acceleration.

Initial impressions

The 2006 Honda Accord Hybrid has been criticized for its disappointing fuel economy but lauded for its outstanding performance especially in fast-driving. The car battery used in the car is relatively low in power and supposed does not effectively maximize the hybrid technology unlike rival models.

Some users have also been critical over the “rough” automatic transmission shifting between gears and poor flawed synchronization between engine and battery.

Honda 2006 Civic Hybrid

The new Honda Civic Hybrid is a 4-door sedan ideal for small families. The vehicle comes in two trims namely the the CVT AT-PZEV w/ Navigation System and the CVT AT-PZEV

A standard I4 1.3-liter 110-horsepower hybrid engine powers the 2006 Civic Hybrid car. This model has the capability to run 49-mpg in city driving and 51-mpg in highway drives.

Initial impressions

The 2006 Civic Hybrid car is a top-notch performer especially for who are looking for the perfect driving experience. The interior has been lauded for its attractive lay-out and design. Gas consumption is exceptional, as delivers near or slightly above its specifications.

However, the 2006 Civic Hybrid has been criticized more on its ambitious despite. The digital speedometer is a nice new touch but can be distracting especially during night drives. The Civic Hybrid only comes with rear drum brakes, which is disappointing considering that the Civic has been named car of the year.

The hand brake is also placed on odd location and will be discomforting for those with large thighs. The 2006 Civic Hybrid is a “driver’s car” and will perform best when used in the highways.

2006 Toyota Prius

Updated for 2006, the new Toyota Prius is a 4-door sedan, ideal for small families. This hybrid car only comes in one trim has a 4-Door Liftback.

The 2006 Toyota Prius is powered with by a standard I4, 1.5-liter, hybrid engine running 110-horsepower. In city driving, the Prius can achieve 60-mpg and 51-mpg in highway driving.

Initial impressions

The Prius features a spacious interior that can easily fit small families. Ideal for pedestrian drivers but those conscious with performance should stay away, as acceleration is slow. In addition, consumers have also been disappointed over the inability of the car to reach its advertised consumption and high price. For those tht want to save the world the Prius is great but look the other way if you want to save money.

Using GPS Tracking Save You Money

Saving money on insurance may not be something which you decide to do everyday, but if you look at the effects of saving money on insurance, you can blend that into your regular life. The truth is that saving money on insurance comes with side effects which could benefit other aspects of life.

You may recall when we analyzed certain questions. We were in order to determine if saving money on insurance was something that makes sense for you to pursue. These particular questions are ultimately lifestyle questions:

Are you paying too much for car insurance?

Do you want to spend less money on your car insurance?

Do you use a Tigtrack car tracking system?

In addition to assessing your way of living, the questions are also seeking to analyze your strengths and desires. So in the event you responded “yes” to these questions, there is an indication of everything that is important to you.

Definitely no one could ever say saving money on insurance is easy. It is indisputable you must be silly as well as sensible to even practice saving money on insurance. Just be mindful that satisfying activities require effort and dedication. If living out big successes were as easy as snapping fingers, everyone may be doing it.

In actuality, saving money on insurance requires a shift in your judgement. The silly personality that is required to pay less for car insurance could impact your whole lifestyle. In an instant, you could be exhibiting a silly personality in unrelated areas of life. This is the positive side of saving money on insurance that many people fail to notice.

parked cars Using GPS Tracking Save You Money

While you’re understanding how car insurance works, researching car tracking options or reveiwing their current policy, you can just be looking to realize general betterment. Through honing in on the lifestyle, something will become abundantly clear and you might see everything that saving money on insurance genuinely means to you. If you understand the effects of saving money on insurance, you might come to recognize that those effects are ultimately what you are trying to achieve.

One should have an sensible personality to save money on insurance too. This is another trait which impacts your way of living. The deeper you call on that trait to pay less for car insurance, the more you could see that trait within unrelated areas of life.

Whenever you look at saving money on insurance as a lifestyle instead of a goal, you may find it effortless to adopt the practices that contributes to success. The revision in your routine has a more meaningful purpose beyond accomplishing a single goal.

Those who are devoted to the overall objectives will find saving money on insurance completely gratifying. Congratulations for taking the jump toward this lifestyle!

Simple Steps On How To Get Good Auto Insurance Rates (2)

Simple Steps On How To Get Good Auto Insurance Rates

So just what is going on with auto insurance in this day and age? With everything else going on in your life, it can be nearly impossible to keep track of the latest trends and information. Here in this article, you will find some of the most important information that you have been looking for.

If you’re getting rates and premiums higher than normal, then you should go check your driving record. You might not be aware of your driving record, but insurance companies use this to calculate your risk factor. Make sure you know what’s on your driving record and that the insurance companies are using the right information.

Try to reduce the miles you drive your vehicle. Your insurance is based on how many miles you drive per year. Don’t lie on the application because your insurance company may check to see how much you drive per year. Find a way to not drive as many miles each year.

If you can afford it, try to pay your automobile insurance premium in full. By paying in full, you may be able to avoid the interest charges that may be added by paying with monthly payments. Some companies will also provide you with a discount for paying your premium in full.

If you’re planning on buying a new car, choosing one that is less desirable to thieves will lower your insurance rate. Online, you can find lists of the cars reported stolen most often and it’s likely that they are the same lists that your insurance company uses to calculate your premium. Use this information as part of your research into which car you should buy.

Do not be afraid to do some comparison shopping for the best automobile insurance policy. There are websites available that make the process of searching through the different companies quick, easy and efficient. You may be surprised by what another company can offer you in terms of cost.

Always check with the state insurance department before you sign an application for automobile insurance. You want to make sure that the company you are working with is licensed in the area that you live in. If they aren’t, you may not receive any help after an accident.

Move to a rural area. The closer you are to the city, the higher your premiums will be. Accidents, break-ins, and vandalism all increase inside city limits, so premiums have to be higher to cover the damages. The farther away from the city you go, the lower your premiums get.

Always make sure you know what’s on your driving record. Your driving record is what determines the cost of your car insurance. It is important to know what is on your record and when tickets and accidents have fallen off. Get quotes when this happens, and your insurance will be much cheaper.

In conclusion, it is definitely difficult to stay on top of all of the latest tips and tricks coming out about auto insurance. To make matters worse, information is constantly changing, which can make it nearly impossible to be an expert, unless you make it a point to keep yourself up to date. Hopefully, you found this article interesting, informative, and were able to learn a couple of new things.

Mileage per Gallon

Sports cars are built for speed, not comfort. Some prefer to drive in the fast lane watching the other cars go by which makes these people go to a dealer and buy one. There are other reasons why a person will prefer to buy one brand over the other. This can be the appearance of the vehicle, the smart engine onboard, or how fast it can accelerate in less than 10 seconds.

With the price of fuel going up, people are more conservative about buying a sports car and one of the main questions that a customer will ask the sales person is how many miles per gallon of fuel does the car consume.

For comparison, 2 cars will be chosen and the figures given will be based on the records of the Department of Energy.

One car that is very well known throughout the world and is one of the best sports cars ever made is the 2003 BMW Z4 Roadster. This car uses premium gas and gets 20 miles per gallon for city driving and 28 miles per gallon on n the highway or an average of 23 miles per gallon.

Another good brand that is known worldwide is Jaguar. Its sports car, the 2004 Jaguar XK8, gets 18 miles per gallon in city driving conditions and 26 miles per gallon on the highway for an average of 21 miles per gallon.

As the figures show, one is able to use less gas in city driving conditions while the other performs better in the highway. The figures above are not definite since the fuel economy varies and is dependent on how the person drives the sports car.

There are many other sports cars in the market that one can compare before choosing the right vehicle to drive off the dealer’s lot. The deciding factor will then depend on a person’s preference.

The sports car is truly an amazing machine that will keep the driver and passenger on the edge of there seats at all times. Though there is not that much difference between these 2 sports cars, the gasoline mileage per gallon is an important factor that people will think about before choosing to buy one sports car over another.

A Peek Into 2007 Hybrid Vehicles

Hybrid vehicles have become more popular in the past few years, as drivers are constantly trying to find ways to save on gas costs.
Pump prices have rocketed especially after the Iraq war in 2003, as the flow of oil supplies was disrupted. Ever since that year, gas remains expensive and continues to rise due to market turbulence, high demand and conflicts in the Middle East.

Is 2007 the year to jump on the bandwagon for hybrid vehicles? Consider that using hybrid technology will be more expensive compared to purchasing a standard vehicle. Some of the top vehicle makers have already released an impressive line of hybrid vehicles for 2007 that will likely make car buyers scamper to showrooms similar to bored wives going to a mall sale.

The 2007 Toyota Camry Hybrid

Updated for 2007, the Toyota Camry Hybrid is a 4-door sedan that can carry 5 passengers. This hybrid vehicle is powered by a standard I4, 2.4-liter hybrid engine boasting of 192-horspeower. This hybrid vehicle achieves 43-mpg in city driving and 37-mpg on highway drives. The Camry has automatic transmission and overdrive is standard.

Initial Impressions

The 2007 Toyota Camry Hybrid has been lauded for its impressive interior and consumption. However, many users have complained that consumption struggles to achieve as what is advertised by the company. Some even say that this vehicle only achieves 34mpg maximum.

Toyota has pulled out all the stops for this hybrid vehicle but it comes with a price, and expensive at that. Sold at an average of $29,000 in showrooms across the US. This vehicle is a nice option for those that do not want to scrimp on luxury but save on gas.

2007 Ford Escape Hybrid

A hit vehicle in 2006 that just got better for 2007. The 2007 Ford Escape is a 4-door sport-utility vehicle that can carry a maximum of five passengers. This hybrid vehicle comes in two trims, the 4WD and FWD.

This SUV hybrid is powered by a I4, 2.3-liter, 155-horsepower engine. Can achieve 36-mpg in city driving and 31-mpg in highway driving. Both trims come with transmission is variable speed automatic.

Initial impressions

A favorite among vehicle critics, the 2007 Ford Escape Hybrid for its Interior Space, Fuel Economy, GPS, and Comfort. Fuel Economy is outstanding and most consumers supposedly achieve 35 mpg, which is just below the advertised 36 mpg. However, attaining this type of performance will rely on the skills and behavior of the driver. 2007 might be the year Ford reclaims its dominance in the SUV market with the new Ford Escape.

2007 Mercury Mariner Hybrid

Looking to extend its great run in 2006, Mercury has updated the Mariner Hybrid for 2007. This vehicle only comes in one trim, the 4WD. This hybrid vehicle is powered by an I4, 2.3-liter, 133-horsepower hybrid engine. This vehicle can achieve 33-mpg in city driving and 29-mpg if cruising on the highway.

2007 Lexus GS 450h

All-new for 2007, the Lexus GS 450h is the hybrid that will propel the company in the new year. This hybrid vehicle is a 4-door luxury sedan and comes only in one trim, the Sedan.

The 450h is powered by a standard V6, 3.5-liter, V6, 339-horsepower hybrid engine. This hybrid vehicle can achieve 28-mpg in city driving and 28-mpg when cruising on the highway.

Initial impressions

The 2007 Lexus GS 450h has been lauded for having the best interiors around. Gas mileage is supposedly revolutionary and performance is comparable to the BMW M3.

New York – New Jersey – Pennsylvania – Maryland – Virginia

3443667337 72bc5bc414 New York   New Jersey   Pennsylvania   Maryland   Virginia
Source: Flickr

Driving US 1 through New York City won’t take much of
your gas, but it might take a great deal of time in
the City’s stop and go traffic.

You will only be in New York for about twenty miles;
as soon as you cross the Hudson River on the George
Washington Bridge, you are in New Jersey.

You should have spectacular views of New York City
from the George Washington Bridge as well as from Fort
Lee, New Jersey.

US 1 joins US 9 in Ft. Lee through Newark and
Elizabeth, before separating in Iselin, where US 1
goes straight south, and inland, to New Brunswick and
down to Trenton. After crossing the Pennsylvania
River, you are in Morrisville, Pennsylvania.

US 1 continues south through many miles of
Pennsylvania to Maryland, bypassing Delaware by only a
few miles. US Route 1 goes right through Baltimore and
leads right into Washington D.C., very close to the
Capital Building.

If you don’t like interstate driving, this would be a
good alternative to get into the City. As you cross
the Potomac River in Washington, you will come into
Arlington, Virginia.

Staying parallel to I-95, US Route 1 will take you
through Fredericksburg and Richmond, before splitting
off to parallel I-85 in Petersburg to the border of
North Carolina.

If you’d like to take a spectacular side trip, take
I-64 from Richmond out to Norfolk and Newport News.
Virginia Beach offers spectacular beaches and the
Chesapeake Bay Bridge can be exciting for its length
and that there is a tunnel as well as a bridge.