Autos and motos: all news and articles

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1. Low mileage discounts really help. You can opt for one if you use a lot of public transportation, work at home or simply drive less than 10,000 miles annually. Carpools also give you the possibility to discuss low mileage discounts with your insurance carrier.

2. Raise the deductibles to be paid. Increasing your deductible two times will result in an average 10% decrease in your annual rates, depending on your insurance carrier. Also, if you have an old vehicle, you might want to go without comprehensive and collision coverage in general, because it may be just unreasonably costly. But in that case be prepared to pay for the repair out of your pocket.

3. Hybrids help you save money. Some insurance carriers offer up to 10% discounts for driving a hybrid vehicle. Still, if you don’t feel like owning one of such cars yet, you may go with a safe profile car instead. Insurance companies issue report containing the safety rating of car makes and models, so it’s a good idea to think about.

4. Do not pay for coverage you don’t use. Dropping coverage types such as Roadside Assistance, Towing and Rental Car coverage will give you another possibility to save money. Especially, considering the fact that some insurance companies actually provide roadside assistance to their customers as part of the policy.

5. Check your credit report on a regular basis. Your credit rating is one of the elements that strongly influence the final premium you will pay. Keeping your credit record clean of bad debts and outdated payments will earn you a higher credit rating and will help you get a lower insurance premium.

6. Don’t lapse your insurance policy. Missing your annual policy payment is likely to cause its cancellation, and it will be much harder and more costly to get a new policy even with another provider as this will be noted in your report. In case you don’t have the money to pay your premium in full, ask your agent if a partial installment will prevent you from losing the policy.

7. Good students can opt for discounts. The majority of auto insurance carriers offer 10-15% discounts to college and high school students with an average mark of B and beyond. Also, if a student is enrolled in a college that is more than 100 miles away from his or her residence, the student is also eligible for a special discount.

8. Keep your driving record clean. Having no serious violations or accidents on your driving record is a good way to keep your rates lower. However, a single speeding ticket can result in up to 25% increase of your rates, so make sure to drive safely.

9. Install anti-theft and safety devices into your vehicle. Having airbags, anti-lock brakes and special security devices that protect your car from being stolen or vandalized can lead to significant discounts. Discuss all the options with your insurance agent or broker before installing such gadgets.

10. Shop around. Don’t go with the first policy you are offered, and think about changing your carrier if your current policy doesn’t meet your needs and is too pricey. There are a lot of sites out there that let you compare auto insurance quotes from different companies online, so take your time and choose the best policy you can get before actually taking it.
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ENGINE: We have listed all the engine parameters and performance figures that are relevant while selecting a car. Engine capacity and number of Cylinder is listed along with power and roads as well as on the highway to arrive at an overall fuel economy rating, which you will find herewith. We are also the first magazine in India to list the CO2 Emission figures, especially for the eco conscious.

FEATURES: are essential to make your choice and hence it’s comprehensive as it can get. We have not included features that are mostly useless or are available in very few cars. Apart from the normal features like aircon, power steering, power windows, stereo and fog laps, We have also listed helpful ones like climate control, through which you can set the exact temperature, defogger, which helps you get rid of mist on car’s rear wind torque figures how by just knowing them, your buying decision isn’t complete. Hence you will find

Other factor like acceleration top speed braking and fuel efficiency, along with the CO2 emission, all of which have been tested by our experts for your benefit. All these tests are carried in the real life environment and broadly represent the figures that you will normally get. The first these figures judge the fun factor of a car like how can you fast sprint to 100kmhr or the top speeds which the car can attain. We also put the cars test on city shield, steering adjustment (Y=fully adjustable, H=height adjustment, N=not adjustable) and many more.

SAFTY: cannot be ignored anymore, more so thanks to the fast cars arriving on our shores and better roads to drive them on. So a quick glimpse through the pages will inform you whether your choice of variant comes with ABS, airbags and traction control or not.

It may seem like a strange comparison, but actually it’s true. Ask yourself a few simple questions.

How do I avoid disaster in the kitchen? My guess is you follow a recipe.

What happens if you leave something out? My guess is disaster.

What happens if you use all the ingredients but in a different order? Chances are you may get away with it, but it won’t taste quite right.

How does this compare to driving? I hear you ask. Well, driving does have its own special recipe. If you follow it to the letter, you can avoid disaster. If you miss something out you run the great risk of an accident and if you follow it, but in a mixed up way, well, at best you could get away with it but still at the risk of an accident.

The driving recipe is as simple as six letters, MIRRORS, SIGNAL, POSITION, SPEED, GEAR, ACCELERATE.

So how is this implemented?

As you approach a hazard (the earlier you see it the better), Then check

MIRRORS, what is happening behind? Is the driver behind too close? Are he /she about to overtake? Take the appropriate action e.g. if they are following too close, show your brake lights early, so they know you are slowing down.

SIGNAL – Tell them what you are going to do. Indicator for turning or pulling up, brake lights for slowing or stopping etc. Timing is important, too early can confuse, and too late leaves less reaction time.

POSITION – Take up the appropriate position early, i.e. Left for left, right for right, but be guided by signs, road markings or even local knowledge.

SPEED – Adjust your speed to fit in with the traffic situation e.g. at a roundabout plan to stop, but look for a gap to go, so slow down enough that you can drive into a space, but you can also stop easily if the traffic is heavy. Joining a motorway, you may even have to speed up to blend in easily.

GEAR – When you have lost all unwanted speed, select the gear for your speed. This will also be the gear that will let you deal with the hazard. You should be aiming for one gear change per hazard.

ACCELERATE – Once you safely negotiate the hazard, and then accelerate away, leaving the danger behind.

Ideally, if you get this right, you should be in the correct road position at the correct speed and in the correct gear. This can be quite difficult to achieve all the time, but if you get all of these right, then there really is not a lot that you can do wrong. It does take practise, but talk yourself through each stage in turn. You may not have to do everything, but at the very least, everything has to be considered.

The driving recipe simplified is: – M S P S G A

Give it a try and after a little practise things should seem easier. You will be safer and you might even enjoy driving more than ever.

Safe driving in 2010.