Automotive Insurance Assurance

To protect yourself from loss in the event of an accident you must purchase insurance. In the automotive realm this is an easy thing to do but there are a lot of options that you need to consider first so that you can get the most for your money.

You are bombarded everyday with advertisements from insurance companies on television, radio, magazines, and newspapers, not to mention the unasked for envelopes in your mailbox from insurance companies who know nothing about you offering to save you up to $497 dollars per year on your auto insurance.

Let’s look at some interesting insurance history first. In an ancient treasure called the Code of Hammurabi we find that in Babylon around 1780 B.C. that if a merchant ships cargo was lost, traders were protected from financial responsibility in exchange for 20 percent of the cargo’s value.

The first car insurance policy was written in England around 1895. The first car insurance policy in the United States was written in 1898. In the year 1927, Massachusetts became the first state to require mandatory automobile insurance. All fifty states now require automobile insurance but it is up to each state to determine the minimum amounts of required coverage.

Coverage- Certain coverage may be costing you more money than you need to pay. An example would be carrying physical damage coverage on a vehicle with a low value. Another example would be having double coverage when a health insurance policy is in force. Find a knowledgeable insurance agent to guide you in making these decisions. Always get more than one quote. Get a second and maybe even a third estimate.

The vehicle that you drive is generally the second most expensive investment that you have purchased and it should be protected by an insurance policy just as you have protected your home against damage. Did you know that it is a good idea to get an insurance quote prior to purchasing a vehicle as some fall into a higher risk category.
Adding additional vehicles on the same policy can help to reduce your rates with a multi car discount. The amount of miles that you put on a vehicle in a year has a direct impact on how much your insurance premium will be. MileMeter Insurance Company, based in Dallas Texas, sells insurance per mile and has over 100 pending patent claims.

There are some insurance discounts available to good drivers that year after year do not turn in any claims. These discounts are issued as a result of having a good driving record with a certain minimum amount of driving experience. A good student discount can help younger drivers with a discounted premium. Some things that cannot be controlled, such as age and sex, can impact prices also. Discounts for seniors can be attained by taking and graduating defensive driving classes.

Vauxhall Corsa – Room For an Underdog?

Underdogs. What is it about them we like so much? By sheer definition an underdog is inferior to its rival and therefore shouldn’t have any fans. Yet charm counts for a lot and so in any walk of life the second favourite is always the people or neutrals’ favourite. A lower division football team playing Manchester United in the FA Cup will always have large support, despite the bookies offering no odds for a United win. Remember Eddie the Eagle? The British ski-jumper who was rubbish, yet he’s a national treasure for going to the Olympics and having a go. The Vauxhall Corsa is in a similar boat. By no means rubbish, it has always found itself in an overcrowded small car market where the Ford Fiesta has reigned supreme.

The Corsa however is still a very successful car and I put this down to two key factors: it’s very good and appears in everyone’s holiday memories. Go to any car hire place on holiday and under the small car category I’d be willing to bet my house that nine times out of ten you’ll take receipt of a Vauxhall Corsa. The reason for this is quite simple – people that hire things treat them like something they’ve stepped in.

I’ve lost count of the amount of times I’ve rented a DVD only for it to stop halfway through the movie. The reason is always a massive scratch right across the good bit of the film, where someone appears to have been playing air hockey with the disc. Car hire is no different, with holidaymakers racing from seaside town to seaside town with no regard for their vehicle’s wellbeing. This then is why the Vauxhall Corsa gets the nod for being abused – it can take the punishment.

I’ve fond memories of my time on holiday driving the last generation Corsa in 2007 and whilst I treated it like royalty compared to the bloke before me, who seemed to take a cliff and slam it into the side of the car, I certainly wasn’t a Sunday driver either. Once I’d overcome the whole driving on the wrong side of the road routine, I found the Corsa a joy to drive through the twisting mountain roads of Ibiza. It had great air-conditioning too and was super economical despite racking up hundreds of miles. I however am aware that it was so bland to look at you could park it in the middle of Manchester United’s cup tie and no-one would notice.

Great news with the new model then because it looks fantastic. The car is all triangles and other-angles and manages to balance sophisticated styling for the gents with that cute and fun factor for the ladies. The front headlights rake up to the sides, the mirrors follow the triangle theme and the bulge above the rear wheels gives it an aggressive, sporty stance. Unlike some of its rivals it hasn’t plumped solely for style or solely for driver experience but has aimed for the middle ground between the two. What you get as a result is a car that on paper isn’t the best at anything but overall could very well be number one.

The handling is well-mannered and the Corsa feels composed at all times. Once you’re out on the windy roads however, you can really start to have fun. The engine options for the standard car may not give it too much get up and go, but the great handling means you can carry much of your speed through the corners without getting on and off the brake pedal.

Your best options on the engine front are either the 1.4 litre petrol which develops 90bhp and returns 47.9mpg, or the 74bhp 1.3 litre diesel unit which although initially noisy, is refined once heated up. This returns a whopping 61.4mpg combined although you may find the 0-60mph dash of 13.6 seconds too sluggish.

When it comes to build quality, even holidaymakers will have trouble damaging the new car, with both exterior and interior well put together and using better quality materials. The piano black dashboard is very striking and all the dials and instruments fall easily to hand. Rear leg room isn’t great for adults as the back seats cannot be moved back and forth however the boot space more than makes up for this.

Despite all these improvements and to my mind the new Vauxhall Corsa being that special breed of car that can do everything well, it’ll still be seen as the underdog compared to the Fiesta. However don’t let this sway your judgement because the Corsa really is the champion is disguise.

Rolls Royce Phantom – A Quintessential Automotive Experience

The Rolls Royce Phantom is a sophisticated blend of class, style and speed. The laud heaped on this bastion of excellence has rendered all superlatives cliché and reserves of praise depleted. Nevertheless, upon further enquiry into consumer opinion, there appears to be a perennial dichotomy that stigmatises objects of this nature; i.e. have Rolls Royce gone for style over substance. The Rolls Royce Phantom is an exclusive category of prestige vehicle of its own, so a conservative approach to safety and a concerted effort on comfort would be assumed, right?

Well, let’s answer the question posited. Although its comprehensive array of front-impact, side-impact and over-head airbags would be considered more than adequate, in the event some miscreant driver tries to damage your work of art; the knee airbags will also protect the lower extremities from serious injury. To avert this state of affairs in the first place, the innate stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle. If someone or something comes to close for comfort or you understandably fail to realise you are driving faster than you are aware, the car process’s state of the art anti-lock brakes. The built in parking aids will ensure you do not scuff this entity of automotive ingenuity. Finally, the Rolls Royce Phantom is a treasure, and like all treasure, it needs protecting. The Phantom is equipped with a means of detecting unwanted vehicle intrusion. The Phantom is equipped with an ignition disable device. If the original manufacturer key is not used, the engine will be prevented from starting. If there is still trepidation over handling this three-ton behemoth of precious metal, Mayfair Executive Hire employ their own fully trained chauffeurs to cart you around, with safety commensurate with its elegance and phenomenal speed.

To hire your very own Rolls Royce Phantom,contact Mayfair Executive Hire to bask in this quintessential automotive experience. The Rolls Royce Phantom Is a popular choice for arriving in style and elegance at weddings, proms, corporate and social events and it provides a highly luxurious experience so that you can also travel in comfort and tranquilness. The Rolls Royce phantom offers 0- 60 mph in 5.7 seconds, bi-xenon adaptive headlights and engine size 6.7 V12, With these specifications you can’t go wrong.