acura
New York – Tips for Saving On Car Insurance
October 15, 2011 | 
Author 
If you are looking for car insurance in New York there are many factors that come into play in deterring your annual premiums. City dwellers will certainly pay more for to insure their vehicles than suburbanites. But you don’t have to just sit down and take it. There are things you can do to save money on your car insurance in New York.
Raising your deductibles can mean an annual savings of up to 10% a year. Increasing your deductible from $250 to $500 might result in a substantial rate decrease. But make sure you know where to spend the money and where to save it. If you raise your premium to a higher amount now to save a little, you may have to spend more in the long run.
Make sure you have the mandatory coverage required by the state of New York but then select additional coverage according to your needs. Unnecessary insurance will cost you more in yearly premiums and is a waste if it is something that is really not relevant at this time. Over insuring your vehicle may seem like a good idea at the time but may not be necessary.
Look for a company that encourages you to combine your car insurance with your life insurance, renter’s insurance or homeowners insurance. Not only is it easier to keep track of, it will possibly save you money on all of the policies that you link together.
With the internet at your fingertips, shopping around is easier than ever. New York car insurance is not a one policy fits all. You will be surprised at the range of price differences between several companies. It is so common, some insurance companies are even willing to do cost comparisons for you to show you who really does have the best rates.
If you already have a good credit score, good for you. If not, make it a priority to get your score raised within the next six months to a year. Also, check your credit report regularly to make sure that there are no errors that could be costing you extra in your premiums. As soon as your score improves, make sure that you notify your company before your next premiums are calculated.
If at all possible, try to not use your car for business. Many insurance companies rate higher premiums when you are on work-related excursions. If this is not a possibility, try to join a carpool to reduce your driving time.
The more you protect your vehicle the lower your insurance premiums will be. Keeping your car in the garage as opposed to out on the street will definitely affect your rates. And the addition of car alarms, anti theft devices and tracking systems such as the LoJack will cut down potential theft and vandalism claims.
These may seem like simple little ways to save money but when you put them all together you could realize some substantial savings on your car insurance in New York.
Saving Money on Auto Insurance
Posted in acura | 
Tags: insurance companies, insurance in new york, make sure, make sure that, your car insurance | 
No Comments »
First drive: BMW 1-Series M Coupe
Dismiss the 1-Series M Coupe as a limited-build range topper and you’d be wrong, as it is both a brand builder and the first car to show a new direction for BMW’s motorsport-derived division.
In fact, it’s almost as though BMW is going into auto-reverse, as the 1-Series M Coupe is closest in size and concept to the iconic 235bhp 80s E30 M3.
So with just 450 of these f40,020 Coupes coming to the UK and two thirds of those already sold, should you charge down to your BMW and shell out your hard earned? I headed to Scotland to find out.
From the outside, the answer has got to be yes. The 1-Series Coupe is a quirky car to begin with, but the M makeover has given this car just the right amount of aggression.
The bulging wheel arches, chunky front and rear air dams and the 19-inch CSL-style alloy wheels are far from subtle, but I think it looks every bit the junior M3. Especially when finished in the special tangerine colour.
Don’t like the tangerine? No problem, as it’s available in any colour you like, as long as it’s black or white.
Inside, it’s more similar to a standard 1-Series coupe, with just the right amount of unique features to make it feel special. Highlights include the comfortable and supportive sports seats; chunky leather-trimmed steering wheel, the 180mph speedo, the dark headlining and plenty of Alcantara all livened up with orange stitching.
Sadly it’s not all good news inside. Space in the back is compromised and although I like the dashboard design, the way the screen for the optional f2,000 professional sat-nav system is integrated is ugly.
So is the 1-Series M Coupe all show and no go? With a shortened M3 chassis and suspension also derived from this car, the answer is a definite no.
Powered by a tweaked, 335bhp version of the 135i’s 3.0-litre six-cylinder, twin-turbo engine. The highlight is the seemingly endless stream of torque, whatever the gear. The dash to 62mph is covered in just 4.9 seconds and can go on to a highly illegal, limited 155mph top speed.
The sweetest spot has to be the real kick between 2,000 and 4,000rpm and it will happily rev right through to 7,000rpm. It sounds great too, with the classic six-cylinder soundtrack accompanied by a small amount of turbo hiss.
Press the M button on the steering wheel and the 1-Series M Coupe’s character becomes much harder, as the acceleration is even sharper.
I’m also a big fan of the fact that BMW motorsport seems to be bucking the current trend of fitting sequential manual transmissions, as just a slick six-speed manual gearbox is available. Even if the clutch is on the weighty side.
What about the ride and handling? Well, the ride on the 19-inch alloys is firm and on some of the Scottish roads it did feel a bit jittery but it’s never uncomfortable. In corners it’s always obvious that all that big power is going through the rear wheels, but it is roll free and never feels scary. In fact, provoke it, by example putting the power down too early, then the traction control light will blink.
Finally, the steering is well weighted and has plenty of feel, but I wonder whether the leather-trimmed steering wheel rim is too thick?
So would I buy one? Yes, as whilst it might not be cheap, it feels special and has a wonderfully simple, old-school feel that harks back to great hot M cars of the past. BMW, want to swap an immaculate MINI Cooper S GP?
Check out the video below of the BMW 1-Series M Coupe in action.
Source:
Posted in acura | Tags: just the right, just the right amount, leather trimmed, leather trimmed steering, series m coupe, steering wheel | No Comments »
Arizona Auto Insurance Discounts
Auto insurance can be an expensive purchase today, but discounts are an excellent way to save a few bucks every month. Many people don’t benefit from all the discounts they could because they don’t know where to look. This article will cover some of the best places to find auto insurance discounts in Arizona. You can reap the benefits whether you are renegotiating your current policy or shopping for a new company.
Multiple Auto Discount This is one of the most common discounts available for auto insurance. Many companies will insure two cars almost as cheaply as a single vehicle. You can also save by getting your auto insurance with the same company as your homeowner’s insurance. Always ask about the savings involved with insuring more than one car at the same time.
Purchase in Bulk Some people think it is better to get a new insurance policy every six months so they can continue to shop around for the cheaper rate. However, most insurance companies offer a discount on their annual policies that make them a better deal than a six-month contract. It is also better to pay for an entire six months at a time, rather than paying monthly or quarterly. Some insurance companies charge an extra fee when they allow their customers to make smaller payments, and the fees can add up over the course of a year.
Look for Extra Features Cars with anti-theft devices or special safety features often qualify for discounts on auto insurance. When shopping around for a new car, research the features that will get you better insurance rates. You may find that you enjoy peace of mind with a safer vehicle and lower insurance premiums at the same time.
Consider your Record Drivers with clean records and excellent credit history usually qualify for cheaper insurance rates. Some companies will also offer discounts to drivers who take defensive driving courses or students who maintain a good grade point average. You can also get lower insurance rates if your average mileage per year is under a particular amount. Make sure you inquire about all of these factors when shopping for insurance in Arizona to make sure you get the best rate possible.
Lower Deductibles In some cases, state law may not allow you to lower coverage by too much. For example, Arizona requires drivers to maintain a minimum liability of $15,000 for bodily injury and $10,000 for property damage. However, other parts of the policy, like collision and comprehensive coverage are not required by the state of Arizona and are completely negotiable. You can lower costs on these components of your coverage significantly, particularly if you have an older vehicle.
There are many ways to save on car insurance today, as long as you know what to ask and where to look. Check out these potential savings the next time you are in the market for auto insurance.
Posted in acura | Tags: auto insurance, companies will, insurance companies, insurance rates, lower insurance, make sure | No Comments »